Podcasts about opportunities

Sometimes, our relationships can hold us back from making crucial changes in our lives. We don't want to outgrow them, so we end up sabotaging ourselves: whether it be through food, drugs, alcohol, reckless behavior, and the like.  My name is Dr. Debi Silber, and welcome to another exciting episode of A Dose of Dr. Debi. Today, I'll be discussing how you can stay connected with people who make you feel safe and comfortable while achieving personal growth and development.     In This Episode  Find out how sabotaging yourself begins Recognize self-sabotage and how it manifests  Learn how to make changes that help you move forward   Transcription Hi there, Dr. Debi here. Welcome to another Dose of Dr Debi. Today I want to talk about sabotage and I want to talk about a specific way we sabotage ourselves. This is something I see all the time. I see our members within The PBT Institute do it. I see friends do it. I see family members do it and I've done it myself. And I want to bring it up because if you know what you're doing here, you can you can make some changes that'll really help move you forward instead of keeping you stuck-it's all about moving forward instead of keeping you stuck.  So, I did two TEDx talks. The first one was about sabotage: Stop Sabotaging Yourself, and I remember seeing this so often with a lot of clients back then, and it really got me thinking about how we sabotage ourselves to prevent outgrowing a certain relationship, whether it's with a partner, with friends, with relatives with whatever. It happens so often so I want to talk about it to see if you're doing this because if you are, I want you to know about it so then you can make some changes.  What happens is, there comes a time where what used to work doesn't work anymore. What used to fit doesn't fit anymore. What used to make sense doesn't make sense anymore. It's like that little tap on the shoulder we get. It's like, “Hey, time to make some changes.” And here's where we use things like food, drugs, alcohol, work, tv, keeping busy, reckless behavior to numb, avoid and distract ourselves from that voice, from that noise. Why? We don't like change. We have it all figured out. And if all of a sudden we address that we fear, well that's going to, invite all of these questions, all these questions will invite all this change all this change will shake up everything that I've figured out already. So, we'd rather not.  Instead, what we do is, we use those things to numb avoid distract yourself. It's really funny, it's almost like (now I'm totally dating myself), but remember when you were a little kid if you're 50 and above, I guess, I don't even know maybe young people still do this, who knows. But, when I was little, if someone said something I didn't want to hear, you know, you stick your fingers in your ear and you're like; “La, la, la, I don't hear you. Well, when we use food, drugs, alcohol, work tv keeping busy, reckless behavior, that's the adult version of that same game. But, you can't very likely go into your boss's office and he or she is asking you to do something you stick your fingers in your ear, and say; “La, la, la I don't hear you.” It really may not be the most mature thing, if you do that with your friends or your partner. So what we do is, we sort of stuff it, and we just handle it.  But then there comes a time where the voice gets louder and louder. So the stakes get bigger and bigger. So if it used to take one glass of wine, now it's taking two. If it used to take a few cookies, you're eating a whole sleeve of cookies. If it used to take one show, now you're binge watching the whole series, One shopping spree, now it's double the price, whatever it is for you. And the stakes, the stakes get bigger and bigger and bigger until and unless you do something about it. Then there's that moment where you realize, “Okay, it's time to grow, it's time to change.” What does that look like, what does that feel like? Now you're on this path, and you're exploring and you're doing new things. It's like a kid in a candy store, If you remember the first time you ventured into the personal development world or the world of spirituality or something that- it was just so new and interesting for you.  You just took to it and you just kept going and going and growing and growing. But what happens is, the people around you may not. And then you're in sort of a little bit of an odd predicament here because they haven't changed. It's not them, it's you. You're changing, we can even see this, we even see this with changes in your eating habits here you were you had your food buddy, and you and your food buddy we're having nachos and margaritas and all of a sudden you're on this healthy eating plan.  Well, two things going on with your food buddy now. They're worried, they're afraid. First of all, now they have to look at what they may or may not be doing right or may or may not be willing to do. And there's this little fear of abandonment- if you're off in this new direction where does that leave them? So there is a lot going on, but what happens is were off in this new direction and it feels good.  So for those of you who are watching we're going to explain what I'm doing with my hands. Those of you who have seen lots of my talks you've seen this over and over. So here we are, and then all of a sudden we rise (and I'm raising my hand) , both hands were level, and now I'm raising one hand so we are improving physically, mentally, emotionally, psychologically spiritually, but the other person is right here, and we don't want to outgrow them. We fear; “Oh, where are my people, where are my friends, where are my partners, were my coworkers? So do you know what we do? We sabotage ourselves, (and what I did was I brought my hand right down.) And so we sabotage ourselves but you know what, we like it up here (and I raised my hand up again.) This feels good. This feels like where we want to be, but all of our people haven't changed, it's us, so we keep sabotaging ourselves so that we don't outgrow them.  But you know what happens as we go? (and I'm moving my arm up again my hand up again.) Now we're like, Well why don't they do this? (I'm raising my other hand.) Well, because that's not what they're ready for just as before you are ready you weren't ready for it. So inevitably, what happens is we do this, (I'm raising up that arm,) and the other people is here. And then we sort of get this weird dynamic where we're like; “Oh, I don't seem to resonate with you anymore” and they're looking at you like; “What the heck happened to you?”  So, what we really need to do and the way that it prevents this sabotage, (because we don't want to be alone here), we don't want to outgrow our tribe, our group, our community, whoever we've felt so comfortable and safe with. So, instead of sabotaging ourselves so that we don't outgrow them what I have found in my 30 plus years of coaching is one of the simplest ways to manage this.  You continue to do the work, don't let anything stop you, but here's what you need to do, so that you don't fear outgrowing these people. Your goal, as well as doing the work is you need to find people at this new like-minded level you're seeking. So whether that's in certain groups, certain mastermind groups, people who read the same books, that have the same hobbies, have the same interest, whatever it is, it doesn't even make a difference. The idea is, if you seek out those people as you're doing that work, and then you meet up with these new people, you don't fear the; “I don't have anybody, I feel, only a loss.” What then happens is you continue to do the work, you now are part of a group, and a community, and like-minded people that get you, that understand this unique language you speak. For example, I have an online business, and that is a completely different language for a lot of other people. So having like-minded people who understand that it's a different it's a different conversation. But what happens is when you take care of that up here, you don't fear the growth. You also take the pressure off the people here, so you can love and appreciate them for who they are and where they are. You can love when you see them and connect the way you did before. If that still resonates if not that's, that's okay too. But because you're not alone in the stratosphere here with your new ideas and new thoughts and your new everything, it's not as scary and it takes the pressure off of who you feared, leaving behind here.  For example let's take that food buddy, so here you are here was your food, buddy. You were meeting every week and, and, doing your thing, and now all of a sudden you're exploring healthy eating and this and that and you are loving it, you're learning about all these new things and meeting up with all these new people who share the same ideas about food and community. You join all these groups about healthy eating this and that, and you love it. Well you know what? Now that you have this group and it's satisfying that need, when you see this person who still was your previous food buddy, of course you want them to join you, but you don't feel the pressure that I have to sabotage myself in order to stay connected with this person. You can love and appreciate them for who they are and where they are. Now that's not to say if at some point along their journey when they're ready, when they're willing when they're able, they won't do the same thing, but that's completely on their terms.  I just found that we do sabotage ourselves so often, because we worry oh I'm going to make all these changes and what happens to that connection. Well, when we take care to make new connections, we're not just sort of headed off in this new direction without a clue of where we're headed, and at the same time, it takes pressure off of the connections that we had. Now it's a bit different when we're talking about a romantic relationship because that's a whole different story and maybe I'll do a whole other topic on what happens when you are doing the work, to heal or just to grow physically, mentally, emotionally, psychologically, spiritually and that person is stuck right here that's step one. That's step one. And it depends on what the need is here, is it just that you love and appreciate this person for where they are but they don't have similar interests, so you find people here, where you can? Let's say, explore new interests, that don't damage the relationship or whatever it is?  That's a whole very different experience, but something that we can take on for another day.  What I wanted to be sure I shared was it when you have that group, when you seek out these people, these like-minded soul warriors- whatever you want to call them, you don't fear the growth as much, because you have your people, it takes pressure off of the old group, and you don't feel so alone.  So I hope that I hope that helps. Out of the two TEDx talks I did, this would be more aligned with that first one what we just talked about Stop Sabotaging Yourself so if it serves, definitely watch that watch that TEDx talk.  If you haven't taken the healed or hardened quiz, you're going to want to do that because we will show you which force of nature you are, you'll know exactly out of the five Stages from betrayal to breakthrough which also resonate to just an old set of lingering beliefs that no longer serves other types of traumas, it really works for a lot of them. Take the quiz and you're going to see where you land. And of course, share the podcast with anybody who would benefit from this information so healed or harden quiz, go take the quiz and stop sabotaging yourself. I'll see you next time. Bye.   Resources Mentioned PBT Podcasts Healed or Hardened Quiz TEDx talks Stop Sabotaging Yourself Post Betrayal Syndrome Quiz PBT Institute Membership Community Trust Again: Overcoming Betrayal and Regaining Health, Confidence and Happiness Trust Again Free Gift healedorhardenedquiz.com 

Following a 36-year career as a public-school teacher, Dena is continuing her love for education as a humanitarian educator, running a non-profit organization she founded 18 years ago. The Dream School foundation supports public education in Nigeria with infrastructure and resources to teach and learn. We discuss: Opportunities are often unexpected [02:13] Taking a chance on a career transition [05:18] How to be efficient when working for your mom [08:20] How to do good work in a damaged system [10:46] Feeling like Ben Franklin in Nigeria [12:30] Depth before breadth [16:09] The perseverance to stay where you're needed most [18:27] Walking off into the sunset [19:55] Learn more about Dena at http://www.dreamschoolfoundation.org/ (www.dreamschoolfoundation.org), https://www.facebook.com/nigeriadreamschoolfoundation/ (Facebook) and https://www.instagram.com/dreamschool_foundation/ (Instagram).

IN THIS EPISODE, YOU'LL LEARN:00:01:12 - The 4 pillars of inflation.00:31:16 - Opportunities in Gold, Silver, and Palladium.00:51:54 - The risks of deglobalization especially from China.And a whole lot more!*Disclaimer: Slight timestamp discrepancies may occur due to podcast platform differences.BOOKS AND RESOURCES:Crescat Capital's Website.Tavi Costa's Twitter.Trey Lockerbie's Twitter.Preston, Trey, & Stig's tool for picking stock winners and managing our portfolios: TIP Finance Tool.Read the 9 Key Steps to Effective Personal Financial Management.Get three months free when you protect yourself with ExpressVPN, the VPN we trust to keep us private online.Transform how you drive business results and connect with customers with Snap AR.Find people with the right experience and invite them to apply to your job. Try ZipRecruiter for FREE today.Communicate your ideas in the best way possible with Canva.Invest in high-quality, cash-flowing real estate without all of the hassles with PassiveInvesting.Push your team to do their best work with Monday.com Work OS. Start your free two-week trial today.Trade confidently with BMO adviceDirect. Start trading today with personalized advice with a minimum of just $10,000.Track performance, create custom watch lists, and trade from anywhere with confidence with a BMO InvestorLine Self-Directed account.Get 20% off on Simplisafe's newest Wireless Outdoor Security system and get the first month of monitoring service for FREE when you enroll in Interactive Monitoring.Start investing in cryptocurrency today with as little as $10. Just go to altoira.com/study.Learn more about how you can get started investing in some of the best cash flow markets today with Rent to Retirement.Browse through all our episodes (complete with transcripts) here.Support our free podcast by supporting our sponsors.HELP US OUT!Help us reach new listeners by leaving us a rating and review on Apple Podcasts! It takes less than 30 seconds, and really helps our show grow, which allows us to bring on even better guests for you all! Thank you – we really appreciate it!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Andrew Crapuchettes is a serial entrepreneur who saw a need and filled it with his job board Red Balloon. Tune in to hear how you can utilize it to find talent or share it with job seekers you know! Andrew is the visionary behind RedBalloon. Mr. Crapuchettes has worked in the high-tech industry for over twenty years. He began his career in Silicon Valley, building business process automation and selling 3D modeling software. In 2001, Mr. Crapuchettes became a founding member and later CEO of Emsi, which he transformed from a little-known consulting company of three employees to an international economic data firm with over 250 employees worldwide. This program is underwritten by the Alliance for Shared Health. Check out how you can cut your health insurance premiums by 40-60% by joining a health sharing alliance. ASH is that option!! Learn more... (http://www.ashcommunity.org/Stacy-on-the-right/) Download our latest PDF Guide at: GUIDE: Talking to your high schoolers about politics!! (https://familyvisionmedia.org/guide) Thank you for listening!! We are live Monday through Friday from 9p to midnight eastern on SiriusXM the Patriot channel 125!!! Donate to support the show here: paypal.me/stacyontheright Or join our Patreon: patreon.com/stacyontheright Thanks and God Bless ya!! -- Encouragement-- Create in me a clean heart o Lord, and renew a steadfast spirit within me. Psalm 51:10 -- Stacy's Stash! -- For links to the articles and material referenced in this week's episode check out this week's page from our podcast dashboard! -- Get More Stacy -- Stacy's Blog (http://www.stacyontheright.com) Watch the show live, download previous episodes, and more Stacy! Contact Stacy

