Podcasts about rulethe

Show Notes:Everyday Millionaires by Chris HoganThe Trinity Study about the 4% RuleThe 4% Rule: The Easy Answer to “How Much Do I Need for Retirement?” by Mr. Money Mustasche List of Index Funds- Charles Schwab Vs. Vanguard Vs. Fidelity: How These Total Stock Market Index Funds CompareVanguard Funds: VTI vs VTSAX Comparison GuideCommunity Shout Outs:Thanks, India for your compliments on our sabbatical episode!Thank you Arul for listening we are excited to hear about your manifestation app and future podcast!Find more show notes and interact with the Build A Wealthy Spirit community at buildawealthyspirit.com!

In this fast-paced episode of the eCommerce Evolution Podcast, I sit down with Neil Twa, co-founder and CEO of Voltage, to discuss the future of Amazon selling. Neil, a brand owner, investor, and podcaster himself, shares invaluable insights on how to navigate the evolving Amazon landscape in 2024 and beyond. From AI-driven changes to brand-building strategies, this episode is packed with actionable advice for sellers looking to stay ahead of the curve.Key topics covered:The impact of AI on Amazon's search algorithm, including the upcoming Cosmo engine and how it will revolutionize product discoveryAmazon SEO strategies for 2024, focusing on optimizing images, titles, and overall listing qualityThe importance of building a true brand on Amazon, moving beyond just being a sellerStrategies for profitable growth, including Neil's 20% EBITDA target and minimum $12 net profit per unit ruleThe future of Amazon selling, including the potential need for design or utility patents to defend against competitionWhether you're a seasoned Amazon seller or just starting out, this episode provides critical insights to help you thrive in the ever-changing world of e-commerce. Don't miss Neil's expert advice on building a sustainable and profitable Amazon business in 2024 and beyond.

While most Canadians view student loans as an investment rather than an expense, they can become a burden after graduation. As the years go by and more unsecured debt is added, it can be a struggle to keep up. If you are contemplating filing for personal Bankruptcy in the hopes of discharging your student loan debt, you need to make sure your timing is right. Licensed Insolvency Trustee, Francyne Myers goes through the rules for including student loans in a Bankruptcy. She also discusses:The seven- year ruleThe importance of accurate study period ending datesWhen it makes sense to keep paying student loansSingle date approach & multiple date apreachThe 5 year court application ruleChances of obtaining further student loans after BankruptcyIf you are unsure of where to turn, a Licensed Insolvency Trustees should be your first call. They are considered some of the best debt professionals in the country and the only ones licensed by the federal government of Canada. The initial consultation is always free and you can be assured that you will receive unbiased advice.About Francyne MyersIn 2012, Francyne left her 23 year public service career and joined Allan Marshall & Associates where she completed her education and became a Licensed Insolvency Trustee in 2013. Alongside with her work she is actively involved in her local Trustee Association. In her spare time Francyne can be found fishing and spending time with her family.  Additional Resources Allan Marshall & Associates Licensed Insolvency TrusteeStudent Loan Repayments: What to Do to Afford ThemNational Student Loans: How Repayment Assistance Plan (RAP) Works

The SolarWinds breach exposed vulnerabilities within DevSecOps practices, sending shockwaves through the tech world. The U.S. Securities and Exchange Commission (SEC) indictment against SolarWinds further emphasised the gravity of the situation, alleging the company misled investors by failing to disclose these vulnerabilities and the subsequent breach adequately. This lack of transparency raises crucial questions about accountability and risk management in the mobile app development landscape, pushing organisations to re-evaluate their DevSecOps practices and prioritise robust security measures throughout the entire development lifecycle.In this episode of the EM360 Podcast, Head of Podcast Production Paulina Rios Maya speaks to Richard Stiennon, Chief Research Analyst at IT-Harvest, and Tom Tovar, CEO and Co-Creator of Appdome, to discuss: The SolarWinds indictment The U.S. SEC 4-day ruleThe impact on DevSecOps practicesBYOD and VPN security The evolving role of cybersecurityBuilding cyber resilience

This week on For The Love Of MotoGP:Tim and Steve review the latest race in Misano, Italy. Talking points for this episode include:The silly season rumours that dominated the weekendDani Pedrosa's exceptional skillThe 105% ruleThe pair also discuss the top 5 finishers across all classes and briefly touch on the MotoE champion. Enjoy the showJoin us in the For The Love Of MotoGP Facebook CommunityFantasy League – T2L2S9NMPatreonYou can also find us on Instagram and Twitter @fortheloveofmotogp or you can reach us by email at fortheloveofmotogp@gmail.comReference material for this episode came from: motogp.com | the-race.com | wikipedia.org | speedweek.com | crash.net Thanks for listening!

Are you curious about the inner workings of your brain and how it affects your daily life?In this episode, we have a very special guest, Dr. Jill Bolte Taylor, a Harvard-trained neuroanatomist and renowned author, who shares her personal journey of stroke recovery and how it became a catalyst for her extraordinary insights into the inner workings of the brain.She explains the difference between our right and left hemispheres and how there are four parts that lead to four characters living within us and emphasizes the importance of recognizing and differentiating these parts of ourselves to make choices in how we want to be and show up in the world.We also talk about :The importance of nurturing all four characters in our newborns and in our young peopleShe breaks down myths about the brainWhy the emotional part of the brain is so crucial for learning and growing and our own survival.She explains the 90s ruleThe usefulness of breath work to connect with the present moment.The impact of these 4 characters in relationships and a simple tool to handle conflictsWe talk about how to deal with anger and rage.The importance of creating healthy boundaries and how to do it.Taking responsibility for your choices and the energy you bring into any situation and being able to apologizeWhat to do when you feel discouraged or you are on the path of mastering something.In addition, Dr. Taylor shares her insights on using art as a tool to pull oneself out of negative emotions.Listen to the full episode to gain a deeper understanding of your own brain and how to live a more fulfilling life. Learn how to bring all four characters of the brain into a conversation, and how to recognize and differentiate them in order to make choices in how you want to be. Become more well-rounded, and exercise your own personal freedom. Join me as we explore the concept of whole brain living with Dr. Jill Bolte Taylor.Thank you so much for sharing your LOVE for the Podcast by sharing it with Friends, Subscribing, Rating & Leaving a Review.With Love  - CristinaTo support the podcast:Patreon: Patreon.com/ChangeMakerTo contact Dr. Jill Bolte Taylor:      Web: www.DrJillTaylor.com      Instagram: @ drjillboltetaylor      Facebook: @DrJillBolteTaylorYoutube: https://www.youtube.com/channel/UCHfUhV_xjrJLPiLZSlTRNvgTo buy her books:https://www.amazon.com/stores/Jill-Bolte-Taylor/author/B001J8ZIJKTo contact Cristina Pujol:      LinkedIn: @cpujoljensen      Web: TuyTuMente.com      Instagram: @CristinaPujol7 @changemakersmind      Instagram  of "Tú y Tu Mente": @tu_ytumente      Facebook: @tuytumenteMusic: Gonzalo Grau - Frutero ModernoEl Frutero Moderno en Spotify

