Podcasts about Ogar

Epp Adler on enesemeisterlikkuse coach, koolitaja ja mõtestaja. Eppu on alati paelunud küsimused nagu “kuidas elu käib?”, “kuidas saada endaga hakkama?”, “kuidas saada teistega hakkama?”, “kuidas oleks võimalik?” jne. Epp on täheldanud, et inimesed on erinevates olukordades erinevad. Vahel toredamad ja siis vastikumad. Vahel julged ja siis äkki poevad peitu. Epp ütleb, et suhtlmine on mõjutaja takistaja ja võimaldaja omavaheline dünaamika. Epp pakub oma kodukal inspiratsiooni, mõtteid, vaatenurki, juhendamist. Kirjalikult blogis ja tema listis, jutuna veebinarides, vestlus- ja mõttekaaslasena individuaalcoachingus, juhendaja ja mentorina rühmakursustel, koolitaja ja esinejana ning iseõppimise ja enesecoachingu materjalidega. Rohkem infot leiad www.eppadler.com Käesolevas episoodis räägime Eppuga sellistel teemadel nagu kuidas käib elu, kuidas saada kommunikatsioonis paremaks, kuidas oleks normaalne, kuidas parandada enda sisekõne, mis asi on minapilt ja miks see nii oluline on, enesemeisterlikkusest ja sellest, kuidas iseendaks saamine on tegelikult elutöö. Soovitatud Disney multikad: Frozen I ja II Wish The Incredibles Inside Out 1 ja 2 HEAD MÕTTED: “Ma ütleksin, et parim viis informatsiooni omistamiseks on sellega vestelda, mitte lihtsalt tarbida.” “Erinevate inimeste kogemused ühest ja samast kogemusest on igaljuhul alati erinevad tänu isiklikule tõlgendusele.” “Mõistuse lühisesse löömine on tihtipeale nagu välk, mis võimaldab.” “Me oleme koguaeg palju palju rohkem kui me arvame end olevat.” “Ühte konkreetset lugu ei ole olemas, lugu sõltub konstekstist, millele järgneb posu küsimusi.” “Enda hirmu kaitsmine täiesti tahtmatult ja alateadlikult võib tuua kaasa teiste tahtmatu hukkamõistu.” “Me kardame kaotada enda lugu.” “Maailm ei tööta sirgjoontes.” “Nulli ja saja vahel on veel 99 numbrit. Meie maailm ei ole must-valge, meie maailm ei ole digitaalne ega numbritel põhinev.” “Vahepeal tasub endale teha check-in ja küsida, miks ma seda teen sellises mahus nagu ma teen.” “Kui asjad ainult võtavad energiat, siis seal võib toimuda ammendumine.” “Ma aitan inimestel ennast näha.” “Me ei saa minaks ilma teisteta. See on pidev vastastikuline mõju, iga suhe arendab ja loob meid.” “Kiirtee elus osalemisse on esinemisega rahu tegemine aga see ei tähenda, et sa pead seda armastama. See tähendab lihtsalt seda, et sa teed sellega rahu.” “Läbipõlemine on popp aga see ei ole kohustuslik.” “See, kui sa koguaeg ei ole osale, see on märk tegelikult halvast mustrist.” “Ogar vingumine on lihtsalt kehv harjumus.” “Iga käitumisvalik üritab jõuda alati mingisuguse tulemuseni. Käitumised on hoopiski vihjed.” “Me võiksime loobuda sõnade ehedus ja autentsuse kasutamisest.” “Enamus inimesed kardavad esineda, sest nad arvavad, et nad peavad mingid gurud olema ja lähevad justkui esinemise eksamile.” “Kas me tõmbleme tõmblemise pärast või teeme siiski midagi eesmärgistatult?” JÄLGI EPP ADLERI TEGEMISI SIIT: https://www.youtube.com/@UCdbS7fEuWoluAMhEkJDyphw https://www.eppadler.com/ https://www.facebook.com/eppadler https://www.instagram.com/eppadler/ CHRIS KALA PODCASTI TOETAJAD: https://www.million.ee https://www.garden.ee https://www.ruthterras.eu https://www.ruumum.com JÄLGI MIND SIIT: https://www.youtube.com/@chriskalapodcast https://www.facebook.com/chriskkala https://www.facebook.com/chriskalapodcast https://www.instagram.com/chriskkala/ https://soundcloud.com/chris-kala-podcast/tracks https://open.spotify.com/show/6Ohs4fCrk5UsLt49PVLyRI

Všetci sme v niečom bohatí a Bohom požehnaní. Dôležitou otázkou je, ako s týmto požehnaním a bohatstvom naložíme. Budeme sa snažiť vytvoriť si rezervoár alebo ho necháme prúdiť k iným? Ogar vo svojom slove ponúka pohľad, ktorý spája štedrosť a osobné poslanie.  V rámci prednášky bolo na poskytnutie biblického základu k téme prezentované videjko (https://youtu.be/62CliEkRCso) z dielne The Bible Project. Slovenské titulky k videu si viete stiahnuť na našej stránke pri popise tohto podcastu tu: https://eben-ezer.sk/node/750 K ďalším štúdijným materiálom k téme v angličtine sa dostanete tu: https://bibleproject.com/podcast/series/generosity/.  Open Eben stretnutia sa konajú každú prvú nedeľu v mesiaci v kostole sv. Margity v Bratislave Lamači. Pre viac info, pozri eben-ezer.sk.

Znacie pewnie kawały z serii "Przychodzi baba do lekarza"... Jola miala 23 lata, kiedy trafiła na konsultacje lekarskie do dr Witolda Dudzińskiego. Do gabinetu wchodziła jako dobra siatkarka z ligowymi aspiracjami, a wyszła z niego jako... żeglarka, która w życiu nie siedziała na łódce. Tak było.Jak się to skończyło? Srebrny medal Igrzysk Olimpijskich w klasie 470 w załodze z Agnieszką Skrzypulec, do tego dwa złote medale mistrzostw świata, złoty medal mistrzostw Europy, wicemistrzostwo świata i wiele innych sukcesów, dzięki którym Jola ma trwałe miejsce w panteonie największych gwiazd polskiego żeglarstwa. W rozmowie z Jakubem Jakubowskim Jola mówi nie tylko o swojej pięknej karierze sportowej, ale też o: miłości do swojej żony i ich córeczki, odwadze, odnajdywaniu własnej tożsamości, noszeniu masek, rodzicielstwie, lojalności, przyjaźni z kimś, kogo się wcześniej skrzywdziło. Jest też wątek obiadu z Michelle Obamą i wyborów na prezesa Polskiego Związku Żeglarskiego. Partnerem odcinka jest PGE Polska Grupa Energetyczna.

In 2020, the CrossFit Games team announced that they would be introducing an adaptive division to the CrossFit Games season. Since then it has yet to catch more flak than traction centering around the implementation, available divisions and standards, and lack of in person representation at The CrossFit Games. Fast forward to 2023, the CrossFit Games have just announced the brand new format for adaptive athletes. New Director of the Adaptive Division and former CrossFit Games Champion Kevin Ogar joins the show. We talk about what went into the decision to make this change and what we can look forward to next year's CrossFit Games season. Visit https://cf.games/23_momentous and use code CF15 for 15% off your next purchase. Presented by @LiveMomentous. — The CrossFit Games are the ultimate proving grounds for the Fittest Man and Fittest Woman on Earth™ and are world-renowned as the definitive test of fitness. Join host Chase Ingraham and various guests in the CrossFit space as they break down the latest news, happenings, and information from the CrossFit Games season. Subscribe to the CrossFit Games podcast and share it with a friend. Like and drop a comment on your favorite episodes. Listen on Apple Podcasts and Spotify → Apple Podcasts → https://podcasts.apple.com/us/podcast... Spotify → https://open.spotify.com/show/6sQXfti... Google Podcasts → https://podcasts.google.com/feed/aHR0... Learn more about the CrossFit Games → https://cf.games/learn Learn more about CrossFit → https://www.crossfit.com/what-is-cros... Find a CrossFit gym near you → https://www.crossfit.com/map?utm_sour...

https://youtu.be/cIGESSm39n4https://open.lbry.com/@NaomiBrockwell:4/Malicious-extensions:1Browser extensions can be a lot more dangerous than you realize. You probably don't understand the permissions that you're granting when installing a browser extension, so in this video we look at these permissions under a microscope, and explain what each one means. We also uncover the sketchy underground extension marketplace that no one talks about -- extensions that have lots of users are purchased and repurposed to collect data and do all kinds of nefarious things.00:00 Intro00:31 Overview01:18 What is a Browser Extension?04:09 Understanding Permissions05:54 Background Service Workers07:00 Pop-Ups07:22 Content Scripts07:54 Specific Permissions16:17 Underground Extension Marketplaces18:47 Should You Use Extensions At All?21:08 ConclusionExtensions are powerful tools that can be used for good and bad. Be careful which ones you let into your digital life.Special Thanks to Matt Frisbie for sharing his expertise!https://twitter.com/mattfrizBuilding Browser Extensions Book: https://amzn.to/43mg6YHBrought to you by NBTV team members: Lee Rennie, Sam Ettaro, OGAR, Will Sandoval and Naomi BrockwellTo support NBTV, visit https://www.nbtv.media/support(tax-deductible in the US)NBTV's new eBook out now!Beginner's Introduction To Privacy - https://amzn.to/3WDSfkuBeware of scammers, I will never give you a phone number or reach out to you with investment advice. I do not give investment advice.Visit the NBTV website:https://nbtv.mediaSupport the show

https://youtu.be/PdxooS4g5tMhttps://odysee.com/@NaomiBrockwell:4/Alt-app-store:fApp stores are central to how we use our smartphones. If you're on Android you probably get all your apps from the Google Play Store, and if you're on iOS you get your apps from the Apple App store. But there's a catch: to access these app stores, you first have to sign in to an account. It links your app activity to a single identity and is a big privacy concern.In this video we give you two options for more privacy-preserving app stores that you can use instead when you download apps to your phone.00:00 Intro00:35 Overview00:48 Tying Downloads to an Account03:16 F-Droid06:14 Aurora Store08:33 ConclusionAlternative app stores, like F-Droid and Aurora Store not only allow you to enjoy phone apps without tying them to a single identity, but they also give you a greater variety of app choices, including those that are better for your privacy.To learn more about some privacy-preserving apps to make your phone less of a tracking device:https://youtu.be/rIFBN390clQhttps://youtu.be/CJyAgi4Px78If you want to take the plunge in installing GrapheneOS but want some help, book a consultation with us and we can walk you through the entire process!Visit NBTV.media/contact to get in touch.Brought to you by NBTV team members: Reuben Yap, Ogar, Lee Rennie, Sam Ettaro, Will Sandoval and Naomi BrockwellTo support NBTV, visit https://www.nbtv.media/support(tax-deductible in the US)NBTV's new eBook out now! Beginner's Introduction To Privacy - https://amzn.to/3WDSfkuBeware of scammers, I will never give you a phone number or reach out to you with investment advice. I do not give investment advice.Visit the NBTV website:https://nbtv.mediaSupport the show

https://youtu.be/m_xtR6n94rohttps://open.lbry.com/@NaomiBrockwell:4/Essential-privacy-102:6If you want to take your digital privacy to the next level, you need to look at VoIP numbers, Email Aliases, and DNS. In this presentation we look at how to reign in the digital exhaust you're leaving behind you in your daily life.00:00 Intro03:16 Overview05:39 Cell Numbers06:56 Prepaid SIM Cards12:55 VoIP23:50 Email28:07 Custom Domains34:45 Email Aliases37:16 DNS39:50 ConclusionIf the steps outlined in this video seem beyond you right now, start with something easier. Our previous presentation outlines the first 5 basic things you should start with in your privacy journey: Privacy 101: https://youtu.be/V6yu0JNNtRwIgnore those who would disempower and tell you privacy online is not possible -- It's entirely possible, and you owe it to yourself to reclaim your digital life.Brought to you by NBTV team members: Reuben Yap, Lee Rennie, Sam Ettaro, Will Sandoval, Ogar, and Naomi BrockwellTo support NBTV, visit https://www.nbtv.media/support(tax-deductible in the US)NBTV's new eBook out now!Beginner's Introduction To Privacy - https://amzn.to/3WDSfkuBeware of scammers, I will never give you a phone number or reach out to you with investment advice. I do not give investment advice.Visit the NBTV website:https://nbtv.mediaSupport the show

