Create passive income streams with cash flow expert Chris Miles

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Episode Transcript

(00:00):
The following is a paid podcast.iHeartRadio's hosting of this podcast constitutes neither in
endorsement of the products offered or theideas expressed. No one cares. Nobody's
go up on your a toembstone howmuch you're worth. I love little kids,
and I love explaining them to people. I really wanted to rant about
it in that moment. I'm RichardGarhart. Now I'm Elizabeth Gearhart. You've

(00:21):
just heard some great tidbits from ourshow. Stay tuned for the rest.
Want to protect your business? Thetime is near. You've given it Hart,
Now get it in gear It's Passageto Profit. With Richard and Elizabeth
Gearhart. I'm Richard Gerhart, founderof Gearhart Law, a full service intellectual

(00:41):
property law firms specializing in patents,trademarks and copyrights. And I'm Elizabeth Gearhart.
Not an attorney, but I workat Gearhart Law doing the marketing,
and I have my own startups.Welcome the Passage to Profit everyone, the
Road to entrepreneurship where we talk withstartups small businesses and discuss the intellectual property
that helps them flourish. We havea very special guest, Chris Miles.

(01:03):
He's the anti financial advisor and he'sgot a lot of great advice for you.
And then we have two great presenters. The first is Anne McKittrick,
and she talked child development to collegestudents and knows a lot about kids and
raising kids from a lot of differentroles that she held. So she's going
to talk to us about parenting andher podcast Parenting in the first three years,

(01:25):
so I think we can all usesome help with that. And then
we have John York with Frequency Peopleapp. So this is pretty cool.
You know that you can monetize ifyou're a podcast or an influencer on these
various platforms. Well, John givesyou a chance to monetize on your own
hub and keep more of what youmake than a lot of these other places

(01:45):
do. Sounds great. I canhardly wait. But before we get to
our distinguished guests, it's time forIP in the News and today we're going
to be talking about patents. Andif you're interested in learning more about patents,
you can go to our landing pageand unload some free content. It's
called learn more about Patents dot com. Very straightforward. But the patent that

(02:05):
we're talking about is another Apple patentapplication they haven't patent. Yeah, that's
true. It's an application, butit's still the general class of intellectual property
as patents. And what they areplanning to do is put motion sensors around
phones so that the phone can interpretyour lip movements and then provide more information

(02:30):
for different things like improving speech recognition. Except yes, so this was from
an article on the Register online readlips Siri wants to feel them. According
to fresh Apple PA application, Ithink this is a great example of how
technology is continuing to get more andmore personal. It's just like, Okay,

(02:52):
they hear what you say, theyfollow where you go, and now
they're picking up your lip movements.I mean, really, this is pretty
amazing. All of that is goingto be taken into your phone and regurgitated
for some purposes asn't yet well right, it says. In order to match
vibrations and head movements to certain words, Apple said it would need to either
train a small sample of words akinto how serious trained on a new eye

(03:15):
device and landa generalized corpus of similardata from other users, or would need
a considerable amount of data from userswould likely need to be listening for quite
a while in order to pair sensorreadings with audio signals, so they still
are struggling with how to collect thedata to make sure that they get the
right thing. So I can justsee this, what don't you see?
My phone is always like what didyou say? I didn't catch that?

(03:35):
Did you want to go to McDonald'sand like all, yeah, right?
If it reads your lips and you'relike, okay, well we're sending you
to a fast food restaurant. Anyway, it's one more step closer to domination
by our tech overlords. And i'dlike to get our guests opinion on this
new technology. Chris Miles, cashflow expert and an anti financial advisor,
Thanks for being here. What isyour opinion on this Apple pat? Well,

(03:58):
it definitely brings a new tie toyou know, whole new meaning to
the George Bushes read my lips?No new taxes? Right, Maybe we
should have read his lips instead justlistening to his words, we would have
gotten something totally different. Great.And you know, there's two things that
come to mind when I think aboutSiri reading lips of someone who's handling the
phone, and that is what's goingto happen when you're toddler picks up your
phone, or you're even your twelvemonth old puts it in their mouth,

(04:21):
or you know, just how babieswill take a phone and play with it.
I wonder in their design of thisapplication if they are taking that into
consideration, the difference between the waya child might be playing with the phone
versus the way an older person wouldactually be using the phone. The other
thought I have is just that,you know, the children of today,

(04:42):
what in the world is their futurelooking like if this is happening today,
you know, like, will theyhave any privacy whatsoever? Will everything that
they do be read and interpreted andanalyzed? Well, that certainly seems to
be the direction we're going. Andas Elizabeth points out, the people who
run these companies aren't elected, right, and so as a population, we
don't really have much control over whatthey don't happen to say. And here's

(05:04):
running the Yeah, John, whatare your thoughts? I go back and
forth on this. I mean,we already give so much of ourselves to
technology just out of convenience, SoI mean they already are listening to certain
things that we say anyway, SoI mean, hey, Siri, you
know, how do they know thatthey're saying, hey, Siri. But
I also could see some really gooduse cases of this. I mean,
imagine being in a library or churchor somewhere where you're not supposed to be

(05:27):
able to speak loud. You canjust word the lips and be able to
send a text message to somebody withouteven having to speak out loud. So
I do see the convenient side ofit, but it's a little scary as
well, knowing the type of informationthat they're going to be gathering from us.
Sure, I mean it's a doubleedged sword, and sometimes you have
a bad cell phone connection, right, So with this technology could somehow be

(05:47):
translated and your voice could be communicatedmore effectively. Is of a bad line
or something? Maybe there's value there. I can't imagine what's coming down the
pike. I'm with Ann. It'slike good then's our poor children and grandchildren.
I don't know if this will actuallydevelop into anything. It sounds like
it's pretty early days and they haven'tthought a lot of things through, and
there's a lot more research that needsto be done on it. I guess

(06:10):
only time will tell. And ifyou want to learn more about patents,
go to learn more about patents.Dot com and you can get more details
about protecting your invention. So we'regoing to be speaking with Chris Miles.
As I mentioned, he's a cashflow expert and he's an anti financial advisor.
He's a leading authority teaching entrepreneurship andprofessionals how to get their money working

(06:32):
for them today. And he's anauthor and podcast host of the Money Ripples
podcast and has been featured in USnews CNN, Money Entrepreneur, on Fire,
Bigger Pockets and has I've proven reputationwith his company, Money Ripples for
getting clients fast financial results. Sowelcome to the show, Chris. Pleasure
to have you here. I didhave a chance to look at your website

(06:53):
and your videos. They're very inspiringand I certainly recommend that anybody who's interested
in learning to manage their money bettercheck out your website. But why do
you call yourself the anti financial advisor? Pretty much because I think financial advisor
suck good hearted people, of course, but I used to be one,
you know, twenty years ago,and I didn't start out that way.