Andrew Crapuchettes is a serial entrepreneur who saw a need and filled it with his job board Red Balloon. Tune in to hear how you can utilize it to find talent or share it with job seekers you know! Andrew is the visionary behind RedBalloon. Mr. Crapuchettes has worked in the high-tech industry for over twenty years. He began his career in Silicon Valley, building business process automation and selling 3D modeling software. In 2001, Mr. Crapuchettes became a founding member and later CEO of Emsi, which he transformed from a little-known consulting company of three employees to an international economic data firm with over 250 employees worldwide. This program is underwritten by the Alliance for Shared Health. Check out how you can cut your health insurance premiums by 40-60% by joining a health sharing alliance. ASH is that option!! Learn more... (http://www.ashcommunity.org/Stacy-on-the-right/) Download our latest PDF Guide at: GUIDE: Talking to your high schoolers about politics!! (https://familyvisionmedia.org/guide) Thank you for listening!! We are live Monday through Friday from 9p to midnight eastern on SiriusXM the Patriot channel 125!!! Donate to support the show here: paypal.me/stacyontheright Or join our Patreon: patreon.com/stacyontheright Thanks and God Bless ya!! -- Encouragement-- Create in me a clean heart o Lord, and renew a steadfast spirit within me. Psalm 51:10 -- Stacy's Stash! -- For links to the articles and material referenced in this week's episode check out this week's page from our podcast dashboard! -- Get More Stacy -- Stacy's Blog (http://www.stacyontheright.com) Watch the show live, download previous episodes, and more Stacy! Contact Stacy

Robots, technology, jobs and the economy. Add in a global pandemic. It means big changes in the workforce. But just because a job can be automated, doesn't mean it should be. And what are the most robot-proof jobs? David Brancaccio, host of the Marketplace Morning Report, sat down with Colorado Matters host Avery Lill recently at Denver Startup Week.

Your story matters. Share it.Want more The On Purpose Podcast?Find us on patreon at: https://www.patreon.com/theonpurposepodcastFor full episodes and more: https://www.theonpurposepodcast.comIG: https://www.instagram.com/theonpurposepodcast/FB: https://www.facebook.com/OnPurposePodcastOfficialFind Us on iTunes: https://podcasts.apple.com/us/podcast/the-on-purpose-podcast/id1470553784?uo=4And Spotify! https://open.spotify.com/show/0ADfRPEvmF4wXHrJVrqngI?si=iVpeWLl9RjuSLR67DgeVrwWant to connect with Jerrod?Linkedin: https://www.linkedin.com/in/lawenforcement-lifestyle-writer/IG : https://www.instagram.com/jerrodh/Get My Book! https://www.amazon.com/Extraordinary-People-Ordinary-Places-Jerrod/dp/1712245694Want to know more about Ali or argue with him? FB: https://www.facebook.com/ali.abouzalamIG: https://www.instagram.com/aliabouzalam/

This week we're joined by Jamie Pollard, Director of Athletics at Iowa State University.  Since his arrival in 2005, he has re-imagined almost every facet of the department, leading the Cyclones to records in attendance and ticket sales and academic scores and some of their highest finishes in the Learfield Directors' Cup.  His leadership extends throughout the industry as he was recently named NACDA President of the Year for 2021-22.  In this episode, Jamie and David break down how Iowa State approaches its fan experience by "speaking the fans' love language" In this episode, Jamie and David break down how Iowa State approaches its fan experience by "speaking the fans' love language" and Jamie's entrepreneur-like leadership mentality. Show Notes2:31   Breaking the Football Season Ticket Record3:53   Building a “Fans First” Experience at Jack Trice Stadium7:13    Identifying What Fits Your Fan Base15:53    The Role of NACDA and NACDA President24:20   Opportunities for the new Big 1228:50    Leaders Who've Impacted Jamie32:03    Managing Work / Life Priorities36:17    High Points and Low Points as a Leader39:03    Learning from an Apparent Failure42:18    Thinking Like an Entrepreneur45:42    Creating Impactful Meetings47:56    Empowering Your Staff - 50/50 Decision Making-----Connect with Jamie via email or follow him on Twitter-----Want more from EngageMint? Subscribe to our newsletter

I'm honored to share this special episode of the Mother's Quest Podcast. Thank you for showing up to this important conversation about two mothers and their quest for peace and reconciliation in Palestine and Israel. Thank you for choosing to press play.  If ever there was a year demanding us to "show up" this has been one. From COVID to floods and fires and refugee crises...our consciousness has had a lot to hold. It can be all too easy to shut down. To throw up our hands. And to say "what can I do?" That question "what can I do?" is one I asked myself during the crisis that unfolded in Palestine and Israel In May of 2021. For days, watching the horrifying headlines, I felt powerless. Then several truths came to me and an intention to find a path to action which I shared in a FB post, like sending a wish to the universe. The very next day, the “guides” I was looking for appeared.  In a conversation with my mother, I learned about the Parents Circle, an incredible organization of Palestinians and Israelis who have lost children or family members in the conflict, and instead of turning to revenge, come together to work toward peace and reconciliation. Soon after, I found myself recording a conversation with Layla Alsheikh, a Palestinian mother originally born in Jordan, who lost her son Qussay at the age of 6 months old. And Robi Damelin,  an Israeli mother, originally from South Africa, who lost her adult son David while he was serving in the army. Although today's topic is especially heavy - one of loss and tremendous grief, Layla and Robi share their narratives with us for a specific purpose - to help us understand their experience and to support their efforts in bringing Palestinian and Israeli mothers in particular together to work toward change. Inspired by all they shared with me, the week after we recorded, I began to raise money toward a fund to help them bring together bereaved Palestinian and Israeli mothers of the Parents Circle. Along the way, I've been moved by so many mothers who have already contributed. Mothers like Jena Schwartz, who dedicates this episode with a beautiful poem she shares at the end of this conversation. Jena was the first to donate and her powerful words are an invitation to you to say “yes” to this cause.  To date we have raised $5,000, half of the $10,000 goal I set. And we have more to go. Though the height of the crisis in May has receded from the headlines, violence continues in many forms, and the path for peace and reconciliation is needed more than ever.  I ask you to listen with an open heart, to follow the links in the show notes to learn more, to contribute in any amount meaningful to you, and to amplify the voices of Layla, Robi and others like them, mothers closest to this conflict. They are a key to any path forward.   In this episode we talk about: The experiences of two mothers Robi and Layla - one Israeli and one Palestianian -  who lost children in the conflict and turned their grief into a quest for peace and reconciliation. The tremendous power of listening to bereaved mothers' stories.  How Robi and Layla each got involved with The Parent's Circle, an organization of Palestinian and Israelis that brings bereaved parents and family members together in solidarity.  How you can help support the Parent Circle and promote peace and reconciliation among Israeli and Palestinian families. The importance of not importing the conflict into our own countriesWhy we shouldn't position ourselves as Pro-Palestinian or Pro-Israeli but Pro- Peace. How Robi and Layla sustain themselves and find continued hope, even in their loss.  Opportunities to get involved and how we can specifically support the mothers of the Parents Circle to come together.  Poet Jena Schwartz' powerful poem “The Undefended Heart” and an invitation to contribute.    This episode's challenge:  Both Layla and Robi challenge us to join them in fighting for peace instead of violence in the following ways:  Contribute to the fund to help them bring together Palestinian and Israeli mothers Invite representatives of the Parents Circles to your groups, synagogues, churches, mosques and organizations to share their story.  Follow the work of the Parents Circle and participate in their educational and awareness-building opportunities About Layla: Layla Alsheikh was born and raised in Jordan. She had a peaceful and normal upbringing and graduated with a degree in accounting and business management. She eventually met her husband in Jordan 1999 and moved to Bethlehem, where her husband lived for the wedding. However, a few years later tragedy struck her life.   In 2002, her 6 months old son, Qussay, became ill and Israeli soldiers prevented Layla from taking him to the hospital for more than five hours. Qussay soon died from the lack of timely treatment. Layla joined the Parents Circle in 2016. Following her son's death, she never thought of revenge, but rather has devoted her time and energy to ensuring a better, more peaceful future for her children.   About Robi: Robi Damelin was originally from South Africa and came to Israel in 1967. She originally came to Israel as a volunteer after the “Six Day War”. Her real plan was to live in the states but after spending time in Israel she developed a love-hate relationship with the place. She eventually got married and had two kids here. Unfortunately, Robi's son, David, was killed by a Palestinian sniper in 2002 while guarding a checkpoint near a settlement during his army reserve service. She speaks to Israelis, Palestinians, and audiences all over the world to demand that reconciliation be a part of any peace agreement. Robi was named a 2015 Woman of Impact by Women in the World.   Follow Robi:  Website Twitter     About the Parents Circle The Parents Circle – Families Forum is a joint Israeli-Palestinian organization made up of more than 600 bereaved families. Their common bond is that they have lost a close family member to the conflict. But instead of choosing revenge, they have chosen a path of reconciliation. American Friends of the Parents Circle – Families Forum shares the human side of the Israeli-Palestinian conflict with the American public in order to foster a peace and reconciliation process. The Parents Circle Policies: We work towards an end to violence and towards achieving an accepted political agreement. The members of the Parents Circle oppose the Occupation and believe that it is possible to end the conflict.  They wish  to influence the public and in turn, decision makers, to choose reconciliation and the path of peace over violence and war.   Our goal is to create a framework of reconciliation between Israelis and Palestinians to support any political peace agreement.   To prevent further bereavement and to avoid the use of bereavement for further violence and retribution.     Connect with the Parents Circle  Website Facebook Instagram Twitter Youtube     This Episode is Dedicated by: Jena Schwartz  Jena Schwartz is a writing coach, poet, and activist in Western Massachusetts whose work is deeply rooted in Jewish values. As a mother herself, "The Undefended Heart" emerged as a prayer of sorts out of her own yearning for peace in the face of so much injustice and suffering in Israel/Palestine. Connect with Jena: Website Facebook  Twitter  Instagram LinkedIn   Additional Reading/Listening: Mother's Quest Blog Post which introduces the Mother's Quest Fundraising Campaign  Side by Side: Parallel Histories of Israel-Palestine - Book recommended by the Parents Circle to better understand the conflict Ep 55: From Grief to Advocacy and a Circle of Mothers with Trayvon Martin's Mother Sybrina Fulton - Episode referenced which also explores turning grief into action and healing.   Special thanks to Shehla Sa Ni, Kris Zarnoch, Jen Fornal, and Bear Beat Productions for their help and care in editing this episode “Swirling in a sea of uncertainty My voice, tenuously found over the last few years, silent again I don't know enough, I tell myself But deep down, feel this to be untrue In the quiet of my late-night scrolling, searching for answers I never find, instead I reveal some truths within. We are all deeply connected The harm to one mother and her child is harm to every mother and every child, regardless of our differences A history of oppression and casting out can never justify more of the same Extremism in any form becomes a cancer Silence and doing nothing is a choice. A choice I cannot make. So I will remember I am not alone There are guides all around me And ways to make an impact that will reveal themselves If I just take the first step.” Julie Neale FB Post May 17, 2021 

Join us for a fascinating and inspiring conversation uncovering how to drive constructive disruption with our guest Christophe Perthuisot, former Chief Research & Innovation Officer, Danone. How do you tap into the plethora of new business opportunities driven by fast-changing consumer preferences and societal trends, as well as emerging possibilities behind new digital technologies.

Recently leaders from three different institutions, Columbia State Community College, Tennessee Tech University and University of Tennessee Southern, gathered to discuss educational opportunities in Southern Middle Tennessee. The post Educational Opportunities in Southern Middle Tennessee appeared first on Tennessee Farm Bureau.

✅ LYN ALDEN and I discuss portfolio that will HELP YOU profit from DOLLAR losing reserve currency status, click this link to check it out!!

