Summary:
Between Black Friday and Cyber Monday there were over 61 million transactions, but not because inflation is getting better. I sit down and chat with Matthew Johnson, who points out that, as businesses make it increasingly easy to pay using credit, interest on these lines of credit is simultaneously skyrocketing. Credit card companies are taking full advantage of higher interest rates, and the problem isn’t being resolved any time soon. Tune in to hear more on this topic and to learn how you can be financially defensive in these circumstances.

Highlights:
-The items that had the biggest purchase increase under buy now and pay later were food and beverage related
-We are up tremendously in debt, and credit card companies are taking full advantage of higher interest rates
-The average interest rate on a new credit line opened today is over 22%
-We have grown to expect that the government is always going to come to the rescue
-Both people who have and don’t have money are spending
-We need to be careful with how we are spending are money because interest rates are not done going up quite yet
-There is a lot of potential pain to come between now and the new year

Useful Links:
Financial Survival Network
Johnson Wealth and Income Management

Direct download: Matthew_Johnson_02.Dec.22.mp3
Category:general -- posted at: 8:00am EST

We received a further sponsor update from Torq Resources' (OTCQX:TRBMF -- TSX.V: TORQ) CEO/Chair Shawn Wallace and Chief Geological Officer Michael Henrichsen. There's been a steady stream of positive news and the pace is accelerating.

The company announced that it has defined a gold--copper mineralized system over an impressive 800 meter strike length at the Falla 13 discovery (in its Margarita project). Most notable among the results: 64 m of 0.63 g/t gold (Au) and 0.63% copper (Cu) in 22MAR-017R, 130 m of 0.36 g/t Au and 0.28% Cu (including 30 m of 1.02 g/t Au and 0.57% Cu) in 22MAR-023R, and 62 m of 0.51 g/t Au and 0.38% Cu (including 16 m of 1.6 g/t Au and 0.98% Cu), in 22MAR-024R.''

CEO Wallace stated, "The successful completion of the second drill program at Margarita marks an important milestone for the project and the Company. It is incredible that less than one year ago, Margarita was a prospect without a single drill hole."

Chief Geological Officer Henrichsen concurred, "With our second phase of drilling complete at the Margarita project we have been able to delineate a mineralized body over an 800m strike length in a short amount of time. Over the next several months we will refine our targets through additional soil sampling with an emphasis on gold, additional induced polarization (IP) lines in the northern region of the project and continued geologic mapping. We look forward to outlining our third phase drill program for the project.”

The inaugural drill program at the Santa Cecilia project is next on the agenda. Torq expects major results here as well. CEO Wallace says: "I've never been more excited in my career...I cannot wait for this drill program. I'm giddy about it...The rarity of being able to go work on something like this...It's a dream come true."

As Henrichsen said, "Torq is tracking in the right direction." Major progress is being made on its projects and investors will eventually realize the rewards of Torq's aggressive strategy.

Company Website: www.TorqResources.com

Ticker Symbols: OTCQX:TRBMF -- TSX.V: TORQ

Direct download: 071_Torq_Resources_FSN.mp3
Category:general -- posted at: 6:48pm EST

Summary:
Kyle O’Dell has a long history in the financial sector, and comes on the show to give his take on the latest GDP numbers. Although the 2.9% GDP headline looks promising, Kyle suggests that there is a lot more to it. Other variables such as increasing credit card balances, lower income levels, and lower savings indicate that the reality is less positive than we may be led to think. Kyle outlines some investing opportunities that provide safety within the downside, and we discuss the future implications of what is happening right now. Tune in for more insight.

Highlights:
-The employment numbers are looking weak and GDP is looking better
-The reality isn’t quite as encouraging as the 2.9% GDP headline; Kyle suggests that there is a lot more to it
-Credit card balances are going up, income is down, and savings are down. We’re also seeing sluggish business investments and a slowing housing market
-The reality is that the 2.9% is not as positive as it looks on the surface
-The reasons to stay away from the market or be cautious change every year
-Over time, a well diversified portfolio plays out, but you need to be careful about where you’re investing in
-Fixed index annuity has no downside at all, and this is a great place to draw from when the markets are down
-You have to have a plan and implement it before the market takes a step back
-As interest rates go up, the value of bonds decreases
-Productivity is down and supply and demand are decreasing
-Rising interest rates hurt business and the consumer
-We want to see strong GDP with lower inflation
-Banks sitting on money is going to hurt all sides of the economy
-The United States being more energy dependent is the best option
-Consumer sentiment reached its lowest point in June 2022
-We need to stop using a blunt object to solve all problems

Useful Links:
Financial Survival Network
Edgerock Wealth

Direct download: Kyle_ODell_01.Dec.22.mp3
Category:general -- posted at: 8:00am EST

Summary:
With all the recent social unrest and demonstrations are taking place in China, it is important to gather perspectives from those that have insight on the entire situation. Asia & Emerging Markets Strategist Carl Delfeld comes on the show to discuss why everything unfolding in this way, emphasizing that China’s primary goal is to preserve the Communist party and reunite Taiwan with their mother country. The overarching concern for America right now is preserving our dynamic stability, and Carl outlines some things to watch out for in the near future.

