Podcast appearances and mentions of alex collins

In this episode of Beer and Money, Ryan Burklo and Alex Collins discuss the valuable lessons learned from their experiences with clients over the years. They explore the importance of maintaining emotional balance, planning for both success and worst-case scenarios, and the significance of taking time for family and personal health. The conversation emphasizes the need for flexibility in financial planning and the evolving nature of personal goals. Check out our website:  beerandmoney.net For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo Takeaways Never get too high or too low in life. Plan for success but also prepare for the worst. Take opportunities to spend time with family. Health should be a priority in financial planning. Understand that goals can change over time. It's important to know what you truly want. Flexibility in finances allows for spontaneous experiences. Emotional intelligence is key in financial advising. Living today while saving for tomorrow is possible. Learning from clients' experiences enriches personal growth. Chapters 00:00 Introduction to the Conversation 01:10 Lessons Learned from Clients 05:33 Planning for Success and Flexibility 09:12 Personal Insights on Health and Values 14:27 Emotional Intelligence in Financial Planning          

On both sides of the Atlantic disabled people are protesting, despite the sometimes tricky logistics.In the UK, a mass lobby event was held on 21 May at Westminster to enable disabled people to 'green card' their MP. That means the MP is informed their constituent is waiting for them in Parliament and they should go and meet them. The hot topic for this event was the £5bn welfare cuts announced in the Spring Statement. But how successful was it? Access All's Alex Collins goes to meet those who have travelled from across the country to be there and Emma Tracey chats with Svetlana Kotova from disabled peoples organisation, Inclusion London. Across the Atlantic, American activists have also been out in force. Last week 26 disabled people were arrested in Congress when they disrupted a debate around Medicaid and who gets government-funded health and social care. Domonique Howell, from US disability advocacy organisation Adapt, was one of those to be arrested and talks about her experience, while veteran protester, Julie Farrar, talks about the importance of direct action.Plus Ellie Simmonds: Should I Have Children? That's the thought-provoking title of the Paralympian come TV presenter's new documentary, which explores the decisions parents make when told their unborn child could be disabled. She chats about how it shaped her feelings around having children as a woman with an impairment that could be passed on, and what she learned by spending time with couples at a specialist foetal medicine unit.Presented by Emma Tracey Producer and reporter: Alex Collins Sound by Dave O'Neill Editors: Damon Rose and Beth Rose

In this episode of Beer and Money, Ryan Burklo and Alex Collins discuss the role of buffered ETFs in financial planning. They explore the mechanics of buffered products, including their potential for equity exposure and downside protection. The conversation delves into how these products can be integrated into financial strategies, particularly for individuals nearing retirement or already retired. The hosts emphasize the importance of understanding the risks and returns associated with buffered ETFs and how they can provide flexibility in investment decisions. Check out our website:  beerandmoney.net For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo Takeaways Buffered ETFs provide equity exposure with downside protection. Understanding caps and downside risks is crucial for investors. Buffered products can be beneficial for those nearing retirement. It's important to diversify investment strategies with buffered ETFs. Buffered ETFs can offer flexibility in retirement income planning. Investors should be aware of the fees associated with buffered products. The structure of buffered ETFs can vary significantly. Market volatility can impact the effectiveness of buffered ETFs. Buffered ETFs are not a one-size-fits-all solution. Financial advisors play a key role in guiding clients on buffered products. Chapters 00:00 Introduction to Buffered ETFs 02:48 Understanding Buffered Products 05:50 Exploring Financial Planning with Buffered ETFs 11:59 Utilizing Buffered ETFs in Retirement 15:01 The Role of Risk and Return in Financial Strategy    

Labour MP for Nottingham East, Nadia Whittome, cannot support the announced benefits changes and speaks to Emma Tracey about the experiences she has had as a disabled person herself. BBC's political correspondent Helen Catt walks us through whether government will face a significant challenge getting their legislation through parliament this summer, with other insights. Then, music from American artist, Gaelynn Lea, who's touring the UK. The discussion includes the folk singer and musician's bespoke way of playing violin, like a cello rather than up on her shoulder.Sound recording and mixing by Dave O'Neill, producers Beth Rose and Alex Collins, the editor was Damon Rose. Spread the word loyal followers.

In this episode, Ryan Burklo and Alex Collins discuss effective retirement planning strategies that ensure individuals are not solely dependent on market performance for their retirement income. They emphasize the importance of liquidity, market risks, and the need for a diversified approach to asset allocation. The conversation highlights various withdrawal strategies and the impact of market volatility on retirement savings, ultimately advocating for a balanced approach that mitigates risks while maximizing financial security. Check out our website:  beerandmoney.net For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo TAKEAWAYS Rate of return should not dictate retirement timing. Market performance becomes salient when it hits you. Understanding liquidity is crucial for retirement planning. Market volatility can significantly impact retirement income. Having a liquid fund can protect against market downturns. Diversifying asset allocation is key to financial security. It's important to have a strategy for withdrawals during retirement. Clients often prefer less risk for more certainty in retirement. Comparative analysis of different retirement scenarios is essential. Effective planning can lead to increased cash flow and reduced taxation. Chapters 00:00 Introduction to Retirement Planning Strategies 02:52 Understanding Market Risks and Retirement Withdrawals 06:08 The Importance of Liquidity in Retirement 09:00 Strategies for Managing Market Volatility 12:03 Comparative Analysis of Retirement Scenarios 14:57 Trade-offs in Risk and Return 18:01 Conclusion and Call to Action

In this episode of Beer and Money, Alex Collins discusses the intricacies of converting traditional IRAs to Roth IRAs, including the types of conversions, strategies for implementation, and the tax implications involved. He emphasizes the importance of consulting with tax advisors and financial planners to navigate these decisions effectively. The conversation also covers the timing of conversions, potential costs, and unintended consequences as individuals approach retirement. Check out our website:  beerandmoney.net For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo Check out your tax rate (the site Alex mentioned): https://data.qz.com/2012/yourtaxrate/ Takeaways Conversions can be from traditional IRA to Roth IRA. Non-deductible contributions can be converted tax-free. Pre-tax conversions will incur tax liabilities. Timing conversions during low-income years is beneficial. Understanding historical income levels aids in planning. Most people remain in the same or higher tax bracket in retirement. Calculating the cost of conversions is crucial. Medicare costs can be affected by conversions. Consulting with professionals is essential for tax strategies. Unintended consequences can arise from poor planning. Chapters 00:00 Introduction to Conversions 01:24 Types of Conversions Explained 03:25 Strategies for Converting to Roth 04:40 When to Consider Conversions 07:12 Understanding Tax Implications 09:29 Calculating Costs of Conversion 11:43 Unintended Consequences Near Retirement  

