Fire & Earth Podcast: E51 Predictions for 2020 with Jeanne Mozier

What if you had a crystal ball that could help predict what is coming in 2020? Would it make your life or business easier to plan for and navigate? Of course it would.

We are joined again by our favorite full service oracle / astrologer, Jeanne Mozier to give us a preview of what’s still to come in 2019 (and there is some big news about this next week you don’t want to miss) and what we have to look forward to in 2020.

Think of it as your weather forecast to help you prepare for what is to come.

Each year Jeanne gives a 2 hour speech explaining what she sees coming by reading the stars, and we are lucky to have her give us a preview of what she will be discussing during her speech on 10 December.

To get a copy of Jeanne’s 2 hour oracle speech detailing out 2020 and beyond, visit her website: https://www.starwv.com/ where you can purchase a CD of her talk.

Full Transcript

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Kathy Gruver: Hey everybody, welcome back to another episode of the fire and earth Podcast. I am your co host Kathy gruver

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Jason Mefford: And I’m Jason Medford, and today we have another exciting episode for you because there are some things that are about to change. And so we have back Jeannie Mosher thank you for joining us. Jamie

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star: Always a pleasure to hang with you guys.

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Kathy Gruver: So you told us that some big things were happening and you’re going to kind of get us set up or what’s going on in 2020. I can’t believe it’s been a year since we had you on

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star: Your

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Kathy Gruver: Yeah, cuz about 2019 last year and

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Kathy Gruver: I’m

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Kathy Gruver: Coming to a frickin close. I don’t know where that happened.

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Kathy Gruver: Explain to me why time is speeding up. That would be a good thing. So yeah, so you said a lot of stuff was happening. So we’re going to turn it over to you and

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Kathy Gruver: Why don’t you give us a quick a quick background on who you are. Well, we’ll put a link to your other episode and then we’ll dive into what’s going on because apparently it’s pretty heavy.

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star: Okay. Well, I like to build myself as a full service Oracle because not only do I read the stars, but I also do runes and cards and

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star: Other things like that. And that’s sort of my magical life. And then I have a real life as as an author and as an arts activist here and fabulous Berkeley springs, West Virginia.

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star: And I’m now a retired movie theater owner

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star: For the first time in 42 years jack and I have weekends to do what normal people do.

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Kathy Gruver: Normal people. What do you do on a weekend of your normal because I don’t know.

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star: What you probably wouldn’t be serving popcorn.

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star: People, but it’s been great. Anyway, every year for the past since 1977 so 42 years I have been doing what I call my Oracle’s talk and I look at the year to come

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star: The past couple of years, I have been threatening not to do it anymore because the news was hard and I didn’t want people blaming me since I’m only the interpreter

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star: I don’t write the script. So here we are, we’re in 22 we’re getting ready to enter 2020 as it turns out, the big some of the big issues that will face in 2020 actually start on December 3 2020 is going to be a heavy earth year

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star: In astrology. That means practical conservative restrictive.

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star: Inflexible

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star: And the pile up starts in earnest. On December 3 when the planet Jupiter moves into Capricorn joining Saturn and Pluto already there.

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star: Historically, and in this case historic means every single time that Jupiter and Saturn are together in Capricorn. There is an economic crisis.

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star: So I think that, you know, there’s no doubt it’s inevitable when it happens every time.

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star: It’s hard to argue with it. And that’s what really starts happening on December 3 and I thought it was interesting and people may notice how in the past several weeks. A lot of the

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star: Big retail operations have been saying, Oh, we’re going to have black friday sales early and it’s like a high, you better be.

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star: AFTER DECEMBER 3 everybody’s going to be pulling in everybody’s going to be sensing that limitation and deciding that, well, maybe they ought to think twice before they ought to go out there and spend more money and

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star: Other parts of the other things happening in the year so so that December 3 sets it up and that difficult period is going to be continuing through at least the end of March, and then there’s a brief period of light comes back again through the summer till the end of the year, the only

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star: I felt optimistic when I looked at the end of the year, and saw that what was going to be happening. Starting in December of 2020

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star: For the next couple of years, is we are going to be entering a progressive period and expanse of period, a period where we’re going to be devoted to universal concepts inclusive concepts concepts of equality. We just have to survive.

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star: You survived run a journey to get there.

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Jason Mefford: In Geneva let

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Jason Mefford: Me ask you a question on that because you know what, because you’re you’re talking about now the the December 3 date. And I was thinking of when we talked before wasn’t there. They’re kind of the January like 11th, 12th area so has

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Jason Mefford: Has that timing kind of moved up because because everything is aligning sooner than we expected or

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Jason Mefford: Is there kind of two different event.

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star: Kind of things to be worried occasion we will talk about that January.

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Jason Mefford: OK, OK. I just didn’t know if it was okay.

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star: That’s just a real dramatic thing.

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star: But, but the the the year long economic slide begins in December. And since it’s happening. Just a couple weeks from now. I think people need to know

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star: So to

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Kathy Gruver: That point Jeannie I guess the question is, is it simply a matter of don’t spend all your money right now because maybe not more is coming as a matter of buy more stocks as a matter of, like, what, what

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Stocks

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Kathy Gruver: Stocks

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Kathy Gruver: I would not fall. Okay.

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Jason Mefford: probably sell before the third

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star: I would say the solution is to become to get through this period is to become more frugal

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star: One of the big issues through the year is going to be waste management.

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star: Interesting and you know I’ve always thought it was interesting that there were cultures where people lived off of waste dumps and what was in them.

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star: And I had someone at a lecture I gave recently say, well, my husband designed storage units. What do you think is going to happen with storage units, I said.

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star: I think people are probably going to start living off of what they’ve put in their storage units, if not living in the storage units directly

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star: So, you know, and there are key periods that we’ll talk about in a couple of minutes. But generally, the year is not going to be an expansive one. It’s also not going to be a particular into particularly intimate one

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star: There’s only one planet in water. So emotions are not powerful and there is, there are none of the outer planets are in a fire sign, which means that inspiration and energy in general are lacking through the entire year.

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Kathy Gruver: And

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star: It’s going to contribute to people feeling boxed in

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star: There are lots of planets in retrograde throughout the year. So movement forward is very limited. And in fact, there are only two months of time in the entire year were no planets are retrograde that’s very rare.

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star: And there are also three major conjunctions in the outer planets another rare experience and generally that marks the end of an old cycle and the beginning of a new cycle.

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star: There is no doubt that 2020 is a crucial year lots of endings. And fortunately, by the end of the year, lots of beginnings. So the old order ends by the end of 2020

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star: Everything points to tremendous changes in attitudes and direction.

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star: And the new world is pretty much unrecognizable from where we’re standing right now.

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Kathy Gruver: So I’m going to ask the question that every single person listening is thinking, does that mean Trump’s getting out of office.

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star: My personal analysis of a variety of charts is yes he’s out of office and primarily because the trend changes.

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star: When we have a trend that’s moving to progressive shorter place. I mean, they don’t fit and you can’t succeed when you’re out of sync with a cosmic trend. Sorry, people can say what they want, but it doesn’t work the stars always win.

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Kathy Gruver: Oh, okay. So I just, you had posted something on Facebook when when not to keep bringing politics in this, but I thought this was fascinating.

