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    Business

    Cashflow Ninja

    In Cashflow Ninja, host M.C. Laubscher, renowned as a leading expert in alternative investment strategies and alternative asset investing, interviews the best global minds in business and investing that share alternative wealth strategies and alternative asset investing niches. The mission of the Cashflow Ninja is to empower people to create, protect & multiply their wealth in the new economy and information age. The rules of money have changed and we share the new rules and how anyone can create, protect and multiply their wealth in our constantly changing environment.

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    Copyright: © 2019 Cashflow Ninja LLC

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    Latest Episodes:
    031: Jeff Schneider: The Royalty Exchange, How to Create Income Streams from Royalties Jul 25, 2016
    Show notes

    Jeff Schneider is currently the Chief Financial Officer at Royalty Exchange and is on a mission to share the value of owning cash flow assets in any investment portfolio. He has an MBA from Purdue University with a focus on finance. There he taught undergraduate and graduate level courses in accounting and computer science. While working in finance for a Fortune 100 company, Jeff also received his CPA from the state of Minnesota. After a few years in the corporate world, Jeff left to pursue an entrepreneurial career and has since been a part of four multi-million dollar start ups. His interest in royalties came after searching for cash assets that aren’t correlated with the stock market. He now draws from his teaching experience to share the most important points of cash flow investing. Self_Journal Bestselfco., Make Success a Habit! Use the Self Journal to organize and align tactical day to day tasks with larger life goals. In this episode you will learn:

    • The exciting niche the Royalty Exchange is combining musicians, artists with investors
    • Things happening in the industry that is about to change how artists get paid for royalties on intellectual property that would want people investing in music royalties
    • Why artists would sell the rights to their intellectual property
    • How an artist determines how much his or her royalties are worth
    • How people that want to get involved and create income streams through royalties start to get involved.
    • The securitization options the Royalty Exchange offers
    • The long-term vision for the Royalty Exchange
    Recommended Books: No One Ever Told Us That: Money and Life Lessons for Young Adults by John D. Spooner Influence: The Psychology of Persuasion, by Robert B. Cialdini Fooled by Randomness: The Hidden Role of Chance in Life and in the Markets by Nassim Nicholas Taleb The New One Minute Manager by Ken Blanchard Interview Links: The Royalty Exchange Cashflow_audiobook_new Show Sponsors: Audible, download any audio book for free when you try audible for 30 days. Leadpages, is offering a free marketing automation course that includes:12 video modules with step-by-step strategies to leverage what’s working in your business. Thrive15.com, get a free month of access at www.thrive15.com/cashflow Show Transcript Have some feedback you’d like to share? Leave a note in the comment section below and please share it using the social media buttons you see at the bottom of the post! If you enjoyed this episode of our podcast, please leave an honest review for The Cashflow Ninja Podcast on iTunes. Ratings and reviews are extremely helpful and greatly appreciated! They do matter in the rankings of the show, and I read each and every one of them. John Lee Dumas of EOfire.com made a video explaining how to leave a review you can watch here. You can also access step by step instructions how to subscribe, rate and review on Itunes from Apple here. Thank you for supporting our podcast and sharing it with friends and family! Live a Life of passion and purpose on your terms, M.C Laubscher

    030: M.C. Laubscher: Wisdom Wednesday: Money Masters Wealth Blueprint Jul 20, 2016
    Show notes

    In today's episode I discuss the Money Masters Wealth Blueprint I have put together after studying and researching what the Wealthiest families and individuals on the planet do to create, build, grow and protect their wealth and hold on to it for generations. I call these wealthy elite, the Money Masters. Tony Robbins have stated,“Success leaves clues, there is a blueprint”, and he was right. I have identified six pillars of the Money Master Wealth Blueprint, Mindset, Vision and Roadmap, Network, Wealth Capture System, Wealth Strategies and Giving. We will look at each of these pillars individually. Self_Journal Bestselfco., Make Success a Habit! Use the Self Journal to organize and align tactical day to day tasks with larger life goals. Quote:

    “There is power in understanding the journey of others to help create your own.” – Kobe Bryant
    Recommended Book: Think and Grow Rich by Napoleon Hill - Free Download The Richest Man in Babylon by George S. Clason - Free Download The Science of Getting Rich by Wallace D. Wattles - Free Download Atlas Shrugged by Ayn Rand Rich Dad Poor Dad: What The Rich Teach Their Kids About Money That the Poor and Middle Class Do Not! by Robert T. Kiyosaki The Miracle Morning: The Not-So-Obvious Secret Guaranteed to Transform Your Life (Before 8AM) by Hal Elrod The 10X Rule: The Only Difference Between Success and Failure by Grant Cardone How to Win Friends & Influence People by Dale Carnegie - Text FRIENDS to 44222 for Free Copy Becoming Your Own Banker: Unlock the Infinite Banking Concept by R. Nelson Nash Family Fortunes: How to Build Family Wealth and Hold on to It for 100 Years by Bill Bonner and Will Bonner Cashflow_audiobook_new Show Sponsors: Audible, download any audio book for free when you try audible for 30 days. Leadpages, is offering a free marketing automation course that includes:12 video modules with step-by-step strategies to leverage what’s working in your business. Thrive15.com, get a free month of access at www.thrive15.com/cashflow Show Transcript Have some feedback you’d like to share? Leave a note in the comment section below and please shareit using the social media buttons you see at the bottom of the post! If you enjoyed this episode of our podcast, please leave an honest review for The Cashflow Ninja Podcast on iTunes. Ratings and reviews are extremelyhelpful and greatly appreciated! They do matter in the rankings of the show, and I read each and every one of them. John Lee Dumas of EOfire.com made a video explaining how to leave a review you can watch here. You can also access step by step instructions how to subscribe, rate and review on Itunes from Apple here. Thank you for supporting our podcast and sharing it with friends and family! Live a Life of passion and purpose on your terms, M.C Laubscher

    029: Garrett Sutton: Covering Your Assets, Business Entity and Asset Protection Strategies Jul 18, 2016
    Show notes

    Garrett Sutton, Esq. is a nationally acclaimed corporate attorney and asset protection expert, who has written a number of books guiding entrepreneurs and investors. Garrett’s best sellers include: Start Your Own Corporation, Writing Winning Business Plan, The ABC’s of Getting Out of Debt, Run Your Own Corporation, Buying & Selling a Business and Loopholes of Real Estate in Robert Kiyosaki’s Rich Dad Advisor series. Garrett is also the author of How to Use Limited Liability Companies & Limited Partnerships and the co-author of Finance Your Own Business and most recently released, Toxic Client. Garrett enjoys helping entrepreneurs to succeed. He has over thirty years of experience in assisting individuals and businesses to determine their appropriate corporate structure, limit their liability, protect their assets and achieve their goals. Garrett is the founder of Corporate Direct and Sutton Law Center, which since 1988 has provided affordable asset protection and corporate formation and maintenance services for investors around the world. Self_Journal Bestselfco., Make Success a Habit! Use the Self Journal to organize and align tactical day to day tasks with larger life goals. In this episode you will learn:

    • How important it is to have asset protection in place when you invest in Real Estate and Businesses.
    • The lines of defense investors and business owners can set up to protect their investments and their personal assets
    • Situations where investors would put every property in a separate LLC and thoughts on the Series LLC
    • Three important considerations when you set up your business and investments
    • The 4 good business entity structures and the protection they offer
    • Some of the most favorable states in the United States to incorporate in
    • What asset protection strategies are available to foreign investors and business owners in the United States
    • How you can hold a brokerage account as a legal entity for paper assets, commodity brokerage and trading accounts, and oil and gas investments.
    • The latest developments and changes in the asset protection world.
    Recommended Books: Start Your Own Corporation: Why the Rich Own Their Own Companies and Everyone Else Works for Them by Garrett Sutton Run Your Own Corporation: How to Legally Operate and Properly Maintain Your Company Into the Future by Garrett Sutton Loopholes of Real Estate by Garrett Sutton The ABCs of Getting Out of Debt: Turn Bad Debt into Good Debt and Bad Credit into Good Credit by Garrett Sutton Writing Winning Business Plans: How to Prepare a Business Plan that Investors Will Want to Read and Invest In by Garrett Sutton Buying and Selling a Business: How You Can Win in the Business Quadrant by Garrett Sutton Toxic Client: Knowing and Avoiding Problem Customers by Garrett Sutton Finance Your Own Business: Get on the Financing Fast Track by Garrett Sutton and Gerri Detweiler How to Use Limited Liability Companies & Limited Partnerships by Garrett Sutton and Cindie Geddes Interview Links: www.CorporateDirect.com www.sutlaw.com www.successdna.com www.mybestadvisors.com www.richdad.com Cashflow_audiobook_new Show Sponsors: Audible, download any audio book for free when you try audible for 30 days. Leadpages, is offering a free marketing automation course that includes:12 video modules with step-by-step strategies to leverage what’s working in your business. Thrive15.com, get a free month of access at www.thrive15.com/cashflow Show Transcript Have some feedback you’d like to share? Leave a note in the comment section below and please share it using the social media buttons you see at the bottom of the post! If you enjoyed this episode of our podcast, please leave an honest review for The Cashflow Ninja Podcast on iTunes. Ratings and reviews are extremely helpful and greatly appreciated! They do matter in the rankings of the show, and I read each and every one of them. John Lee Dumas of EOfire.com made a video explaining how to leave a review you can watch here. You can also access step by step instructions how to subscribe, rate and review on Itunes from Apple here. Thank you for supporting our podcast and sharing it with friends and family! Live a Life of passion and purpose on your terms, M.C Laubscher