In this episode of Beer and Money, Alex Collins discusses various strategies for contributing to Roth accounts, including Roth IRAs, Roth 401ks, backdoor Roths, municipal bonds, and permanent life insurance. He emphasizes the importance of consulting with tax professionals and understanding individual circumstances when choosing the best strategy for tax-free growth and withdrawals. Check out our website:  beerandmoney.net For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo Takeaways Roth accounts use after-tax dollars for contributions. Roth IRA contribution limits are $7,000 per person per year. Income limits apply for Roth IRA contributions. Roth 401k options are increasingly common in employer plans. Conversions from traditional to Roth accounts incur taxes. Municipal bonds offer tax-exempt income but vary by state. Permanent life insurance can provide tax-free access to cash value. Consulting a tax advisor is crucial for these strategies. Understanding individual financial situations is key to choosing strategies. A combination of strategies may be the best approach.   Chapters 00:00 Introduction to Roth Strategies 02:25 Exploring Roth IRA Contributions 04:14 Understanding Roth 401k Options 06:54 Utilizing Municipal Bonds for Tax Benefits 08:15 Permanent Life Insurance as a Roth Strategy

In this episode of Beer and Money, Ryan Burklo and Alex Collins discuss the nuances of Roth accounts, focusing on when to contribute to them and the importance of understanding tax brackets. They explore the differences between marginal and effective tax rates, the significance of tax diversification, and strategies for funding Roth accounts. The conversation emphasizes the need for personalized financial planning and the impact of future income on tax strategies. Check out our website:  beerandmoney.net For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo Takeaways Roth accounts can provide tax-free growth and withdrawals. Understanding your tax bracket is crucial for Roth contributions. Marginal tax rates affect how additional income is taxed. Effective tax rates give a clearer picture of overall tax burden. Tax diversification can help manage future tax liabilities. Future income predictions are essential for retirement planning. Consulting with a tax advisor is important for personalized strategies. Roth accounts can be beneficial for unexpected expenses in retirement. Funding Roth accounts requires strategic planning and foresight. Financial planning should consider the entire balance sheet, not just individual accounts. Chapters 00:00 Introduction to Roth Accounts 02:47 Understanding Tax Brackets and Rates 05:47 When to Consider Roth Contributions 08:59 The Importance of Tax Diversification 11:56 Funding Roth Accounts and Future Planning  

Suspended Labour MP, John McDonnell, talks to Access All about the distress he feels over the benefit cuts outlined in March's Spring Statement. Having had the whip removed last summer he hopes to be restored to the party he joined 50 years ago but says he is "praying" his former colleagues rethink the plans and U-turn. The benefit cuts mean there have been a lot of numbers flying about. Finance journo, Felicity Hannah, who presents BBC radio shows, Money Box and Wake Up To Money, breaks it all down for us and outlines what the changes could mean for you and your wallet, and where to go to get personalised help. Plus we hear from actress and deaf advocate Rose Ayling-Ellis and deaf series producer Camilla Arnold about their new BBC documentary, Old Hands, New Tricks, where they aim to teach residents at a retirement home how to use British Sign Language. It's available right now on BBC iPlayer. Presented by Emma Tracey Produced by Alex Collins and Beth Rose Sound recorded and mixed by Dave O'Neill Edited by Damon Rose and Beth Rose

In this episode of Beer and Money, Alex Collins shares his personal journey in the finance industry, discussing his background, the importance of financial planning, and the impact of partnerships in his career. He emphasizes the significance of helping clients achieve their financial goals and the emotional aspects of financial planning, particularly in times of loss. Check out our website:  beerandmoney.net For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo Takeaways Alex Collins has a strong foundation in finance from a young age. He combines his parents' professions to help others with money. Understanding cash flow is crucial in financial planning. Partnerships in finance can enhance client service. Alex's passion lies in helping clients realize their dreams. Financial planning can provide security in times of tragedy. The importance of communication in financial advisory is key. Alex's journey includes overcoming struggles in his career. He values the relationships built with clients over the years. Helping clients enjoy their lifestyle is a priority. Chapters 00:00 Introduction to Alex Collins and His Journey 03:01 The Intersection of Finance and Personal Goals 05:56 Building Partnerships in Financial Advisory 09:05 The Impact of Financial Planning on Lives  

In this episode of Beer and Money, Ryan Burklo and Alex Collins discuss the importance of umbrella policies in personal finance. They explain what an umbrella policy is, how it provides an extra layer of liability insurance beyond standard policies, and why it is crucial for protecting assets and income. The conversation also covers the cost-effectiveness of these policies and how to determine the right amount of coverage needed. The hosts emphasize the importance of consulting with financial and insurance professionals to ensure adequate protection against potential lawsuits. Check out our website:  beerandmoney.net For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo Takeaways Umbrella policies are critical for financial protection. Many clients are unaware of what an umbrella policy is. An umbrella policy provides additional liability coverage. The cost of an umbrella policy is relatively low. One claim can cover the entire cost of the policy. It's essential to have enough coverage to protect your assets. Consult with insurance agents to understand your options. Insurance companies are becoming stricter with coverage limits. Communication between financial advisors and insurance agents is vital. Understanding your risk exposure is key to financial planning. Chapters 00:00 Introduction to Umbrella Policies 02:03 Understanding the Importance of Umbrella Policies 04:05 What is an Umbrella Policy? 07:58 Cost and Value of Umbrella Policies 09:48 How Much Coverage Do You Need? 11:55 Conclusion and Call to Action  

In this episode of Beer and Money, Ryan Burklo and Alex Collins discuss the concept of exchange funds, particularly for individuals with concentrated stock positions. They explore the implications of holding large amounts of stock in a single company, the tax ramifications of diversifying, and various strategies to manage risk and enhance portfolio diversification. The conversation emphasizes the importance of working with financial and tax advisors to create a tailored strategy for managing concentrated stock positions.   Check out our website:  beerandmoney.net For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo   Takeaways Exchange funds are a solution for diversifying concentrated stock positions. Concentrated stock positions can lead to significant financial risk. Tax implications are crucial when considering diversification strategies. Exchange funds require a long-term commitment, often up to seven years. Diversification can be achieved through various strategies, including options. A collared option strategy can protect against downside risk while allowing for some upside. Exchange fund replication maintains liquidity while providing diversification benefits. It's essential to coordinate with financial and tax advisors for effective planning. Investors should consider their overall portfolio strategy, not just individual investments. Creating a financial plan is vital for managing concentrated stock positions. Chapters 00:00 Introduction to Exchange Funds 02:32 Understanding Concentrated Stock Positions 05:39 Defining Exchange Funds 07:53 Strategies for Diversification 13:17 Advanced Strategies for Managing Stock Positions 16:33 Final Thoughts and Recommendations