Highlights:
-Carl Delfeld has a long history in this part of the world
-Growth has been slowing and there is discontent among the private sector in China
-Their healthcare infrastructure is nowhere close to what it needs to be for how densely populated it is
-They have to put the rebellion down before they change the policy
-Everything happening right now is the perfect storm for the communist party
-Their ultimate goal is the preservation of the Communist party
-It’s highly probable that they will tighten rather than loosen
-It could be smart for them to open capital to the private sector; this could be the spark that gets the economy to the 5-6% growth rate that they need
-Reuniting Taiwan with the mother country is a large priority for China. Carl predicts this will happen around 2024 or 2025
-China's leverage over Russia is now almost total, and Russia is going to rely on China to get through this period. Carl believes that China’s real goal is to dominate Eurasia
-We need to take the right steps and preserve America’s dynamic stability

Useful Links:
Financial Survival Network
Power Rivals: America and China's Superpower Struggle

Direct download: Carl_Delfeld_29.Nov.22.mp3
Category:general -- posted at: 8:01am EST

Summary:
As we start to think about tax planning, it’s important to plan for asset protection. How do you hold on to your wealth and establish protection? Clint Coons comes on the show to talk about how you can position your assets so that, in the event of a lawsuit, you won’t lose everything. Clint explains how you can use structures and trusts to keep your name hidden from the assets that you own if a creditor runs a search on you. Tune in for more insight and tips from Clint.

Highlights:

-There are lots of attorneys out there, and they bring in revenue by picking up clients with peculiar cases
-Many of Clint’s clients have faced shakedown losses
-Clint shows investors how to position their assets so that, if they get sued, they don’t lose everything.
-If someone is going to come after you
-People are typically focused on high value targets, which are people that have assets
-If someone runs an asset search on you, it’s good to make sure that nothing found puts you at higher risk. You can set up structures and trusts to do this, and to make sure that your structure isn’t attached to your name. Discover what a creditor can see, and take steps to remove your personal information from that database
-When you convert real property to personal property, you no longer have a homestay
-Trust planning makes a lot of sense for privacy and personal protection

Useful Links:
Financial Survival Network
Anderson Advisors

Direct download: Clint_Coons_30.Nov.22.mp3
Category:general -- posted at: 8:00am EST

Summary:
This Black Friday didn’t look quite like last year’s, so I sit down and chat with Eddy Gifford to discuss the shift in shopping habits. Given the adjusted inflation numbers, online sales are not up in the way that businesses want us to think they are. As foot traffic declines, we’re starting to see the destruction of demand, which also means that employment will start to go up. Ultimately, things are going to get worse before they get better. Tune to get a glimpse of what’s to come in 2023.

Highlights:
-Black Friday is not what it used to be; the retail sector has spread out Black Friday promotions
-Online sales are not actually up given the adjusted inflation numbers
-We’re not seeing the same foot traffic we used to in stores
-We’re seeing the destruction of demand, which means employment is going to start going up
-Treasuries have started to retreat
-The first/second quarter of next year are probably going to be ugly
-We probably haven’t seen a bottom occur yet, and. things are going to get worse before they get better
-The economy may have impacted the election in terms of Democrats attacking Roe v. Wade
-The idea of the Fed easing at the perfect time may not be feasible

Useful Links:
Financial Survival Network
Tactive

Direct download: Eddy_Gifford_28.Nov.22.mp3
Category:general -- posted at: 8:01am EST

Summary:
We saw the average price of a Thanksgiving meal go up this year as a direct result of inflation. How much longer will we see these trends, and can you experience financial wins despite volatility? Business transformation expert Carl Gould comes on the show to talk about this topic, and proposes a few different strategies for investing during this time. Furthermore, we discuss what is going to happen with employment, and things to be mindful of within your career or business. Tune in for more insight.

Highlights:
-The average cost of a Thanksgiving meal is up, which is directly indicative of inflation
-Some retailers are rolling back their prices for Thanksgiving food items
-We should expect higher than normal prices for the next 3-6 months
-You want to look for industries that are low now and on the rise (i.e. real estate)
-Invest and then participate in all of the up gains
-The Federal Reserve is being careful not to stall the economy while raising rates
-The job situation hasn’t deteriorated yet, but we can envision this happening
-Salaries will probably come down, and an unemployment correction won’t happen for a while
-When hiring, be cautious of those that have been moving around and may back out during tough times
-The average tenure of an employee is now three years
-Performance based pay is also very valuable
-One of the top strategies in a volatile economy is to bundle products/services together. This eliminates the cost of client acquisition

Useful Links:
Financial Survival Network
Carl Gould

Direct download: Carl_Gould_22.Nov.22.mp3
Category:general -- posted at: 8:00am EST

Summary:
Unsurprisingly, the crypto space has been imploding. I have David Ackerman on the show to gain some perspective on the recent fraud that occurred, and how we can avoid these situations in the future. David talks about the importance of protecting information, says that clarity of regulation will ensure the safety and prosperity of cryptocurrency going forward. Tune in for more insight.

