Podcasts about as nick

Nick Cooley was driving through Texas as part of his medical device sales job. At the time, he didn't have much money on him. He pulled over to fill up his company car with gas, scraped every nickel and dime from the seats and cup holders, and came up with just over one dollar in change. This was Nick's meal budget for the night. He settled on an ice cream sandwich before getting ready to spend another night in his car.This was a position Nick never wanted to be in again. He knew what it was like to be broke and borderline starving due to financial scarcity. Nick then decided it was time to jump into real estate investing and make a change for the better.As Nick made more money, he saved up everything he could to start buying primary residences, only to rent them out a year later using his coined “nomad strategy”. He's done this multiple times and has been lucky to buy all of them in the growing Denver market. That being said, this wasn't a completely smooth transition. Nick had a property that put a $50,000 hole in his pocket right after closing. If you stick around for his story, you too will be able to avoid this type of mistake in the future!In This Episode We CoverDeveloping your “why” behind investing in real estateThe “Nomad” strategy for buying a new primary residence every yearWholesaling a $2M, 8-unit property as his first wholesale deal How to get your partner on the real estate investing trainFinding deals in expensive, competitive markets like Denver, ColoradoWhether or not investors should become real estate agentsLosing $50k on a bad deal, but creatively making a profit from itAnd So Much More!Links from the ShowReal Estate Rookie PodcastReal Estate Rookie Youtube ChannelAshley's InstagramTony's InstagramBPCON2021Rookie BootcampBiggerPockets PodcastMLSReal Estate Rookie Facebook GroupRookie Podcast 81: David Greene on Where Rookies Go Wrong When Looking for an AgentFacebook MarketplaceAirbnbBrandon Turner's InstagramBlackRockCheck the full show notes here: https://biggerpockets.com/rookie109See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Nick Nanton is a multi-Emmy-award-winning documentary filmmaker and the Founder and CEO of DNA Films, through which he's produced countless works, including, “Dream Big: Rudy Ruettiger Live on Broadway,” a sell-out one-man show he wrote and directed. In Nick's words, he came from a childhood where he had “more love than he could spend, but money was scarce”. He soon learned that if he wanted something in life, he would have to be the one to make it happen. Learning a lifestyle of entrepreneurship from a young age, he's gone on to enact an intentional life of spirituality and manifestation – at one point, he Googled “How to win an Emmy.” He's since won over twenty of them.  Among his many tenets are that we must learn how to lose, and lose to learn. He also believes that we never stop learning – and that that fact is one of life's joys, infinitely exciting and personally fulfilling.  Nick is also the CEO of the Dicks + Nanton Agency, founded to help celebrities, entrepreneurs, and experts in their field put their best selves forward to the world. In this edition of Gravity, we discuss how anybody at all can set about achieving their goals simply by addressing their branding. As Nick says, “Branding is storytelling” and sharing our stories is the central philosophy of the Gravity podcast. What Brett asks: [01:30] Tell me about your childhood. [06:20] What was it like being a child in a family where money was an issue? [12:40] Do you think you're a natural hustler? [19:00] Let's talk tennis. [28:00] Tell me about going from law school into adulthood. [36:50] Why did you finish your law degree if you wanted to quit? [42:00] Connect how you went from graduation to present day. [52:10] How do you think you went and other people can go about gaining undeniable wisdom? [56:00] Do you have any advice for people doubting that they can achieve their dreams? [58:00] How do you continue to grow, learn, and provide value to the world? To learn more about intentional living, and for the complete show notes, visit: https://gravityproject.com/ (gravityproject.com) Resources: https://nicknanton.com (Nick Nanton's Website) https://www.imdb.com/name/nm4479660/ (Nick on IMDb) https://www.instagram.com/nicknanton/ (Nick on Instagram) https://www.linkedin.com/in/nicknanton/ (Nick on LinkedIn) https://www.amazon.com/Case-Didnt-Know-Nick-Nanton/dp/B07KWHYPY3 (In Case You Didn't Know with Nick Nanton) Gravity is a production of http://crate.media (Crate Media).

Use these psychological tactics to change how people see prices. I recently read a very in-depth article by Nick Kolenda on the psychology of pricing. I was so fascinated by what he revealed that I immediately changed some of the ways I display prices for myself and the things I design for my clients. I thought I would save you time by summarizing the 42 research-proven psychological tactics in Nick's article in a podcast series. I'm sure you'll find it very useful in your design business. All studies I reference are linked to in Nick's article, in case you're interested. As Nick puts it, At the end of the day, price is merely a perception. Nothing more. Nothing less. In fact, you can change that perception of how people interpret a price simply by changing the visual traits of the numeral. It's a given. The number 5 is greater than 4. And 6 is greater than 5. But using these psychological pricing techniques, you can actually make prices seem lower - without reducing the actual price. According to a 2002 study, most people don't remember exact prices. Rather, they remember general prices. Have you ever looked at a price, and later when asked about it, only have a general idea of how much it was? When I get home from the grocery store and my wife asked me how much it cost. I don't always remember the exact price. Was it $131 and change, or was it $138 and change? So I might tell her it cost "$130 something dollars." Because humans have such a hazy memory regarding prices, we can use certain psychological tactics to influence people into seeing smaller prices than they realize. Let me get right down to the actual tactics. Tactic 1: Reduce the Left Digit By One You're probably already familiar with this tactic. Reducing the left digit by one creates a perception of a lower price. $199 is viewed as a much better deal than paying $200. Gumroad's conversion rates study shows that pricing things at $0.99 instead of $1 or $2.99 instead of $3, or $5.99 instead of $6 conversion rates increase by 2-3%. According to a 2005 study. Our brains encode numbers so quickly that we register the size of the number before we finish reading the entire number. When reading $1.99, our brain registers it as a dollar something which is lower than $2 something making it more desirable. Nick offered a bonus tip to this tactic. Superscripting or minimizing the digits after the decimal places more emphasis on the number before the decimal. So $1 with a small 99 next to it appears smaller than $1.99 all the same size. Tactic 2: Use Prices With Fewer Syllables I'm a bit skeptical about this tactic. But according to a 2012 study, the more syllables there are, the more mental resources we need to process the information. The same principle applies to numbers. If we spend more mental energy reading a number or price, we falsely perceive that price as larger. The fewer syllables involved, and we perceive that price as smaller. It doesn't matter that you are not saying the number out loud. Your brain does it for you. This same study found that a slightly higher price with fewer syllables was more favourable to people than a lower price with more syllables. For example. $27.82 has 7 syllables. $28.16 has only 5 syllables. There's only $0.34 between the two prices. But people were more inclined to spend the higher amount. As I said, I'm skeptical about this one, but the studies do show it to be true. Tactic 3: Display Prices In A Small Font Size. This one applies to what we do as designers. According to a 2005 study. Human brains conceptualize size with value. If you display the price in a smaller font size, people will perceive the price to be smaller. Another trick is to position larger elements around the price to create a visual hierarchy. The larger elements will make the price visually smaller, which in turn makes the perceived price smaller. The revers works for discounts. Display discounts larger to emphasize their large value. Tactic 4: Remove The Comma. I really like this tactic. According to a 2012 study, removing the comma from a price makes it seem lower. This one ties into tactic 2 of having fewer syllables. A price displayed as $1,499 reads as one-thousand four hundred and ninety-nine–10 syllables. Whereas a price displayed as $1499, without the comma, reads as fourteen ninety-nine–5 syllables. I may be skeptical about the syllables thing. But I cannot argue that $1499 sounds like a better deal than $1,499. Tactic 5: Use Words That Indicate a Reduced Magnitude. According to a 2005 study, the words associated with a price influence people's perceptions of that price. For example. Two identical pairs of inline skates are selling for the same price. Both packages list the same features and benefits. However, one pair emphasized “High Performance” while the other pair emphasized “Low Friction.” The pair that emphasized “Low Friction” outsold the other pair. The wording associated with the price caused the perception of the price to change. How can you incorporate this into your design business? Maybe you can promote low-maintenance websites as opposed to high converting websites? I don't know. But it might be worth doing some A/B testing. Tactic 6: Separate the Shipping and Handling. According to a 1998 study, people are more likely to use the base price when making comparisons. By partitioning your price, meaning separate the price into multiple components instead of offering a total price, you lower the base price, which creates a perception of the offer being more affordable. A 2006 test run on eBay showed auctions with an opening bid of $0.01 and a shipping cost of $3.99. Outperformed auctions for the same item with an opening bid of $4 with free shipping. The total prices were identical. And yet, the first one received a lot more traction. Tactic 7: Offer Payments in Installments By offering people an option to pay in smaller increments rather than one lump sum, you anchor their perception on the smaller price. Let's say you are pitching a new website design to a client. Instead of quoting them $6000, quote them three installments of $2000 each. Don't get me wrong. Client's are not stupid. They know that three installments of $2000 are $6000. But by offering installments, you taint their comparison process. Even though the client knows your total price is $6000, if they compare it to another web designer who quotes a total of $6000, you're lower installments will feel much more appealing to them and have a good chance of influencing their decision towards you. Tactic 8: Mention the Daily Equivalence. You see this tactic often used by charities and non-profits. Instead of mentioning the monthly or yearly cost, they share the low daily price. A 1998 study proved that using a daily price creates a perception of an overall lower price. This doesn't mean you shouldn't mention the regular price. In fact, it should still be the primary focus. However, mentioning the daily equivalence anchors people towards the lower end of the price spectrum. For example. Being a member of the Resourceful Designer Community is $14.95/month. That works out to $0.49 per day. Is having a group of fellow design peers who are able and eager to help you grow your business not worth $0.49 per day to you? If so, join today. A bonus tip: if you can't reframe your price into a daily cost, a 1999 study shows that the same thing can be done using petty cash expenses, such as the cost of a cup of coffee. Tactic 9: Be Precise With Large Prices This is one of my favourites out of all of these tactics. It's also the first one I started implementing. When dealing with large prices, people are willing to pay more money when a price is precise instead of rounded. For example,  A website project costing $6834 as opposed to a website project costing $6000. Why is that? A rounded price is more suspicious. A client may question how you came up with a nice round price of $6000. Did you pick it out of thin air? Did you calculate the actual cost at $5700 and decided to round it up to $6000? However, a precise number, such as $6834, leaves little room for suspicion. If you are quoting a precise number, clients will readily believe it's the actual price of the project. This thought pattern makes people much more agreeable to the price. A 2007 study analyzing 27,000 real estate transactions showed that home buyers were willing to pay more, often thousands and even tens of thousands of dollars more, for a home listed at a specific price compared to a home listed at a rounded price. These same people were also less likely to negotiate, or if they did, they would negotiate in much smaller increments than those bidding on a home with a rounded asking price. By providing a specific price, such as $6834 for a website instead of $6000, the client is much more likely to trust what you are selling them and be agreeable to the price. As I said, after reading this one, I immediately stopped quoting rounded prices to my clients. It's still too early to tell how it's going, but so far, so good. Want more tactics? Tune in to next week's episode Resource of the week Chrome Application Shortcuts A convenient way to turn a website into a desktop application is by using Chrome Applications Shortcuts. This is especially useful for browser-based tools such as invoicing/bookkeeping and Customer and Project Management Software. Instead of searching through dozens of open browser tabs for the right one, create an application shortcut and treat the webpage as a desktop application. To create a Chrome Application Shortcut, open the website, you would like to turn into an application in a browser tab. On the far right of the address bar, click the three vertical dots. Select “More Tools” > “Create Shortcut” Name the application in the pop-up window and be sure to check “Open as Window.” then press Create. A new Application icon will appear in the Chrome Apps folder within your Applications folder. You can now use it just like you would any other application. You can add it to your Dock. You can create Aliases from it. And you can easily switch between it and your other applications via the Control Centre. Give it a try and let me know what you think.

Today's episode is with Nick Caldwell, VP of Engineering at Twitter. Previously, Nick was at Microsoft for 15 years, eventually becoming GM of Power BI. Nick has also held roles as Reddit's VP of Engineering and Looker's Chief Product and Engineering Officer.   Between Microsoft, Reddit, Looker, and now Twitter, Nick's worked for companies with vastly different cultures. And in today's conversations, we comb through the biggest lessons from each of these orgs.    With Microsoft, we unpack what Nick believes is a massively underrated approach to organizational design. He explains the company's rigorously approach to regular pruning and shaping the org chart. He also gives us an inside look at their management training and talent development, as well as what Nick calls the fairest performance review system he's seen.   As Nick tells it, there was a steep learning curve when he pivoted from 15 years at Microsoft to Reddit. He doles out advice for other folks getting their bearings after a big career move. He also explains how Reddit's mission-driven culture informs his approach to leadership at Twitter.    Finally, with Looker, Nick unpacks his biggest lessons from leading both the product and engineering teams, which offered him a unique perspective on how these two orgs that are often at odds can properly team up.   It's an incredibly wide-reaching conversation, so there's something for pretty much everyone. Whether you're interested in the cultural practices that power some of the world's biggest companies, or you're a manager looking to level up, or you're an engineer with goals to take on leadership, Nick's got plenty of advice and insider stories to share.    You can email us questions directly at review@firstround.com or follow us on Twitter @ twitter.com/firstround and twitter.com/brettberson

Be prepared to have your perspective shifted in the next 30 minutes.Nick is just that - a perspective shifter. As one of only four humans alive with the rare genetic disorder Hanhart Syndrome, Nick was born with no legs and one arm. You'll quickly see that this has provided him with no handicap. By the time Nick was a teenager, he had over a million followers on social platforms being inspired by the likes of Dwayne Johnson and Ed Mylett.Nick is a best selling author, competitive athlete and internationally known bodybuilder, a fitness model, a public speaker, and runs multiple companies. As Nick would say, "The biggest disability you have is not your body or what you can or can't do. Your biggest disability or handicap is your mindset." This man and this interview will change yours.In thirty minutes you'll learn:-One of the greatest lessons and gifts his parents ever gave to him-A simple strategy anyone can use to build confidence-How to empower yourself and those around you-Some of the best relationship advice I have ever heard-Learn to turn discouragement and depression into purpose and drive-Find the source of his boundless energy and his love for lifeLINKSNick Santonastasso - Instagram - https://www.instagram.com/nicksantonastasso/?hl=enNick Santonastasso - Facebook - https://www.facebook.com/NickSantonastassoNick Santonastasso - Youtube - https://www.youtube.com/user/nicksanto534Victorious - https://www.victory-method.com/free-training-1?utm_campaign=apply+for+victorious+call&utm_medium=tiktok&utm_source=organic_social&utm_term=tiktok+bioBook Nick Santonastasso - https://booknicksanto.com/Victim to Victor: How to Overcome the Victim Mentality to Live the Life You Love - https://www.amazon.com/Victim-Victor-Overcome-Mentality-Live/dp/B07P9VQF2D/ref=sr_1_1?dchild=1&keywords=nick+santonastasso&qid=1622652136&sr=8-1Born to Break the Boundaries: How We Raised an Adaptive Child in a Handicap World - https://www.amazon.com/Born-Break-Boundaries-Adaptive-Handicap/dp/172941172X/ref=sr_1_2?dchild=1&keywords=nick+santonastasso&qid=1622652136&sr=8-2The Power of Movement: How to Avoid Stagnation and Achieve Your Dreams - https://www.amazon.com/Power-Movement-Stagnation-Achieve-Dreams/dp/1484033566—Explore past episodes: XperienceGrowthPodcast.comSign up for our newsletter here: XperienceChrisSuarez.comIf you enjoy the podcast, please leave us a short review on Apple Podcasts. I love reading reviews and engaging with our community.Follow Chris:Twitter: twitter.com/Xperience_ChrisInstagram: instagram.com/xperiencechrissuarezFacebook: facebook.com/XperienceChrisSuarez

Kwame Brown & Nick Cannon are proving with incredible efficiency that one man is more than capable of handling several suitors at once. As Nick continues to be fruitful with the seed of life, Kwame continues to unleash verbal Mortal Kombat as he berates his many detractors with "Mama's cooking" from the comfort of his own home (and truck) on his YouTube channel: "The Bust Life". This week The Vexed Intellects discuss the many adventures of these two gentlemen plus... Dominique Wilkins claims racial discrimination, Dwyane Wade shares his thoughts on who should lead in marriage, A-Rod creates a male make-up line, & some straight men claim that a bromance consists of kissing & cuddling other straight men. The guys also discuss whether or not you should check 1st & request permission before venting/unloading your problems onto someone. Lastly, in the relationship segment of the podcast the Intellects discuss if flirting is cheating, & will "knowing your worth" keep you single. These topics & much, much more! #getvexed & enjoy! Discuss the show with the #thevexedintellects hashtag on Twitter and all socials, and please don't forget to rate us, review us, & listen on Apple Podcasts, Google, Spotify, Stitcher, or your favorite podcast app. Follow us on: Instagram Facebook Twitter

As Nick and Joe prepare to move to regular radio the Canadian government introduces censorship legislation in Parliament

Nick Tuzenko is the Founder and Managing Director of Accel Club, a firm that acquires Amazon FBA businesses. With expertise in e-commerce, technology, and M&A, the team at Accel Club is disrupting the FBA industry and boosting brands to the next level. Before founding Accel Club, Nick served as the Managing Director of Busfor, a company that streamlined the bus transportation industry by developing technological solutions to connect bus operators and carriers with travelers. In this episode… For FBA private label brands looking to sell their businesses, it can be difficult to know where or when to start in order to achieve the most profitable exit. Because of this, many brands choose to wait six to 12 months to put their business on the market with the hope that the value of their brand will increase. However, this may not be the best strategy for current sellers. According to Nick Tuzenko, there are some timely factors that these brands should consider first. As Nick says, these include the current high demand for FBA businesses, the uncertain economic future, and any possible shifts that could change the market. So, what is Nick's advice to current private label brands who are thinking about making a sale? Nick Tuzenko, the Founder and Managing Director of Accel Club, joins James Thomson on this episode of the Buy Box Experts podcast to explain why FBA private label brands should sell their businesses right now. Nick discusses how he evaluates brands looking to sell, the various ways his company helps brands with sourcing, and his predictions for the future of the FBA space. Stay tuned.

Today, “mindset” has become a majorly buzzy term, with plenty of self-styled gurus out there offering opinions on how to better it. For Dr. Nick Sotelo, a life and career coach and formerly a marriage therapist, sports coach, academic and corrections officer, his take on mindset is, at its root, both impactful and simple one: “Mindset is what your mind is set on.”    Through his coaching process, The Upgraded Life, Nick blends his scientific knowledge of psychology with personal development tenets designed to help clients examine their vision and core values and clarify their mindset in particular. As Nick puts it, your mindset is profoundly shaping your lived experience, whether you’re aware of it or not.    “You can’t escape it. Everybody has a mindset,” he says. “The problem is too many people are just unaware of it.”   And for a truly successful, fulfilled life, achieving that awareness is vital. In this episode of True North Man, Paul and Nick talk about the hurdles society has set up that keep men from reaching an understanding, the exercises he recommends for figuring out your mindset’s current state (and what’s needed to improve it), and how being a “drink-from-the-firehose” guy ultimately led Nick to find his calling.   What You’ll Learn How Nick helps men learn to integrate their feelings in meaningful ways (plus, how the “four primary feeling states” intersect with that) Why having mindset clarity will help shield you from external chaos, like COVID What Nick means by “negative-default mindset,” why most people have it and how affirmations can help And much more!   Favorite Quote:  “To achieve meaningful success, it’s going to come back to your mindset and what your mind is set on. It’s about your attitudes and your beliefs. It’s about your fears and how you’ve learned to address your fears. It’s about your doubts and how you’ve learned to address your doubts… The problem is, too many people either don’t believe they have control over their mindset, or they’re just not aware that their mindset is one of the biggest factors responsible for the life they have right here, right now.” — Nick Sotelo   Connect With Nick:  Personal website Facebook Twitter The Upgraded Life podcast   How To Get Involved: Discover all that Paul Beam has to offer at www.true-north-ministries.com    Enjoyed the episode? Hop over to Apple Podcasts for more! Like and share to help spread the word. We appreciate your support—and we hope to return the favor: Leave a review to let us know what you want to hear from Paul next.