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Kathy Gruver: When better Rourke announced his candidacy. And then he subsequently dropped out. You had a really good point about that tell us what that was, because that’s a perfect example.

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star: Well, it’s a perfect example candidates not using astrologers, so he declared

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star: A time when Mercury was retrograde that happens about three times a year for around three weeks each. And during those periods.

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star: Things don’t move forward. Well, and anything you start during those periods, need to be needs to be redone.

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star: And if I had had his email address, I would have said beta drop out right away and wait till a better time to re enter. But I think he’s just gone. And it was interesting.

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star: To see Michael Bloomberg who probably does have an astrologer picked a much better day to declare that he was entering the race.

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star: Kamala Harris is another one who picked a bad time to declare and

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star: She declared on an eclipse, which means you know there’s this there’s like intense periods and then nothing and then intense periods and then nothing. So again, it’s certainly not what as as an astrologer, what I would have picked

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star: And here’s an interesting little anecdote in 20 no in 1999 yeah because the election was in 2000 I was contacted by someone ON THE GORE CAMPAIGN and said, Will you pick a date for us to declare and I did. And then the Bush campaign picked the day before.

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star: I thought okay, well that was obviously a good pic but not quite good enough.

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Kathy Gruver: All the hanging chads and that anyway. Okay. So I just put because I remember you throwing that thing in there about better work. And I thought, you know, that’s an interesting example to bring up so

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Kathy Gruver: Alright, moving forward. So we’ve got a year of endings which I had enough endings. I don’t want any more endings and I’m a Capricorn so apparently I’m getting pounded with it all. Yes.

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star: Well, yes, but then there are the people who don’t fit in at all. You know, this is still your year so austerity, a lot of austerity and a lot of these dramatic changes and people can’t hold on. They need to let things go they need to let old structures go

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star: And again, don’t expect to recognize the world as it turned out, be

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star: By the end of the year.

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star: Um, alright, let’s see. So I’m one of the problems with Capricorn is that it really encouraged encourages repression.

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star: And we have a lot of fear setting in. And this is going to happen if the economy goes south, people are going to be afraid. And what government does what authority does during those times is to set limitations.

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star: To help people not be afraid. So, you know, we’re going to see the walls closing in, and I always think when I every time I say that I think about the scene in Star Wars where they get thrown in the trash dump and the wall.

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star: That’s what it’s going to feel like

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star: Lots of rules. Lots of authority economic prices, it’s, it’s a serious reality check hardships deprivation. And one of the things I would say is really important is to know your neighbors so that when push comes to shove, you’re going to have people around you who can help. Yeah.

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Kathy Gruver: So building that support system and those relationships, which is something Jason I talk about frequently. So, okay.

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Kathy Gruver: Making sure you’re surrounded by a team.

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star: Yes, yes.

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star: Um, let me take a brief moment to talk about the wall. And that’s because

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star: Saturn and capital screams wall.

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star: And one of the things that astrology does very well is examines timing. So

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star: In 1961 the Berlin Wall went up Saturn was in Capricorn in 1989 the Berlin Wall came down Saturn was in Capricorn.

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star: Here we are back again Saturn is in Capricorn people are talking about a wall. However, Saturn leaves Capricorn. By the end of 2020 and the wall will disappear.

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star: So there we have. That’s how I feel about ball wall.

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Jason Mefford: So that almost that actually with with all of the other turmoil and other things that are going on, chances are politically, economically, all that stuff won’t be able to probably get in place during 2020 and then it’ll just kind of get dropped right

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star: Yes, I would say, you know, the, the real struggle.

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star: And this is what happens continually when things get rocky authority clamps down, which is always the worst path to take.

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star: And that’s what we’re. That’s what we’re going to see. Yeah, in spite of. In addition, I guess, to all of this.

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star: Our friend Neptune is still in Pisces. This has been going on since 2012 2012 2014 2014 and Neptune is the planet of illusion.

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star: And lies and assembling as well as having a high spiritual sign side. But at this point, it seems to be wallowing in his lower self. And so we’ve had we’ve had this epidemic of fake news of everything being real nothing being real.

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star: Have weak psychological boundaries of every time I hear about another mass shooting and I hear them say, Oh, we can’t imagine what the motive could be. I want to say, I know, I know. Demons are afloat.

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star: And negative psychic forces have basically hacked in to humanity and are picking off the week and putting these thoughts into their heads because boundaries are dissolving

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star: And Neptune unfortunately remains in place all year. And in fact remains in place until 2021 of the other crucial Neptune issues is addiction.

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star: Addiction is once again a lot of boundaries dissolving being possessed.

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star: And it’s

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star: It doesn’t matter what’s going to be done. It’s not going to be resolved until 2025

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star: And my personal policy my policy recommendation if I were running for president.

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star: Would be that you know I asked a friend. I said, Where’s all this money going that these drug companies are paying

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star: In fines and, you know, where, where does that money go and nobody seems to be able to answer that question.

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star: But I think that a portion of it should absolutely be allocated to research into non addictive pain.

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star: Solutions because so many people get sucked into the whole OBO thing because of pain, no product pain is a horrible thing. What do you do somebody hands you this little pill and says, Here, take this this movement.

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Kathy Gruver: And it solves the problem. And there are certainly a place for pain meds, but I mean as a hypnotherapist hypnosis acupuncture massage meditation. I mean, there’s breath work. There’s tons of

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Kathy Gruver: Other

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Kathy Gruver: Yeah, talk about for non addictive stuff. But that’s a whole nother show yeah the addiction thing is

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star: So that that keeps happening. And these are these are long cycles, you know, these are cycles that began like the cycle, we’re just finishing up with Neptune began in 1862 here we are finally finishing it up.

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star: So homelessness continues to be a major issue and in California. You are all

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star: changing face of homelessness. Yeah, people are being burned out of million dollar homes, you know, then what happens, how do you address that.

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star: And that, that’s all part of the restriction limitation. The fruitfulness the people you know, wanting to be have a simpler life earth based economies.

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star: Now one of the really interesting things that goes along with all this Capricorn and all of these other limiting

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star: Energies is that people are going to begin to demand morality in their government morality in their financial institutions morality into the people who claim that they should be allowed to govern and Heaven only knows, that would be a wonderful

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star: Free People need to demand it and contraction in the economy will make that easier to do.

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Kathy Gruver: Do you have a field Jeannie have, I mean as the as the

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Kathy Gruver: Hack of democrats narrows. Do you have a feel from an astrological perspective of who might come out on top of this.

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star: I really don’t. I look at them and I think

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star: I, you know, I’d vote I vote for my couch before

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Jason Mefford: For some of them.

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star: Now the bride vote for Donald Trump.

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Jason Mefford: Oh, wow. Good.

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Kathy Gruver: For, you know,

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star: Of those folks I know one shows me what I think is needed, yet I say that I don’t know if that means somebody’s going to break out of the pack. If that means that there’s going to be somebody years

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star: But feeling my body deteriorates

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star: I want to say, why would anybody over 70 even want the job.

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Kathy Gruver: That’s insane people. Why would anybody want the job.

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Kathy Gruver: Exactly.

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Jason Mefford: That’s my point.