https://youtu.be/CJyAgi4Px78https://open.lbry.com/@NaomiBrockwell:4/Bloatware:3Your phone is filled with apps you don't use. In fact, when you first bought your phone, it was probably already filled with apps that you never installed, and there's no way to uninstall them. These apps are all sucking up data about your phone activities. It's called "bloatware" and it's a disaster for your privacy.In this video:- we explain why minimizing the number of apps on your devices is super important- we do a refresher on the most private phone operating system- we look at more private apps that you can use as alternatives to the mainstream podcast, audiobook, video player apps that are collecting your data.00:00 Intro00:32 Overview00:53 What is Bloatware?02:08 Bloatware Advice03:49 Privacy Perils of Google05:16 Most Private OS: GrapheneOS06:43 Private App Alternatives07:24 Fdroid and Aurora Stores08:24 NewPipe08:40 LBRY, Odyssey and Try LBRY09:16 Organic Maps09:29 Vanadium09:35 Brave09:49 Joplin10:08 MySudo10:27 Signal10:49 Simple Gallery Pro10:56 Voice11:08 Antennapod11:32 Funkwhale11:41 ProtonMail and Tutanota12:08 ConclusionIf you'd like to dive further into the phone privacy rabbit hole, take a look at our free tutorial video for how to install graphene and download these apps. If you need help with the installation process, sign up for a consultation at https://www.nbtv.media/essentialprivacy Brought to you by NBTV team members: Reuben Yap, Lee Rennie, Sam Ettaro, Will Sandoval, Ogar, and Naomi BrockwellTo support NBTV, visit https://www.nbtv.media/support(tax-deductible in the US)NBTV's new eBook out now!Beginner's Introduction To Privacy - https://amzn.to/3WDSfkuBeware of scammers, I will never give you a phone number or reach out to you with investment advice. I do not give investment advice.Visit the NBTV website:https://nbtv.mediaSupport the show