On this episode of Moneda Moves in partnership with adidas, we are speaking with Mario Argote, Chief Marketing Officer of Up2Us Sports, helping bring sports to underprivileged communities. He calls it a gateway to further opportunities. Opportunities like new skills, networks, and mindset. And it's especially a game-changer for those who don't have access today. Sports are a big part of US popular culture and can be a formative part of our children's education curriculum. But whether or not they have the privilege to partake largely depends on a variety of factors -- among them related to money. More than 80 percent of children from higher-income families participate in sports. Meanwhile, less than 60 percent of children from lower-income families, making less than $30,000 a year, take part -- that's according to the Pew Research Center. And that comes as little surprise, given that schools serving a high percentage of students in poverty are less likely to offer sports. Up2Us Sports, which is sponsored by adidas, is a nonprofit on a mission to address these socioeconomic disparities, often taking place in people of color communities. Today, we discuss how the organization is providing solutions with bodies in these neighborhoods -- and we hear from a Up2Us Sports Sports Coach, Diana Luna, and Up2Us Sports VISTA volunteer, Emily Murtaugh, helping programs run more efficiently. We speak about the impact these volunteers have on kids in areas of need, how the program impacts their professional advancement and how they facilitate connection through community. No te lo quieres perder. -- Moneda Moves is a platform, newsletter and podcast all about the Latinx community, our relationship with money and role in the American economy. Because many money issues don't impact just our community, we also explore intersectional money issues impacting POC communities. Follow Moneda Moves on Instagram and Twitter @MonedaMoves and subscribe to our weekly digest at monedamoves.substack.com. Your host is Lyanne Alfaro, who tells stories about what's next in the world of technology, business and entrepreneurship. With more than a $2.7 trillion GDP, she is especially passionate about exploring the Latinx influence in the world of business, which she speaks about via newsletter, podcast and platform, Moneda Moves. She is an award-winning journalist, having reported in national outlets including CNBC, NBC Latino, Business Insider, Millie Magazine and worked on audience engagement as well as strategy. You can find Lyanne across Instagram and Twitter @LyanneAlfaro.

5:48 - The media business is a grind. Where did the work ethic come from? Attitude is a choice.  8:06 - Opportunities. Going out on your own. The simplicity of YouTube as apposed to Radio Stations. Building trust in relationships. 15:44 - Interviews. Authentic, relevant, fun, and innovative. Be the best version of yourself always. Rush Limbaugh. Howard Stern. Innovators.  19:47 - I will not be beat. What does it take to run a D1 child? If you have good parents, they will not discourage the kids. Empower your kid.  23:06 - What was it like to run WIBC radio station? People rely on your for information. We saved lives. What are some keys to empowering people. Breakfast With Kent. Do something that is rewarding to society. What are some of the biggest challenges in sports. Jazz. Listen well and pay attention.  28:20 - Baseball. What's the best of baseball and what are the biggest challenges in the MLB? Who's determining the rules? New bargaining agreement negotiation. What's good about it for the country. Great heritage. Great traditions. What did your grandparents teach you? Irish Catholic Liberal Democrat.  34:07 - Famous people. Harry Carey. Tony Dungee. Andre Brewer. Who taught you how to interview people. Improvisation classes. The power of listening. What was the biggest failure or flub or biggest disappointment. Mike Chappel. Communications director. Enjoy community.  41:09 - Biggest success story. Launching 1070AM The Fan. Michael Grady.  43:01 - Toughest interview you've ever done? Toni Morrison. Dead Eyes. COUPLE OF NAMES HERE. Jason Sudeikis. The Today Show. Second City. Double Take at Indiana University. Mark Sutton. Mick. How to not be intimidated in the moment. 47:47 - Knowledge Through The Decades. What is the attitude lesson at birth. Soak it all in. Inhabit the good habits and discard the bad. 48:19 - What is the attitude lesson at the age of 10. Doing nothing but aiming for laughter is a fool's errand. Jake Query.  49:56 - What is the attitude lesson at the age of 20? Stop fighting against nature. 51:29 - What is the attitude lesson at the age of 30? Mike Woodsen.  55:00 - What is the attitude lesson at the age of 40?  56:21 - What is the attitude lesson at the age of 50? Not wanting to live in St. Louis anymore. Balance. 57:32 - A message of hope. You are not the most important person on the planet and if we all agree to come together then this will be a much better place to live. A Beautiful Mind. Dealing with each other in a positive way. Finding the value in every human being. People are not in your way.  _  _  _  _  _  _  _  _  _  _  _  _  _  _   SUBSCRIBE / RATE / REVIEW

#WisdomWednesdays: Generating Luck and Maximizing Opportunities for a Successful Life For sure, there have been situations in your life when you felt lucky. You may have been able to get to your appointment just in time or made a decision that led you away from harm. Most of the time, these things just happen, without rhyme or reason. But did you know that you can also invite luck for you to have a happy and successful life ?  In this episode, Rosie and Tessa discuss the ways luck plays into our lives. They share how manifesting what you want also involves hard work and grit. When you want to generate more luck for a successful life, you need to make sure you're committed and know why you do what you do. By staying optimistic and patient, you'll get there someday too.  Tune in to discover how to generate opportunities and luck for a happy and successful life! Here are three reasons why you should listen to the full episode: Get insights on how luck affects us and keeps us on the path towards a successful life. Understand that for you to achieve success, your actions must follow your thoughts. Know the importance of being able to afford the successful life that you want. this episode is sponsored by: WonderyListen to EVEN THE RICH on Apple podcasts, Amazon Music, or you can listen ad-free by joining Wondery Plus in the Wondery App https://apps.apple.com/us/app/wondery-premium-podcast-app/id1485913772 Everywell You get 20% off an at-home lab test at www.everlywell.com/loved Olive & June Get your first mani system for 20% off! www.oliveandjune.com/loved Acorn TV Try Acorn TV for 30 days free with the promo code: loved But you HAVE to enter the code in all lowercase letters. www.acorntv.com   Resources BioMat Stay updated on Rosie's upcoming book launch and international retreats by subscribing to the newsletter! Check out Rosie's YouTube channel for the upcoming episodes of Wisdom Wednesday. Create a daily meditation ritual in just seven days! Download BUILD YOUR DAILY MEDITATION RITUAL and other freebies from theRadically Loved website! FREE Action Guide! Apply the lessons you learn from this episode as you listen! Sign up at com, and I'll send it right away! Episode Highlights How to Define Luck Luck can be seen as a way for people to cope with events beyond their control. It helps people stay optimistic. However, there may be times when there is a synchronicity of events happening in perfect unison with outcomes that can only be possible through divine intervention. In the full episode, Rosie and Tessa share stories where luck saved them from traumatic events. Luck and How It Directs People People can view luck negatively. For example, some would say how it's lucky for others to have certain things. Remember that achieving certain goals also involves hard work and commitment. Thus, we should view luck with more nuance. Rosie believes in an unseen force, a divine intervention, guiding us to make the right decisions. Manifesting and Acting Towards a Successful Life Manifestation is all about action that follows thought. Nothing happens when you don't act on it. In the same way, you can foster more luck in your life by working for it. There will be times, however, when you won't see results. This lack of success could be because it's not yet time or perhaps the thing you're trying to do is not serving your highest good. Knowing Your Inner Compass Whenever you find yourself stuck, ask yourself these two questions: Who are you doing this for? Why are you doing what you're doing? Beyond this, you need to ask yourself: Can you afford the career you want? That is, are you putting in the effort and investment necessary to actively live your career path? A successful life doesn't happen overnight. You need to keep generating luck and optimizing your opportunities. Moving Forward from Loss and Challenges You may face challenges along the way, but you need to keep moving forward and stay motivated. A successful life takes time and effort to achieve. Rosie shares that her status in life took around 15 years to build. If you know what you want and you're committed to putting in the work to achieve it, you can build a successful life. Finding Your Happiness Rosie and Tessa share in the full episode how their entrepreneurial journey was full of challenges, but they knew they were in the right place. Not everyone is suited for entrepreneurship. What's important is that you're happy and content where you are. Remember to keep yourself open to possibilities and opportunities so luck can come into your life. 5 Powerful Quotes [07:55] “There's so much synchronicity in certain things that happen that it's hard to believe that a whole slew of events happens so perfectly in perfect unison that create an outcome that couldn't have happened for any other reason than a divine intervention.” [28:44] “Energy follows thought. Whatever it is you're thinking and whatever it is you're working towards, it's not just magically manifested out of thin air; there's action behind it.” [36:14] “[Sucess] does not happen overnight. You need to be able to put yourself in a pathway where you are generating luck, but you're also maximizing your opportunities when you do get that luck.” [40:54] “If you are committed and you know in your heart that this is what you want to do, it works 100% of the time.” [48:07] “When you open yourself up to [luck] and proactively begin the movements and strategies and dreaming towards it, I believe that that's when things come into sync, and your life begins to unravel in a way that maybe it's meant to.” Enjoy the Podcast? If you felt radically loved from listening to this podcast, subscribe and share it with the people you love! Love to give us 5 stars? If you do, we'd love a review from you. Help us reach more people and make them feel loved. Did you learn valuable insights on how you can generate more luck and maximize opportunities for a happy and successful life? Would you want more people to be inspired?  A simple way is to share what you've learned today on social media. Don't forget to follow and message us on these platforms! Instagram: https://www.instagram.com/rosieacosta/ Twitter: https::twitter.com/rosieacosta Facebook: https://www.facebook.com/radicallylovedrosie TikTok: https://www.tiktok.com/@itsrosieacosta To feeling radically loved, Rosie

Fears. They're one of the reasons why people can't have new experiences or refuse to do things. It might be because of a deep-rooted reason or a past unpleasant experience, or just because of something irrational. But, what if it's the only thing that's holding you back? In this live podcast, hosts Kevin Palmieri and Alan Lazaros talk about fear chasing and the importance of overcoming your fears to reach your maximum potential. Tune in as they share their personal fears and the things they did to help you reconsider your relationship with the fears that you have in your life.Group coaching details: https://nextleveluniverse.com/group-coaching/We love connecting with you guys! Reach out on LinkedIn, Instagram, or via emailWebsite

Travis is back for a busy Tuesday edition as we look back at the loss in Tampa and turn the page on this episode of the Drive Time podcast. We'll go over the all-22 review, tell you about some opportunities in the passing game, some promising rookies on defense, take a look at the stats and snap counts and scan the soc.

After finding out about the high demand for industrial, single tenant net lease opportunities, Randy Blankstein decided to take advantage of that at the young age of 26. Now, 30 years later, he's been continually active in this niche. Today, Randy is sharing his fundamental criteria for properties, common misconceptions of triple net leases, and what specific type of real estate to buy for best returns.    Randy Blankstein Real Estate Background: Senior commercial real estate executive with over 30 years of experience focused on advisory services in the single tenant net lease sector Owner of commercial real estate investment brokerage firm JV equity partner in 1 retail property, 1 flex property and 12 industrial properties Based in Wilmette, IL Say hi to him at: https://www.bouldergroup.com/     Click here to know more about our sponsors: ThinkMultifamily.com/coaching | Rentify | Deal Maker Mentoring

The early bird gets the worm.” Can you recognize and seize emerging opportunities for your business? They give us the chance to do something different and unique for the people we serve, for the world and especially for your business. They can be huge growth opportunities when optimized in the right way. But they're not for everybody. So it's important to recognize which ones are the best for you and the right time to maximize those opportunities. That's why today we're talking all about how to identify emerging opportunities for your business. Get ready to take some notes and get thinking as we dive in!   Biggest Takeaways: Not all emerging opportunities are something you need to jump on. This is not the time to get fear of missing out. Identify them early on - the more risk you take, the more you get rewarded. An emerging opportunity doesn't stay emerging for too long. It doesn't happen overnight. The sooner that you remove the downside risk, the faster you can keep moving and locking in the upside potential.  You need to have access to things that are important to you. The current situation has created some very unique types of problems that maybe you are designed to solve. That could be your emerging opportunity. The time is now.   Highlights: What is an emerging opportunity [01:01] How to identify the right emerging opportunities for your business [02:29] Panoramic view and insights from the business world - Cryptocurrency [05:16] Two important things that I want you to think about [07:01] Panoramic view and insights from the business world - Blackberry [08:29] Example and insights #3 from the business world - Marijuana Industries in Canada [10:00] How to hedge your bets to cap your losses or downside risk [17:19] The great news about emerging opportunities [20:58] How to tap into emerging opportunities as a solution provider [25:03]  

Laurel Farrer is the Founder and CEO of Distribute, a virtual organizational development think tank and consulting firm, where she is passionate about unlocking the power of distributed workforces to create impact in corporate and socioeconomic infrastructures. Mike Petrusky asks Laurel about how she and her team of fellow experts collaborate with the world's leading businesses and governments on three primary topics: how to convert business operations from physical to virtual, how to build products and content for the remote work market, and how to leverage workplace flexibility to solve global concerns. They explore both the challenges and opportunities of hybrid work and return to office strategies for workplace leaders today and emphasize the importance of communication when meeting the unique needs, culture, and goals of your organization. Connect with Laurel on LinkedIn: https://www.linkedin.com/in/laurel-farrer/ Learn more about Distribute: https://www.distributeconsulting.com/ Discover free resources and explore past interviews at: https://www.workplaceinnovator.com/ Connect with Mike on LinkedIn: https://www.linkedin.com/in/mikepetrusky/ Share your thoughts with Mike via email: podcast@iOFFICECORP.com  