EP48 features the latest installment of our Shining Stars series, where we sit down with former SMart Center patients – or their parents – and discuss how they overcame Selective Mutism. This episode, we meet former SMart Center patient, Alex Collins.In this episode, Dr. E and Alex discuss Alex's journey with Selective Mutism, what worked during her treatment, advice she has for those still working to overcome SM, and much, much more.--Chapters: (5:28) ALEX'S UNIQUE BUT RELATABLE EXPERIENCE WITH SELECTIVE MUTISM(9:41) STRATEGIES THAT HELPED ALEX THE MOST DURING HER JOURNEY WITH SELECTIVE MUTISM(14:34) ALEX'S LIFE AFTER SELECTIVE MUTISM(18:15) ALEX'S ADVICE TO CHILDREN & PARENTS CURRENTLY WORKING TO OVERCOME SELECTIVE MUTISM(21:45) HOW CHILDREN AND TEENS PROGRESS DURING COMMUNICAMP- Ask Dr. E a question of your own! Learn more about the host, Dr. Elisa Shipon-Blum Explore our SMart Center success stories! Get started at the SMart Center Listen to other Unspoken Words episodes here. For the best clips from every episode, follow the podcast on Instagram & YouTube Share our upcoming Selective Mutism In The School Virtual Conference with your child or teen's school staff. 6.5 CEs/CEUs are available. Learn more about CommuniCamp, our 3+ day intensive group treatment and ALL DAY parent training & support program- For all podcast inquiries, please contact Dakota Hornak at ⁠dhornak@selectivemutismcenter.org⁠ This podcast was produced and promoted by New Edition Consulting (neweditionconsulting.com)

In episode 21 of Twin City Talk, Hosts Suzy Fielders & Burgess Jenkins and Producer Tim Beeman talk with Alex Collins & Carrie DuPre of Graylyn Estate.They share all about this amazing architectural wonder and its incredible history as well as what they love about Winston-Salem!Tune in to listen now on YouTube (video also available), Spotify, Amazon, Audible, iHeartRadio, or your favorite podcast station. You can also listen to the audio below.Be sure to follow us on Instagram and Facebook for updates on the podcast, content teasers, episode clips, and, of course, tons of great content on Winston-Salem.Twin City Talk is produced by Such-N-Such Media and "The Podfather" Tim Beeman. Check them out at https://suchnsuchmedianc.com/The Triad Podcast Network is proudly sponsored by The Ginther Group Real Estate, Dewey's Bakery, and Three Magnolias Financial Advisors.

Niamdh Braid took her local council to a tribunal at the age of 16 (and won!) after they refused to provide her with a BSL interpreter in class. She tells Emma Tracey how Fife Council had argued that she was able to access her education using hearing aids and lip reading. But after an expert witness told the tribunal that Niamdh could only hear 70% of what her teachers were saying, it ruled in her favour. Also on this episode, meet Alex Mitchell, the self-described queer, autistic, disabled comedian who found fame on Britain's Got Talent. Presenter: Emma Tracey Producers: Daniel Gordon, Alex Collins, George Sharpe Recorded and mixed by Dave O'Neill Editors: Beth Rose and Ben Mundy

In this episode of Beer and Money, Ryan Burklo and Alex Collins delve into the complex topic of tariffs, exploring their definition, implications, and effects on businesses and the economy. They discuss the potential benefits and drawbacks of tariffs, including their impact on consumer prices and the risk of trade wars. The conversation emphasizes the importance of understanding market dynamics and preparing for economic volatility, particularly for small businesses and investors. Check out our website:  beerandmoney.net For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo Takeaways A tariff is a tax on imported goods. Tariffs can generate revenue and potentially boost U.S. employment. Increased tariffs may lead to higher consumer prices. Trade wars can arise from tariff implementations. Smaller businesses are likely to be hit harder by tariffs. Economic models are complicated due to numerous variables. Investors should focus on long-term strategies. Maintaining liquidity is essential during volatile times. Market reactions to tariff announcements are immediate. Understanding your balance sheet is crucial for financial planning. Chapters 00:00 Understanding Tariffs: An Introduction 02:00 The Good and Bad of Tariffs 04:50 Impact on Businesses and Trade Wars 09:05 Navigating Economic Volatility and Investment Strategies    

Actor Michael Patrick has just picked up an award for his unique portrayal of Shakespeare's Richard III, which gives the play a fresh twist inspired by his own experience of living with motor neurone disease (MND).Michael is no stranger to MND. His father died from the condition and his sister is also living with it, although drug trials for the siblings have given them more hope for the future.Also on this episode, the charity Mencap says it fears for peoples lives after the NHS dropped annual health checks for people with learning disabilities from its priorities plan.We speak with Mencap CEO, Jon Sparkes, as well as Nigel and Rahima about their experiences of the Health MOTs.And we meet Japan's Nobuyuki Tsujii, a blind pianist who's played at concert venues around the world including the Sydney Opera House.Presented by: Emma Tracey Produced by: Daniel Gordon, Alex Collins and George Sharpe Sound recording and design by: Dave O'Neill Editors: Beth Rose and Ben Mundy

Adults diagnosed with ADHD have shorter life expectancies, according to a groundbreaking new study.University College London (UCL) crunched nine million GP records to find that, on average, women with ADHD die nine years earlier, and men seven years earlier than those without ADHD.Josh Stott, professor of ageing and clinical psychology at UCL, the lead researcher, explains to Access All why this is happening. We also hear from broadcaster Christo Foufas, who has ADHD, and describes how his struggles with binge eating and recreational drugs eventually led him to a diagnosis of ADHD. Teenager Phoebe-Rae Taylor talks about her starring role in the Disney film Out Of My Mind, a coming of age story about a girl with cerebral palsy who has a new communication aid. And we meet Dan Harris, who had the alphabet tattooed on his arm to make it easier for his non-verbal son, Joshie, to talk to him. Presented by Emma Tracey Produced by Alex Collins and Daniel Gordon Sound recorded and mixed by Dave O'NeillEdited by Beth Rose and Ben MundyYou can contact the team on accessall@bbc.co.uk

Facing the California wildfires when you're disabled and marking Holocaust Memorial Day As the California wildfires continue to burn we hear the stories of disabled Los Angeles residents, Carrie and Joci, who had to make decisions around whether to evacuate or not, and if so, how they would do it without plans in place. To mark Holocaust Memorial Day, Dr Helen Atherton talks to Access All about about the Nazi's Aktion T4 programme which killed thousands of disabled people they considered “undesirable”. Dr Atherton discovered 13 of those killed were British-born and has created an exhibition to honour them called Finding Ivy. We also talk to Nancy Jennings, the great niece of one of the victims, Zkenko Hoyas. Plus Katie the Wheeled Piper plays for us on her adapted bagpipes. The 18-year-old had the honour of piping in the haggis for the BBC's Burns Night Extravaganza which is broadcast on 25 January and will be available on BBC iPlayer afterwards. Presented by Emma Tracey Produced by Alex Collins and Daniel Gordon Recorded and Edited by Dave O'Neill Edited by Sara Wadeson and Beth Rose

