Rise and Thrive: Conversations For Greatness with John Merkus

61:Back Yourself: Transformative Coaching & Unleashing Your Inner Power with Karina Murphy

Welcome to another powerful episode of Rise and Thrive Conversations for Greatness. Today, I have the absolute pleasure of reintroducing Karina Murphy, the amazing high-performance coach and founder of Next Level Results Accelerator. Karina is back on the show, and her insights are more impactful than ever before. As someone who has empowered countless individuals over her 18-year career, Karina is the real deal when it comes to coaching, growth, and achieving your dreams.
In this first part of the episode, Karina and I dive deep into the drama triangle—a game-changing concept that will transform the way you view conflict and the roles we unconsciously play when we're stuck in the middle of it. Whether you're the rescuer, the persecutor, or the victim, Karina breaks down these roles and explains why they can hold you back from living your best life. Through her own personal journey of balancing coaching, homeschooling her daughter Savannah, and navigating life's ups and downs, Karina offers valuable insights on how to recognize and shift these patterns.
You’ll hear about:
The power of coaching and how it can create rapid transformations in your life.
Karina’s own story of working with her daughter and how she’s practicing what she teaches—meeting people where they're at.
The concept of the drama triangle—why we unconsciously step into roles that limit our power and how to break free from them.
The value of listening—both as a coach and in your own relationships.
And of course, the importance of backing yourself in every decision you make.
This episode is packed with practical tools that will help you reframe the way you think, communicate, and show up for yourself. Karina is living proof that coaching works, and having someone by your side to keep you on track can make all the difference.
If you’re ready to unlock your inner power and take your growth to the next level, you won’t want to miss this episode. It’s the perfect way to gain clarity and motivation for the year ahead. Karina’s warmth and wisdom shine through every word, and I promise, this conversation will leave you thinking long after you’ve finished listening.
Be sure to tune in to the next episode where we continue our conversation with Karina, complete the drama triangle, and introduce her exclusive 5-day challenge that will help you kickstart your year with purpose and confidence.
About Karina MurphyWith over 18 years of experience in corporate Australia, Karina has helped countless individuals and professionals transform their lives through tailored coaching that focuses on self-awareness, emotional intelligence, and unlocking their highest potential. Her Next Level Results Accelerator program has empowered people to break free from limiting patterns and achieve the life they’ve always wanted. Karina’s insights have been instrumental in both my personal growth and the way I approach my own coaching.
Connect with Karina:Website: Karina Murphy Coaching
Stay tuned for part 2 of this episode where we dive even deeper into how you can make empowered choices, free yourself from the drama triangle, and take the first step toward a transformative year.
Want to take control of your mornings and fuel your mindset for success? Download John’s Mindset Meditation App now and start your journey today!
📲 Explore Fluid Reality Mindset App: www.johnmerkus.com
🔗 Follow us on social media and share your favourite moments. We’d love to hear how you're implementing these tools in your life!
https://www.Instagram.com/jmerkus
https://www.facebook.com/groups/288565440476587/
https://twitter.com/johnmerkus
Other bits:
https://www.johnmerkus.com
Merko Motivation Spotify playlist: https://open.spotify.com/playlist/1zOOEieBv2g1cZxIe7uFRV?si=7618a9b7596341cd
Legal Stuff
By accessing this Podcast, I acknowledge that the entire contents are the property of John Merkus, or used by John Merkus with permission, and are protected under U.S. and international copyright and trademark laws. Except as otherwise provided herein, users of this Podcast may save and use information contained in the Podcast only for personal or other non-commercial, educational purposes. No other use, including, without limitation, reproduction, retransmission or editing, of this Podcast may be made without the prior written permission of the John Merkus, which may be requested by contacting john@johnmerkus.com.
This podcast is for educational purposes only. The host claims no responsibility to any person or entity for any liability, loss, or damage caused or alleged to be caused directly or indirectly as a result of the use, application, or interpretation of the information presented herein.