Shaun Rawls, Founder and CEO of Rawls Consulting, is a progressive, growth-minded, influential leader that invests in people and businesses centered around residential and commercial real estate. Shaun is also the author of "F"-It-Less: 18 F-Words to Reframe and Repurpose Your Life. During this episode, Shaun talks about his book, the path towards launching his real estate career, strategies for making good decisions and what motivates people to justify their fights for their limitations against the change they envisioned for their lives.Relevant links:The book: Next Generation LeaderColin Powell's 40/70 RuleThe book: The 15 Valuable Laws of GrowthAdditional Shaun Rawls ContentConnect with Shaun Rawls:LinkedIn: https://www.linkedin.com/in/shaun-rawls-85391a9/The Book: F-It-Less: 18 Words to Reframe and Repurpose Your LifeConnect with us:Instagram: https://www.instagram.com/guidingheroesig/Facebook: https://www.facebook.com/guidingheroesTwitter: https://twitter.com/guidingheroes

Sometimes rest is more important than productivity, but if you need some motivation here are 3 things to consider. The 1% RuleThe 3 E's Philosophy Ask for helpDon't forget that this life is NOT a solo mission. You can tap into these suggestions when you're feeling drained, and don't be afraid of judgment if you're totally spent. You do a lot for your loved ones, so take the time you need to recharge and use these 3 steps to get back into the swing of it without the overwhelm! Highlights from this episode:(01:43) Sometimes we just need to be in our PJs(04:19) You have permission to relax(08:48) The 1% Rule never fails(12:33) Enhancements(14:59) This is not a solo mission(17:35) God is always listening Mentioned on this episode:Ep 1: The 3 E's PhilosophyEp 60: Ask For HelpEp 96: Paralysis by AnalysisEp 98: The 1% Rule I hope this episode offers a little back up for moving forward when you'd rather be laying low. Enjoy some chill time. We all deserve that. Then set your own pace for implementing organization strategies into your life. If you're in need of some more motivation, get a copy of my book or listen to the audio and follow the prompts to get started organizing! (Link below) Helpful Links:Book your VIRTUAL Organizing Session with me today! Here's my 3 E's Checklist for getting organized.Grab my book on Kindle, Paperback, Hardcover, or the Audiobook NOW on Amazon:I'VE GOT YOU, GIRLFRIEND!Why Getting Organized & Living This Mom Life is NOT a Solo Mission SUBSCRIBE to the Mom's Organization Motivation YouTube Channel here. For more resources to organize and style your busy life in 3 simple steps, checkout EverythingWithStyle.com, listen to my FREE Masterclass, and connect with me on Instagram @everythingwithstylemom for some organization motivation!

Who is Heath Barnes?Heath is a mortgage lender and does a show for mortgage lenders. We connected about our mutual connection for real estate and Heath has had an amazing career. He has been a top producer in the mortgage business since 2002. In his current position, he is the branch manager for Cardinal Financial where he spearheads a six-person team that is full of dedicated, fun loving, and driven professionals. He has a combined 35 years of industry experience, and they have closed over $50 million a year in loan volume. Heath is a native Texan who graduated from Texas A&M with a BBA in business and marketing. The energy and passion he demonstrates for the business coupled with his competitive spirits is apparent—even in his downtime. He's hiked to the summit of the Grand Teton (13,700 feet, he's a licensed pilot, a six-time Triathlete, and snow skier. He also has an amazing podcast called Mortgages Reimagined, where he coaches loan officers on how to build a business that support their life. “…if you're listening and you're not sure whether or not you're gonna make it through, I will give you a little bit of advice. One, find yourself a coach or mentor that will hold you accountable to those tasks that you need to do every single day.”“…most people are focusing on the doing when they should be focusing on the being. Who are they gonna be today that's going to attract the people that they wanna do business with.”Find out the following and more: How Heath built his business as a loan officerWhat he learned from the crash of 2008How a coaching organization helped his businessThe importance of focusing on today and staying out of your headWith the right coach and the right training, you can do anythingStaying tough through tough timesHow real estate is like a marathon…and how not to quitDealing with fear of failureThe benefit of going all in with your real estate careerTips for leading a teamHeath's platinum ruleThe importance of asking questionsResourcesWebsite/Podcast https://heathbarnes.com/Fear Setting by Tim Ferris https://youtu.be/5J6jAC6XxAIPodcast edited by Kenny Carfagno.Show notes and blog posts are created by Jennifer Harshman and RealtorEmails. John Schuchman is a licensed REALTOR® in Lancaster, PA, with Berkshire Hathaway HomeServices Homesale Realty and a part of the Andrew Welk Group. The opinions shared on this show represent the opinions & values of John Schuchman and do not necessarily represent the opinions & values of Berkshire Hathaway HomeServices Homesale Realty. The opinions & ideas shared in this podcast do not guarantee or promise any results of success to the listener.