Dr. Kevin Mailo and Dr. Wing Lim welcome financial advisor Goran Ogar to the show to share some tax code insights that a lot of general accountants may not know. Goran specializes in complex tax strategies for professionals, the very wealthy, and corporate entities. His understanding of the Income Tax Act is second to none. Goran first explains why many accountants and lawyers don't know all the ins and outs of the tax regulations. It's a very complex thing to study in its entirety. He then explains how corporate taxation works upon a business owner's death and how 60% of the assets will end up double taxes so only 40% remains to pass on. How can this be avoided?In this episode, Kevin Mailo and Wing Lim, with guest Goran Ogar, discuss the strategies to be found within permanent life insurance, how to collateralize on the opportunity for loans on insurance investment, and why strategies are necessary for personal businesses earning over $200,000 per annum. As Wing says, this episode is like reading the table of contents of a book you are very interested in, so there will be more in depth insight from Goran in the future. Start here and keep listening.About Goran OgarGoran Ogar is a financial strategist and advisor recognized by his colleagues for having a unique command of the most complex financial issues as it pertains to corporate tax and legal matters. He started his career in the financial industry in 2001 as an independent financial advisor, and has taught over 500 seminars and workshops on various financial topics. He approaches financial planning by first taking time to learn the specific values that his clients hold dear, then he identifies solutions to their challenges, and communicates a clear and concise course of action that is in alignment with those values.In addition to the financial advisory career, his entrepreneurial endeavours gave him first hand experience in business. He developed and started businesses in the areas of real estate, recycling, oil and gas, and hospitality. His business activities ranged from startups and initial fundraising to public company mergers and acquisitions. Resources Discussed in this Episode:Save the Date for May 6-7, 2023 in TorontoGoran Ogar on LinkedInBrilyant—Physician Empowerment: website | facebook | linkedin __TranscriptKevin Mailo: [00:00:00] Hi, I'm Dr. Kevin Mailo and you're listening to the Physician Empowerment Podcast. At Physician Empowerment, we're focused on transforming the lives of Canadian physicians through education in finance, practice transformation, wellness and leadership. After you've listened to today's episode, I encourage you to visit us at PhysEmpowerment.ca - That's P H Y S Empowerment dot ca - to learn more about the many resources we have to help you make that change in your own life, practice and personal finances. Now on to today's episode. Kevin Mailo: [00:00:35] Hi everyone. I'm Kevin Mailo, one of the co-founders of Physician Empowerment. And tonight I'm joined by Wing, also one of the co-founders, and he is going to be interviewing an associate of ours, Mr. Goran Ogar. And I'm not going to introduce Goran. I'm going to let Wing do that, but I'm going to introduce the topic. And the topic is this: Aspects of the Canadian tax code that your accountant or lawyer may not be aware of. So a bit of a controversial topic and a very fascinating deep dive. And I'm really looking forward to this one because Goran has a ton of background in tax planning for high net worth individuals as well as businesses and start ups. So with that being said, I'm going to step back and I'm going to let you run the show here, Wing. Take us through this great topic. Wing Lim: [00:01:26] Right on. Thank you. So I'm Wing. Dr. Wing Lim. I'm one of the co-founders of of Physician Empowerment. And some of you know me very well, some of you I may not know. Anyways, I'm absolutely excited to interview Goran tonight. Goran and I went back 20 some years ago. A past kind of crisscross, and then we're working on some really interesting stuff together. So yes, so the topic is highly controversial, but let me introduce why I would interview Goran? He's one of the most interesting guys I know and we say that our webinar and podcast, we want to interview interesting people and interesting topics. So Goran, of all, he came from Serbia and of all places that he chose to fly to, he chose the Frozen North called Edmonton 25 years ago and he actually became a preacher, went to school, become a preacher, and ended up in the financial world. But not just that. He did a bunch of start ups, different companies. He's a serial entrepreneur. I consider myself one of those too. And it's not open up serial companies, it's serial as a bunch. And he's taken some companies public that's in the oil and gas industry and others, and he's done restaurants and different things. Him and his wife both like they they cook so well, it's like MasterChef, and they fix a meal for me and my wife, it was absolutely amazing. And so Goran is not the type of financial advisor that goes around drumming up clients. He has a select suite of select high net worth clients, and some of them are in this professional space, but some are extremely wealthy. And he, I would call him specializing in complex tax strategies. He's been retained by various companies to do retirement planning, and two of which that is in our city, is University of Alberta and NAIT - North Alberta Institute of Technology. And these are, and they hire him just to help people retire. Right? So without further ado, Goran so tell tell us about your yourself, your journey, like it's really interesting path you crisscross. Goran Ogar: [00:03:33] Yeah well I came back in mid-nineties to Edmonton to study theology of all things, and when I finished my undergrad studies I continued for the master's degree and had a really good friend who was a financial advisor. He showed me strategies that he was doing - in particular tax strategies that he was doing - for his clients. And I just fell in love with the process of strategizing, figuring out different things. And the bottom line for me was figuring out how to, and learning how to reduce the tax burden. And so that was about 21 years ago. And I decided at that time to join a company, Assante Wealth Management is the company I joined, and became a financial advisor. And one thing that was very interesting for me, because before getting into financial industry, I was a teacher at local college here and teaching was the only thing that I knew how to do at the time. So I prepared courses on financial planning and tax strategizing and approached large companies in Edmonton area. And the University of Alberta was one of them, NAIT was another, Sherritt International, Dow Chemical and dozen other companies. They hired me and I was doing their financial planning, educating their employees for probably about 12, 13 years or so. But in that period, getting to know and meeting lots of entrepreneurs, I myself decided to become an entrepreneur myself and in the process started several companies in oil and gas, in tire recycling, hospitality. That was probably the most painful experience, owning the restaurant. I wouldn't advise anybody, you know, unless you're so passionate, but hey, I did it and it was a fun experience. So, and lots of good stories to tell from that. Wing Lim: [00:05:23] That's good. The good, the bad and ugly. And so, okay. So with that diverse background, of course you dealt with some really high net worth family offices and individuals, and there are stories that - I don't want to belabor everybody, but there are people worth double digit million - and then their tax advisers goofed. Right? And then as a result, they paid millions and millions of dollars in tax they shouldn't have. So for our level, regular human beings, doctors. So what? So what could possibly, the tax code, what could possibly our accountants and lawyers not know? Didn't they go to school? Goran Ogar: [00:06:02] Well, they did. The challenge is that the Income Tax Act is about 3500 pages thick. And in order to reduce taxes, you need to know the rules. And to know all the rules is pretty difficult. You really need to have an income tax act as your bedtime read. And very few people do that and on top of income tax, there's income tax regulations as well. That's another 1500 pages. So when you start looking at the whole picture of how the taxes are regulated in Canada, there's lots of material to study. The challenge is, in particular for lawyers and for the accountants, is many of those things are not even being taught during their education as they're getting their certification degrees and being actually accepted to the bar, because other things are more interesting. And there is, there are other things that are more of a focus. So the taxation does ends up being a really specialized field because even every accountant you will come across a tax accountant. So there is a general account, there is a tax accountant and actual tax accountants, very few of them are out there. Most of them are, most of the accountants are general accountants, so they don't focus on strategizing and the strategies that would be applicable both to the individuals and the small businesses or any size business. So the taxation is really narrow field and there are way too few, if you will, specialists in that regard. Wing Lim: [00:07:36] Right on. And so we, those of us who are married, said the vows till death do we part. It might hold true for marriages. It doesn't hold true for taxes. And sometimes till death do we start, right? And so. So maybe we should start there. So let's start with the end in mind. Right? So what happens when we pass on? We say work all our life, save the money, and then what does this tax man get if we just don't do capital planning? Goran Ogar: [00:08:13] Yeah. The big challenge is in particular with people who own corporations and most of the physicians are corporate owners. You are a business owner, you run a business whether you feel that you are a business owner or not, you are. That's the bottom line. And essentially, when a person, business owner who's, let's say 100% or 50% business owner, when that person passes away, the corporation is deemed as disposing of all the assets. So the corporation gets taxed pretty much at the highest marginal tax rate when the owner passes away. So the corporation gets taxed at about 50% tax rate. Now, the next step is for the assets to pass to the estate. And as an inheritance, there is another layer of tax that comes on top of that that the estate is going to pay at the disposition of those assets. So unless there is a proper tax planning, there is double taxation at the corporate level and then at the personal level. And that tax could be easily north of 60% of the total assets that would go to the government. Wing Lim: [00:09:24] So wait a minute, wait a minute. So you say, okay, so we work our butts off over the years. Let's say we save $1 million in assets passes to the next generation. So what really passes to the hands of our children is only 40%. Goran Ogar: [00:09:39] Roughly 40%, if no planning was done. Right? Wing Lim: [00:09:43] Wow. So what about what about these RSPs that everybody's racking up? I've known people rack up millions of dollars in RSP and then become whatever Lira. And what happens to those? Goran Ogar: [00:09:54] Well, when the person passes away, if that's the last person, let's say in a couple, right? So all the assets are considered to be sold. So full withdrawal of the RSPs happens. And pretty much if there is $1 million in the RSPs that's considered in the terminal year, the year of death, that's considered as an income to the person that passed away. So at $1 million, that would be the highest tax rate depending on the province where you are, 2 or 3% up or down from 50% of the money would go to the government depending on the province. So 47, 48 to 53% in Canada goes to the government from the RSPs. Same with Lira, right? The only actually type of account, registered type of account, that would not be hit by that is TFSA, tax free savings account. But unfortunately, with the tax free savings account, there is very limited amount of money that could be invested in it. Wing Lim: [00:10:56] That's so good that the government has to limit it. Goran Ogar: [00:10:59] That's right. Wing Lim: [00:11:00] Yeah. Now, the other thing, the government, is so good that the government have to limit it is insurance. Goran Ogar: [00:11:06] That's right. Yeah. So there are three types of insurance, actually two categories. There is term insurance and there is permanent insurance. And permanent insurance could be as universal life and whole life. What's interesting is about five years ago, the government reduced the amount of money that could be placed inside the insurance. And when I say placed inside the insurance, permanent life insurance is very different from the term insurance. Term insurance is only insurance that has pure insurance cost in it, plus some administration fees and stuff like that. So it's kind of like people consider it as a cheap, the least expensive type of insurance. It's not, actually it's even more expensive When you look at the net cost of pure insurance, it's slightly more expensive than net cost of pure insurance inside the permanent policies. Now, with the permanent policies, that's universal life and whole life, there is the insurance component, but there is also the investment component. In the past, government used to allow a significant amount of money to go into the investment portion of the permanent policies. And the challenge for the government was that the investment inside the insurance is exempt from the taxation. So it behaves in a similar way like tax free savings account. And essentially a person could put a large amount of money to grow at your discretion. If it's universal life, you can invest however you want - mutual funds, stocks, index funds - whatever you want to have in your portfolio. And that money would grow on a tax free basis and at the time of passing, it would go to the estate on a tax free basis as well. But also a person could withdraw from there in the form of a collateral loan or a straight withdrawal. We can get into it a little bit later, but about five years ago, the government decided to reduce the amount of money that the person could invest inside the universal life policies simply because lots of people were put in a significantly large amounts of money into those life insurance policies and without paying any tax on them. Wing Lim: [00:13:29] So that's that's actually the wealthy people secret weapon, right? They have so much inside this TFS on steroids which is insurance, permanent insurance, and jacking up just getting fatter and fatter. And at the end the government gets so little tax out of it, they have to limit because it's so good. Goran Ogar: [00:13:49] That's right. There are certain strategies, we're not going to go into all the details because our time is limited from that perspective. But there are certain strategies that could be used with the, within those policies, and with the corporation where literally corporate money could be withdrawn outside of the corporation without triggering any tax. Wing Lim: [00:14:10] Yeah. Now so we don't have time to go dive into that. But this is very interesting. So would you, so comparison number one, you have a bunch of assets portfolio. You know usually the regular Joe doctor goes to the regular Joe accountant and they say, okay, pay yourself T5, save a bunch of money in the corp and invest in the corp and build up the portfolio. And upon death, like you say, there's double taxation. There's like 60% gone to the tax man. So what happens if there is an insurance policy? Goran Ogar: [00:14:41] So essentially how it works with insurance policy, let's say if it's corporate owned insurance policy, so there is no withdrawal of money outside of the corporation. If a person would set up insurance policy, they could dump in a large amount of money as an investment inside that policy. So that money would number one, it would grow tax sheltered. What it means is there would be no taxation. So again, similar to the RSPs or tax free savings account, as compared to regular investment inside the corporation, which would trigger passive income taxation. And at about three, four years ago, the government actually was addressing the passive income inside the corporations. And if your passive income is over $50,000 per year, you lose the benefit of the small business deduction, which means you're getting taxed as a large business. Even on the first portion of a half $1 million. With the life insurance, permanent life insurance policies - so universal life or whole life - you completely bypass the passive income taxation. Now, if the investment inside the policy grows and let's say if it stays there 34 years until a person passes away, the proceeds from the insurance are paid into the corporation, number one, on a tax free basis. So they hit the corporate account on a tax free basis. The corporation does not pay any money in tax and as a result, proceeds from the insurance create something that's called capital dividend account or short, abbreviated CDA. The capital dividend account is a notional account, so it's used only for the accounting purposes. But that account allows the funds from the corporation to be passed on to outside of the corporation on a tax free basis. So which means all the assets that are accumulated inside the corporation within that policy would pass to the heirs without triggering any tax at all. So even if it's corporate money. Wing Lim: [00:16:54] Wow. So let's dial back a little bit. So same thing, right? So you work your buns off, have $1 million nest egg. Right? So you put it, uh, hide it inside a policy, permanent life policy, which is corporately owned by your place of work or whichever, so upon death is not just the insured amount - whatever 1, 2, 3 million - that goes to your offspring, but also the growth inside it is tax free compound over 30, whatever decades. And it goes down tax free. Goran Ogar: [00:17:25] That's right. Yeah. Wing Lim: [00:17:27] So then then so the comparison is we, my wife was a financial planner like 30 years ago, and at that time we read the book The Wealthy Barber, and said, okay, buy term life the cheapest to hold it personally, then you don't have to worry about pulling it out of the corp. Then the difference is a million, you only get 400 down to your kids or 300 versus a million. So for us to believe in that, we have to work 2 to 3 times harder to save a million to the next generation. That's absolutely crazy. But that's, everyday Joe, that's the advice that we got. Goran Ogar: [00:18:02] Yeah, well, that's the challenge with the advice. That's the challenge with the taxation. Because even I had an opportunity to chat with an accountant, one of my client's accountants - this was about 4 or 5 weeks ago - and the conversation revolved about the taxation and certain aspects, and I mentioned a different accounting firm and certain strategy. I was going to send the documents that I received from that accounting firm, kind of saying that the strategy is okay and that that's what they recommend to the clients. His comment to me was, Well, I don't like what they're saying because they approve of capital gains stripping. I'm not going to go into that strategy. But it's a very unique strategy. It's called, in other words, a pipeline strategy for a corporate tax planning. He was upset because the other accounting firm utilizes that for their clients. Well, the other accounting firm is actually a large national firm. I'm not going to name that firm, but it's a large national firm that has a very good auditors and frankly, CRA does not come against them very often, if ever. So they're utilizing this strategy that the other accountant that did not approve. Why? Simply for the lack of understanding and knowledge of certain aspects of a tax code. Wing Lim: [00:19:35] Right. Now, so yeah, this is very interesting. So let's move on. So do we have to, all these benefits just from one strategy you're talking about, do we have to wait till we die to benefit from. Goran Ogar: [00:19:48] No you don't. No, because, so let's say with with the permanent policies, if they're a part of the corporation and if the funds are accumulated inside the corporation, you can either withdraw money from it. Now, it would be taxed if it's withdrawn outside the corporation. Another option is to use those funds and use it as a collateral asset for the loans, and pretty much every major bank in Canada will lend you money against a permanent life policy outside of the corporation for the corporate asset. So the way we structure it often is, let's say if there is retirement planning, so an individual, a business owner, would invest a large amount of money inside the insurance policy. When the time for the retirement comes, they would just have a series of loans outside of the corporation, which would be a tax free money to them. Let's say a series of 20 loans, 20 annual loans for the 20 years. So all the the money is not withdrawn. It's alone. The investment inside the permanent life policy continues to grow. And upon death the insurance policy pays the proceeds to the corporation, as I mentioned earlier, from the corporation it gets on a tax free basis to the heirs or to the estate outside. A portion is used to pay off those loans and the rest stays tax free with the family or with the heirs. So a person can simply use that, collateralized, use a loan as a tax free income in retirement against the assets inside the policy. Wing Lim: [00:21:38] And in case this makes your head spin, don't worry about it. We'll have future sessions that dive into these strategies. Today is opening, by talking to Goran it's like going to a bookstore and find a very interesting book or novel and you open it and you just look at the table of contents and you're really attracted. So this is, today is one of those because there are so many interesting things. Now, let me recap it in layman's terms. My understanding is instead of going buying a cheapest term life insurance under your personal name and then pay yourself T5, the different advice that that we get here, or different brain wave, different wavelength, is actually put it inside, buy a permanent life policy inside your corporation and stuff as much as you can and build it up, build it up to be tax free. And not just that you collateralize it, right? So you borrow the money out and pay whatever prime rate or whatever. And then, but then now it's a loan under your personal name. So it's not under your corporation. It doesn't have to be in a corporation anymore. So you don't have to worry about this passive income thing. And then so you can invest. So then you have your nest egg inside a life policy that's growing, but you take it out, collateralize it, and you still, and you now you can invest again. So you got two, two piles growing. Is that true? Goran? Goran Ogar: [00:22:59] Uh, sorry, could you repeat? Wing Lim: [00:23:01] So your life policy is growing, right? Tax free. But you collateralize, so you borrow the money out. Goran Ogar: [00:23:07] That's right. Wing Lim: [00:23:08] Now you can go invest again. So. Have a second pile growing. Goran Ogar: [00:23:12] Exactly. So what lots of people do is they would have a policy inside the corporation. They would borrow money outside the corporation and not spend that money, but actually use it for the investment purposes. So essentially, it's using a corporate money in the personal environment now, where the taxation is actually lower than inside the corporation, and that's additional benefit that could be used. So the interest in that regard becomes also tax deductible. Wing Lim: [00:23:44] Right. And then a lot of struggling young physicians, right, we met young colleagues by the time they finish med school, they are $250 to $300,000 in debt. Right? And so they if they have this kind of policy and they do a collateral loan, and so they can pay off a little bit and still sock some money away. Right? Or can sock away for a nice retirement. So this now, this alone is amazing. What... give us another, what else would a regular physician, should should we do if we, now that we have this thinking cap on, what else would you advise? Like what other corporate restructuring strategies would you recommend? Goran Ogar: [00:24:24] So depending on a personal situation, of course, and everybody's situation is different. But typically when I have my wish list for my clients, when I look at their situation, and that's restructuring the type of income that they draw out, I understand that people have to take out T4 income. But if you're taking T5 income, you can look at reduction of your CPP income to reduce so that you're not paying CPP, because many people are not going to use it. So for me, number one income strategy would be looking at the pipeline strategy. So I would advise many individuals, if you have income of, let's say, $200, $250,000 per year or more, utilizing pipeline strategy or capital gains stripping, would reduce your income by half, literally. Number two is setting up a permanent policy for estate planning, for retirement planning, or for immediate financing for other investments and stuff like that outside of the corporation or for a different corporation. Number three, I would say setting up a family trust, family trust and keeping the assets inside the family trust. Family trust for a reason, there are tax reasons, but also there is a control reason that will help you save money from creditors. If there are certain situations in life, there are many things that can happen that with a family trust, actually you can prevent negative consequences from happening. Wing Lim: [00:25:59] Like a divorce of your kids. Goran Ogar: [00:26:00] That's right. Exactly. Yeah. Yeah. Because with the family trust you can avoid even for your kids, you know, prenup agreements and stuff like that, which is often a tough conversation to have. If a person is a donor, if you like to donate money to charities, I would look at setting up a private foundation as well for those purposes, because with the private foundation, whatever you put into the private foundation, you get pretty much about 50% tax credit. But you have to spend only 3% of whatever is inside the private foundation for the charitable purposes in any given year. So those are kind of like four strategies that I would look at seriously considering setting up pretty much every business owner. Now, there are other strategies as well that could be applicable for various situations, but these four, I would say, are the core when it comes to tax savings for business owners. Wing Lim: [00:26:56] Right on. Yeah. So somebody's already made a comment like we're drinking from a fire hose already, so 30 minutes just came and gone like that. So a couple of questions left from me. Why wouldn't more advisors tell us this? Goran Ogar: [00:27:12] Well, I would say, number one, there is a lack of knowledge when it comes to these strategies, and I think that's the biggest issue. Number two, there is, from the accounting perspective, there is only accountants, there is always fear that you are too close to the line and that you shouldn't walk too close to the line. So I would say those two things - the lack of knowledge and fear of stepping over the boundaries - are probably the two most the biggest reasons why we don't hear about those strategies. Wing Lim: [00:27:46] Fair enough. Fair enough. And that's why we're here to empower everyone, right? The empowerment process to empower you to ask smarter questions, write to your advisors. That's then the last question I have, if we have run of the mill advisors, we feel stuck. Do we fire them or what do we do? What are our choices and steps? Goran Ogar: [00:28:06] I mean, that's difficult to say, you know, because I'm an advisor myself. Right? But the challenge is there are lots of good advisors out there, but there are few in comparison to the number of advisors that are there. So looking and finding a competent advisor who knows his stuff and who's willing to tackle the taxation and the estate planning and the strategies that are involved, who is willing to go extra step, if you will, with strategizing, I think would be probably the most important thing for an individual to do. Wing Lim: [00:28:43] So what, at what time should one retain a tax lawyer? At a cost? Goran Ogar: [00:28:50] Yeah, I would say for tax lawyer in particular with the income of $200,000 plus, I think a tax lawyer is a must because the cost for a tax lawyer at that point, percentage wise as a percentage in relation to the income, becomes justifiable. Wing Lim: [00:29:08] Right. Yeah. Well, that's absolutely amazing. So I can share with people that, that I've learned tons and tons over the years. And when I tell people, when I meet with my accountant once a year is not ask my accountant, what do I do? Is I like do the Vulcan mind meld like Star Trek, but I suck him dry. I drive the two hour conversation and then I would pay the tax lawyer to give instruction to my accountant. Right. So that's, and inspired advisors like you, Goran, right are so, that is so rare. So rare. Well, so I want to thank you for this really, really valuable small lesson. And you definitely will be back many, many times. Let's open up the floor because we want to keep it lively a little bit. So, Kevin, maybe you can take control. Kevin Mailo: [00:29:57] Yeah, I'll be happy to moderate. And I'll add that Goran is going to be joining us for a portion of our conference May 6th and 7th. So we got those comments, you know, from some of our webinar guests say it feels like drinking from the from the fire hose, listening to Goran talk, I couldn't agree more. And I'm right in that category myself. So if you're feeling overwhelmed or there was a lot here, this is going to be up on the podcast, so you can always listen to it again. But more importantly, just reach out to us, connect with us. Goran is going to be at the conference to answer these questions and explain these concepts in more depth. Because there is a lot here. And like Wing said, we're just glancing at the chapters of a very big book here. But if we do this properly, this can mean hundreds of thousands of dollars over the course of our careers. Right? And we sit there chasing returns on the public markets or other investments. And we're not, we're not really paying attention to the single biggest line item in our lives, which is personal and corporate taxation. So it's worthwhile doing what Wing does. Learn some of this stuff better than your accountant so that your tax lawyer can send instructions over. But that takes time and I'd encourage everybody to come and join us May 6th and 7th for a bit of a deep dive in some of these topics. So with that being said, if anyone has questions, go ahead and ask them or reach out to us via email or connect with us on the website. Kevin Mailo: [00:31:19]  All right. We got one question. We got one question. From one of our master class participants. Thanks, Goran. Is the investment in whole life insurance going to be managed like mutual funds? You sort of touched on this earlier. Do you want to explain that a little bit more? Goran Ogar: [00:31:34] I did, and I do, yeah. So there are two types of permanent insurance. There is universal life and there is whole life. With the universal life, you manage the portfolio just like your mutual funds portfolio. So you have probably 500 choices, with most of the companies you have 500 choices of the investments. You manage them like a mutual fund. With the whole life in particular, the company gives guarantees. So the insurance companies, they manage that portfolio for you and the income is fixed. So there is no fluctuation like in mutual funds. So they're not phased, but whatever is happening with the market. So the income is fixed on the whole life. Wing Lim: [00:32:21] Which is amazing already. Kevin Mailo: [00:32:25] Wow. Are whole life premiums like a corporate rate expense? I'm hoping I'm getting that right. Wing Lim: [00:32:32] Is it a corporate expense? Kevin Mailo: [00:32:35] Yeah. Goran Ogar: [00:32:35] No, it's not. There is a very narrow reason when a life insurance could be a corporate expense. That is, if the bank, let's say if you're borrowing money from a bank, if they require that the principals of the corporation be insured, life insured, only then the premiums end up being corporate expense. Wing Lim: [00:33:00] So you mean when we buy a life policy, like a whole life policy, for example, inside a corporation is a personal expense not a corporate expense? Goran Ogar: [00:33:08] No, it's not considered. So it's after tax dollar to the corporation. Wing Lim: [00:33:14] Okay. But it's still inside a corporation. Goran Ogar: [00:33:17] It's inside the corporation, that's inside. Wing Lim: [00:33:19] Inside PC not personal. Goran Ogar: [00:33:20] Inside PC. It's not personal. That's right. Right. Speaker5: [00:33:25] Hi. Thanks. Sorry, I can't come online. I can't show my face. Kevin Mailo: [00:33:31] All right, go for it. Go for it. Speaker5: [00:33:32] That was very, um, my head is still spinning. So lots of good stuff, right? So I just wanted to be sure that it's like, after you do your tax year and you have money left over, you pay taxes on it. So whatever you do with that, you can buy life insurance with that, just like you would do an investment in your corporation. So it doesn't have to be from the personal side. Goran Ogar: [00:34:03] Yeah,it's not from personal side. So if it's corporate owned, exactly how you explain. So after you pay corporate tax, then you use those funds to invest money inside the permanent insurance. Speaker5: [00:34:15] Okay. Thank you very much. Goran Ogar: [00:34:17] Very welcome. I see the question, what about term life insurance? Same thing with the term life insurance. Only if the lender requires that there is life insurance on the principals, then the term life insurance could be deductible. Otherwise it's not. To the corporation. Wing Lim: [00:34:43] There's another question. There's somebody raising hand, but there's a question ahead of that. Who would you recommend, like term life insurance versus whole life insurance? Goran Ogar: [00:34:52] Okay. So where I would recommend the term insurance is, for example, there is, let's say, a startup company and there is a buy sell agreement between the partners and they're planning to build the company and sell it maybe in 5 to 10 years. So where there is an exit strategy that close, then I would say go for the term insurance rather than the permanent insurance for the reason of it's less money to be put in because more money is required for the corporation maybe to run. In that case, I would say term insurance because there is no other plan in a tax planning that's involved. Now, if the desire is to do additional tax planning, then I would look at the strategies with the permanent insurance. Does that answer the question? Wing Lim: [00:35:45] So in my mind, just my 2 cents worth, we all have cell phones, right? And I would say that the cheap term life is this is a phone you can call somebody. But now people use more than just phone, right? Your whole life is managed. Right? So whole life or permanent life policies is not just a term, but a bunch of other stuff. You can use a lot more. Goran Ogar: [00:36:05] That's right. Now, what's very important to remember, the premiums for the whole life appear to be more expensive than the term insurance and I carefully use appear to be more expensive. The cost of insurance is actually pretty much the same. Term insurance ends up being even a little bit more expensive, about 5% more expensive, than a whole life insurance because the rest of the money, whatever is the difference in the premiums, so whole life being a higher than the term insurance in terms of premiums, the spread that's here is actually what's going toward your investment as a cash value eventually that could be used for the retirement or as a collateral what we discussed earlier. And so term only appears to be cheaper. But in reality they're more or less the same cost. Kevin Mailo: [00:37:02] You mentioned a number of strategies like capital gains stripping, whole life, family trust. Is this one after the other depending on net worth? At what net worth would these be applicable? So how do you deploy these? How do you put these together? Or do we need to sit down with someone like you, Goran, who says now's the time to do a trust, now's the time to do capital gains stripping, all that. How do we deploy all these strategies? Right? Goran Ogar: [00:37:29] I wouldn't say there is - how would I say - there is a rule at the net worth thresholds when you start applying these strategies. With the capital gains stripping, I would say income over $200 to $250,000. That's when you start with the capital gains stripping. With the whole life, you can start at about $150 to $200 or more. With the family trust, I would start looking probably at about $350,000 income. And then with the foundation, the foundation would come after that. So there are certain stages where a person would apply one strategy and then when they hit another threshold in income, then apply another strategy. Et cetera. And beside these four strategies, there are other strategies as well that depend on the net worth of the individual. There is always a potential for the offshore tax planning and stuff like that. So yes, to answer that, it depends on the net worth which strategies would be applied, at what stage in life. Does that answer the question? Kevin Mailo: [00:38:42] I think it's great. Speaker5: [00:38:43] Yes. Thank you. Goran Ogar: [00:38:44] You're welcome. Speaker6: [00:38:46] Sorry. I'm not sure if we got you. Goran Ogar: [00:38:49] Now we can hear you. Speaker6: [00:38:50] Oh, really? I've been typing for the last two minutes of my question there, so. Kevin Mailo: [00:38:55] No, no, no. Go, fire! Speaker6: [00:38:57] Okay. Thanks a lot. Like, you've been, like, really enlightening and helpful on really making the tie between the strategy and how it's used in corporations, because I did read about this, especially in the States, and I've asked locally and tend to only get like deer in the headlight looks from advisors. So it really sounds like you've known how to put this thing to use. It's a bit of like a personal scenario kind of question, but one way, well, there's really two questions. One way I saw potentially using this strategy is in 4 or 5 years we wanted to maybe do something like building a house. I understand there's a bit of like a build up to this, the whole life insurance before it starts paying its own premiums. I'd just be curious to see if you've ever used it this way so that essentially those loans can be taken out, taken out personally to do something like to pay for like a house build or a mortgage or something like that. Goran Ogar: [00:39:59] That's right, it could be. Yeah. So there is a strategy that we called immediate financing arrangement where you can set up a whole life policy and you can literally collateralize that immediately and get 100% of the premiums outside of the corporation as a personal loan immediately, pretty much. So whatever the amount of money is that you would need, structure the premiums for the whole life to be in that range and then you can borrow it outside of the corporation personally right away. Speaker6: [00:40:36] Wow. Okay. That sounds pretty powerful. And the second piece was like, is it ever too late to implement like working towards like a whole life? Let's say somebody had collected or done the RSP route for many years. Is there a way to to move things around or how would that work? Goran Ogar: [00:40:59] Yes, there is. Yes. Now, on the personal side, so this would be outside of the corporation, you see. As long as the person is comfortable using loans, what I've done in the past is I would set up an investment loan and I would pay the interest from the RRSPs. You see, because investor loan for the investment purpose, the interest that you pay on it is tax deductible. The income that you withdraw from the RSPs is taxable. So essentially you would be using RSP money to pay for the interest on a non RSP loan so they would neutralize each other from the tax perspective. That way you could freeze the RSP growth and slowly start transferring money into the non RSP vehicle with significantly better taxation than the RSPs down the road. So. Speaker6: [00:41:57] Okay. I think I'll have to like draw a chart to make that make sense to me. But I think I got what you're saying. Goran Ogar: [00:42:02] So again, you have RSP, you have a loan, and let's say RSP is, I'll just use round number for for the sake of illustration, the RSPs are $100,000. The loan is $100,000. Let's say the interest is 5%, which is $5,000 per year. You withdraw from the RRSPs $5,000 per year, which would trigger tax on the $5,000 per year. But the moment you pay the interest, the tax is neutralized because the interest on the loan for the investment purposes is tax deductible, you see. So you're feeding the loan, if you will, with the RSP money without triggering any tax. Kevin Mailo: [00:42:44] Wow. Wow. Absolutely. Wow. Goran. Speaker6: [00:42:52] Yeah, it's cool. Goran Ogar: [00:42:54] Does it make sense? Does it make sense now the way I explained? Kevin Mailo: [00:42:57] Yeah. Wow. Wing Lim: [00:43:01] Well, there's so much now to do. Kevin Mailo: [00:43:04] We got another question. Let's go. All right. We'll we'll find some way to cover all this later. Okay. About whole life insurance, as you mentioned, a few years ago the law changed. And this participant wrote in, I purchased one policy prior to that change in the law. But what was the change? Can you explain the change in whole life? Goran Ogar: [00:43:25] Yeah. So number one caveat. If you bought it before the change, your policy is grandfathered. So the old rules applied, which means what's in insurance industry called MTAR Room. So it's an acronym. But essentially what that is, it's the amount of money that you can invest inside whole life policy for the cash. So the government saw that that amount was being, let's call it abused, from their perspective or overly used. So they decided to reduce the amount of money that could be invested on an exempt basis inside the whole life policies. So that reduction was probably to the tune of about 30% that they cut it down. So back in 2016, you could put significantly more money as an investment portion inside the policy as you can right now. But there are ways to work around that as well. So there are not straightforward as it used to be before, but there are ways to increase that investment portion. So to answer your question, if you purchased yours prior to the changes, nothing would change to you. For people who did not buy it at that time but bought it in 2017 or later, the amount of money that they can invest inside the policy is significantly reduced then to your policy. Wing Lim: [00:44:59] All right, this is awesome. Now, so I'm aware of the time as well. Now, there was a comment earlier in the chat and that is, oh, this sounds so expensive. So can you go on all these strategies? What kind of cost and is it cost benefit ratio? How do you balance that? Goran Ogar: [00:45:17] Yeah, the reason I mentioned some of those thresholds is that proportionally to the income, so whatever strategy you implement in proportion to your income, it would be significantly cheaper to implement those strategies. Even if you need to pay a tax lawyer let's say $10,000 to set up one of those strategies for you, $10,000 in that strategy would probably save you $50, $60 or $100,000 in income tax. So it may sound expensive just to write a cheque, let's say, to a lawyer, but when you look at the tax that you would save, it ends up being actually more beneficial to pay a significantly smaller amount to the lawyer than to the government. Wing Lim: [00:46:08] So from personal experience, okay, so if you don't know anybody, you have no discount pipeline could cost you 35 K, but it saves you if you do $1 million pipeline suck out of your corp, you can save $375,000. So in that savings is 300 K so, right? I've done it twice. So there's always a cost and then a good advisor would help you work that through. Right. So if you only have so little pool, for example, you pull 50 K out, it's really not worth it. Right. Goran Ogar: [00:46:39] That's right. Yeah. Wing Lim: [00:46:40] Yeah. So. All right, good. Now, so this is, this is awesome. So now, so I don't want to drown everybody because this is already a whole lot of information. And I think the whole point is to expand your brain, right? I think our brain is like, what do you call it? The airbag driving. Once you decompress it, you need to shove it back and you can't. Right? So my brain, that happens multiple times. And so hopefully tonight that creates this decompression in your brain. This is a good place to wrap up. Kevin Mailo: [00:47:10] Yeah, I think that ought to cover it. And clearly, clearly we've got to get Goran back on for another webinar, for a podcast episode, because this was probably our longest by far and away because it was so good. We loved it. Wonderful. And I'm going to wrap up here before my busy six year old starts taking up all my time and and space. But again, Goran, we sincerely want to thank you for coming on today. It was absolutely outstanding and we're looking forward to having you at our national conference, uh, this May 6th and 7th. Goran Ogar: [00:47:46] Yeah. Looking forward. Wing Lim: [00:47:48] Thank you, Goran. Really appreciate your time and your wisdom. Goran Ogar: [00:47:50] Thank you, guys. Yeah. Wing Lim: [00:47:51] Thank you, everyone, for attending. Good to see you all. Kevin Mailo: [00:47:54] Thank you so much for listening to the Physician Empowerment Podcast. If you're ready to take those next steps in transforming your practice, finances or personal well-being, then come and join us at PhysEmpowerment.ca - P H Y S Empowerment dot ca - to learn more about how we can help. If today's episode resonated with you, I'd really appreciate it if you would share our podcast with a colleague or friend and head over to Apple Podcasts to give us a five star rating and review. If you've got feedback, questions or suggestions for future episode topics, we'd love to hear from you. If you want to join us and be interviewed and share some of your story, we'd absolutely love that as well. Please send me an email at KMailo at PhysEmpowerment.ca. Thank you again for listening. Bye. 

