Biography 

 David Garofalo has served as Chief Executive Officer, President and Chairman of the board of directors of the Gold Royalty Corp. David has worked in various leadership capacities in the natural resources sector over the last 30 years.  He served as President and Chief Executive Officer of Goldcorp Inc. until its sale to Newmont Corporation in April 2019. 

 Prior to joining Goldcorp, he served as President, Chief Executive Officer and director of Hudbay Minerals Inc. from 2010 to 2015, where he presided over that company's emergence as a leading metals producer. Previous to this, he held various senior executive positions with mining companies, including Senior Vice President, Finance and Chief Financial Officer of Agnico-Eagle Limited from 1998 to 2010 and as treasurer and other various finance roles with Inmet Mining Corporation from 1990 to 1998.  

He was named Mining Person of the Year by The Northern Miner in 2012 and Canada's CFO of the Year by Financial Executives International Canada in 2009. A graduate of the University of Toronto (B.Comm.), he is a Chartered Accountant and a Certified Director of the Institute of Corporate Directors. He also serves on the board of directors of the Vancouver Board of Trade and the Vancouver Symphony Orchestra.  

To learn more about David Garofalo and Gold Royalty Corp -

  Skype ID: David-Garofalo_1 

 Website: www.goldroyalty.com  

Social Media: @GoldRoyaltyCorp

Sharing my experience and looking back to how this year 2021 was a crazy year for me. Excited for 2022 and making improvements and changes to the FINfluential program.

Here is a quick episode about why we all got two jobs. Have a listen an shope this resonates and makes sense to you

Here in this episode I share my thoughts about going to places and areas around the world where you can financially grow your wealth as well as seek places where you can actually afford a great quality of life compared to your big brand western nations. If you are living in the United States , you know very well the cost of living is increasing high , especially in real estate . The same property you rent is easily affordable in places like Malaysia. It's about time we have a conversion about the wealth and income mobility opportunities outside the west and go to amazing places like Kuala Lumpur, Dubai, Panama and other locales, where folks like ourselves can be treated best.

Here in this episode, I connected with Ike to learn and have him share his origin story into the events industry as well as his journey into starting his venture and scaling his business towards success and overcoming adversities that is on his path.   He was very gracious to take the time to showcase to me how I can personally start my own cryptocurrency and blockchain event as a virtual and hybrid event using the power of the SOCIAL 27 event platform.   

His tips and strategies are relevant to many of us who are participating and competing in the marketplace to benefit our end users - the attendees and most importantly OUR COMMUNITIES.   Before we get started, Let us introduce to YOU the man of the hour IKE -     

Ike is the CEO of Social27, a premier virtual event program that has been helping businesses connect throughout the pandemic and beyond. Covid completely changed the way that businesses operate across the world, but it did help us realize how many fields of work can be done remotely. Emerging technologies like Social27 have provided a multitude of new tools to help with customer retention, scouting, and marketing with the ultimate goal of growing your business.   If you are here to build communities and accelerate sales with greater reach, accessibility, flexibility and security through impactful "Virtual & Hybrid Events" worldwide. 

Click on the Link below to learn more -   https://www.social27.com/

Last couple of weeks , I have been attending various crypto and blockchain conferences and events here in the future Blockchain Capita of the world, i.e Dubai. This week me and my beloved Lisa Maria have been participating in the Laughing Retirement 5 day program called Future Proof Your Retirement by Chip Stites, who I had the opportunity to have him as a guest for the episode for the FINfluential. It is a unique experience for me to see the difference in both the world's of stocks and crypto. Here in this episode I share my thoughts about the current economic situation as well as my personal thoughts I believe will resonate with you

"Future Proof Your Retirement"    "Keys to a Laughing Retirement" "Financial Planning For The Rest Of Your Life" 

Recently a unique situation in my life has brought up the topic of retirement and my financial future. I would say it was by fate that my path crossed with Chip Stites from the Laughing Retirement. I thought i have an understanding of retirement,but this episode with him blew my mind and I had to LEARN,RELEARN & UNLEARN everything i know about retirement and financial planning.