Mama,One of the habits that get easily pushes aside when you're a busy mama is drinking water. Even though we know we need it - and we make sure our kids are getting enough water - moms still struggle to get their water in. Usually, as the school season picks up and we're rushing to get our kids everywhere it's even harder to make drinking water a priority, which is why I want to share three simple habits busy mamas, like you, can easily adopt to get enough water!‌Before we dive into those habits, I want to teach you an easy way to know how much water you should be drinking.‌The old formula was 8 glasses of water a day, and that's a great place to start, but the truth is that hydration isn't one-size-fits-all. Every person needs a different amount of water! Take your current weight and divide it by two to calculate how much water you need! It's that simple!That should be the baseline for your water consumption every day. However, you might need to add water for the following situations:Add 12 oz of water for every 30 minutes of exerciseAdd 8 oz of water for every cup of caffeine you drinkAdd more water if you're outside on a hot day‌Now, that you understand how much water you should be aiming for, let's set you up with a few tools to hit that goal!Water firstDid you know that we are most dehydrated when we wake up in the morning? During sleep, our bodies flush out toxins and repair our bodies with requires a lot of water! You need to rehydrate your body and set it up for another day of success by drinking water first thing in the morning!I keep a glass of water right by my bed so that when I wake up I can drink it. I like my water to be room temperature because I feel like I can drink more of it, but it's OK if you prefer it cold!‌If you don't want to drink water the second you wake up, that's fine; however, make sure you drink water before you have your morning cup of coffee or any caffeinated beverage, like a pre-workout.‌The acidity from coffee and caffeine can cause stomach issues if you drink it on an empty stomach! When you drink coffee, it sends a signal to your brain to start producing hydrochloric acid - aka stomach acid - but if there's no food for that acid to break down it can damage your stomach lining, prevent acid production in the future, and even lead to ulcers, indigestion and heartburn.‌I love, love, love my morning cup of coffee, but I always make sure it comes after water and preferable after a little bit of food so that there's something for the stomach acid to break down!‌I've also found that when I start my day with healthy habits like drinking water and having a protein-rich breakfast it's much easier to stick to healthy choices throughout the day! Water first, is the first step towards hitting your water goals!8x3 RuleThe 8x3 Rule is one of the easiest ways to remember to drink water, especially if you're a busy mom who is always on the go, like me!‌The 8x3 Rule is really simple. You just drink 8 ounces of water three times.8 ounces before a meal8 ounces with a meal8 ounces after a meal‌The reason this trick works is that it breaks your water intake down into manageable bits! If you were handed a 24-ounce water bottle and told to drink it all right now, could you do it? Nope? Me either - and I drink a lot of water! But there's something about chugging a ton of water at once that's just miserable!‌By breaking it down into 8 ounces it's so much easier to do! Plus if you use the 8x3 rule three times a day, you'll easily drink 72 ounces in a day! A few more cups of water here and there and you'll easily hit your goals!Replace 1 non-water drink a dayI know water isn't the sexiest drink in the world, but it is the most important drink we can have! I read an article where Angela Lemond, a spokesperson for the Academy of Nutrition and Dietetics said water was "the gold standard fluid for the body,"‌While we may love our coffee, sodas, energy drinks, crystal light, juice, milk, etc. There is nothing the body loves more than water!‌This is why I'm going to suggest you substitute one of your non-water drinks each day with water. I know, it's not fun or glamorous, but it will help you in the long run!‌If substituting your favorite drink out for a glass of water sounds painful, it's ok to spice it up and make it fun!‌If you like having soda in the afternoon, try switching it out for carbonated water! You'll still get the bubbles but it will hydrate you instead of dehydrating you!‌If you're looking for a caffeine boost, then water is still your best option! Water will give you an energy boost without the crash that coffee and energy drinks can give you. You can try flavored water to make it more exciting!‌‌Water is an essential nutrient and without it, we can't lead healthy lives. Creating a habit of drinking water will benefit you in so many ways - weight loss just being one of them! If you're struggling to take big leaps in your health, then start with drinking enough water during the day and look at what a huge difference it makes!Mama, just because you're busy taking care of your family doesn't mean you don't deserve time to take care of yourself too! I can help you learn how to make your health a priority while still crushing it as a busy mom! Schedule a free discovery today to feel betting in your skin! Schedule a Free Discovery Session here: http://bit.ly/DiscoverySessionKmoreHave a question? Email me here: Krista@KmoreMacro.comFollow me on IG: @kmoremacroJoin my Busy Mom Simple Nutrition FREE Fb group:https://www.facebook.com/groups/BusyMomSimpleNutritionLove Free Resources Go Here: https://theunraveledmama.com/resources

Hosts Rebeca Ibarra and Dave Smith bring you realtime news, updated when it happens. It's fresh like live radio, but on your schedule like podcasts. Welcome!Biden may release LOTS of oil from reserveUK: Russian soldiers morale at rock bottomBiden may revoke pandemic-era deportation ruleThe 1950 census will be released at midnightOklahoma Governor signs anti-trans law Coming up: why is it so hard to forgive student loan debt?Webex by CiscoAlex Jones held in contempt of courtAirbus A380 flies on used cooking oil Verizon customers receive scam messagesNASA spots one of the oldest stars in the universeTrump to be deposed over Biden-bashing tweetTwo Headlines and a LieCan Biden cancel student loan debt?The lie, revealedTalk to you soon!