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star: That’s true. Well, you know,

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star: I there are people who want to change the world. And the way to do it and maybe they’re right although I’ve just been reading sort of reading about Watergate. It’s like nothing you

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Kathy Gruver: Know, it doesn’t. I mean, I watched a special on Watergate and I kept turning to Michael and going. This is the exact same thing. And he’s like, I know you know it’s like, what do we see what are we not learning from the others anyway.

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star: So back to our January.

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star: 10 wealth period because that’s really a crucial time

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Kathy Gruver: Oh no. Okay, that’s my birthday weekend. Okay.

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star: birthday weekend.

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Kathy Gruver: Well, my birthday is the six but we’re having a big blow up in Vegas. The 10th through the 12th. Oh shit. Okay, good.

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star: Oh, okay. Um, what we have them is a conjunction a coming together of Saturn and Pluto in Capricorn.

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star: And this happens only once this year. Very often, big aspects happen three times as they move forward move backwards.

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star: This particular aspect has only happened six times since 450 bc six times. The last time it happened was 500 years ago. So we’re going to have this major force come into being. For the first time in 500 years

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star: It’s, you know, it’s, it’s going to be hard, it slows everything down. It concentrates experiences the hand and destiny comes into being.

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star: People everybody’s going to feel persecuted and I just love it. Sometimes I see these you know photographs of some billionaire crying because they may raises taxes and I think everybody everybody thinks to being person.

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star: Come on, get serious. So this happens you know and and these are evolutionary forces, what we’re going through is an evolutionary force and light time evolution only moves in one direction forward.

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star: And there is no stopping it. And when you try to repress an evolutionary force it all blows up and all the old stuff gets totally destroyed and you have chaos and that’s a whole lot worse then you got to clean it up and you know it’s really

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star: So,

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star: So anyway, what I like to do is look at

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star: The historical patterns of 500 years ago, the last time this aspect happened was in 1520 I looked at all the things that occurred in 1520 and there were a lot of, you know, changes and

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star: Key genes, but here.

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Jason Mefford: Are the big things.

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star: Here’s what I think was the biggest thing that happened in 1520 was that chocolate made it to Europe from the Aztecs. So here we have five

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Jason Mefford: Well,

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Jason Mefford: That’s a good thing. That’s a very good thing.

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Kathy Gruver: I should have chocolate for my birthday.

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star: Yeah, definitely. Definitely Maybe a big life size chocolate Cathy. Oh.

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Kathy Gruver: Jason good on that.

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Kathy Gruver: I want to like chocolate coffee.

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Jason Mefford: And, you know, around that same time to. I mean, I don’t have the dates in my head as well. But, you know, is around that time.

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Jason Mefford: That I believe that the printing press actually kind of came, came about, around, around that time and it really kind of started that time period really started the beginning of the Renaissance. Yes. And in Europe.

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Jason Mefford: So, you know, again, even though, you know, like you said, kind of the Middle Ages, or medieval times were kind of cast aside and it became a more expansive or the beginning of a new expansive period but effectively we could be entering into a new Renaissance as humans on the planet.

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star: Kind of going right.

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Jason Mefford: Once we get once we get through it once again.

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star: We still here.

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Yeah.

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star: So the other sort of really interesting factoid, is that that particular aspect of Saturn Pluto aspect and several other through others through the year happen at 22 degrees.

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star: Now it happens at 22 degrees Capricorn but 22 is the key number here. And anyone who does numerology knows 22 is the ultimate number. So we see this number reappearing through out the year and it’s an end. If you look at

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star: And you take out the two zeros. What do you end up with 22

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star: And so it’s it’s very universal. It has a very universal outlook it benefits mankind. It’s a builder energy absolute honesty very constructive so

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star: Energy permeates the year in a number of ways. So think about that when you see when you hear 22 you’ll know it’s destiny speaking in 2024

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star: Okay. One of the other interesting maybe economic ish crises point comes on April 4

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star: When not only is there another one of these major aspects, this time Jupiter conjunct Pluto, but it’s also crisis in the astrological chart of the Federal Reserve Bank. So, something will happen, something will happen on April 4

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star: It will be, you know, some sort of conflict with authority something technological there will really be no way of knowing what actually happened but

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star: Seeds of healing will occur will be planted during that period.

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star: And then I let me get the date the date is, I think,

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star: Late March.

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star: Late March of 2020 See I keep

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star: I keep 2020

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star: K for him.

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star: So I could unfold it so

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star: This and go into so Saturn goes into Aquarius which breaks this Capricorn log jam, which introduces some of this progressive energy, which becomes the major force by the end of the year that occurs on March 21 which is two days after

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Kathy Gruver: Spring Equinox

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star: during spring equinox spring equinox is on the 19th late night 19th. So there’s this new force that enters and it stays for a couple of months.

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star: And all the Capricorn comes back again until the end of the year. So we should look. It’ll be interesting to see how the political scene changes over a couple of months in the spring when the energy shifts and attitudes shift.

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star: And then you’re going to receive and returned again.

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star: So,

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Kathy Gruver: I’m exhausted.

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Jason Mefford: I know you’re taking notes and like

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Kathy Gruver: And and for anybody who is listening to this, God does this amazing recording that you can buy.

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Kathy Gruver: Me $5 on your website or something that tells you everything. So if you’re not getting every word she saying

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Kathy Gruver: Monica.

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Jason Mefford: Monica.

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star: You our talk, I’ll be recording it on December 10

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Kathy Gruver: So good be available for sale.

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star: So yeah, so Saturn is in Aquarius for march through July and then again at the end of the year.

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star: And it’s interesting because the previous times and then it goes through 21 and 22 so it doesn’t go away instantly and the previous times or 1932 to 3519 6264 1991 to 94, all of which were very nice years lots of things move forward. So that was once I saw that it made me feel better.

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star: Like okay, it won’t be so terrible.

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star: So, so I

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Jason Mefford: Mean

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Jason Mefford: To me, like you said before. I mean, a lot of this stuff has to go away to make room for the new

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Jason Mefford: And then I mean that’s as human nature, you know, we don’t like change because we’re afraid of losing or something new, but it’s again, like you said, it’s, it’s this evolutionary process. It’s, it’s, yes. What has to happen. We have to go through that period of loss in order to gain again.

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star: And and that I believe is really why Trump appeared on the scene.

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star: There needed to be this wiping away of the own forms and it took somebody who was totally non cognizant

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star: Of what those words word why they existed in order to wipe it clean.

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Kathy Gruver: Your wife don’t

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star: Really keep going in this direction because they weren’t all bad, there were reasons for protocol, there were reasons for these forms.

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star: So, you know, people have now seen things break down and we’ll be able to rebuild them and on the economic scene Aquarius really promises a fairer economic structure more equality. So, you know, I think that’s a good thing.

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star: Yeah, I’m one of the things I do not see when I look at the charts of the Constitution and the giants of the Declaration of Independence.

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star: Which are the charts that astrologers look at to talk about what’s happening in the country. I don’t see this civil war, the right wing crazies are saying this is what’s going to happen if they get rid of drop. You know, so like, No, I don’t think so. SORRY GUY. Is it just is it in the stars.

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star: And today, I mean right now about all I can believe in are the stars. You know, they don’t lie, nobody makes fake news out of what Pluto and Saturn are doing

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star: So big money continues to be under attack independent women continue to gain power homelessness exactly homelessness continues as a major issue and one of the new the new trends is this whole obsession with reducing waste with us management with streamlining everything

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star: We should speak briefly about fashion because we know how important fashion is. And one of the things we’re going to see our fashion trends that reflect a tremendous consciousness of your status. Now, the fact is, people have different states.