In this episode of Beer and Money, Ryan Burklo and Alex Collins discuss the often misunderstood concept of recovery rates in investing, particularly after market downturns. They explore the mathematical realities of recovering from losses, the importance of strategic retirement planning, and the need for a balanced approach to investing that includes both market and non-market assets. The conversation aims to debunk common myths about rate of return and emphasizes the significance of cash flow in retirement planning. Check out our website:  beerandmoney.net For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo Takeaways We often underestimate the impact of market losses on retirement planning. To recover from a 22% loss, you need more than a 22% gain. Mathematically, recovering from losses is more complex than it seems. Investors should consider both market and non-market assets for retirement. Cash flow is crucial for retirement, not just rate of return. Planning for retirement requires understanding recovery rates. Market downturns can significantly affect retirement timelines. Diversifying investments can provide more flexibility in retirement. It's essential to control your retirement timing, not just rely on market performance. Understanding financial planning can help mitigate risks associated with market fluctuations. Chapters 00:00 Introduction to Recovery Rates in Investing 02:22 Understanding Market Downturns and Recovery Rates 10:01 Strategies for Retirement Planning Post-Loss 14:56 Debunking Myths About Rate of Return and Cash Flow    

In this episode of Beer and Money, Ryan Burklo, Alex Collins, and estate planning expert Rob Bukacek discuss the intricacies of estate planning. They cover the importance of having a trust, the process of finding the right attorney, and how to prepare for meetings with legal professionals. The conversation emphasizes the need for proper documentation, the significance of choosing beneficiaries wisely, and the necessity of reviewing estate plans regularly. Listeners are encouraged to take proactive steps in their estate planning to ensure their wishes are honored and their loved ones are taken care of. Check out our website:  beerandmoney.net For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo   Takeaways Estate planning is essential for everyone, not just the wealthy. A trust can manage your assets while you're alive and incapacitated. Choosing the right attorney is crucial for effective estate planning. Prepare for your attorney meeting by knowing who will manage your finances. Consider who will inherit your assets and how to protect them. Special needs children require specific planning to maintain benefits. Review and update your estate plan regularly, especially after major life events. Having a financial advisor can help navigate the estate planning process. Communication with your attorney is key to a successful estate plan. Be proactive in your estate planning to avoid complications for your loved ones. Chapters 00:00 Introduction to Estate Planning 02:24 Understanding Trusts and Wills 06:02 The Importance of Estate Planning Documents 11:21 Finding the Right Estate Planning Attorney 16:19 Preparing for Your Attorney Meeting 20:30 Who Gets Your Stuff? Planning for Beneficiaries 24:11 Special Considerations for Children and Heirs 27:29 Reviewing and Updating Your Estate Plan 30:51 The Role of Advisors in Estate Planning    

CP-3627 is a children's music box... The word “ACROBATS” is written in capital letters on the front of the object. Below, a pane of glass protects two painted clowns connected at the hands to a rotating axle.Content Warnings:  Descriptions of a rotting corpse, consumption of putrescence, clown mentionTranscriptPatronsEmmett Baronciani, Dori, Alexis VanOosterhout, PneumaticYeti, Alex Collins, Gabe Lewis, Cami Klabough, GoldenEye, and Mojavesasquatch!Cast & Crew SCP Archives was created by Pacific S. Obadiah & Jon GrilzSCP-3627  was written by Wildman8Script by Kevin WhitlockNarrator -Elissa ParkSCP-3627 - Ben Counter & Daisy McNamaraD-2213 - Kayla TemshivD-4256 - Stephen IndrisanoDr. Vargus - Brandon P. JenkinsArt by Eduardo Valdés-HeviaVideo produced by Dakota MillerTheme Song by Matt Roi BergerSound Designer - Derrick ValenShowrunner - Daisy McNamaraCreative Director - Pacific S. ObadiahExecutive Producers - Tom Owen & Brad MiskaPresented by Bloody FMwww.Bloody-Disgusting.comwww.SCParchives.comPatreon: https://www.patreon.com/scp_podStore: https://store.dftba.com/collections/scp-archivesTikTok: https://www.tiktok.com/@scppodYouTube: https://www.youtube.com/c/scparchivesInstagram: https://www.instagram.com/scp_pod/BlueSky: https://bsky.app/profile/scparchives.bsky.socialFacebook: https://www.facebook.com/scppodDiscord: https://discord.gg/tJEeNUzeZX Presented by Bloody FMwww.Bloody-Disgusting.comwww.SCParchives.comPatreon: https://www.patreon.com/scp_podStore: https://store.dftba.com/collections/scp-archivesTikTok: https://www.tiktok.com/@scppodYouTube: https://www.youtube.com/c/scparchivesInstagram: https://www.instagram.com/scp_pod/Bluesky: https://bsky.app/profile/scparchives.bsky.socialTwitter: https://twitter.com/scp_podFacebook: https://www.facebook.com/scppodDiscord: https://discord.gg/tJEeNUzeZX

In this episode of Beer and Money, Ryan Burklo and Alex Collins discuss the five biggest factors of retirement planning, emphasizing the importance of income streams, asset location, liquidity, tax distribution status, and tax strategy. They challenge the conventional focus on accumulating a large nest egg and encourage listeners to consider how their savings will translate into cash flow during retirement. The conversation highlights the need for a comprehensive approach to retirement planning that goes beyond just investment returns. Check out our website:  beerandmoney.net For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo Takeaways Retirement planning involves more than just accumulating wealth. Income streams are crucial for a successful retirement. Asset location affects tax implications and cash flow. Liquidity is essential for taking advantage of opportunities. Tax strategy can significantly impact retirement income. Understanding tax brackets is vital for effective planning. The timing of income and tax strategies matters. Diversifying assets can reduce reliance on market performance. Planning should focus on cash flow, not just net worth. Consulting with a financial advisor can clarify retirement strategies. Chapters 00:00 Introduction to Retirement Planning Factors 03:08 The Importance of Income Streams in Retirement 06:04 Understanding Asset Location and Liquidity 09:03 Evaluating Tax Distribution Status 11:52 The Role of Tax Strategy in Retirement 25:02 Creating Cash Flow in Retirement  

In October 2012, Prime Minister Julia Gillard made an impromptu speech in the Australian parliament setting out the misogyny she endured for years as a prominent female politician. In 2022, she spoke to Alex Collins about her career defining-speech which has been viewed online by millions of people. Eye-witness accounts brought to life by archive. Witness History is for those fascinated by the past. We take you to the events that have shaped our world through the eyes of the people who were there. For nine minutes every day, we take you back in time and all over the world, to examine wars, coups, scientific discoveries, cultural moments and much more. Recent episodes explore everything from football in Brazil, the history of the ‘Indian Titanic' and the invention of air fryers, to Public Enemy's Fight The Power, subway art and the political crisis in Georgia. We look at the lives of some of the most famous leaders, artists, scientists and personalities in history, including: visionary architect Antoni Gaudi and the design of the Sagrada Familia; Michael Jordan and his bespoke Nike trainers; Princess Diana at the Taj Mahal; and Görel Hanser, manager of legendary Swedish pop band Abba on the influence they've had on the music industry. You can learn all about fascinating and surprising stories, such as the time an Iraqi journalist hurled his shoes at the President of the United States in protest of America's occupation of Iraq; the creation of the Hollywood commercial that changed advertising forever; and the ascent of the first Aboriginal MP.(Photo: Julia Gillard speaking in February 2012. Credit: Morne de Klerk/Getty Images)