Hey Friend,Have you signed up yet for our Valentine Challenge?! In this episode I chat with you about how to affirm our kids and build them up. What we focus on grows. I share the Valentine Challenge with you - the specific affirmations and adjective printables I made for you to use with your kid(s).I talk about in this episode:The 5 to 1 RuleThe importance of focusing more on the good and less on what they aren't doing or are doing that's irritating.The importance on going to school on your kids strengths and how this empowers them to thrive in their lives based on the research.How to make affirmations specific - I give some great examples.The importance of embracing fun  - it changes the energy and brings more peace, connection and playfulness into our relationships in our homes!Mentioned in this episode:Valentine Printables - Get Them HereMoms of Tweens and Teens Facebook Group - Join us HereGet on the Inner Circle Membership Waitlist HereSubscribe to our Newsletter HereJoin our FB Private Community Here

Click to download the Accompanying Spreadsheet. Review the Video Version.There are five simple formulas that every really estate investor must know and understand to be successful in real estate. If you master these simple formulas and truly understand and internalize them, property analysis and underwriting becomes simpler, quicker, and easier, and it just starts to make sense. These formulas are:Capitalization RateThe 50% RuleThe 1% RuleDebt Service Coverage RatioBreak Even Ratio

Episode 69In today’s episode, we talk with Don Henig, Co-Founder of AccrueMe, LLC. AccrueMe is providing growth capital for Amazon sellers with 0% interest and no payment requirements. You don’t even need to let go parts of the ownership when you work with Don’s team. The only way they will win is if your Amazon business wins. Does this sound too good to be true? Listen to this episode and learn how to grow your Amazon business! [00:01 - 08:23] Opening SegmentLet’s get to know Don HenigHis path to helping Amazon sellers [08:24 - 18:47] 2X Capital, 0% Interest, 0% OwnershipDon breaks down the unique business model of AccrueMeWhy Amazon sellers can benefit from AccrueMeWhat part of your business will AccrueMe support? [18:48 - 27:34] Not A Loan The only way you don’t win with AccrueMe Want some Amazon refunds? Check out GetidaPromo code: FTM400Don clarifies that their model is not a loan [27:35- 39:44] Timing is Everything Successful businesses have done this according to Don A true story about building a business  from DonWhy timing is important in any business [39:45- 48:03] AccrueMe’s No. 1 RuleThe no. 1 rule of AccrueMeLet’s get to know more about Don in the Fire Round!What separates success from failure according to Don [48:04 - 50:45] Closing Segment Connect with Don. Links belowFinal words Tweetable Quotes:“I love to do things where it’s a win-win. Everybody should be able to win.” - Don Henig“My idea is to provide you capital when you have the opportunities to grow.” - Don HenigResources Mentioned:Book: The Compound EffectEmail Don@accrueme.com to reach out to Don or connect with him on LinkedIn. Check out AccrueMe and grow your Amazon business now! ------------------------------------------------------------------------------------------Do you want to fire the man yourself? Send us a voice message and let’s see how we can help you! FacebookYouTubeInstagramEmail us --> support@firingtheman.LEAVE US A REVIEW!

In this episode I discuss some of the basics of finance.CashflowThe 70% RuleThe 4 primary accountsThe primary asset that will make you richPitfalls to avoidSupport the show (https://paypal.me/BronsonWilks?locale.x=en_US)

You have the power to inform, engage, inspire, and unite your school community with the stories you share. This podcast will help get you there!IN THIS EPISODE, MIA TEACHES USThe relationship between your website and your social media platformsHow social media should be your school’s highlight reel with her 70-20-10 ruleThe power of starting small with your social media strategyWays to create thumb-stopping good contentSPECIAL GUESTMia MajorPublic School Marketing Manager / School Marketing ConsultantFinalsiteEmail Mia at: mia.major@finalsite.com Website: www.finalsite.com Twitter: @FinalSiteInstagram: @FinalSiteFacebook: @FinalSiteLinkedIn: FinalSiteYouTube: FinalSite USEFUL INFORMATIONRegister now for School Marketing Day - October 29, 2020 - Click Here!Blog - 12 Social Media Mistakes Hurting EngagementMORE RESOURCESSign up for our free e-newsletter - click herewww.SocialSchool4EDU.comFree Video Training: Learn the simple secrets behind social media for K12 schools!

The 90/10% RuleThe subconscious mind is like the court stenographer. Its recording every trauma that has happened to us. Maybe it was the first time we got fired. Every bad thing that someone has said to us. That time that someone called us fat.  Left unchecked, all of that 'stuff' and scripts in our subconscious is operating on autopilot.I'm not deservingI'm not worthyI can never do that.When you say I want to lose weight. You are harnessing willpower. Willpower is about 5-10%.  You can see why its a losing battle.So today, we are going to talk about the 5 ways to reprogram the subconscious mind. #1 WATCH THE SELF TALK. RECORD IT. SAY THE OPPOSITE  If you are constantly saying something that is limiting, you will begin to believe that subconsciously, ie if you are afraid of flying (an example). Say something like FLYING allows me to feel the freedom of travel and experiences.#2 REPETITION AND CONSISTENCYAffirmations or the opposite of the negative self talk takes a daily commitment. It has to become anchored in your belief system. One of my favorite quotes is from Lady Gaga who told herself a lie each day that she was a star You tell yourself a lie enough, it becomes the truth. Mohammad Ali used to tell himself “I' am the greatest” Jim Carrey used to say to himself as he sat above Hollywood, “Everyone wants to work with me"For example- if you are afraid of flying, you have to consciously add positive thoughts and experiences around flying into your subconscious in order to REWIRE your belief about it. I call it RECALIBRATING, like a GPS system.#3 MEDITATIONQuiets the conscious mind and lets you become less aware of your surroundings and more aware of your breath, an image, or mantra that you are focused on. During meditation, you can focus on what you want and let your subconscious mind begin to reprogram with the new idea, image, and desire. You become less reactive.#4 VISUALIZATIONThe subconscious mind does not distinguish between false or true, research has proven, so if you are visualizing something strong enough, it will feel as if you are already doing it and store it as something that is part of your life. It will reshape your reality.#5 ANCHORED IN BELIEF“You don't become what you want, you become what you believe.” Oprah Self Fulfilling Prophecy- For example, if you wake up and immediately think-for whatever reason or for no particular reason at all-that today is going to be a terrible day, your attitude might make your prediction come true. You may unconsciously work to AFFIRM YOUR BELIEF by ignoring the positive, amplifying the negative, and behaving in ways that are unlikely to contribute to a positive day. This then becomes a self-fulfilling prophecy. This also happens in work "I won't get promoted". "I won't win that account". Etc, etc.