Ania Ogar jest founderką i CEO Microbe Plus. Na falach MamStartup Podcast wprowadza nas w fascynujący świat związku bakterii i roślin, wskazując jak te pierwsze mogą pomóc uratować te drugie przed skutkami zmian klimatu i uwolnić nas od syntetycznych pestycydów.

Ogar vo svojom príhovore rozprával o povolaní patriacom každému kresťanovi - vydávať svedectvo o Ježišovi Kristovi. Svoje rozprávanie oprel o príbeh potopenia lode Empress of Ireland, biblický príbeh o Eben Ezer z prvej knihy proroka Samuela a o vlastnú skúsenosť s rozširovaním počtu používateľov jednej mobilnej aplikácie, ktorá mu pomohla zlepšiť životosprávu. V praktickej časti nasledovala práca v skupinkách, kde si ľudia hovorili navzájom svedectvá zo svojho života a v závere stretnutia zazneli svedectvá troch vylosovaných ľudí aj verejne. Toto slovo odznelo na Komunitnom Ebene (pravidelné každomesačné stretnutie pre členov Komunity Eben Ezer).

Karel zase nevěděl, jaké biblické téma zpracovat a při pohledu z okna ho napadlo, co třeba stromy. Zdálo by se, že to jich tam moc není. Na začátku jsou dva - Strom života a Strom poznání dobrého a zlého. V Bibli jich je ale mnohem víc. Najedete tam stromy jako místa, kde se lze setkat s Bohem. Kam Abraham přijde, tak postaví u nějakého stromu oltář Hospodinu. Chudák Abšalom se zachytil svými vlasy do větví stromů a pak ho probodli. A o milé z Písně písní se říká, že je krásná jako palma. To nezní jako moc lichotka, co? V knize Soudců je krásné podobenství o tom, jak si stromy volí svého krále a žádný z nich to na sebe nechce vzít, jen trnitý keř s tím souhlasí... Ježíš to se stromy měl dost složité, třeba proklel chudák fíkovník. Zasloužil si to? To a ještě mnohem víc věcí vám povíme v našem podcastu. Tentokrát pijeme ostravské pivo Ogar. P.S. Nominovali jste nás na Křišťálovou lupu. Dejte nám prosím hlas na webu kristalova.lupa.cz/hlasovani/

Chachar, Ogar, nebo také Divá Bára a Nad oblaky. Vyhlášený pěstitel a šlechtitel zahradních kosatců Zdeněk Seidl z Hlučína dává svým výpěstkům originální jména. Své zahradnické vášni se věnuje už desítky let a se svými kosatci nejroztodivnějších tvarů a barev sbírá ocenění na soutěžích u nás i ve světě.Všechny díly podcastu Odpolední interview můžete pohodlně poslouchat v mobilní aplikaci mujRozhlas pro Android a iOS nebo na webu mujRozhlas.cz.

Chachar, Ogar, nebo také Divá Bára a Nad oblaky. Vyhlášený pěstitel a šlechtitel zahradních kosatců Zdeněk Seidl z Hlučína dává svým výpěstkům originální jména. Své zahradnické vášni se věnuje už desítky let a se svými kosatci nejroztodivnějších tvarů a barev sbírá ocenění na soutěžích u nás i ve světě.

Jola Ogar zaczęła od siatkówki, ale srebrny medal na Igrzyskach Olimpijskich w Tokio zdobyła za żeglarstwo. W wieku 24 lat pierwszy raz w życiu weszła na łódkę i tak zaczęła się jej przygoda. O tym jak Witek-lekarz namówił ją do zmiany dyscypliny sportu, jaki sposób na chorobę morską jest najlepszy, jaką relacje ma se swoją partnerką od żeglowania i jak być superhero mamą trenując 288 dni z rzędu. Partnerem podcastu jest Cisowianka

Today, we will discuss the results of the top metaverse projects with a special guest, Ogar. He originally worked in design and production in the video game and the esports industry for 10 years until he found his true calling in NFTs, blockchains, and the metaverse. Ogar launched his company in 2019, Ogar Production, to pursue his passion for alternative art that embraces the voxel atheistic. His work focuses on creating buildings and assets within the metaverse space, one block at a time! In this episode, we go through the various winners and discuss what makes them stand out, as well as the future potential and challenges for the metaverse space. We learn details about the winners, what Ogar thinks about the various projects, aspects that make each project special, the role of big corporations in the space, the value of indie projects, and much more! Tune in to hear from a leader and respected figure within this cutting-edge industry, Ogar! Key Points From This Episode: We learn how Ogar first started in the NFT space and what he is currently working on. Background about Sandbox and why he thinks it is an interesting project.  What Ogar sees as the competitive advantage of Sandbox compared to similar projects. How he thinks Sandbox can strike a balance between people and technology. He shares what he thinks about the future potential and challenges are for Sandbox. What the new OM project is and how Ogar would characterize it. Whether OM will be able to meet the promises of users and be sustainable.  Discussion about the narrative of OM and how it is beneficial to scaling the project. Learn about Cryptovoxels and what makes it different to other metaverses. Aspects that he enjoys the most about Cryptovoxels and why he values it the most. The vision that the developers of Cryptovoxels have in common with Ogar. Some of the problems and challenges that Cryptovoxels may have in future. Comparison of Cryptovoxels to other metaverses. The characteristics of Cryptovoxels that makes it appealing to people. How Ogar feels about Cryptovoxels' focus on art within the digital space. An overview of the winner of the vote: Decentraland. Why Ogar thinks Decentraland won and what is the mass appeal. Ogar gives us his opinion on the role of Facebook in popularising metaverse. We end the show by finding out what Ogar's favorite metaverse project is. Tweetables: “Whatever you deliver, you deliver it in a better world.” — @Dat_Ogar [0:12:56] “I believe that the metaverse will be the one to clear the path and act like a laboratory of metaverse societies that will function under the development of decentralized contracts.” — @Dat_Ogar [0:24:22] “In Cryptovoxels, I feel like there is more life and also feel that they did more to include people that didn't have a lot of money or a lot of crypto, in order to push them to build.” — @Dat_Ogar [0:37:53] Links Mentioned in Today's Episode: https://twitter.com/Dat_Ogar (Ogar on Twitter) https://www.floorisrising.com/ (Floor Is Rising)

On this episode of Friendship Chats (FC); we featured Victor, The Partner of "We Run Errands", A Seasoned Brand Consultant and The CEO of "VURNT" to discuss his Angles on the tenets of friendship and how he navigates his relationships with friends. We hope to give more Value on DiaryofThePreacher'sKid with the Friendship Chats and hopefully, host Victor again cause he brought the vibes and his responses were thought-provoking. It was an interesting Convo and We hope you're as Impacted because we made this specially for You. Please follow Victor on IG & Facebook: @Vurnt and The Preacher'sKid (Me

In the year 2004, World of Warcraft released and changed gaming forever.  Robert and Pascal joined our group to chat about the classic version of the game (minus the Chuck Norris jokes).  Lok'tar Ogar!

Hello Family,Thank you for joining today's Rosary prayer. This is day 32 of our 54-day Rosary Novena. Saturday of the third week of Lent.I want to thank everyone who has rated our podcast. Thank you for giving our podcast five stars. Thank you, Simply-Mar, for your lovely review. Christine Cassivi, thank you for your donation and for paying it forward towards next season.My hope and prayer are to publish another season of 54 days of roses. I ask for your help with a donation to pay forward. Our goal is to raise $3,000. This would help me cover the fees for editing, design, subscriptions to all the podcast platforms, and other expenses. On my end, I will continue to cover the cost, but this podcast belongs to everyone who is listening. I do want to allow everyone to pay it forward. About 522 people are listening daily; if everyone listening to this episode pays it forward with $5 the cost of a cup of coffee, we will be set to fund season 7. We have currently raised USD 965. If you are called to pay it forward. Please visit our website. You will see a tab "support Season 6" I forgot to change the tab's name to season 7. But there, you can make your donation. For those in the US, you can also pay it forward through Venmo. The username is @Novena54daysofroses. the links are listed in the show notesI appreciate everyone here for supporting our ministry and helping us pray for our Family's intentions.Day 32;  Sorrowful Mysteries in Thanksgiving Let us pray the Sorrowful Mysteries in Thanksgiving.  Blessed Mother, Queen of the Most Holy Rosary, we ask that you intercede for us as we pray to have our hearts opened to the will of God.In this season of Lent, Blessed Mother, we pray that God may come more fully and deeply into our lives. Our Lady, Queen of Peace, we pray for the people of Ukraine, Russia, and all nations in conflict.We pray for the Intentions received by email, Instagram, and Youtube. We pray for the intentions of everyone listening to this rosary prayer. For: Colleen, Cat, Valery, Johnny, Olivia, Ogar, Godwin, Gayle, Jasmin, Somtochukwu, Karla, Monica, Beatriz, Mila, Madelyn, Deb, Sophie, Amal, Michael, Stephanie.With love,Maritza MendezWebsite:https://www.54daysofroses.com/Support our Ministry:https://www.54daysofroses.com/supports6Instagramhttps://www.instagram.com/54daysofroses/Coffee with Roses:https://calendly.com/54daysofroses/coffee_with_roses2Linktreehttps://linktr.ee/54daysofrosesVenmohttps://account.venmo.com/u/Novena54DaysofRosesAudio Engineerhttps://luisaperez238.wixsite.com/portafolioThe song "Meditation 2" created by Patrick Buddehttps://www.patrickbudde.com