(07:13):
I mean, I was raised,like a lot of us were, right,
I was raised by good parents,taught me good values, you know,
My mom was an artist. Shewas trained by the same master painter
that trained Bob Ross, So shetaught me about following your dreams and your
passions, while my dad was moreof the secure job. You know,
you get good grades, you getthat great job, and then eventually you
know, your life is happily everafter. However, in his life it
wasn't that way because although he wasvery much of that generation that was very

(07:38):
loyal to their employers, employers weren'talways well to him. He created a
lot of stress, and he evenhad strokes in his forties and heart attacks
and his fifties, and he thoughtthat work would literally kill him. And
when it came to money, hewas always teaching about things like, you
know, we can't afford this.Money doesn't grow on trees. You know,
what do you think I had madeof money? You know very much
that depression air of mentality, andthat influenced me to the point where I

(07:59):
said, you know, I wantsomething different. And so when I went
to college, it's gonna become abusiness consultant. But I figured if I
was going to do that, Ishould have real life business experience. So
I actually with one class to gobefore I got my bachelor's. I've said,
before I go get my MBA,let's get some real life experience.
I can kind of build my resumemore before I get out of college.
So I took a sabbatical and Iended up looking for some business to start.

(08:20):
I wasn't sure what that was,but the first one I came up
months later that intrigued me was afinancial advisor. I didn't know they'd take
anybody off the street that basically getto pass the test with seventy percent and
didn't have a criminal record. Ididn't realize that it was that easy to
become a financial advisor, but Idid it, and did that for several
years. Love being an entrepreneur,Love being on my own and having that
control my time and my freedom andthings like that. Well what shocked me

(08:43):
was when my dad called me upand said, Chris, when are you
going to advise me? Which wasinteresting because the tables had turned because he
was always one of giving me adviceof spend nothing be at tai Wad,
which he really was. So Iguess one question would be what is the
right balance between saving and spending?You know, that's a good point because
that was kind of my problem too. I found out I was following in
his footsteps, and it was hardbecause I mean, he would spend a

(09:05):
little bit, but it was alwaysin an effort to save and every you
know, it just really horrid money, is what he was doing. But
when I remember sitting down with them, I looked his finances. I said,
Dad, even though you've paid offyour house, you're debt free,
and you saved in your four onek's got the match and everything. If
you'd retire today at sixty one yearsold, you'd better hope you'd die in
five years, because that's when you'llrun out of money. And he said,
well what do I do? AndI said, well, you did

(09:26):
everything right. I don't know becauseI can't give you any more advice than
what you did. This is allthis is what we teaches financial advisors.
And I found out that I wason that same path right. I was
trying to save everything, spend nothing. I was turning off the ac in
the summertime, turning off the heatin the winter. My family hated me.
All in an effort to try tosave and accumulate all this money to
hopefully retire someday. And it becameepiphany to me because I realized that it

(09:50):
wasn't just me, my clients inthe same position, even the retired ones
still worried about running out of money, and then even financial advisors. This
is where it really got me,was all the financial as it should have
it figured out none of them arefinancially free off of the actual investments they
did. They're all making money offthe commissions, but not the investment.
And that woke me up. Andyou're right, you've got to find that
balance between spending and saving. Right, what do you do if you're not

(10:13):
saving, then how do you planfor the future. It's about stewardship is
really what it's about. Right,is understand that someone who's in saber mentality,
they're usually in scarcity. When youhave scarcity, when you're always feeling
like there's never enough, there's alwayslack, right, you can never save
enough, you can never pay offyour debt fast enough, which is that
saber mentality. Think of Dave Ramsey. That's ultimate scarcity bondage mentality with being

(10:37):
a saver. If you have thatmentality, what will happen is that you'll
never have enough, you will neverbe free financially. On the flip side,
we all know it's spenders. It'salways easy come, easy go.
You know you're always having to hustleto get more money. Doesn't spend it.
You're also in scarcity. You neverhave freedom. The truth is in
the middle. It's a steward.A steward takes the best of a spender
and a saber and puts into one. Because money is meant to be used.

(11:00):
But money is meant to be used, not just to hoard it,
but instead it's meant to be usedto create more with it. It's being
meant to be used to improve andto multiply it. I could have just
done money. But the key thingis I was always asking, obsessing with
that question. How can I createa win win? How can I serve
people or help answer questions for them? Would you consider that a form of
affiliate marketing because I've looked at affiliatemarketing a little bit for other things.

(11:24):
Not for the law firm because thereare such strict rules. But with affiliate
marketing, don't you have people's linkson your website and if people buy it
by going to your website and findingthem, you get some money for it.
You could do that. I mean, this was pre affiliate marketing type
of stuff, right. I meaneven when I was doing was like the
four hour work week before Tim firstwrote the four hour work week, right,
And that's really what it is.I mean, it is like affiliate

(11:45):
marketing. But remember I didn't havea website, I didn't have anything online.
This is purely just word of mouth. I mean this was really just
people that I knew. In fact, when people ask me what do you
do? I didn't know how todescribe it to them at the time because
I was like, well, Ido really say investing. I'm warriors broker,
but I'm not doing any of themortgage brokering like I was doing in
the past. I'm really just referringit on to basically like a partner.

(12:07):
And so you're right, it's likeaffiliate marketing. But remember that was very
organic. I wasn't forcing it likesome affiliate markers would do, where they'll
just pimped out anything. That's notwhat I was doing. I was literally
just people were asking common questions.And if people were always asking for the
same thing, I would say,all right, people are wanting this,
how can I connect it with it? If it's not me, then who
And so that's really how it becamevery organic for me. Passage to profit

(12:31):
everyone the Road to entrepreneurship. ChrisMiles, the cash flow expert and anti
financial advisor, will be back rightafter this. I'm Merchard your Heart,
founder of gear Heart Law. Wespecialize in patents, trademarks and copyrights.
You can find out more at learnmore about trademarks dot com. We love
working with entrepreneurs and helping their businessesgrow. And here's our client, Ricky,

(12:52):
to tell it like it is.Hi. I'm Ricky Frango, founder
and CEO of Prime six. Wemanufacture high performing, clean and sustainable like
charcoal and logs. We've been workingwith your Healthloft since the beginning, really
and they've helped us figure out thetrademarks, the patents, everything that has
to do with product development and howto protect our inventions. And we're extremely

(13:13):
grateful for the wonderful team that hasbeen supporting our business since they want.
Thank you, Rookie. To learnmore about trademarks, go to learn more
about trademarks dot com and download ourfree entrepreneurs Guide to Trademarks, or book
a free consultation with me to discussyour patent and trademark needs. That's learn
more about trademarks dot com for yourfree booklet about trademarks and a free consultation.