So much for getting degrees and certifications in business,finance and other collegiate pursuits.

Anyways ........................................................I have a Special Event Announcement from Chip Stites, but before that , I want you to learn a bit of info about Chip and The Laughing Retirement.

Here in this fun,interesting and thought provoking episode, I got to have a fireside conversation with Chip Stites from Laughing Retirement, where is a renowned expert and speaker in retirement planning and financial services.

He is an Entrepreneur, Retirement Expert, Speaker and a Writer. Currently lives in Reiti, Italy.

In this amazing episode, Chip shares his lifetime of experience & knowledge about finances,  economics, market cycles and generating income in his live, free online  events and paid courses, and on his website: www.thelaughingretirement.com.

FB: The Laughing Retirement Community. Do Join his group and do mention that you found his group through the FINfluential.

More than just finances, Chip can talk about building “a laughing  retirement” because money is not the only thing you need to consider in  retirement. He talks about both financial topics and living well in  retirement as a process. Join in the conversation with Chip and treat yourself to lessons that will help you achieve a laughing retirement.

Special Event Announcement - Click the Button Now to Join Us for This Free Live Financial Master Class Beginning October 25, 2021 and going for four days through October 28, 2021 at 12 PM ET.

 https://thelaughingretirement.lpages.co/october-2021-event-future-proof-your-retirement-markose-copy-copy/

During This Free Live Financial Master Class, You'll Learn How:

• Get a Raise Every Year While Never Withdrawing Your Original Portfolio. 
• There Are SIX WORDS You Need to Know to Effectively Talk with Your Financial Advisor. 
• Investing is as easy as PIE®? 
• THREE SECRETS to Retire with Less Effort and Time, but with More Money. 
• Chip will Answer Your Questions Live.

Myself and my beloved Lisa Maria are excited and looking forward to join the Financial Masterclass to FUTUREPROOF OUR RETIREMENT.

https://thelaughingretirement.lpages.co/october-2021-event-future-proof-your-retirement-markose-copy-copy/

This Free Live Financial Master Class Beginning October 25, 2021 and going for four days through October 28, 2021 at 12 PM ET.  Financial Master Class will be roughly an hour each day.

FirstRoot has built the world’s first platform for Participatory Budgeting in Schools.

FirstRoot  is a Benefit Corp that supports schools using Participatory Budgeting  (PB for short), a democratic process in which students are given real  money to collaboratively invest in their school.

Endorsed by the United Nations, Participatory Budgeting is used by  thousands of schools around the world to teach financial literacy,  civics, and design thinking.

Luke Hohmann is the CEO of FirstRoot Inc., He is on a crusade to to create the next generation of impact investors. FirstRoot has built the world’s first solution for PB in schools! Our platform  and integrated curriculum makes implementing PB easy and cost-effective.

Luke Hohmann's amazing goal is to get $1K into 1M schools globally and watch what happens when youth control $1B in capital.

FirstRoot has a unique go-to-market strategy that supports all stakeholders as youth use  participatory budgeting to invest real money in their schools. Youth  learn the 5 C's of modern education: creativity, critical thinking,  communication, collaboration, and civics as they experience true agency  and stewardship over their futures, learning through their own  experiences how money really works.

Here in the FINfluential, we are excited to have a chat with Luke Hohmann to deep dive into his story on how FirstRoot came into being and their future plans to help raise the next generation of investors. The idea of putting money into the hands of the students through the unique and well recognized Participatory Budgeting program is quite novel and exciting. 

Personally, I was jealous that i didn't have this fantastic program to help me understand money better, but I'm grateful to learn and excited for the future of FirstRoot and their ambitious goal to make a global impact in building financial literacy and civics in ALL SCHOOLS,CLUBS,DISTRICTS and FAMILIES.