Friends,The focus of this interview is on a 'greenfield' project that was under wraps for the past three years, and has only recently been revealed. Project Fulcrum was launched in the spring of 2018 by the CEO and senior leadership team of AdventHealth - one of the largest healthcare systems in the country. It’s bold purpose - “to disrupt its legacy provider business model with consumer-driven innovation”.  Our guest this week is Nick Archer, the CEO of Project Fulcrum. In this role he leads a cross-functional team from brand experience, banking, retail, and healthcare to build new products and experiences. He has held various leadership positions at AdventHealth in strategy and finance, most recently serving as the VP of Finance for Network Development and Post-Acute Care. He serves on the boards of United Against Poverty and Andrews Memorial Hospital in Kingston, Jamaica. Nick earned a bachelor’s degree in finance from Oakwood University and an MBA from the University of Florida’s Hough Graduate School of Business. In this episode, we’ll discover:The competitive market forces that led AdventHealth’s leadership team to make the decision to disrupt their own business model. The fundamental consumer problems & issues that Nick and his team discovered during their customer discovery work. The consumer innovation initiative that Project Fulcrum has deployed to over 50,000 patients. Some of the early outcomes they’ve achieved, such as a 30% reduction in no-show rates.This interview felt like listening to a superb master class in healthcare consumerism. Although many of us in healthcare use words like ‘empathy’, ‘consumer-focus’ and ‘whole person care’ - Nick and his team, as you’ll hear in this interview, have taken a very different approach to delivering on these concepts. For example - the notion that ‘empathy’ isn’t just identifying your customer’s pain points, but must also include understanding what role they want you to play in solving those problems. Nick’s team discovered that their patients did not want things done to them, but instead were looking for someone to “come alongside, champion and remove barriers”.  Another example - the notion that ‘conversation’ itself has a significant healthcare value proposition. As Nick puts it, “using the medium of conversation as a way to drive value, whereas traditionally the paradigm of communication in medical practice is largely task focused and transactional”. There are numerous remarkable and unique aspects to Project Fulcrum. The commitment to transformation - made by the AdventHealth senior leadership team - to protect, support and resource a greenfield innovation division. Their relentless pursuit to understand the consumer perspective and make that priority number one. The fact that they intentionally chose to start by creating a more personalized consumer experience. And, their intention to eliminate disparities & inequities in experience and access. As Nick states,“We want to democratize the idea of concierge and make care accessible to everyone.”Project Fulcrum is a bold strategic commitment to investing in the future; to investing in AdventHealth’s differentiation and growth; and to investing in a significant, positive inflection in patient care. As Nick eloquently states during the interview, “The challenges of today can’t prevent us from thinking through and designing the success of the future”. This initiative is a remarkable example of a disruptive innovation and I suspect numerous case studies will be written about it. For me, however, the most essential theme is the humanistic one. This is a story about leadership that clearly believes that enhancing human connection - empathetic dialogue and healing relationship - is necessary to a successful healthcare delivery system and critical for a thriving healthcare business model. If you want to understand what ‘humanizing healthcare’ can look like, I suggest you listen to this interview with Nicholas Archer, CEO of Project Fulcrum at AdventHealth.Until next time, be safe and be well.Zeev Neuwirth, MD

Nick Hughes is joined by Joe Altieri, President and Founder of FlexScreen from Pittsburgh, Pennsylvania.  FlexScreen is the world's first and only flexible window screen. Their patented, simple, problem-solving design is turning heads in the industry, earning multiple awards, and selling millions.  A paradigm-shifting product, FlexScreen is revolutionizing the window industry. Nick and Joe jump into a fun and wide-ranging conversation starting with his background and how he got into entrepreneurship in the first place. As Nick usually points out, it starts with a problem and in this case we hear how Joe discovered an unmet need in the window screen niche market. We then hear about Joe's Shark Tank experience, what it was like to prepare and pitch in the studio and how the resulting deal goes down. Lastly, Joe shares his quick tips for early stage entrepreneurs on how to stay focused and in the game. This is an great conversation with many tips and lessons learned from a veteran founder, and we hope it helps you today on your journey.https://flexscreen.com/

Welcome to the #RunPainFree Podcast! In today's episode, Coach Jessica Marie Rose Leggio speaks with leading elite sport sleep coach Nick Littlehales. It sounds like a unique professional title, well, that's because he invented it!  Nick's career spans over 20 years. He has been a true innovator in bridging the divide between sleep science and creating actionable steps that athletes can implement to improve their rest and recovery. He is also the author of the international bestselling book "Sleep: The Myth of 8 hours, the Power of Naps, and the New Plan to Recharge Your Body and Mind." In this episode, he shares his knowledge and techniques underpinning his R90 Technique to increase your rest and performance. If you have been basing your recovery on the adage of getting eight hours every night, this episode is going to give you something to sleep on.  Step 1: Circadian rhythms  The first thing you need to do to improve your sleep is developing your understanding of circadian rhythms. Circadian rhythms are physical, mental, and behavioral changes that follow a 24-hour cycle. Like animals and plants, we humans (yes, it turns out we are animals after all!) also respond to changes in daylight.  Our melatonin increases in darkness and is suppressed in daylight, whereas serotonin rises during the daytime. Melatonin is most known for its role as a sleep hormone, and serotonin is the "feel good" hormone.  So, in the world of COVID lockdowns, make sure you get outdoors every day; it will do more for you than slamming another coffee. In the evening, getting off your phone and computer and avoiding blue light will help you sleep.  Step 2: Chronotypes.  Chronotypes relate to your natural inclination to sleep at a particular time. Optimizing your approach to sleep relates to understanding your chronotype. So, the question is, are you an early bird or a night owl?  While you can't deliberately change your chronotype, it is good to be aware of your pattern and know that it shifts over your lifetime. That's why that lazy teenager who can't get out of bed in the morning ends up waking up at the crack of dawn in their 80s. If you want to achieve prime performance, base your sleep on your body's natural rhythm.  Step 3: Think about sleep in cycles rather than hours. Alert! This information is the golden nugget of Nick's R90 Technique.  Start thinking about your sleep in terms of the number of cycles throughout the week instead of just getting eight hours a night. If you don't achieve optimum sleep one night, that okay; like one day rolls into the other, you too can move your recovery into the next.  The eight hours a night idea is an outcome of the modern world. Before that, humans slept several times throughout 24 hours or were polyphasic sleepers rather than monophasic.  On any day, you want to aim to hit five 90 minute cycles. Your sleep cycle includes: dosing off, light sleep, deep sleep, and REM – you need all of these to gain the restorative powers of sleep.  How you split that up can be determined by you. If you are someone who crashes mid-afternoon, take that nap, it all counts. Nick's book highlights that naps are magical for your wellbeing. But the key is to hit 90 minutes, as this completes an entire sleep cycle.  Step 4: Pre and post-sleep routines. To aid your ability to dose off into neverland and hit the day running, Nick emphasizes the importance of pre and post-sleep routines. You are developing a standard time to go to bed, and waking up will help in this regard. But don't beat yourself up if you have a sleep-in after a long week; you're human after all.  Pre-sleep routines may include: Getting off your phone. Lowering the temperature in your bedroom. Dimming the lights. Writing down your to-do list for the next day. Post-sleep routines can include: avoiding technology, aka don't look at your phone first thing and freak out over a work email because your cortisol levels are already high enough in the morning. Instead, do some light exercise and a brief mental challenge such as reading the news, sudoku, or a podcast.   Step 5: Balanced activity and recovery. Recovery doesn't just mean you should be sleeping or doing nothing. Throughout the day, you will have periods of intense physical and mental activity. So it is important to incorporate rest throughout the day. As Nick highlights, it's a simple as, 'pointing your brain in a different direction, and visualizing something different." Nick discusses how looking at the horizon on the sea can be restorative. But if you don't have that option available, getting up from your computer and gazing out your window will also do the trick.  Step 6: Environment. Improving your sleep environment is far more helpful than tracking your hours of sleep. Ideally, you want to create your bedroom in a way that is only associated with rest. Okay, we know what you are thinking; there are exceptions; you are human after all. Aim to minimize bright lights and leave your phone outside your bedroom.  Step 7: Products. People trying to improve their sleep quality typically reach for a product; Whether it be a new mattress, eye masks, a sleep tracker, white noise machines, or blue lights. Nick deliberately puts products in the final position in his R90 Technique; while helpful, they have the most negligible impact overall. If you are in the market of replacing your mattress, Nick says the key is to have a bed that adequately supports your neck, hips, and spine while sleeping in the fetal position. His website has further information on selecting a suitable mattress.  Take away lesson. Sleep should be considered an intrinsic part of the way you approach running. Running is intensive, and as you ramp up miles, you also need to ramp up your recovery. Performance gains won't just occur as a result of pushing harder during your training. A massive chunk of your performance relates to the way you approach to sleep and recovery. Particularly for our marathoners, if you have done a long run on the weekend, factor in having a nap afterward; you've earned it.  TIMESTAMPS 00:32 ­– Introduction and biography 02:37 ­– Nick's unlikely career journey  16:09 – How Nick developed the R90 sleep technique 19:17 – Five 90 minute cycles vs. 8 hours sleep per day 22:21 – Circadian rhythms and chronotypes 25:34 – Shortcomings of sleep products  KEY LEARNING POINTS Aim to achieve five 90 minute cycles a day instead of 8 hours per night Napping has a powerful effect on your recovery, memory, performance, and overall mood Develop pre and post-sleep routines Optimize your sleeping environment by eliminating bright light LINKS MENTIONED Marathon Training Summit: MarathonTrainingSummit.com Get an Assessment With Jessica: https://www.runpainfreenow.com. Resources & Programs To Run Injury-Free: https://www.runpainfreeacademy.com #RunPainFree Bootcamp: https://www.runpainfreebootcamp.com/ Get a copy of Nick Littlehale's book, Sleep: The Myth of 8 hours the power of Naps and the New Plan to Recharge Your Body and Mind: https://www.sportsleepcoach.com/collections/sleep-by-nick-littlehales/products/sleep-by-nick-littlehales. Thanks so much for tuning in this week! It was great to have Nick on the show and share his knowledge on optimizing sleep for athletes. We know sleep is something people often struggle with, but we hope that Nick's practical advice helps you get a good night's rest so you can hit the day running! Have some feedback you'd like to share? Please leave a note in the comments section below! If you enjoyed this episode, please share it with your friends.  Don't forget to subscribe to the show on iTunes to get automatic episode updates for our "#RunPainFree Podcast!" And, finally, please take a minute to leave us an honest review and rating on iTunes. They help us out with the show's ranking, and I make it a point to read every single one of the reviews we get. Keep running and keep dreaming!

Last Acquired left the plucky Rec Room crew in our 2018 "Part I" episode, they were a seed stage startup making a VR game that users loved but grew slowly and barely monetized. Fast forward to today, and they're now a multi-platform social "place" with millions of active users, 500%+ YoY growth and hosting a robust creator economy that's rivaled only by their oft-compared metaverse cousin Roblox in dynamics and efficiency. And oh yeah, they're now a $1B+ company after a new $100m fundraise from existing investors Sequoia and Index, which they're announcing today. We figured it was high time to revisit Nick & crew for a Part II...   If you love Acquired and want more, join our LP Community for access to over 50 LP-only episodes, monthly Zoom calls, and live access for big events like emergency pods and book club discussions with authors. We can't wait to see you there. Join here at: https://acquired.fm/lp/   Sponsors:  Thanks to Tiny for being our presenting sponsor for all of Acquired Season 8. Tiny is building the "Berkshire Hathaway of the internet" — if you own a wonderful internet business that you want to sell, or know someone who does, you should get in touch with them. Unlike traditional buyers, they commit to quick, simple diligence, a 30-day or less process, and will leave your business to do its thing for the long term. You can learn more about Tiny here: http://bit.ly/acquiredtiny Thank you as well to Vouch and to Capchase. You can learn more about them at: https://bit.ly/acquired-vouch http://bit.ly/acquiredcapchase   The Rec Room Playbook: (also available on our website at https://www.acquired.fm/episodes/rec-room-part-ii-with-ceo-nick-fajt ) 1. It's ok not to have a grand plan from the beginning. As Nick says, company founding stories tend to get romanticized in retrospect. (Guilty as charged here at Acquired!) As a founder it can feel like there's so much pressure on you to "have it all figured out" from day one. But the reality of most great company beginnings is nothing so grand: often it's just founders who have an inkling about something interesting and the combination of courage + right life circumstances to jump into the unknown and learn as they go. Things change quickly in new or evolving markets, and if you're too wedded to a master plan you're likely to miss more opportunities than you seize. 2. Don't let early (or even just recent) success blind you if potential headwinds are on the horizon. Rec Room experienced "explosive" growth during the 2017 holiday season with the launch of Playstation VR. However this was a classic "wiggle of false hope" (in Paul Graham parlance), not real product-market fit. It would have been easy to ignore the very real warning signs (e.g., that VR adoption as a whole was slowing) and plow full steam ahead. Instead the team realized they probably needed to step back from the temporary momentum and diversify out of solely focusing on VR to find new avenues for growth. 3. Build your company into a robust organism. Startups constantly face existential risks: what if the market shifts? What if we make wrong strategic decisions? How can you architect your business as a system so that "you" (either you personally or the company management as a whole) doesn't need to always be right in order to succeed? For Rec Room this has meant investing deeply into UGC and letting creators lead growth. Any room or piece of content might be no more likely to breakout than another — but in aggregate across now millions of creators, Rec Room is almost guaranteed a constant stream of "hits". 4. UGC is a flywheel that's difficult to start, but creates incredible business dynamics once spinning. Like any flywheel, UGC requires a ton of effort to get moving in the beginning. (E.g., why should people bother to create? What tools do they need? How do you get the incentives right?) But once momentum takes over, it can become an incredible virtuous cycle where users' creativity inspires more users both to consume and create themselves, which compounds faster and faster over time. Furthermore, once a UGC flywheel is spinning, the underlying platform's unit economics get pretty fast: costs to produce content go down (or to zero), cost to acquire users go down (or to zero), and retention, engagement and monetization all spike up. In previous eras Facebook, YouTube, Instagram and Twitch rode to this dynamic to incredible success. Today Roblox, Rec Room, TikTok and others are following the same playbook. 5. When operating a "metaverse", the best business dynamics result from having everything on a single platform (vs. siloing users based on devices/geos/etc) Having all users able to interact on one platform not only maximizes liquidity across the creator-consumer marketplace, but affords the company more power across brand (e.g. Rec Room is the sole brand, not "Rec Room on xbox/steam/VR/etc") and central economic control.   Links: Our "Part I" episode with Nick on Rec Room's seed round: https://www.acquired.fm/episodes/season-2-episode-2raising-a-seed-round-with-against-gravity-ceo-nick-fajt Rec Room! https://recroom.com   Carve Outs: Invent and Wander: https://www.amazon.com/Invent-Wander-Collected-Writings-Introduction-ebook/dp/B08BCCT6MW/ Resonant Arc on YouTube: https://www.youtube.com/channel/UCFzWAEPDGiY34bGpwM_DWmA How The Economic Machine Works by Ray Dalio: https://www.youtube.com/watch?v=PHe0bXAIuk0