(13:35):
Noail back to Passage to Profit onceagain Richard and Elizabeth Gearhorn and our
special guest Chris Miles, the cashflow expert and anti financial advisor. Passive
income. What is passive income asan incive an income that comes in without
you having to work at exchange timefor money, that sort of thing.
And it's just a continuous income streamthat you can hopefully rely on with really

(13:58):
a minimum amount of mate notes.Right, So what are some of the
forms of passive income go off ofwhat Warren Buffet says, if you don't
make money while you sleep, you'llwork until you die. And I think
every entrepreneur needs passive income. Imean, even if you have your income
streamcomes for a business, which isyour main investment, your economic engine,
still you want to pull this profitsfrom the business, not leave it all
in, Take some of those profitsand move it elsewhere. So you can

(14:20):
have multiple streams of these passive incomecoming in, regardless if they're shut downs
because you're non essential business like wehad happened back in twenty twenty, or
anything else that might happen in life. You want to make sure you have
those passive streams of income coming in. So this is where you get your
money working harder for you, getthem to be your employees getting out there
to work. There's things like turnkeyreal estate, where you buy the property,

(14:41):
but you don't have to find it. Somebody else finds it for you.
They'll manage it for you. Everything'sdone for you that way. But
then there's things you could do,like where you could become like the bank.
Most people don't realize there's investors outthere that you don't have to be
the active investor. You don't haveto know a lot about real estate investing,
for example, to be investing inreal est for example, there are
plenty of real estate investors out therethat have so many opportunities, they just

(15:03):
don't have enough capital to be ableto do them all, and so they
might borrow money from you at sayten twelve sometimes even up to fifteen percent
a year, borrow that money fromyou to use it, and then six
to twelve months later pay it backand then you can do that again.
So there's lots of ways to makemoney with your money. That way,
even in the oil and gas spase, I've got investments there where if we're

(15:24):
gonna have to pay more at thegas pumps, I might as well profit
off of it. There's ways youcan actually lease the land to oil companies.
Because oil pumpies don't want to ownthe land, they just want to
work it. They just want todrill the land and use it. But
you can actually do that, notjust get paid the lease from the land,
but also you get paid from theoil drilling, but also the natural
gas, which by way is theclean energy that's the natural byproduct of the

(15:46):
oil drilling they get. They alsoget natural gas off of it, so
you can get paid royalties and getpaid on the rent of the land as
well. Lots of things there.There's even self storage, there's apartments,
there's raw land. You can actuallymake money off that. I mean,
I invested about a quarter million dollarsand that's now paying me seventy five hundred
dollars a month. You know thatI don't have to work for I have
partners doing the work for me.So there's just so many ways you can

(16:08):
do it that a financial visor willnever tell you because either one they don't
know about it, which is truemost of the time, or two they
don't want you to know about becausethey don't make a commission off of telling
you about those things. So,Chris, where do people find these opportunities?
Let's say I do have some extramoney, I'd like to go more
towards sort of like the non traditionalinvestments, like you've been talking about.

(16:29):
How do I find these investments?Is it just a matter of looking on
the internet? Word of miles?Are the particular people that you would want
to interview? How does it work? You could definitely do it like what
I did in the beginning, whichI spent over the last almost twenty years
doing, which is finding those peopleright, getting introduced to them. You
know, you can Google search ordo whatever. But just know this is
that even if you can find themon Google, doesn't mean that they're good,

(16:49):
right, Google doesn't equal good whenit comes to finding investors. Is
sometimes the best investors aren't very goodmarketers themselves. Right, They're just good
investors. They do what they do. They've been through twenty plus years of
their experience, going through the thickand thin, the ups and the downs.
The recessions and whatnot and still tocome out on the other side stronger.
Those are kind of people I lookfor. So you can either find

(17:11):
those people your selfish could take yearsado or you get involved with the community
that might already have those people init. That's one thing that we actually
do inside of our company, wherewe work with people one on one.
You know, a lot of timespeople will hire us because they'll say,
well, first off, where doI find the money to investor which money
do I use and how do Iuse it? And secondly, who could
I go and talk to? That'sreally the other way. So either you
do it yourself and you spend yearsdoing it, where you find a group

(17:33):
where's already been curated for you,that's great. So what is your definition
of financial freedom? Financial freedom meis when money is no longer the reason
or excuse that you do or donot do anything. And surprisingly it has
little to do with your bank account. It actually has more to do with
what's going on up here right inyour mind as part of your being.
Even I'll tell you I've had clientsthat have quote unquote gone and now the

(17:53):
rat race, meaning that they havemore passive income to pay enough for their
monthly bills. But if they haven'tfocused on their mindset, if they haven't
gone out of that savor mentality forexample, right where it's never enough.
Still even if they have enough passiveing to retire from their work, it's
not enough because they're still scared.You have to address that. So you
have to address the mental mindset aspect, and you got to address the strategy

(18:15):
as well. And that's what wealways try to focus on, that one
two punch. How do you dealwith the mindset that principles along with the
strategies and make them work together soyou're truly free. Where money is a
thing that controls you, you controlit, right, So you have a
sign behind you that says live yourlife now, not tomorrow. When you
do spend money, spend on thingsthat do bring you joy the other things.

(18:36):
Get rid of it, right Imean, I actually I am all
about being lean and being liquid withyour money, having more enough money on
the side, But still don't makesomeday your excuse. Still plan for your
future. Create that future, butcreate it today, don't put it away
for some day. Turning back toinvestments, I just wanted to ask,
you know, of this investment isa good investment or not? Well,

(18:56):
the first thing is if you're askingthe question is this a good estment,
then the answer is no. Theother question to ask, too, is
really just is a risk or not? There's always risk. I like controlling
my risk because just as a businessowner, right the reason I invest in
my business and not in the stockmarket. Why would I invest in somebody
else's business like Tesla or Apple whenI invest in my own and control that
rate of return? Same thing here, I like to control my risk.