Just like your iPhone or computer can become obsolete and need to be replaced, sometimes the way people think about retirement planning and investing is obsolete and needs to be replaced. On today’s show we talk about some outdated financial rules of thumb that people still cling to, and more current, modern alternatives to use instead. The 4% RuleThe 10-5-3 RuleMoving stocks to bonds when you get olderAll you need is $1 million and you're set for retirementThe 80% Retirement Income Rule Tune in now to join us for this discussion!

Oscar Trimboli is the Deep Listening author, mentor, coach & speaker.About Oscar TrimboliHe is the author and the host of an Apple-award winning podcast called, Deep Listening. He is passionate about using the gift of listening to provide positive changes in the workplaces, homes and cultures around the world. Oscar works with executives in a range of industries like Microsoft, PeopleSoft, Polycom, Professional Advantage and Vodafone. He first-hand transforms the impact leaders and organizations can have with the power of listening beyond words. Connect with OscarWebsite: https://www.oscartrimboli.com/Linkedin: https://www.linkedin.com/in/oscartrimboli/?originalSubdomain=auFacebook: https://www.facebook.com/oscardtrimboliTune in:125/400 RuleThe reason why it's critical to pay attention and listen completely - including during the pauses, the silences and thoughtful moments in a discussion - is because of the simple maths between speaking and hearing. Although we can think at 400 words per minute, you can only speak at between 125-175 words per minute. So there’s a gap of 225-275 words per minute of what's not being communicated by words specifically.“We think at 400 words per minute, we speak at 125-175 words per minute.”The 4 Villians Sabotaging Your Listening 8:48There are 4 villains that can show up depending on the situation we’re listening in. And situation to situation - we listen differently in different contexts and scenarios. The Dramatic Listener loves listening to the emotions of your story but their orientation is themselves. The Interrupting Listener comes with good intention but is relatively impatient in finding a solution. To be so self absorbed by your thoughts or devices describes a Lost Listener. Lastly, the one who excitedly anticipates the future, trying to solve the problem before completely hearing it all is the Shrewd listener. You can take a 7 minute quiz to identify your listening villains at listeningquiz.com.“Listening is situational, relational, and contextual.”Listening in Full-HD-Colour 24:26Although only a small percentage of us don't see in color, Oscar says we all effectively listen in black and white. To unlock your ability to listen in color - discover your biggest barrier to listening. Oscar reminds us that blind people develop what almost seems to be extra-sensory listening abilities - these abilities are available to all human, but are we enganging our deep listening or are we simply distracted? Not until we listen to ourselves and empty ourselves from our distractions can we receive whatever anybody else is trying to say.“The difference between a distracted listener and a deep listener is not the fact that they listen better, it's the fact that one noticed they’re distracted quicker.” Oscar’s Personal Listening Ritual 27:06Oscar makes it to the point to switch off his phone, take three deep breaths and be hydrated before meeting someone. We gain a tremendous amount of benefits just by increasing water intake and connecting with our breath. These are very basic tips that can actually bring us to a stage where it's possible to be ready to listen.“A hydrated brain and oxygenated brain is a listening brain.”5 Levels of Listening 36:45Most often we are stuck in our own heads - listening to ourselves in our own echo chamber at level 1. When we’re in dialogue we engage in the second level of listening - listening to what’s being said, seen or the state of the person talking (You can see that level two depends on our efficacy at level one). Level three is taking it further than most ever do - which is to listen to the context or noticing the observable patterns in the conversation. In this episode Oscar shares key tips to increasing your level 3 perception. Level 4 is the gold of understanding others at a deeper level, closing the gap in knowledge and listening to the unsaid (non-verbal) by knowing the 125-400 rule. In this episode Oscar shares 3 key phrases to help discover what’s unsaid to dive deeper into level 4 listening in any situation. The deepest 5th layer of listening is to listen to and derive meaning - which moves the conversation forward.“The role of the listener is to help the speaker edit their thoughts, to refine them and get them to a place that’s beyond their current level of awareness.”“The role of the listener is to help the speaker get to a place that’s beyond their current level of thinking - by listening deeply.”Join the Inspired Evolution Community:Facebook: https://www.facebook.com/InspiredEvolution/Instagram: https://www.instagram.com/InspiredEvo/YouTube: https://bit.ly/inspiredevoWebsite: https://inspiredevolution.com/ See acast.com/privacy for privacy and opt-out information.

In late 2017, Gabriel Jimenez was approached by the Venezuelan presidency and asked to create a national digital currency, the Petro. Although very much against the regime, Gabriel saw this as a chance to save his country which was on the brink of economic collapse. A new currency that would move freely over an open network, like Bitcoin. And the government would not be able to control it. So he agreed. Things didn’t go as Gabriel had envisioned. Months later, Gabriel almost paid with his life when he was held at gunpoint by military guards in the President’s palace. He was accused of being a traitor to the government and was forced to hand over the project, which still hasn’t taken off. Last year he fled to the US to avoid being arrested and has since been granted asylum status. He is passionate about cryptocurrency and his country, and is working on a new way to combine the two. From the safety of the US, Gabriel is finally able to share his side of the story and wants to set the record straight on why he did what he did.Topics covered in this episode:Gabriel’s background growing up in VenezuelaGabriel’s return to Venezuela from the USVenezuela in the pre-Chavez daysLiving in Venezuela during Chavez’s ruleThe introduction of crypto to VenezuelaThe Maduro regime and how things got worse from thereWhen the government turned on Gabriel and his teamKnowing the risks of this projectThe current state of the PetroHow things could have gone differently so that Petro could have workedEpisode links: The Coder and the Dictator - Gabriel's first interview with the NY TimesThe Petro WebsiteThe Petro - WikipediaGabriel signing the documents on Live TVGabriel Jimenez TwitterThe Social UsThis episode is hosted by Sebastien Couture & Sunny Aggarwal. Show notes and listening options: epicenter.tv/343