In this episode of Bearing Money, Ryan Burklo and Alex Collins discuss the implications of recent election results on investment strategies. They emphasize the importance of maintaining a long-term perspective in investing, regardless of political changes. The conversation highlights the emotional aspects of investing and how fear and greed can lead to poor financial decisions. They also analyze market trends and historical data to illustrate that external factors, rather than political leadership, significantly influence market performance. The episode concludes with a call to action for listeners to reflect on their investment strategies and emotional management. Check out our website:  beerandmoney.net   For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo   Takeaways Investing should be based on data, not emotions. Long-term investing is crucial for financial success. Market reactions can be influenced by external factors. Emotional investing can lead to poor decision-making. Historical data shows market resilience across political changes. Investors should focus on their entire balance sheet. A solid investment strategy is key to financial security. Fear and greed can disrupt rational investing. Understanding market trends helps in making informed decisions. It's important to have a financial plan that withstands market volatility.   Chapters 00:00 Navigating Investment Strategies Post-Election 15:08 Understanding Market Reactions and Emotional Investing            

Comedy actor Paul Whitehouse and his wife, Dr Mine Conkbayir have turned their focus to ADHD. Dr Mine is an early years researcher and author and was diagnosed with ADHD in 2023. She talks about how a traumatic childhood shaped her, needing plenty of noise and lights to function and her thoughts around medication. Her husband, Paul Whitehouse is known for his sketches on The Fast Show and the more sedate Gone Fishing. All about the calm, he's curious about why so many of his comedy colleagues are also being diagnosed with ADHD. The couple say why they don't like the term ADHD, explain what's meant by dopamining and doom piling and also reveal more about their brand new podcast, ‘I'm ADHD! No you're not'. Presented by Emma Tracey Produced by Alex Collins and Emma Tracey Sound Recording and mixing: Dave O'Neill Editors: Sara Wadeson and Beth Rose We love to hear from you. Email accessall@bbc.co.uk to tell us what you think or suggest a story we should be covering. You can also find us on Instagram and X under @bbcaccessall

In this episode of Beer and Money, Ryan Burklo and Alex Collins discuss the myths surrounding tax deferral, particularly the common belief that individuals will be in a lower tax bracket during retirement. They explore the implications of income growth over a career, the importance of tax planning, and strategies for managing tax efficiency in retirement. The conversation emphasizes the need for a balanced approach to retirement planning, considering both taxable and tax-free income sources. Takeaways Tax deferral is often misunderstood; it's not a one-size-fits-all model. Many believe they will be in a lower tax bracket in retirement, but this is not always true. Income growth during working years can lead to higher taxes in retirement. It's crucial to analyze income needs and tax implications before retirement. Managing tax efficiency can significantly impact retirement income. Tax planning should include a mix of taxable and tax-free income sources. The importance of flexibility in retirement income strategies cannot be overstated. Understanding tax brackets is essential for effective retirement planning. Many people overlook the long-term tax implications of their retirement savings strategies. It's vital to measure the difference in taxes due when considering tax deferral versus tax-free options. Chapters 00:00 Introduction to Tax Deferral Myths 02:09 Understanding the Tax Deferred Model 04:03 Analyzing Income Growth and Retirement 08:15 Tax Implications of Retirement Income 10:10 Strategies for Managing Tax Efficiency 12:11 The Importance of Tax Planning 16:26 Conclusion and Future Strategies

The Budget is done and dusted and the US elections about to start. How do disabled people fit in to these big political events? Chancellor Rachel Reeves has delivered her budget. Bethany Dawson from Politico and disability charity Scope's head of policy, James Taylor,talk us through the bits disabled people care about. They discuss the increase in the minimum wage and a rise in what carers can earn before their carer's allowance gets stopped. Will any of the chancellor's announcements help disabled people with their household bills? And how significant is the £1 Billion Reeves has promised for special educational needs and disabilities?The experts break it down for us. As Over 40 million disabled Americans head to the polls to vote for their next president, Trump supporter and disability policy expert Melissa Ortiz and disability activist and Harris supporter Mia Ives Rublee predict what their candidate will do for this community if they win. Our guests also give us an insight into how Trump and Harris treat disabled people when the cameras are off.. Presented by Emma Tracey Produced by Alex Collins and Emma Tracey. Edited by Damon Rose and Sara Wadeson.

In this episode of Beer and Money, hosts Ryan Burklo and Alex Collins welcome Joe Hegener, founder and CIO of Astrazola Management, to discuss the current economic landscape, particularly focusing on falling interest rates and their implications. Joe shares his extensive background in finance, including his experiences at BlackRock and PIMCO, and provides insights into the effects of zero interest rates, inflation dynamics, and the potential risks facing the market. The conversation also delves into portfolio management strategies and the importance of diversification in today's economic environment.   Takeaways Joe Hegener has extensive experience in finance, having worked at BlackRock and PIMCO. The current economic environment is influenced by falling interest rates and inflation dynamics. Zero interest rates have created a false sense of security in the market. The Fed's actions have a lagging effect on the economy. Inflation is driven by both supply-side and demand-side factors. There are significant risks on the horizon that could impact the market. Diversification is crucial for managing portfolio risk. Investors should consider locking in gains and de-risking their portfolios. The potential for re-accelerating inflation exists as cash is deployed into the market. It's important to build a robust portfolio that can withstand various economic scenarios.   Chapters 00:00 Introduction and Guest Introduction 02:52 Joe Hegener's Background and Experience 06:00 Insights on Interest Rates and Economic Environment 08:51 The Impact of Zero Interest Rates 12:01 Current Economic Indicators and Fed's Role 15:03 Inflation Dynamics and Future Projections 18:04 Potential Risks and Market Reactions 21:13 Portfolio Management Strategies 23:56 Final Thoughts and Future Considerations      