(19:18):
So even like if I get arental, for example, and I have
something else manage it for me,well, somebody else managing it for me
actually lessens my risk because I'm ahorrible property manager. I would rather have
the professional do that. But thatmeans said they'd better be good, and
so you have to research them,check out reviews on that company as well.
Like I said, sometimes these companiesprovide them for you. But it's
not always a bad deal to lookat that, look at worst case scenarios,

(19:41):
what possibly could go wrong. Ialways look at what's the absolute worst
case. I know that you know, if I have a rental, for
example, could be maintenance issues,are there ways to minimize that? Yes,
I have a home inspection report atthe beginning, you know. Can
I make sure the home inspection isgood and solid so that it's rent ready
and I have to do all therepairs right when I get in. Can
I also make sure that there's goodten which again comes back to a good
property manager. I mean I haveproperties like I have one in Memphis for

(20:03):
five years, same tenant. Idon't even know their name because I don't
deal with them, right, butI love the fact that they keep paying.
I have another property in North Carolinanear four Bragg, you know,
great property, same thing. Idon't even know if there's the same renter
or not, because again, theyjust do such a good job. It
minimizes my risk, you know.So in fact, I don't even worry
about people worry about the recession,about the values tanking. I don't worry

(20:26):
about that because for me, it'sall about the profit inside those properties.
Right. Do I have enough cashulcoming in beyond the mortgage payments and the
property management fees and everything else thatstill covers my payment and then some.
So I'm always looking at for theworst case. It's kind of that Reagan
philosophy of trust but verifying and that'sthe same thing you should be doing as
well. That sounds like a greatapproach and I think you have a great

(20:48):
approach and a great message for ouraudience. How can people find you after
the show? Money Ripples dot com. There's a lot of information, free
information on that. You can evencheck out our podcasts of Money Rubles podcasts
you mentioned in the beginning of thisinterview too. Chris Smiles, the cashflow
expert and anti financial advisor, backwith more Passage to Profit with Richard Gerhart

(21:11):
right after this. Hi, I'mLisa Askles, the Inventress founder, CEO,
and president of Inventing a to Z. I've been inventing products for over
thirty eight years, hundreds of productslater and dozens of patents. I help
people develop products and put them onthe market from concept to fruition. I
bring them to some of the topshopping networks in the world QBC, HSN

(21:34):
E, Vineline and retail stores.Have you ever set to yourself someone should
invent that thing? Well, Isay, why not make it? You?
If you want to know how todevelop a product from concept to fruition
the right way contact me Lisa askLes, the Inventress. Go to Inventing
atoz dot com Inventing at z dotcom. Email me Lisa at inventing atz

(21:57):
dot com. Treat yourself to ashop full of networking, education, music,
shopping and fun. Go to mywebsite Inventing atoz dot com. Passage
to Profit continues with Richard and ElizabethGearhart. This show, we're focusing a
little bit on patent So at thebeginning of the program, we did ip

(22:18):
in the news and we talked aboutan Apple patent. And if you're interested
in learning more about patents, goto our landing page at learn more about
patents dot com. We've got freecontent for you to download. Their very
informative information about patents. And ifyou need intellectual property for your business,
I definitely recommend that you check itout. And you can contact Richard for
a free consultation, and you cancontact me for a free consultation. So

(22:41):
he's been doing this stuff for along time, figuring out sticky problems and
also helping people that are just startingit up. As I said at the
beginning of the show, I domarketing at Gearheart Loss, So we had
a milestone something that has never happenedfor us before. We're very pleased.
We hired a company called firm Pilot, and they use artificial intelligence to help
us with our website search engine optimizationand to help us with blogs, which

(23:03):
of course then I have to gothrough and make sure that everything's right,
because if you're using artificial intelligence forstuff like this, you know they always
have to go fix it. Anyway. They manage with one of our blogs,
particularly to get us a snippet onGoogle. So I had no idea
what it's almost cool, but it'sreally a good thing. So a snippet
is if somebody's searching on Google,and a lot of times you'll see a

(23:26):
box come up if you ask aquestion, and in that box will be
your question for as it was,like what is consumer products patent? And
there will be like some answers toit, and then the website of the
place that gave the answer. Sowe got one of those first time ever.
Yeah, your part law type inconsumer product pat you'll see our little
snippet there and so hopefully there's evenmore information about pat there. But what

(23:48):
are at you? What's been goingon with your projects? I guess I'll
talk about Jersey podcasts. First,I have a podcast called the Jersey Podcats
Podcast with Danielle Woolley where we interviewpeople bow and we talk about cats issues
with cats. Right now, it'sa big thing because its summertime and there
are Brazilian kittens and all sorts ofthings and rescues and fostering and all sorts

(24:11):
of stuff. So we talk abouteverything cats and the funny strange things they
do, which are pretty much endless. As I said, we have other
people come on the show, sowe're having a good time with that.
Jersey Podcats dot com. We havea website that I'll send you everywhere.
So my main project though, besidesGearheart Law, is Blue Streak Directory.
It's an online directory, video directoryof B to B businesses. So I've

(24:34):
been building the website for a while. What it is is every B to
B business owner should have a thirtysecond pitch. So you record your thirty
second pitch and you put it onthis website. And I encourage people to
have a strong tagline and I'll havecategories. I'm starting out with business coaches
and marketing agencies or marketing people becauseover Covid I did longer interviews with people.