60:No Excuses, Just Results, Leadership and Creating Lasting Impact

In this episode of Rise and Thrive Conversations for Greatness, we continue our inspiring conversation with Michael McLean, exploring his no-nonsense approach to success, discipline, and living with purpose. Michael’s insights are full of actionable advice, and if you’re looking for a shift in mindset or a way to get more out of your business and life, this episode is for you!
In Part 1, Michael shared his journey from coaching hockey to becoming a successful entrepreneur and business coach. He spoke about how surrounding himself with high-performance people, living with a mission, and committing to daily rituals have been key to his success. His philosophy on taking full responsibility for everything in his life has truly transformed both his personal and professional life.
In this episode, part 2, Michael goes even further, unpacking his approach to creating a life you don’t need to escape from and the importance of discipline in building a legacy. We discuss how structuring your day for ultimate success—by focusing on what really matters—can help small business owners avoid burnout.
You’ll hear Michael’s perspective on being a truth-teller in business, the transformative power of generosity, and why clear communication and leadership are essential for success. This episode is packed with powerful insights that can shift your mindset and elevate your life and business to new heights.
If you’re ready to take control of your frequency and become a high performer, this episode will give you all the tools you need. You don’t want to miss it!
 
In This Episode You Will Learn:
How to structure your day to win the morning, conquer the chaos of the afternoon, and build a lasting legacy in the evening.
The importance of being a truth-teller and how clear communication can foster high-performance teams.
How focusing on generosity and service can transform both your personal and business life.
Michael’s approach to maintaining a high-frequency mindset and why it’s essential for success.
Why entrepreneurship should be about building your business around your life—and not the other way around.
Key Takeaways:
Win the Morning: Start each day with purpose and intention, creating momentum to carry you through the day.
Conquer the Chaos: Structure your afternoon for the less demanding tasks and manage them when you’re not at your peak.
Legacy Building: Family time and meaningful relationships are at the heart of true success. Building your legacy starts with your actions today.
Be the Source of What You Seek: Want more kindness, wealth, or success? It starts with you—give it, and it will come back to you in abundance.
Key Takeaways:
Want to take control of your mornings and fuel your mindset for success? Download John’s Mindset Meditation App now and start your journey today!
📲 Explore Fluid Reality Mindset App: www.johnmerkus.com
🔗 Follow us on social media and share your favourite moments. We’d love to hear how you're implementing these tools in your life!
https://www.Instagram.com/jmerkus
https://www.facebook.com/groups/288565440476587/
https://twitter.com/johnmerkus
Other bits:
https://www.johnmerkus.com
Merko Motivation Spotify playlist: https://open.spotify.com/playlist/1zOOEieBv2g1cZxIe7uFRV?si=7618a9b7596341cd
Legal Stuff
By accessing this Podcast, I acknowledge that the entire contents are the property of John Merkus, or used by John Merkus with permission, and are protected under U.S. and international copyright and trademark laws. Except as otherwise provided herein, users of this Podcast may save and use information contained in the Podcast only for personal or other non-commercial, educational purposes. No other use, including, without limitation, reproduction, retransmission or editing, of this Podcast may be made without the prior written permission of the John Merkus, which may be requested by contacting john@johnmerkus.com.
This podcast is for educational purposes only. The host claims no responsibility to any person or entity for any liability, loss, or damage caused or alleged to be caused directly or indirectly as a result of the use, application, or interpretation of the information presented herein.

59:Unstoppable Success: Building Your Mission, Winning Your Morning, and Living with Purpose