In this episode of Beer and Money, Ryan Burklo and Alex Collins discuss the critical topic of estate planning for parents. They explore the various challenges that arise when parents do not have proper estate planning documents in place, including tax implications, health concerns, and potential family conflicts. The hosts emphasize the importance of proactive planning and open communication between parents and their children regarding financial matters and estate planning. They also highlight the role of financial professionals in facilitating these discussions and ensuring that families are prepared for the future.   Takeaways Estate planning is essential for avoiding future complications. Tax implications can create significant burdens for heirs. Health issues can complicate financial responsibilities for children. Open communication about estate planning is crucial. Family conflicts can arise from unclear estate documents. Proactive planning can ease the emotional burden of inheritance. Financial professionals can help mediate estate planning discussions. Understanding the intent behind estate documents is vital. It's important to know where estate documents are located. Conversations about estate planning should happen early.  Chapters 00:00 Introduction to Estate Planning for Parents 01:57 Understanding the Tax Implications of Inheritance 06:09 Health Concerns and Financial Responsibilities 09:13 Avoiding Family Conflicts Over Inheritance 11:48 Initiating Conversations About Estate Planning 15:09 The Role of Financial Professionals in Estate Planning  

Teen drama Heartstopper has gained a huge following on Netflix and the third series, which has just dropped, is no different. This time the love story between Nick and Charlie comes with the added complexity of Charlie's eating disorder. It's a challenge many LGBTQ+ people face. According to the charity Just Like Us, 20% of young LGBTQ+ teenagers experience an eating disorder compared to 7% of non-LGBTQ+ young people. Why are the numbers so different? Writer and broadcaster Matthew Todd, an expert on mental health issues affecting gay men explores the reasons behind this and James Downs, a gay man and researcher, talks about his own experience of an eating disorder in his teens. Plus author Liz Pichon talks about her best-selling Tom Gates series which has sold 16-million copies and is a hit with dyslexic children and reluctant readers. Liz talks frankly about her own experience of dyslexia and slips in a few easter eggs along the way revealing what Tom might get up to next…. Presented by Emma Tracey Produced by Alex Collins and Emma Tracey Sound recorded and mixed by Dave O'Neill Edited by Beth Rose The national eating disorder charity Beat has a helpline run by trained advisors for anybody who's concerned they may need help with the issues discussed in this episode. The number is 0808 801 0677.

In this episode, Ryan Burklo and Alex Collins discuss the importance of planning with cashflow in mind. They highlight the common focus on accumulating assets and net worth, rather than considering the income generated by those assets. They emphasize the need to think with the end in mind and prioritize cashflow, taxes, and asset distribution. The conversation explores the different tax categories (fully taxable, partially taxable, and non-taxable) and the importance of having flexibility in asset allocation. The hosts encourage listeners to consider their future financial goals and reach out for personalized analysis and guidance. Takeaways Many people focus on accumulating assets and net worth, but fail to consider the income generated by those assets. Thinking with the end in mind involves prioritizing cashflow, taxes, and asset distribution. Understanding the different tax categories (fully taxable, partially taxable, and non-taxable) is crucial for effective financial planning. Having flexibility in asset allocation allows for better tax management and financial security. It is important to consider future financial goals and seek personalized analysis and guidance. Chapters 00:00 Introduction: Planning with Cashflow in Mind 03:37 The Importance of Thinking with the End in Mind 08:53 Understanding Tax Categories for Effective Financial Planning 12:53 The Role of Asset Allocation in Tax Management 15:05 Considering Future Financial Goals 16:01 Conclusion: Seeking Personalized Analysis and Guidance

In this episode, Ryan Burklo and Alex Collins discuss the topic of volatility and whether it is a friend or a foe. They explore how volatility can be beneficial during the accumulation phase, as it allows for higher rates of return. However, as retirement approaches and withdrawals are made from the portfolio, volatility can become a risk. They also emphasize the importance of diversification and having a balanced portfolio across different asset classes. The hosts use examples and a sequence of return calculator to illustrate the impact of volatility on investment returns. They conclude by encouraging listeners to view volatility as both a friend and a foe and to set up their portfolios and balance sheets accordingly. Takeaways Volatility can be a friend during the accumulation phase as it allows for higher rates of return. As retirement approaches, volatility can become a risk, especially when withdrawals are made from the portfolio. Diversification across different asset classes is crucial to mitigate the impact of volatility. Viewing volatility as both a friend and a foe can help in setting up a balanced portfolio and balance sheet. Chapters 00:00 Introduction: Is Volatility a Friend or Foe? 03:49 The Benefits of Volatility in the Accumulation Phase 06:30 The Risks of Volatility in Retirement 11:18 The Importance of Diversification 18:24 Viewing Volatility as Both a Friend and a Foe

In this episode, Ryan Burklo and Alex Collins discuss the topic of trusts, specifically revocable and irrevocable trusts. They explain that a trust is like a folder where you can put assets that are owned by the trust rather than by you. They discuss the roles of the grantor, trustee, and beneficiary in a trust and the benefits of a revocable trust, such as probate avoidance and flexibility. They also explain the benefits of an irrevocable trust, including tax advantages and creditor protection. They emphasize the importance of regularly reviewing and updating estate plans. Takeaways A trust is like a folder where assets are owned by the trust rather than by you. Revocable trusts offer probate avoidance and flexibility, while irrevocable trusts provide tax advantages and creditor protection. Regularly review and update your estate plan to ensure it aligns with your current situation and goals. Consult with professionals, such as estate planning attorneys, financial planners, and CPAs, to create and maintain an effective estate plan. Chapters 00:00 Introduction and Overview 02:49 Understanding Trusts: Revocable vs. Irrevocable 08:03 The Benefits of Revocable Trusts 11:35 The Advantages of Irrevocable Trusts 15:13 The Importance of Regularly Reviewing Your Estate Plan

Research published by the UK parliament has revealed that talking therapies provided by the NHS, including counselling, are less effective for people from ethnic minorities compared to people from a white background.   Emma Tracey hears the experience of Ayisha, a British Pakistani woman with mental health difficulties. Emma also talks to clinical psychologist Dr Habah Hassan, who outlines some of the reasons that underly this reduced success rate.   Also on the show, the blind, British model who's walking down the catwalk at Copenhagen Fashion Week. Lastly, we profile track and field star, Hollie Arnold, ahead of the Paris Paralympics.Presenter Emma TraceyProduction by Daniel Gordon, Alex Collins and Claire BatesRecorded by Dafydd EvansMixed by Ben MundyEdited by Ben Mundy and Beth Rose

In this episode, Ryan Burklo and Alex Collins discuss the importance of life insurance and how it can protect your family's financial future. They emphasize the need to consider how much life insurance to get based on the number of years of income you want to replace. The hosts use a hypothetical scenario to demonstrate the impact of life insurance on a couple's financial situation. They show that without adequate life insurance coverage, the surviving spouse may face a significant reduction in their standard of living. The episode concludes with a call to action for listeners to evaluate their own life insurance coverage and consider their family's financial needs. Takeaways Life insurance is essential for protecting your family's financial future Consider how many years of income you want to replace when determining the amount of life insurance coverage you need Without adequate life insurance, the surviving spouse may face a significant reduction in their standard of living Evaluate your life insurance coverage regularly to ensure it aligns with your family's financial needs Chapters 00:00 Introduction and Welcome Back 03:05 What Are You Drinking? 05:18 The Replacement of Income 08:03 Calculating the Potential Retirement Savings 13:09 The Impact of Inadequate Life Insurance 16:06 Considering Market Rates of Return 23:04 Taking Action: Evaluating Your Life Insurance Coverage