Today we met on the Spotify green room app to have a convo with Alaska Redd, catching up with him as he finalizes the roll out for his new album titled “THE OGAR”. An incredible artist who's career spans nearly three decades, a true hustler and entrepreneurial spirit I present to you our pod!!! IDEK

If a hacker gets access to your email, bank, or crypto account, they can turn your life upside down. How secure are YOUR accounts?One thing that can help you secure them is to use 2fa (2-factor-authentication) where you have to use multiple methods to sign into an account, rather than just a single password on a website. 2FA makes your account MUCH more secure.But not all 2FA methods are create equal. For example SIM swaps allow hackers to intercept certain 2FA methods, so if your account is tied to a phone number then you're more vulnerable to being hacked.We dive into various 2FA methods, including SMS verification, TOTP apps (authenticator apps), and security keys (like YubiKey), explain which is the most secure, and also talk about the tradeoffs of each.For more info about 2FA, check out this awesome article from Paul Stamatiou: https://paulstamatiou.com/getting-started-with-security-keys/Brought to you by NBTV members: Lee Rennie, Will Sandoval, Ogar, and Naomi BrockwellTo support NBTV, visit https://www.nbtv.media/support(tax-deductible in the US)Sign up for the free CryptoBeat newsletter here:https://cryptobeat.substack.com/Beware of scammers, I will never give you a phone number or reach out to you with investment advice. I do not give investment advice.Visit the NBTV website:https://nbtv.mediaSupport the show (https://www.patreon.com/naomibrockwell)

Canada's authoritarian response to protestors has shocked the world, as they declare that bank accounts and digital assets can be frozen with no due process or court orders, and no liability for the banks that shut them down. They have added crowdfunding (fiat and crypto) platforms to be regulated as part of their terrorism laws, and announced that multiple crypto addresses have been sanctioned because those people either received or donated funds associated with protestors.We dive into the crackdown, and how privacy coins are more important than ever, with special guest Ben Armstrong of BitBoy Crypto!00:00 - Intro02:43 - El Salvador vs US Govt05:19 - SEC Tries to Chill Elon Musk's Speech07:40 - Twitter Adds Tipping for Ethereum10:11 - Canada's Payment Blockade ft. Bitboy37:27 - OutroBrought to you by NBTV members: Sam Ettaro, Will Sandoval, Ogar, and Naomi BrockwellFollow Ben here:https://www.youtube.com/channel/UCjemQfjaXAzA-95RKoy9n_gTo support NBTV, visit https://www.nbtv.media/support(tax-deductible in the US)Sign up for the free CryptoBeat newsletter here:https://cryptobeat.substack.com/Beware of scammers, I will never give you a phone number or reach out to you with investment advice. I do not give investment advice.Visit the NBTV website:https://nbtv.mediaSupport the show (https://www.patreon.com/naomibrockwell)

A shocking new plan to chill freedom of speech in Fairfax County Public Schools. We dive into the details with special guest Asra Nomani, VP at PDE (Parents Defending Education).Today's Privacy News:00:00 Preroll00:52 Intro02:23 Google's privacy plans: how private are they REALLY?07:14 Meta sued for BILLION for collecting Biometics09:27 Fairfax School Mass Surveillance Program34:00 Final thoughtsGoogle's new privacy plans aren't that privateMeta sued for BILLIONS for privacy violationsFairfax Child Surveillance Program: Social media data collection/analysis, creating a treasure trove of information about studentsBrought to you by NBTV members: Sam Ettaro, Will Sandoval, Ogar, and Naomi BrockwellTo support NBTV, visit https://www.nbtv.media/support(tax-deductible in the US)Sign up for the free CryptoBeat newsletter here:https://cryptobeat.substack.com/Beware of scammers, I will never give you a phone number or reach out to you with investment advice. I do not give investment advice.Visit the NBTV website:https://nbtv.media#privacy #freedomofspeech #Biometrics #google #metaSupport the show (https://www.patreon.com/naomibrockwell)

TOP STORIES:Inflation hits 7.5%   Bull Market Again?  Hungary Wants EU Crypto Ban How Private Are Your Crypto Transactions? CIA Secret Surveillance Program EARN IT Bill is BACK Huge news: CIA's bulk surveillance program revealed, and the insidious EARN IT bill that Snowden called a "disgrace", passed unanimously.The biggest crypto news this week was the couple who were arrested for allegedly laundering $4.5billion from the 2016 Bitfinex hack. But the most interesting part of the story was how the government was able to trace these funds through dark market accounts, in and out of bitcoin and into privacy coins. We chat to a chain analytics expert about how this was possible, and the data that is leaked every time we transact in crypto.Thanks to our special guests:Wendy O: https://www.youtube.com/c/CryptoWendyOLorne:https://twitter.com/Lornestar00:00 YT Cracker - Bitcoin Barron01:33 Show Intro03:18   WendyO Inflation Hits 7.5%07:19   WendyO  Bull Market Again?09:45  Wendy O   Hungary Wants EU Crypto BAN14:07  Lorne Lantz  How Private Are Your Crypto Transactions?26:13  Get Off My Digital Lawn Intro26:40  CIA Secret Surveillance Program32:38  EARN IT Bill Is Back36:54  Naomi Responds To TwitterBrought to you by NBTV members: Sam Ettaro, Will Sandoval, Ogar, and Naomi BrockwellTo support NBTV, visit https://www.nbtv.media/support(tax-deductible in the US)Sign up for the free CryptoBeat newsletter here:https://cryptobeat.substack.com/Beware of scammers, I will never give you a phone number or reach out to you with investment advice. I do not give investment advice.Visit the NBTV website:https://nbtv.mediaSupport the show (https://www.patreon.com/naomibrockwell)

This year Congressman Emmer proposed a bill to limit the Fed's ability to issue its own digital currency.He says that a CBDC is an Orwellian surveillance tool, and that we should not be trying to emulate China.He has been an outspoken advocate for financial privacy, and so we chatted to him about cryptocurrencies, and whether the SEC and Fed are taking us down a dangerous path.https://emmer.house.gov/2022/1/emmer-introduces-legislation-to-prevent-unilateral-fed-control-of-a-u-s-digital-currencyBrought to you by NBTV members: Lee Rennie, Will Sandoval, Sam Ettaro, Ogar, and Naomi BrockwellTo support NBTV, visit https://www.nbtv.media/support(tax-deductible in the US)Sign up for the free CryptoBeat newsletter here:https://cryptobeat.substack.com/Beware of scammers, I will never give you a phone number or reach out to you with investment advice. I do not give investment advice.Visit the NBTV website:https://nbtv.mediaSupport the show (https://www.patreon.com/naomibrockwell)

Our full interview with Julian Assange's brother was one of the most important interviews on our channel. This week we'll summarize our 1hr+ interview, and dive into all the latest in the crypto and privacy worlds.Thanks to Jebb for coming on the show!https://www.youtube.com/c/CryptoJebbWatch the FULL interview with Assange's brother here:https://youtu.be/sUGj_TIIOJUhttps://open.lbry.com/@NaomiBrockwell:4/FULL-assange-story:cBrought to you by NBTV members: Sam Ettaro, Will Sandoval, Ogar, and and Naomi BrockwellTo make a tax-deductible (in the US) donation to NBTV, visit https://www.nbtv.media/supportSign up for the free CryptoBeat newsletter here:https://cryptobeat.substack.com/Beware of scammers, I will never give you a phone number or reach out to you with investment advice. I do not give investment advice.Visit the NBTV website:https://nbtv.mediaSupport the show (https://www.patreon.com/naomibrockwell)

Ogar and I look into the fundamentals of each class and give some guidance to how to choose a hero, and how to start theorycrafting a deck. Every design has a start but are you building with confidence and efficiency? Show notes are at the website www.pubbrews.wordpress.com to follow along and research on your own. Next week we will be starting our deep dives into individual character and class types. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/jupiter-sacadura4/support

- Twitter introduces verified NFT- UK Launches major ad campaign to sway public opinion again End-to-end encryption!- Congressman Tom Emmer rips into CBDCs and says they are a tool for surveillance. Monetary Historian George Selgin provides his take- Gamestop and Loopring partnership: how true are the rumors?00:00 - intro01:47 - Twitter's New NFT Profile Pics05:16 - Russia to BAN crypto?08:20 - UK's War on Privacy11:52 - Fed explores CBDCs23:03 - Game Stop & Loopring partnership?With special guests:Will Foxley: https://twitter.com/wsfoxleyGeorge Selgin: https://twitter.com/GeorgeSelginMatt Kohrs: https://twitter.com/matt_kohrsBrought to you by NBTV members: Sam Ettaro, Will Sandoval, Ogar, and Naomi BrockwellTo make a tax-deductible (in the US) donation to NBTV, visit https://www.nbtv.media/supportSign up for the free CryptoBeat newsletter here:https://cryptobeat.substack.com/Beware of scammers, I will never give you a phone number or reach out to you with investment advice. I do not give investment advice.Visit the NBTV website:https://nbtv.mediaSupport the show (https://www.patreon.com/naomibrockwell)

Alaska Redd has been one of the 49th State's most visible artists for almost 20 years. This weekend he takes the stage with rap legends Onyx at Koot's in Anchorage.

In this episode, Kevin Ogar* and Alec Zirkenbach** discuss the evolution of the adaptive division in the CrossFit space, their role in the 2021 season, and the future of the division in the CrossFit Games.In 2021, the NOBULL CrossFit Games Open included eight adaptive athlete divisions for the first time — Men and Women's Upper Extremity, Lower Extremity, Neuromuscular, Short Stature, Intellectual, Vision, Seated Athletes (With Hip Function), and Seated Athletes (Without Hip Function). Three of those divisions — Men and Women's Upper Extremity, Lower Extremity, and Neuromuscular — competed at the CrossFit Games. “I think over the next couple of years you're going to see not just an outgrowth in the sport but an outgrowth in the adaptive community and the general population as a whole. People are going to stop being scared to be out in the world with a disability. They're going to be more outgoing, more comfortable in their own skin because they are capable and they are being told that they're capable, and I can't imagine something that can be more impactful on someone's life who's being told ‘no' their entire life than someone telling them, ‘Yes, you can, and I'll show you how.'” —Kevin Ogar*Kevin Ogar is a Level 3 CrossFit Trainer, Head Trainer on the CrossFit Seminar Staff, member of the Adaptive Training Academy, owner and head coach of CrossFit WatchTower, and a CrossFit District 4 Affiliate Rep. **Alec Zirkenbach is a U.S. Navy veteran, executive director of the Adaptive Training Academy, a Level 3 CrossFit Trainer, and a Head Trainer on the CrossFit Seminar Staff.

Matej "Ogar" Sabo je líder spoločenstva Eben Ezer a spolu vedie službu Otcovo Srdce. Vďaka sakutingu bol od detstva fascinovaný krásou, dobrodružstvom a životnými hodnotami a už tam pochopil, že ho niečo presahuje. Vďaka svojej cholerickej povahe sa ako skaut pobil v električke ale Boh postupne menil jeho povahu. V podcaste hovorí o tom, ako robil smetiara v Írsku a prečo potrebujeme mať vo svojom živote niekoľko ľudí, ktorí vidia 10%% nášho života.