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star: Don’t people want their status to be oh I’m concerned about waste. So I shop at secondhand stores or I dress simply some people want their status to reflect. I can afford brand names and expensive brand names.

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star: So people are going to be wearing their status repurpose thing is going to be very important on every level, we will have bouts of reared, particularly during that Saturn in Aquarius people period in the spring, the mineral kingdom will be very important jewels.

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Kathy Gruver: Are

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star: rare metals gold. So people say, well, you mean we should go out and buy gold. I said, Yeah, but by little bitty pieces.

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star: So you can have change.

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star: What are you going to trade that for

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Jason Mefford: It’s interesting, you know, because I mean we’re here, we’re talking about, obviously the astrological side of it.

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Jason Mefford: But economically, right, that’s my bad, my business background. I mean, again, a lot of these things. We’re seeing economically.

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Jason Mefford: And so just like you said in a period when if everything hits the fan stock market crashes gold goes up, it always does. Yes. Right. Because again, people move their money from

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Jason Mefford: You know, the, the either commodities market or the stock market into something like gold. So, it totally makes sense. But yeah, by the by the by the thin stuff, not the stuff around your neck.

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star: Well, that’s another one of those historic realities is in this

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star: Period, or maybe even earlier. One of the earlier parts of the cycle. The Venice, which was at that time, sort of the commercial center of the world.

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star: Invented gold nuggets that dominated European currency for 600 years. So it’s like okay, we can go out, make gold buckets. And so people say, well, well, what about alternative currencies like

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star: I don’t know. I don’t understand. I don’t get alternative currencies and I feel confident that if I’m sitting there and I wave $100 bill or I wave a Bitcoin whatever Bitcoin looks like people are going to go for that hundred dollar

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star: So I don’t know what to say about alternative currencies, um,

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star: The other thing are that that’s going to be big this year are unicorns. So you can take your unicorn out of the basement and put it in the backyard, because it’s not

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star: Popular. I don’t know what that means but unicorns are gonna be hot this year.

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star: And then, of course, chocolate, as we know, in the health arena.

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Jason Mefford: You go

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star: To court.

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Kathy Gruver: Chocolate balls.

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Kathy Gruver: It walks around and it was, and then it poops. It will chocolate poopy balls.

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star: Well market that Kathy.

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Kathy Gruver: Somehow, I don’t think I invented it, but I happen to have one. So, yeah, okay.

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Jason Mefford: You never

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star: So health. We already talked about the whole addiction seen

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star: Health issues will be very Capricorn Ian, which is tightness arthritis crystallization. And in one of the earlier historic periods that is that similar to this one.

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star: The it was discovered that electrical impulses. What is it that that electrical impulse nerve that nervous in the elected. What was discovered was the electrical nature of nervous impulses. So I think we may see electricity being used in addiction treatment and arthritis treatments.

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star: You know, if I may. And of course, acupuncture is very oriented to move electrical energy around

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Jason Mefford: In the books. It’s interesting because I actually just saw somebody made reference to this, this new device. It’s effectively like a Tesla coil like that Nikola Tesla came up with.

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Jason Mefford: But it’s a home appliance that you can actually use to help change and use elect the electricity to be able to change the energy flow in your body as well. So again, that kind of goes right along with this of there’s already an appliance out there for it.

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star: And

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Jason Mefford: There’s times when there’s tons of it, you know.

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Jason Mefford: But it’s starting to come. It’s starting to come out now and again just

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Jason Mefford: Lines right up with what we’re talking about.

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star: Yes, and I think they just think I just saw something they were doing at WVU in that same

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Kathy Gruver: I believe that, I believe. Okay.

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star: Um, now, right. So what else do we have here, natural disasters continue

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star: Natural disasters, you know, and you will remember last year, we talked about natural disasters and how they were going to become a big trend and this continues for at least another five years.

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star: And this is going to contribute to the economic issue because somehow it’s like I’m sorry, why aren’t their insurance companies going bankrupt left and right, with all these natural disasters and so I did a little peripheral very

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star: Very skimming research online and two things happen. One is that insurance companies are heavily invested in the stock market.

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star: So they’re making a lot of money right now because the stock market is going up and they benefited tremendously from the Trump tax cut. I didn’t know insurance companies were middle class people but

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Kathy Gruver: I suspected. I thought they were

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star: So they’re making. They are going bankrupt and collapsing, not because they’re not losing money on their core business. But because we’re making money. Other places and that insurance losses over the past year.

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star: Were up 56%. Can you imagine if your business loss was up 50% so that’s going to be contribute to this.

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star: Economic crisis.

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Jason Mefford: Well, yeah, because especially when their assets from the stock market investments.

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Jason Mefford: When those greater

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Jason Mefford: Yeah, they’re going to become insolvent. So we saw the same thing with pension funds.

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Jason Mefford: when when when the, when the stock market crash to, you know, in 2002

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Jason Mefford: Most people because again the pension plans, just like the insurance companies were making all this money on the market.

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Jason Mefford: But now that when that when they

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Jason Mefford: Lost that and the payouts came they ended up becoming insolvent. So we’re going to see that again with a, with an economic downturn.

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Kathy Gruver: Yeah, well,

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Kathy Gruver: So I probably have just a little like five or six more minutes. So

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star: Okay, five or six more minutes. All right. We already talked about the politics.

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star: Probably the country that will be affected the most by a lot of this because of is in there is China, both in the financial and and conflict.

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star: Will also see conflict in Syria and Saudi Arabia, Guatemala and Singapore Mexico and Mexico City. Both have historic links to period like this.

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star: The people, the American people are you know what they want. They want things to be better. They want candidates that function on a high moral level they want them to be sane and reasonable and acknowledge the tightening of the situation and avoid fanaticism.

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star: There’ll be new structures with fewer resources. So they may be more solid

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star: Alright, let’s see, what else do you guys have any other burning questions. Why look to see if there’s anything else I really want to say here.

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star: You know,

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star: Month by month December, it starts January in February, are very difficult with everything sort of shutting down march and then we have moving into a more progressive period in March for a couple of months.

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star: And then

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star: elect a lecture days. Very interesting.

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Kathy Gruver: Well,

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star: Of course, now that we have 40% of votes are cast before election day hard. I keep trying to tell astrologers this and they just Tina, they’re not political scientists, they’re not campaigns, get it.

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star: But it’s mercury are standing still, we end the Mercury retrograde period on election day.

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star: So there’s going to be lots of breakdowns and machines.

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star: Lots of adjustment to surprising results.

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star: positive energy for females, both as candidates and as voters.

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star: power struggles in the following week as there’s going to be recounts people, you know, all kinds of things, but it seems to smooth out. And as I said, I don’t see a major revolution.

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star: And then everything gets much better at Winter Solstice when Jupiter and Saturn both move into Aquarius. The message from the higher beings is brotherhood humanitarian is a universal universal energy and equality. Wow.