Highlights:
-The crypto space has been imploding, which is not surprising
-David Ackerman comes on the show to give us a unique perspective on how the recent fraud occurred
-At a high level, we’re seeing a lot of information being condensed into a few players
-In the crypto world, you don’t have protections about what information can/can’t be shared
-One of the flags that David missed was people not performing the same work across the board
-If you don’t understand what cryptocurrency does or what makes it valuable, it’s best to stay away from it until you gain that understanding
-Look inward and understand your own financial assets, get educated, and decide how much risk you are able to take
-This exemplifies why we need to put some guardrails around the digital currency industry
-Better clarity of regulation will prevent future crises with crypto
-David reassures us that many people in the industry are looking out for others and trying to make cryptocurrency more secure

Useful Links:
Financial Survival Network
MobileCoin

Direct download: Dave_Ackerman_25.Nov.22.mp3
Category:general -- posted at: 8:00am EST

Summary:
Author, international real estate expert, and Austrian economics devotee John Michailidis comes on the show to discuss strategic planning and investing, which happens to be part of the title of his latest book. Many people lean on their 401k as their primary retirement plan, but John aims to enlighten people about the world of investment opportunities that exists. Take charge of your future and invest in areas that interest you, putting your money into assets that you believe in. Tune in for more expert knowledge.

Highlights:
-John’s book is designated to be a series of tastes
-A lot of people consider their 401k from their job to be their entire retirement plan
-Wall Street intends to maximize their own returns
-Is putting your money into the company 401k the best plan? Investing is more than just putting your money into something. There is a whole world of investing opportunity that the average person could know about
-The book is not meant to make you an expert, but to provide a general survey of investment opportunities and a list of resources that will guide you in the right direction
-With a 401k, funds are taken out of each paycheck and go towards a company that doesn’t necessarily have any allegiance towards you
-You need advisors that look out for your best interest
-You can self direct, but you need to research what that means. Investing is ultimately a team sport, and a solid collection of individuals will set you up for success
-Understand the fundamentals of the things you are investing in
-Go to conferences about what you want to invest in
-A lot of money was created in the last two years, and this money shows up in price increases
-Finances shouldn’t run your life, but they should be an important focus in life

Useful Links:
Financial Survival Network
John Michailidis

Direct download: John_Michailidis_21.Nov.22.mp3
Category:general -- posted at: 8:00am EST

Summary:
China and Japan are dumping dollars, and many countries that borrowed in dollars have had their expectations of US currency being cheaper turned upside down. I sit down and chat with John Rubino to discuss this phenomenon, and he contends that extreme volatility is going to make its way from the financial markets to the currency markets. Furthermore, the prospect of a technological totalitarian state is no longer a distant theory, and direct actions are being taken to get us there. Tune in for more valuable insight.

Highlights:
-China and Japan are dumping dollars. Their currencies are tanking due to massive inflation, and they’re running through foreign exchange reserves to prop their currency up
-They’re selling US treasury paper
-How long will this last? You eventually run out of dollars
-The problem is that many countries borrowed in dollars because they expected for it to be cheaper and for the dollar to go down
-We can expect extreme volatility making its way from the financial markets to the currency markets
-We’re still in the early innings
-The US is giving billions of dollars to Ukraine, and they invested this money in a big crypto exchange The people running this crypto exchange were donating a lot of it to democrat politicians
-The prospect of vaccine passports is more likely, building a technological totalitarian state in front of our eyes
-The housing bubble has burst
-With today’s mortgage rates/prices, you need to make $120k annually to afford a median priced home
-Sales are crashing and home inventory is spiking; a recession looks unavoidable

Useful Links:
Financial Survival Network
Dollar Collapse

Direct download: John_Rubino_21.Nov.22.mp3
Category:general -- posted at: 8:00am EST

Art Halleran, CEO of rising star natgas producer Trillion Energy (OTCQB: TRLEF – CSE: TCF) joined us for a sponsor company update. To date, two wells have been recompleted and immediately began selling production. The first payment is due December 20, 2022. These wells alone will be generating US$3 million per month or as much as $36 million per annum. Revenue could potentially go higher as the operator seeks to optimize production and stabilize pipeline gas pressure.

Halleran has done the near impossible, he has taken a moth-balled gas field that was given up for dead and turned it into a potential billion-dollar asset. More importantly, while there are many new gas projects on the drawing board, under the best of circumstances they will take several years to come online. Europe needs the gas now! Trillion’s wells go from completion to revenue production in a matter of hours. This is due to some $600 million in off the books infrastructure that enables the company to rapidly connect new wells to its existing pipeline and gas processing system.

And the best is yet to come. 15 more wells are due to be drilled in two programs, 5 more in program A and 8 in program B. A new well should be coming on approximately every 45 days. (At $3 million per month added cash flow). You do the math, we're talking hundreds of millions before the company drills an exploration hole.