To write the Chinese word for “crisis,” you combine elements of two different Chinese characters. One character means “danger” while the other one means “opportunity.” Translated into English, it means “opportunity riding on a dangerous wind.” Let’s discuss how some of these crises might actually be opportunities, depending on your situation and perspective. Helpful Information: PFG Website: https://www.pfgprivatewealth.com/ Contact: 813-286-7776 Email: info@pfgprivatewealth.com Disclaimer: PFG Private Wealth Management, LLC is a registered investment adviser. All statements and opinions expressed are based upon information considered reliable although it should not be relied upon as such. Any statements or opinions are subject to change without notice. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investment involve risk and, unless otherwise stated, are not guaranteed. Information expressed does not take into account your specific situation or objectives and is not intended as recommendations appropriate for any individual. Listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance. Transcript of Today's Show: For a full transcript of today's show, visit the blog related to this episode at https://www.pfgprivatewealth.com/podcast/ ----more---- Marc: Time for another edition of the podcast. Thanks for hanging out with us as we talk investing finance and retirement here on Retirement Planning - Redefined with John and Nick from PFG Private Wealth, and we're going to talk about when crisis meets opportunity here on this episode of the podcast. But first I'll say hi to the guys, and then we'll dive into what that means. What's going on, Nick? How are you?   Nick: Oh, doing well, doing well. It's been a really busy start to the year. People are anxious to kind of check in and go over things and all that kind of stuff, so we're enjoying catching up with everybody and just kind of walking them through where we are and how things are going.   Marc: Good. Yeah. As the first quarter winds down, I imagine that's the case. John, what's going on with you, my friend?   John: Oh, not too much. As Nick mentioned, just a very busy start to the year, so yeah, get in touch with everyone has been good. And I think the last time we said the weather's starting to warm up around here, so we have two or three months of some really nice weather, then it's going to get scorching hot. So just try and enjoy the nice 70s to 80s for the time being.   Marc: There you go. Exactly. Well, so what we're talking about this week here on the podcast is some people view certain things that are going to happen to us in retirement, or that happen to us in general, when it comes to our financial lives as a crisis, and other look at it as an opportunity, right? So I'm going to give you guys a couple here. I'll let you guys expound on those based on what you see or what you do, and we'll just discuss some of these ways that these crises, if you will, might actually be an opportunity, a good way for you to look at it, maybe change your perspective just a bit.   Marc: Now, John, I know we're in totally different spaces when it comes to this, you and I, but I am an empty nester. I've been one now for, well, actually about two and a half years going on three years. But for some parents the idea of empty nest is a very joyous one. My wife and I were pretty surprised at ourselves. We were like, "Sweet. We love her, but bye, do your thing, have a good time." And for others, obviously, there's a very sad attachment and sometimes they have trouble with it. But from a financial standpoint, what's some things to think about here?   John: Some of the things you can think about is definitely your cash flow. I would assume for the most part is now you have a little extra cash flow. So from a financial standpoint, I think, in the last session we talked about in the 50s having a little bit extra money to save.   Marc: Right.   John: We see that quite a bit when kids are out of college. You're no longer paying for college bills. Your electricity, water bills, maybe gone down a little bit.   Marc: Cell phone.   John: And the big one is groceries.   Marc: Groceries.   John: That really shot down for certain people here, and it really gives you an opportunity to either save some more for retirement or go on some more vacations and travel, you know?   Marc: That's a good point. Nick, I wasn't trying to leave you out there, but I know that you don't have any little ones yet, so I just was getting John's take on that. What do you see though, from a planning aspect?   Nick: Yeah, it's interesting because we almost see this happen in kind of like two phases. So, for a lot of our clients, the first phase is when the kids go away to school. It's kind of like ... Or even from the standpoint of when the last kid goes away to school, so there's that period of time where they're away at school, but they'll come home on breaks, and maybe during the summer they stay at home, and so there's a little bit of adjustment. But while they may not be at home, they may still be on the payroll per se?   Marc: Right.   Nick: And then there's that kind of full shift into, all right, they're gone, they're off the payroll and what now sort of thing. And for some, depending upon the age that they are, that's where grandkids may come into play. And so there's a little bit of a transition where maybe you're watching the grandkids a couple of days a week, and people tend to kind of like having some sort of interim between they're being a crazy household versus an empty household.   Nick: But really that recapture of money that was being spent, saving it, putting it away, so that's one of the most effective tools I would say that we have to kind of help people with this process is if we're able to show people. Maybe they're somewhere from five to eight years out from retirement and it's like, "All right, our expenses have dropped by a thousand dollars a month with the kids kind of shifting out of the house. We had originally planned to retire at 65, but if we save this thousand dollars a month, is there a chance that we could retire at 62, 63, 64?"   Nick: And so, kind of going through a planning process and showing them like, "Hey, yeah, in some cases, if we can recapture those dollars, if we can put that money away, we can get you into that next phase of life a little bit quicker." There's a huge relief for many people that comes with that where there's less ... Even if they are going to continue to work, knowing that they may not necessarily have to work, there's a huge kind of mental relief that we see in people. And so I've seen that really alleviate some of that mindset change quite a bit.   Marc: Gotcha. Yeah. And so whether you view the empty-nest syndrome as a crisis because you're like, "What are we going to do? We're all by ourselves." And maybe it's a standpoint of you got to spend more time with your spouse. It's just the two of you. Who knows what your viewpoint is? But at the same time, you could look at it as an opportunity to maybe put away more for retirement, whether it's they're half off the payroll, completely off the payroll, to both of the guys' points here. So try to find the opportunity in that versus necessarily the crisis.   Marc: All right, so let's move to the next one, guys, and that is market downturns or market crashes. You know, obviously they're going to be stressful no matter what happens. I mean, just what we saw a year ago now last March with the downturn due to the pandemic. And so I get where the crisis can come into play, so what some things to think about in the event that we want to try to turn that mindset into more of an opportunity?   John: Yeah, so when we have downturns in the market, a good opportunity is really buying into it. It's like you have a store that's going out of business and they have their going out of business sale and you kind of jump in there and see what they have that you can get at a very discounted price. Same thing with stocks.   John: I mean, just to give an example of one, and I kind of use this in the class, because I feel like I'm always there, is Disney. Their stock dropped quite a bit last March when we started to shut down, and that was a great buying opportunity if you had some cash on the sideline to take advantage of it, because it's really skyrocketed since then. And I'm just using Disney as an example. There's a lot of other ones as well that we can discuss, but you know, if you're ... position yourself to really take advantage of a market crash, you can really put yourself ahead and when the things rebound. So, there's definitely some opportunity in market crashes.   Marc: I think people sometimes immediately latch on to the paranoia side of it. But if you had a good plan in place, it might not feel as much of a crisis, I guess.   Nick: You know, one of the conversations that we'll have with clients as they do shift into retirement, for those that may be a little bit skittish about the market in general, or if we have concerns that some market volatility will kind of derail them from their plan, just maybe overall that the market stresses them out a little bit, what we'll do is kind of figure out. Like, "Hey, how many months of expenses will make ... If we hold X amount of months in cash to cover expenses, will that put you in a place where you'll feel comfortable?" Because with a crash there's two parts. Number one is to not bail and to cash out at a loss. Number two is if you have cash handy to put that cash, like John said, and enter it into the market and take advantage of the upside. It can be significant.   Nick: So for clients that are fully retired, being able to have some of that cash set aside to be able to take advantage of opportunities, and also prevent them from acting in a way that is not good for them longterm can be important. And for those clients that are actually still working and still actively saving into accounts, saving on a monthly basis or on a consistent bi-weekly basis helps, whether it be [inaudible 00:08:23] cost averaging is what a lot of people know it as, helps you buy in at times when the market's low or at a discount, once it bounces back, you can really bounce back in a significant way, and make a difference.   John: Yeah, So another opportunity you can do in a market crash is really do some Roth conversions on IRA assets.   Marc: Good point.   John: So what you would do is ... And I think we've discussed this in kind of one of our last sessions. But now that this has come back up, it's probably a good time to bring it up again, is if your IRA balance drops, that could be a good opportunity to convert it and pay less taxes on a lower balance at that point in time.   Marc: Okay. All right. Certainly some good points to think of, and again, we're trying to show some areas, silver linings, if you will, where something might feel like a crisis or seem like a crisis, but maybe there's an opportunity there to be had. And of course, a lot of that comes down to, as I mentioned, just having a good plan in place that'll help you alleviate some of those feelings because you'll know what to expect as you're walking into some of these scenarios.   Marc: Number three, guys, maybe a little bit tougher, obviously, to plan for, but still something that has to happen. And this is one that I think just gets avoided mostly because people are afraid to talk about it, but it's long-term care, and maybe that's the crisis is the continual rate hikes or something like that.   Nick: Yeah. With clients that have long-term care policies, we try to make sure that we explain, and when we do our classes, we walk through this section. We try to make sure that we explain so that they fully understand that premiums for traditional long-term care policies can go up, and anybody that's really purchased a policy in the last decade is really starting to see that now. And so, those policies do have what are called non-forfeiture options, so they have the ability to either keep their premium the same and reduce benefits, or pay more and keep their benefits the same. And we really try to take it on a case-by-case basis, but it's important to take it into consideration and understand because it is absolutely a factor that can impact the overall planning, and is just really another reason that when you're planning for expenses for clients, building in buffers on expenses and making sure that the plan works well, this is an important space to make sure that you cover.   Marc: Yeah, certainly some good points. And sometimes maybe it's just a good reminder, a kick in the tush that we sometimes need, to just look at some of the things we're a little bit afraid of addressing. And nobody likes thinking about it, but it is part of life, so it's certainly worth having a conversation.   Marc: One more here guys, and that is the crisis, and we saw this obviously a lot in the last 18 months or so of downturns, getting laid off, in this case, whole industries really suffering due to the pandemic. It's certainly going to be tougher to look for opportunities there, but from a retirement standpoint, and we're not necessarily talking about people that are in their 20s or 30s or 40s, but from a retirement standpoint, any things we can try to find here to turn that into an opportunity? Maybe getting laid off early, the first thing that would pop into my mind is that if you had a good plan in place, you'd be able to know if that's necessarily a bad thing or a good thing. It might just be saying, "Okay, well, it's time for me to go ahead and retire and I know I'm going to be okay."   John: We've seen that situation's come up recently where we've had clients laid off and it's like, "Hey, Nick, John, let's get together to do a meeting." And in the meeting, it's, "All right, let's look at how the plan looks without you working currently," and we find out it doesn't look as bad as they thought, and it kind of makes them feel a bit better about their current situation.   John: We've also had some other scenarios where maybe it doesn't look great, but it's, "Hey, you don't need to go work full time anywhere. You can go find something that you enjoy to do and maybe work part time and the plan still looks solid." So, that's something to just keep an eye on is if you are laid off, you don't necessarily need to get back to the income that you were making before. Maybe you can now go do something else that maybe you enjoy more or a second career, and maybe at part time, your plan still works. And that's where it's important to plan ahead and make sure that you have the ability to make decisions and be able to monitor those.   Nick: Yeah, I would add, in reality for somebody that's within a couple of years of retirement, the money that they are going to save in those years, if they've done pretty well up until that point ... So, let's say for example, somebody is planning on retiring at 65 and they get laid off at 63. Well, the money that they were going to save between 63 and 65 wasn't going to have a huge, huge impact on their overall plan and make it rapidly improve. However, not having to dip into the money that they've saved in those couple of years will be important. So kind of along the lines of what John said, it's like, "Hey, if we can ..." We'll go through the plan and say, "Maybe you're used to making a hundred grand a year, but if you can find something making 40 or 50 that can help you avoid having to dip into your accounts, let your accounts to continue to grow, and even if you can't save for these next couple of years, it lets you hold the line, that can be really a win-win and make an impact."   Nick: So between that and kind of sticking with the fundamentals of trying to make sure that you have six plus months of expenses in cash and really kind of the tried-and-true things from a planning standpoint, can help people get through that. And we've also seen people kind of have a sense of relief where they were getting burned out at work. They weren't really happy there anymore. They didn't realize how much it was taking out of them and just literally a month or two to regroup kind of refreshes them, and they end up in an opportunity that's a lot better than the one that they were in anyways.   Marc: Yeah. Some great points for sure. I mean, try to find that opportunity in it. Maybe if you're lucky enough to have a position where a pension was involved, maybe they've offered you a lump sum buyout, whatever the case is, or the monthly. So, it's worth having those conversations to find out where you stand, because it may not be that crisis that you initially thought it was.   Marc: But it's the gut punch when you first find that out, sure. But if you've got a plan in place or you go and you find out and you have those numbers run, you may certainly find, to the guys's point, that you could be in better shape than you realized. And it's interesting that the way you guys phrase that, because my brother's actually right there now. He's 63 and he's going to be ... They're going to be closing up the business here that he works for in the next couple of months. And so he's at that cusp as well, and he's like, "Well, I'm going to take a look at my numbers again." And so he sat down and talked with his advisor, and he's like, "I think I can just go to part time," to John's point, "and just do some things that I want to do now." There's a couple of little hobby ideas he's been thinking about doing.   Marc: So you never know, right? You got to look for the opportunity where you can. And it's hard to sometimes not focus on the crisis, but with a good strong plan in place, that'll certainly help you do that. And that's kind of the whole point. That's one of the reasons we do the podcast is to shine some light on some areas to think about that.   Marc: And you've been listening to Retirement Planning - Redefined. Stop by the website at PFGprivatewealth.com. Check out the guys there. A lot of good tools, tips, and resources. You can contact them to come in for a consultation or review or talk about your situation. You can find the podcast there, subscribe to it that way, or drop us an email here as well on the program. And we've got one this week we're going to wrap up with. Jane has a question for you guys. She says, "It's about 401k funds. If I don't use the target date retirement fund, is there a certain number of funds that I should allocate within my 401k? I don't want to under or over diversify. Is there a right number of funds or does it really just depend?"   John: Our answer to almost everything is, "It always just depends." It sounds like Jane, she's not doing the prebuilt kind of option, which is the target date, and is looking just to really build her own portfolio, which is fine. But it's really more important as far as how many funds you have to get into the right asset classes. So, 401ks do a really good job of making sure that you have a lot of different asset classes to choose from. And when I say asset classes, large cap, small cap, bond funds, international, that's the way you want to diversify within a portfolio.   John: It really comes down to your risk tolerance, which again, with the 401k platforms, they typically have a questionnaire for you when you sign up or on the website. And then once you determine that, I'm just throwing it out there, if you're moderate, then you're going to want a certain mix of those asset classes to make sure you have a good portfolio for you. Easier said than done, so it's really important to work with a financial professional to make sure that you have the right number of funds and you're diversified in the right asset classes for your situation.   Marc: All right, there you go. Thank you so much for the question. We certainly appreciate it. And you know, every situation's a bit different. There's universal truths to apply to all of us, and that's one of the reasons, again, we do the podcast to share some of those things, but every situation can be uniquely different when it comes to retirement planning. So, reach out to the team and give them a call if you have some questions at (813) 286-7776.   Marc: Don't forget to subscribe to us at Retirement Planning - Redefined on Apple, Google, Spotify, iHeart, Stitcher, so on and so forth. You can find all the information at PFGprivatewealth.com. Guys, thanks for your time this week. I appreciate it as always. John, have yourself a great week. Nick, you as well, my friend.   Nick: Thanks, Marc. Thanks.   John: Have a good one. Thanks.   Marc: We'll talk to you a little bit later here on the program. This is Retirement Planning - Redefined.

“We're now democratizing local food. Anybody can get this, anybody can shop this way and we can deliver it to the door.”    Nick Carter (14:54-15:01)   Nick Carter, fourth generation farmer, author of “More Than A Mile: What America Needs From Local Food”, and co-founder and CEO of Market Wagon is on a mission to connect “agra” with “culture” so we can bring back the connection we're missing and fabric that holds us together with food.   Market Wagon is an online “farmers market” connecting food consumers directly with local farmers and artisans. It's a direct to consumer portal and online community where you can buy specific foods from vetted artisans and farmers in your area. On top of being able to purchase produce, meat, dairy, eggs, prepared foods, baked goods and snack foods from those local to you, you can communicate with them too! Just like when you walk around a farmers market and you chat with vendors at the booths you walk up to, Market Wagon gives you that same opportunity.   “So much socialization takes place around food. So much community is built around food and we lost that and didn't know it and we're trying to restore it.” Nick Carter (10:22-10:35)   Before Market Wagon, Nick created a startup called Husk, which he also calls one of the biggest failures in his repertoire. Although Husk looked successful on the surface by helping local farmers build a community of local suppliers to get into grocery stores, they started to find out the grocery stores weren't such a fan of this idea. These grocery stores didn't want to change how they sourced food, they just wanted to have a few, local items they could showcase on a marquee.   Some of our greatest failures lead to our greatest successes, which is why Husk inspired the start of Market Wagon. All it took were 12 customers to order online and come pick up their goods for Nick to know he was on to something. A few months later because of the customer demand, Market Wagon started offering home delivery. Today, the company has 24 locations (soon to be 50) with over 1,000 vendors and tens of thousands of customers.   The whole mission behind Market Wagon is to reconnect “agra” and “culture”. Over the last 20-30 years, we've been a period called the industrial food complex. When food was industrialized and turned into a consumer good that is manufactured “somewhere out in the world” that people purchase and eat just for calories, we lost the true meaning of food, which is a fabric that holds us together.   But wait, are all the farmers and artisans on Market Wagon really local? Yes, and Market Wagon ensures this because sellers actually have to appear at the Market Wagon facility with their food or products so Market Wagon can deliver the orders. Not only does a seller have to be local to Market Wagon geographically, but they have to participate in the online communication.   Market Wagon considers someone local to you, the consumer, if you could actually visit their farm or see them at a farmers market and get to know them. If a seller is a part of a giant factory or production, they're not a fit for Market Wagon. A local artisan selling baked goods where you, the consumer, can get to know the person behind the food online (or in person) is who Market Wagon hosts on their marketplace. Market Wagon has also doubled down on efforts to help support chefs in converting some of their menu items into heat-and-eat prepared meals, or create build-your-own recipe meal kits.   “You can follow your favorite farmers and then you can receive updates from them. We're building a community because that connection is what food is all about.” Nick Carter (9:19-9:28)   Even though 44 million people currently have access to Market Wagon, the goal is to be available from coast to coast over the next few years. More and more people have a need to stay home and not visit the grocery store, let alone a farmers market, as often. Nick encourages you to not only purchase products and produce off of Market Wagon, but to connect with the farmers behind them. As Nick says, they love to talk about what they do and build a relationship with you, the consumer, so he suggests asking them questions like, “how did you produce this?” or “do you use chemicals or synthetic fertilizers?”.   Lastly, Nick recommends you try your hand at growing food yourself! Even if it's just a pot of tomatoes or cilantro on your apartment balcony, by growing something edible you're going to use in your kitchen, it'll give you appreciation and gratitude for our farmers, the work they put in and the risks they take to feed us all every day. How to get involved Join The Produce Moms Group on Facebook and continue the discussion every week!  Reach out to us - we'd love to hear more about where you are in life and business! Find out more here.    If you liked this episode, be sure to subscribe and leave a quick review on iTunes. It would mean the world to hear your feedback and we'd love for you to help us spread the word!

Griffin purchased a 40-year-old lens on eBay, the popular Helios 44-2, known for its “swirly bokeh.” As Nick describes the effect, “Very strange. I almost don’t like it!”

As Nick is getting ready for his OCS exam, Bob and Nick share some patient cases. Enjoy!

1. This morning, the major stock indexes are starting out with a strong upside rally. In fact, when the futures opened up on Sunday night they were strong. The financial media is telling us that the pullback in the 10-year U.S. Treasury Note yield is the catalyst for the rally. This might be true today, but then does it mean that the market will rollover when yields start to move higher again? After all, yields got stretched and overbought last week, but after a pullback the pattern suggests yields are going a lot higher. So take everything in stride, don't get too excited one way or the other. Take things in stride, let the charts play out and don’t get too excited on the up swing or the down. Things take time. Ebb and flow. 2. Nick doesn’t see 10 year dropping much now and sees them heading higher. There’s a lot more upside. Nick’s been in and out of that trade for a long time. Nick said last March that yields have bottomed when they hit .39. Now we hit 1.6. Ultimately, they’re going higher. 3. As Nick has been promising, gold hit low $1700’s meaning a tradable bottom is in place. We’ll be getting regular updatesGold/Silver small uptick in gold, GLD up and futures as well. GDX up a bit. Silver up as well. Nick is invested in the gold miners and paper gold. The big decline is in so the risk is lower. There’s always risk, but the odds are favorable now.

In this week's teaching episode of Into the Pray, Nick takes a slight detour into the pages of Ephesians 5 before digging into our next chapter (7) next week. How poor is the professing church's understanding of marriage? How poor is the teaching? As Nick explains in this episode, referring back to experiences in a mega church in the UK, the general lay of the land is exceedingly poor and it wouldn't be right to dive straight into chapter 7 of 1 Corinthians without first setting out our stall on this signature part of our callings, as those who are heralding the preparation of the Bride for the coming Bridegroom King. What is the role of the media in normalising that which is anti-God?... that which is anti-Jesus?What is the theological answer? Have you softened on some of this stuff when actually what God is calling you to be is sharpened and prophetically so?We would do well to ponder these realities before going through the door of 1 Corinthians 7. You can find Piper's book, This Momentary Marriage, here. You can read Nick's primary blog post on marriage from 2013 here. If you would like to help support this podcast and the wider work we're pioneering, we would be very grateful as we increasingly find ourselves at capacity in more ways than one. You can give here. You can also view our review of 2020 in vlog form by clicking here. Finally, here is a song that we have been comforted by in recent stormy days.Come, Lord Jesus!LoveN&M x

As the Prime Minister sets out his roadmap to ending the Covid lockdown we get reaction from Dominique Frazer, Founder of the Boileroom, a music venue in Guildford, and Hamish Moseley, Managing Director of an independent film distribution company Altitude Film Entertainment, and ask if this offers them enough information to start to plan for the year ahead. Radio Wales DJ Huw Stephens discusses is three part documentary, The Story of Welsh Art, which looks as visual art in the country more associated with poets and singers. As Nick, a prequel to The Great Gatsby is published, we speak to it's author Michael Farris Smith on why the rather retiring character Nick Carraway deserved a backstory and Professor of Literature Diane Roberts joins to discuss the appeal of the genre. Presenter: Tom Sutcliffe Producer: Simon Richardson Main Image: Huw Stephens holding a painting by Richard Wilson called Snowdon from Llyn Nantlle. Credit: BBC

On this week's 20-min podcast, Phil and Nick expose the failures of our elected officials to properly serve their consituents, and how more than 50% of the nation agrees according to recent polling. As Nick points out, if you think this is because of Biden or Trump, think again... ||| Weekly term limits variety podcast hosted by Philip Blumel and Nick Tomboulides of U.S. Term Limits. Produced by Duke Decter

On todays Bachelor Recap we are joined by  Bachelor Super Fan, Jordan Weiss, the creator of Dollface on Hulu.  As Nick and Jordan start to break down this episode they begin with the strained “two on one” between MJ & Jessenia before moving on to their biggest issue, why Abigail has yet to receive a one on one date. They talk Katie and the role she has played on the show and her vibe during the Tyler C prank date, Heather’s arrival and how they think that will play out, and finally if they think there could be any kind of “naughty energy” that will come over any of the women.   “It was like a pre- battle ritual.” Please make sure to subscribe so you don’t miss an episode and as always send in your relationship questions to asknick@kastmedia.com to be a part of our Monday episodes.    THANK YOU TO OUR SPONSORS:   Proper: http://www.getproper.com use promo ode VIALL for 10% off your first order  Article: http://www.article.com/VIALL to get $50 dollars off your first purchase of $100 or more.  Bev: http://www.drinkbev.com/VIALL use promo code VIALL to receive 20% off your first purchase. PLUS FREE SHIPPING on all orders. Helix Sleep: http://www.helixsleep.com/VIALL for up to 200 dollars off all mattress orders AND two free pillows Episode Socials:  @viallfiles @nickviall @jweissy See omnystudio.com/listener for privacy information.

We're lucky enough to have Nick joining us again! Tis the season to dry out after the many cocktails consumed during the holidays. As Nick says in the podcast, Covid 19 caused a lot of drinking to start and 2021 is the perfect time to reset our livers. Listen as we discuss two non-alcoholic beers and two mocktails.

Season 1. Episode 37. You’ve got the Avengers, and your Justice League Heroes but did you know we’ve got some sake superheroes too? This week John and Tim interview Sakeman Red a.k.a Nick Matsumoto. Nick is part of team Sakeman, who describe themselves as “A team of athletic, sake superheroes who import their own brands and educate the masses!” Nick first connected with the Sakeman group through his love of judo. The first thing you’ll notice about the Sakeman group is their use of iconic and custom made luchador masks when presenting their stellar sake portfolio of sake from premium producers all around Japan – so their stuff is legit. . As Nick explains in our interview, the masks help draw attention to sake and start the conversation! Or the masks draw an invitation to wrestle! However it turns out, Sakeman is all about good sake. Thanks Nick for taking the time to teach us to work hard, train hard and drink hard!

Nick Heitz from Twitch discusses how enterprise advertisers use branded content to influence consumer perception. The most effective campaigns were omni-channel platform first strategies where one piece of creative is customized for each platform where that messaging lives.  Nick believes the trend will be for brands to move to subscription models to learn more about their customers and to build their own value - rather than building audiences on other platforms (social media). Creator and community driven platforms - Pelaton, TikTok, Twitch - have a much stronger value proposition to their customers and their advertisers.  Quality advertisers are trying to add to the platform’s experience and audience - rather than to absorb people’s time or disrupt them into taking action. As Nick says, “Meet your consumers where they are, rather than interrupting them.” 