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Kathy Gruver: So from a business perspective. Okay, so my actual just instinctive thing. A couple weeks ago was that I was going to use

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Kathy Gruver: For a year of learning for finishing up any certain certification stuff that I wanted to do and that I wasn’t particularly going to try to launch anything new. It was going to be more building period and then in 2021 make those moves. Does that sound like a good instinct of

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star: Yes, it does. It’s the right thing to do and for people. You know the right thing to do for existing businesses is to get rid of the dead one to cut out the stuff that’s wasteful to

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star: Bring everything down to its core to what’s essential to what really needs to move forward with you into this new period.

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Kathy Gruver: Um, any real. I mean, it’s just sort of like how our relationships with with spouses with partners with other people in 2020

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Kathy Gruver: Hard, but you’re

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star: Not like I said that there isn’t a whole lot of emotion.

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star: Out though so practical. Relationships are going to be the best ones.

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star: Exactly.

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Kathy Gruver: Man, Jay.

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star: And find yourself a Taurus because Taurus is always will have enough food in the refrigerator and a roof over their head because no matter what happens, torres’s they’re all about practical reality.

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Kathy Gruver: What those those Capricorn.

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star: Capricorn to but Torah says, or more earthy about it.

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star: Can

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star: Get lost in that corporate structure, not the Taurus.

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Kathy Gruver: Taurus. He’s like,

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star: Okay, I’ve got a good guard. I’ve got a house here I can get through this.

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Kathy Gruver: Perfect Virgos are too busy organizing the food to remember the bias.

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star: Crushing in the walls.

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star: That’s funny.

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Kathy Gruver: Okay, Jason. Any final thoughts from you.

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Jason Mefford: Know, I mean, again, it’s, it’s, you know, I know a lot of a lot of this may look bleak. Right. But the whole idea is the better prepared. We are what can happen because again said, you know, starting starting kind of next week ish

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Jason Mefford: There can be some things that it’s going to be a little scary and December, January, February, it’s going to get better in march through July.

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Jason Mefford: It’s going to get a little worse again. But then we’re going to get to the winter solstice and December and things are going to kind of pick back up again. So again, I mean, Cathy. Just like your question there you know of

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Jason Mefford: What do I do in business, what, how do I kind of work with this work with the changing seasons.

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Jason Mefford: As well right and

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Jason Mefford: And kind of know what’s coming. And, you know, as I’ve learned more about because I’m a newbie compared to both of you. Right. But the whole Mercury in retrograde, you know, kind of stuff. I never really understood that and and even even what was it last week. I think it switched over right

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Kathy Gruver: Yeah.

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Jason Mefford: Yeah, something like Wednesday, right, that I can tell you know the beginning of the week is like nobody was answering my messages. Nothing only coming through.

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Jason Mefford: You know, and again, I’m starting to pull my hair out, which I don’t have on and then it’s like somebody mentioned again while mercury is just coming out. Okay, okay, okay. That makes sense. And so the more you kind of understand and just kind of go with the flow and not try to find it. Right.

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star: Don’t be

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Jason Mefford: Better off we’re going to be. Yeah.

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star: Don’t be afraid, and don’t believe all the lies. Yeah.

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star: It’s really important to know that just because they say everything is wonderful, doesn’t mean it really is look to reality look to how it feels in your in your real life.

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star: So people can get the full blasted two hours discussion month by month what it means for every sign. I’ll be recording that on December.

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star: December 10 here in Berkeley springs and people can look at my website, which is Star wv.com and there will be a way to order the CDS $20 2020 and your

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Kathy Gruver: Man and and i have to say i mean i tend to buy at the very least one, if not two copies and then I

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Kathy Gruver: I give one to a girlfriend, Lester. Like, you have to listen to this.

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Kathy Gruver: Because in the car and because there’s so much to absorb. So it’s like I have to listen to a two or three times.

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Kathy Gruver: And all like mark the timestamp of where each month is because it’s like, I want to know and I’m right, taking notes in my book. Yeah.

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Kathy Gruver: It is so invaluable for business and for again for those people, of course, they probably haven’t even gotten this far. But for those of you who can stroll June, there’s reasons for this. It’s trends. It’s patterns. It’s, you know,

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Kathy Gruver: Just because you don’t watch the weather forecast doesn’t mean you can stop the rain.

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Kathy Gruver: It’s going to happen anyway.

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Okay.

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Kathy Gruver: I’m gonna rain. Okay, so be prepared for it if you don’t watch the news cast and you don’t know that you need the umbrella legal office that day.

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star: So,

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Kathy Gruver: Be prepared take those steps star web com go get genius CD I’m Kathy Coover I can be reached at Kathy Gruber calm.

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Jason Mefford: And I’m Jason method I can be reached to Jason effort com so Jamie, thanks for coming on.

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star: Thank you.

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Jason Mefford: And we’ll see everybody on the next episode of the fire and earth podcast. So, yeah.

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Yeah.

Certified Risk Based Internal Auditor

If you are like most internal auditors, you’ve probably experience some of these challenges in your career:

  • You feel ignored by management and don’t believe they think you are adding value.
  • Your department has difficulty getting the resources it needs and it being downgraded.
  • You spend most of your time stuck in the weeds, wishing you could perform higher value engagements that other appreciate, but aren’t sure that you have the knowledge or skills.
  • Management says you don’t really understand their business.
  • You are being held back in your career, and earning potential … because you don’t have a certification.
  • You are on the certification path, but have failed exams multiple times and feel like you will never get certified.

If you are feeling any of these, you are not alone, but it still hurts to hear and go through these experiences. It often leads to feeling:

  • Left out
  • Not valued
  • Not smart enough
  • Not good enough
  • Stuck in your career

If you are resonating with this, you have an opportunity through risk-based internal auditing to:

  • Better align your efforts with management
  • Better coordinate with others in your organization
  • Become more proactive and less historical
  • Become seen as a trusted advisor
  • Become certified and qualify for promotions and increased earning potential

and that results in feeling:

  • Confident
  • Qualififed
  • Valued
  • Appreciated
  • Hopeful

We’ve been talking about risk-based internal auditing for over 20 years, but I find people tend to fall into one of three categories:

  • Are not doing risk-based internal audit
  • Think they are doing risk-based internal audit, but are not
  • Want to improve their risk-based internal audit approach

The sad reality … many think they are doing it, but are not.

If you fall into one of the last two categories, I have some very exciting news.

I am pleased to announce the Certified Risk-Based Internal Auditor (cRBIA) course is now open for registration, a course that help you learn the knowledge and skills to take advantage of those opportunities.

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Fire & Earth Podcast: E50 Lessons Learned from Another 25 Amazing Episodes

Over the most recent 25 episodes of the #FireandEarthPodcast, we have talked to some amazing guests and learned a lot. In this episode we share some highlights from previous episodes and how we have changed ourselves, by incorporating what we’ve learned into our daily lives.

If you missed some of the previous episodes, this one will help you know which ones to go back and listen to. We love bringing you a weekly episode to help you live a better life and unlock your limitless potential.

Come hang out with us each week.

#fireandearthpodcast

Fire & Earth Podcast: E49 Tapping into Ego States with Mike Mandel

Have you ever wondered why you show up as different people on different days? The reason relates to the various ego states that simultaneously are present within each of us. The problem is when the “librarian” show up when we are giving a speech and we need the “entertainer” to show up instead.

In this episode we discuss how to “tap” into the right ego state (when you listen to the episode you’ll see why that is so punny 😉 We discuss ego state therapy and how you can get the right ego to show up at the right time.