Welcome to another exciting episode of Rise and Thrive Conversations for Greatness! Your host, John Merkus – The Positive Change Guy – brings you another powerful conversation to help you elevate your life and business. With over 20 years of experience in leadership, change management, and personal development, John is on a mission to help individuals and organisations embrace change, build resilience, and thrive. Whether as an inspiring keynote speaker, dynamic MC, or trusted advisor, John continues to ignite positive transformation in everyone he works with.
In this episode, John is joined by the unstoppable Michael McLean, a true powerhouse in business, entrepreneurship, and coaching. Michael shares his journey from coaching pro hockey teams to becoming a multi-millionaire business owner and transformational leader.
Together, John and Michael dive into the crucial mindset for success – the victor mentality. Michael offers his wisdom on the importance of taking full responsibility for your life, the power of surrounding yourself with high-performance people, and how to live with purpose to achieve unshakable success.
You’ll hear:
The secret to achieving greatness by surrounding yourself with high-performance people.
Why taking 100% responsibility for your wins and losses is the key to being a victor.
How daily rituals keep Michael productive and fulfilled, no matter the challenges.
Why people-pleasing will hold you back and how to take charge of your day with intention.
The incredible story of how Michael’s conversation with his father shifted the course of his life.
The importance of building a mission that drives you – and how that mission can lead to success.
Michael’s no-nonsense approach and practical strategies for success will ignite your motivation and help you achieve more, both personally and professionally.
And don’t forget, before we jump into today’s episode, check out John’s Mindset Meditation App, designed to help you win the morning and fuel your mindset for success throughout the day. With the Fluid Reality VIP Access feature, you’ll get exclusive tools to take your growth to the next level!
Stay tuned for part 2 of this episode where we continue the conversation on Michael’s powerful mindset, the importance of discipline, and how to build a life you don’t need an escape from.
Want to take control of your mornings and fuel your mindset for success? Download John’s Mindset Meditation App now and start your journey today!
📲 Explore Fluid Reality Mindset App: www.johnmerkus.com
🔗 Follow us on social media and share your favourite moments. We’d love to hear how you're implementing these tools in your life!
https://www.Instagram.com/jmerkus
https://www.facebook.com/groups/288565440476587/
https://twitter.com/johnmerkus
Other bits:
https://www.johnmerkus.com
Merko Motivation Spotify playlist: https://open.spotify.com/playlist/1zOOEieBv2g1cZxIe7uFRV?si=7618a9b7596341cd
Legal Stuff
By accessing this Podcast, I acknowledge that the entire contents are the property of John Merkus, or used by John Merkus with permission, and are protected under U.S. and international copyright and trademark laws. Except as otherwise provided herein, users of this Podcast may save and use information contained in the Podcast only for personal or other non-commercial, educational purposes. No other use, including, without limitation, reproduction, retransmission or editing, of this Podcast may be made without the prior written permission of the John Merkus, which may be requested by contacting john@johnmerkus.com.
This podcast is for educational purposes only. The host claims no responsibility to any person or entity for any liability, loss, or damage caused or alleged to be caused directly or indirectly as a result of the use, application, or interpretation of the information presented herein.

58:The Secret to Building Momentum in 2025

This week, we’re exploring a transformative yet simple concept: the power of small wins. These tiny victories might seem insignificant on their own, but when stacked together, they create unstoppable momentum that can completely transform your mindset, habits, and progress.
💡 In This Episode, You’ll Learn:
What small wins are and why they’re essential for building a thriving life.
The science behind small wins, including how dopamine and the “Progress Principle” drive motivation.
A heartwarming story of how small wins helped someone overcome overwhelm and achieve big results.
Practical strategies to create small wins every day:
Breaking big goals into manageable steps.
Focusing on progress over perfection.
Keeping a “win journal” to track your success.
Celebrating your wins to keep momentum going.
Why small wins are resilience boosters, helping you stay on track even during tough times.
🎯 Your Challenge:Identify 1-3 small wins you can achieve today!
Declutter one drawer.
Send a message of appreciation.
Take a 5-minute reflection break.
Share your wins with me using the hashtag #RiseAndThriveSmallWins or leave a comment. Let’s celebrate your progress together!
🎁 Bonus Resource:Want ideas to jumpstart your journey? Get your Small Wins Checklist: Simple Steps to Build Momentum by emailing me at john@johnmerkus.com.
🌈 Key Quote:"Small wins may seem minor, but they’re the foundation of greatness. Every step you take brings you closer to your goals."
📲 Explore Fluid Reality Mindset App: www.johnmerkus.com
🔗 Follow us on social media and share your favourite moments. We’d love to hear how you're implementing these tools in your life!
https://www.Instagram.com/jmerkus
https://www.facebook.com/groups/288565440476587/
https://twitter.com/johnmerkus
Other bits:
https://www.johnmerkus.com
Merko Motivation Spotify playlist: https://open.spotify.com/playlist/1zOOEieBv2g1cZxIe7uFRV?si=7618a9b7596341cd
Legal Stuff
By accessing this Podcast, I acknowledge that the entire contents are the property of John Merkus, or used by John Merkus with permission, and are protected under U.S. and international copyright and trademark laws. Except as otherwise provided herein, users of this Podcast may save and use information contained in the Podcast only for personal or other non-commercial, educational purposes. No other use, including, without limitation, reproduction, retransmission or editing, of this Podcast may be made without the prior written permission of the John Merkus, which may be requested by contacting john@johnmerkus.com.
This podcast is for educational purposes only. The host claims no responsibility to any person or entity for any liability, loss, or damage caused or alleged to be caused directly or indirectly as a result of the use, application, or interpretation of the information presented herein.