The boys are back in town with the last Spooktober Episode. Pedro flies in with an itchy beak and squawks us through consciousness. As Nick summons his inner BIll and uses his frequent flyer miles to preach the psychadelic renissance. They talk played out docu-series, getting double bounced by diabetic Mike into 2021, and disconecting from “reality”. Thanks for Listening! Amor y Paz!! - SoundCloud- https://soundcloud.com/user-304038354 . Instagram- https://www.instagram.com/whodoyouthinkyouarepod/ . Google Play- https://play.google.com/music/listen? . YouTube- https://www.youtube.com/channel/UCtHmqXUvzJuz2EkZpVhrwpg? view_as=subscriber . Spotify- https://open.spotify.com/show/0XWBmBY3HN5b6hbJpF4NTU?si=BtJeozAhSCmfVAIErf2fsg . Twitter-https://twitter.com/Whodoyoupodcast .

Nick continues his discussion with trainer, coach and Realtor® Bill Steinke, this time on the topic of staying relevant in the real estate business. Bill says understanding the market is key to bringing value to homebuyers and sellers — analyzing data, staying abreast of prevailing expert opinions and leveraging educational resources, for example. As Nick observes, Realtors® can show their value by bringing something to consumers that they can't Google. Part 2 of 3 with Bill. Host" Nick Bejelis. Producer: Jerry Johnson.

Seth Morales is the CEO of the Morales Group, and he is passionate about the process of building something from nothing and doing it with purpose. He describes the Morales Group as a cause disguised as a company, and lives each day with the knowledge that businesses don’t grow, people do. He lives out the Zero Excuses lifestyle as well as anyone.  However, on this episode of Zero Excuses, we are flipping the script. Instead of Nick doing the interviewing, he’ll be on the hot seat while Seth asks the questions. Why? Because you, the listener, wanted to learn more about why Nick is so dedicated to the Zero Excuses mentality and how he lives out the mantra on a daily basis.  As Nick shares his story–and turns a few questions back on Seth– you’ll gain valuable insights while continuing to hold Nick accountable as we make Zero Excuses together. After You Listen: Connect with Seth: https://www.linkedin.com/in/seth-morales-8289943/ Connect with Nick: https://www.linkedin.com/in/smarrelli/ Learn more about GadellNet Consulting Services: https://gadellnet.com/

As Nick takes the week off, Noah Randolph, our teaching pastor, teaches on the importance of living the Christian life among our non-Christian friends. Scripture: 1 Peter 2:1-5

Episode Notes Subject: Beast Wars: Transformers Guest: Tony Sermuksnis This week, Tony Sermusknis brings this computer animated show to the table. As Nick and Tony revel in childhood memories, David struggles to remember more than 5 characters from the show. Is this show as exciting as we remembered it to be, or has the janky animation lost its charm? Find out more at http://hitmeonemoretime.com This podcast is powered by Pinecast.

Episode Notes Subject: Beast Wars: Transformers Guest: Tony Sermuksnis This week, Tony Sermusknis brings this computer animated show to the table. As Nick and Tony revel in childhood memories, David struggles to remember more than 5 characters from the show. Is this show as exciting as we remembered it to be, or has the janky animation lost its charm? Find out more at http://hitmeonemoretime.com This podcast is powered by Pinecast.

In this episode of the Bare Performance Podcast, Nick Bare talks about turning 30 years old this year. As Nick gets older he constantly works to gain a greater perspective on the world, topics, discussions and others opinions. Listen to Nick talk about gaining a greater perspective and what that means for his life, business and goals. Bare Performance Nutrition: https://www.bpnsupps.com Nick's Instagram: https://www.instagram.com/nickbarefitness BPN's Instagram: https://www.instagram.com/bpnsupps  

As Nick heads into a busy week with the 7th district convention taking place on July 18th, Nick catches up on a few submitted questions from his YouTube channel.  Support this podcast

We said we'd be back, and here we are. As Nick and Alyse get settled into their new place, they've been catching up on Archer, Pokemon, and indie game Outer Wilds. Meanwhile, Alex delves further into Anime with Kaguya-sama: Love is War. Mostly, we just want to catch up after so long. Nick (He/Him) Alyse (She/Her) Alex(She/Her) Some nerds have a podcast is exactly that, a podcast by some nerds, Nick, Alyse, and Alex. In it, we discuss nerdy media such as video games, movies, TV shows, and perhaps even a webcomic or two. Super original I know. But, if you're into that kind of thing, maybe give it a listen. "Pixelland" Kevin MacLeod (incompetech.com) Licensed under Creative Commons: By Attribution 3.0 License creativecommons.org/licenses/by/3.0/ "Doobly Doo" Kevin MacLeod (incompetech.com) Licensed under Creative Commons: By Attribution 3.0 License creativecommons.org/licenses/by/3.0/

Nick's show is part of the Sportmen's Nation Podcast Network. "From Field to Fork", there is an art to hunting, fishing, and serving it well - good for the soul and the stomach! As Nick would say “Our aim is not just use it, but celebrate it. No egos, no status, just pursuit of natural protein and a love for wild creation.”The Huntavore Podcast from the Sportsmen's Nation Podcast NetworkQDMA Field to Fork Program for adults from a non-hunting backgroundQDMA Contact: Josh Hillyard at jhillyard@qdma.com

We spent last podcast talking about what exactly a Roth conversion is. Today we will examine a financial plan and see how implementing Roth conversions can potentially improve this situation. Case Study Before Implementing Strategy:Dual income Household: Ages 55 & 53 Existing Accounts:$500k Pre-Tax 401k Funds$25k Roth IRA Funds$50k CashMortgage on the home – paying extra on mortgage ($250/m) (5% rate on 30 year loan, 10 years in)Income:Person 1: $110kPerson 2: $60kCurrent Savings strategy:Total Joint Savings 18% of income ($30.6k/yr.) – all into pre-taxEach person has 3% company match for pre-tax ($5.1k/yr.)Total being saved: $35,700EE Contributions: $30,600ER Contributions: $5,100 New Strategy:Refinance Mortgage to a 15 year loan with significant reduction interest rate lowers total monthly payment, allows for $250/m extra payment recapture & additional $150/m savingsNew Total being saved: $40,500401k EE Contributions: $21,400Pre-Tax: $15,900Roth: $5,500401k ER Contributions: $5,100Roth IRA Contributions: $14,000Person 1 strategy: EE Total: $23,600, ER Total $3,300EE Pre-Tax 401k Contribution: $11,100 (10%)EE Roth Contribution: $5,500 (5%)ER Pre-Tax 401k Contribution: $3,300 (3%)Max Roth IRA: $7,000Person 2 strategy: EE Total: $11,800, ER Total $1,800EE Pre-Tax 401k Contribution (No Roth Available): $4,800 (8%)ER Pre-Tax 401k Contribution: $1,800 (3%) Helpful Information:PFG Website: https://www.pfgprivatewealth.com/Contact: 813-286-7776Email: info@pfgprivatewealth.comFor a transcript of today's show, visit the blog related to this episode at https://www.pfgprivatewealth.com/podcast/Transcript of Today's Show:----more----Marc: Hey, gang. Welcome into another edition of The Retirement Planning Redefined Podcast with John and Nick from PFG Private Wealth. Mark Kelly in here along for the ride as we talk investing, finance and retirement with the guys. And this week, actually, we got sort of a follow-up to our prior podcast. We're going to talk about implementing ... Really a case study about implementing Roth strategies into your plan, some things to think about there. Again, if Roth conversions are on your mind, this is a great podcast for you. And as always, if you've got questions or concerns, let the guys know. Reach out to them at PFGPrivateWealth.com. John, what's going on this week, man? How are you? John: I'm good. I'm good. Nick still hasn't taken me up on that race offer, but I picked up some yoga in the meantime. Marc: Oh, okay. John: So, I'm doing well. Marc: All right. So rowing and yoga. After a couple of weeks, you should be lean and mean and you should be ready to roll. John: I'm trying. I'm trying to get in shape for when I go back out in public. Marc: Did you get the quarantine 15? John: Yeah. A lot of Oreos eating over here. Marc: Oh, yeah. I hear you. Nick, how are you doing, bud? Nick: Pretty good. Pretty good. Yeah, John's definitely going to have to spend a little bit more time rowing before he can catch up. I've got a month head-start on him. Marc: Oh, okay. Nick: And luckily, the irony for me is because I've been forcing myself to get out I've actually been losing weight, which is kind of nice. Marc: Oh, nice. Nick: And going out to eat a little bit less. It's funny when you see what kind of difference that makes, for sure. Marc: Yeah. It really does. And everybody has their vice. Oreos, as John was mentioning. Everybody's got their vice. Yeah, during the quarantine, in lockdown, I certainly was no stranger to my own vices as well. And I was like, "Yeah, this isn't good. I'm getting fat." Not happy about it so I'm right there with you, John. Wasn't Oreos but just as bad. Marc: Anyways, let's jump into our topic this week and talk about this case study, really, and ways it helps you see implementing how a Roth conversion may or may not work. Nick, take it away. Give us a quick breakdown on what this is and just walk us through it. Nick: Yeah. What we wanted to do with this session is kind of mix it up a bit where ... One of the things that we found just communicating with people, especially in the classes that we typically do is when we walk through almost a little bit of a case study and give a sample example of a household, what they have in assets, what they have in income, how they're currently saving and the things that we can do with pretty minor changes within the structure available to really try to improve their overall situation and planning. Nick: The scenario that we had put together was a dual-income household, ages 55 and 53. Marc: K. Nick: And their existing accounts were pretty heavily dominant to the pre-tax side. Half a million dollars in pre-tax 401K funds. They had about $25,000 in Roth accounts, $50,000 in cash between checking and savings, 30-year mortgage ... About 10 years in to a 30-year mortgage. And they were paying an extra $250 a month towards the mortgage to try to get it paid down. Nick: One of the most common questions that people have when they come in to see us or come into a class is, "Hey, I'm saving. I'm doing a good job with saving. But am I saving in the right area? Should I be paying this extra money towards the mortgage, et cetera?" The breakdown in income was person one, $110,000, person two, $60,000 of income. So, total household income of about $170,000. And the reality is that both of them were getting a company match into their 401K and they were saving ... Between the two of them, they're saving essentially 18% of their income but they're putting it all into pre-tax accounts. The Roth accounts that they have on their balance sheet are essentially accounts that they've had for a long time. They funded it early on and then at a certain point they got phased out because they made too much in income. Nick: Their main question or, I should say, potentially goal when they came to us was, "Hey, again, we have a good income. We're living comfortably. We live within our means. We save a good amount of money. But are we doing it the right way?" One of the first things that we did was evaluate the mortgage and, really, what we've seen in John's work on these quite a bit with a few different clients is that mortgage rates have obviously dropped in the last .... These clients were 10 years in so mortgage rates have dropped. And they went ahead and spoke to their credit union and they were able to refinance. One of the things you always want to look into is try to keep down closing costs, et cetera. And they were able to reduce the payment. Nick: And so, really, with rates where they are, they were able to go from having 20 years left on their mortgage to refinancing to a 15-year mortgage, which is something that they felt much more comfortable with. When we discuss mortgages, we always have the conversation of pure finance decisions versus a comfort level as well. They were able to reduce their monthly principle and interest payment by $150 a month over their 30-year. Essentially, what we're able to do is we're able to recapture the $250 a month that they were paying extra towards the mortgage to try to shorten it, take five years off the mortgage with the refinance and save an additional $150 a month. Really, we've got a $400 a month savings plus we shaved five years off the mortgage automatically. The goal being how do we redeploy that money? Nick: John, any tips for people when they're looking for refinancing on the mortgage and some things to look into? John: Yeah. One thing, you just want to analyze what the rates are, what you're currently at. I know a lot of people use the rule of thumb of basically if you can lower it by one percent it might be a good idea to at least look into it, and that's where we start is look into it depending on what rates are and what your current rate is and then work with an advisor or some type of mortgage specialist to evaluate exactly, does this make sense for me? A decent website just to see where rates are at is BankRate.com. Just be wary putting your name into anything because we have had some people where they ... "I put my name into this. I'm getting bombarded with phone calls from everybody." BankRates is a good place to view but ultimately, you definitely want to work with someone and just figure out what's best for your situation. Nick: For sure. From there ... Again, part of the emphasis for us, and I know that a lot of our listeners and our clients have heard us talk a lot about the importance of balancing ... Trying to create some sort of balance or equity in portfolios from the standpoint of we want to diversify future taxation and current taxation. With this client, they were very heavy on the pre-tax. Half a million in pre-tax, only $25,000 in Roth dollars. Client one, essentially their plan at work allows for Roth 401K contributions where client two, their plan does not allow for Roth contributions. That's one of these things where sometimes households we've seen when there's a dual-income household they try to make everything even and it's not always the best strategy when we look at it from a global standpoint. Nick: The other thing that we've seen people not necessarily consider or quite realize or understand is that when their employer is making a match contribution for them, those match contributions are pre-tax contributions so there's additional money going in. Previously, for the household, they were contributing on their own about $30,000 a year into retirement accounts and they were getting about $5,000 a year of company contributions. And now, after the refinance, what we're actually able to do is increase the amount that they're saving. Nick: One of the first things that we'll look at for clients is the income test on whether or not they have the ability to contribute to an individual Roth IRA account. This household came in underneath the limits, which means ... And they're over the age of 50, which means that all of them are able to contribute $7,000 a year into a Roth IRA account. The benefit, obviously, of having an individual IRA account is that they're going to have some more flexibility on the investment options that they have and if they want to work with us and have us invest the money for them, they have that option. Whereas when they're dealing with accounts that are strictly held at their employer they're required to use the funds that are inside of there. Nick: Previously, again ... And I know it gets a little confusing in this sort of format, but essentially they were saving $30,000 a year pre-tax. Their employers were putting about $5,000 a year pre-tax. So, about $35,000 a year pre-tax into accounts and then another $3,000 a year into their mortgage, extra. Now what we've done is we've said, "Okay, we're able to recapture those dollars from the mortgage and the total amount that's going to be saved has increased up to $40,000 a year, which is a nice jump." That breakdown is going to be $14,000 between the two of them into Roth accounts, $7,000 each. The employer contributions are staying the same, so that's still a little over the $5,000. But client one, because they have access to both pre-tax and Roth options in their 401K, they're going to put a little less than $16,000 a year into the pre-tax and about $5,500 into the Roth per year. Nick: What we've done, in this case, is where previously they weren't putting any money into Roth accounts, they're not approaching $20,000 a year of Roth contributions that they weren't completely aware of how to be able to take advantage of that. And again, we think that that's a super important step to be able to build in diversification to not necessarily ... If a conversion down the road makes sense for them, they can do a conversion. But if we can do it up front, take advantage of the low tax rates that we are currently in in this current environment and not have to worry about future brackets from the standpoint of dealing with conversions, this is something that really allows them to start to build up their Roth funds. Nick: John, do you want to talk a little bit about ... From the standpoint of how we might adjust their actual holdings and risk allocation in a Roth versus the traditional funds? John: Yeah. One thing that you want to look at when you're looking at allocation, overall funds, it's typically ... And I say typically because everyone's situation is different. You want to be more aggressive or take a little more risk in the Roth IRA or Roth 401K accounts because that has more potential for growth so that gives you a little bit more, again, potential to have more money down the road in a Roth bucket, tax free. Nick: Yeah. We like to try to capture that upside, especially because when you look at it from the standpoint of the total amount of funds when you look at the overall nest egg, the money that's in the Roth is a lot less money so we feel a little more comfortable taking a little bit more risk with those dollars because it's a much smaller chunk of the pie. And then we dial back the risk on the pre-tax dollars because that's a bigger piece of the pie and try to create some balance. And for anybody that may have gotten tripped up with some of the details, because we know there are a lot of moving parts in this, we will have the breakdown in the show notes to be able to walk you through to check that sort of situation out; to see if something like that might make sense for you. Marc: Okay. All right. Absolutely. Definitely a little bit different this week on the podcast, but it's certainly and interesting way to take a look and see about how different strategies can be implemented into unique scenarios and help things along. As Nick pointed out, follow along with the show notes. They'll have a break down in there for you, as well, on that. And anything else we need to wrap up with this week on implementing this case study that we were talking about? Nick: I would say that the biggest thing is just for people to make sure that ... Again, where people will often times analyze the decisions that they're making from an investment standpoint is with the sorts of holdings they have and not necessarily with the types of accounts that they have. Just making sure that the methodology that you're using and how to save and put money into accounts is something that you're looking at and looking into, whether it's with your employer, asking, "Hey, do we have a Roth 401K option in our plan?" And if not, getting a few people together to try to push for something like that can really open up options for you. That sort of process is always important. Marc: All right. There you go. All right, folks. Great episode here this week on Retirement Planning Redefined. Hopefully you enjoyed this case study; a bit of a break down and look into implementing Roth strategies. Again, follow along with the show notes on the website. Go to PFGPrivateWealth.com, click on the podcast page. That's PFGPrivateWealth.com and then you'll see the podcast page. Click on that and you can follow along in the episodes. And, of course, subscribe to us if you have not yet done so on Apple, Google, Spotify; whatever platform you like to use for your podcast needs. And if you do have questions, if you do want to talk about a conversion or implementing a strategy, reach out to John and Nick. Let them know you want to chat by calling 813-286-7776. That's 813-286-7776, serving the Tampa Bay area. Get on the calendar, have a chat with them. Marc: Please, before you take any action you should always check with a qualified professional like John and Nick at PFG Private Wealth. And with that, guys, we'll say goodbye this week. Hope you guys have a great week. Stay safe, stay sane and all that good stuff. For John, Nick, I'm Mark. We'll talk to you next time here on the show and we'll see you later on Retirement Planning Redefined. 

As Nick & Jerry recover from their boozy weekend, they discuss the desire to not be Robocop, how Nicolas Cage makes everything better, and the viability of the DC Universe with the looming HBO Max set to debut on May 27th. Enjoy!!

The Hair Bros are a new crop of breakthrough hair artists to a watch out for in 2020. Over the last year I've been following two hairstylists based at Hershesons London, Nick Latham and Sean Paul Nother aka The Hair Bros. I'm a massive fan on how they've been creating brilliant and engaging content on their @thehairbros Instagram account. They know exactly what their story is and why this has been key to their growing fan base a far – both to the consumer and across the industry media. If you're looking to find your story or niche then this episode is one that will make you think about what you're creating and why! With a taste level in hair I personally love - undone loose texture effortlessly styled - they have been attracting clients from all around the world for their haircuts that so are good they take little styling. Social proof needed, many models and music artists such as Ellie Golding have become a massive fans of theirs, too. These boys are big news! Building their thinking on revisiting old past concepts and ideas surrounding not only hair, but the industry as a whole. As Nick and Sean say, "We are both constantly trying to run in the other direction of the industry, more so by accident, rather than intention." Like a wave, while the majority of the industry is crashing in and advancing up the beach, Nick and Sean are both pulling back, anticipating the next roll. I'm blown away by Nick and Sean's story that they are creating under the brand banner of The Hair Bros. This likeable and talented duo of Sean and Nick are certainly proving to be some of the hair industries most exciting breakthrough stars right now. Don't just take my word for it, listen in to learn why for yourselves.   Thanks for Listening To share your thoughts: Leave a note in the comment section below. Ask a question by emailing me HERE Share this show on Twitter, Facebook, or Instagram. To help out the show: Leave an honest review on iTunes. Your ratings and reviews really help and I read each one. Subscribe on iTunes. Follow on Spotify. Subscribe by Email. Special thanks to Nick Latham and Sean Paul Nother for joining me today. Until next Monday, Peace, Love and Smiles all the way… Goodbye  

Host: Brandon Johnson - Instagram Guest: Nick Segal - www.nicksegal.com About today's episode: On the show today I welcome Nick Segal. Nick is by far one of the most courageous people I know. For over the past 30 years, Nick has been thriving in the competitive Los Angeles Real Estate world, building and selling two successful companies for millions of dollars. Now at the ripe, young age of 58, he’s a new Dad with a new purpose. As Nick begins transitioning out of Real Estate, his focus has shifted toward coaching and being a strategist for some of the biggest names & companies out there. Each person who has worked with him has taken the ride beyond their comfort zone into the freedom that lives beyond the walls of conformity. His new book “On Your Terms” creates an execution strategy that instills self-confidence and a pure belief that your goal is absolutely attainable. We’ll also dive into his new video series, “The Exchange” plus get current on creativity in the midst of the Corona Virus pandemic. But rest assure, by the time we’re done, you’ll be feeling empowered, encouraged and hopefully inspired to create the life you’ve always dreamed of. This is…FULLY ALIVE.