The company has many drill targets within its current block, as well as the ability to expand to other promising adjoining blocks. It has the seismic data and the infrastructure to rapidly tap into the most promising prospects. Trillion's huge potential upside has not yet been perceived by the market.

In his low-key style, Halleran sums it up best, “We are very pleased that our multi-well drilling program is off to a very strong start. We are “Two for Two” so far with both South Akcakoca-2 and Akcakoca-3 wells now successfully producing gas. Each well additionally has 10s of meters of identified gas sands ready for perforation and production in the future to keep production levels up. This is a desirable situation for the Company to be in.” As well as shareholders like us. Company website:

www.TrillionEnergy.com

Direct download: 070_Trillion_Energy_FSN.mp3
Category:general -- posted at: 7:51am EST

Summary:
Inflation continues on, despite the efforts of the federal reserve and the government to make us believe that it is abating. With latent uncertainty and a long ride ahead, which sectors should we invest in right now? I sit down and chat with Dee Carter to recap what’s been happening in the markets—specifically in the energy sector. People are hesitant to invest in oil companies because of the push for renewable energy; on the other hand, fossil fuels are still an integral component of production. For general investing, Dee advises his clients to evaluate which sectors fit their particular situation, and mentions some things to consider in the current economy.

Highlights:
-We’re in a situation where we really don’t know what is going to take place over the next couple of months
-The senate is still 50/50
-We’re in for a long, tough ride that will probably last beyond January
-The problem right now is that no one wants to invest in energy—especially in oil companies
-No one wants to invest in something that may not be around 5-10 years from now
-Oil companies are receiving mixed directions in regard to production
-You can’t get away from fossil fuels because of how many products they are tied to
-We are perhaps entering the electrical situation a bit too early
-Right now, it is not feasible for all cars to run on electricity. It’s too early to do away with fossil fuels; we have to take it one step at a time
-Historically, energy transitions have been market driven—not government driven. The government needs to back down and let the markets do their work
-Energy is the place to invest. There are still some companies drilling, but some refineries have reached capacity
-We need to invest in the refinery process
-Surprisingly, consumer buying has not slowed down. We’re also still looking at pharmaceuticals and other health related sectors
-Look at sectors that fit your particular situation

Useful Links:
Financial Survival Network
Carter Financial

Direct download: Dee_Carter_19.Nov.22.mp3
Category:general -- posted at: 8:01am EST

Summary:
Your job is never 100% secure, and this is why you need to learn how to think like an entrepreneur—no matter what career you are currently in. Steve Rozenberg comes on the show to talk about how he was forced to do this when he lost his job as a pilot back in 2001. As he reflects on this critical moment in his life, he wishes that he would have adopted this entrepreneurial mindset sooner. Losing his job was extremely difficult, but he gained the opportunity to invest in real estate and build a successful business. He is committed to helping others control their destinies and build wealth, and provides useful tips for adopting entrepreneurial skills and strategies.

Highlights:
-Steve Rozenberg was a pilot for a major airline for a long time, and was laid off after 9/11. This was a humbling moment for him, because he was solely focused on being a pilot up until this point
-Even if you think your job is safe and secure, it is important to remember that your position could be affected at any point.
-If you’re an employee, you still need to think like an entrepreneur.
-How do you get secure workers to think like entrepreneurs?
-Steve’s decision to invest in real estate was motivated by getting laid off; he was in survival mode. It’s difficult to have this mindset until you have a reality check
-Motivation is like a battery. It drains over time, and your “why” is what will carry you through—even as you use your battery.
-Taking action is the only thing that will propel you forward. Even as you encounter failures along the way, having a solid vision and reason for your action will allow you to keep going
-Act as if a disaster is going to happen tomorrow, and start making changes now
-Steve is still a pilot now, but he does it because he loves it—not because he needs to do it
-The more you can put yourself in uncomfortable positions, these things won’t be a shock when they actually happen
-In order to get to the next level in life, you must do something different
-Surround yourself with people that have different patterns, or have already achieved goals that you are working towards
-Create a date for when your business could run without you, or be a sellable asset

Useful Links:
Financial Survival Network
Steve Rozenberg

Direct download: Steven_Rozenberg_19.Nov.22.mp3
Category:general -- posted at: 8:00am EST

Summary:
We outgrow many things over the course of our lives, financial systems included. Is it time to move beyond capitalism? Marco Dondi, the author of Outgrowing Capitalism: Rethinking Money to Reshape Society and Pursue Purpose, comes on the show to propose how we can rethink capitalism to build a better future. His book sheds light on how the financial system and money operate; furthermore, Marco fosters understanding about how money can be allocated to ensure smooth transitions within the global economy. Proposing more of an equal balance between freedom and government intervention, Marco unveils some solutions for the problems and inequalities that stem from capitalism.