57:Five Spiritual Principles to Unlock Your Best Self in 2025

In this inspiring episode, John Merkus takes you on a journey through five spiritual principles to help you step into your best self in 2025. Building on the transformative actions from last week's episode, this is your guide to a more joyful, intentional, and abundant year. If you’re ready to rise, thrive, and embrace greatness, this episode is for you!
Here’s what you’ll discover:
Practicing Gratitude – Unlock the power of gratitude to shift your mindset, fuel resilience, and attract abundance. Learn simple ways to incorporate gratitude into your daily routine.
Aligning with the Divine Flow – Let go of resistance and trust in life’s sacred rhythm to find clarity and ease. Align with the flow of the universe for effortless growth.
Creating Joy – Discover why joy is a necessity, not a luxury. Explore ways to bring more laughter, light, and happiness into your everyday life.
Reflecting Regularly – Gain clarity and direction with the power of self-reflection. Learn how weekly reflection can help you align your actions with your values and goals.
Inspiring Others – Be a beacon of positivity and lead by example. Explore how lifting others can create a ripple effect of greatness for everyone around you.
💡 Key Quote:"When you embody your best self, you become a beacon for others. Your actions speak louder than words, inspiring those around you to rise to their greatness."
🎧 Why Listen?
Feel uplifted and energised to take on 2025.
Get practical tips and actionable insights to build a life filled with purpose, joy, and connection.
Share these principles with someone you care about and thrive together!
🌟 Resources Mentioned:
Fluid Reality Mindset Meditation App – Your tool for aligning with the divine flow.
Marcus Aurelius’ Meditations – A timeless classic for personal growth and wisdom.
🔥 Ready to make 2025 your best year yet?Tune in now and share this episode with someone who’s ready to thrive. Let’s make this the year of transformation, resilience, and greatness!
💬 Join the Conversation:What principle will you focus on first? Connect with John and let him know!
🌈 Keep Thriving“You’re a beautiful human. Go out there and be great.”
📲 Explore Fluid Reality Mindset App: www.johnmerkus.com
🔗 Follow us on social media and share your favourite moments. We’d love to hear how you're implementing these tools in your life!
https://www.Instagram.com/jmerkus
https://www.facebook.com/groups/288565440476587/
https://twitter.com/johnmerkus
Other bits:
https://www.johnmerkus.com
Merko Motivation Spotify playlist: https://open.spotify.com/playlist/1zOOEieBv2g1cZxIe7uFRV?si=7618a9b7596341cd
Legal Stuff
By accessing this Podcast, I acknowledge that the entire contents are the property of John Merkus, or used by John Merkus with permission, and are protected under U.S. and international copyright and trademark laws. Except as otherwise provided herein, users of this Podcast may save and use information contained in the Podcast only for personal or other non-commercial, educational purposes. No other use, including, without limitation, reproduction, retransmission or editing, of this Podcast may be made without the prior written permission of the John Merkus, which may be requested by contacting john@johnmerkus.com.
This podcast is for educational purposes only. The host claims no responsibility to any person or entity for any liability, loss, or damage caused or alleged to be caused directly or indirectly as a result of the use, application, or interpretation of the information presented herein.