The Red X Podcast presents a special panel episode to explore the effect of the Coronavirus Pandemic on human trafficking and the anti-trafficking community. Guests include Leanne McCallum from the Greater New Orleans Human Trafficking Task Force, Melissa Rueschhoff  who worked in Hawaii's AG office as an analyst/special prosecutor in the ICAC unit (currently working with policy and is the legislative attorney for a state representative in Hawaii), and Nick Lembo coordinator for the Just Men Arizona/Epik Project and Shared Hope International board member. This panel discussion focuses on how the Covid-19 pandemic and social isolation is impacting service providers, vulnerable populations, and demand.  Melissa says that anti-trafficking groups in HI have all had to shift from face to face conversations to online communication for their main service providers. Mentoring and education programs have gone online; instead of meeting in person or in groups discussions and check-ins have moved to online platforms to serve clients. Leanne also says that phones and online platforms are replacing client meetings. She says that social distancing has affected how clients are able to get to appointments and services.  And, unfortunately some clients are not able to get housing at all. In order to protect victims from virus they’ve had to limit the number of clients they allow into shelters. One shelter in NOLA has had to make the difficult decision of only allowing victims under the age of 21 to be able to be housed in their shelter.   But what about demand? Nick explains that the EPIK Project was already working through online and phone platforms. A group of men cyberpatrol communities. In other words, they post decoy ads that men respond to and a cyberpatroler then interacts with that potential buyer and tries to educated them on the reality of what they are attempting to engage in. They have worked with law enforcement and survivors on the best ways to approach these men. Patrols typically employ 4-5 men. Information collected on these intercepted transactions are then reported to law enforcement. Nick says that a week prior to recording, buyers were still active in spite of growing national concerns about social distancing and spread of the virus.Nick was most interested in ads in Seattle, Washington the state in which was hard hit by the pandemic. He asked the men if they were concerned and they were not concerned about spread of virus. As Nick explains, “addictions don’t take holidays”. And although calls may have been down by about 10-15%, people who are home and have a lot of idle time are responding to decoy ads to purchase sex. Buyers are already taking risks and it seems that the threat of viral spread is not a deterrent. Melissa has been in contact with Homeland Security. Her contact there also affirms that buyers and traffickers are still active and that law enforcement agents are still combatting them. However, they are expecting are a lot more children being at risk of child pornography and being lured from online sources now that children are home from school and on the internet. The longevity of social distancing measures gives perpetrators a chance to build a rapport with the victims through online communications—a main way of luring someone into trafficking. Victims often they believe they are in a relationship with the perpetrator. Law enforcement is also going online to intercept and combat these transactions. Leanne says that isolation can lead to a variety of crimes. There’s an entire spectrum of abuse and violence that we may see because of the pandemic. Where there’s a lack of opportunity, people may turn to the gray economy. There will be employers who want to take advantage of people’s economic vulnerability. Demand is not just about commercial sex, it’s also about labor. We still need people to produce medical supplies, food, and other essential items. It’s possible some will use labor trafficking to produce those goods. Although Leanne says they haven’t seen direct reports of forced criminal behavior they are simply getting less intel from community partners and have a lessened law enforcement presence, which may explain why they aren’t seeing it. She says that they do see this pattern in times of natural disaster. When a tornado hits, they see undocumented people repairing roofs and not getting paid. After Catrina, forced labor was being used to repair infrastructure. People who are homeless or in the margins are at greater risk of being exploited by false promises of fair work. The Better Business Bureau is doing PSA’s about false businesses that are luring people in. Exploitation may be happening online. Nick references an articlein the NY Post says that camming is on the rise. Also, Pornhub is offering free premium subscription and that there is data linking porn use to being a sex buyer. Shared Hope Internationaland Arizona Anti-trafficking network are trying get the word out about internet safety. Melissa suggests some concrete steps parents can take to protect their youth from cyberexploitation: Check in with your children. What social media are they using? Make sure they are using privacy settings Sync your device to your child’s. What information is being sent and received? If youth own a cell phone, where did they get it and why are they using it? Are youth allowed to have the cell phone in their rooms? Turn phones over to their parents at night. Remind children never to give out their address, their name, their school name or other personal information. Remind children to never agree to friend or to meet someone in person they just met online. Remind children what’s appropriate to post online and not. Even one image can stay on the internet forever. Monitor apps. How did they meet the people they are talking to through them? Encourage youth to be cautious. It’s difficult for children to understand how something they do now will affect them in the future, so it’s important for parents to be vigilant about how children are interacting online. How could the pandemic and social isolation affect vulnerability to trafficking? Leanne says that human trafficking doesn’t happen in a vacuum. There’s a whole spectrum of abuse that can happen. Child abuse and domestic violence may increase for some as children and domestic partners may be in close proximity to their abusers. Also stress may exacerbate the abuse. Additionally, there are far fewer interactions for people to disclose their abuse or to find ways to get away. In terms of elder abuse, it isn’t possible for some family members to be in touch with their elderly families. Staff may be stressed and overworked due to staff shortages, which could lead to abuse or neglect of elderly clients; this also applies for residential institutions serving people with disabilities. Furthermore, elders may be at risk of financial exploitation. Looking ahead, how can we plan to combat trafficking following the pandemic? Melissa says we need to look at our state laws. Are our laws strict enough for perpetrators? If not, we need to change those so we can prosecute buyers and traffickers. We also need to make sure that we are reaching out to the vulnerable. Leanne says that they are encouraging case managers to really address what basic needs clients may be saying they need. They are also suggesting for survivor services to integrate risk management into their care. And for providers themselves, how do they reduce vicarious and secondary trauma so they can continue to serve well. She says that service providers need to think about contingency plans and sustainability plans in case they fall ill and create transition plans for someone else to take over if they can no longer serve. Leanne has created a toolkit for service providers. Nick adds that men can join the efforts in combatting trafficking by starting a men’s group to begin cyberpatrol. The work they do educates buyers, supports law enforcement, and identifies traffickers.

As Nick is paddling away from giant mutant creatures trying to eat him, he continues to recall his early life as a child in the schoolyard in Darconia New Jersey 300 years ago. Paul Canter, a child who innocently, unknowingly without sexual malice, goosed a girl. The sadistic nuns as a punishment make Paul's parents buy a girl's uniform and dress him like a girl for a week, giving him future transvestite tendencies.

Last week we covered the basics of the traditional IRA and today we will shift our focus to the Roth IRA. John and Nick will once again explain the basics to this investment vehicle. We will also compare and contrast the Roth IRA to the traditional IRA.Helpful Information:PFG Website: https://www.pfgprivatewealth.com/Contact: 813-286-7776Email: info@pfgprivatewealth.comFor a transcript of today's show, visit the blog related to this episode at https://www.pfgprivatewealth.com/podcast/Transcript of Today's Show:----more----Speaker 1: Hey everybody. Welcome back in to Retirement Planning Redefined. Thanks for tuning into the podcast. We appreciate it. Maybe you've received this podcast through the team's newsletters or email blast. Or maybe you found us online on various different podcast outlets like Apple or Google or Spotify. Either way we appreciate your time. And we're going to spend a few minutes with John and Nick talking some more about IRAs. And this go round we're going to spend some time on the Roths. But first guys, what's going on? How are you?John: I'm good. So my one year old is sleeping through the night very well, so I feel like a new man.Speaker 1: That goes a long way that's for sure. Well kudos on that. And Nick, how you doing, buddy?Nick: I'm pretty good. My 15 year old dog is not sleeping through the night.I'm okay.Speaker 1: Yeah, getting up there. I've got a 13 year old dog and she's a pistol. I got a 22 year old daughter and I can't tell which one's a bigger pain in the butt, the dog or the daughter. But they're both doing pretty well. The kid's actually graduating from nuclear engineering school. Actually I get to go see her Friday, and she's now a petty officer. She ranked up in the Navy. So we're all proud of her.Nick: Congrats.Speaker 1: Yeah, I appreciate that. I'll tell you what, let's not talk about babies, dogs or the Navy for just a minute. Let's talk about the Roth IRAs as I mentioned. So if you happened to catch the last podcast, we wanted to go through and talk about IRAs, about the vehicle. And we spent some time on the traditional side. So guys, do me a favor first, let's just do a recap, a little bit, of the traditional IRA before we switch over to the Roth so people have some context on that.Nick: So one of the biggest benefits for any sort of IRA account are some of the tax benefits. But one of the things that we wanted to remind everybody of, and this helps with IRA accounts, but also just really any investment account. Sometimes the feedback we've gotten is it's helpful for people to think about the different types of accounts in three phases of taxation. There's as the money goes in, is it taxed, is it not taxed. As the money grows, is it taxed, is it not taxed. And then when it comes out so that you can use it, is it taxed or not taxed. So for traditional IRA, you know the first one, as it goes in, in the last session we talked a little bit about it. Most of the time for most people it's not going to be taxed. But there will be some rules on when that's after tax money, it's going to grow tax deferred. So you're not going to get 1099 on it each year as it grows. And then when it comes out, it's going to be ordinary income tax.Nick: And then for the Roth IRA, which is what we're going to get into today, it is money that's already been taxed is going to go in. It's going to grow tax deferred. So [inaudible 00:02:43] 1099s, and then on the backside it's tax free. That's the comparison as you go through.Speaker 1: Okay. Since you brought it up, let's go ahead and just jump right into it. So John, give us a few things to think about on the Roth side. He already mentioned the tax deferred part. What are some other limitations and things of that nature we talked about like with the traditional, some numbers or some things we need to know?John: Yeah, so like the traditional IRA, the contributions are based off of earned income. So again, that does not count real estate state income, any interest, income like that, but earned income. And as far as the limits go, if you're below 50, [inaudible 00:03:20] 6,000. Anyone above 50 can do 1,000 catch-up, which gives you a 7,000 total. And just to again reiterate some mistakes we've seen where you can only contribute 7,000 between the two of you. You can't contribute 7,000 each. Okay, so 7,000 total.John: And something that some people aren't aware of is that even if, let's say one spouse is not working and is staying home for whatever reason. They are eligible to make a spousal contribution to an IRA, whether that's Roth or traditional, which is a nice feature because that does come up quite a bit. So to talk about the contributions of a Roth, we gave the example of traditional IRA as far as making a pre tax contribution. As Nick mentioned, the Roth is after tax dollars. So example of that, 100,000 of income for somebody, they make a $5,000 contribution to a Roth, their taxable income stays at 100,000 in that given year. So there's no tax benefit up front with the Roth IRA versus a traditional IRA, you could have a tax savings up front when you make the contribution if it's deductible.Nick: So from an eligibility standpoint, for a single person, somebody that makes under 122,000 can make a full contribution. If their income is between 122,000 and 137,000, there is a partial that can be made. If their income is over 137,000, they are not able to make a contribution to a Roth IRA. For married filing jointly, if their income is below 193,000, they can make contributions for both of them and their spouse. If the income is between 193 and 203,000, it's a partial. And if the household or the married filing jointly income is above or greater than 203,000, then they are not eligible to make the contribution.Speaker 1: Gotcha. Okay. All right, so we've covered some of the contributions, some of the eligibility you mentioned already in the tax deferred growth part. What about access? Did we cover some things there?John: So one thing the eligibility and it's becoming more popular now with Roth 401k. So if you're not eligible to make a Roth IRA contribution, one thing to do is check with your employer and see if they offer a Roth 401k, which actually has no income limits for you to be able to participate in it, which is a nice [inaudible 00:05:37]Speaker 1: Okay, that's good to know. Yeah, absolutely. All right, that's a Roth 401k. Maybe we'll do another show about that another time. What about the access side, anything there? Is it the same 59 and a half, all that kind of stuff?John: So rules are fairly similar, where you as far as access getting to the account, there is the 59 and a half rule. And if you do draw early there's a 10% penalty on your earnings. And I stress earnings on that, because with a Roth IRA and I say this, consult with your tax preparer, tax advisor, we don't give tax advice. But with a Roth IRA, you can actually access what we call cost basis prior to 59 and a half without any penalty. I've seen a couple of people do it where basically let's say if you've put in 30,000 into your Roth in your account at 50. So 20,000 earnings, 30,000 is what you've put in, which is considered your cost basis. You can pull that 30,000 out without paying a penalty. It's just you have to keep very good records of your contribution amounts. And if you do pull it out, you have to work with your tax preparer to go ahead and let the IRS know that you pulled out a portion of your tax basis. And that's would avoid any type of a penalty on that.Speaker 1: All right, so we've covered several things on the Roth side, so the access, the eligibility, contributions, all that good kind of stuff. So let's just get into the fact that it's been hugely popular. It's been a very hot button issue for the last really couple of years. Obviously one of the reasons, we mentioned earlier that it's tax deferred. Really, the taxes are low, right? We're in a historically low tax rate. So one of the reasons that a Roth might be a good place to go, or a Roth conversion I guess I should say, is because of the tax thing. So what are some other reasons why the Roth is just really popular?Nick: You pointed to one of the biggest reasons from the standpoint of we are in historical low tax brackets. And one of the things that we talk about with clients and it really became evident towards the end of 2019 is, the thing that might be the quote unquote best strategy today, it may not be the best strategy five years down the road, 10 years down the road. So for most of the clients that we meet with, they're substantially overweight on pre-tax money and maybe only recently have started to build up Roth money. And we think it's really important to have balance and to have options in retirement. Your ability to be able to pivot and adjust to law changes, rule changes, market conditions, etc. are really important. And then part of that is not having to be forced to take out a required minimum distribution on a Roth helps you maintain that balance and maintain the nest egg, those tax free [inaudible 00:08:18] roles help give you flexibility and balance, the ability to be able to pass on funds to beneficiaries, Roth dollars.Nick: Especially if you have... Maybe your kids are high-income, you've done a good job planning. We go through the numbers, we built the plan and there's a pretty high probability that you're going to be passing on money to the kids. The rub, money is usually much better to plan or to pass down, because of the fact that it will be tax-free to them as well. So the ability to really create flexibility in your planning and strategies is one of the reasons that we think the Roths are a really important piece of the pie.John: Just to jump in. One thing, just backtracking to accessing it tax-free. Just a couple of rules with it is you have to be above 59 and a half. And you actually have to have had a Roth IRA account for at least five years. So an example would be, let's say I open one up at age 60. I'm above 59 and a half. The person cannot actually withdraw tax free until basically 65. So I have to wait five years and that's from the first Roth I ever started up. So one thing that we typically will work with clients is if they're eligible, we might just go ahead and start a Roth IRA just to start that five year window.Speaker 1: Okay. All right. That's good. Yeah. Good information to know on that. Now with the beneficiary thing and passing things along, is the change in the SECURE act, does that make a difference in the Roth as well? Is there anything there that would pertain to people if they're thinking about it that they should definitely be checking with you guys on before doing a conversion or something like that?John: Yeah, so I believe we're doing a four part session to this. We're going to talk about conversions, but yeah, that makes conversions a little more appealing where you have to pull the money out over a 10 year period now. Where basically at least if you have to pull it over 10 years, there's actually no tax hit. So as your IRA gets bigger, if you're pulling out of a $1 million IRA over a 10 year period, that's going to really affect your tax rate. If it was all Roth money, it would have no bearing on your taxes.Speaker 1: Gotcha. Okay. All right. Yeah, and we are going to continue on with this conversation on a future podcast about which one might be right for you and all those good kinds of things. Nick, anything else that we may have overlooked in there we need to throw in?Nick: No, I just can't really say it enough from the standpoint of building in flexibility is key. Most of the people that listen to the podcasts are going to have pretax money, but if they don't have any Roth money then just getting started can be really important to build that up. Because even if they're within a few years of retirement, just remember that we're still planning for 30, 40 years down the road. Having money that compounds over a long period of time and then has tax free withdrawals on the backside is a pretty significant leverage point and benefit.Speaker 1: Okay, one final question I'm going to ask you guys is you sometimes hear people say, if I'm still working, can I contribute or should I contribute to both kinds, the traditional or the Roth? What do you say when someone asks that type of question? Should someone do both the traditional for the tax reasons and then the Roth for the non-tax? What's your answer?John: We'll answer that in the next session.Speaker 1: Nicely done. Look at him teeing that up. There you go, folks. All right, I'll tell you what. We will take care of that on the next session and that way you have a reason to come back. A cliffhanger if you will. So if you've got questions about the Roth IRA, make sure you talk with your advisor about that. If you're not working with an advisor, you certainly should be. Reach out to John and Nick and give them a call at PFG Private Wealth. And you can reach them at 813-286-7776. That's the number to dial. 813-286-7776 here in the Tampa Bay area or go to their website, check them out online at pfgprivatewealth.com. That is pfgprivatewealth.com. Don't forget to subscribe to the podcast so you can get those next episodes as they come out. Nick, John, thanks for your time this week.Speaker 1: I hope everybody has a great week and you guys enjoy yourself and continue to get some good sleep while that baby's resting, all right?John: Hopefully it continues. I think it will.Speaker 1: Yeah, there you go. Nick, appreciate your time, buddy. Take care.Nick: Thanks. Have a good one.Speaker 1: We'll see you next time here on Retirement Planning Redefined with the guys from PFG Private Wealth, John and Nick.

As Nick floats on his surfboard, recuperating from his last battle with a giant squid creature of the post nuclear world, he reminisces about growing up in draconica New Jersey and his first school yard fight inflicted upon him by the bullies.

As Nick celebrates his Birthday this week, him and Justin talk about perspective. After a traumatic week the fellas reflect on moments that helped them add perspective to their lives [5:55]. In the #sportsbag Justin defends his Basketball Hall of Fame argument from last week. They also recap UNC/Duke and where they think Tom Brady will land [32:00]. Intro: The Notorious BIG - Unbelievable #FridayJoint : Leven Kali - 12345 (Get Real)

Nick Aranda is the owner of CrossFit Anavah, a high school strength and conditioning coach, a high level CrossFit competitor who is a masters age, a husband, father of 3, and an incredibly faithful man that can trace his journey of faith through many ups and downs. As Nick was preparing for Wodapalooza he took time out of his packed schedule to talk to us about his journey in both faith and fitness.

Guest: Nick White, EVP of Patient Care Solutions at Orbita Topic: OrbitaASSIST & Voice Applications for Healthcare Dave and Nick talk about some of the ways that Orbita is pioneering and implementing voice technology into the healthcare setting. As a leader in the Voice + healthcare space, Orbita is at the forefront of what's becoming possible as voice is transfused into a wide variety of medical settings. One area that Orbita is particularly interested in is at the patient's bedside in the hospital. OrbitaASSIST transforms the traditional call-button found in many hospitals, to provide a much more contextually-rich type of patient-to-nurse communication system. The way that OrbitaASSIST works is that it allows for the patient to issue a request for a nurse to come see the patient, and can input via the assistant what exactly they need. Each request goes into a portal that the nurses attending to the patients tied to the portal, can get a breakdown of who needs want and better triage urgent requests. As Nick mentions to Dave, the current time it takes for a traditional call-button request to be attended to can range from a few minutes to over a half-hour. Teams that have begun to implement OrbitaAssist have reduced their time for urgent requests to 14 seconds. There are massive efficiency improvements being facilitated by this type of technology. This conversation provides a glimpse into the innovative ways that voice technology is beginning to support medical professionals, patients and caregivers in many new ways. --- Send in a voice message: https://anchor.fm/futureear/message

Crack a cold one open with the boys while Pedro takes us through the hole in his sock and into his series of unfortunate events. As Nick prepares for his 10k turkey trot and reflects on his own 10 year challenge. Kanye’s cult, your favorite thing about thanksgiving, and what’s your level of indoctrination? Thanks for listening! Amor y Paz!!