The evolution continues with the Paycheck Protection Program (PPP). In this episode we discuss with Roxanne Sexton the newly released Forgiveness Application released by the SBA on May 15th. Many of the previously issued guidelines are clarified, new guidelines are provided and other questions remain. While there is talk and speculation about further changes to the rules, like extending the 8 week covered period and the 75%/25% split of how the money should be spent. However, at this point, those changes are just speculation.  SBA Releases PPP Forgiveness Application and Makes Critical Clarifications and Documentation RequirementsThere is now improved guidance on calculation methods, definitions of forgivable expenses and the documents that must be submitted with the forgiveness request. CONTRIBUTORCEO & Attorney at Directed IRA & Directed Trust Company     May 18, 2020 10 min readOpinions expressed by Entrepreneur contributors are their own.The SBA released its Paycheck Protection Program (PPP) Loan Forgiveness Application and clarified a few critical definitions and documentation requirements in their instructions. The forgiveness application is completed by the small-business borrower and is submitted to their bank or lender whom they received their PPP loan from. The application consists of 11 lines that when calculated results in the amount of forgiveness a small-business owner will be eligible for. The forgiveness component of PPP is what attracted small-business owners to take out PPP loans in droves, as the program promised forgiveness of amounts loaned so long as the small business used the funds for payroll, business mortgage interest, rent and utilities. For a summary on forgiveness rules please refer to my prior article here.Three-Part Calculation MethodThe application consists of a three-part calculation to determine the amount eligible for forgiveness. First, the application asks for the payroll and qualifying non-payroll costs that the business has spent over the eight-week period since it received its PPP funds (more on the updated definition of these costs later). The second step is a reduction in the forgiveness amount if you have reduced pay for employees greater than 25 percent or if you have not brought back the same number of full-time equivalent employees (more on that definition later). The full-time equivalent employee (FTE) rule requires a small business to reduce its forgiveness request if it does not bring back the same number of employees that it had pre-pandemic. The application does provide for a waiver of this reduction if the business failed to bring back its same employee count during its eight-week period but later brought back the same number of employees by June 30, 2020.Step three is the 75 percent payroll cost test, which states that the forgiveness request must be comprised of at least 75 percent payroll costs. The other 25 percent can only be rent, mortgage interest debt and utilities. If the forgiveness request in step three exceeds 75 percent, then you will instead take the amount of your payroll costs and will divide that by .75, and this will give you your total forgiveness amount. For example, if you had payroll costs of $70,000 and non-payroll costs $30,000, you would only be at 70 percent and would not meet the 75 percent rule and the $30,000 in non-payroll costs would need to be reduced. The application calculation ($70,000 divided by .75) would bring the total forgiveness amount to $93,333. This calculation is effectively reducing the non-payroll costs from $30,000 to $23,333, and now the forgiveness request consists of 75 percent payroll costs ($70,000) and 25 percent non-payroll costs ($23,333).Rent Includes Leases of Personal and Real PropertyMany small-business owners and their accountants and lawyers were unclear whether the lease of personal property was an amount that could be included in rent, and thus forgiven. The forgiveness application specifically states that rent incudes the following: “Business rent or lease payments pursuant to lease agreements for real or personal property in force between February 15, 2020 (business rent or lease payments).”It was clear that rental payments for office, storefront and other real property was going to be included, but the application now makes it clear that personal property items such as copiers, servers, autos and other common items of personal property that are leased by a business will be includable in the bucket of non-payroll costs that may be forgiven. Similarly, a business “mortgage interest payment” includes loans for real property and personal property, and as a result interest paid on loans for equipment, autos and other personal property items are includable and can be forgiven.   Utilities Definition Includes Internet, Transportation and TelephoneThe application also defines what utility expenses may be added to the application. These expenses include “...electricity, gas, water, transportation, telephone or internet access, for which service began before February 15, 2020.”Most of these utility expenses are straightforward. What falls under transportation is uncertain, but SBA guidance appears to define transportation costs as gas and other auto expenses that would usually be part of the auto deductions on the business-tax return.Average FTE CalculationIn determining your full-time equivalent employees before the pandemic and during the eight-week period, the SBA has given two alternative methods of calculation. The first method takes some math and seems complex at first, but will give flexibility and will meet the intent of the rule — that those small business who retain or bring back all of their employees during the eight-week period or by June 30, 2020 will not have their forgiveness request reduced.  The first option is to take the average number of hours paid each week for each employee, divide by 40 and round the total to the nearest 10th. The maximum number of hours per employee is 40 or 1 FTE. Let’s run a quick example for a small business with three employees.                Employee 1 Average Weekly Hours = 40                40 hours divided by 40 = 1                1 FTE                 Employee 2 Average Weekly Hours = 37                35 hours divided by 40 = .875                Round to nearest tenth = .9                .9 FTE                 Employee 3 Average Weekly Hours = 21                20 hours divided by 40 = .525                Round to nearest tenth = .5                .5 FTE                 Total FTE = 2.4 FTE Since the calculation method tracks each employee by the hours they worked, and since it is the same method to use pre-pandemic and during the eight-week period, it will fairly reflect the small businesses payroll costs and the hours worked without having to worry about whether an employee makes the cut as a full-time equivalent or if they are part-time.  The SBA is also allowing for a simpler method that assigns 1.0 for employees who work 40 hours or more per week and .5 for employees who work fewer than 40 hours. While this may work for some small businesses, there can be some losers in this method, as you may have someone who worked working 35 hours who is now only being counted at .5 under the simple method but would be .9 under the traditional method.Documentation of Payroll CostsThe application outlines what documentation will be required with the forgiveness request. For payroll costs, the business must outline these in a PPP Schedule A Worksheet and must identify each employee paid during the eight-week period. The business must also identify employees paid at an annualized rate below $100,000 in 2019 on one schedule and employees paid at an annualized rate over $100,000 on another schedule. The business owner’s compensation is included on a separate line on the forgiveness application, but still calculates into the application like any employee. Because of the per employee compensation restriction $100,000, no employee or owner can have cash/wage compensation that is forgiven greater than the annualized eight-week amount of $15,385. Consequently, the maximum cash compensation forgiveness request per employee on the Schedule A worksheet will be $15,385. Note that this $15,385 cap does not include health insurance and retirement contributions paid by the business.The forgiveness application gives flexibility to small businesses who have a bi-weekly payroll, such that they will be able to ensure that they can get four pay periods of two weeks into their eight-week covered period regardless of when they receive their PPP loan funds and when their regular bi-weekly payroll schedule hits. This was an important provision and instruction in the application, as many businesses were realizing that their payroll schedules weren’t in synch with the eight-week period, and as a result of their loan funding date and their regular payroll dates, they were only going to have three pay periods representing six weeks covered.To document the payroll costs, the SBA is requiring each of the following:Bank accounts or third-party payroll service reports documenting the cash compensation paid to employees.Tax forms (or equivalent third-party payroll service provider reports) for the periods that overlap with the Covered Period or the Alternative Payroll Covered Period. For tax forms, the SBA is requesting payroll tax forms (usually 941) and state quarterly wage and unemployment filings.Payment receipts, cancelled checks or account statements documenting the amount of employer contributions to employee health insurance and retirement plans.For many small businesses, there will be a significant time lag from when their eight-week period will be up and when a small business will file its quarterly 941s. As a result, many small businesses may have to wait for a month or two after the eight-week period before filing their forgiveness loan application. For example, if your PPP loan was funded on May 15, your 8-week period will run into July and will be part of second quarter (April-June) and third quarter payroll reporting (July-Sept.). This means you won’t have complete 941s to submit to your bank with the forgiveness request until October even though your eight-week period was up in July. We will have to see what flexibility the SBA is going to allow in this instance or if small businesses will just have to wait until October to submit their forgiveness application.It is unclear what documents a sole proprietor or partnership that does not have payroll and does not file 941s will use.Documentation of Rent, Mortgage Interest and UtilitiesTo document the approved non-payroll costs of rent, mortgage interest and utilities, the SBA is requiring existence of the obligation/service prior to February 15, 2020 and evidence of payments during the eight-week period. To document a business mortgage obligation, the business would provide a lender amortization schedule and receipt of payments as well as statements from February 2020 and during the eight-week covered period.To document rent or lease payments, a copy of the lease agreement must be produced showing it was in force before February 15, 2020. To document the payments, the small-business owner will need to produce copies of account statements from its landlord/lessor showing the payments or cancelled checks evidencing the payments made during the eight-week period. Small businesses who are paying rent monthly will generally be able to request two months worth of expenses during the eight-week period.The documentation required for utility payments includes an invoice or statements from February 2020 showing the utility service in place. To document payments made during the eight-week period, the business can use account statements showing the payments made, cancelled checks or bank-account statements showing the payment.Small-businesses owners will submit their forgiveness application and their supporting documentation to their bank, and their bank will have 60 days to approve or reject the forgiveness request. Attention to detail and a correctly completed forgiveness application will be key to ensuring the maximum amount forgivable. Understanding what is in the application now will greatly increase a small business's chances of receiving maximum PPP loan forgiveness. There are still many unanswered questions, but seeing the PPP forgiveness loan application is a big step ahead. 20,845 views|May 19, 2020,08:10am EDTFirst Look At PPP Loan Forgiveness ApplicationKyle WestawayContributorEntrepreneursI write about entrepreneurship, innovation and impact. On May 15, the Small Business Administration (SBA) released the long-awaited Payroll Protection Program Forgiveness Application. Under the Payroll Protection Program (PPP) entrepreneurs may apply to have up to 100 percent of their loan forgiven. However, the SBA has failed to give clear guidance on the details of loan forgiveness, and this has caused entrepreneurs to question what they need to do to prepare for PPP loan forgiveness. The new application provides clarity on a few points. Time Period for ForgivenessYou must spend the money on authorized expenses in a specific period of time in order to be eligible for forgiveness. There has been a slight update to the time period in question. Historically the window was eight weeks from the day the loan hit your bank account. However, if you didn’t receive your money the day before your regularly scheduled payroll period, you may have trouble deploying the full amount of payroll within the eight-week period. So, the new guidance allows you to choose the eight-week period that begins on your first payroll date following the loan disbursement.On May 18, restaurant owners met with President Trump and requested the SBA to extend the eight-week period to 24 weeks. This is especially important for restaurateurs since most of their restaurants are currently closed by government order. Trump seems to be considering it, noting that, “That should be easy," he said. "That's like one of the easiest requests I've ever heard." $2MYou must certify whether or not the total loan amount of your business, and/or your affiliated businesses, is $2M or above. The SBA has previously notified small businesses that loans of $2M or above will likely be audited, and the application shows how they will be flagging those companies.Payroll Reduction ExemptionIn general, you are required to maintain the average number of employees, and any reduction in headcount will result in a reduction in the forgivable amount. However, the new guidance makes it clear that your forgiveness amount will not be reduced for employee reductions related to: Individuals to whom the borrower has made a written offer in good faith to rehire but the employee declined (see FAQ 40);Employees whose employment was terminated for cause; orEmployees who voluntarily resigned.  Owner’s CapMany entrepreneurs have been struggling to calculate payroll costs because they pay themselves through owner’s draws, not a traditional payroll. SBA clarifies that any owner-employee or self-employed individual/general partner may calculate payroll costs as eight weeks of 2019 compensation. However, the total forgivable amount is capped at $15,385 per individual. 75/25 RuleThe 75/25 Rule states that at least 75 percent of your total forgivable amount must be comprised of payroll costs, and only 25 percent can be authorized non-payroll costs. Though many small business groups and the SBA Inspector General are recommending removing this rule, the SBA has made no change at this time. More Clarity Needed“It’s clear the application form and instructions provided yesterday are not enough,” said Erik Asgeirsson (president and CEO of CPA.com, and the American Institute of CPA’s business and technology arm) in a recent news release. “Some of the most pressing issues are not addressed. And in other areas, it appears new questions have arisen.”