(24:59):
For the precursor to this was wascalled Fireside, and what I found
was the people that are most willingor eager to do this are going to
be the business coaches and the marketingpeople because they understand the importance of video.
So I'm starting to build it again. But during COVID, I use
long video. This is going tobe thirty second video. Short video thirty
seconds to a minute, so shortvideo. It's like an Jie's List only

(25:21):
I don't ask people any questions thatare coming to the site. You just
you pull up the site. Youcan scroll through ten videos and listen for
a few seconds to and decide ifthere's somebody there you want to work with.
So I'm pretty excited about that.The website's coming soon. So on
to our other two Chris Enters.Our next one is Anne McKittrick, and
I'm excited to hear what she hasto say because I'm supposed to be a

(25:41):
grandma and not done. What ifeverything goes well and I need some of
this advice for that. But sheis a childcare expert and she's got a
parenting In the first three years podcast, she taught child development in college to
college students and knows a lot aboutchildcare that could really help the rest of
us. So welcome Anne, Thankyou so great to be here. Give

(26:03):
us a scoop on what you're doing. Well, you know, I'm in
the third half of my life anddoing this career as an entrepreneur after many
years of working with teachers of youngchildren, training them to be teachers,
and also working with young children andtheir parents and a variety of different capacities.
The bottom line is, I reallyreally love little kids and I love

(26:26):
explaining them to people. So whetherthat's a teacher i'm explaining it to or
to a parent, I love tojust watch their eyes open wide and say,
oh, well, that's why that'shappening, and that's why it's triggering
me in this way, and justlove to problem solved with them. And
so when I resigned from my jobhere at a local university here in Houston
area, I started a website acatalog of courses for early childhood teachers.

(26:51):
They are the online courses, thecontinuing development that they need each year.
So I kind of jumped into thiswhole entrepreneur thing two feet and learned as
I went along and so I've lovedto hear all of the things that you've
said, because it's been very muchmy experience and i'd love to talk more
about that. So I had thiswebsite with these courses. It's called Texas
Chalk Here Training. And then mydaughter and I we were going to start

(27:15):
a mommy blog. And this wasabout eight years ago, and mommy blogs
were a thing, and she wasgoing to try to monetize it. She
had just had a baby, andit was just going to be kind of
something we did together, sort ofparallel paths, but I was going to
support her in it. And shedid a beautiful job. She created this
sweet little website called Nurtured Naggins andshe wrote some beautiful blogs. She's an

(27:36):
educator herself, with lots of insight, did a great job. After a
couple of years, she said,you know, Mom, it's really hard
to make money doing this, andI'm kind of not wanting to do it
anymore. So I went out andI said, amen, sister, I
get you, but I love thename Nurtured Naggins and I said, I'm
just going to hang on to thatUURL. And so I let her website
sit there and be ignored for abouta year and a half, came time

(27:57):
to pay the url feet just golook and see what's going on. Well,
she had gone viral, getting tensof thousands of clicks every month on
a blog post entitled how to playwith your zero to three month old?
And then the next one, nextmost popular, how do you play with
your three to six month old?Next one activities for six to nine month

(28:17):
olds? And I just thought,well, goly, I think there's a
bunch of new parents out there thatreally are not quite sure what to do
with your babies, and that's whatI love, and so I just kind
of pivoted my attention over towards nurtyour doggons, rebuilt the site, and
I've tried a lot of different waysto communicate this passion and this you know,
this understanding to people through you know, blogs and videos and now my

(28:41):
podcasts, and now I've got someother things going on. So that's kind
of in a nutshell what I doand how it came about. You know,
you can go read that blog post. Great ideas, what about years
ago? The knowledge, Oh well, you should play classical music for your
new baby all the time, andthen they'll be better at math. What
do you think of about that.I don't think there's a thing in the

(29:02):
world wrong with playing classical music foryour baby. I think it's very good
for the brain. Not all thetime, but every now and again.
I think it's a really great thing. Music stimulates parts of the brain that
are not used all the time,and so with babies what we see oftentimes
there's a calmness that comes over andthey do really respond to it. They
really respond well. They just loveonly you sing well. I do play

(29:25):
classical music, and my son isreally good at math. But I don't
know if the two are related.Right, Well, you're really good at
math. But does it matter whatkind of music it is, or is
it really classical music in particular,or could you play other types? Oh?
I think you can play whatever musicyou want for your children. I
mean as some mohamma myself, Iwould say good lyrics, not explicit lyrics
for your young children. But whateveris culturally relevant in your home is what

(29:48):
is going to be important to yourchild. I do think that there are
tempos to music that can raise alevel of activity, and oftentimes if you
want to lower the level of activity, if you lower the tempo and lower
the volume, you're going to seesome response with the child. But yeah,
for sure. One thing I reallylike about what you have here in
our description of what you do isone topic of discussion is ways to maintain

(30:11):
a strong connection with your young childreneven when you have to work Monday through
Friday and someone else is taking careof them. So that's hard for a
lot of people. I think itwas hard for me when I had to
work on my kids were a littleI hated it being away from them.
I liked working, but I didn'tlike being away from them. So how
do you maintain that? You know, I was an infant teacher for a
period of time, and so Ihad a lot of experience talking with parents

(30:34):
about during this drop off time.I mean, it's grievous, especially when
they're so tiny and you're just startingin childcare. I think the main thing
too, and remember as a parent, is that you will never be replaced.
You will always be the primary attachmentfigure for your child. You want
them to be attached to their caregiverthroughout the day. You want that attachment

(30:56):
to happen. But you will alwayswin when it comes to relationship. Even
if you hear your toddler calling thatteacher mama. That doesn't mean anything except
that that's where they are in theirlanguage development. And so I think that's
really the important thing. But alsojust to note that the time when you
drop off and when you pick up, that's a very precious time. And
to allow yourself some space in yourhead and physically to linger there, especially

(31:21):
with the drop off. If youcan linger at the drop off, I
think that's really good. So whatare some of the worst things you can
do? The worst things not trustyour caregiver. I think the worst thing
that you can do is feel uncomfortablewith who you have left your child with,
because then you never feel settled orat peace while you're apart. And
so it's really important to find aperson that you trust, that you feel

(31:44):
right about. And if you don'tfeel right, if you start a child
in a situation and then you beginto feel some questions follow that, you
know your intuition that is there fora really good reason. Yeah, I
ended up having to quit work becausewe couldn't find the right people to take
care of the kids. And Ididn't really want to quip, but I
just felt like the kids were moreimportant, and we just we gave up

(32:07):
stuff that other people had, butfigured the experience with the kids. And
if I had known Chris back then, we figured out some way to make
money being home with the kids,which is what people are doing now right.
But now I agree with you onehundred percent. And I actually had
a friend that video tape somebody ornot videotape. I think she had some
sort of tape recorder because it wasa long time book and she found the

(32:28):
woman was not being nice to herkid in her house, and she confronted
her and fired her and had tofind an alternatives. That that is really
I agree with you. That's themost important thing. You mentioned this earlier.
That used to be people had tomake the choice either work or pant
their child full time. And todaywe just live in this marvelous time where
you can do both. You canwork from home and have your child at