A s a company that provides a wealth of services from product development and design support to full manufacturing and product life support, ANR Manufacturing specialises in electronics and PCB subcontract manufacture. The Buckinghamshire business offers specialist services that include cable assembly solutions, PCB manufacturing and box builds with full management services and technical support for CNC milling, CNC turning and manufacturing services. As you would imagine, co-ordinating production, creating traceability and ensuring orders are produced and delivered to tight deadlines can be a challenge – a task that PSL Datatrack has certainly excelled at since its introduction to the company. Not only does the 25-year-old company have a busy machine shop with a series of Mazak Integrex and Hurco machine tools with Erowa automation systems, it also has an electronics department that produces PCBs. Using automated technology to apply the correct diodes, connectors, resistors and other miniscule electronic components to the correct PCBs is no small feat, but PSL Datatrack has undoubtedly streamlined the process. Looking at the job card for just one particular PCB, Geoff Gartland from PSL Datatrack says: “We have a job card for this particular job that come direct from the quotation. The quote details the process for building the PCB as well as the full bill of materials for the PCB. Whilst the quote is very comprehensive, it can also be copied quickly to other jobs to minimise data input and save time. In an average machine shop, there will be one piece of materials and possible a few other components to complete an assembly. This PCB has 912 components that makes it a huge logistical challenge that is easily dealt with by the system.”  “This information will link into other modules such as the scheduler that works through the workflow. There are a vast number of jobs running through a machine shop at any one time and all jobs have their own processes and materials and all of that can be scheduled and followed through the workshop with PSL Datatrack.” Purchasing is another challenge that PSL Datatrack takes in its stride. At ANR, there are over 27,000 line components and to discuss how PSL is used for the purchasing function, ANR Manufacturing’s Dan Avery says: “PSL Datatrack allows us to run reports and status reports for any part that I need, whether it’s a minimum order requirement or parts for a specific project. As pricing can be a huge element that could lose to losses on jobs, we have to ensure the price on a purchase order adds up to what is on the quote and if it doesn’t, it gets picked up by accounts and it then comes back to me to determine why there is a discrepancy. We have to ensure we are buying the right components that vary from month to month and PSL helps us to effectively do that. If we didn’t have the PSL Datatrack system, we just wouldn’t be able to run.” Commenting on production in the machining department, Mr Nick Wilson says: “PSL is now the backbone for our business. If you take it away, ANR stops. This is because it ties-in every aspect from quoting and invoicing through complete scheduling of workflow.” Looking at the Bill of Materials (BOM), ANR Manufacturing’s Mike Garside says: “For our PCBs, a BOM will typically be around 1000 components and we just take data that the customer provides us and what they want us to use. We convert this to Datatrack part numbers, we then create a BOM to quote the customer and if we are successful that then transfers into purchasing and they then buy the parts for us. Through the BOM module we can control things, so if a customer wants to change quantities or even the specification of the part. It gives us the ability to check if that part is used on any other customer equipment and who uses it. So, we can advise customers pro-actively if there are any changes.” The shop floor also has data boards, which are monitors that provide and collect data on shop floor workflow. Referring to this, PSL’s Mr Gartland says: “The idea is that from the PC, staff can clock on or off different activities whether its setting, production and even non-productive times. The board has a live feed of everything clocked on and the colouring is specific to the status of each job, this gives a complete overview of each job to make sure the shop floor is as productive as possible.” The company has eight different status boards in the office, and these are specifically for management information. As Nick continues: “These boards allow us to just glance up and see that we have the materials, the jobs are being invoiced, what the next few months forecast are. It also incorporates the CRM information, but the core theme is giving people information. We have 20 different configurations that have been developed by using PSL Datatrack over 17 years.” The latest 2019 version of PSL Datatrack has now been released and it fulfils 227 ‘Wishlist’ ideas, which has added 131 new operational options to the system, taking the system to over 1300 options. For details on the latest version, contact PSL Datatrack.

Andy Behrens and Dalton Del Don are back to discuss all things NBA in the latest fantasy basketball podcast. In this week’s Starting Five, Andy and Dalton run down the five biggest storylines of the fantasy week:1) It finally happened! The return of Carmel-00. Carmelo Anthony’s first game was … a little rough: 10 points, 4 rebounds, 4-for-14 from the field and 5 fouls. Is he just shaking off the rust or is what you see what you get at this point? (06:19)2) Ben Simmons is your new NBA leader in 3-point percentage! Even though last night marked his first attempt and make from 3 this season, will his early success from downtown lead to more shots? (11:57)3) Despite injuries to De’Aaron Fox and Marvin Bagley III, the Sacramento Kings continue to put up sneaky fantasy value. Bogdan Bogdanovic scored 31 points including 7-of-9 from 3 on Tuesday night, while Richaun Holmes and Nemanja Bjelica are putting up solid numbers. (14:08)4) Markelle Fultz is playing his way onto the standard league radar. (16:15)5) Is it possible for Pascal Siakam to be awarded Most Improved Player two years in a row? He’s currently delivering 2nd-round value in 9-Cat leagues so far this year. (18:56)Next up, Andy and Dalton are joined by RotoWire.com’s NBA editor, Nick Whalen. (22:22)As Nick hails from Wisconsin, he talks Bucks with our experts, including the impact of losing Malcolm Brogdon over the offseason (29:31). Nick also shares some of his success stories in the Yahoo Friends and Family league — where he’s currently rostering both the aforementioned Siakam and Luka Doncic — as well as any buy-low candidates he has in mind. (40:10)And we wrap up the show with In Case You Missed It. ICYMI this week: The question brought up the YahooSportsNBA Twitter about bringing back NBA players from the past. (46:22)Please remember to rate, review and subscribe on your podcast provider of choice and send us your questions for future episodes on Twitter @YahooFantasy.Follow Dalton @daltondeldonFollow Andy @andybehrensCheck out the rest of the Yahoo Sports Podcast family at https://apple.co/2Abi8jk or at yahoosports.com/podcasts See acast.com/privacy for privacy and opt-out information.

As with anything, there’s a learning curve to 3D animation. There’s always more to learn and more ways for expertise to be honed. Knowing where to look for education and new skills can be tricky. Today’s guest knows this well and has created many resources that any 3D animator can start using right away. Nick and I also spoke about how to promote and market yourself as a motion designer. Nick Campbell is the owner of Greyscalegorilla where he’s been helping 3D artists for over ten years by creating trainings, 3D tools, plug-ins, and other materials that artists need to get the job done. Considering that Nick started Greyscalegorilla as a photo-blog, it’s truly impressive what it has become.  In our chat today, Nick shares the story of how Greyscalegorilla organically developed into what it is today. We talk about using your background to develop skills that you are passionate about and where to turn to for valuable lessons and instruction. As Nick has discovered, many times, the best teachers are still students themselves. Nick is no stranger to negative criticism. He doesn’t let that stop him though. Sometimes its best to ignore it and other times it’s an opportunity to learn. We discuss the value of receiving all sorts of feedback and how it is an essential part of being an artist. I ask Nick what would say to 3D artists who are just starting their careers. His advice is to just work on developing your skills rather than trying to be groundbreaking. Just as any musician starts out playing covers of other musicians’ songs, new motion animators need to hone their craft before they worry about being original. Nick makes the point that marketing is not a bad thing. Many artists shun the idea of marketing. But in truth, all marketing needs to be is letting people know that you can solve the problem that they have and getting the word out that that is what you do. In this episode Combining your interests, skills, and passions into a single pursuit Who the best people to learn from really are Approaching negative feedback in a useful way Why animators should work on being good rather than original when they’re just starting out How to promote and market yourself as a motion designer Why it’s fine to be a generalist but your marketing should be niche   Quotes “After Effects was such a piece of software that it opened my eyes to the possibility of what computers could do.” [7:02] “I have this theory that all the weird jobs that we had growing up prepare us for what we ultimately end up doing in our life, even if they’re not connected.”[11:42] “Don’t be afraid of critique. Don’t be afraid of feedback. By letting that happen, you’re actually building the tools you need to become a better artist.” [19:09] “All marketing is solving a problem that other people need to be solved. If you are able to solve that problem and you’re not letting them know about, that’s on you.” [37:33] Links Find Nick Campbell online at Greyscalegorilla Follow Nick on Twitter | Instagram | Facebook | YouTube Intro to Cinema 4d Freelance Contract Bundle Show Notes

Darold is back with another episode of Passion Behind The Arts and this week he’s sitting down with Nick Longo. Nick Longo is a designer, educator, and one of the co-hosts from The Deeply Graphic DesignCast, one of the first podcasts that highlighted graphic designers. As Nick recalls his childhood, he talks about being drawn to creative toys. He loved to draw, and because he never considered it his strongest skill, he devoted himself to work on ways to better express himself creatively. As a collegiate student, he was introduced to graphic design from one of his best friends. After graduating, he had the opportunity to work closely with an art director who taught him invaluable lessons about timelines and client relations. Another of his jobs would allow him to pay homage to his childhood by giving him the opportunity to design toys. He also talks about the times he took bold steps that resulted in him getting the opportunity to co-host at The Deeply Graphic DesignCast and become a professor at his alma mater. As you listen to this episode, you’ll hear a lot of wisdom as Nick discusses the biggest hurdles he’s had to overcome, letting go of your fear and seizing opportunities and the importance of helping others along the way. Happy listening! LEARN MORE ABOUT NICK LONGO: https://www.longodesigns.com https://twitter.com/LongoDesignsInc SUPPORT THE SHOW! Stop by our Patreon page: https://patreon.com/pbtashow JOIN THE COMMUNITY: HOST INSTAGRAM: https://instagram.com/dpcreates PODCAST INSTAGRAM: https://instagram.com/pbtapodcast PODCAST TWITTER: https://twitter.com/PbtaPodcast PODCAST FACEBOOK GROUP: https://facebook.com/groups/pbtapodcast SUPPORT THE SHOW! I would love to hear from you. Take a picture of the episode you're listening to and tag the podcast on Instagram or Twitter at @pbtapodcast, @dpcreates, #pbtashow or #pbtapodcast. Leave an iTunes Rating and Review Share the show on social media or follow the Podcast Instagram Subscribe on your favorite podcast player: iTunes Stitcher Google Play Radio Overcast

We finally made it to 50 episodes!!! Thanks for sticking with us this long. Today we’re talking to Nick Chandler from Central Florida. Nick has had a heck of a start to his season, taking 3 bucks on public land all in the month of September. We talk all about the things that he thinks put him in the right places throughout his hunts, including things like in season scouting, transition areas, staying mobile, and other tactics. I’ve said for the last year, a guy that can kill legal bucks in Florida consistently is likely among some of the best hunters in the nation. Take notes on this one! Nick is a name that I bet you’ll hear from more and more in the future.As Nick tells the story of his bucks, we get to the last story of the third buck of his season. A mature buck that would be Nick’s first submission to the Florida buck registry. This is a buck that he has been after for a couple of years. All self-filmed, Nick arrowed this buck in late September only to find that someone else picked up his buck where it had died and claimed it as their own. This is a crazy story! We’re going to continue updating on this situation as it unfolds in the future. Southern Ground is Powered by Simplecast

We finally made it to 50 episodes!!! Thanks for sticking with us this long. Today we’re talking to Nick Chandler from Central Florida. Nick has had a heck of a start to his season, taking 3 bucks on public land all in the month of September. We talk all about the things that he thinks put him in the right places throughout his hunts, including things like in season scouting, transition areas, staying mobile, and other tactics. I’ve said for the last year, a guy that can kill legal bucks in Florida consistently is likely among some of the best hunters in the nation. Take notes on this one! Nick is a name that I bet you’ll hear from more and more in the future.As Nick tells the story of his bucks, we get to the last story of the third buck of his season. A mature buck that would be Nick’s first submission to the Florida buck registry. This is a buck that he has been after for a couple of years. All self-filmed, Nick arrowed this buck in late September only to find that someone else picked up his buck where it had died and claimed it as their own. This is a crazy story! We’re going to continue updating on this situation as it unfolds in the future. Southern Ground is Powered by Simplecast

Nick Mehta is CEO of Gainsight, the Customer Success Company. He’s a big believer in the Golden Rule and tries to apply it as much as he can to bring more compassion to his interactions with others. Under Nick's leadership, Gainsight was named the second fastest growing private software company in 2015 by Inc. Magazine. On top of that, Forbes ranked Gainsight as the Best Enterprise Software Company to Work For based on Glassdoor ratings. As Nick likes to say (a little too fast and a little too often), that's awesome. Previously, Nick worked as an Entrepreneur in Residence with Accel Partners developing opportunities in the enterprise applications and infrastructure markets. He was also CEO of LiveOffice, where he led the company’s profitable growth to $25 million in revenue and through its successful sale to Symantec in 2012 for $115 million. LiveOffice was recognized as a Visionary by Gartner, as an Inc. 5000 company, and as an Ernst & Young Entrepreneur of the Year finalist. Before joining LiveOffice, Nick was a Vice President at VERITAS Software (acquired by Symantec). Don't get him started on theoretical physics or Steelers football—he'll talk your ear off!

Authors on the Air host Pam Stack welcomes debut romantic comedy writer MINNIE DARKE to the studio. About Minnie: Minnie Darke - Gemini with Virgo rising, Scrabble cutthroat and knitter, lover of books, freshly sharpened pencils and Russian Caravan tea - wrote Star-crossed to amuse herself and to entertain you. She lives with her family in Tasmania. ABOUT STAR-CROSSED: When childhood sweethearts Justine (Sagittarius and serious skeptic) and Nick (Aquarius and true believer) bump into each other as adults, a life-changing love affair seems inevitable. To Justine, anyway. Especially when she learns Nick is an astrological devotee, whose decisions are guided by the stars, and more specifically, by the horoscopes in his favorite magazine. The same magazine Justine happens to write for. As Nick continues to not fall headlong in love with her, Justine decides to take Nick’s horoscope, and Fate itself, into her own hands. But, of course, Nick is not the only Aquarius making important life choices according to what is written in the stars. Charting the ripple effects of Justine’s astrological meddling, Star-Crossed is a delicious, intelligent, and affecting love story about friendship, chance, and how we all navigate the kinds of choices that are hard to face alone. Listen LIVE, on www.soundcloud.com/authorsontheair or on your favorite podcast app.

Authors on the Air host Pam Stack welcomes debut romantic comedy writer MINNIE DARKE to the studio.  About Minnie:  Minnie Darke - Gemini with Virgo rising, Scrabble cutthroat and knitter, lover of books, freshly sharpened pencils and Russian Caravan tea - wrote Star-crossed to amuse herself and to entertain you. She lives with her family in Tasmania. ABOUT STAR-CROSSED:  When childhood sweethearts Justine (Sagittarius and serious skeptic) and Nick (Aquarius and true believer) bump into each other as adults, a life-changing love affair seems inevitable. To Justine, anyway. Especially when she learns Nick is an astrological devotee, whose decisions are guided by the stars, and more specifically, by the horoscopes in his favorite magazine. The same magazine Justine happens to write for. As Nick continues to not fall headlong in love with her, Justine decides to take Nick’s horoscope, and Fate itself, into her own hands. But, of course, Nick is not the only Aquarius making important life choices according to what is written in the stars.    Charting the ripple effects of Justine’s astrological meddling, Star-Crossed is a delicious, intelligent, and affecting love story about friendship, chance, and how we all navigate the kinds of choices that are hard to face alone. Listen LIVE, on www.soundcloud.com/authorsontheair or on your favorite podcast app.

This episode is all on Shane & Andy. As Nick goes missing they seek to find how the shows future holds and where he might have gone. An adventure awaits them both to find the truth and seek justice on a crime scene. Will they save an innocent man or prove he was guilty all along? Find out for yourself in this episode! P.S. We're the best podcast, you're NOT listening to under Marc Maron. .:::Beer Of The Week:::. Rochester Mills Coffee House Milkshake Stout https://www.beeradvocate.com/beer/profile/2346/379941/ Podcast@SketchyNonsense.com www.SketchyNonsense.com Facebook.com/SketchyNonsense Twitter.com/SketchyNonsense Patreon.com/SketchyNonsense "Upbeat Forever " Kevin MacLeod (incompetech.com) Licensed under Creative Commons: By Attribution 3.0 creativecommons.org/licenses/by/3.0/

As Nick and Greg dive into the delicious Oliva Serie V, secrets of Nicks relationship with is roomate start to surface..

As Nick reflects on the first year of the podcast, he also talks bout Halo The Master Chief Collection news, what is Ubisoft teasing in regards to Ghost Recon. He also talks about Game of Thrones, and how the final season is breaking all records, spoiler discussion of the Long Night starts at the end of the episode at the 38:27 mark. Nick also talks about the MCU, and the DCEU. That horrific Sonic the Hedgehog trailer(thank god they listen to feedback) and more. Come take a listen.

In this episode, Nick talks you through several practical techniques that will allow you to invest more time in yourself and explains why self-improvement and investment, is by far the best investment you can make.  By adding to our intelligence, value and skill-set, we can positively impact others and our own world.      KEY TAKEAWAYS By investing heavily in ourselves, whether intellectually, or in terms of skills or value, then you can easily add more value back to other people. You are your greatest asset, and any value you add to that will only impact others positively.   Investing in yourself is different from the pathway of formal education. As Nick points out, his schooling began as a child, but his education began in his thirties. It is only when we begin to apply the lessons learned through life experience, that we can start to utilise our entire value.    Formal education can be useful in teaching us discipline, focus, a regimented work ethic, and the ability to learn how to study, but the practical experience comes later once our personalities become defined, and when we begin to focus upon the life we want and the goals we are setting for ourselves.   Personal development is about the skills, the beliefs and mindset that you need. Professional development is the acquisition of broader attributes and skills. Personal is based around your attitude and outlook. Professional is based around the specific skill set that will allow you to master your chosen vocation. Both are equally important.   You have to take action wherever possible., Theorising and studying about self-improvement are all very well, but progression can never be made until we take that first step In practical terms.   Entrepreneurs are not just born - they construct themselves through defining their life’s purpose. Everyone has the capability to be the best version of themselves possible - to seek success and make the most of it. It just takes belief and the will to act.   Invest in more time - by creating more time and leveraging it properly, the more time you can devote to the things that are going to drive you towards your passions and your goals. By defining the dimensions in our lives that we wish to spend more time in, we can better utilise and create the time available.   Leverage and outsource all of your low-value tasks - Household tasks, administrative tasks and other low-value duties can consume a large amount of our personal development time. By employing others to help, we can focus on the things that are truly important. Invest in your health - Looking better is wonderful, but by improving our health we also improve our energy levels. Sleeping, also, is a crucial part of maintaining our optimum energy levels. Plan your day carefully.  Invest in your mindset - Understanding how our psychology works is hugely important in terms of how we begin to improve our attitude and self-belief. Seminars, coaches, audiobooks and podcasts are an invaluable source of mindset improvement. Investing in knowledge and skills - If mindset is what makes you take action, then knowledge and skills are the things that will create more certainty around what you are trying to achieve. Seek out experts who are a few steps ahead of where you want to be. Invest in your network - Look at who you’re spending your time with, particularly in the world of business. Surround yourself with people who are a few steps ahead, and learn and grow in their company. Always celebrate your successes - Focussing purely on achievement can sometimes leave us blind to the actual progress we are making. Pause once in a while to reflect upon your growth.   BEST MOMENTS  ‘Investing in yourself is not a “should do”, it’s a “must do”’  ‘Find a way to add more value than anyone else does, and you’ll never have to worry about anything’  ‘Every day, work harder on yourself than anything else’  ‘Depending on where you want to go, your education and what you want to invest in, may not be what the establishment does’  ‘You gotta take action!’  ‘I’ve always wanted to be the best version of myself I can be’ ‘You are the sum average of the five people you spend the most time with. So choose these people well!’ ‘It can sometimes be possible to improve ourselves by two avenues at once - listening to an audiobook while exercising stimulates our body and mind simultaneously’ ‘Excuses are created in the mind and do not exist’ ‘Where are you now, where do you want to be, and what is the gap?’ ‘Your network is your net worth’ ‘Everyone needs me time, just make sure it’s not an excuse for procrastination’   VALUABLE RESOURCES Nick’s Twitter Scale Up Your Business Podcast   ABOUT THE HOST My name is Nick Bradley. I’m an entrepreneur, author, speaker and investor.  My background is in growing and scaling VC and Private Equity backed businesses.  Having successfully built, bought and sold a number of companies, and removed myself from day-to-day operations, my focus now is on helping entrepreneurs get to where they want to be, in business and in life. As well as investing in growth businesses and backing turnarounds - with the ultimate aim of creating value from significant capital events.  I’m passionate about personal and professional development - showing up and being the best version of myself ... every day.  My bigger vision is to help bring entrepreneurial skills, experience and mindset to people in developing nations - so they can follow their dreams, live life more on their terms - utilising entrepreneurship as a global force for good.   CONTACT METHOD https://twitter.com/nickcbradley nick@fielding.global www.fielding.global