56:Unlocking Your Best Self: Five Transformative Actions for 2025

Welcome to the final episode of 2024! As the year draws to a close, John Merkus, your host of Rise and Thrive Conversations for Greatness, shares five transformative actions to unlock your best self in 2025. This inspiring and uplifting episode is packed with practical wisdom, a dash of humour, and the perfect energy to carry you into the new year with purpose and momentum.
Discover how to show up every day, invest in growth, nurture meaningful relationships, embrace fear as a compass for growth, and celebrate progress—even the smallest wins. John breaks down each of these actions with relatable stories, actionable tips, and his signature passion for personal development.
Whether you're tuning in on New Year’s Eve or catching up later, this episode will give you the tools to rise and thrive in 2025. Plus, John shares exciting updates about his Fluid Reality Mindset Meditation App, including meditations for goal setting, stress relief, and cultivating a millionaire mindset!
Key Takeaways from the Episode:
Your Best Self Shows Up Every Day
Discipline over motivation is the key. Showing up for your family, career, and dreams sends a powerful message: I am worth the effort.
Your Best Self Invests in Growth
Growth doesn’t happen by chance—it’s a choice. Take courses, hire coaches, and invest in learning to unlock your potential.
Your Best Self Puts People First
Relationships are the foundation of a meaningful life. Check in with loved ones, be kind, and cherish the joy of connection.
Your Best Self Embraces Fear
Fear is a signal for growth. Face it with courage and take small steps toward the challenges that will lead to your biggest breakthroughs.
Your Best Self Celebrates Progress
Progress, not perfection, is the goal. Honour your wins, no matter how small, and let gratitude fuel your momentum.
Exclusive Offer:John’s Fluid Reality Mindset Meditation App is available at just $4/month—less than a cup of coffee! Email him at john@johnmerkus.com to claim your discount and start 2025 with guided meditations designed to enhance your mindset and unlock your best self.
Listen Now:Don’t miss this transformative episode to set yourself up for success in 2025. Subscribe and leave a 5-star review on Spotify or Apple Podcasts to help spread the message and inspire others.
Connect with John:
Email: john@johnmerkus.com
Meditation App: Fluid Reality Mindset Meditation
Follow on Spotify or Subscribe on Apple Podcasts
Let’s rise and thrive together in 2025!
What are the five things your best self would do or be in 2025? Write them down, post them where you can see them daily, and start living them today.
Stay awesome, and remember—Rise and Thrive in 2025!
🔗 Follow us on social media and share your favourite moments. We’d love to hear how you're implementing these tools in your life!
https://www.Instagram.com/jmerkus
https://www.facebook.com/groups/288565440476587/
https://twitter.com/johnmerkus
Other bits:
https://www.johnmerkus.com
Merko Motivation Spotify playlist: https://open.spotify.com/playlist/1zOOEieBv2g1cZxIe7uFRV?si=7618a9b7596341cd
Legal Stuff
By accessing this Podcast, I acknowledge that the entire contents are the property of John Merkus, or used by John Merkus with permission, and are protected under U.S. and international copyright and trademark laws. Except as otherwise provided herein, users of this Podcast may save and use information contained in the Podcast only for personal or other non-commercial, educational purposes. No other use, including, without limitation, reproduction, retransmission or editing, of this Podcast may be made without the prior written permission of the John Merkus, which may be requested by contacting john@johnmerkus.com.
This podcast is for educational purposes only. The host claims no responsibility to any person or entity for any liability, loss, or damage caused or alleged to be caused directly or indirectly as a result of the use, application, or interpretation of the information presented herein.

55:The Man Behind the Mic: John Merkus’ Secrets to Success

In this festive season special of Rise and Thrive: Conversations for Greatness, Aaron Holesgrove steps in as host to flip the script on the podfather himself, John Merkus. This engaging episode dives deep into John’s personal story, from his transformative mindset shifts to his approach to resilience and empowerment.
Here’s what you’ll discover in this episode:🎙️ John’s journey to greatness – Hear how a pivotal moment in his 20s reshaped his mindset and life path.👩‍💻 The inspiration behind Fluid Reality – Learn about John’s meditation app, its unique features, and how it helps users unlock positive change.❤️ The powerhouse partnership with Renee Merkus – A behind-the-scenes look at the dynamic relationship that fuels both personal and professional growth.🎶 The role of music in motivation – Discover the songs that inspire John and why they’re part of the Merko Motivation Playlist.💡 The power of resilience – John shares actionable strategies to reframe challenges and embrace opportunities.
This heartfelt conversation blends humour, practical advice, and deep insights into navigating change and creating impact in your life. Whether you’re a long-time listener or new to the show, this episode is packed with inspiration to rise and thrive.
Tune in now to hear the full episode and walk away with actionable wisdom to start your new year stronger than ever. 🌟
📲 Explore Fluid Reality Mindset App: www.johnmerkus.com
🔗 Follow us on social media and share your favourite moments. We’d love to hear how you're implementing these tools in your life!
https://www.Instagram.com/jmerkus
https://www.facebook.com/groups/288565440476587/
https://twitter.com/johnmerkus
Other bits:
https://www.johnmerkus.com
Merko Motivation Spotify playlist: https://open.spotify.com/playlist/1zOOEieBv2g1cZxIe7uFRV?si=7618a9b7596341cd
Legal Stuff
By accessing this Podcast, I acknowledge that the entire contents are the property of John Merkus, or used by John Merkus with permission, and are protected under U.S. and international copyright and trademark laws. Except as otherwise provided herein, users of this Podcast may save and use information contained in the Podcast only for personal or other non-commercial, educational purposes. No other use, including, without limitation, reproduction, retransmission or editing, of this Podcast may be made without the prior written permission of the John Merkus, which may be requested by contacting john@johnmerkus.com.
This podcast is for educational purposes only. The host claims no responsibility to any person or entity for any liability, loss, or damage caused or alleged to be caused directly or indirectly as a result of the use, application, or interpretation of the information presented herein.