To learn more, check out - https://firstroot.co/

and to connect on LinkedIn with Luke Hohmann, Feel free to reach out to him -

https://www.linkedin.com/in/lukehohmann/

Financial Education and Financial Empowerment is a topic and growing trend whose time is about to come. Financial education is about to be a major topic on various levels, whether it be in education, social, economics etc. The future of financial education, empowerment, literacy and excellence is getting brighter ,especially in these interesting and noisy times.   If we are going to dive into the future of financial education, We need to look into the past and here in the FINfluental, there is one person that comes to my mind and has been an experienced leader and educator in the realm of financial education and financial literacy is none other than Sam X Renick aka Sammy Rabbit    Sam X Renick is the driving force behind Sammy Rabbit and the Dream Big Club. Sam is dedicated to empowering kids’ dreams and improving children’s financial literacy through the development of great habits and strategic life skills. Sam has read and sung off key with over a quarter million children around the world, encouraging them to get in the habits of saving money and reading! He writes on the subject, is quoted frequently in the media and has won numerous honors throughout his 15+ year career for his innovative strategies including the New Jersey Coalition for Financial Education’s Muriel F. Siebert Lifetime Achievement Award!   

 Sam possesses a wealth of '1ST HAND' experience that includes creating and delivering financial education programs to over a quarter million kids around the world.   Whether it is educating kids on money or bringing visibility to your brand, Sam will produce results for you. His demonstrated record tells the story.  

SEE SAM'S WORK & RECORD 

► SamXRenick.com 

► SammyRabbit.com 

► References available upon request  

Sam X Renick excels in financial education. He is a master teacher renowned for his work in financial literacy. He is also an expert at networking & lead generator. He thrives on connecting great people & causes. Advance your mission today, email Sam ►►► contact@sammyrabbit.com ◄◄◄   

If you want to learn more about Sammy Rabbit and their excellent medley of financial educational books,activities and programs. He is available to connect on LinkedIn - https://www.linkedin.com/in/samxrenick/

Here in this episode , We get to have a fireside chat with Sheila Mmboga Afande from the Financial Wellness Center, where we have a delightful and relaxed conversation about financial education, networking skills and our raw experiences that shaped and changed her trajectory in her life on the path of evangelizing financial education, financial inclusion, entrepreneurship and some exciting projects Sheila is working on that will increase your financial confidence and raise your human capital. The next few months are going to be a whirlwind , but a fun experience to showcase the best projects, workshops and opportunities that the Financial Wellness Center has to offer to the global marketplace.

The topics we covered were as follows:

• The importance of financial education for the masses
• Her origin story into the financial education space
• Golden nuggets of wisdom in personal branding in the financial and entrepreneurship space
• Future expansion of the Financial Wellness Center
• The Rise of the African countries economies
• The Rise & Rise of Human Capital in Africa

Overall, it was a fun and entertaining chat which we could talk for hours on end, but our duty calls us to keep spreading the message of financial education, literacy and inclusion for the marketplace.

I would highly recommend folks to check out the Financial Wellness Center on YouTube as well as on LinkedIn as Sheila does an amazing job in connecting with influential and highly respected experts in the field of financial education. Her channel keeps getting better and raising the bar in introducing her audience to new industries and new possibilities to increase your financial confidence, raising your human capital and bringing the message of economic and financial freedom to the whole world.

YouTube - https://www.youtube.com/channel/UClSUa8-egVaRqaZHMrVuOkA

Connect with Sheila on LinkedIn - https://www.linkedin.com/in/sheila-mmboga-a-95886271/

Assuming you havnt been loving under the rock over the past few months, you've probably heard the term "inflation" tossed around. When I hear the word inflation, I get a negative reaction and I think it's about time people need to look around with a focused perspective, especially with the things all around us. It's glaringly obvious that inflation has been at work all along behind the scenes.

Here in this episode, I dive into the financial perils that Millennials are getting themselves into thanks to the money printing by the Federal reserve and the government. This issue of money printing is a worldwide issue that has consequences in the future wealth of the millennials. Millennials would need a wake up call and realize that INFLATION is the hidden tax. There are two points that i address that is making Millennials poorer as the days keep passing by. 

The two things that are making Millennials all over the world get poorer than the previous generations are as follows:- 1) Society & 2) Spending .