In this episode, Ryan Burklo and Alex Collins discuss the factors that impact financial success, focusing on the location and liquidity of wealth. They explain that most people have two buckets of money: savings and retirement accounts. However, they emphasize the importance of having a midterm bucket, which provides liquidity and flexibility for life events and goals. They discuss the characteristics of each bucket and the need for balance and tax efficiency. They also introduce the concept of true liquidity, which involves having money in a separate account that is not correlated with the market. They provide examples and calculations to illustrate the benefits of having a midterm bucket and true liquidity. If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net Takeaways The location of wealth can be more important than the amount of wealth. Having multiple buckets of money with different tax treatments and liquidity levels is crucial for financial success. A midterm bucket provides liquidity and flexibility for life events and goals. True liquidity involves having money in a separate account that is not correlated with the market. Balancing risk and tax efficiency is key when allocating money across different buckets. Chapters 00:00 Introduction 01:45 The Location of Wealth 03:29 The Importance of a Midterm Bucket 04:19 Understanding True Liquidity 07:28 Balancing Risk and Tax Efficiency 11:21 Maximizing Financial Success

In this episode, Ryan Burklo and Alex Collins discuss the five factors that impact financial success. They focus on the first factor, which is the amount of wealth. While many people believe that the size of their assets is the most important factor, the hosts argue that it is actually one of the smallest factors when it comes to the efficiency of assets. They provide an example to illustrate this point, showing that the rate of return and distribution method have a greater impact on income in retirement. The hosts emphasize the importance of considering all five factors and creating financial balance. If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net Takeaways The amount of wealth is just one of the five factors that impact financial success. The rate of return and distribution method have a greater impact on income in retirement. Creating financial balance is important, considering all five factors and finding appropriate amounts for each. Legacy and the fear of running out of money are important considerations in retirement planning. Chapters 00:00 Introduction and Beer Talk 03:01 The Impact of the Amount of Wealth 07:31 Rate of Return and Income in Retirement 10:48 Guaranteed Distribution in Retirement 13:55 The Importance of the Other Four Factors 16:03 Conclusion  

In our final general election special we're working through a few more topics you told us you wanted to hear about. Cost of living impacts everyone, but it can be particularly challenging if you're disabled – how do our panel envision the situation could be improved? And while many people work, we also know lots of you care for someone you love, so how might the topics of employment and Carer's Allowance shake down when the next government is in place? This week's expert panel - Rensa Gaunt from Inclusion London, James Taylor from Scope and BBC Social Affairs Correspondent, Michael Buchanan. Have a very merry general election, from the Access All team. Presented by Emma Tracey Production by Alex Collins and Natasha Fernandes Sound recording and editing by Dave O'Neill Edited by Beth Rose We always love to hear form you. Get in touch by emailing accessall@bbc.co.uk or message @bbcaccessall on X or Instagram. Our WhatsApp number is 0330 123 9480, please begin your message with the word ACCESS.

In this episode, Ryan Burklo and Alex Collins discuss risk and volatility in investment portfolios. They emphasize the importance of investing for future income and the need to get the allocation and risk profile right. They explore the concept of volatility and how it relates to the movement of money in investment accounts. They also discuss the traditional two-legged stool model of investing in stocks and bonds, and the need to bring back a three-legged stool model that includes cash. They highlight the flexibility and choice that cash provides in managing unexpected expenses and investment opportunities. The episode concludes with a question for listeners about the number of legs in their financial stool. If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net Takeaways Investing is important for future income and financial security. Getting the allocation and risk profile right is crucial. Volatility refers to the movement of money in investment accounts. The traditional two-legged stool model of investing in stocks and bonds may not provide enough flexibility and choice. Including cash in the investment portfolio can provide a buffer and allow for better allocation and risk management. Having cash on hand is essential for managing unexpected expenses and investment opportunities. Chapters 00:00 Introduction and Importance of Investing 02:28 Investing in 401k and Risk Profile 07:42 Understanding Bonds and Volatility 09:34 The Importance of Cash in Allocation 13:03 Flexibility and Choice Provided by Cash 15:23 Managing Unexpected Expenses and Investment Opportunities

Emma Tracey interviews representatives from all the major parties to find out what they are pledging when it comes to disability and mental health, ahead of the general election on 4 July. In this edition, we hear from Mags Lewis of the Green Party and Liz Saville Roberts from Plaid Cymru. Reform UK did not put forward a representative for this interview. Instead, BBC Political Correspondent, David Cornock, has taken a look at Reform UK's manifesto to discuss what the party is planning. Kate Lamble, from More or Less, a Radio 4 programme all about numbers, also offers some analysis on how the plans add up. Production: Daniel Gordon, Alex Collins and Natasha Mayo Sound recording and editing: Dave O'Neill Editors: Farhana Haider and Beth Rose At the time of recording, all the statistics provided by the Disability Policy Centre, around the number of disabled candidates were correct. The DPC says it will continue to collate the information and will have a final tally shortly after the election. Get in touch, we really want to hear from you. You can email us at accessall@bbc.co.uk or message @bbcaccessall on X or Instagram. Our WhatsApp number is 0330 123 9480, please begin your message with the word ACCESS.

Emma Tracey interviews representatives from all the major parties to find out what they are pledging when it comes to disability and mental health, ahead of the general election on 4 July. In this edition, we hear from Liberal Democrat leader, Sir Ed Davey, and Marion Fellows, disabilities spokesperson for the Scottish National Party. Kate Lamble, from More or Less, a Radio 4 programme all about numbers, also offers some analysis on how the plans add up. Production: Daniel Gordon, Alex Collins and Natasha Mayo Sound recording and editing: Dave O'Neill Editors: Farhana Haider and Beth RoseAt the time of recording, all the statistics provided by the Disability Policy Centre, around the number of disabled candidates were correct. The DPC says it will continue to collate the information and will have a final tally shortly after the election.Get in touch, we really want to hear from you. You can email us at accessall@bbc.co.uk or message @bbcaccessall on X or Instagram. Our WhatsApp number is 0330 123 9480, please begin your message with the word ACCESS.