Finding opportunities and turning them into a thriving business is a part of every entrepreneur's life. And one thing that sets a successful entrepreneur apart is the ability to identify opportunities and act on them quickly. It might not be the next big thing, but it can be something to learn from. As the old saying goes, "Opportunities don't happen. They're made." In today's edition of the Knucklehead Podcast, our guest, Dalair Hudson talks about his fair share of screw-ups that have taught him valuable lessons that he applies to his businesses today.  As an entrepreneur, he will also share his thought process on finding new opportunities and turning them into a thriving business. Dalair's thought process on finding opportunities:Be very good at understanding new opportunitiesEvaluate those opportunitiesTake advantage of opportunities that you find worthwhile Dalair Hudsonis a US Army veteran turned entrepreneur. With the strong leadership he learned in the military, he is very well versed in solution thinking. After holding a leadership position in the military, Dalair is now directing projects in the civilian sector.  Enjoy! In This Episode5:00 - Dalair's screw up story and what he learned from it 10:28 - How he deals with the negative part of selling ammo to individuals 12:43 - What drives him to pursue the entrepreneur path 15:56 - How Dalair go through the process of building up his business 20:13 - Finding opportunities in the cryptocurrency space 22:53 - Dalair's painful experience with a start-up company 24:42 - His advice for conducting business with people outside the military 26:21 - What he learned from one of his biggest failures 27:53 - Dalair's process for qualifying prospects 31:09 - An overview of Dalair's current business activities 36:07 - His advice for anybody still in the military Favorite Quote"We had worked on trust with a lot of people before that we're kind of like partners or recommendations. So we made the mistake of working in trust with this company. After the project was finished, the company essentially like sold the company to somebody else and they just wrote us out, didn't pay us anything on that. So we pretty much lost four months of work and couple of hundred thousand dollars." - Dalair Hudson “I've always just been a very low-stress person in general. Nothing bothers me. So I've noticed a lot of things, but I don't always say everything." - Dalair Hudson "If you cannot reach out and talk to them, you may not want to put as much trust into the project. You need to do a lot more vetting on those projects ahead of time." - Dalair Hudson “My intent and the end goal for any business is to help the end customer to make life easier. If the customer that I'm working with or the product that I'm working with doesn't have that kind of mentality, I assume they're just here for the quick buck. And if that's the intent, it's a disingenuous project. It's probably not going to be successful                        and I don't want to be a part of it." - Dalair Hudson "Don't be afraid to message people. Even though there will be people that are going to kind of just shut you down or kind of ignore you, don't be afraid to send out a hundred messages to a hundred different people." - Dalair Hudson Engage with Dalair HudsonLinkedIn Knucklehead Podcast is brought to you byManscaped- Use the Promo Code: KNUCKLEHEAD  for 20% Off Grab your COVID 19 survivor T-shirt HERE Reach out to Justin Szerletich to get in touch with Knucklehead Media GroupLinkedInTwitter  Connect with Knucklehead Media GroupWebsiteFacebookTwitter • Knucklehead Media Group is your “push button” for podcasts. We help companies and organizations tell their story using podcasts and best practices for content distribution. Home to some of the top podcasts across multiple categories, captivating coursework on gaining traction with your show, and consulting to those companies BOLD enough to get some wins. We believe your mistakes set the foundation for your success, those stories help customers beat a pathway to your doorstep, and the myths from bringing business online shouldn't hold you back from getting yours. Click here for more episodes of the Knucklehead Podcast  

Have you ever truly slowed down to listen to the signs that the Universe keeps sending you? Or have you embodied the practices that you thought you were doing, only to realize that you were still far from where you thought, hoped or wanted to be? In this episode, Joree shares her recent experience of leading a women's retreat at Miraval...she starts with the power and magic that can unfold in a retreat setting, and concludes with her transformation of what she received. Opportunities for growth and healing and mindfulness are truly at every corner - but if you aren't open to walking the path, it can be easy to miss.

Our society is increasingly degrading human beings full of life to means toward the end of productivity. This season, we want to identify and address pro-abortion messaging that degrades women and erodes each person's understanding of the value of his or her life. In the weeks since Texas's heartbeat bill has passed, pro-life efforts have taken a prominent place in the media. In a hearing on SB8 last week, a Texas state rep boldly claimed that parenting prevents a woman's success, and even her destiny. This presumption sounds outlandish, but it is widely accepted and affirmed, leading to a corrupted definition of success in our society. Today, we want to make a case against the message presented by Donna Howard. Motherhood, fatherhood, and family are building blocks of a thriving nation, not an outdated norm. CSPAN link: https://www.c-span.org/video/?c4979550/user-clip-womans-destiny Support Americans United for Life https://aul.org/

In the third of a four-episode series on creators, contributor Michaela Greer sits down with Fabiana and Matthew Ferrarini, founders of “Queen Warriors” on how they capitalized on an opportunity in the height of a pandemic. Later, host Jessi Hempel and Michaela discuss the importance of being prepared with solutions for untapped needs. 

Sam Mitchell Shares His Thoughts On Debility Vs Superpower, Seeing The World Your Way And Becoming An Expert https://DarkHorseSchooling.com  

The exceptional performance of small-company stocks over the last decade has been underappreciated compared to the extraordinary performance of large-cap stocks, which have been propelled by the FAANGs. Small-cap pioneer Chuck Royce explains why small caps deserve renewed attention. WEALTHTRACK # 1815 broadcast on October 08, 2021 More info: http://wealthtrack.com/small-cap-investment-legend-chuck-royce-discusses-opportunities-in-underappreciated-small-caps/ --- Support this podcast: https://anchor.fm/wealthtrack/support

Through Elisha, God opened eyes to see His mighty power and mercy. 2 Kings 6:8-23

Dancing to me is such a part of everything I think about, do and who I am.  I dance in the kitchen, at home with the kids, the car, airport, and even while I write my manuscripts;  which character will end up on the dance floor, moving to the music?:) Dancing brings out emotions that could never be expressed or explained with words.  You feel, therefore you dance.  To me it's that simple. I can escape in a Bourrée or pretend I'm on top of a mountain in a field of flowers, leaping and chaînéing.  Dancing to me is like opening the first pages of a new book.  The anticipation and excitement of finding out who the characters are and what will unfold are the same as when a person first starts moving to the music. Our bodies feel every beat, every movement, either alone or while dancing with a partner.  Every sensation is alive and burning through our veins. I don't think there is a feeling more beautiful than when our minds and bodies come together creating movement in the form of a dance.  We release, we let go, we become free and no one holds us back as it's impossible to cage a soul on fire. So many people are afraid of what they look like on a dance floor or beyond.  But there is no wrong way to feel unless the outcome is driven by fear.  So, put your fears aside and step into the beauty of a moment to share love, joy even suffering. Opportunities pass swiftly when you overthink or take for granted time. Dance can heal the soul faster than the majority of things on earth because you can release your grief, not only through tears but through every part of yourself.  Our bodies and minds are connected through the spirit, so stop trying to separate what is intended to be together.  You can no more separate soul mates with distant, a wave from the ocean than you can a body from its form of dance. Some say, "I can't dance."  I wholeheartedly disagree.  You are human and therefore created to move.  The way we were designed with joints, tendons, and muscles allows for movement of every kind.  Perhaps you don't because you don't know-how.  You think you need to be shown.  Perhaps your "Don't" or "Can't" is only fear because you think you need to have so many steps down first.  The steps to dance don't determine whether you can dance, your soul dances without a lesson.  You just need to let it out and not be afraid. We have all looked or done silly things in our lives, but instead of hiding in a corner blushing you just have to laugh and enjoy the learning process.  Watching people enjoy the art of dancing or life brings so much pleasure.  You see the radiant light come to life in their eyes and almost feel as if you are right there with them on the floor.  And friends, that's what it means to dance! I have been thinking a lot about this topic not only because it's a part of who I am but because of what's happening in our country. My advice, if you are struggling or need a reset is attend a children's ballet or recital. Students study all year, putting their heart and soul into a performance to bring their talent, and joy to those who come and watch.  This is the chance for them to express to an audience what they feel and let go of stress, showing family and friends it's okay to be nervous and afraid but to dance anyway. What they will show you in performance is the expression. An expression of a soul on fire ready to live.   Perhaps you will finally understand what it means to dance. "If you want to dance, dance like nobody's watching and become free.  Mind, body, soul, free." Heather EarlesIs the owner of H&E Literary Works LLC, writes for a local newspaper, has written several books to include  A Busy Morning On The Farm and an upcoming thriller/drama series called “Prisoner Within.” She is a Print Specialist for Pufferprint, writes a blog on healthy living to aid and inspire. She has a podcast called Herb ‘N Wisdom™, enjoys country living, God, and her family.

In this episode of the Ultimate Leadership Podcast Chris is joined by Author, Speaker, and Coach Peter Docker. Peter is the author of his new book Leading From the Jump Seat:How to Create Extraordinary Opportunities by Handing Over Control. Peter breaks down his concept of Jumpseat Leadership. He breaks down the three main themes of Jumpseat Leadership: … Continue reading Leading From The Jump Seat: How to Create Extraordinary Opportunities by Handing Over Control →

As a licensed real estate agent and Certified Probate Expert, Bill can be found at the Stanley Mosk courthouse daily working with attorneys, petitioners, clients, investors, and other real estate professionals to help them solve their real estate problems.Bill can be contacted at: bill@thelaprobateexpert.comLinks:Full episode with video, audio, timestamps and full transcription—Explore past episodes:  justinstoddart.com/podcastDownload my international best-selling book, The Upstream Model, here: justinstoddart.com/freebookIf you enjoy the podcast, please leave us a short review on Apple Podcasts.  I love reading reviews and engaging with our community.Follow Justin:Instagram: instagram.com/justinstoddartFacebook: facebook.com/justincstoddartYouTube: youtube.com/c/justinstoddart

Episode #8 of the 1MC is live! This episode focuses on Education and Opportunities for our workforce including M2M, CG Cool, SWE changes, apprenticeship programs and any other future opportunities! #The1MC #13 #newsyoucanuse

Today's Flash Back Friday comes from Episode 505, originally published in April 20, 2015. Jason starts by talking about the Millennial demographic and its benefits for real estate investors. In relation to this, he reads an article on the renter market and why fewer people are purchasing homes. He also takes the time to answer a couple of listener questions about home-owner risk mitigation and renting versus owning property on today's show. Key Takeaways: 2:00 – Millennials have seen their parents get burned by the real estate crash. 7:40 – Millennials are putting off marriage, living with their parents, and have massive student loan debt. 9:35 – It's hard to get good stats on individual home owners or single family homes. 11:35 – If Fannie Mae and Freddie Mac were to go away, it would free up 25 million new renters. 14:30 – Jason answers a listener question about risk mitigation for properties. 19:20 – Jason answers another question about renting versus owning. 27:05 – Next episode Jason will have Dan Mitchell, Senior Fellow from the Cato Institute, on the show. Tweetables: “When interest rates are low and it's easy to qualify for loans, you have this market where everybody moves out and they buy.” “I think Fannie Mae and Freddie Mac should go away. They cause distortions in the market.” “We get to own and control things while we're alive and it's come upon us to do the best job that we can with our financial resources.” Mentioned In This Episode: Affluent Apartment Renters Slow to Buy a Home   For transcription click HERE: The WEALTH TRANSFER is happening FAST! Protect your financial future now! Did you know that 25% to 40% of all dollars ever created were dumped into the economy last year???  This will be devastating to some and an opportunity to others, be sure you're on the right side of this massive wealth transfer. Learn from our experiences, maximize your ROI and avoid regrets. Free Mini-Book on Pandemic Investing: https://www.PandemicInvesting.com Jason's TV Clips: https://vimeo.com/549444172  Asset Protection, Tax Savings & Estate Planning: http://JasonHartman.com/Protect What do Jason's clients say? http://JasonHartmanTestimonials.com Easily get up to $250,000 in funding for real estate, business or anything else  http://JasonHartman.com/Fund  Call our Investment Counselors at: 1-800-HARTMAN (US) or visit https://www.jasonhartman.com/ Guided Visualization for Investors: http://jasonhartman.com/visualization  