On this episode, my guest is Frankie Ogar. He is a writer, director, and producer. He directed 'A Soldier's Story' 1 & 2. We talk about Nigerian representation in film, the origins of "A Soldier's Story" and next steps for the franchise. https://www.instagram.com/frankieogar/ Continue the conversation here: Follow us on Facebook, Instagram, and Twitter: @selegotfilm @thenaijafilmpod --- DONATE: https://paystack.com/pay/thenaijafilmpod/

Bohaterom kończy się czas, Ogar już dotarł do ich rzeczywistości. Czas zmierzyć się z szaleństwem i śmiercią, a przy tym rozwikłać zagadkę, kto jest kim. Jeśli chcesz wesprzeć Karczmarza, to zapraszam na Patronite: https://bit.ly/karczmarz_patronite! Oby nam się!

Bohaterom kończy się czas, Ogar już dotarł do ich rzeczywistości. Czas zmierzyć się z szaleństwem i śmiercią, a przy tym rozwikłać zagadkę, kto jest kim. Jeśli chcesz wesprzeć Karczmarza, to zapraszam na Patronite: https://bit.ly/karczmarz_patronite! Oby nam się!

Credit cards are a notoriously insecure means of payment and credit card fraud is one of the most common types of identity theft in the US. We give out our credit card number constantly without even thinking about it, and with it our name and home address. Enter Virtual Credit Cards: they're like a VPN for your credit card. No more revealing private information to every stranger from whom you want to make a purchase. No more handing out the keys to the kingdom that allow anyone to draw money from your account.Crypto is my preferred means of payment because you retain sovereignty over your money, you can have much better financial privacy, and you can save a bunch of money if you use services like Purse.io, Bitrefill, and Dash Direct.BUT...Some people are not yet ready to take the plunge completely into crypto. So if you enjoy the world of recurring payments and credit card purchases but are looking for a more private option, VIRTUAL credit cards may be for you!In this video, Josh Summers from “All Things Secured” explains how virtual credit cards work and why they're great for giving back some privacy and control over your money.00:00 - Intro 00:55 - What are Virtual Credit Cards01:18 - Increased Privacy02:22 - Prevent Credit Card Fraud04:53 - Manage Subscriptions05:49 - CaveatsYou can check out Josh's channel here for more awesome tips on privacy! Thanks for joining us, Josh!!https://www.youtube.com/c/AllThingsSecuredBrought to you by NBTV members: Lee Rennie, Will Sandoval, Emily Kotow, Ogar, and Naomi BrockwellTo make a tax-deductible (in the US) donation to my channel, visit https://www.nbtv.media/supportSign up for the free cryptobeat newsletter here:https://cryptobeat.substack.com/Beware of scammers, I will never give you a phone number or reach out to you with investment advice. I do not give investment advice.Visit the NBTV website:https://nbtv.mediaSupport the show (https://www.patreon.com/naomibrockwell)

Credit cards are a notoriously insecure means of payment and credit card fraud is one of the most common types of identity theft in the US. We give out our credit card number constantly without even thinking about it, and with it our name and home address. Enter Virtual Credit Cards: they're like a VPN for your credit card. No more revealing private information to every stranger from whom you want to make a purchase. No more handing out the keys to the kingdom that allow anyone to draw money from your account. Crypto is my preferred means of payment because you retain sovereignty over your money, you can have much better financial privacy, and you can save a bunch of money if you use services like Purse.io, Bitrefill, and Dash Direct. BUT... Some people are not yet ready to take the plunge completely into crypto. So if you enjoy the world of recurring payments and credit card purchases but are looking for a more private option, VIRTUAL credit cards may be for you! In this video, Josh Summers from “All Things Secured” explains how virtual credit cards work and why they're great for giving back some privacy and control over your money. 00:00 - Intro 00:55 - What are Virtual Credit Cards 01:18 - Increased Privacy 02:22 - Prevent Credit Card Fraud 04:53 - Manage Subscriptions 05:49 - Caveats 07:55 - Lessons to Live By You can check out Josh's channel here for more awesome tips on privacy! Thanks for joining us, Josh!! https://www.youtube.com/c/AllThingsSecured Brought to you by NBTV members: Lee Rennie, Will Sandoval, Emily Kotow, Ogar, and Naomi Brockwell To make a tax-deductible (in the US) donation to my channel, visit https://www.nbtv.media/support Sign up for the free cryptobeat newsletter here: https://cryptobeat.substack.com/ Beware of scammers, I will never give you a phone number or reach out to you with investment advice. I do not give investment advice. Visit the NBTV website: https://nbtv.media

Dans cet épisode nous parlons de l'actu des NFT marquée par la prédominance de la plateforme OPENSEA qui voit transiter plus de 80% des NFT vendus à travers le monde. Nous reparlons du groupe FACEBOOK qui va lancer sa cryptomonnaie, son wallet et ses NFT sur tous ses réseaux sociaux, une vraie démocratisation pour ses 3 milliards d'utilisateurs. Nous recevons notre invité de la semaine, Alexandre Ogar, architecte et designers de bâtiments virtuels pour les metavers les plus populaires comme Somnium, Cryptovoxel, The Sandbox et Decentraland. Il reçoit des commandes de la part de galeries d'art, de sociétés de gaming, de boites d'événementiel ou d'acteurs majeurs dans les NFT pour bâtir un espace virtuel dans ces univers virtuels connectés à la Blockchain que sont les métavers. Son expérience est fascinante car il est au cœur de cette nouvelle société digitale qui vient à grand pas. Hébergé par Acast. Visitez acast.com/privacy pour plus d'informations.

Jedno z kľúčových vyučovaní z tohtoročnej duchovnej obnovy našej komunity (Kláštorovica). To ako prežívame život závisí viac od stavu nášho srdca ako od okolností v ktorých sa nachádzame. Naše srdcia sú miestom Stretnutia s Bohom. Ogar nás pozval žiť naše životy zvnútra von, z hĺbky, nie plytko a povrchne. Toto si vyžaduje našu ochotu zostupovať do údolí srdca, kde sa stretávame s vlastnou krehkosťou a slabosťou ale nachádzame aj múdrosť a vzácne veci, ktoré do nás Otec vložil.

On this episode of THE MOVIES...we hang with visionary director FRANKIE OGAR, the man behind the award winning blockbusters A Soldier's Story (2015) and it's highly sort after sequel A Soldier's Story: Returned from the Dead. Also his backstory, Nollywood growth, possible graphic novel, favorite comic-book, movies and influential directors like Quentin Tarantino, Gay Ritchie and Joe Carnahan..ans so much more. Listen to be part of that experience and Tune in Every Thursday for the live show on Cool Fm Abuja at 3PM You can always Listen Live on www.coolfm.ng On Twitter @popcornandeels If you missed it then here is a perfect opportunity to catch up on all the fun and excitement. Also check out our YouTube channel for all the video gist and news stuff.

Michael Dalton has had a hand in all your favourite CrossFit films from Redeemed and Dominant, The Fittest, Fittest on Earth 2015, Froning to Ogar and whatever the 2020 doc will be titled. We chat about all of this along with coaching and owning an affiliate and Max Effort Reviews.Support the show (https://www.patreon.com/coffeepodsnwods)

In 2014, Kevin Ogar dropped a barbell that would change his life forever. The barbell bounced back off the platform and ricocheted into his spine, paralyzing him from the waist down.Since then, Ogar has become a role model and pioneer in the adaptive athlete field. He currently serves on the CrossFit Level 1 seminar staff as well as the Adaptive Athlete Training Academy. He is also the proud owner of CrossFit WatchTower.Sit down with Kevin and host Bryce Smith as they discuss Kevin's journey to where he is now.Learn more about Invictus and download a full day of sample programming here: https://bit.ly/2USdOQ3

In this week's episode, Jerry and James discuss quite possibly the most popular MMO ever, World of Warcraft. They give you a breakdown of the series and some fun facts you might not know. Lok'tar Ogar! For the Alliance! --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/nerdomandknowledge/support

Hooser, Ogar, and Josh hang out with Valiant's own Matthew Klein to talk up the publisher and more on Get Valiant Episode #153.

On Today's episode we have the incredible Mr. Charles Ogar AKA Mr NeoKiz. Who is a full-time, professional and international Kizomba instructor/ Afro Latin Dance Instructor / CEO of Neo Kizomba / Entreprenuer and Podcast Host. Born and raised in TX. In this episode we talk about: - His Childhood in Texas. - His Band Years (Flute, Piano, Alto Saxophone) - How he got introduced to dancing (Salsa/Bachata/Kizomba) - His new Dance Partner - His future endeavors. - Becoming a full time instructor. - Starving Artist vs thriving Artist. https://www.facebook.com/ogarocious http://neokizomba.com/ https://www.instagram.com/mr.neokiz/ _______________________   Twitter: @Tw0LeftFeet Instagram: tw0_left_feet Website: https://2leftfeet.blog/ Facebook: https://www.facebook.com/groups/2171874589599779/ Reddit: https://www.reddit.com/r/TwoLeftFeetPodcast/ iTunes: https://itunes.apple.com/us/podcast/two-left-feet-podcast/id1454425997 Spotify: https://open.spotify.com/show/5bQSnwKDmHbDQdgnZ0OrC3 Patreon: https://www.patreon.com/Twoleftfeet https://www.youtube.com/channel/UCR109vJ4Pbl146Ok1u5vSuA https://anchor.fm/twoleftfeetpodcast

In today's episode, we talk to Charles Ogar of NeoKizomba Productions. I first met Charles over 6 years ago. He was one of the first to start teaching kizomba (His style of dance was later renamed to urbankiz.)in the US. This is the dance  that virtually took over [...] The post Charles Ogar: On Pursuing Dance Passion and Becoming a Fulltime Dancepreneur appeared first on Teevee Aguirre.

Flash, bam, alakazam, Out of an orange colored sky

Cornel Ogar is a Multi-Instrumentalist, Prolific Songwriter, Producer, Singer, Vocal Trainer, Actor, and Model. He has won various singing competitions over the span of fifteen years. The notable one was Star Quest; a reality TV show sponsored by Nigerian Breweries Plc which was held in 2006. He led the band D'accord to win the contest. This gave him the opportunity to perform on the same stage with' A' list Artistes like 9ice, Tu Face Idibia, Psquare, Kcee, Banky W just to mention a few. He also performed with international acts like ll Cool J, Akon, Kanye West, T Pain, Nelly, and Ludacris. in 2016 finished the top 4 at the maiden edition of the International singing competition called The Voice Nigeria. This competition had the legendary Tu Baba, Timi Dakolo, Waje and Patoranking as coaches. He released his debut single 'Smile Again' in December 2016. He performed at The Future Awards 2016, AMMA Awards 2017, and Nollywood Health Summit 2017 amongst others. Below is the summary of the Interview Audition! Sing! Win! with Cornel Ogar He recalled that he had discovered his gift in music at a young age of nine and had been planning his music career ever since. He agreed that he had faced resistance from his Father during the early stage of his music career. He recalled his many failed attempts in writing JAMB until he finally got in after he sat for the Music option. He started out with the classical genre of music, then to R & B until now where he sings at his church choir, he has been doing Gospel so far. He shared some of the challenging moments in his music career; failed record deals as well as poor attendance during organized music rehearsals. He said that in spite of the challenges which he said has helped him so far in his career, he still continues to learn. He motioned on up and coming musicians to never give up but instead hold onto the belief that things will work out. He recalled his stint with musical instruments starting out with drums, the bass guitar and moving to play the piano. To this, he said that it was important for any good musician to have good knowledge of playing certain musical instruments as it will guide them in creating good music. After every Music Competition, he said that it was common for him to go back and restrategize so as to do better in subsequent ones. In preparing for auditions he listed out that first one needed to be physically ready taking cognizance of their eating habits and appearance. He went on to talk about the need to understand the songs one would be performing so as to bring out their best voice. He also stressed on the need to understand one's voice texture and pitch. He said that one also needed to be ready psychologically; having a positive state of mind and seek spiritual guidance. In his final words, he advised up and coming musicians to work towards finding their voice, maximizing their potentials and to keep believing that everything will work out.