This is a segment of episode #187 of Last Born In The Wilderness “Heartland Deluge: The Floods Of An Unfamiliar Earth w/ Nicholas Humphrey.” Listen to the full episode: http://bit.ly/LBWhumphrey Follow Nicholas Humphrey's work: https://www.patreon.com/MeteorologistNickHumphrey In this segment of my discussion with meteorologist and geoscientist Nicholas Humphrey, we discuss the record-breaking flood in the Midwest United States this season, in particular the impacts this is having on the agricultural center of the country, and how this event is directly tied to the dramatic global changes associated with abrupt climate disruption as a result of human industrial activity. As Nick and I discuss, there are numerous reasons why this year’s flooding in the Midwest has been as destructive as it has been — with estimated damage, in economic terms, of “$12.5 billion, based on an analysis of damages already inflicted and those expected by additional flooding, as well as the lingering health effects resulting from flooding and the disease caused by standing water.” Nick’s interdisciplinary research into global climate change, especially in describing its direct impact on the hydrological (water) cycle and weather, helps us understand how this record-breaking event occurred. “Nearly two-thirds of the lower 48 states will have an elevated risk of some flooding from now until May, and 25 states could experience ‘major or moderate flooding,’ according to the National Oceanic and Atmospheric Administration.” Record-breaking snowfall in the Midwest, with severe fluctuations in temperature in late-winter and early-spring, coincided with a massive “bomb cyclone” visiting the region, leading to a rapid and massive overflow of the Missouri River — inundating numerous farms, cities, and towns, as well as overwhelm much of the overall infrastructure and spread toxic waste and pollution throughout the region. This doesn’t even include the impacts this event is already having on the financially-burdened businesses in the region, and what the impacts will be for the region’s agricultural output in the future, as it is severely limiting farmers ability to grow and harvest vital agricultural products this year. Overall, the prospects don’t look good, for the Midwest region, and for the United States. Nick and I take a dive into the science and the implications of this event, and fit it within the broader ecological and climate trends currently unfolding on this planet. Nicholas Humphrey is a meteorologist and geoscientist, with the focus on extreme weather events and their connection to our destabilizing climate. Nick’s goal is to communicate, in an interdisciplinary fashion, the serious risks from climate tipping points, extreme weather events, and ecological collapse. He graduated with a BS in Interdisciplinary Studies with a focus in societal impacts of extreme weather from South Dakota State University in 2013, and earned a MS in Geosciences - Applied Meteorology from Mississippi State University in 2016. Nicholas is based in Lincoln, Nebraska. WEBSITE: https://www.lastborninthewilderness.com PATREON: http://bit.ly/LBWPATREON STORE: http://bit.ly/LBWmerch DONATE: Paypal: http://bit.ly/LBWPAYPAL DROP ME A LINE: (208) 918-2837 FOLLOW & LISTEN: SoundCloud: http://bit.ly/LBWSOUNDCLOUD iTunes: http://bit.ly/LBWITUNES Google Play: http://bit.ly/LBWGOOGLE Stitcher: http://bit.ly/LBWSTITCHER RadioPublic: http://bit.ly/LBWRADIOPUB YouTube: http://bit.ly/LBWYOUTUBE NEWSLETTER: http://bit.ly/LBWnewsletter SOCIAL MEDIA: Facebook: http://bit.ly/LBWFACEBOOK Twitter: http://bit.ly/LBWTWITTER Instagram: http://bit.ly/LBWINSTA

[Intro: 12:35] In this episode, I speak with meteorologist and geoscientist Nicholas Humphrey. I ask him to detail the record-breaking flood in the Midwest United States this season, in particular the impacts this is having on the agricultural center of the country, and how this event is directly tied to the dramatic global changes associated with abrupt climate disruption as a result of human industrial activity. As Nick and I discuss, there are numerous reasons why this year’s flooding in the Midwest has been as destructive as it has been — with estimated damage, in economic terms, of “$12.5 billion, based on an analysis of damages already inflicted and those expected by additional flooding, as well as the lingering health effects resulting from flooding and the disease caused by standing water.”* Nick’s interdisciplinary research into global climate change, especially in describing its direct impact on the hydrological (water) cycle and weather, helps us understand how this record-breaking event occurred. “Nearly two-thirds of the lower 48 states will have an elevated risk of some flooding from now until May, and 25 states could experience ‘major or moderate flooding,’ according to the National Oceanic and Atmospheric Administration.”** Record-breaking snowfall in the Midwest, with severe fluctuations in temperature in late-winter and early-spring, coincided with a massive “bomb cyclone” visiting the region, leading to a rapid and massive overflow of the Missouri River — inundating numerous farms, cities, and towns, as well as overwhelm much of the overall infrastructure and spread toxic waste and pollution throughout the region. This doesn’t even include the impacts this event is already having on the financially-burdened businesses in the region, and what the impacts will be for the region’s agricultural output in the future, as it is severely limiting farmers ability to grow and harvest vital agricultural products this year. Overall, the prospects don’t look good, for the Midwest region, and for the United States. Nick and I take a dive into the science and the implications of this event, and fit it within the broader ecological and climate trends currently unfolding on this planet. Nicholas Humphrey is a meteorologist and geoscientist, with the focus on extreme weather events and their connection to our destabilizing climate. Nick’s goal is to communicate, in an interdisciplinary fashion, the serious risks from climate tipping points, extreme weather events, and ecological collapse. He graduated with a BS in Interdisciplinary Studies with a focus in societal impacts of extreme weather from South Dakota State University in 2013, and earned a MS in Geosciences - Applied Meteorology from Mississippi State University in 2016. Nicholas is based in Lincoln, Nebraska. *http://bit.ly/2Ua1N5S **https://nyti.ms/2D2mYkw Episode Notes: - Follow and support Nicholas’ work: https://www.patreon.com/MeteorologistNickHumphrey - Follow him on Facebook: http://bit.ly/2U6tf4n - Follow him on Twitter: https://twitter.com/NTH_met - I cite these articles in the interview: http://bit.ly/2Ua1N5S / https://nyti.ms/2D2mYkw - The song featured in the episode is “Country Boy” by "Little" Jimmy Dickens. WEBSITE: https://www.lastborninthewilderness.com PATREON: http://bit.ly/LBWPATREON STORE: http://bit.ly/LBWmerch DONATE: Paypal: http://bit.ly/LBWPAYPAL DROP ME A LINE: (208) 918-2837 FOLLOW & LISTEN: SoundCloud: http://bit.ly/LBWSOUNDCLOUD iTunes: http://bit.ly/LBWITUNES Google Play: http://bit.ly/LBWGOOGLE Stitcher: http://bit.ly/LBWSTITCHER RadioPublic: http://bit.ly/LBWRADIOPUB YouTube: http://bit.ly/LBWYOUTUBE NEWSLETTER: http://bit.ly/LBWnewsletter SOCIAL MEDIA: Facebook: http://bit.ly/LBWFACEBOOK Twitter: http://bit.ly/LBWTWITTER Instagram: http://bit.ly/LBWINSTA

As Nick takes a little time off to have his screaming tooth removed, we assemble another cavalcade of clips that missed the cut. Originally recorded on... uncertain.

As Nick continues his run of shows in Ottawa the guys sit down and discuss who they think should be the next Monstars in Space Jam 2!

As Nick continues his run of shows in Ottawa the guys sit down and discuss who they think should be the next Monstars in Space Jam 2!

As Nick tends to his two new bundles of joy, Jon and Jamie head to Hell's Kitchen to dance with Daredevil Season 3 in this week's episode of the NJJShow

As Nick and Wendy prepare to go to Brazil, Wendy reminisces about the time she went to Rio de Janeiro to study Portuguese as a university student in 1995.

In this special episode, Curtis interviews two GlaxoSmithKline (GSK) spokesmen about Meningococcal disease, a rare but aggressive bacterial infection that can be fatal or cause life-long disabilities. It is preventable and there is a vaccine for five serogroups of the disease. Dr. Leonard Friedland is a husband, a father to two adult children, a pediatrician, and VP at GSK who has worked in the field of infectious disease vaccination since 2003. In addition to learning about his great work with vaccines, we also get marriage and parenting tips from Dr. Friedland.Nick Springer is a gold medal Paralympian in wheelchair rugby and a meningitis survivor whom, at the age of 14, contracted meningitis, fought for his life for 2 months, while enduring 19 surgeries and four amputations. As Nick tells his story, his optimism for life and for living it to it's fullest shines through. He explains how this disease completely caught him and his family off guard, but how it has allowed him to now be a spokesman for HOPE. Nick shares amazing stories and tips about parenting and positive mental attitude that he observed watching his parents and sister help him recover.For full notes and more information, visit http://www.dmdlifestyle.com/dmd12

Community is a living organism - it’s always changing. And while it once only existed in a physical place, now it can also exist in just space. Technology has helped communities to evolve and become global. As Nick and Brett both leave Northern California for separate destinations, we explore what community is, why it matters, how we embrace it, and also... how to let it go. We also talk to international educator, Jeff Utecht, to discuss the evolution of communication technology, how we adapt to change, and what’s next? Learn more about Jeff Utecht at www.jeffutecht.com and follow on Twitter: @jutecht If you dig the show please RATE + REVIEW it on Apple Podcasts. ---------------------------------------------------------- This was originally released on April 28, 2015 as an episode of Where There’s Smoke entitled, Get A Move On (Community). Follow Where There’s Smoke on Facebook at www.facebook.com/exploreWTS,  or as @exploreWTS on Twitter and Instagram.  The *new* season of Where There’s Smoke launching in the fall of 2018. For updates you can subscribe to the podcast and/or the newsletter HERE.   

Today we have a very special episode live from Los Angeles! Last week in “From Pitch to Press,” an all-star panel with four incredible interior designers — and Nick! — dove into the nitty gritty of getting press and different PR strategies. As Nick says, press is incredibly important for anyone running a business in this industry. After all, how else are folks supposed to hear about your interior design firm? Our four designers have all excelled in getting press and have a ton of advice to offer: Lori Gilder; Jeanne Chung; David Dalton; and Roxy Sowlaty.

As Nick prepares to travel with his family, what camera gear is essential for summer vacation? Plus, your questions about CTO and CTB gels, shooting in low light, and whether it’s legal to use a news broadcast in your film.

With Carol’s "Response" we present,"Call & Response," covering "Another Day in the Diamond" & "Good Out Here" * Catching up is hard to do, for many reasons * Our regulars celebrate the 1st anniversary at The Diamond, but so time is unaccounted for * #LucianaGalvez is back? #NickClark ribs her for leaving * #AliciaClark's baseball grenades: weapon against #TheVultures? * The world has other plans for our self-sufficient Alexandria/The Prison * Enter Charlie & her least favorite food: swimming upstream sucks * 47 people saved: #MadisonClark cares about more than her own: How & What happened? * Awesome opening sequences, especially the music * Charlie's #RobertJohnson dilemma & #VictorStrand's concrete reminder * Nick's Agoraphobia/PTSD & our desire fully understand * The Vultures' suspicious timing: weevils destroy the crops * Enter Naomi, near-Exit Naomi! ...thanks salmon Madison! * Madison's strange #Walker foreshadowing * #TheLittlePrince Charlie * Why Madison swims upstream, "No one's gone till they're gone" * Nick's PTSD, manifests. Turnips in the apocalypse * Enter The Vultures: Responsible for the numbers on structures; Cataloged Walkers * Charlie's betrayal: Mel knows everything about our group (and how settlements tend to fall). Is chill but loses his cool, once: who is underestimating whom? * Madison & The Clarks still prep Charlie's room. Unlike previous seasons, The Clarks are in sync. Luciana shows Charlie she still has a place * Luciana questions our misfits over the 51 flag. Our regulars take #Althea's van & head towards area 51 * Althea extorts our regulars, reminding them (like #CarlGrimes did #RickGrimes & #Negan) that it’s people vs Walkers * Althea flips the script, but almost flips the SWAT van * Nick's purpose up in literal smoke, decides to venture out with Madison * Althea is a truth-seeker who places herself at risk to get at it * Babysitter #MorganJones with ADHD Nick. Peanut-butter protein bar callback * Morgan scouts, Nick finds his video. Morgan tries to protect Nick from The El Camino, but Nick savagely escapes * #JohnDorie's desire to find (#TWD #TheSaviors?) Laura while Strand questions Althea's motives - Savage Alicia wonders how she's lasted * Nick stumbles upon Bluebonnets: Mel stakes Charlie as his claim * Nick's #Tyrese hammer & Morgan's desire to save more than Nick's life. "Nick" rhymes with "Rick": coincidence? * Ennis & Charlie beat Madison & Nick in scavenging with the El Camino by scanning the radio * ...a tale of two Nicks: Inside Nick wouldn’t kill Ennis in front of Charlie. Afraid of Outside Nick * Morgan: vengeance not only makes you lose yourself, but also what you ultimately want * Althea deal, confirmed: they'll probably be sticking together from here on * Morgan: caught between a Vulture & Nick place: takes their advice & walks away * Morgan sees the Good out Here bluebonnets (all life is precious). Rushes back to Nick * Morgan “reaches” Nick: No one's gone, till they're gone * John hopes his Luciana still loves him * Althea's The Bog tapes. Callback to #Deanna's Alexandria interviews * Cinematic use of color during time shifts, particularly Nick’s death scene * As Nick falls, one wonders if Morgan wasn't wrong ("It won't turn out like you think") * Our feelings over Nick's passing * [Sneak Peeks] Althea's lens: Walker Ennis, covering Nick's body, Strand’s Interview, Group footage; Naomi, the group should move on; The water park in the next episode * [Sneak Peek] Mel's attempts at convincing Madison to join: food & safety. Madison backs her group. * [Sneak Peeks] Morgan would rather be on his own; Strand & Cole confronting (Vulture weaponized?) acupuncture #Walkers * More of Nick. Tons of questions only the past can answer. More of John Dorie, please. * The Vultures: definition of non-violent/non-confrontational. What happens with Madison & Naomi? Why was Nick desperate to end Ennis? --- Send in a voice message: https://anchor.fm/squawkingdead/message

As Nick powers up the Worker Village a Swquk from the radio draws his attention. And after a turn left and right on the dial the call for help is sent. But as we cut back to the ruined hunters camp, Ludlow's situation is looking up.

It is possible to create a viable business while employing people with additional needs and this week’s podcast guest proves that. Nick O'Shea is the founder of Ignition Brewery in London, a successful business employing people with additional needs. At Ignition Brewery it's all about the beer because as Nick has found his customers don't mind who's making the beer as long as it tastes good! Nick's journey started whilst he was a regular volunteer at a UK charities event (Mencap's Tuesday Club) - where people with additional needs meet to socialise. He noticed that most of the people he talked to there wanted 2 things a relationship and a job. Nick didn't want to start a matchmaking service, so he decided to find a way to employ people with additional needs. He looked for a business which was labour-intensive and had repetitive tasks which would suit the people he would eventually employ, but that would also lead to an economically viable business. Ignition Brewery was the result. Nick explains it has not been without its challenges. It took six months to find a suitable place to brew. When they first started brewing they brewed about 20 batches of beer, some of it was good and some of it was bad! Currently they bottle around 1000 bottles a week. They plan to double that in the near future. They supply local pubs, restaurants and sell at local events as well. One area Nick talked about was his surprise at the lack of support from other organisations involved in the care of people with additional needs He believes there is more of a focus on providing palliative care and a lack of care based on developing people and allowing them to move on and achieve more with their life. We also discuss the future plans which include a bar which will create more employment opportunities. As Nick points out technological advances, such as contactless payments, mean that more service jobs are now a reality for people with additional needs. While Ignition might be based in London the model could be replicated, could be used in other communities and for other types of businesses. This is all about what people CAN do not whether they have additional needs or not. Visit www.journeyskills.com for more information and resources to help lead your child with additional needs toward greater independence.   

What if regulation, as we know it, might disappear? Regulation will never stop, of course, but what if some of it will take on a new form, shaped by technology?  What if we’re entering into a new era of what we could call “digitally-native” regulation, that’s as agile and intuitive about regulation as digitally-native consumers are about consumer technology? Of all the shows we’ve ever done, I think this is the most mold-breaking and thought-provoking. My guest comes from the agency that is leading the world in modernizing financial regulation for the digital age, and he leads the team that’s doing it. Nick Cook is the head of Regtech and Advanced Analytics for the United Kingdom’s Financial Conduct Authority. The FCA’s innovation leadership is world-renowned, especially for their Project Innovate and its “regulatory sandbox,” which allows careful testing of new financial technology that could benefit consumers. Less well-known, though, is a newer initiative, launched about 16 months ago, to explore regtech. As we’ve discussed in other shows, the term “regtech” is used in two ways. It refers both to regtech for regulators -- technology to enhance their own activities, and to regtech for the industry, to improve or streamline regulatory compliance. The FCA is working on both halves of this equation, and true to form, they’ve invented an innovative way to explore it. They aren’t using a sandbox for regtech (although the Bank of England has a sandbox-like “Fintech Accelerator”). Instead, Nick’s team has been convening what they call “tech sprints.” They invite a diverse set of participants -- banks, fintechs, tech companies, lawyers, consultancies, academics and others -- to come together for problem-solving exercises designed like hackathons. Sometimes for a day or two, and sometimes longer, they work on how new technology could be applied to a regulatory challenge like “digitizing” the rule book or streamlining regulatory reporting. Nick and I recorded this discussion at the Regtech Enable conference in Washington in December, where he had just shared an update on their work from the stage. At the time, they were in the midst of a two-week sprint that had two objectives. The first is to try to make regulatory reporting requirements “machine-readable,” and therefore much easier to navigate, including for innovative companies that often struggle just to know what rules apply to them. The second -- even more profound -- is to explore whether some regulations can also be made “machine-executable” -- could regulatory guidance, in some cases, be issued in the form of computer code, and therefore be self-implementing? This is an idea that’s been under discussion for about a year, including at a regtech roundtable I hosted last spring as a Senior Fellow in the Harvard Kennedy School Center for Business and Government. The same conversations have included a second concept the FCA is also pursuing, namely that new, high-tech regulation should be introduced gradually and should be optional for the industry. Gradual rollout would enable policymakers to start small and learn, while voluntary adoption opens up a practical road to changing our complex system with minimal disruption.   The FCA’s tech sprint on machine executable reporting ended a few days after we recorded this podcast. They will be sharing its results in the coming months, so be sure to watch for it! Let’s step back and think about what’s underway here. Finance is being transformed from analog to digital design. And, right behind it, so is regulation. Digitization will do for both -- for finance and financial regulation -- what it does for everything else. That is, it will make them faster, better, and cheaper, and will create a new foundation on which people will innovate further, in ways we cannot yet envision. A striking thing about my talk with Nick is how different he sounds from traditional regulators. It’s hard to put your finger on exactly why, but I think it’s mainly the comfort he displays with uncertainty. The same trait was evident in my earlier podcast with Christopher Woolard, who heads the FCA’s innovation strategy. Somehow this agency manages to be simultaneously bold and humble. They know they don’t have this all figured out. They even know they can’t figure it out by themselves. But they also know they can move forward, and that the way to do so is by engaging a community of diverse experts to work together. As Nick says, that can be scary, but the risks come way down, for regulators and everyone else, when solutions are developed collaboratively by people who believe in its potential to make regulation better. I hope this episode finds its way to many regulators, including those in the US where our agencies are actively exploring innovation agendas. Nick says regtech should be easier for regulators than fintech change is. For one thing, the companies leading it are generally not regulated entities, which makes them easier to work with. In addition, no consumers are affected by regtech experimentation. It’s about how the regulators can do their own jobs better, and/or can enable financial companies to do the same. As he puts it, regulators can, therefore, put “a toe in the water,” in regtech, and then move forward. My friend Andrew Burt of Imuta and Yale Law School helped design the FCA’s December sprint and has put out a white paper on it. And here is the FCA’s great video on how tech sprints work. So, I’m not naive. I’ve been a bank regulator, a U.S. Senate staffer, and I’ve worked in regulatory compliance for decades. Technology won’t magically make regulation easy. These solutions won’t fit some types of regulation, and where they do fit, they will inevitably create new problems. We all know all that. Still...Digitally-native regulation. Think about it. More on Nick Cook Nick leads the FCA’s RegTech activities, including the FCA’s TechSprint events - the first events of their kind convened by a financial regulator. He is responsible for creating the FCA’s Analytics Centre of Excellence to drive the organization’s use of data science, machine learning and artificial intelligence.  Nick is the FCA’s representative on the European Securities and Markets Authority’s (ESMA) Financial Innovation Standing Committee and an advisor to the RegTech for Regulators Accelerator Programme. Nick joined the Financial Services Authority (the FCA’s predecessor) in 2009, initially in its Enforcement and Market Oversight Division. Prior to joining the regulator, Nick qualified as a chartered accountant at KPMG Forensic. Other links Podcast with Sanjay Jain on the “India stack” technology Podcast with Miles Reidy on regtech More for our listeners Just before Christmas, I finished my 7 week, three-continent “World Tour.” I think 2017 was the pivotal year for moving both fintech regulation and regtech toward becoming priority issues at regulatory agencies throughout the world. 2018 will take it all to the next level. We’re starting the year with amazing shows in the queue. We’ll have a fascinating London conversation with the charismatic CEO of Starling Bank, Anne Boden; another with Innovate Finance CEO Charlotte Crosswell; and another with a group of amazing innovators working in Europe and Africa, including Ecobank. In the U.S. we’ll have one with Cross River Bank CEO Gilles Gade; with Michael Wiegand, who heads the Gates Foundation’s work on financial services for the poor; with Financial Services Roundtable CEO Tim Pawlenty; and with Nerd Wallet CEO Tim Chen...and many more! I hope to see you at upcoming events including: OCC Bank Information Technology Conference, January 9-12, Washington, DC Innovate Finance Global Summit, March 19-20, London, UK Bank Director, The Reality of Regtech, April 18, New York Texas Bankers Association Annual Conference, May 3, Houston, Texas Comply 2018, May 16, New York As always, please remember to review Barefoot Innovation on iTunes, and sign up to get emails that bring you the newest podcast, newsletter, and blog posts, at jsbarefoot.com. Again, follow me on twitter and facebook.  And please send in your “buck a show” to keep Barefoot Innovation going. And keep innovating! Support our Podcast Jo Ann Subscribe Sign up with your email address to receive news and updates. Email Address Sign Up We respect your privacy. Thank you!