Highlights:
-Is it time to move beyond capitalism? What’s the difference between capitalism and free markets?
-Marco Dondi is the author of Outgrowing Capitalism: Rethinking Money to Reshape Society and Pursue Purpose
-We are starting to outgrow capitalism—especially in developed economies
-Capitalism has created many useful things, but it has also created many problems (i.e. inequality, environmental problems)
-Lots of people today think that the government should intervene whenever they see fit
-Capitalism entails a balance of freedom and government regulation
-Marco proposes that some things can be designed to be much more free
-Energy transitions have never been done by the government; they’ve taken place within markets
-Hefty investments needed to bring new technology to a level of efficiency
-There are times when the government needs to get involved, but sometimes they can do more harm than good (i.e. the energy crisis)
-Is a carbon free world worth it considering the turbulent path required to get there?
-The transition will not happen without new global regulations and countries that are willing to take the lead
-We need to decide to what extent we can cause pain; some countries are in a better spot to make this transition
-With climate change, there needs to be more strategic direction.
-The constraint continues to be that money is limited. It’s important to understand where the financial system is putting this money, and how it can be allocated in a better way

Useful Links:
Financial Survival Network
Outgrowing Capitalism

Direct download: Marco_Dondi_16.Nov.22.mp3
Category:general -- posted at: 8:00am EST

Summary:
There’s talk of inflation, stagflation, and rates going up—is it too little too late? David Stryzewski joins us in this episode to discuss why this time will not be different, emphasizing that the true cause of our current economic turmoil stems from supply issues. With this in mind, currency continues to spiral downward, and the next crisis will come as a result of adjustments on the earnings side of things. Nonetheless, there are a few investment opportunities to take advantage of in fluctuating markets—fixed index annuities being particularly opportunistic right now. Listen in as David shares information that is relevant to the current situation and strategies to pull you through uncertain times.

Highlights:
-A lot of what policy has been doing is actually making inflation worse
-Affording life is becoming a lot more expensive
-The consumer is 70% of our economy today
-41 and a half years account for a full cycle. The Fed cannot continue to raise rates like this
-Inflation comes from spending, but how did we not see the problem earlier? We didn’t see it because these dollars went into the banks, and banks were lending out money for mortgages
-More millionaires have been made in real estate over the years than any other industry
-These dollars got out into society, and the catalyst for inflation going through the roof was Biden’s administration
-When the Fed raises rates, the goal is that the consumer can borrow less and has less purchasing power
-As much as we believe “this time will be different,” this is rarely the case
-Analysts today are looking at earnings and noting that companies are making the same amount of money as they were in previous years. This is merely because prices are so high
-What we’re going through right now has always been a supply crisis
-The Fed essentially doubled mortgage rates, which has created a huge challenge. Rates have gone up about 4%
-Who affects supply? Right now, no steps are being taken to fix the supply issue
-Migration changes within the US are probably going to slow down
-Builders are in a very difficult spot today; it has been extremely expensive to acquire property to build, and to get the assets needed to build. Approvals have also become more troublesome to get
-Corporations are borrowing
-In regard to pensions, it’s going to be the American consumer that feels the pain of this
-We’re about to see the earnings side of things get adjusted, which is what the next crisis will stem from
-Hedging is known as taking a long position but having some defense in the event that things don’t work out
-You can make money in down markets; you just have to know where to go. You have to learn to understand cash, protected assets, and risk assets
-Bonds can lose money in five major ways
-Fixed Indexed Annuities have the ability to give you upsides when markets are going up, down, and sideways. They provide more certainty, and there has never been a better time to own these
-Utilize an asset class that doesn’t follow the same rules to reduce risk and increase returns
-Protected assets have less liquidity
-In the short term, we’re seeing a bit of a relief rally

Useful Links:
Financial Survival Network
Sound Planning Group

Direct download: David_Stryzewski_15.Nov.22.mp3
Category:general -- posted at: 8:01am EST

Summary:
Printing money during the pandemic has unsurprisingly caught up with us. What does this mean for interest rates, real estate, and our everyday finances? Debbie Bloyd comes on the show to talk about some of the most pressing consequences of inflation—the shift in the psychology of the housing market being a major one. Since rates today are nearly double what they were last year, buyers have lowered their budgets and accepted that this is the new normal. There is not much that we can do to change these circumstances, but Debbie talks about the things we can control, such as leveraging the money you already have and looking to buy rather than rent when possible. Tune in for more great insights from Debbie.