Do you value freedom and time above all else? Are you craving a lifestyle doing what’s truly most important to you, while financially supporting yourself, your family, your hobbies, and your adventures?Today’s guest has done just that, paving his own way and achieving freedom on many levels: financial, time, and mental. He’s taught thousands of people how to do the same. Today, he shares how you can do it, too!Yaro Starak—an online entrepreneur earning a full-time income from the internet since 2004—walks us through his evolution of multiple businesses, identifying potential opportunities, and taking steps with minimal risk to start additional ventures. He debunks myths about passive income and digs deeply into the “how” of making a “laptop lifestyle” work.Yaro gives actionable tips to identify areas in which you’re an expert, then use that expertise to earn income by sharing that information with others. He tells us the lessons he’s learned along the way: from early goals of simply making money to intentional, conscious decisions to do something you love to working with people you really enjoy.And make sure you listen for Yaro’s recommendation on how to fast-track learning the ins and outs of a business you’re passionate about, closing your gaps in knowledge, and increasing awareness of how everything works before wasting time and energy charging full-speed ahead.Check him out, and subscribe to the BiggerPockets Business Podcast so you won’t miss our next show!In This Episode We Cover:How he built his "lifestyle business"Focusing on starting a 4-hour work week businessWhy entrepreneurs are always looking for opportunitiesThe 3 different types of freedomFiguring out how business worksWhy freelancing is a good starting pointHow he's able to manage his businessHis whole process in selling his courses and how you can do the sameHow to be good at the 80/20 ruleThe theory of constraints and sprintsAnd SO much more!Links from the ShowBiggerPockets PodcastBiggerPockets Forums Check the full show notes here: http://biggerpockets.com/bizshow43