(32:52):
home. Maybe you have somebody thatcomes in and you know, cares for
them, but you are together.You can take a break and go nurse
your baby, or you know,do all of the things that you want
to do with your child and notbe separated like that. I actually work
with a lot of moms and amgetting ready to launch a group on helping
moms figure that out how they cando that very thing. Well, that

(33:15):
relieves us right to Chris, Chris, do you have any comments or questions?
Yeah, A question that's come upin my head is, you know,
we always always hear those wife's talesover the years, right, what's
a common myth that young mothers aregetting maybe from their own moms that isn't
necessarily true. The things that pediatriciansare telling new parents today is different from
what we were told when we hadour babies. And then for me take

(33:37):
it back in another ten twelve yearsbefore I ever had children, I was
doing this work. I think thatit's just the effect of social media on
the way parents feel about how theyare parenting. And I think that there's
these voices that tell us, youknow, you've got to be doing it
this way, You've got to bedoing it this way depending on who you
listen to and what you do withall that stuff, And those voices are

(34:00):
just being played in your mind allthe time, and so you're constantly measuring
yourself. It's almost intangible, right, because it's just something you're scrolling through
on your phone, but it's affectingyou deeply in your own feelings about yourself
as a parent. I think that'sone of the myths is that there's a
right and wrong way to do everything. That's not necessarily true. Go all

(34:22):
over the world. We all parentdifferent and people grow up to be beautiful
adults. There is a real misunderstandingabout quantity and quality. Quality is extremely
important. Quantity matters too. Itdoes matter to be in the same room
and present with your young children asthey play versus not Mostly, we just
need to be top of mind thatwhen we are with our children, we

(34:44):
need to be responsive to them andpaying attention to in them, watching their
cues and responsive and then as muchas you can. But the quantity of
that time, if it's short,that's perfectly fine. If it's good,
solid time with them, I meanwith eight children, and I can only
imagine what it's like to make surethat you have time with each one of
your children individually, because they needthat, They need our full attention for

(35:08):
short periods of time. But itdoesn't take that long to fill up a
little tank. You just have towatch your children, observe them closely,
and make sure that they are gettingwhat they need and that you also are
getting what your need. Yeah,and I feel like that you're coming from
a real place of love for childrenwith this advice. This is great advice.

(35:28):
I know. The show's about entrepreneurism, and Richard had mentioned before the
show, we want to ask youkind of how you were able to grow
this into something that you could useto support yourself with as an entrepreneur.
How could you make a business outof this and make it successful. It's
interesting because the Texas Shock Your Trainingcompany is my passive income. I probably
very very little time and every week, you know, a pretty good amount

(35:52):
of money. That's where my revenueis coming in. And with Nurtured Noggins,
I'm just beginning to launch programs ofparent coaching. It's really around connections
and figuring out how can you beone hundred percent mom and one hundred percent
woman, Because there's this funny thingthat happens with women where you lose ourselves

(36:13):
a little bit when we have children, and if you can't tap into that
you it can really feel kind ofbad after a little while. It's a
funny balance. It's just a reallyinteresting balance. And so we are going
to explore that together over dinner witha glass of wine, and we are
going to just really look at allof that in a very close way and
build community so that all these momshave somebody to talk to. And also

(36:35):
we're going to really try to buildsome little entrepreneurs in this thing. Too
awesome. I will certainly tell mydaughter in law about that. How can
people find you? What's the bestway? I think the best way is
Nurtured Naggins and you can go toNurture Naggins Facebook, Instagram and message me
there or nurtured nagains dot com andthat's the website and you can get a
hold of me there. Excellent,Well, thank you and m Kittrick with

(36:59):
Nurtured Knaggins. Now we're on tosomething a little different, John York with
Frequency People app. He is helpingpeople monetize on their own hubs like podcasters,
influencers. And it was probably onlya matter of time before people said,
I'm sick of pan Apple, thishigh commission, let me find something
else. So, John, canyou please describe your company and what you're
doing. Yeah? Absolutely so.Frequency People is a platform. We're on

(37:23):
Android iOS, we have a webapp or website where you can log in
as well, but we allow ourusers to come in and create and enjoy
public or private, free and orpaid networks, or we call communities essentially
and self communities, so that theycan interact with people who have the same
interests as they do. I endedup getting the idea for this by I

(37:45):
was at a high school basketball gamewatching a kid that I'm intoward play and
he ended up getting a technical foulfor apologizing to the re Now you're sports
fan, you can understand the frustrationthat you feel in that moment to see
a call that is not justified byanything take place, and so I really
wanted to rant about it in thatmoment. I wanted to talk about it

(38:07):
on social media like we all do. And I realized after pulling my phone
out and starting to type my message, that nobody who's followed me was at
that game, and so even ifI did put the message out there,
nobody would fully understand when I wasfeeling in that moment. And so I
wanted to create a platform where peoplecould have contextual conversation with others who care
about the same things that they do, not necessarily on the same side as

(38:30):
them. But are just as passionateabout it as they are. And so
that was the genesis of the company, and as time went on, we
realized, hey, this is anopportunity that we have right now because we're
looking at how social media, whatit's doing, how it's taking place,
the lack of trust that's coming in, the lack of control that people have
as well, and so we wantedto turn this platform into something that goes
beyond sports but goes into all areasof interest for podcasters, influencers, brands,

(38:55):
and organizations and they could come inthere create their community ease, and
we have subcommunities as well, sothey can break it out and really engage
with their users and followers, theirconsumers at a much more intimate level by
going deeper than a comment in tappinginto the conversation. And so we've built
this platform that allows users to dothat. But on the control side,

(39:15):
now we allow you to basically haveyour own version of our app, but
it's hosted in our app, sothat you can build your own ecosystem and
have a social media platform hosted insideof our app that's geared towards the way
that you actually want to interact andengage on social media. So we're all
about just control and power in givingit back to the people. No,

(39:36):
it's really great. So for example, if you had a high school soccer
team, you could have all ofthe parents and the kids create a community
for that and then maybe when they'reat the games, something happens or people
can comment back and forth. Youcan have that community of people who have
similar interests. Absolutely, yeah,you can have that community of people,

(39:57):
but then you can have subcommunities unneededto your example, every team could have
a higher level community and all ofthe parents and their kids could be in
there, but then they could havesubcommunities, one for the parents specifically,
one for the kids specifically, andthe coaches, and another one just for
that coaching staff, and they don'thave really any interaction, but they're all
hosted underneath the umbrella of their overarchingone. So we allow you to have