We are joined by the fabulous Mike Mandel, regarded as the world’s greatest hypnotist to discuss this topic and get some practical tips you can start using today (e.g. tapping and inner active cards … listen it to learn more).

Mike Mandel single handedly reinvented the persona of the stage hypnotist, rescuing it from its tacky beginnings and giving it rock star appeal. Widely regarded as the world’s greatest hypnotist, Mike Mandel has 18 nominations and 6 awards for excellence in entertainment. In June 2000 he was presented with the COCA Hall of Fame Award, previously won by Sarah McLaughlin, the Tragically Hip and Jim Carrey.

Mike is a qualified trainer of neurolinguistic programming (NLP) and is affiliated with NLPWorks, who offer Canada’s most complete NLP training. He teaches advanced Ericksonian hypnosis both via online training and in a live classroom in Toronto, the hypnotic world epicenter. He affectionately refers to his students as hypnotic storm riders across the world. You can learn more about Mike at: https://mikemandelhypnosis.com

To watch Mike’s keynote speech at Hypnoses Though 2019 (referenced in this episode), visit: https://www.youtube.com/watch?v=5FEbsU7Nr9o

Make sure to check out and subscribe to Mike’s Brain Software Podcast. We did 🙂
https://mikemandelhypnosis.com/category/podcast/

#fireandearthpodcast

Fire & Earth Podcast: E48 What Snow White Can Teach Us About Becoming a Better Self

If you wait to have, so you can do and then be a better you … you’ll be waiting a very long time staying stuck exactly where you are at now. In order to “be” a better us, we need to step into being that person now and do the things that better self would do. You have to “be” then “do” and you will then “have” what you desire.

Learn how pretending to be Snow White can actually help let out some of our best qualities we are holding back from letting the world see. We have to first pretend and then forget you are pretending (e.g. see how some of the best actors put on their best performances). Fake it until you make it, etc… and stick out your turtle neck (when you listen to the episode it will make a lot more sense 🙂

#fireandearthpodcast #bedohave #potential

Fire & Earth Podcast: E47 The Best Business Advice While Watching the Simpsons with Jason Linett

What’s the best business lesson our guest learned from watching the Simpsons? You’ll have to listen to find out.

We are joined by Jason Linett to discuss ways to improve your business including: how to be congruent in your messaging, positioning yourself at the end of the funnel, micro niching for riches, and even get into some tips on time managment.

Jason Linett is a featured TEDx speaker. He was honored as the “Hypnotist of the Year.” He is invited to travel the world sharing the methods that have not only made him successful but also have been duplicated by others to create their own financial freedom.

In addition to coaching private clients, Jason’s programs have been downloaded more than a million times worldwide. You can learn more about him at: http://worksmartbusiness.com/ where you can also order his book: Work Smart Business.

Jason is graciously offering listeners of the Fire and Earth Podcast a free 15-minute self-hypnosis session when you visit: http://worksmartbusiness.com/confidence

#fireandearthpodcast

Fire & Earth Podcast: E46 Moving from Victim to Hero with Hallie Avolio

It’s really easy to find a crutch, find an excuse and allow ourselves to be a victim. So what separates the victims from the heroes?

It takes courage to be a hero for others and ourself, since everything you want is on the other side of fear. Doing the little things and not over thinking are a couple of ways to make things simple, sustainable and fun so you become a hero. Listen in to learn the other tricks.

We are joined by Hallie Avolio of Sassy Healthy Fit, who is also the host of Sassy AF TV. To discuss how you can move from a victim to a hero in your own life. Sometimes it’s the small things that really make a big difference.

Learn more and connect with Hallie at: https://sassyhealthy.fit/

As a special gift, Hallie is offering a FREE DIGITAL DOWNLOAD of her Sassy AF Affirmation Card deck! This unique affirmation card set includes 37 badass, HERO-producing sayings that will make you feel SASSY AF!

Download your free gift at: https://mailchi.mp/sassyhealthy/fireearthpodcast

You can access the book referenced in the episode “The Compound Effect” by Darren Hardy here: https://www.amazon.com/Compound-Effect-Darren-Hardy/dp/159315724X/ref=sr_1_1

#fireandearthpodcast

Fire & Earth Podcast: E45 Self Confidence through Self Defense with Terri Coffee McDuffie

Fear is a big thing holding people back from achieving their full potential. We can overcome fear when we acquire and develop empowering tools, live large and feel powerful. When fear relates to your physical safety it’s time to learn some self defense.

In this episode we are joined by Teri Coffee McDuffie from Santa Barbara Womens Defense (http://sbwselfdefense.com/) and the Coastal Self Defense Academy to discuss how you can improve your self confidence by learning and practicing self defense techniques. Teri provides us with some practical, real-world ways to be more aware, large and in-charge.

Teri has developed a Self Defense program for women of all ages who may not have had the opportunity or time to learn a full Martial Arts curriculum, but needed ways to strengthen their mental and physical strengths and abilities.

You can access the book referenced in the episode “The Gift of Fear: And Other Survival Signals That Protect Us from Violence” by Gavin de Becker here: https://www.amazon.com/Gift-Fear-Survival-Signals-Violence/dp/0440226198/ref=sr_1_1

#fireandearthpodcast #selfdefense #confidence

E32: Budgets and Other Fake Numbers

There are quite a few myths and misconceptions surrounding budgets, but three that I find to be very harmful to individuals and organizations. Listen in to this episode to learn how you can avoid the pain of believing these fake numbers and misconceptions.

To connect with me on LinkedIn, here’s my profile info: https://www.linkedin.com/in/jasonmefford/. Send me a personalized connection request and let me know you listen to the podcast so I can accept your request.

To take advantage of the 50% off cRisk Academy on-demand course use this link: http://bit.ly/criskacademy and use coupon code: JAMMING2019 when you register for a course. cRisk Academy is offering this to listeners of the Jamming with Jason podcast through 30 November, so make sure to take advantage of your savings today.

Jamming with Jason is the #1 #internalauditpodcast in the world has interviews and discussions (jam sessions) relevant to Chief Audit Executives and professionals in #internalaudit, risk management, and compliance.

Transcript

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Welcome to another episode of jamming with Jason and today we are going to be talking about budgets, I’m budgets. Okay.

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Now before we get into our discussion of that topic today I wanted to take just a minute and kind of do a little public service announcement for people

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Because this is one of the things that I’ve been experiencing myself and see that I’m guessing that other people are experiencing this as well. And it relates to social media.

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I have been getting a lot of fake people requesting to connect with me on LinkedIn and Facebook. So not sure if you’re experiencing that as well.

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But this morning. I actually got a connection request from the crown prince of Dubai, which again is not not unusual since I’ve done a lot of work in Dubai over the years. But when I looked at the profile.

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Shake calm down only have 13 connections. So that tells me that it’s probably someone pretending to be him.

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Now here’s the sad thing. Some of the people that I’m connected with had already connected to this fake profile.

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And so, you know, again, if it only has 13 connections. I’m pretty sure that is not a real person. So be aware, don’t just blindly accept connection requests from people

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So with that, let me just give you a couple of tips here about social media in general. Now, most of the time I hang out on LinkedIn.

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And if you’re a regular listener of the podcast. I would love to connect with you on LinkedIn.