    028: M.C. Laubscher: Wisdom Wednesday! Is Your House An Asset or A Liability? Jul 13, 2016
    Show notes

    Most people "save" the majority of their wealth qualified retirement plans and their homes. These are two Sacred Cows in society and financial planning.In today's episode I critically examine the question, "Is your house an asset or a liability?". I also discuss the concepts of home ownership and "saving" in general and analyze where we are currently in the housing cycle. Please let me know your thoughts on Twitter at @mclaubscher. Self_Journal Bestselfco., Make Success a Habit! Use the Self Journal to organize and align tactical day to day tasks with larger life goals. Quote:

    “My poor dad always said, "My house is an asset and it's our largest investment." My rich dad said, "Your house is not an asset, it's a liability. And if it's your largest investment you're in trouble." - Robert Kiyosaki
    Recommended Book: Rich Dad Poor Dad: What The Rich Teach Their Kids About Money That the Poor and Middle Class Do Not! by Robert T. Kiyosaki Recommended Resources: Rich Dad Scam #6: Your House is an Asset

    Your HOUSE is a Liability

    Wall Street Journal article, “The Housing Illusion” Why Your Home Is Not the Investment You Think It Is by David Crook It’s Financial Suicide to Own a House Why I Am Never Going to Own a Home Again Five Things You NEED to Know Before Buying a House Ramit Sethi Buying a House Resources Cashflow_audiobook_new Show Sponsors: Audible, download any audio book for free when you try audible for 30 days. Leadpages, is offering a free marketing automation course that includes:12 video modules with step-by-step strategies to leverage what’s working in your business. Thrive15.com, get a free month of access at www.thrive15.com/cashflow Show Transcript Have some feedback you’d like to share? Leave a note in the comment section below and please shareit using the social media buttons you see at the bottom of the post! If you enjoyed this episode of our podcast, please leave an honest review for The Cashflow Ninja Podcast on iTunes. Ratings and reviews are extremelyhelpful and greatly appreciated! They do matter in the rankings of the show, and I read each and every one of them. John Lee Dumas of EOfire.com made a video explaining how to leave a review you can watch here. You can also access step by step instructions how to subscribe, rate and review on Itunes from Apple here. Thank you for supporting our podcast and sharing it with friends and family! Live a Life of passion and purpose on your terms, M.C Laubscher

    027: Jeff Berwick: How to Survive and Prosper During the Coming Chaos, Bitcoin, and a Trip to Venezuela Jul 11, 2016
    Show notes

    I am honored to interview in today's episode, Jeff Berwick. Jeff is an anarcho-capitalist, libertarian and freedom fighter against mankind’s two biggest enemies, the State and the Central Banks. Jeff is the founder of The Dollar Vigilante, CEO of TDV Media & Services and host of the popular video podcast, Anarchast. Jeff is a prominent speaker at many of the world’s freedom, investment and gold conferences including his own, Anarchapulco, as well as regularly in the media including CNBC, Bloomberg and Fox Business. Self_Journal Bestselfco., Make Success a Habit! Use the Self Journal to organize and align tactical day to day tasks with larger life goals. In this episode you will learn:

    • What the Shemitah and Shemitah Jubilee year is
    • What Jeff experienced on his recent trip to Venezuela that is a collapsed state and currently experiencing hyperinflation
    • What Crypto currencies are such as Bitcoin and why this will change the world in the next 5-10 years
    • How there are already many crypto currency startups such as Watch My Bit
    • What it means to be an anarchist and an anarcho-capitalist, the peaceful parenting philosophy and more!
    Quote:
    “People think what's in the US today is capitalism. It's not even close to capitalism. Capitalism doesn't have a central bank, capitalism doesn't have taxes, it doesn't have regulations; capitalism is just voluntary transactions. What they have in the US today I call crapitalism. But it's sad that so many people are confused and they think, 'Oh that's free markets in the US', when it's one of the least free market countries on earth.” - Jeff Berwick
    Interview Links: The Dollar Vigilante The video SUPER SHEMITAH: Elite’s Jubilee Year Plan to Crash World Economy by October 2016 Survive Shemitah free white paper Anarchast Anarchapulco Recommended Books: The Mystery of the Shemitah: The 3,000-Year-Old Mystery That Holds the Secret of America's Future, the World's Future, and Your Future! by Jonathan Cahn The Harbinger: The Ancient Mystery that Holds the Secret of America's Future by Jonathan Cahn Cashflow_audiobook_new Show Sponsors: Audible, download any audio book for free when you try audible for 30 days. Leadpages, is offering a free marketing automation course that includes:12 video modules with step-by-step strategies to leverage what’s working in your business. Thrive15.com, get a free month of access at www.thrive15.com/cashflow Show Transcript Have some feedback you’d like to share? Leave a note in the comment section below and please share it using the social media buttons you see at the bottom of the post! If you enjoyed this episode of our podcast, please leave an honest review for The Cashflow Ninja Podcast on iTunes. Ratings and reviews are extremely helpful and greatly appreciated! They do matter in the rankings of the show, and I read each and every one of them. John Lee Dumas of EOfire.com made a video explaining how to leave a review you can watch here. You can also access step by step instructions how to subscribe, rate and review on Itunes from Apple here. Thank you for supporting our podcast and sharing it with friends and family! Live a Life of passion and purpose on your terms, M.C Laubscher

    Access to Advanced Gold and Silver Investing Webinar, 3 Steps to Cash-flow Gold and Silver

    Name: Email:

    026: M.C. Laubscher: Wisdom Wednesday! The Case Against Qualified Retirement Plans, 401K's and IRA's Jul 06, 2016
    Show notes

    Today I am going to give you my honest opinion about a financial sacred cow, qualified retirement plans (401K, 403b, 457b and I.R.A’s). I have a very contrarian view that will be very different from what you have heard from your financial advisor, financial media, employer, family and friends. My goal is not to persuade you or have you agree with me. My objective is firstly to give you my honest opinion and secondly to get you to see a completely different perspective that will hopefully be the catalyst for you to do your own research, due diligence and fact checking to form your own independent opinion. Self_Journal Bestselfco., Make Success a Habit! Use the Self Journal to organize and align tactical day to day tasks with larger life goals. Quote:

    “Do you really want to invest in a system where you put up 100 percent of the capital, you, the mutual fund shareholder, you take 100 percent of the risk, and you get 30 percent of the return?” - John Bogle, founder of The Vanguard Group
    Recommended Book: 401(k)aos by Andy Tanner Killing Sacred Cows: Overcoming the Financial Myths That Are Destroying Your Prosperity by Garrett B. Gunderson Rich Dad's Prophecy: Why the Biggest Stock Market Crash in History Is Still Coming...And How You Can Prepare Yourself and Profit from It! by Robert T. Kiyosaki Recommended Resources: John Bogle: The “Train Wreck” Awaiting American Retirement 13 Reasons Why Your 401(k) Is Your Riskiest Investment 22 Reasons Why the Retirement Planning System is Broken

    Last Week Tonight with John Oliver: Retirement Plans (HBO)