Highlights:
-The decisions being made in D.C. have major consequences. We printed a lot of money to help people during the pandemic, but the effects of this catch up with us at some point
-It is costing people to live more now than ever before
-A lot of people on fixed income are struggling
-Rates today are 7.7%—almost double what they were last year
-People that wanted to buy houses last year decided to wait it out, but have now lowered their budget due to the increase in rates
-On the flip side, home prices have gone down a bit
-There aren’t going to be people buying homes unless they have the money to spare
-People are waiting for prices to drop, but we have to accept that this is the new normal
-The people that are going to move are the people that need to move, and the housing market is going to calm down. Debbie predicts that people are going to sit still for the next few years
-Leverage the money that you have. When it sits in the equity of your home, it doesn’t gain anything
-Put your money into an investment that makes more than your mortgage
-If you’re moving from somewhere that has more expensive real estate, prices in states like Florida seem like a bargain. It’s important to remember that real estate is relative
-The Fed won’t pivot for a while, according to Debbie. They will raise rates again one more time next year; the situation isn’t changing for the next 6-8 months
-Home buying is still a better option than renting from a landlord

Useful Links:
Financial Survival Network
Money Strategies with Debbie

Direct download: Debbie_Bloyd_16.Nov.22.mp3
Category:general -- posted at: 8:00am EST

Summary:
The crypto space is melting down, and we’re looking at a potential laundering scheme with donation funds. The Founder of Robert Ventures,Joe Robert, comes on the show to talk about the current state of cryptocurrency, and outlines some important things that he has learned over the last year. The crypto movement is ultimately about taking custody of your own assets, and it’s crucial to assess sustainability in the long term when it comes to digital assets. Joe recommends a few solid cryptocurrencies to invest in right now, and provides expert knowledge on holding digital currency.

Highlights:

-Many theories are circling, but we don’t have the full picture yet
-When you have money that can be easily made, a lot of people show up on the scene and problems can arise. People try to take advantage of the situation
-The loudest players end up being the people that get in trouble
-Robert has learned that the ethos around the crypto movement is taking custody of your own assets so that no one can put them at risk
-In any market, if the yield seems unreasonable, it typically always is. It isn’t sustainable over a long period of time
-In a bad economy, you’re more concerned about return of investment rather than return on investment
-When will it be time to get back into crypto? Bitcoin and Ethereum are safe bets at the moment
-Anytime data integrity is necessary, the blockchain is going to be involved
-Even as tens of billions of dollars have been invested, there are still busted trades

Useful Links:
Financial Survival Network
Robert Ventures

Direct download: Joe_Robert_15.Nov.22.mp3
Category:general -- posted at: 8:00am EST

CEO Peter Dembicki and Exploration SVP Christian Rios gave us a sponsor update on Tier One Silver (OTCQB: TSLVF – TSX-V: TSLV). The latest channel sampling results from the Magdalena Target at Hurricane were reviewed. While the ultimate proof is delivered by the drill bit, these results show that Tier One is likely on to something big. They found 1 meter of 852.5 g/t silver, 1.54% copper, 0.34% lead and 0.23% zinc: 1 m of 522.5 g/t Ag, 1.15% Cu, 0.18% Pb and 0.18% Zn and 2 m of 232.5 g/t Ag, 0.37% Cu, 1.06% Pb and 1.78% Zn. Mineralization at Magdalena has been extended by 500 meters. So far 4 kilometers of vein corridors have been identified. 

SVP Rios related, “It’s exciting to see the Magdalena target significantly expand after just 15 days of field work. Mineralization is present across horizontal and vertical extents with more than 150 m in vertical exposure and two levels of historical underground workings. Additionally, we are seeing anomalies that are consistent with an intrusive related system and the mineralization remains open in all directions, making this area a strong exploration priority of the 13 targets in the Hurricane district.”

Previously, SVP Rios’s efforts helped to reach a social agreement, which was rapidly approved by the communities adjoining Hurricane. Tier One took advantage and quickly started work, thus further dispelling many of the myths of dealing in Peru.  

CEO Dembicki relates that there could be a copper-nickel deposit present that may rival some of these huge deposits found in Russia and Brazil. Upon confirmation of the sampling, Tier One’s optionality will increase greatly.

 

Peter gave us his take on the junior miner sector’s current state. He noted that silver has recently bounced back to nearly $22 and appears to be going higher. He further observed the paradox of increasing institutional investor interest, while the retail interest in the sector has been lackluster. Looking ahead to 2023, he thinks that investors will again start focusing on drill results, ore grades and other important data as they pour into miners again.

Prospective drill programs are now being refined and in early 2023 they will re-commence. It’s an exciting time for Tier One and for us as shareholders.

Website: www.TierOneSilver.com 

 Ticker Symbols: OTCQB: TSLVF — TSX-V: TSLV

Direct download: 069_Tier_One_Silver_FSN.mp3
Category:general -- posted at: 12:17pm EST

Summary:
Will your investments keep up with inflation so that you can retire, or will you have to work forever? This episode’s guest, James Locke, provides some information on how you can invest to prepare for retirement, tailoring strategies to your personal portfolio and needs. He says that it is critical to shift to income focused investing, and to always consider how you can invest some of your current income back into future income. Moreover, be sure to work with someone who will listen to your needs and help you create a sustainable plan for retirement. Tune in for more insight.