So come on in and check out this episode to learn more - 

Check out the new crypto podcast released on all podcast platforms as well as on YouTube -  The Cryptocosm

The attraction of owning a business you can work anywhere, anytime and location free is incredibly amazing and powerful. Thank God , it is getting easier to do ever before. Pretty soon it's going to be the norm all over the world. Here in this episode , I dive Into interesting business Trends we all need to watch out here in 2021. We are going to see these trends making it easier to attain income mobility much easier and embracing the digital nomad lifestyle isn't necessarily one of those trends. Let's dive into these trends we will be covering below - 1) The Glamor of the digital nomad lifestyle 2) Collaboration mind set over Silo mindset 3) Labor laws getting tougher 4) Hiring Rockstar talent than one dollar an hour talent 5) Evolving E-commerce trends 6) Brick and Mortar Integration

Energy is one of the leading issues in the upcoming U.S. Presidential Election. Supporters of the Green New Deal are shoving this idea to the top of political headlines and are what today’s guest calls “Champagne Socialists”—those who push their ideologies unto others but aren’t willing to get their hands dirty.   We all want a better world for future generations than we have today. But to have an electrical world powered by wind and solar, you need rare-earths, silver, copper, cobalt… you need many different and expensive materials in vast quantities. From the wise word of Marin Katusa -  “There's some seriously big money to be made in this trend. And there's going to be a lot of mistakes. There's going to be a lot of scams. There's going to be a lot of wasted government money, just like you mentioned, Solyndra and other deals from Obama's green dream. But just like I proved it before, there's going to be incredible assets here that there's a way to play it.” In this episode, I dive into the concept of Cosmic Accounting and the invisible acceleration in the development of green clean energy. How these two concepts can help us navigate and find new opportunities to make profits, create generational wealth as well as solve the economical and ecological problems we have in our God's green earth. To learn more about the Cosmic Accounting and foresee the future of Clean /Green Energy, Check out the Link below for your educational viewing pleasure - https://www.youtube.com/watch?v=YKbpFpInpBk

FINfluential was founded to revolutionize the way people think about money and to make financial literacy and financial education fun and inspiring. We all need to learn and most importantly unlearn some of the myths in personal finance.We need to rethink rich, wealth and even know the difference between money and currency.

“Your  True Wealth is your Time and Freedom. Money is just a tool in trading  your Time. It’s a container to store your Economic Energy until you are  ready to deploy it.”

The above quote is one of my favorite quotes that inspires me to pursue my passions and guide my decisions in the right direction to pursue what is really important and matters, than follow the majority.

Below are some of the worst financial decisions you can make that can hamper your success and strengthen your financial stability. 

• Having No Budget 
• Sacrifice Your Life/Health 
• Buying a Car You Can’t Afford 
• Not Investing Anything 
• Having No Savings 
• Becoming Fake Rich 
• Unprepared for Emergencies 
• Not Valuing Your Time 
• Living the YOLO Lifestyle -  Spending like there is no tomorrow & Gambling

To learn about cryptos and blockchain, Check out the Cryptocosm on Apple Podcast,Spotify and other major podcasting platforms

Companies Do Not Care About Staff Loyalty (Anymore)  How many people do you know that have been with their current employer for more than 10 years?  Well according to the US Bureau of Labor Statistics it’s actually 29% of people, which sounds suspiciously high until you consider that a vast majority of this group are made up of workers on the verge of retirement, which is important to remember for later.   Amongst all workers in the US the median was just over 4 years.  In fact multiple studies have suggested that full time workers that stick with their employers for more than two years on average get paid FIFTY PERCENT LESS. This is an unbelievably large gap, ESPECIALLY when you consider that the average of the loyal working group will be drastically inflated by senior executives and the c suite who tend to have more tenure. In plain English, for regular Joes and Janes, this 50% figure is likely understated.    So why aren’t companies stopping this?   Surely having to pay tens of thousands of dollars to advertise a position, interview candidates, onboard new staff, train them and wait for them to get up to speed with their new role is not sustainable if it has to be done over and over again every 2 years… right?...   Well you would think so, but there are a few reasons why companies don’t care about employee loyalty… anymore…  Dive into the episode to learn more -- NEWSFLASH The Cryptocosm is launched on August 2nd 2021 -  Your home for Cryptocurrencies and Blockchain based solutions that will revolutionize the way we do life, business and create inter-generational wealth.  https://redcircle.com/shows/cryptocosm -  CLICK HERE TO LEARN MORE