    Cashflow_audiobook_new Show Sponsors: Audible, download any audio book for free when you try audible for 30 days. Leadpages, is offering a free marketing automation course that includes:12 video modules with step-by-step strategies to leverage what’s working in your business. Thrive15.com, get a free month of access at www.thrive15.com/cashflow Show Transcript Have some feedback you’d like to share? Leave a note in the comment section below and please shareit using the social media buttons you see at the bottom of the post! If you enjoyed this episode of our podcast, please leave an honest review for The Cashflow Ninja Podcast on iTunes. Ratings and reviews are extremelyhelpful and greatly appreciated! They do matter in the rankings of the show, and I read each and every one of them. John Lee Dumas of EOfire.com made a video explaining how to leave a review you can watch here. You can also access step by step instructions how to subscribe, rate and review on Itunes from Apple here. Thank you for supporting our podcast and sharing it with friends and family! Live a Life of passion and purpose on your terms, M.C Laubscher

    025: G. Edward Griffin: The Creature from Jekyll Island, A Second Look at the Federal Reserve and Central Banking Jul 04, 2016
    Show notes

    G. Edward Griffin is a writer and documentary film producer with many successful titles to his credit. Listed in Who's Who in America, he is well known because of his unique talent for researching difficult topics and presenting them in clear terms that all can understand. He has dealt with such diversified subjects as archaeology and ancient earth history, international banking, internal subversion, terrorism, the history of taxation, U.S. foreign policy, the science and politics of cancer therapy, the Supreme Court, and the United Nations. Some of his better known works include The Discovery of Noah's Ark, Moles in High Places, The Open Gates of Troy, No Place to Hide, World Without Cancer, The Life and Words of Robert Welch, The Capitalist Conspiracy, The Grand Design, The Great Prison Break, and The Fearful Master. His most recent book is entitled The Creature From Jekyll Island: A Second Look At The Federal Reserve.


    024: M.C. Laubscher: Wisdom Wednesday! The Biggest Wealth Destroyers Jun 29, 2016
    Show notes

    In today's episode I discuss the biggest threats and destroyers of your wealth and what you can do to combat them. If you want to build real lasting wealth, this episode is a must listen! We discuss how ignorance, not having a wealth plan, taxes, interest and fees paid to financial and banking institutions, interest and fees paid to other third parties, financing costs (we finance everything we buy whether we buy it with cash or debt), market risk and inflation destroys your wealth and what you can do about it. Self_Journal Bestselfco., Make Success a Habit! Use the Self Journal to organize and align tactical day to day tasks with larger life goals. Cashflow_audiobook_new Show Sponsors: Audible, download any audio book for free when you try audible for 30 days. Leadpages, is offering a free marketing automation course that includes:12 video modules with step-by-step strategies to leverage what’s working in your business. Thrive15.com, get a free month of access at www.thrive15.com/cashflow Show Transcript Have some feedback you’d like to share? Leave a note in the comment section below and please shareit using the social media buttons you see at the bottom of the post! If you enjoyed this episode of our podcast, please leave an honest review for The Cashflow Ninja Podcast on iTunes. Ratings and reviews are extremelyhelpful and greatly appreciated! They do matter in the rankings of the show, and I read each and every one of them. John Lee Dumas of EOfire.com made a video explaining how to leave a review you can watch here. You can also access step by step instructions how to subscribe, rate and review on Itunes from Apple here. Thank you for supporting our podcast and sharing it with friends and family! Live a life of passion and purpose on your terms, M.C Laubscher


    023: Michael Maucelli: How to Create Income Streams from Oil and Gas Jun 27, 2016
    Show notes

    Michael Mauceli is the founder and Chief Executive Officer of Reef Oil and Gas Companies. In his 26+ years as CEO, Mike has led the growth of the organization from a three full-time employee start-up company in 1987 to a much larger oil and gas production and property acquisition company today. Now serving the investment needs of thousands of oil and gas investors across the United States, Mike’s vision and business acumen has made him one of the most influential CEO’s in the oil and gas investor community. With Mike’s leadership and determination, Reef will continue to offer energy investment opportunities that will have the potential to generate successful results.

    Self_Journal

    Bestselfco., Make Success a Habit! Use the Self Journal to organize and align tactical day to day tasks with larger life goals.