Highlights:
-A lot of James’ clients have left the options world
-The number one question James gets is “Can I retire?”
-There aren’t as many pensions anymore. People start to wonder if their money supply will last longer than them
-What do you want to base your retirement on? What you know, or what you hope?
-Shift from growth focused investing to income focused investing
-Bonds, dividend stocks, and preferred stocks are good things to look into
-If you invest a little of your income back into income, you can grow it over time
-Look at your portfolio/retirement as if it were a house. Even if it’s worth more at a specific time, that doesn’t mean you can spend more
-Stocks won’t go up until people are confident that rate hikes have stopped
-It’s good to collect a number of perspectives. Make sure you’re working with an income specialist who will listen to your needs rather than telling you what you need

Useful Links:
Financial Survival Network
Poole Locke Associates

Direct download: James_Locke_10.Nov.22.mp3
Category:general -- posted at: 8:00am EST

Summary:
With the arrival of elections, many people are voting with economic issues in mind. Here to talk about the economic side of real estate is Sabrina Guler, the Co-Founder of Techvestor. Techvestor is a company that allows you to passively invest in short term rental investment properties, and has raised $21 million in the past 12 months. It runs through Airbnb and VRBO currently has 61 funds in total, over half of which are already active. Sabrina talks about the process of scaling Techvestor and maintaining short-term rentals to ensure the best experience possible. Tune in for more information on some of the exciting things Techvestor is doing, and to learn about the opportunity that lies in short term rental investments.

Highlights:
-Techvestor is primarily on Airbnb and VRBO
-They have 61 funds right now, 30 of which are under contract and in the process of getting launched. They currently have 31 active listings up
-They are primarily leveraged
-When they started, they set a bar for the types of homes they would be buying—which is important within investment
-They focus on larger homes with more amenities
-It’s important to have good people on the ground that know the house very well, and understand your expectations
-It’s the little things that contribute to a positive experience for guests across the board
-As they scaled the business, they were able to move into new markets
-They don’t have their own platform for direct bookings, but they plan to think more about this in the future
-A lot of people (in Florida at least) get tripped up on sales tax, resort fees, etc. This makes accounting all the more important, Sabrina’s company performs this very thoroughly—taking location specifics into consideration

Useful Links:
Financial Survival Network
Techvestor

Direct download: Sabrina_Guler_09.Nov.22.mp3
Category:general -- posted at: 8:00am EST

Heye Daun, CEO of Osino Resources joined us for a sponsor update. Osino is developing the Twin Hills Gold District in Namibia; he’s moving rapidly to build a mine. Daun a native Namibian mining engineer has built several successful companies, which were successfully acquired. He cashed up Osino around 18 months ago, raising $19 million through a private placement and warrant exercise. Osino has been racing ahead ever since. It recently secured a non-dilutive $10 million credit facility to hasten the mine building process.

Earlier in the year Osino acquired the nearby Ondundu project from B2Gold, adding nearly 1 million more gold ounces to the resource. Now it’s just a shade under 4 million ounces, Daun is confident that the company can push it over 5-million-ounce mark.

He is undaunted by the junior sector’s current woes. While he’s open to Osino acquisition by an appropriate suitor, he’s very content to build this mine. Improving the lives of his countrymen is extremely important to him. Namibia is a very stable country that is openly supportive of the mining industry. When combined with the project’s economics the story is quite compelling. Based on $1700 per ounce gold, the company will be generating substantial cash flows upon mine completion, which Daun expects in 2025. Higher gold prices and enhanced exploration potential will make the project that much more profitable.

Everything is looking up for Daun and Osino Resources and so is the share price. It seems that word has gotten out among well-heeled Namibian investors, they have been buying up shares at an impressive rate.

Company website: www.OsinoResources.com

Ticker Symbols: OTC:OSIIF  TSXV:OSI  FSE:R2R1

Direct download: 068_Osino_Resources_FSN.mp3
Category:general -- posted at: 5:28pm EST

We sat down for a sponsor update with FPX Nickel’s CEO Martin Turenne. Interest in FPX has increased greatly as major nickel customers line up to secure future deliveries. In addition, FPX built a pilot production plant to prove the efficacy of its nickel sulfate refining process and its ability to produce high-grade metal, without the need for smelting. Results from the first 18 tons of material are expected before year end (or early January) and Martin says the metallurgical results are huge and could be just the catalyst FPX needs for a revaluation of its shares.

Nickel has been hot. A March short squeeze sent it soaring and it has since come back down to earth, but it was still trading at a healthy $11 per pound the day we spoke. That’s a level Martin is very comfortable with.

He’s extremely bullish and for good reason. The recently passed US Inflation Reduction Act has many benefits for the battery metal sector and FPX in particular. The Act provides a $7500 tax credit to EV purchasers, provided that the batteries contained therein were produced in the US with materials from the US, Canada and Australia. This has led to a surge of companies seeking to build battery factories in the US.

Additionally, the Act provides $750 million to junior companies to help them perform the requisite studies and compliance requirements needed to fast-track their production. This is a tremendous boost to smaller companies seeking ever more scarce capital.

Step-out drilling continues at the Van Deposit. Results will be forthcoming shortly. An updated mineral resource estimate is on the way for the Baptiste Deposit. Therefore, all the steps are in place for FPX to advance its projects and ultimately realize its true value.