(40:22):
that control at the level that makessense for you. And I mean we
all interact based off of the similaritiesthat we have. We're on the show
together talking about entrepreneurship because we havea passion and the similarity for what's going
on. Our goal is to replicatethat in the social space and allow there
to be more engaging conversations that takeplace. Chris, did you have a
question or comment? Yeah? Ithink this is very trending because the last

(40:44):
few years we've seen that social mediacompanies it's harder and harder to trust them,
right, because if you try tohave a Facebook group set up,
for example, to do this,what if all of a sudden they change
the rules, whether they start chargingfor Facebook, what if they shut down
that community because they didn't like somethingthat was said or you know, and
then to go through that whole runaround, I say, it's a big answer.
So I guess my question for youis do you see this as being

(41:05):
like a solution to kind of getpeople more in control away from social media
where they have that ability to controltheir own group. Yeah, I do.
Of course, we have our policieswhere we're not going to like you,
hate groups and things like that.That's never we're not going to allow
that. But if you have anopinion that may not be popular, but
it's not illegal or anything like thator immoral, go on there and have

(41:25):
your conversation with your people. Ourgoal is not to control your voice,
right, We want you to haveyour voice to speak your voice and to
speak it with other people who careabout the same things that go or at
least passionate about the same things thatyou are. You know, we don't
want to replicate what's been done inthe past. With the social media platforms,
there is a level of protection that, of course, we're constantly thinking

(41:47):
through to ensure that our users aresafe and protected and nothing elicita or explicit
is taking place in there. Butas much as possible, our goal is
to put the control in the powerback into your hands. Well, these
platforms are completely independent on Facebook orInstagram or any other platforms that are popular.
Is there any kind of way toconnect with the larger groups like Facebook

(42:12):
or something like that, or areyou focused just on the members in your
community and the technology. So rightnow, our technology is within our platform.
So if you want to bring let'ssay you have a Facebook community,
you've got a thousand people. Thehardest thing to do is to get people
to move to a new platform andto ask them to do it right.
We're trying to make that easier forpeople. So if you have their email

(42:34):
addresses, you can actually send usthat information and we can both load them
in to ease that process a littlebit. So all you have to do
is you can send us even acustom email. We'll send a custom email
out on your behalf to your peopleto say, hey, you already have
an account created. I just needyou to click on the link and you're
already in there to take them directlyto your network, to your community,
and they're immediately in there. Wecan't really have that control if we're fully

(42:57):
integrated with these other technologies, right, so you would have to come over
to our platform, and we're doingall that we can to make it as
easy as possible. You have adedicated link that you can share anywhere and
anybody can click on it and it'llagain take them directly to your community,
or if you have their information,you can send it to us and we'll
actually upload it all in there,create the accounts for them using their email

(43:19):
address and temporary paths where all theyhave to do is actually just click on
the link. In Long Gear,Well, I can really see the value
of this because, for instance,for the Jersey podcasts, we have a
private Facebook group because there are somany people out there that are so nasty
about cats and animals in general.Et cetera. That we didn't just open
it up to the whole Facebook community. Again, it's all about control.
We want you to be able tocontrol the moderation of your community as well.

(43:43):
Whereas these other tools that moderation takesplace at the higher level platform like
the owners like Mark cyclebreggen Istein.We allow you to use our AI technology
and you can actually set a moderationa threshold for your particular community, and
so if it hits the threshold,it'll be flag and if it goes beyond
another threshold, then it'll be automaticallyblocked on your behalf, so you don't

(44:05):
even have to worry about that.You can always go back and review the
messages. But again, it's controlfor us. We want to make sure
that you have control. Well.That would make it a lot easier to
grow the platform, quite honestly,because like, growing this private Facebook group
is kind of hard, But ifit was on a platform like yours,
I think it'd be easier to growbecause you would have that moderation factor so
you could let everybody in and thenit would block out the ones that were

(44:25):
bad. Absolutely. So, John, what are the target markets for your
technology? You have specific groups inmind that you want to sign up first.
Yeah, I mean, the beautyof our technology is wide open,
right. As long as you havea group people who are interested in the
same things you are, you cancome to the platform. In terms of
where we're starting off, we're lookingat sports and entertainment that includes music.

(44:47):
We have a few music labels whowere in the process of signing up.
Now we're looking at nonprofit organizations suchas churches, who could utilize the technology
to have better integrated communication with theirteams as well as their congregations or their
consumers and followers. But yeah,so we're really focusing on those particular areas.
But at this point, anybody cancome in and create an account.

(45:09):
It's free to create. If youdo want to charge for access to your
community, you can do one timefees or recurring fees, monthly fees for
to access or community. You cando that. You know, again,
we take twenty percent. You guyskeep eighty percent of that, which is
cheaper than what Google that Apple wouldtake. But our main focus right now
the sports and entertainment nonprofit organizations.Excellent, Chris, Do you have another

(45:31):
comment. I think it's interesting becauseI actually just set up a community for
my own clients as well, becauseI know it's hard to believe, but
sometimes by clients kind of get tiredor hear me, and so it's nice
to have that community where you canhave them talk to each other and ask
questions of each other too. SoI know, from a business standpoint even,
that's something that's very valuable, especiallywhere I'm not worried about, you

(45:51):
know, with Facebook, just getrid of this particular feature at some point,
you know, or something. Iknow it's private that they can discuss
things amongst themselves and not have outsidemoderation, you know, where I can
moderate it personally. So I know, from a business standpoint, I think
it's a great thing. And Isee more and more we're tending more towards
a community based culture, and soI think this is a very timely Yeah.