In today's episode, hosts Kevin Palmieri and Alan Lazaros talk about truth and how most people, including themselves, struggle to express their truth. Based on their own experiences, they share why it's hard to express and receive truth, why people struggle with living in their truth, and how to turn it around and get to the next level through acceptance.Group coaching details: https://nextleveluniverse.com/group-coaching/We love connecting with you guys! Reach out on LinkedIn, Instagram, or via emailWebsite

I recently had the opportunity to appear on The JustBe Podcast which is all about exuding joyfullness and shining your love & light onto the world. Briana & Emery So have simply come to share their stories, with the intent to provide some positive solutions so that we can all Optimize life's Opportunities.⁣ ⁣ In this episode, we speak about officiating on a social and human level and discuss the importance of having a high emotional intelligence and positive perspective in life. We spoke about gratitude, finding your joy and always being officially YOU! We hope you enjoy this episode. --- Send in a voice message: https://anchor.fm/crown-refs/message Support this podcast: https://anchor.fm/crown-refs/support

"Be sure that you understand that each stage is clearly defined. Number two, have someone test your assumptions. And number three, validate your progress with the customer." - Steve Gielda in today's Tip 993 How do you avoid opportunities from stalling in your pipeline process? Join the conversation at DailySales.Tips/993 and learn more about Steve! Have feedback? Want to share a sales tip? Call or text the Sales Success Hotline: 512-777-1442 or Email: scott@top1.fm

We often do things unconsciously to preserve our memories of precious people who have gone before us. Sometimes, remembrance takes the form of bad habits that we need to break. But how can you stay connected with your departed loved ones without getting yourself stuck? My name is Dr. Debi Silber, and welcome to another exciting episode of A Dose of Dr. Debi. Today, we will be discussing how you can be intentional in incorporating new beliefs and behaviors into your routine while maintaining that deep connection with your loved ones.   In This Episode  Find out how people keep their pain alive Understand the root cause of some bad habits Learn how to get unstuck and move forward   Transcription Hi there, welcome to another Dose of Dr. Debi. So this was coming up within The PBT Institute with some of our members and I'm wondering if it's something that may be happening to you. I  want to make sure I share it so this way, if it's something you're doing, you know why.  Have you ever felt like you're stuck, you feel so stuck, you're doing the work, you're trying to change your beliefs, you're trying to incorporate these new habits into your routine and there is just something about it that no matter what you do, you cannot move forward? And what happens is you keep trying these new things, you keep getting aggravated and discouraged and thinking; “I don't get it. I'm doing everything, why am I still stuck?”  Well here's something that I've found and this is my over 30 years of coaching. I have seen this come up a few times, and I'm wondering if it's something you may be doing. I remember years ago when I was working with someone and she explained this version of herself she wanted to be. Beautiful, fit, healthy, successful. I mean it was this amazing image. I asked her where she was right now, and she described herself and she wasn't really eating well, she didn't have the best belief system in place, she was settling for relationships and work that she wasn't really happy about. And she smoked cigarettes. I asked her; “What's up with the cigarettes? That version of you that you described, I can't imagine that version of you smoking cigarettes.”  She didn't know either, and she was really stuck so I started diving deeper and I said; “Tell me about your about your relationships.” And she started talking and I know I'm probing deeper and trying to get to the root of things, and all of a sudden she starts talking about her mom and her mom passed away from lung cancer from smoking.   I remember at that very moment, thinking to myself, Hmm, I wonder if she's smoking as almost to keep that bond. And that legacy going. So before I had a chance to stop myself, I blurted it out and I said; “Do you think you're smoking has anything to do with your mom?” And she looked at me, it was that deer in the headlights look and I know we're onto something. And I kept going and I said; “Well, would your mom want you to smoke? And she said; “Absolutely not.” And we realized, she was grieving and mourning the loss of her mom and it was almost like if she kept smoking, that would continue that bond.  So we don't want to break those bonds, if that's all we have left. So I shifted the conversation and asked: “What would happen if, instead of the bond, being that you continue to smoke, what would it be like if instead, in honor of your mom, you stopped smoking? So, it still had to do with her mom, it still had to do with that deep connection, but now she's doing something really positive with it instead of really something negative.  It was the last cigarette she ever smoked.  And it came up again recently where one of our members was stuck, just so stuck doing all the work, doing all the right things, and just stuck. And so I brought this up again. And it was a family issue going way, way, way back where playing a certain role, and acting in a certain way, would keep this legacy alive. And so then I asked; “Now that this person is on the other side, would they want you playing small would they want you staying safe would they want you not living the best of your ability and becoming your highest and best? “Well of course not.”  “So what if, instead of keeping that bond going by keeping those beliefs going, and even though that's all we have left with that person, we keep ourselves, sort of locked in our own cage because this is, this is what we have and we don't want to eliminate and, get rid of that bond we have with them. What if instead we did this in honor of them.”  It was one of those experiences again where I just saw her face light up. And I knew at that moment, that was one of the biggest needle movers that was keeping her stuck in Stage three, talking about the five Stages from betrayal to breakthrough. That's what was keeping her stuck in Stage three, and having her move right into stage four. I see this with so many people all the time. We're not staying stuck because we want to. Sometimes we need the tools, we need the resources. we need just the insight or shift. Sometimes we just needed it to be bad enough, I did two TEDx talks and I remember talking about this and the first one, Sop Sabotaging Yourself saying that when the pain of where you are, becomes greater than the fear of the unknown, that's when we jump. And that's when we make those changes and sometimes it takes, pain, sometimes it takes realization, sometimes it takes, insight, sometimes it just takes being so sick of your own story, whatever it is, it's all good, as long as you take a look and make those changes that can support you.  So, just a classic reason why we stay stuck that can be a little bit hidden and we may not really know, and I've seen it many times, so I wanted to be sure to share that with you. Speaking of Stage three, the new book: From Hardened to Healed: The Effortless Path to Release Resistance, Get Unstuck and Create a Life You Love, is now available, and we created a really fun quiz, to go along with that, which is to see which force of nature, you are, and it will. It's the most simple quiz ever, and you will know exactly where you are within those five Stages and then I will guide you appropriately based on exactly where you land. I really invite you to take the quiz and you'll find that it healedorhardenedquiz.com So just go to healedorhardenedquiz.com  Take that quiz and find out which force of nature you are. And it may be really enlightening for you. So if you're stuck, there's usually a good reason for it. And, you know, it's, here's where those traumas are the greatest shakeups because they invite us to question everything, but sometimes it is just that new idea that new insight that new awareness. So, if that's what's going on with you, where you were keeping the pain alive, keeping the bad habit, alive, keeping the staying stuck alive now you know because of that tie you have with that person.  What would happen if you turned it into the honoring of that person where you're doing something really positive, with that scenario. Just like I mentioned with my client with the cigarettes. So, I hope that helps, again, take that quiz so you see which force of nature you are, and you got to find that at healedorhardenedquiz.com . I'll see you next time.   Resources Mentioned PBT Podcasts Healed or Hardened Quiz Post Betrayal Syndrome Quiz PBT Institute Membership Community Trust Again: Overcoming Betrayal and Regaining Health, Confidence and Happiness Trust Again Free Gift  healedorhardenedquiz.com 

3:00 - Career Journey and Early Lessons (Chris Adamo)5:09 - Working at 1-800-Flowers6:55 - Opportunities8:00 - Mindset Practice/Second Nature8:36 - Career Change9:54 - First Job Shift / Startup Scene in Miami11:40 - Hardest part in getting into Startup13:04 - Why is Miami so Special15:32 - Story of Colorful Shirts17:27 - Key Lesson taught by Chris Dad18:30 - Chris Legacy19:18 - Chris's North Star21:19 - Max's Introduction23:33 - Brian's Introduction25:00 - Why Miami is so great overall26:36 - Saturation Point28:46 - What is Miami missing out on?31:33 - Secret Sauce / Team Work and Culture34:48 - Opportunities in Miami38:54 - Keeping the Passion strong in remote work39:49 - Go-to Interview Questions (Soft skills)44:29 - How to pay forward47:06 - Brian's Best Mentor48:50 - Miami in 10 years51:55 - Greatest Piece of advice  

Today's episode will be all about identifying and unlocking new opportunities and in turn, evolving what we are bringing to the table. Join Mayank Yadav, Product Lead at Facebook, as he uncovers the Top Problems PMs face today! With guests, Ashok Bania, VP of Product at Tumblr, and Felix Watson Jr. , Product Manager at Google, they'll be diving deep into how Product People go about identifying opportunities.This episode is brought to you by ThoughtSpot, the modern analytics cloud company helping you build your business on data with consumer-grade, search and AI-driven analytics. Build stickier product experiences by embedding ThoughtSpot Everywhere's interactive analytics interface directly into your data app or product. No more delayed-release cycles or incremental UX improvements. Visit thoughtspot.com/everywhere to get started for free today.Get the FREE Product Book and check out our curated list of free Product Management resources here

In Edible-Alpha® podcast #98, we flip the script, with Food Finance Institute interim director Sarah Larson interviewing FFI founder and outgoing director Tera Johnson. After building up FFI and the Edible-Alpha® brand over the last eight years, Tera is moving on to her next entrepreneurial venture as CEO of Iroquois Valley Farmland REIT. To start, Tera explains how she first identified the need for FFI and got it off the ground. Through building teraswhey from scratch and then selling the company, she'd acquired a unique knowledge base and skill set around financing food and agriculture enterprises—expertise that was badly needed. So, Tera pitched her idea to the University of Wisconsin System, the system agreed with the need, and FFI was launched within the Institute for Business and Entrepreneurship. At first, FFI was just Tera doing one-on-one consulting with clients. With way too much work for one person, she applied for and received a USDA Local Food Promotion Program grant to hire a program director. From there, they began developing curricula for boot camps and webinars, started training consultants nationally and launched the Edible-Alpha® podcast. Before long, FFI was working with food and farm enterprises across the U.S., and the podcast was carrying impact far and wide (46,000 downloads to date!). Tera intentionally combined the food and farm sectors into FFI's focus, knowing that many of the same tenets (such as money follows business model) and needs (such as understanding numbers before courting financing) apply to both. The COVID-19 pandemic has blurred the lines even further, with farms pivoting to direct-to-consumer, food hubs pivoting to hunger relief, food brands pivoting from retail distribution to e-commerce, etc. This has made FFI's financial education and technical assistance all the more pertinent. Next, Tera and Sarah talk through the biggest financing gaps today. Tera says most food brands need working capital, which remains the toughest to get. Many farms now need working capital too since they're selling direct-to-consumer, although, unlike brands, farms have access to value-added producer grants. Food hubs and other food system-related entities are finding more help from foundations, economic development funds and government grants. When asked how she has built both teraswhey and FFI to last, Tera says it's just like she tells businesses in boot camps: do something defensively unique that people actually want, develop a business model around it and figure out how to finance, staff and market it. Embedded in that is creating a culture and hiring an excellent team - FFI now is 5+ strong - that can carry out the work even without the founder. “What I love about the Edible-Alpha® learning platform, combined with the consultant network, is it doesn't need one person anymore,” Tera says. “It has grown way beyond me.” Although FFI is sad to see Tera go, she has left a sound business model behind and a strong staff of experts to carry the torch forward.  Though, as Tera says "she is on the same merryground just riding a different horse"- as the founder having presence on our FFI Vision Board and with so many intersections between Iroquois and FFI, she won't be far away.

(Trigger Warning: Sexual Assault) On today's episode, Blaise shares about her unfortunate experience with sexual assault in order to raise awareness about what assault looks like, feels like, and how it can happen to almost anyone. Additionally, she also shares important statistics on sexual assault and how to have consent conversations with intimate partners. If anyone you know has been affected by sexual assault, please share this podcast with them. ​ Opportunities to work with Blaise Collett https://calendly.com/wholeheartedglowcoaching/30min?month=2021-09 Podcast Partnership Opportunities: https://www.wholeheartedglowcoaching.com/workwithme Fast Legs and Toned Ass 10k Program: https://www.wholeheartedglowcoaching.com/products-services-0vPw8-gxclx-k5dgU For survivors and victims of Sexual Assault: https://www.rainn.org/

The need to be prepared for opportunitiesHow the focus group principle can help you gain confidenceIs being wealthy a bad thing?Is college the ticket to long-term success?Why you need to be transparent with your childrenLife and Money Impact RoundWhat is the one thing to do now to live a meaningful and intentional life by design?What is one life or money hack that you can share to make an impact on others' lives?What is one thing to do right now to make the world a better place?ABOUT DERRICK KINNEYDerrick Kinney is the CEO of Good Money Framework. He hosts the Good Money Good Hands Good Work Podcast, where he interviews the world's top professionals, authors, influencers, and business leaders to inspire people to build their network so they can impact the world.CONNECT WITH DERRICKWebsite: www.goodmoneyframework.comInstagram: @derricktkinneyPodcast: Good Money Good Hans Good WorkCONNECT WITH USTo connect with Annie and Julie as well as with other Investing For Good listeners, and to get the latest scoop on new and upcoming episodes, join Life and Money Show Podcast Community on Facebook.To learn more about real estate syndication investment opportunities, join the Goodegg Investor Club.Be sure to grab your free copy of the Investing For Good book (just pay S&H)--Thanks for listening, and until next time, keep investing for good!