W dzisiejszym odcinku mówię o swoim nowym nabytku - chińsko-polskim Ogarze Legend Rometa. Mareł Poranny to segment w którym zrzucam swoje myśli na temat różnych rzeczy bez przeszkadzających mi rozmówców che che

Our guest on the show Promise Ogar talks about why people cheat in relationship

Sammy Warm Hands and guest Ogar Burl provide commentary for Sammy's new double album, Figures of Speech!

For videos, audios, and all things CtR, join us online at http://converttoraid.com Pat Krane, Thyst (Lagging Balls) and John Horstmann (Overwatch League Daily) join the crew this week to talk about WoW and more! 18:42 - A discussion on the Continuing Story of WoW: Old Soldier cinematic, Elegy, and A Good War (novellas), and the Battle for Lordaeron (in-game) 1:01:30 - CTR Podcast Timewalking: BOOMkin! (song) 1:05:30 - Hearthstone: Boomsday Project is LIVE! 1:10:45 - Battlenet SPORTS Talk: Overwatch Contenders, Summer Games, GSL vs. the World (StarCraft II) 1:19:30 - Outro Follow us on Twitter at http://twitter.com/converttoraid or individually: Pat Krane - http://twitter.com/PatKrane Thyst - http://twitter.com/Thyst03 John Horstmann - http://twitter.com/kickedtripod

In the blink of an eye, Kevin Ogar went from completing what should have been an ordinary snatch — 235 pounds, light for his one-rep max of 300 — to death’s door, paralyzed from the waist down. Small things matter. A lifting platform that tilted slightly backward, a barely noticeable heel slip, a small backward-forward movement to regain balance, microseconds at best, all combined in an instant. Ogar bailed on the lift. The barbell went out of control behind him, bouncing off the back of his left shoulder, into a stack of 45-pound weight plates, and then the bar came whipping back, crushing part of his thoracic spine. -From the Team USA article  -------------- I first learned about Kevin when news of the 2014 event hit. I finally met him at the CrossFit Games a couple years later and he asked me to come to Denver to conduct a seminar at his CrossFit Box. Kevin's relationship with fear and fear management is unique, to say the least. His mental toughness has created a compassion and passion that makes him an incredibly motivating and effective coach. It's hard to slack when your coach is Kevin Ogar. -Coach Blauer "OGAR: Will of Steel" by CrossFit

Four years after his tragic accident, Kevin Ogar continues to be an inspiration. He is a successful affiliate owner, Level 1 Seminar Staff member, and vice president of the Reveille Project, a nonprofit that uses fitness, nutrition and community to support post-active-duty veterans with mood disorders. On today’s show, Ogar reflects on the accident, training for USA Para Powerlifting, and what it’s like to live as a paraplegic. Notable mention: Sevan Matossian, Kevin Ogar, Matt Bischel, Eric Maciel, Ogar: Will of Steel, Carey Peterson, Jay Vera, Megan Combies, Chris Stoutenburg, Wheel WOD, Zack Ruhl, Joshua Rucker, Dr. Bob Spears, Barbells for Boobs, Mat Fraser, Tyler Lasley, CrossFit Fringe, Matthew Bickel, CrossFit Specialty Course: Adaptive Training, Craig Hospital, Megan John, Johnathan Haynes, Zionna Hanson, Alec Zirkenbach, Logan Aldridge, Zach Forrest, Ben Smith, Brooke Ence, Brooke Wells.

PowerCast episode originally released Aug 8, 2017. When you hear the name “Kevin Ogar” a lot of you are probably thinking, “He’s the guy who got paralyzed doing CrossFit.” That’s not the whole picture, and it’s not even right story. If you’ve seen the video that so many people have seen, well, that doesn’t really tell the whole story either. In January of 2014, Kevin Ogar was injured in a freak accident while bailing on a snatch during the OC Throwdown. The event wasn’t even a CrossFit event, and the snatch that was not even close to his max. Kevin gives us his full story, and describes his life both before and after the accident that paralyzed him by severing his spinal cord between the T11 and T12 vertebrae. Kevin’s positive attitude and ability not to take himself or his permanent disability too seriously will make a big impression on you. This is one of my favorite episodes of the year. Mark Bell and Jim McDonald host. @thejimmcd PowerCast theme by Aaron Moore  PowerCast logo by Joseph Manzo.  Audio and Video produced by Jim McDonald

The gang returns to say good bye to a princess and talk the latest from the world of geek pop culture with special guest Noelle Lines. Check out http://www.houseofgozer.com for shows and info. Join the House of Gozer on Fan Community on Facebook http://www.facebook.com/houseofgozer  Follow the gang on Twitter @HOG_PODCAST Wanna drop us a line send us a message @ hogpodcast@gmail.com

  This week we talk to the Sadistic Coach himself, Founder of CrossFit Harlem, Creator of the AfroBrutality Brand and disruptor extraordinaire Syn Martinez. Syn talked with us about his journey from fat to fierce-as-fuck, the origin story of CrossFit Harlem, what it’s like building your own personal team of X-men and so much more! That’s not a cheesy marketing phrase, we talked about A LOT OF STUFF, this clocks in at our longest podcast to date and was so full of info we almost broke it into two episodes.  But “to be continued” episodes have always been lame so we crammed in every last minute (we’re talking to you PUNKY BREWSTER). We talked about why abs are bullshit, the good and bad of Paleo, big weight versus endurance, the value of gymnastics in early life, creating a brand while building a community and being who you are. Learn why AfroBrutality has such impact on it’s fans and why trying to please everyone is a weak option. Why pissing some people off can be a good thing. And why if you’re true to your voice, your audience will find you.

This week on Barbell Shrugged we are honored to be joined by Kevin Ogar. Just in case you aren’t aware, Kevin became well-known after fracturing his spine at a competition in January 2014.     It’s only been six months since that devastating, notorious injury, but Kevin seems remarkably recovered, at least spiritually and emotionally. You should have seen him smile wide when he was telling us about the bright white Stacie Tovar shorts he was wearing underneath his pants. “Yeah, I’m actually wearing them underneath here. I heard she was going to be over at the Barbells for Boobs tent…I thought I would challenge her to a booty-shortshowdown.”   That group has been so supportive and caring for Kevin and his family these past few months, causing a bit of a stir at their Crossfit Games tent would be the least he could do in return. Also, it would just be a good time. That’s one of the lesson’s that Kevin has taken away from the injury. “Now that I’m in a wheelchair I really like to push the limits of what I can get away with.”   It’s hard not to love that attitude. I must admit, I’m not sure I could keep that perspective, especially after such a freak accident. That’s really all it was, a freak thing on an otherwise routine set of snatches. An off catch with a modest load. A dumped repetition that changed a life forever. The question has been begged over and over by now, “Is Crossfit dangerous?” But Kevin flatly denies that. It was more about the angle, the odd timing, the one in a million shot that did the breaking. In truth, he’s one of the rarest of patients. Most injuries of this sort are attributed to skiing accidents, vehicle crashes, and other sorts of routine activities where the risk is more widely known and accepted. But this is different. In fact, it’s hard to identify another case like Kevin’s at all. The injury was anything but an inevitability.   Our conversation started to turn visceral and raw when Kevin began to describe how the injury felt. At the moment of fracture his nervous system went into extreme shock and alarm. His whole body burned with pain and sharp electricity. I just sat there as he spoke, quivering a bit, growing more and more queasy by the second. I couldn’t imagine the feeling, and I couldn't respect the guy more for what he has endured.    Eight Dilaudid fueled, motionless days followed the injury. At first the doctors didn’t want to lose Kevin to shock and blood loss. Next up was the intense spinal surgery that would place his back into alignment. The approach was from the side. The ribs were split and dislocated. His organs had to be removed and his entire core reassembled. “That surgery has a 35% survival rate.” That only made the weight of this injury all the more heavy. I could hardly stand the thought.    Despite the dangers and risks, Kevin couldn’t have had a better surgical outcome. Still, he know’s he has a battle ahead. “They say the chances of me walking again all on my own are less than 1%, but I’m the king of small percentages. I'm 3% of the world's population as a Ginger 3%. I have blue eyes, which means I’m 1% of that population…So, I like small numbers.”  Kevin began his rehab by facing his first big physical challenge, getting upright in a wheel-chair. “I know it sounds easy, but it’s so hard. It feels like you’re sitting on top of a balance ball, only imagine if your leg’s didn’t work.” Still, he did it, and he’s still at work. What remains of his core musculature has begun to adapt. His nervous system is reinervating and adjusting in astonishing ways. Hell, the guy still manages to have a six-pack, despite the damage.    No, there are no guarantee’s here for the recovery effort, but there’s cause for optimism. Who know’s what technology will come in the coming years. For paraplegics and spinal cord patients who are able to keep their bodies strong and fit, anything could be possible. If you can remain resilient, tough, and hard to kill, then you should feel optimistic. Kevin’s got that written all over his face. His happiness and positive outlook are true.    Kevin is training as hard now as he ever has, but the goals and outlook have obviously changed immensely. It’s no longer about maximizing strength and fitness, it’s more about not sucking so bad at life in general. It’s about attacking weaknesses, which now include showering, going to the bathroom, and getting back up into his chair after a fall. Sled pulling, prowler pushing, dumbbell work, gymnastic drills, it all has a place in his regimen.    That’s where the biggest lesson of Kevin’s story shines through, I think. Progress on the small things is incredibly rewarding. Consider going back and working on the basics. It might be your posture, your foot position, your timing, whatever. Remastering it will be one of the most rewarding things you can do. If you get injured, do not stop. There’s always something you can still do. So do it! Something is better than nothing, always. And who know’s, this enforced change might just be the best thing for you. For once, you might be forced into doing something new, something necessary. You’ll have to develop and utilize new tools. That’s always a good thing.    I don’t think there’s a limit to what Kevin can achieve. He might walk again, I hope. But he’s definitely not going anywhere. He will keep finding new ways to train and compete as an adaptive Crossfit athlete. He’ll keep working to share the message of fitness with other patients, bringing the support and community that have made such a difference in his life since January.    Revelry, revelry, you have our full support, Kevin. There’s no limit to what you will achieve.    To learn more about the cause and support Kevin’s efforts, make sure to check out KevinOgar.com. You can also follow him on Instagram and Facebook in order to stay up to date on all the latest developments.    Thanks, Kevin. It was truly an honor to meet and chat with you.      Chris

This week on the show...We're handing and chatting about... - The story of Crossfit's first openly transgender competitor. Fascinating stuff.  - Kevin Ogar speaks about his recovery. I dare you to not be moved.  - Quick, useful tips for acting swiftly, limiting noise, breaking the rules, and knowing when to put yourself on death ground. - Story time: Pep talk I hope you dig it. 

Lok'tar Ogar! Dru! Tremab! Dranosh! Hmmmm... Pussy! Throm-Ka Ouvintes! Este episódio do The Dark One Podtrash conta com Bruno Gunter "Gunfree", Carlos Kleber "Manso", Douglas Fricke "o Exumador", Demétrius Santos "o Anjo Negro" e Almighty "o Profissional de Bermuda" executando a resenha do filme independente Orcs! de 2011. Então aumentem o som no iPod de vocês e vamos para a caça! Comentado nos Emails TELA NEGRA: O CINEMA DO BLAXPLOITATION 01 a 13 de novembro de 2011 no CCBB Rio de Janeiro 03 a 13 de novembro de 2011 no CCBB São Paulo 18 a 24 de novembro de 2011 no CineSesc São Paulo Extras deste Podtrash Ficha IMDb do Orcs! Trailer do Troll (1986) Trailer do Troll 2 (1990) Trailer do Trollhunter Seriado my Name is Earl Power Ranger Negro excluído Batalha de Helm's Deep Locações do Senhor dos Anéis Traficantes fugindo do Complexo do Alemão Roll a D6 Digam: Tim Hunter ou Harry Potter? Sorteio da Camisa autografada pelo Francisco Brêtas: Basta seguir nosso perfil no Twitter @podtrash para participar. O sorteado será anunciado no Podtrash #60. Contato e links do Podtrash podtrash@td1p.com @podtrash Podtrash no Facebook YouTube Média TD1P: 3 Duração deste Episódio: 70:55