54:From Rock Star to Leader: John Merkus on Embracing Change and Inspiring Greatness

In this week’s special festive episode of Rise and Thrive: Conversations for Greatness, the tables are turned as guest host Aaron Holesgrove interviews the podcast's very own host, John Merkus. Known as "The Positive Change Guy," John opens up about his incredible journey, sharing the moments, lessons, and philosophies that have shaped his life and career.
From being an enterprise leader, keynote speaker, and change management specialist to a loving family man and creator of the Fluid Reality Meditation Series, John inspires us all to embrace change and live life with purpose.
Here’s what you can expect from this heartwarming and inspiring episode:
What You'll Learn in This Episode:
🎸 The Story Behind "Johnny Rockstar": Discover how John’s diverse career path—from banking to IT to podcasting—helped him evolve into a leader focused on positive transformation.
🌟 The Power of Mindset: Learn the mindset shifts and personal development practices that have driven John’s success, including lessons from his father and transformative moments from his youth.
🧠 Overcoming Self-Doubt: Hear John’s take on navigating imposter syndrome and reframing it as a journey to becoming your best self.
🤝 Keys to Positive Change in Organizations: Explore how strong leadership and a clear vision are essential for driving meaningful change at work and beyond.
🎙️ Podcasting and Personal Growth: John reflects on how hosting Rise and Thrive has shaped his life and allowed him to connect with incredible people across the globe.
💡 Life Lessons from Guests and Family: From heartfelt wisdom shared by his daughter Matisse to insights from inspiring guests like Mindy Lyons and Emily Perkins, John shares the gold that has enriched his journey.
Memorable Quotes:
💬 “Everything happens for a reason, and it serves you. You either win or you learn.”💬 “Don’t let the term ‘imposter syndrome’ hold you back—think of it as the journey to becoming your best self.”💬 “It’s not time to worry until it’s time to worry. And right now, it’s not the time to worry.”
Why You Should Listen:
If you’ve ever wondered what drives the host of Rise and Thrive: Conversations for Greatness, this episode offers an inspiring peek into the philosophies, stories, and lessons that fuel John Merkus’s passion for empowerment. Whether you’re looking to embrace change, redefine your goals, or simply feel uplifted, this episode is packed with wisdom and heart.
🎧 Tune in now on your favorite podcast platform and get ready to rise, thrive, and embrace greatness!
💥 Don’t miss part two of this special interview, where we’ll dive deeper into John’s journey of positivity and personal transformation! Be sure to subscribe and share this episode with someone who could use a little inspiration.
 
🔗 Follow us on social media and share your favourite moments. We’d love to hear how you're implementing these tools in your life!
https://www.Instagram.com/jmerkus
https://www.facebook.com/groups/288565440476587/
https://twitter.com/johnmerkus
Other bits:
https://www.johnmerkus.com
Merko Motivation Spotify playlist: https://open.spotify.com/playlist/1zOOEieBv2g1cZxIe7uFRV?si=7618a9b7596341cd
Legal Stuff
By accessing this Podcast, I acknowledge that the entire contents are the property of John Merkus, or used by John Merkus with permission, and are protected under U.S. and international copyright and trademark laws. Except as otherwise provided herein, users of this Podcast may save and use information contained in the Podcast only for personal or other non-commercial, educational purposes. No other use, including, without limitation, reproduction, retransmission or editing, of this Podcast may be made without the prior written permission of the John Merkus, which may be requested by contacting john@johnmerkus.com.
This podcast is for educational purposes only. The host claims no responsibility to any person or entity for any liability, loss, or damage caused or alleged to be caused directly or indirectly as a result of the use, application, or interpretation of the information presented herein.