What do you think it takes to be great? Can everyone achieve greatness in some form?Want more The On Purpose Podcast?Find us on patreon at: https://www.patreon.com/theonpurposepodcastFor full episodes and more: https://www.theonpurposepodcast.comIG: https://www.instagram.com/theonpurposepodcast/FB: https://www.facebook.com/OnPurposePodcastOfficialFind Us on iTunes: https://podcasts.apple.com/us/podcast/the-on-purpose-podcast/id1470553784?uo=4And Spotify! https://open.spotify.com/show/0ADfRPEvmF4wXHrJVrqngI?si=iVpeWLl9RjuSLR67DgeVrwWant to connect with Jerrod?Linkedin: https://www.linkedin.com/in/lawenforcement-lifestyle-writer/IG : https://www.instagram.com/jerrodh/Get My Book! https://www.amazon.com/Extraordinary-People-Ordinary-Places-Jerrod/dp/1712245694Want to know more about Ali or argue with him? FB: https://www.facebook.com/ali.abouzalamIG: https://www.instagram.com/aliabouzalam/

Christian Selig returns to the show to talk about how he used the new Safari extension system on iOS to build Amplosion and Achoo, the pros and cons of open source, and how developers can utilize other iOS 15 and iPhone hardware features.

Cindy Radu brings a background in law and accounting to her work with legacy families. In particular, her deep expertise with trusts enables Cindy to help families achieve their wealth legacy goals. She offers three specific takeaways. First, communicate about the purpose of a trust -- the mission, vision, and values behind it. Second, intentionally activate the trust. Third, collaboration among all involved is essential: the grantors, the trustees, the beneficiaries, and the professional advisors.You can learn more about Cindy's work at her website: https://cindyradu.com/ . Reach her by email here: connect@cindyradu.com. She welcomes messages through LinkedIn here: https://www.linkedin.com/in/raducindy/Do you have comments or suggestions about a topic or guest? An idea or question about conflict management or conflict resolution? Let me know at jb@dovetailresolutions.com! And you can learn more about me and my work as a mediator and a Certified CINERGY® Conflict Coach at www.dovetailresolutions.com and https://www.linkedin.com/in/janebeddall/.Enjoy the show for free on your favorite podcast app or on the podcast website: https://craftingsolutionstoconflict.com/And you can follow us on Twitter @conflictsolving. 

October 6, 2021 - Senate Transportation Committee Chair Tim Kennedy, a Buffalo-area Democrat, discusses the current state of the Metropolitan Transportation Authority after a wild 18 months, which has seen ridership disrupted by the pandemic and billions of federal dollars invested in to stabilizing the organization.

Good nutrition is essential for dancers to achieve desired body composition, ensure adequate energy to support growth, and optimize training. Successful dancers learn to view food as fuel, avoid dieting, and have sustained energy to power through class and performance. Dancers tend to under-eat and neglect long-term health, which compromises performance and contributes to injury. Pursuing a successful dance profession should not inflict chronic pain, perpetual stress, or diet confusion. Quality nutrition improves every aspect of dance training and performance, including physical strength and endurance, balance, flexibility, mental clarity and memory, emotional stability, and self-confidence. Nutrition needs are very individualized, so it is important that dancers seek specific dietary advice from a Registered Dietitian for dancers regarding calorie and protein needs. Tune in to this episode to learn about: the unique nutritional needs of dancers and other performance athletes guidelines on macronutrients, micronutrients, hydration and snacks the realities of restricting intake during growth and puberty tips for fueling for performance as well as nutrition needs during injury recovery the importance of focusing on gaining strength and skill rather than focusing on body composition or ideal body weight insight into mental health, emotional eating, disordered eating and eating disorders how parents and teachers can be more involved and aware of red flags for disordered eating and body image issues Nasira's story from ballerina to dietitian Melissa's story attending a performing arts high school Full shownotes and resources at: www.SoundBitesRD.com/191 

You don't need a million followers to have a successful business, you just need consistency! Tom's guest today is Chris Greene, President and founder of Flood Insurance Guru. Chris shares how to create content that answers your customer's questions and leverages your expertise, and why it pays off to do the small things every day!    In this episode, we talk about… The tipping point that inspired Chris to implement his content creation goal of 1000 videos in 1000 days  Why Chris believes “They Ask, You Answer” is a culture vs. philosophy Advice for contractors to create content even when they don't work in a “sexy industry” Using a video funnel for customer engagement  Suggestions for creating content in your local area   Repurposing content and make customers feel like you're reading their minds  Chris' team structure and how he records and batches content  The power of consistently doing the small things every day The very first step to start creating content: Pick up your phone and record yourself on video!        Links to resources: Flood Insurance Guru on YouTube - https://www.youtube.com/c/FloodInsuranceGuru Check out Tom's recommended books here - https://thecontractorfight.com/recommendation/ Amp up your presence online.  Check out Contractor Growth Network: TheContractorFight.com/CGN. CGN helps residential contractors increase profits, generate pre-qualified leads, and deal with fewer sales objections through their EPP Sales System. Their system is designed to attract, nurture and convert your ideal clients over and over again. The $100k Contractor is designed to get you to at least $100k a year in personal income. It's time we quit stealing from our families and get that time back! Order Your Fight Planner – https://thecontractorfight.com/fight-planner The Contractor Fight Facebook Group – https://www.facebook.com/groups/thecontractorfight/ The Contractor Fight Night – https://thecontractorfight.com/fightnight/ The Contractor Fight TV – https://www.youtube.com/channel/UCEWHDzg1Tnogow9uAL3YESw