In this episode, KT discusses:   Who makes better money decisionsWho’s more impulsive with investment decisionsHow you can be a part of the show  Key Takeaways:   KT’s 24-hour ruleThe importance of a “talk me off the ledge” conversationWomen manage $14 Trillion in assets    Quote: “Why is it important for women to be good at money? It’s important because 80% of women will die alone.” – KT   Click here to reach KT See KT’s interview on C-Suite Network’s Best Seller TV Connect with KT Thomas: http://ktsmoneymatters.com/ Purchase KT’s book- The Hardworking Woman’s Guide to Money Learn more about your ad choices. Visit megaphone.fm/adchoices

Is travel the perfect way to embark on a spiritual journeyor quest?How can travel expand your creativity?Please welcome Karan Bajaj to the Zero To Travel Podcast. He's a#1 best-selling Indian novelist with more than 200,000 copies ofhis novels in print. He took a year off from his corporate job inNY to backpack from Europe to India- to learn yoga and meditationin the Himalayas.Check out his new book, The Yoga ofMax’s Discontent and learn more about Karan Bajaj here.Today You'll Learn:The deep story behind The Yoga of Max’s discontentHow travel can help you become more creativeHow travel can blend with spiritualityHow to define a YogiHow to be like a tree (and not 'become' all the time)The meaning of 414How to crack entertainment and meaning in your storyThe way to multiply your adventuresHow to feel truly connected to the world while traveling(without social media)The Yogis 4-2-1 ruleThe right way to approach meditationHow to take a year long sabbatical from workAnd much more!Resources:TheParadise PackThe Yoga of Max’s discontentKaranBajajSiddhartha by Hermann HesseAutobiography of a YogiThe Yoga Sutras of PatanjaliBuddha by Karen ArmstrongThe Power of Intention by Wayne DyerLooking for more Zero To Travel Podcasts? Head over to the archives now!

Real estate entrepreneurs are busy people… but this doesn’t have to mean getting overwhelmed! In this episode of the BiggerPockets Podcast, we sit down with world-famous productivity author David Allen to learn tips and tricks for getting more things done in your life. You’ll learn how to accomplish more things, in less time, with less stress using the Getting Things Done (GTD) system. This show will inspire and encourage you to do even more in your business.Whether you’re just starting out as an entrepreneur, or you just want to run your business more effectively and seamlessly, you’ll definitely get something valuable out of this episode!In This Episode We Cover:David Allen’s backstoryThe two elements of self management you should knowWhat hats you should learn to wearAreas in life you need to make sure you’re keeping an eye onHow to keep yourself oriented in the right directionWhat exactly an “external brain” is and how to build itWhat you need to know about Getting Things DoneImportant notes on research and developmentThe 5 steps of the GTD systemThe big question: What is the next actionable step?The ins and outs of the 2-minute ruleThe importance of making a messAnd SO much more!Books Mentioned in this ShowGetting Things Done: The Art of Stress-Free Productivity (revised edition) by David AllenThe Organized Mind: Thinking Straight in the Age of Information Overload by Daniel J. LevitinBrainChains by Dr Theo CompernolleTweetable Topics:“You need to make sure you have the map, but you’ve got to have a good map with all the right data on it.” (Tweet This!)“It’s terrible to go play soccer without a goal.” (Tweet This!)“If you can take the action step in two minutes or less, do it right then.” (Tweet This!)“You’re going to learn more doing it than reading a book.” (Tweet This!)“The core key in getting in control and focused is the weekly review.” (Tweet This!)“If you don’t spend any time on reviewing, you will just go fumble around and be driven by the latest and loudest.” (Tweet This!)“You’re most creative when you have a space to make a mess.” (Tweet This!)“Your head is for having ideas, not for holding them.” (Tweet This!)Connect with DavidDavid’s Website