    In this episode you will learn:

    • How to invest directly into oil and gas projects
    • The different projects you can invest in, exploratory and cashflow projects
    • The tax advantages of investing directly into oil and gas
    • How to manage risk when drilling for oil and gas
    • How today’s drilling techniques may reduce the risk of “hitting dry holes"
    • Strategies Reef Oil and Gas have in place that reduces the environmental impacts of oil & gas extraction
    • The biggest factors (economical, geopolitical) that influence the oil and gas industry
    • How to get started investing directly in oil and gas projects of Reef Oil and Gas

    Recommended Books:

    The Prize: The Epic Quest for Oil, Money & Power by Daniel Yergin

    Interview Links:

    Reefogc.com

    Cashflow_audiobook_new

    Show Sponsors:

    Audible, download any audio book for free when you try audible for 30 days.

    Leadpages, is offering a free marketing automation course that includes:12 video modules with step-by-step strategies to leverage what’s working in your business.

    Thrive15.com, get a free month of access at www.thrive15.com/cashflow

    Show Transcript

    Have some feedback you’d like to share? Leave a note in the comment section below and please share it using the social media buttons you see at the bottom of the post!

    If you enjoyed this episode of our podcast, please leave an honest review for The Cashflow Ninja Podcast on iTunes.

    Ratings and reviews are extremely helpful and greatly appreciated!

    They do matter in the rankings of the show, and I read each and every one of them.

    John Lee Dumas of EOfire.com made a video explaining how to leave a review you can watch here.

    You can also access step by step instructions how to subscribe, rate and review on Itunes from Apple here.

    Thank you for supporting our podcast and sharing it with friends and family!

    Live a Life of passion and purpose on your terms,

    M.C Laubscher


    022: M.C. Laubscher: Wisdom Wednesday! The Wealth Pyramid Jun 22, 2016
    Show notes

    In today’s episode, I will discuss the Wealth Pyramid. The Wealth Pyramid provides a great example to build a solid foundation for a well-structured wealth plan. This Wealth Pyramid is something that anyone can structure for themselves regardless of income level and net worth. So many people do not build their wealth pyramid with a solid foundation and risk all of their capital because of this. We look at the concepts of saving, investing and much more. Self_Journal Bestselfco., Make Success a Habit! Use the Self Journal to organize and align tactical day to day tasks with larger life goals. Key Take Aways:

    • The bottom of the pyramid and first foundational piece is of the wealth pyramid is your health, relationships, your mindset and your soul purpose and human life value which includes your skill sets and special gifts.
    • The second layer is your conservative layer that includes a dashboard for your financial information, your credit score and strategies to improve your credit score, flexible spending plan, wealth capture strategies to capture your wealth and save 6 months to 2 years of income in liquid savings, protective strategies like life insurance, car insurance, home owners insurance, estate planning, tax planning and emergency preparedness strategies like food, water and other needs as well as cash on hand and precious metals
    • The third layer consist out of moderate strategies that include businesses that you control, conservative real estate investments, conservative paper assets like certain bonds, and more precious metals
    • The fourth and final layer at the top of the pyramid is the growth portion of your plan. If you have the first three layers in order, this layer allows you to swing for the fences in business, real estate, commodities and paper assets. This should be the money that you could afford to lose.
    Quote:
    “Someone is sitting in the shade today because someone planted a tree a long time ago.” - Warren Buffet
    Recommended Book: Financial Independence in the 21st Century by Dwayne Burnell and Suzanne Burnell Recommended Resources: Rich Dad Cashflow Board Game, this game will help you learn how investments effect your personal financial statements and what are assets and what are liabilities! Cashflow_audiobook_new Show Sponsors: Audible, download any audio book for free when you try audible for 30 days. Thrive15.com, get a free month of access at www.thrive15.com/cashflow Show Transcript Enter the Launch Give away contest to win a $500.00 Visa Gift Card! During the first two months of our podcast we are giving away a $500.00 dollar Visa gift card. To enter into the drawing, go to www.cashflowninja.com/Itunes and rate, review and subscribe to our podcast. Have some feedback you’d like to share? Leave a note in the comment section below and please shareit using the social media buttons you see at the bottom of the post! If you enjoyed this episode of our podcast, please leave an honest review for The Cashflow Ninja Podcast on iTunes. Ratings and reviews are extremelyhelpful and greatly appreciated! They do matter in the rankings of the show, and I read each and every one of them. John Lee Dumas of EOfire.com made a video explaining how to leave a review you can watch here. You can also access step by step instructions how to subscribe, rate and review on Itunes from Apple here. Thank you for supporting our podcast and sharing it with friends and family! Live a Life of passion and purpose on your terms, M.C Laubscher

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