In this episode, Physical Therapist and Educator, F Scot Feil, talks about understanding and eliminating student loan debt. Today, F Scot talks about the different kinds of student loans, his different revenue streams, and the value of having a diverse set of skills. How does the debt-to-income ratio affect student loans? Hear about eliminating student loans, managing multiple revenue streams, and get F Scot's most important piece of advice for students with debt, all on today's episode of The Healthy, Wealthy & Smart Podcast.   Key Takeaways “The debt-to-income ratio is the amount of student loan debt you have over your current income.” “The best way to learn about this stuff, and what's right for you, is to talk to a certified financial planner that knows about student loans.” “The biggest thing to try to do, if possible, is not to privatise your loans. Try to keep as many of your loans federal as possible.” “You make your own luck. You have to work hard, and you have to network and leverage with the right people at the right times about the right things, and then you'll start to see those opportunities open up.” “The one key takeaway that I've had with all these revenue streams is you've got to do one at a time, and you've got to get it flowing, and then you can step on to the next stream of revenue.” “The money is nice, but the time-freedom is really what you're looking for.” “You don't have to work as hard, you can scale back, charge what you're worth, and make a lot more money in a lot less time.” “Your career just has to be the tip of your iceberg.” “There's a whole lot more out there than just going to an outpatient clinic every day and seeing your patients.” “Don't worry as much. Just leverage the heck out of your career and your degrees. Use them to do what you want to do and what you enjoy doing.”   More about F. Scot Feil Dr F Scott Feil is a husband, a father, a physical therapist, a professor, and, most recently, an amazon best-selling author. F Scott is also a business coach and mentor, despite starting his journey as an English major before landing as a Physical Therapist. He is one of three co-hosts of the Healthcare Education Transformation Podcast, which aims at breaking down the silos between healthcare professions and trying to find best practices in teaching and learning throughout healthcare academia. His goal is to help at least 222 professors (one from every PT School at the time of publication of his book) and clinicians pay off their student loans quicker by using multiple revenue streams. If he helps some others with terminal degrees, or other healthcare clinicians, along the way, then it's a bonus!   Suggested Keywords Student Loans, Student Debt, Financial Planning, Education, Skills, Income, Revenue, Profit, Opportunities, Physiotherapy, Healthy, Wealthy, Smart   Resources: FREE PT Educator's Revenue Idea Generator Professors Of Profit Facebook Group PT Educator's Student Debt Eliminator: Multiple Streams of Revenue for Healthcare Clinicians and Academicians   To learn more, follow F. Scot at: Website:          https://pteducator.com Podcast:          Healthcare Education Transformation Podcast Facebook:       PT Educator Twitter:            @FScottFeil_DPT Instagram:       @PTEducator LinkedIn:         F Scott Feil YouTube:        PT Educator   Subscribe to Healthy, Wealthy & Smart: Website:                      https://podcast.healthywealthysmart.com Apple Podcasts:          https://podcasts.apple.com/us/podcast/healthy-wealthy-smart/id532717264 Spotify:                        https://open.spotify.com/show/6ELmKwE4mSZXBB8TiQvp73 SoundCloud:               https://soundcloud.com/healthywealthysmart Stitcher:                       https://www.stitcher.com/show/healthy-wealthy-smart iHeart Radio:               https://www.iheart.com/podcast/263-healthy-wealthy-smart-27628927   Read the full Transcript Here:  00:02 Hey, Scott, welcome to the podcast. I'm happy to have you on. It's great to see you and to speak with you.   00:09 Yeah, Karen, thank you so much for having me. I'm a longtime listener, first time caller here. So this is exciting. I've been waiting to do this for quite some time now.   00:17 Yeah. And I'm happy to have you on. And today we're talking about a topic that is near and dear to many, many physical therapists. And that is we're talking about student loan debt, and not only talking about it, but how to maybe understand it a little bit better, and how to eliminate it. So let's start with some definitions. And what is the debt to income ratio? And how does that affect your student loans.   00:50 So, you know, I'm not a student loan expert, by any means. I'm more of an elimination expert. That's that's where, you know, my specialty comes in. So I've had to learn this stuff, too. And, you know, one of the best ways that I've gone about doing this is going to certified financial planners, especially once you understand student loans, and talking through, you know, where I'm at what what plan looks like, it's going to work for me, what are my plans in the future? What is, you know, my vision look like? You know, do I want to start a family, buy a house, buy a car, all those things kind of factor in to your big plan. And then from there, you've got to come up with a foundational blueprint or a roadmap that you're going to follow based on what your student loans are. So the debt to income ratio is very simple, you know, it's the amount of student loan debt that you have, right? over your current income, and you just, you know, do the math and divide, right? So, realistically, the highest that you would want your debt to income ratio to be is approximately 1.01. To one, right. So if you had $100,000 worth of student loan debt, you're making $100,000 salary. That's not a terrible debt to income ratio, right? Unfortunately, especially in the field of physical therapy, we're finding that students are graduating with 150 175 200,000 plus worth of student loans, and they're coming out and they're getting jobs at 65 75,000 a year. And those are some pretty risky debt to income ratios, right? those, those get a little heavy, because, you know, if you don't know anything about it, and you you have all this debt, and you've accrued this debt, that's just massive, your payments are going to be massive, right, your student loan payments, if you just do the standard repayment, mine started out at 1700 a month, right. And I only had 140,000, when I graduated, that was with two doctoral degrees. So you know, it was one of those things where I got a little nervous at one point, because I didn't even know that I wanted to use the doctoral degrees, the way they were kind of meant to be used. But then I kind of settled down talk to a couple people both both on the business side of things, and on the Certified Financial Planner side of things, and created that roadmap, I went from the generic, you know, repayment plan at 1700 a month down to the income driven repayment plan, which for me, looked like about 700 a month. And then again, after really doing a deeper dive with the Certified Financial Planner, where I was at in my life and how I was planning on attacking my student loans, we've finally got it down on the repay plan or the revised Pay As You earn plan. And that's about $135 a month. And that stretches it out over 20 years now. So the difference that I'm making between the, you know, 135 a month and the 700, I was paying, I can now take that and have more liquid assets to do something with right I can have more cash in hand to invest or to start a new project or, you know, to make payments on other stuff, you know, so it's taken me some time to kind of learn this stuff. And again, like I said, I'm by no means a student loan expert, but I am learning through the bumps and the bruises and going through it and being in the thick of things there. And realistically, like I said, the best way to learn about this stuff and what's right for you, because it's going to be different for everybody is to talk to a certified financial planner that knows about student loans. So that would be my first recommendation.   04:15 Yeah, and that is great advice. Great advice. I've been working with a certified financial planner myself. And it really, it's really great to have an outside view of your finances and everything that surrounds them by a professional who can go in and not be emotional about it, and not have biases built in because we all have emotions around our money and around our debt and our loans. And so it's great to have that outside perspective. Yeah, you   04:45 hit the nail on the head there, you know, especially when it comes to business and money. We tend to be very emotional beings and you really have to be objective when it comes to that. And that was that was you know, a big takeaway that I found when when starting up businesses and you know, figuring things out. I've had a bunch of deals in the last couple months kind of crumble and fall through and it's like, Man, that's a bummer. But at the end of the day, you realize it's just business like, it's not a big deal. Not personal, that, you know, can't get emotional beat up over, you just got to move on it's business, you know?   05:15 Absolutely. It's it. But I mean, it does suck.   05:20 It does. It does. And it's okay to kind of recognize that, you know, you know, exactly, but at the end of the day, okay, it's business. What's my next step? How do I pivot? How do I recover? What comes next? You know, I think that's really what entrepreneurs are doing these days is trying to figure it out, you know, just keep rolling with the punches until they, they get it right. Yeah,   05:38 absolutely. And now, you spoke a little bit about those different kinds of student loans. And so I'm assuming there are different approaches one can take, can you speak to that?   05:50 Yeah. So you know, again, like I said, I'm not exactly a student loan expert, there's several different kinds of student loans out there, the biggest thing to try to do, if possible, is not to privatized your loans, right, try to keep as many of your loans federal as possible, because the federal plans are the ones that work with you a little bit more, there's a little bit more give to them, right? You can restructure them a little bit. Like I said, I went from just basic repayment plan to income driven repayment plan, which is based on, you know, the amount of income that I would make as a new grad, down into the revised Pay As You earn plan, which, like I said, that one kind of starts you at a lower bracket. And year over year, as you make a little bit more, it creeps up a little bit, you know, but it also, again, it stretches it out over a longer period of time. So you know, they're their differences are time dependence, you know, how quick you have to pay him back. But you know, things happen, like COVID, right, and all of a sudden, the Federal plans have all kind of stopped, they put a, you know, a pause on them until the new year. So, you know, that's one of the ways that they can give you grace, you can go into a deferment plan, if you need a month or two, you know, though, they'll work it out with you, and they'll tack it on to the end or whatever, you know, there's just a lot of forgiveness. And then at the end, there's a big forgiveness. But with federal loans, you just have a lot more grace, right? Once you privatized the loans, you're stuck, that's it, they are what they are, and you've got to pay him back, there's, there's no getting rid of them, right. Because, you know, student loans are loans that we just, we can't go bankrupt on we can't, you know, get out of there just gonna be there forever until you pay them off. So, you know, it's super important to recognize the difference between a private loan and you know, a federal loan. So big takeaway there is try to keep as many of your loans federal as possible for as long as possible, because those will have the most options for payoff and forgiveness and forgetting, you know, you know, any sort of programs that are available that may come and go, right, there's the one program where if you work for a nonprofit for 10 years, right, X amount is forgiven. Now, there's been kickback on that saying that, like 99% of people don't get approved for it at the end, they cross the finish line, then all of a sudden, the finish lines moved, right. So you know, there's some fine, fine print, you've got to read there with all these. But you know, at the end of the day, most of the federal loans will give you a certain time period. And as long as you make your payments all along that time period, at the very end, there will be some form of forgiveness. Now, the only caveat with that is the way you're forgiving those loans is you get taxed on the amount of forgiveness as if you made that income that year. So, you know, for me, it'll probably be a 20 year repayment plan, at the end of those 20 years, I'll have $100,000 left, it'll be forgiven. And then it'll be like I made that extra 100,000 on my salary that year, so I get taxed on it. So in those 20 years, I have to come up with some sort of plan to save up and to make money to repay that one year, when I have that influx in salary, even though it wasn't there. It was a loan forgiveness. So just something to think about there, too, when you're planning out your loans and your repayment plan.   09:04 Yeah, yeah, I don't think people realize that you have to pay taxes on that loan that is left. So each year, you want to make sure that you're putting money aside and putting money aside so that you're in an account that maybe you can't touch so that when it comes you're not like, Oh my gosh, where am I gonna get this money from, but you're like, Oh, I know exactly where I'm gonna get it from. Because I have this account of money I haven't touched for 20 years, you can pull it out from there. And that can be like, it doesn't have to be a savings account at the bank. Exactly. That could be an account that is actually generating, maybe, you know, 4% or something like that, right? So you're making money on it, especially if your loan is only like 2.3%. So you could take that money that you would be paying toward that loan, put it into an account that's maybe making even if you're making 4% You're still making money on on that money in there so that when the time comes to pull it out to pay your taxes, is number one, you're not penalized. So it's not like you're putting into a 401k plan or an IRA or something like that, but just putting it into some sort of an account that can make you some money on the way.   10:12 Exactly. And that's where a certified financial planner comes in, because they can set you up with a savings plan over those 20 years that can get 810 12%. So you're actually saving a ton more money, and you're paying way less when it comes to it. And the you know, the rate the APR is, is even lower. So I don't, I don't want to throw out a bunch of like, you know, terms and, you know, definitions and stuff that are just kind of boring and not very sexy, to be honest with you. But we do have to kind of know a little bit about this stuff. You don't have to be an expert. Again, I'm not. But I know enough. Now I'm educated enough, because I took the time to talk to that certified financial planner and figure this out and sit there, it only took maybe an hour or two, to sit there with them and go through the plan and look at it and say, Alright, here's where I am. Here's my goals and plans. Which program is best for me. Okay, great. Let's get on that program. And then you know what, now let's figure out how we're going to pay it out. You know, and there's several different ways to do that, too. Right? You just have to come up with that number at the end of those 20 years. So how do you want to do that? And, you know, that's where my expertise kind of comes in? Is the elimination part of it? Yeah.   11:17 Yep. So let's talk about that. Let's talk about how do you eliminate that debt. And I know one thing that you speak about is having multiple income streams, I'm sure that's part of this conversation, but I'll throw the mic over to you. So you can talk about the elimination part. What does that mean? Yeah, so   11:33 originally, when I wrote my book, right, peak educator, student debt eliminator, I thought I could just start a side business or to write and make a bunch of money, and then throw all that money that I made toward the student loans and pay them off in a year or two and be done. That was my plan. And realistically, I probably could have done that, I probably could have knocked them out in about three to five years total, and been done. But that's kind of what the banks want you to do. Right? That's what these loans, processors wants you to do. They want you to pay all your loan off as quick as possible. So they get all the money and make all the interest, right? Well, after talking to the Certified Financial Planner, I said, Okay, well, if my loans are gonna go down from you know, 700 a month and 135 a month, that leaves me a good extra chunk of money that I can do stuff with, right? And he's like, Yeah, absolutely. He's like, in truth be told, as long as you're putting your a lot of money every month into your savings plan, or whatever, you know, investment plan, if you will, to pay off that 20th year, you can do anything with the money, right? So I figured, okay, well, could I invest it in stocks? And he's like, yeah, you could do that. I said, What about crypto? And he said, you could do that? What about real estate? Can I do that? Yeah, absolutely. So that's been kind of my plan is like, Okay, let me start a couple of side businesses that generate income and revenue for now. So that I can put it toward investments that don't kind of take me on the long term. Right. And I think realistically, you know, I think almost every millionaire has several different streams of revenue, right. And I think that we need to start thinking about that, as soon as we either enter grad school, or immediately after we finish grad school, you know, what is our plan for long term wealth? Right? How are we going to take care of ourselves, as well as our family, you know, that might not even exist yet. As well, as, you know, future generations, you know, we're talking generational wealth here. And it's not like, you've got to be a millionaire, right? But you know, a couple of six figure incomes, that can help a lot of people, right? I mean, you can take care of a family, or two or three down the line, even, you know, making several six figures over the course of many, many years, you know, and then if you invest it, right, you can put it in places, like we talked about, like rental properties, or something like that, where, you know, once those pay off, the mortgages are done on those in 15 or 20 years? Well, now you're going from making two or $300 a month in rent, up to, you know, 18 or 2000 a month, per per house, right? And that's where you get into that generational wealth. So, you know, for me, it started out as a simple mobile PT practice, right? I was by myself in a car with a table and some sheets and a bag with some equipment in it. And I was just driving around, you know, Waco, Texas, just kind of helping people in their homes or their offices or the gyms. Because I knew I could do that. I knew I could start that business, right? I had enough expertise in the physical therapy world to be able to run a small practice on my own. And I didn't really want to be tied down to the brick and mortar. I didn't want to have a high overhead. I didn't want to do any of that, you know, so I just started my own little business. And it started out with a crossfitter, too, you know, and that was not my demographic. It was just people in the community that I knew that asked if I can help, and so I did. And then Luckily, one of the women that I worked with, her husband had some shoulder and elbow issues and he was a big tennis player. So she said, You treat the arm in the elbow and choice it. Yeah, absolutely, I can do that. So once I started talking with him, he's a CEO of a small business in Waco there. We got him better, we got him back in the tennis court, he was feeling great. And so then he started referring me to all his other CEO buddies, and the CEO buddies and C suite level execs, right, and all these busy businessmen and business women. And it was great because I was I was selling them time, right, it wasn't so much about the physical therapy, or whatever it was, it was, I was buying them back time because I could come to their home or their office or their gym, and they love that. So it was just the right niche for me in the right, you know, they had expendable income, most of them because they were, you know, own their own business. So it was a really good group to get into, and a really good niche to break into. And, you know, word of mouth spread. And that kind of took off? Well, once that kind of happened, I really started having to figure out how to like market myself better, and how to do some, like digital marketing, you know, Facebook ads, Google ads, stuff like that. And I just didn't know that I