(46:13):
I agree. I think that withCOVID we realized how important community was.
And I think since COVID, everybodyis really like, I need a
community, and they needed it thentoo, But I think it really brought
us back to remembering that and thisis right on target with that. Yeah.
I mean one of the advantages oftechnology now is that if you want
to be part of community because youhave special interests, it is generally easier

(46:37):
to find communities people who share thoseinterests. Before you kind of had to
stumble across them, right or youhad to just kind of stumble across people
who were excited about the same thingsthat you're excited. But now I think
the technology and the culture was evolvingso that these things are a lot more
accessible and I think it's a greatthing. So rudos to John. So

(46:58):
John, where can people find outmore about the Frequency People app? Can
you head it to our website frequencypeople dot com. We're on Instagram,
Facebook, Twitter, Our handle isat frequency People and then you know my
personal handle if you have any particularindividual questions. When he us there's at
John C. York Passage to Profit. The Road to Entrepreneurship with Richard Elizabeth
Gerhardt our special guest today. ChrisMiles will be right back. I'm Richard

(47:22):
Gerhart of Gearhart Law. We specializein patents, trademarks and copyrights. We
love working with entrepreneurs and here's ourclient Anya, to tell you what it's
like working with us. Anya Hi, I'm Anya the founder of Happy Bond
and we've been with Gerhard Law forabout six years. They've followed our whole
patent and trademark journey and we're extremelyhappy that we had them at our site,

(47:45):
especially because our product is a petcollagen that has now two patents thanks
to them for the joint of thepets and a new dog food that is
extremely new and has a process thatis protected through their help. We really
have to thank them for guiding usthrough the whole process and as a startup,
made it possible for us to dothat. Thank you, Anya So.

(48:06):
To learn more about patents, goto learn more about patents dot com
and download our free Entrepreneur's Guide topends. That's learn more about patents dot
com. It's Passage to Profit.Now it's time for Noah's retrospective. Noah
Fleischmann is our producer here at Passageto Profit, and he just has a
way of putting his best memories inperspective. Ever since I was a kid,

(48:28):
my vocabulary score was always top notch. That was before a lot of
words began to change their meaning.Transparency is now a human thing. It
refers to your absolute clarity in theexpression of all of your knowledge and intentions.
I only wish some of my readinglenses could be quite so honest.
Platforms were the agendas you would discuss. Now platforms are the medium you seek

(48:49):
out to discuss those agendas. Virtualwas a quality we held to when we
had to deal with reality. Nowthe reality is mostly virtual and we don't
have to be. When I wasa kid, I always had my head
in the clouds, and that's whyI could never find anything. Now we
store all the important stuff in thecloud, and we keep our heads down
here on Earth where they belong.I'm not so sure the verbal portion of

(49:12):
the SAT exam prepared me for allthis. When I was younger, I
didn't do too badly on the score. I could be transparent and share my
score with you, But given whatit was, I think we'll just keep
that information virtual. Now more withRichard and Elizabeth Passage to Profit. Now,
it's time for my favorite part ofthe show, which is Elizabeth's question.

(49:34):
So what is the question today?So I want to ask our guests
what drives you? So I'm goingto start with Chris Miles. Chris,
what drives you to do what you'redoing? Yeah? I get that a
lot because people say, well,why are you working. You know,
why are you working when you don'thave to? And the thing that drives
me is that I realized that ourlives are meant more than just to survive
hey bills, just take care ofour family and our needs. And I

(49:58):
remember before I named company money Ripplesabout Levin, almost twelve years ago,
I was out for a jog tryingto come up with a company name,
and I went to the vision ofthe people I had already helped up to
that point. I remember there wasa couple. They're out in North Dakota.
The husband was a chiropractor. Hewas working six days a week sometimes
and had no energy at the endof the week for his family. And
when we first met, we startedto look at ways to be creative with

(50:20):
his finances, and we're able tofree up six thousand dollars a month out
of his life, and as aresult, he was able to take off
the weekends. Now right, hiswife said, my kids now have their
dad back, and I have myhusband back. He has energy to play
with us, and it do thingsto us so that we're creating new memories
and my kids get to see adifferent example of father than what they were
getting before, and that's when theripple effect I was starting to see from

(50:43):
the family that created the community acrossthe world. That's why name the company
Money Ripples. And that's what reallydrives me. It's really about how to
liberate people because I think that ifI've been so blessed, what can I
do to build create a rip effectin other people's lives. And that's what
keeps me going day in and dayout, keep teaching and keep spreading this
message to create we're freedom or prosperityfor people. Excellent so and McKittrick,

(51:04):
what drives you such a great question? You know, as an entrepreneur you
have a lot of ebb and flowright in your energy. But what always
brings me energy and what drives meis helping people understand how to respond to
their kids in a way that we'llmeet their kid where they are, but
also to understand why they are respondingthe way that they are by understanding themselves

(51:27):
in their own development as a parent, in their own development as a person,
and just all of those things.And so that if we understand why
the kids doing what they're doing,and while we're responding the way that we
are, it just makes for amore peaceful existence with one another. I
loved doing the work that I do. Excellent. So, John York,
what drives you? For me?I want to live that open type of
life, and I also want tohelp others and show others how they can

(51:51):
do the same as well. Thatfreedom British choice, and we have that
choice, then you're able to reallydo everything that you want to do and
truly enjoy life. Excellent. Sowhat drives me? I just have this
undying urge to create. I justlove to create new things. I love
innovative technologies, which is why Ilove this show. I'm an early adopter.

(52:13):
I just love learning and creating.So that's what drives me. So
we're going to run through everybody thatwas on the show would get and how
to get hold them. So ChrisMiles, our guest cash flow expert and
anti financial advisor, Money ripples dotcom is where you find him. Can
you say passive income children? Yeah? And speaking of children and McKittrick Nurtured

(52:34):
Naggins you can find her at NurturedNaggins dot com and Naggins is n oggi
ns dot com. So Nurtured Knogginsdot com nurture your kids naggin today.
Yes, and then if you wantto build your own community and do it
your way, John York has FrequencyPeople at the confine him at frequency people
dot com and you can monetize onyour own pub but you get control over

(52:58):
your own community in a way thatyou can have on other platforms. So
this is very cool. We haveto wrap up now. It's been another
great episode of Passage to Profit andif you have interest in patents or trademarks,
you can go to our landing pageslearn more about patents dot com as
well as our website Gearheartlaw dot comand you can find out more about intellectual
property and ways to protect your business. Before we go, i'd like to

(53:21):
thank the Passage to Profit team,Noah Fleischmann, our producer, Alicia Morrissey,
our program director. Our podcasts canbe found tomorrow anywhere you find your
podcasts, just look for the Passageto Profit show and don't forget to like
us on Facebook, Instagram and Twitter. And remember, while the information on
this program is believed to be correct, never take a legal step without checking

(53:45):
with your legal professional first. GearhartLaw is here for your patent, trademark
and copyright needs. You can findus at gearheartlaw dot com and contact us
for free consultation. Take care ofeverybody, Thanks for listening, and we'll
be back next week. The proceedingwas a paid podcast asked iHeartRadio's hosting of
this podcast constitutes neither an endorsement ofthe products offered or the ideas expressed