Money is Cheap, There is plenty of cash deposits and capital from the corporations and banks that are sitting in bank accounts at zero percent interest. These banks and corporations don't have any ideas or running out of ideas on how to invest their cash and capital.  We are living in an amazing time where money is incredibly plenty, we need to find ways to use this money to allot into new ideas, projects and entrepreneurial business ideas that can solve problems in the marketplace. There are areas of technologies like the Blockchain,FinTech,Agriculture, Energy etc that can bring solutions for the human race, which would require the capital to make this happen and we ourselves can drive these solutions to the masses and bring forth prosperity and wealth in the future. Lets dive into the episode to learn more. Meanwhile check out the FINfluential blogs as well as our beginner's buying guide to cryptocurrencies from the Cryptocosm - https://cryptocosm.net/beginners-buying-guide/

Why 4,000,000 People Quit Their Jobs

As companies roll out their back to office policies, employers are experiencing a mass exodus of employees only one year after we've seen the highest unemployment rates since the great depression.

We are seeing many potential employees asking for work and employers asking for employees, but the two groups are like ships passing in the night. The Great Resignation of 2021 is a rumored event that may take place this fall as millions of workers decide whether to return to the office or take a chance to pursue other options.

2021 is going to be an interesting year for employers and employees to rethink on the matter of working relationships and the future of work. Employers shouldn't be surprised by a mass resignation that is about to take place in the United States and the rest of the world.

The mainstream narrative about cryptocurrencies has always been negative, most of these stories and myths perpetuated by the mainstream media is always based on substandard research. If you are interested to learn about cryptocurrencies and blockchain technologies, its always important to do your own research. Dont simply take my word or other folks out there, In this episode, Marcus Monero dives in to cover the worst crytpo myths that continues to be brought up.  Here are some helpful links that will shed more facts to dispel the shadow of these crypto myths -  ► Chainalysis Report on Whales: https://blog.chainalysis.com/reports/bitcoin-market-data-exchanges-trading ► Coinshares Report: https://coinshares.com/research/bitcoin-mining-network-june-2019 ► BitMEX Report Telegram Post: https://t.me/cbinsider/823 ► Square Renewable Energy: https://squareup.com/ca/en/press/bcei-white-paper ►  Chainalysis Criminal Report:  https://blog.chainalysis.com/reports/2021-crypto-crime-report-intro-ransomware-scams-darknet-markets

Here are in this episode, Marcus Monero shares details on the new developments on the FINfluential as well as a new video podcast coming up soon. He also covers some interesting aspects of the 4th turning and brings up interesting points about the lifecycle's of humanity. 

Let's dive in deep to learn more from this amazing book, written in 1997 by William Strauss and Neil Howe called "The 4th Turning".

According to the book there are 4 turnings in the lifecycle of every human.  

1. The High

2. The Awakening

3. The Unraveling

4. The Crisis

Each of us are born during one of these "Turnings" and, assuming we  live a full life, will experience each of them. When you are born has a  lot to do with how you see the world.

Most of my readers belong to either Generation X (born 1961 - 1981)  or the Millennial generation (1981 - 2004).  We are children of the 3rd  turning. The time of unraveling.

In the 3rd turning, institutions are weak and distrusted.  Individualism is strong and flourishing. It was the Gordon Gekko era of "Greed is good."

A time when Maverick took to the skies as the rebellious young  fighter pilot, broke all the rules, defied authority, and somehow came  out on top.

Strauss-Howe refer to those of us in the X generation as "Nomads" and those born to the Millennial Generation as "Heroes"

Click on the play button to listen to more on the above conversation and enjoy.

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Learn more about the FINfluential, click here and if you would like to learn about myself, click here at www.markose.me.

If you want to learn about buying your first Bitcoin or any other Alt-coins, You need to come to The Cryptocosm for the Step by Step process in buying your first bitcoin safely and securely.