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And so I’m actually going to leave in the show notes, my direct profile link so you can go out there and actually connect with me.

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But do me a favor. Because like I said, I get so many fake connection requests. When you send me the connection request, do the personalization.

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So if you’re on your computer and you click Connect. It’ll ask if you want to personalize it if you’re on your phone. Don’t just click the Connect button, actually.

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Click on the little three dots over to the right. And from that you can have an option to personalize request because here’s the issue. I get a lot of

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requests from people. But if you send me a personal request and, especially, like I said, if you’re a listener of the podcast and say something like

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Hey Jason listen to the podcast. Love it. Would love to connect with you on LinkedIn. I’ll connect with you. And we can actually have a real conversation.

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Because you know that it’s me on the other side and I have more confidence that it’s actually a real person on your side as as well. And we can actually have that conversation.

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So one of the things to do is if you want to connect with people, make sure that you send them a personalized request or connection request so that way they actually know

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Why you want to connect with them who you are and that’s one of the big steps in actually starting an online relationship with somebody

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Because like I said, I do get a lot of different connection requests. In fact, sometimes I get them from people I know.

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Have been dead for several years. And so again, just, just be careful of that and realize that there’s lots of people out there that are trying to steal your information.

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And access your network. So just be a little cautious. Okay, so that’s enough of the public service announcement, not to try to scare everybody

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But like I said, I’ve been experiencing this a lot more the last month or two, and so wanted to make sure that you were aware of that and out there.

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And like I said, if you’re a regular listener to this, you’re an internal audit risk compliance. You’re a chief audit executive

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I want to connect with you. So please make sure and click on the link, because I would love to connect with you on LinkedIn, so that we can continue our relationship online.

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As well as you just listening to me. Each week so alright with that, let’s get into the topic of budgets.

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Now some of you as you look to the title of this might be saying, Jason, you’re kind of crazy. What do you mean budget and FAKE NUMBERS.

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Well, you know, the last year to we’ve been hearing a lot of stuff about fake news fake news. Right. Well, a lot of times budgets are actually FAKE NUMBERS.

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And people don’t realize that. So one of my jobs or one of the things that I see that I’m here to try to help you do is to understand what the world is really like.

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And in maybe break some of those myths or misconceptions that people have

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Around certain things and one of those is budgets. And so what I want to do today is go through and talk about, there’s really kind of three.

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Misconceptions about budgets that I want to help share with you so that you don’t end up in the trap of believing, some of these things.

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Because actually, believing these things can be harmful to you. Okay, so the first one is that there’s a lot of people that believe that budgets are controls. Okay. And that is not the case.

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Okay, having a budget is not necessarily a control. Now you can argue that it’s maybe a monitoring, control by finance or by others, to make sure that

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You know, we’re not spending too much and get ourselves into trouble from a cash flow perspective. And believe me, I get that. I, I understand that budgets are an important part

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Of running a business of trying to, you know, have that stewardship over the money and make sure that you are spending.

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In investing in the ways that you need to to help you achieve your objectives, but here’s the issue with with it around controls.

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You may be able to argue that it is a control, but I will tell you, it is a very effective control if it is even a control at all. And here’s the reason.

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Budgets are made up numbers at the beginning of the year. No one can accurately predict exactly how much you will spend and when you will spend those amounts over the course of the year.

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It’s a planning tool right to help us manage our cash flow and also to make sure that, again, we’re not. We’re not going crazy on purchasing things that we do not need to purchase and I understand that side of it. But here’s the thing. I’ve actually seen in my own career.

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When actually equal budget. Okay, so if someone or, you know, a certain manager and apartment, if they are always consistently exactly on budget.

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There’s usually fraud going on. And the reason is because no one can accurately estimate exactly what they’re going to spend

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And so one of the fraud schemes that some people have used and that I’ve seen in my career.

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Is if they’re going through the year. And they know that they’re going to be under budget that’s a perfect opportunity for them to put in, you know, fake or fraudulent invoices.

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To make sure that they end up kind of right at budget because if you’re right at budget than most of the time people are not questioning you

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And again, like I said, that is one of the reasons why budgets are ineffective because as a control because most of the time. People think if actual equals budget, then everything must be okay.

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But what I’m telling you is if budget equals actual there’s a problem. People should be under budget or over budget if they’re exactly on budget, there’s probably some funny business going on.

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In their numbers. So again, from an internal audit perspective that can be again one of those things that you may be monitoring.

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To try to identify where fraud could be occurring in your organization.

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So that’s the first thing is that, you know, a lot of times people believe that budgets are a control. And like I said, they’re not really a control and and in fact the way most people think of them or try to use them as a control.

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Is very ineffective. Okay, so the second one that I want to get into. It’s kind of another misconception around budgets.

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And that is that sometimes people believe that budget numbers are real. And as I told you before, budget numbers are not real.

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Budget is an estimate of what you think you will spend during the year, it will not match exactly with what you’re going to spend

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And here’s the reason. Right. You, you create budgets, usually a year in advance. You have no idea. Right. A year ago, what you are actually going to be encountering. And so because of that.

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They’re, they’re not actually real numbers. It’s an estimate. It’s something that you’re projecting, but it will not equal the actual of what happens. And let me give you a real, real life experience for me. And one of my companies.

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Every month I would get a call from accounting

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And the call went pretty much the same. And I’m just going to kind of give you some some facts around it so that you can kind of understand where we’re going with this.

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So, and I’m going to use make made up numbers because it was a while ago. I can’t remember what the actual numbers were but I’m on one of the line items in my, in my budget.

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I had estimated that I was probably going to spend around $25,000 during the year, on this particular thing.

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Now I did not know for sure what the amount was going to be. I was estimating. It was probably around $25,000 I didn’t know which month during this next fiscal year.

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That that expense would actually come through. So if I if I knew or I estimated. Let’s say that it was going to be in August, then I would have put all $25,000 in my august budget number

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But like I said, I didn’t know what that was. And so during the budgeting process our company, we would just split up. So again, if I thought it was going to be about 25,000

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I would split up and say, Why don’t you just charge my budget $2,000 each year or each month we’re going to estimate it’s probably going to be 2000 a month over the course of the year. That’s $24,000 that’s very close to my

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Since I don’t know which month it’s going to happen in will just spread that cost out over the course of the whole year. Okay.

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So in my budget on that line item I was expecting to spend on average $2,000 each month.

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Now the first couple of months went through and I hadn’t spent the budget yet because I hadn’t done that particular project that required me to use the money.

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So after a couple of months. Someone from accounting would call me and they would say, Jason. I was looking at your budget numbers and I notice that you are behind on your budget, you’ve estimated $2,000 a month.

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But you haven’t spent anything on that. And I would say yes. And I would explain to them I estimated that over the course of the year would probably be around 24 $25,000

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I didn’t know for sure, which month that was going to be in. That’s why I’m under budget. Currently, okay. I had the discussion with them thought everything was good.

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The next month, they would call again. And they would say, Jason, we notice again that you are under budget, why are you under budget.

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I would go through and explain the same thing again and again, thinking that this was going to be done now.

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The problem is the person in accounting just couldn’t understand or wrap their head around that, because I had put $2,000 in my budget each month.