Company website: www.FPXNickel.com

Ticker symbols: OTC: FPOCF — TSX-V: FPX

Direct download: 067_FPX_Nickel_FSN.mp3
Category:general -- posted at: 9:32am EST

Summary:
An undeniable paradigm shift taking place lies in the move towards self sufficiency. This is a major component of the rural lifestyle, and Aaron Clarey comes on the show to talk about some of the things he noticed when transitioning out of urban life in his move to South Dakota. Aaron describes many of these changes as psychological. Leaving a big city means getting used to a slower pace of living, with less hustle and bustle and establishments that shut down earlier. He has found himself less concerned with the US/global economy, and has an interesting perspective on these things in relation to his life in a rural community. Tune in for more insight.

Highlights:
-There are paradigm shifts taking place, and a major trend taking place is the move towards self sufficiency
-Many people experience a shock when they go to less urbanized areas
-Aaron has adapted to the rural lifestyle, having lived in South Dakota for a while now
-One of the biggest adjustments is going from the hustle and bustle of traffic and constant activity to the slower life or rural communities. It’s a psychological adaptation
-Establishments have fewer employees, and thus close down earlier
-Higher end amenities are few and far between
-There is a greater sense of community in more rural areas, which comes with heightened accountability—but this is good thing
-Aaron feels somewhat divorced with the US/global economy, but this comes from his job. He considers himself a contrarian investor
-Aaron is also a minimalist; he doesn’t have many expenses
-It’s good to pay attention to politics and economics, but responding with anger doesn’t accomplish anything.
-Accept what you do and do not control, and don’t let the negative things that aren’t in your control bring you down

Useful Links:
Financial Survival Network
Captain Capitalism
Aaron's Consulting Company

Direct download: Aaron_Clarey_09.Nov.22.mp3
Category:general -- posted at: 8:00am EST

Summary:
Are home values and securities/investments going to implode? I sit down and chat with New York real estate expert Andrew Ragusa to get the latest insight on what’s happening in real estate, especially in light of the economy and politics. Speaking from his experience in the industry, Andrew reports that many people are leaving New York City and settling in the suburbs, and this is largely influenced by crime. He also notes that, although people don’t have as much buying power as they once did, people are still buying and there is a lot of inventory on the market. Tune in for more information on what is happening and what is to come in real estate.

Highlights:
-Everyone is concerned about inflation, the price of food, and the prices of homes
-People are headed to the ballots with financial issues in mind
-People are upset with how much money is being spent
-New leadership in Congress could help put some sort of check in place
-Homeowners in NY are also thinking about crime
-Lots of people are leaving the city and relocating to the suburbs
-We’ve seen a 5-6 point increase in a year, and prices have still not budged very much
-New York State could very well shift political views, with many voters going red this time around
-The bidding wars with properties are no longer as drastic
-People don’t have the same buying power they used to, but they are still buying nonetheless. There’s also a decent amount of inventory on the market. Beforehand, many people were settling for a home rather than finding one that fit all of their criteria

Useful Links:
Financial Survival Network
Andrew Ragusa Instagram
Andrew Ragusa Website

Direct download: Andrew_Ragusa_08.Nov.22.mp3
Category:general -- posted at: 8:00am EST

Summary:
How do you reach your goals in difficult times? J.D. Frost has asked himself this question, and is coming out with a new book called The Life Ledger to help you make progress and work towards what you want. J.D. believes that writing down your goals and reviewing them each day is essential to reaching your desired life, wealth, and accomplishments. In his book, he introduces the daily ledger practice, which is a way for you to write down your targets and affirmations and track progress towards your goal. If you want to be in the 1%, be sure to tune in to this episode and pre-order J.D.’s book, which is linked below.

Highlights:
-J.D. Frost has a new book coming out called The Life Ledger, and talks about how he has prevailed in difficult times
-The way you spend your time each day dictates how you spend your money. Additionally, your intentionality with your time is a lead indicator of your wealth
-Every 30 minutes, take account of what you are doing
-Ask yourself: is what you are doing an asset or liability
-Time management alone won’t lead you to success. Writing down your goals every day and reviewing them will help you get to where you want to be
-To stay in the coveted “1%,” you have to always keep in mind that the tasks you do every single day contribute to your situation. Daily effort is required to reach your goal
-The daily ledger: write down your targets, which are short term daily confirmations that you can achieve your goal
-We spend a lot of time thinking that we’re busy rather than being productive or focused
-Define what wealth is for you, and determine what you really want
-Intentionality and focus are crucial to create the wealth that you desire
-Find somebody that has done it before you, and use them as a benchmark of where your focus should be. Seek mentors in people that want the same things as you and are working towards similar goals
-Affirmations are also part of the daily ledger
-If it’s not working yet, keep doing it

Useful Links:
Financial Survival Network
The Life Ledger: How to Build a System to Reach Your Goals
J.D. Frost

Direct download: JD_Frost_07.Nov.22.mp3
Category:general -- posted at: 8:00am EST



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