didn't have that skill set, you know. And so I had to take a course in that and learn from it and kind of invest in myself. But once I did get better at that, you know, I even took a copywriting course and read a bunch of copywriting books as well. And once I started getting better at that a bunch of my buddies that I graduated PT school with saw what I was doing with Facebook ads, and they said, Hey, could you do that for our business? And I was like, yeah, I'm sure I could probably figure it out. They said, We'll pay you and I was like, Okay, great. That sounds awesome. You know, and that's where my agency kind of started, right. But one of the second pillars of revenue for me. You know, I kind of started a little bit of a digital marketing agency unintentionally. And so I did that for you know, that a year or so. And that even brought me outside of the field of physical therapy as well. I did it for a couple local businesses, some home renovations, some roofers, pool builders, stuff like that. And it was really working pretty well.   16:58 And then, you know, COVID, started hitting and things kind of got a little crazy. And I was still working full time in the clinic, too. And so with my wife being a type one diabetic, and already being immunocompromised, I had to kind of step back from that a little. And I stepped away from the clinical side of things. And that same week, the head of the program at university, St. Augustine emailed me and said, Hey, are you still interested in teaching because I spoken to him at the ETD graduation in 2018. And, you know, I said I wasn't, but now it's actually looking like a pretty good option. So I stepped out of clinical work, I headed into academia. And while I was doing that, you know, it really became a good fit for me, because, you know, I talked online most of the time, and then I had to go up and be there for labs. But it also gave me a lot of free time to work on my side hustles, and my side businesses, you know, and that's kind of how I fell into the consulting gig as well, like, that wasn't something I ever thought I'd be doing either. But I worked for workman's comp company as well up there in Waco. And I said, Hey, we should be educating these businesses to injury prevention and wellness and how to properly lift and ergonomics and all that. They said, Oh, no, we're not going to do that, you know, that's gonna eat into our PT numbers. And I said, No, it won't. Because I can't stop somebody from running over someone's foot with a forklift, it's gonna happen, accidents are gonna happen, you know? And they said, Well, no, we're not going to do that. So I said, Alright, fine. I'll do it myself, you know. And so I just went around to all the companies locally there that were sending us workman's comp people. And I said, Hey, would you like to lower your workman's comp numbers? And they were like, Yeah, sure. And so I go in, and I educate the workforce. And, you know, you can charge good money for consulting. I mean, I was able to charge you know, 1000 bucks to 1500 bucks an hour for two hours worth of work. So now it becomes a matter of, Okay, do I want to see patients at $200 an hour, which is a pretty fair rate for physical therapy, right? Cash pay at a network? Or do I want to work two hours and just, you know, educate these people and use my add my education background combined with my PT background, to kind of help them with injury prevention and wellness. Right. So again, it just kind of one of those things that fell into my lap, that wasn't ever something I thought I would do it just the opportunities were there. And I just kind of sees, you know, it was like, seeing like these opportunities out there and just realizing that holy cow, this is where I knew I was fine. Having a PT, you know, DPT and an add, not necessarily wanting to use them even though now I am, you know, more traditionally. But being able to leverage those degrees into other opportunities. You know, I'm not a huge believer in luck, I kind of feel like you make your own luck, you have to work hard and you have to network and leverage, you know, with the right people at the right times about the right things. And then you'll start seeing those opportunities, you know, kind of open up and you have to be ready to jump on those opportunities when they present themselves. So, you know, that's, that's kind of where a lot of these streams of revenue started from. It just kind of happened, you know, and I fell into them and I got better and better and better at it. I went, and then I was able to help more people with them as well.   20:04 Yeah, it sounds like you've gone from one to the next to the next to the next, which is, which is good. You're sort of keeping yourself open and you're learning and, and understanding like, Hey, I don't know how to do this. So I'm going to educate myself and learn a little bit more, and be able to do things that may not be at face value, what you went to, quote unquote, school for, but yet they are.   20:32 Yeah, I mean, we learn so many amazing skill sets throughout grad school, you know, whether it be the DPT program, or the ed d program, systems, right processes, standard operating procedures, things like that, like clinical development, and, you know, clinical thinking skills, critical thinking skills, all these things that we learn, are a lot higher level than a lot of the general public already know and deal with. So we can help by kind of bringing those things down and simplifying them, just like we would talk to a patient, right, if you're using layman's terms, you know, and I think the key here is to realize that we have a lot of these skills already, you can keep one foot in the healthcare boat already. Or you can diverged and go a different route. And you know, some of these skill sets, you're gonna have to learn because not everybody's, you know, born a natural with a lot of these skill sets. And that's okay, I've done that. But it's a good combination of taking as much as you already know, and pushing in on that. And then adding and supplementing a little bit here and there, when you find that you need it. You know, and that's where I think taking courses and paying for mentors, and doing all that stuff speeds up your timeline a little bit. You know, and that's why I'm a big believer in that I've had many coaches, many mentors over the last couple years, and they've totally sped up my timeline and showed me mistakes that they made and made sure I didn't make the right, you're still gonna make your own mistakes, there are a lot of them are going to be different than what your mentors went through, right? That's totally normal. But it's, it's realizing that they're not failures, they're just learning opportunities, you know, and I think we as pts are really good at being lifelong learners. And so it really shouldn't be a problem to dive into a skill set you're not familiar with, and just, you know, put your ego aside and being like, Alright, I don't know this, I need to learn it, here's a good resource, here we go, you know, just keep kind of attacking it until you get it right. You know, and I think at the end of the day, these multiple revenue streams now that are kind of growing are great, I love them, I'm very passionate and energized about them. They're definitely like passion projects for me, you know, and zones of genius for me, but it's a good way for me to get an outlet of creativity, I think, because I was an English major before I was a PT, right. So, you know, that to me was was a big transition in itself. But that's also helped me monetize blogs, monetize my book, right? monetize, SEO, and email sequences and copywriting. So, you know, again, all those things kind of fall into that consulting, revenue stream. But, you know, I had to learn how to adapt that English major into copywriting or into email marketing, or whatever it may be, you know, and I think the one key takeaway that I've had with all these revenue streams, is you've got to do one at a time, and you've got to get it flowing. And then you can step on to the next stream of revenue, then get that up and running, then get that flowing. And then step onto the next one. And again, you know, if you don't do that, you're going to fall for that shiny object syndrome, right, and you're going to be kind of chasing around, Ooh, that looks cool, that looks cool. I could do that, oh, I could do that, oh, that person's doing that, Oh, that looks really good. They all work. And you can do all of them, for sure. But you've got to get one down first, and then move on to the next and there's going to be you know, arguments and debates over what number is the right number to walk away from the first one and go on to the second one. I don't think it matters, I really don't just get it up and running, make sure it's making you some money, make sure it's profitable. And then when you're ready to step on to the next project, you're still gonna go back to the first one, you know, you're still who knows, you may even hire somebody to take over that portion for you. You know, but just knowing that there's multiple opportunities out there for physical therapists for healthcare providers, I think it's a great stepping stone for you to kind of open your mind a little and get out of that nine to five clock in clock out clinician mindset, you know,   24:15 and where are you now with? How many streams of revenue Do you have at the moment? And if you could put it in a pie chart, what is what makes up what? Because I think people would really be curious as Jeff, you mentioned a whole bunch. So where are you now? And what does it look like?   24:32 So I essentially what I teach, you know, all my students, I have what's called the feelgood method, right? Which is not just a clever play on my last name. It's also you know, how I make my students feel good about staying organized with their streams of revenue, right. So there's an umbrella on top and that's your holding company, right? For me, it's feelgood industries. pllc. Texas recommends if you have a professional license that you get a pllc it's different for every state. But, you know, doctors, lawyers, dentists, they all have pllc Alright, so since I started as a mobile clinic, I started as a pllc. then underneath that I had about four or five different revenue streams or tubes of revenue, that each of those was a DBA, or doing business as underneath the pllc. Eventually, I'm probably gonna have to turn some of those into their own individual LLC and make the pllc an actual holding company, but I'm not there yet. So, you know, with each stream of revenue, like I said, I have a couple little numbers next to each stream. And those are the checklists, things that you have to get done in order for that stream to start running. So I made a shift recently, because of my changing career, you know, like I said, the goal is to try to, you know, kick the bucket of the nine to five and do your own thing, you know, and go all in on entrepreneurship and your own business eventually, right? That's the hope. For me, my story's a little bit different, because my wife is a type one diabetic. And we need not just medical benefits, but good medical benefits, right? My nine to five might always be there. And I'm okay with that. I've learned how to kind of find the best possible job with the best possible benefits. and academia has afforded me that right now. So I'm able to do that, you know, at a little bit lower rate of like 32 hours a week instead of maybe 40. And that gives me more time then to work on the businesses. So while I was doing a lot of the mobile PT at first, that's kind of decrease now, because like I said, it's like, do I want to treat patients for $200 an hour do I want to do consulting at 1500? An hour, right. So I would say overall, you know, I've got the mobile business, I've got my online business and PT educator Comm. And then I've got my consulting, business, FTI consulting, and those are kind of the three main revenue streams. Now in those revenue streams. There's probably, I don't know, three or four different services, if you will, that are offered. You know, the consulting can be anything like injury prevention and wellness, because I've got that systemized. And I've got templates for that now where I can just come in, do the tour, see what's what, and then put together a presentation overnight. And then that also will have my copywriting little digital marketing. It'll have you know, Facebook ads, Google ads, it'll have copywriting, email, all that stuff underneath the consulting. And those I can charge, you know, for just one little piece, or put together a package where I'm like, Hey, here's what you need, here's what I recommend, you can go ahead and do it based on my outline, or if you need my help, here's my price, right, my fees. And then PT educator comm is just like I said, my online site where I do a lot of my blogs, I have a lot of the courses for sale and stuff like that. And that's just really to kind of keep me up to date on my writing. And, you know, my blogging skills and stuff like that just recently passed them the mark for 1000 subscribers and 4000, watch hours for YouTube. So I cannot monetize that as well. So the vlog cast, which I do one episode a week of an interview with somebody who's done that particular side, hustler side gig, starts out on YouTube, and then eventually makes it to the podcast in audio form. And that actually, the podcast hasn't even come out, that'll start September 1. With the first few episodes, I'll probably release three or four and the first one, and then do one a week after that. So if you want the new fresh content, you go to YouTube and watch the video if you want to catch up, you go to the podcasts. But if we're if we're giving it a breakdown, you know, I would say we're probably at about 60% of consulting at this point. And coaching, I kind of put coaching underneath that as well. And then I would say, you know, the the online business is probably about 30% at this point. And then treatment is just at this point, word of mouth, close family and friends here in the Wimberley area, you know, 10%? If that?   28:54 Yeah, got it? Yeah, I think that's really helpful for people to hear so that they're like, wait, I don't understand how, how is someone doing all of this at one time? Do you know what I mean?   29:03 Yeah, and let me make this clear, too. So 32 hours a week is still dedicated to my full time job and Right, right. So that gives me maybe eight hours extra to get to a 40 hour week, and then I work 50 or 60 hours a week, there's you know, I love that stuff, though. I would do that for free if I could all day every day, because that's what gets me excited, you know, the passion projects, helping people figure out a business model. So you're, you know, figure out what they can do for side hustles and side gigs. Even if it's just making an extra 500 bucks, you know, a week or something like that, you know that that could be huge for somebody who's having to pay 2000 bucks a month for student loans, right or 1500 bucks a month for student loans. So if we can figure out a side hustle or side business to get you started, at least, maybe you grow it big enough to the point where you can walk away from that nine to five and that's great if that's what you want to do. You know, but but I'm also to the point where I was working 60 or 70 hours a week for someone else and trading time for money and just wasn't cutting it. So I've scaled back, I've been able to, you know, increase my value on certain things and, you know, raise the prices on things enough to where I'm working less time and making more money. So it's like PRN rates don't even, you know, don't even cut it for me anymore. It's not even something I would look at. It's just not worth my time, because the money's nice, right. But the time freedom is really what you're looking for, I think, you know, I think people are, are looking to claim back a lot of that time with their family, not having to work weekends, not having to stay, you know, all hours at night at an outpatient clinic, doing notes and trying to, you know, stay on top of things. So, I know I've been there, man, it's a grind. And, you know, it's nice to be able to use my add and teach and to use my DPT and use that knowledge toward you know, something as trivial as a fantasy football injury course, right? That was one of the first courses I ever made. And then, you know, video gamers eSports, I did an Esports ebook on injury prevention for gamers, right? Like, that stuff is just fun to me, you know, I love that stuff. And we can use our knowledge to help those people and solve those problems. So why not do that? Right? Why not find a hobby or something you like? And just go all in on it, you know, and use your knowledge to help people. You know, so that's been a big a big finding for me over the last year or two, it's just that, you know, you don't have to work as hard. You know, you can scale back, you know, charge what you're worth, and make a lot more money in a lot less time. You know?   31:29 Yeah, that all makes sense to me. And what would be your says, we kind of come come to a close here, what, what is your biggest, your most important piece of advice for people listening, if they could take one, if you were like, oh, man, if you just took one thing away from this talk, this would be it.   31:51 Yeah, I think physical therapy or your profession, your career just has to be the tip of your iceberg, right? I mean, again, like I said, we as physical therapists can do so many things, we can help so many people, and it's like, if I go and treat a patient, you know, one on one, that's great, that one person gets better in that hour, maybe times eight hours a day, there's eight people, right? If you want to have a bigger impact, and you want to affect more people, right? Then maybe you coach somebody or teach somebody, you know how to start their own business. And now that person's treating, you know, 50 people a week. So now you're impacting 50 there, and the few that you were teaching, then you coach somebody else on something else, and they're helping, you know, 20 businesses, you know, with their patient intake model, and they're, you know, they're doing things, you know, at a higher rate. So now you're helping 20 businesses with 50 patients each, right. And so I think more impact can come if we realize that we're more than just a physical therapist that goes in and treats eight people a day, or 20 people a day, or 30 people a day, or whatever you're treating, right? Like we can do so much more. And we just need to think outside the box a little bit, you know, and be a little bit more than that nine to five clinician that clock in and clock out, you know, and then again, by having a bigger impact by helping more people, right, and then coming at it with a servant's heart. Money is just a byproduct, you can then take that money and pay off your student loans quicker if you want or invest in things that are going to make you more money down the line so that you can pay off the student loans, should you want to do it over a longer period of time. Either way, you know, it's just about opening your eyes and seeing that there's a whole lot more out there than just you know, going to outpatient clinic every day and seeing your patients.   33:29 Excellent, excellent advice and great takeaway. Now, where can people find you if they want to learn more about you what you're doing and how to get in touch with you?   33:37 Yeah, sure. So all of my tags are pretty much at p key educator on all the social medias. And then the book is on Amazon. It's available in softcover. And in Kindle, it's called PT educator, student debt eliminator, multiple streams of revenue for healthcare, academicians and clinicians. definitely have a second edition coming out pretty soon. So check it out, out while you can. You know, I'd love to see people hop on the second edition as well, because there are a couple of key changes with all the stuff that's going on nowadays, with cryptocurrencies and, you know, all sorts of investing strategies and stuff like that. So I'm still learning, you know, lifelong learner for sure.   34:13 Absolutely. And last question, what advice would you give to your younger self, knowing where you are now in your life and in your career? Yeah.   34:22 Don't Don't worry, as much, you know, just leverage the heck out of your, your career and your degrees. You know, use them to do what you want to do and what you enjoy doing, you know, leverage the heck out of it, you'll be fine.   34:37 Excellent, great advice. I've heard that many times on this show. So, Scott, thanks so much for coming on. This was great. I think you really gave people a lot to think about and some inspiration on maybe how they can use their passions and and think outside the box a little bit. So thanks for coming on.   34:57 Absolutely. Thank you, Karen. It's been a pleasure.   35:00 Absolutely and everyone, thanks so much for listening. Have a great couple of days and stay healthy, wealthy and smart.

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