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They expected to see a cost for $2,000 every month. And it wasn’t there. So again, it’s not a real number. It’s what I was estimating that I was going to have. So fast forward a few months.

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And around the middle of the year, we ended up doing the project. And so I spent $25,000 okay so i budgeted 24 2000 every month.

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Thought it was going to be around the 25 it came in, let’s say, at $25,000 so now all of a sudden the monthly calls changed because again I was getting this call every month from this person accounting

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And wasting my time and wasting their time. Well, middle of the year when I actually spent the money, then the call said, Jason. You’re over budget, why are you over budget.

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And I would have to again go in and explain to them over the course of the year. I didn’t know when it was going to be. But at some point I was going to spend $25,000

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I spent $25,000 last month. That’s why I am over budget during this particular month. And again, those calls would happen every single month now.

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Budgets are estimates. They are fake numbers but but believing that they are real and going through that level of detail was a big waste of time for me and for that person and accounting

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Because like I said every month, you know, I could figure, pretty much on a certain day after a month and

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My phone would ring I would look down and see that it was the same person calling me every month. And we would have to have the same discussion.

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So again, believing that budgets are real numbers actually waste a lot of people’s time in trying to explain why you’re a little bit over why you’re a little bit under budget.

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And like I said this, this takes up an enormous amount of time and it’s a big waste of time for most organizations, because they place too much reliance

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On the budget numbers which, as I said before, are just an estimate. They are fake numbers because we don’t know exactly what it’s going to be until we actually incur the expense now that moves us on to the third item.

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That I see a lot of people. That’s again a myth. And this is one of the things that ends up hurting. A lot of people as well.

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Is the belief that I don’t have the budget, it wasn’t budgeted for so I can’t do this. And I hear this a lot of time from people, you know, something comes along, during the year that you hadn’t anticipated surprise.

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Okay, I’ll tell you every year, there’s going to be something that comes along that you didn’t anticipate, because again, you’re trying to make an estimate a year ago.

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As to what you think the current is going to be, and it’s not going to be that way. Okay. So, inevitably every year there are going to be things that come up

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Now some of those things could be you know cost saving measures where if I invest a little bit of money. Now, maybe I save money in the future.

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It could be a new opportunity that comes along, right, have a new product, a new, whatever it happens to be.

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And I see people that stop and say, well, this is a great idea, but I don’t have the budget for it. So I can’t do this thing to take advantage of this new opportunity.

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And that hurts businesses, when you do that. Okay, let me use an analogy to try to explain this to you.

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If you know I’ve got two cars. My wife has a car. I have a car because we need to be able to travel and go where we need to go right

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And so as an example, my wife needs to use her car to go to work, five days a week.

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Now obviously in our personal budget, we have kind of some money that set aside that we know how much we’re going to have to pay for gasoline or petroleum depending on where you’re at in the world.

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For different repairs and other things like that. So we’re saving aside some money worked. We’re trying to budget, but we don’t know exactly when something is going to happen.

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So imagine if my wife goes out to the car and we realize that there’s something terribly wrong with the car and the car needs $2,000 worth of repairs. Okay.

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because something happened that we hadn’t anticipated. Now we could sit back and say, well, we don’t have the budget for that. And so, you know, until we have the budget to fix the car.

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I’m sorry, honey, but you’re just not going to be able to go to work. You’re just not going to be able to use that car because I didn’t budget for that $2,000 repair.

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Now think about that. That’d be really silly for me to say, wouldn’t it, because again, she needs to use that to be able to go to work to earn money.

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And so what inevitably happens. This is what I’m saying happens a lot in businesses is things will happen. You didn’t expect.

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There’s a new training you wanted to go to. There’s a new opportunity for cost savings that you hadn’t figured before don’t use the excuse of I don’t have budget.

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For you, not to take action on those things. Right. So again, now maybe I hadn’t budgeted for that $2,000 expense on the car. But it’s important to me.

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And I need to find a way to make that happen because just sitting back and having an excuse and saying, I don’t have the budget is not going to help me accomplish my objectives.

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And so again, realize that those things are going to come up during the year, because like I said, I see businesses and and professionals, all the time.

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Using this as an example as as as a an excuse for them not to take action and inevitably what ends up happening when you use an excuse. Like, I don’t have the budget.

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Then you’re probably hurting yourself and hurting your organization because you’re forgoing or not doing something that you need to do.

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Okay, so as kind of a little wrap up right there are some misconceptions about budgeting and I don’t want you to get caught into those traps, you know, don’t believe that they are really a strong control realize that if they even are a control. It’s usually a very ineffective control.

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Don’t believe that the the budget numbers are actually real numbers because they are estimates. And again, don’t get into that habit of using an excuse of saying, I don’t have budget.

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If it’s something that’s important. If it’s something that you need to do, then you need to find the money to do that.

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Now some tips and tricks to do that is obviously making sure that you’re trying to estimate or budget.

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For some unexpected things during the year. Right. And so a lot of times, I will. I’ll tell people, as an example, chief executives that I coach.

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To say, look, you know, what if you think you’re going to spend $150,000 on this particular thing. Give it a little extra cushion put in 175 or 200

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Because during the year, there’s probably going to be something that’s going to come up that you haven’t anticipated.

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And so try to have some of those things thought about. But again, you will not be able to think about everything there will be things that come through and you may need to go back and ask for more budget.

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If that’s the case, and again, you just need to go through the process of being able to have the courage to ask for it. If you really need it.

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And also to be able to know how to create the business plan and calculate a return on investment, because again, like I said, if you come up with, let’s say, an idea.

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To where in future years. You can save you know $200,000 a year, but it’s going to require you to spend 50,000 in the current year that was not budgeted for

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Well, you need to figure that out and go, look, this is going to save us $200,000 for the next five years. That’s a million dollars worth of savings if I spend 50,000 today.

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When you go to your CFO with that sort of information that’s backed up by the numbers. Let’s see here. If I, if I’m a very smart CFO and somebody comes to me and says, If you invest $50,000 you’re going to get a million dollar return. Does that sound like something as CFO would like

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They should be they’re thinking, right, if they’re a good CFO. Now, if they’re caught in the same budget trap and say,

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Well, you know, the problem is we’re just going to have to let that million dollars go because we just don’t have 50,000 in the budget this year. That would be really stupid. Okay, so again,

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Some of the misconceptions that I see around budget. And like I said, the reason I’m bringing this up is I just see a lot of people falling into that trap and I don’t want you to fall into that trap as well.

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Because when you believe things that are not true, you end up hurting yourself and you hurt your organization. And I don’t want that. So with that, my friends of theirs, some of the misconceptions about budget.

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Let me know what you think. Like I said over over a long career working with lots of companies I just see these as being some things that

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A lot of people believe that are incorrect. So with that, go out. Think about how you can do things different this week and be able to provide more value to your organization and I’ll catch you on a future episode of jammin with Jason. See you.

Fire & Earth Podcast: E44 Using Self-Talk and Gratitude to Move You Forward

Does it annoy you when you are trying to stay positive and someone else starts bringing you down with their negativity? What if that other person is actually yourself? We are often our own worst critic.

In this episode we discuss how you can use self-talk and gratitude practices to encourage yourself and keep things in perspective. When we look back on what we have accomplished, feel and express gratitude we can get back in the ring and keep moving forward.

#fireandearthpodcast

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