In this episode of the UK’s leading personal finance podcast, Nick:   Briefly discusses the Ashes tour. The passing of Antonio Carluccio. Basks in more glowing reviews for the podcast. Has a special guest interview in the ever-popular “Relationship Hat-Tip” segment. Talks about preparing for another speech he is to give. Witters on about Mrs Miggins of 22 Acacia Avenue, Darlington. Says we are living through the most unreported stock market boom ever.   As Nick often and repeatedly says, the financial press does not exist to help you make informed money decisions. The near-decade long “bull” market in share prices has gone almost completely unnoticed - and unreported. All we have had is a deafening silence from the media. Why?   LINKS:   Costco flowers: highly recommended by TLP (The Lovely Penelope)   ========== Any comments or feedback gratefully received. Likewise with suggestions for future shows. Get in touch with Nick on Twitter or via good old email.   AND LEAVE A FIVE STAR REVIEW ON iTUNES - OR ELSE.   @HatTipNick   info@v2vfp.co.uk   www.v2vfp.co.uk

We hang out with the ONE and ONLY Nick Page! Landscape Photographer extraordinaire and all around great guy, Nick Page joins us for a Photog Adventure Podcast to share the behind the scene stories of three amazing images. His awe-inspiring Aurora capture out in the Palouse earlier this year in May, his shot from Oregon Coast where seagulls were right on top of an incredible wave and won him #5 Landscape Photographer of the Year in the US with it and shared his experience and stories from capturing the Aurora out in Iceland. As Nick shares his story and perseverance to get out there and get his camera to these amazing locations we pick up tips on how to prepare yourself for awesome aurora, crashing waves and how not to sleep when you really want to because the conditions are just right for an amazing night sky. SHOW NOTES Wave Apps Magic Seaweed: https://magicseaweed.com/ Surf Line: iOS Windy: iOS Google Aurora App & Website Aurora Pro: iOS Google AuroraNotifier.com Check out Nick’s Landscape Photography Podcast here: https://www.landscapephotographypodcast.com/ Check out Nick’s Tutorials, Work and Workshops here: http://www.nickpagephotography.com/

In this episode of the UK’s leading personal finance podcast, Nick:   Briefly discusses Brexit, the Mafia & Harvey Weinstein Broaches a new disaster via the ever-popular “Relationship Hat-Tip” segment Talks about Amazon and how it has changed the way we shop. Yet many financial advisers have not changed their business model at all over years and decades How long-overdue change could be coming to financial advice in the UK, when (not if) the next (painful but always temporary) stock market crash occurs Admits to not owning a single David Bowie studio album!   As Nick says, a financial adviser who has a relationship with you built on investment returns is offering you nothing of long-term value. It’s a relationship built around pillars of sand. It will get blown away at some stage!   LINKS:   Twitter exchange started by David Hearne (@dontdelay): www.twitter.com/dontdelay/status/920918481171877889 ========== Any comments or feedback gratefully received. Likewise with suggestions for future shows. Get in touch with Nick on Twitter or via good old email.   AND LEAVE A FIVE STAR REVIEW ON iTUNES - OR ELSE.   @HatTipNick   info@v2vfp.co.uk   www.v2vfp.co.uk

In this episode, Nick: reveals a surefire “Relationship Hat-Tip” discusses how bankruptcy can affect companies, countries and individuals expands on Pay Day loans and misplaced outrage over them wonders exactly what our children are being taught in school witters on about percentages. As Nick says, if our children don’t understand basic percentage mathematics (and therefore won’t “get” the cost of Pay Day loans), then perhaps it is beholden on us as parents to teach them. And there are various ways to do this, thanks to the Internet. LINKS: Book: Theodore Dalrymple’s “Spoilt Rotten” The brilliant Google Keep Online Percentages Quiz ========== Any comments or feedback gratefully received. Likewise with suggestions for future shows. Get in touch with Nick on Twitter or via good old email. AND LEAVE A FIVE STAR REVIEW ON iTUNES - OR ELSE. @HatTipNick info@v2vfp.co.uk www.v2vfp.co.uk

As Nick and Muriel slowly discover the concept of saving money, they decide to spend a day driving to four very different grocery stores to compare prices, quality, music selection, and parking lots.

After three-and-a-half years, and one-hundred-seventy-five episodes, the Down and Nerdy Podcast is being changed forever. As Nick is leaving the show for a job in Los Angeles. The guys get emotional and reflect on their favorite memories, what's next for the podcast, and more. They also review "The Dark Tower," discuss Disney leaving Netflix, and more.

ICFF and Coming to America This is the third and final show coming from ICFF NYC. Nick chats with CEO Richard Munao of NAU Designs and designer Kenneth Cobonpue. As Nick walked through ICFF, these two booths stood out to him. Let's find out why. Meet Richard, Meet Nau Nau (pronounced n-o-w) is a brand new collection, but Richard has been in the industry for around 30 years. He got his start as a cabinet maker. Richard has been to ICFF before, but only as an onlooker to observe to study how the show works. This year though was Nau's international debut and their first foot into the U.S. Richard's hopes to champion Australian design and bring his passion to the world. Nau makes tables, sofas, beds, and chairs out of walnut, oak, and ash, and are testing Australian timbers as well, to see how well they would work exported. Right now the most difficult part of launching Nau is navigating the different distribution network in the United States compared to Australia, and working out who is who in this large country of 50 states. Richard is figuring out the best places to market and ICFF is definitely one of them. He worked with Australian designers and photographers to design their stand and photograph it to make it stand out. Nau's collection integrates an acoustic material to create a quieter environment and weaved screen-like walls which light can pass through.  Their aesthetic creates organic shapes opposed to rectilinear modernity; it's created to be a visual piece within a room. Originally the products were planned to be for the workplace but wineries and jewelry stores have reached out to use them to create intimate spaces. They would also be great in a coffee shop or an airport. Learn more at naudesign.com.au Kenneth Cobonpue Kenneth Cobonpue creates unique handmade furniture that is inspired by nature. He uses sustainable materials, organic fibers and recycled polyethylene for outdoor pieces. He creates indoor and outdoor furniture, lighting, installations, and art. He's been doing this professionally for 15 years but really, it all started when he was just a kid. Kenneth grew up in the Philippines where his mother was a furniture designer from the back of their home. He grew up surrounded by craftsmen who taught him how to use the materials so he could build his own toys and bridges. Later, Kenneth left for Pratt in NYC to study industrial design and then returned to the Philippines to design his own collections, with the same people who made his mother's furniture. His first piece is the yin and yang, a simple cubic chair, which he designed with an open weave for air to flow through littleview obstruction. He has developed this open weave aesthetic and now uses it in all of his products. Kenneth's inspiration comes from nature; if you look through a tree you can see the light passing through its branches and leaves, just like in his frames. ICFF is where Kenneth and his team meet clients, retailers, new designers, and the press. Also, it is where they introduce their new products into the American market. Learn more at kennethcobonpue.com Porcelanosa has started a new trend in hospitality: taking carpet out of rooms and people are LOVING it. Carpet is the culprit that traps and keeps odors so it's a good idea to get rid of it. The only problem though is that when you walk on hard surfaces though, it creates lots of noise for your neighbors. So, Porcelanosa has created a sound underlay system that deadens noise and sound! Virgin Hotels in Chicago have been named the number one hotel in America by because of Porcelanosa's floor system is in every room. If you want to learn more about it visit porcelanosa.usa The Las Vegas Market LIVE Chaise Lounge show is coming soon at a different showroom location each day of Market at 4 pm PT. Nick is meeting with his first ever Chaise Lounge guest Barrie Livingstone, TV star Dann Foley, good friend and Vegas resident Kelli Ellis,

As Nick is still in Denver and Cav is preparing for the big move, we are going to be releasing some of our coverage from the Denver Comic Con panels.  We are starting with the big one with the Justice League Reunion Panel.  Enjoy! Audio courtesy of Denver Comic Con.  If you want to see … Continue reading GTN: E47.2 – DCC Justice League Reunion Panel #justiceleague #denvercomiccon →

Nick Cownie is an Australian mindset change expert, the author of 7 Minute Mindset, and an in-demand speaker, coach, and mentor to thousands of people across the world. As Nick explains, the seven things that most often prevent people from living the lives they want are all contained within the word FAILURE itself, and this is an easy way to remember and recognize them.He’s someone who has helped me personally with my mindset, and I’m excited for him to share his wisdom and insight with you today! Connect With Nick: nickcownie.comNick Cownie on LinkedIn@NickCownie on TwitterNick Cownie on FacebookSuccess Dynamics Institute The Mission Log: [02:54] - Nick starts things off by sharing a little about what he does. He also reveals the impact that the events that occurred the day after he turned 21 have had on his life path. [06:38] - We learn more about how Nick dealt with his PTSD, and how this led him to get involved with neuro-linguistic programming (NLP). [10:58] - What is the fast phobia cure from NLP? As he answers, Nick explains that this cure is also called visual-kinesthetic dissociation. [13:47] - Nick goes into more depth about what he means by “fluff” in NLP, which he has just mentioned he finds to be a problem. [15:55] - Most of Nick’s clients these days are people looking to dramatically increase the effectiveness of their sales team, he explains. He also reveals that you can trace almost any issue anyone has to one of two things: fear and feelings about (lack of) worthiness. [21:06] - Nick points out that very few people are genuinely in a -10 scenario by the scale he has just been talking about. He then discusses how he helps people who are on the negative side of this scale. [24:32] - Nick explains that there are seven things that people do that stop them from living the kind of life they want, which fit into the acronym FAILURE. [25:01] - The first issue in the FAILURE acronym is fear. As he discusses this topic, Nick explores the difference between fear and anxiety. [28:19] - The letter “A” in this acronym stands for attention displacement, which means that you’re putting your attention in the wrong place at the wrong time. [29:53] - “I” stands for indecision. In explaining the role of indecision in not living the life you want, Nick shares a powerful quote: “Every decision should be made within the space of seven breaths.” He then reveals what an incredible difference this concept has made in his life. He and Orion then discuss the importance of exchanging value instead of getting things for free. [37:27] - We’ve now reached the “L” in FAILURE, which is lack of action. The opposite habit of lack of action is not actually just action, but rather consistent action. In explaining this, he talks about making what he calls micro-commitments. [41:50] - “U” stands for unrealistic expectations, which is particularly relevant now in the era of internet marketers. Nick and Orion discuss the Law of Attraction and the importance of taking action. [45:25] - “R” is for repeating patterns. As Nick points out, all six points so far have been internal. [46:08] - “E” stands for external negative influences, and is the first (and only) of the points that is about what happens to you through no doing of your own. [48:28] - What are some quick things listeners can do to break through their own negative habits? The two ways that change happen are inside-out and outside-in, Nick explains. He then offers insight to help listeners immediately start breaking the FAILURE habits. [56:06] - Nick offers his three top tips to living a stellar life. 1. Choose freedom. 2. Defy expectations. 3. Don’t die waiting. [59:06] - Nick lists some ways people can find him online. Links and Resources: nickcownie.comNick Cownie on LinkedIn@NickCownie on TwitterNick Cownie on Facebook7 Minute MindsetSuccess Dynamics InstituteNeuro-linguistic programmingFast phobia cureVisual-kinesthetic dissociationPattern Identification in Chinese medicineGenerative changeThe SecretThe Law of AttractionDr. John Demartini on Stellar LifeAnchoringChris Cornell

  What do you do with a story that's too big to be contained in a book series? This week, we're talking about Horizon, a new multiplatform adventure for 9- to 12-year olds. Joining us in the studio are New York Times bestselling author Scott Westerfeld (Uglies, Leviathan, Afterworlds), game designer Gavin Brown, and editor Nick Eliopulos to talk about the unique approach Scholastic's multiplatform team takes to storytelling. As Nick says, "The books that we love become these spaces that we want to play in."    Additional Resources: Read an excerpt from Horizon by Scott Westerfeld Download the Horizon app on your iOS or Android device Play the Horizon game on your desktop Join in the discussion on the Horizon forums "Underwater Dreams" — the documentary about high school students who compete in a college-level robotics competition "Taking Flight: NASA Prepares to Welcome New Class of Astronauts" Guests: Scott Westerfeld is the #1 New York Times bestselling author of the Uglies series, which has been translated into 35 languages; the Leviathan series; Afterworlds; and many other books for young readers. He was born in Texas, and alternates summers between Sydney, Australia and New York City. Nick Eliopulos is an editor at Scholastic. Gavin Brown is a digital product director at Scholastic. Special thanks: Music composed by Lucas Elliot Eberl Sound mix and editing by Daniel Jordan and Christopher Johnson Produced by Emily Morrow

artisantree.org Last week I shared some of my thoughts on storytelling and how Christian writers can convey a hope that is both miraculous and true to our human experience. This week I invited Nick Barrett, PhD student in theology and literature, to join in on the conversation. Listen in as Nick shares with us how Christian artists and writers have an opportunity to help a disenchanted generation see the world in a whole new way. As Nick states, one hopes that what literary art can and will do is invite people to rethink the world in different terms.

As Nick faced one obstacle after another he knew he was on the right path, and sure enough, days before […]

Diesel Performance Podcast host Nick Priegnitz welcomes Chris Ehmke of Calibrated Power Solutions and Duramaxtuner.com to talk about drop-in turbochargers. What's the difference between drop-in turbochargers when compared to those that require a pedestal, oil lines, and various other components? As Nick and Chris discuss, the manufacturers had a good reason to use the size of charger they did and it relates to driveability, ease of installation, and common sense. But everyone has to experience the blast-off from a big charger, right? 

As Nick wrote in a post last week, he is all for drills. Martin is more of a skeptic. But as usual, there are some common points we can agree on and in this episode they discuss drills and try to find the proper place for them in training. For more on this topic, check out our complete show notes at: http://www.hmmrmedia.com/2016/05/hmmr-podcast-episode-49-to-drill-or-not-to-drill/ If you want to learn more, don't miss out on our upcoming seminar in Ireland with John Kiely and Martin Bingisser on May 14. Or our seminar in the west of England on June 11 with Nick and Martin. You can learn more about both seminars at: http://www.hmmrmedia.com/classroom/

In a desolate world, filled with ash, the city crumbles as all hope is abandoned. The last parent cries out "I should've told my child no!" As Nick takes you on a journey this week, we'll talk about the top 5 things parents are doing wrong and are going to ultimately destroy our future. Sound intrigued? Listen for details. This podcast is...Just Okay Episode 34. Songs Performed By Nick Rose: Blurry By Puddle Of Mudd Rocketship By Motley Crue Nick's Picks Love It: Online Gamer is Coming Out On Blu Ray! Hate It: Rude People, Violence, Clowns PLUGS: kissmembr34@gmail.com facebook.com/thispodcastisjustokay youtube.com/kissmembr34 @ozmusic34 On Twitter kissmembr34 on instagram This Podcast Is...Just Okay on Itunes Collect2display.com

Community is a living organism - it’s always changing. And while it once only existed in a physical place, now it can also exist in just space. Technology has helped communities to evolve and become global. As Nick and Brett both leave Northern California for separate destinations, we explore what community is, why it matters, how we embrace it, and also... how to let it go. We also talk to international educator, Jeff Utecht, to discuss the evolution of communication technology, how we adapt to change, and what’s next? Guest: Jeff Utecht Learn more about Jeff at www.jeffutecht.com Also: www.learning2.org and www.edurolearning.com Twitter: @jutecht JOIN our MAILING LIST by texting the word SMOKE to 66866, or go to our website (www.wheretheressmoke.co). DOWNLOAD & LISTEN directly from iTunes here: http://tinyurl.com/wts-itunes. If you dig the show, please take a moment to rate & review it on iTunes. You can also go to www.wheretheressmoke.co for links to Stitcher, SoundCloud, and/or to stream online.     Connect with the show on Facebook at www.facebook.com/wtspod.

On her fifth wedding anniversary, Amy Elliott Dunne disappears from the home she shares with her husband Nick. As Nick follows the clues she left behind, he becomes the main suspect in her disappearance.

July 25, 2013 – URANU.S.A. With Author & Astrologer Nick Dagan Best.  Nick Dagan Best is an exoteric astrologer, using stories from famous lives to illustrate how each individual's horoscope reflects life events and changes over the years. A student of astrology since 1995, Nick is known as 'the human ephemeris' for his uncanny knowledge of dates in history and their corresponding astrological features.   In today's show, Nick tells us how the planet Uranus (specifically when it's in Gemini) has effected the course of history of the United States by its placement in the charts of historical figures. His new book, URANU.S.A is filled with information and charts to back up his claims that Uranus in the sign of Gemini has had a profound effect on our American history. As Nick says in his book, “The last three instances of Uranus' seven-year transit through Tropical Gemini have coincided intriguingly with three distinct periods of war and social change in the U.S. History.”   Nick's website is: www.nickdaganbest.com

As we begin Rum Doings episode 27 we choose not to talk about Nick Clegg's Big Decision, but instead begin our Rum Doings Campaign: Save Our Fountains. We reveal our surprise liquor for the episode: a purple elixir named Parfait d'Amour. That's lemon flavoured. And makes the best glugging noise ever. Arguments break out about crucial matters, like tree roots, which Ford made cars, and a conversation about cross-dressing. John outlines his altruistic plan to let people know what they look like from behind, find out how to alert smelly people, and then Nick starts sniffing John. No, he does. We really do talk more about dead fountains. And then just as we were about to discover that Jesus invented the skateboard, Nick's phone rings. And then we break your ears. Sorry about that. You'll want to turn it down at this point. We discuss Mr Jobs's iPads device, and why it's a very silly thing. This lasts a while. Then we move on to a particularly splendid moment on Radio 4's You & Yours, and our fondness for the station's blind presenter, Peter Blind. We hate the blind. And all disabled people. And everyone else. And ourselves. We should warn you at this point, the story we go on to tell is of a harrowing nature that will cause the hair to fall out of your children. As Nick says, "revelations of skulduggery."

*Subscribe @ iTunes* Nick Hutson (MusicalTalk.co.uk) takes the helm for Episode 76 and has an enlightening discussion with Broadway & TV's John Tartaglia.  As Nick would put it – “This is a Season Pass Theme Park Geek Fest!”  However, even though John might be a “geek” for theme parks he has much experience within the industry as he discusses his love for parks and attractions, getting some Disney Star treatment, his work behind the magic, and he treats us to a Back Door Pass of the “Muppets Studio” attraction that (unfortunately) never flourished in Disney/MGM Studios Florida.  Doug Barnes also joins Nick for an introduction and closing feedback.  This show is great fun, please enjoy!   Join the fun on the Season Pass Discussion Boards – www.seasonpassforums.com  Check out the website www.seasonpasspodcast.com - Join the  Season Pass Forums when your over there and become our friend on our new MySpace and FaceBook Sites! : ) Contact us: doug@seasonpasspodcast.com brent@seasonpasspodcast.com matt@seasonpasspodcast.com  Call the Hotline with Park Trip Reports, Podcast Comments, or Anything else you would like to announce. – 1-916-248-5524  Thanx to each one of you for listening to the show.  Your support is extremely appreciated. The International Authority on Everything Theme Park Related.  Join a Cast of Experts and Fans Every Week On an Informative  Immersive Experience into the World of Rides, Attractions and Parks. © 2009 Season Pass Podcast