Emma Tracey interviews representatives from all the major parties to find out what they are pledging when it comes to disability and mental health, ahead of the general election on 4 July.In this edition, we hear from Mims Davies, the Minister for Disabled People, Health and Work for the Conservative Party. Kate Lamble, from More or Less, a Radio 4 programme all about numbers, also offers some analysis on how the plans add up.Production: Daniel Gordon, Alex Collins and Natasha MayoSound recording and editing: Dave O'NeillEditors: Farhana Haider and Beth RoseAt the time of recording, all the statistics provided by the Disability Policy Centre, around the number of disabled candidates were correct. The DPC says it will continue to collate the information and will have a final tally shortly after the election.Get in touch, we really want to hear from you. You can email us at accessall@bbc.co.uk or message @bbcaccessall on X or Instagram. Our WhatsApp number is 0330 123 9480, please begin your message with the word ACCESS.

Emma Tracey interviews representatives from all the major parties to find out what they are pledging when it comes to disability and mental health, ahead of the general election on 4 July.In this edition, we hear from Angela Rayner, deputy leader of the Labour Party.Kate Lamble, from More or Less, a Radio 4 programme all about numbers, also offers some analysis on how the plans add up.Production: Daniel Gordon, Alex Collins and Natasha MayoSound recording and editing: Dave O'NeillEditors: Farhana Haider and Beth RoseAt the time of recording, all the statistics provided by the Disability Policy Centre, around the number of disabled candidates were correct. The DPC says it will continue to collate the information and will have a final tally shortly after the election.Get in touch, we really want to hear from you. You can email us at accessall@bbc.co.uk or message @bbcaccessall on X or Instagram. Our WhatsApp number is 0330 123 9480, please begin your message with the word ACCESS.

In this episode, Ryan Burklo and Alex Collins discuss the concept of net rate of return and its impact on investment portfolios. They explore the real rate of return, inflation, asset allocation, and the importance of balance sheet allocation. The conversation delves into the significance of understanding and combating inflation to achieve long-term financial goals. If you would like to learn more about Quantified Financial Partners, please visit our website www.beerandmoney.net Takeaways Understanding the real rate of return is crucial for evaluating the true performance of an investment portfolio. Inflation erodes the purchasing power of money, making it essential to combat inflation through strategic asset allocation. Balance sheet allocation and risk profile play a significant role in achieving a favorable rate of return. The composition of the portfolio, including promise-based assets and market-based assets, impacts the overall risk and return profile. The conversation emphasizes the importance of considering the entire balance sheet and not just individual accounts when evaluating investment strategies. Chapters 00:00 Understanding Net Rate of Return and Inflation Impact 02:51 Strategic Asset Allocation for Combatting Inflation 06:11 The Role of Balance Sheet Allocation in Rate of Return 09:05 Composition of Promise-Based and Market-Based Assets 11:56 Evaluating Investment Strategies Beyond Individual Accounts

In this conversation, Alex Collins discusses different strategies for funding a child's education. He explores the limitations of 529 plans and suggests alternative methods such as using real estate investments, cash value from life insurance policies, and Roth IRAs. The goal is to provide flexibility and options for funding education while also teaching children important life skills. It is important to work with professionals and consider various factors such as cash flow, liquidity, and taxes. If you would like to learn more about Quantified Financial Partners, please visit our website https://www.beerandmoney.net Takeaways 529 plans are a common choice for education funding, but they have limitations and lack flexibility. Using real estate investments can provide a multi-use dollar and teach children valuable life skills. Cash value from permanent life insurance policies can be used to fund education. Roth IRAs can also be used for higher education, but caution is needed and professional advice should be sought. It is important to consider factors such as cash flow, liquidity, and taxes when planning for education funding. Chapters 00:00 Introduction and Favorite Beer 01:29 Limitations of 529 Plans 04:44 Using Real Estate Investments 06:21 Utilizing Cash Value from Life Insurance Policies 09:43 Considering Roth IRAs for Higher Education 11:15 Factors to Consider in Education Funding 14:17 Importance of Flexibility and Professional Advice 15:51 Encouragement for Questions and Feedback 16:10 Closing Remarks

In this episode, Ryan Burklo and Alex Collins discuss the concept of net rate of return and its impact on investment portfolios. They explore the real rate of return, inflation, asset allocation, and the importance of balance sheet allocation. The conversation delves into the significance of understanding and combating inflation to achieve long-term financial goals. Takeaways Understanding the real rate of return is crucial for evaluating the true performance of an investment portfolio. Inflation erodes the purchasing power of money, making it essential to combat inflation through strategic asset allocation. Balance sheet allocation and risk profile play a significant role in achieving a favorable rate of return. The composition of the portfolio, including promise-based assets and market-based assets, impacts the overall risk and return profile. The conversation emphasizes the importance of considering the entire balance sheet and not just individual accounts when evaluating investment strategies. Chapters 00:00 Understanding Net Rate of Return and Inflation Impact 02:51 Strategic Asset Allocation for Combatting Inflation 06:11 The Role of Balance Sheet Allocation in Rate of Return 09:05 Composition of Promise-Based and Market-Based Assets 11:56 Evaluating Investment Strategies Beyond Individual Accounts

The boss of Paralympics GB joins us, with just over 100 days to go until this summer's Games in Paris. From studying politics to a spell in banking – not to mention playing blind football for England - we explore the work Dave Clarke's done to help innovate the workforce – and the playing field.Plus, is Right Care, Right Person the right approach? The scheme used by several police forces in England and Wales means fewer officers attend mental health calls. Instead support is provided by the NHS and mental health services. One top police boss believes it is a success, but as you'll hear mental health charities have concerns. Presenter Emma Tracey The episode was made by Alex Collins and Daniel Gordon Recorded and mixed by Dave O'Neill The editor was Ben Mundy

Mims Davies knows first-hand about disability having been a carer for her dad after he sustained a head injury. But how is the Minster for Disabled people, Health and Work faring in the job? In an extended interview, Emma Tracey quizzes her on a variety of topics including the government's decision to make people on a modest income pay back money for over-claiming Carer's Allowance. The minister responds to claims by a United Nations committee that the UK is failing in its duty to give disabled people dignity in life and work. Plus it's a year since the British Sign Language (BSL) Advisory Board first met to advise the government on key issues impacting BSL users in the deaf community. What has it achieved so far?Presenter Emma TraceyThe episode was made by Alex Collins, Daniel Gordon and Drew HyndmanRecorded and mixed by Dave O'NeillThe editors were Damon Rose and Alex Lewis

Activism has been a part of Liz Carr's career since the start, particularly when it comes to assisted dying, also known as assisted suicide. She's made a documentary on the world service, and even a musical on the topic, and now she has a new BBC documentary, provocatively named Better Off Dead? In this special episode, Liz chats to Emma about making the documentary including: seeing how it works in Canada, her fears about abuse and her sympathy for terminally ill people. "Alexa, ask the BBC for Access All" is one way of listening to us; subscribing on BBC Sounds or wherever you get your podcasts is another. Access All was made by: Daniel Gordon, Drew Hyndman and Alex Collins. The editor is Alex Lewis, senior editor Sam Bonham, the presenter is Emma Tracey. It was recorded and mixed by Dave O'Neill.