Podcasts about ask justin

I'm doing things a bit differently this week as my 'Ask Justin' episode is just me reading out advice which I've written in a column, over at the patreon. I thought I'd try this approach out. I'm more used to writing for young people over at BISH but I might do more of this kind of thing for adults here too. I also thought this would be a nice complementary episode to the last one with Joy Townsend called Her Sexual Self. To read it head to https://www.patreon.com/posts/54220897 (where you can also sign up to get more benefits)

This weeks' Culture Sex Relationships is the 3rd Ask Justin. You send your questions and I try and give great advice. There are three questions this week. One on sex discrepancies and opening up a relationship to non-monogamy. Second is about BDSM and the risks of practising it when you have a straight laced job. The third one is about disentangling arousal and desire and the role of the sympathetic and parasympathetic nervous system. This last one contains a mention of sexual assault but I don't go into any detail or specifics. If you like this show and would like some more of it, please considering supporting the show on Patreon. patreon.com/culturesexrelationships From just £1 a month would be a great help. If you can afford more so that I can keep as much as this free for others that can't, that would be even better. Thank you! Here are some links I mention For the user guide zines check out megjohnandjustin.com/publications Here's our book https://uk.bookshop.org/books/a-practical-guide-to-sex-finally-helpful-sex-advice/9781785783876 Here's the BDSM survey I mentioned http://cdn.yougov.com/cumulus_uploads/document/h38baes6ei/InternalResults_150209_BDSM_Website.pdf The topping and bottoming books are by Dossie Easton and Janet Hardy http://www.dossieeaston.com/books.html I also mention the Idiot Brain by Dean Burnett, which is great https://uk.bookshop.org/books/the-idiot-brain-a-neuroscientist-explains-what-your-head-is-really-up-to/9781783350827?aid=5561 Meg-John's work on trauma is excellent https://www.rewriting-the-rules.com/self/trauma-and-the-body-basics/

Here are the questions and some of the links I mentioned "Everyone I know and everyone I follow on social media is very pro-vaccines and so I kind of go along with the crowd on this one, without really knowing much, something I’m not proud of and want to change. All of the discourse I see online is very loud and angry and - I’m sure it’s with good reason - but I struggle to build my own stance on it based on this. I was wondering if you could answer something along the lines of ‘How can we practice consent in discussing and making choices around vaccines whilst also protecting each other and especially the most vulnerable in our society?’ I know it’s a big and sensitive topic (especially at the moment) so totally okay if it’s not something you want to tackle right now but thought I’d put it out there just in case." Freedoms and Covid https://www.bishuk.com/relationships/freedoms-and-covid/ Herd immunity https://www.who.int/news-room/q-a-detail/herd-immunity-lockdowns-and-covid-19 Vaccine hesistancy https://www.bmj.com/content/372/bmj.n513 Going with the cognitive grain paper https://www.frontiersin.org/articles/10.3389/fpsyg.2016.01483/full “I work with teenagers in my private practice and run a training course for counsellors wishing to work with C & YP I wonder if you could discuss the following question in an 'Ask Justin' show if you feel it would interest your patreons. How to support under 21's in consensual decision-making re sex? I am particularly interested in the decision-making or not of those YP who say the following ' I have to have sex or they will tell everyone at school I won't' ' It's what you do to keep a relationship' 'blow jobs aren't sex and they are expected of course' I am struck by the lack of their knowledge around consent and choice.” https://www.bishuk.com/can-we-talk-about-consent/ https://www.bishuk.com/tag/consent/ https://bishtraining.com/product/the-consent-teaching-pack/ “In response to your invitation for questions for the podcast, I was thinking recently that maybe it's time to query user guides. I think to the extent that they help people reflect and focus on their own needs and desires, it's really helpful. But I think the concept is a bit limiting. It risks fixing people's understanding of their sexuality, and propagating quite a static model of it. If you understand your sexuality is something that evolves over time, and connecting with another person as something that has a possibility of revealing different aspects of it, I'm not sure how user guides could do this justice?” Our zines https://megjohnandjustin.com/publications/ Our episode on this https://megjohnandjustin.com/you/writing-our-own-scripts/ Deleuze and Guattari episode https://culturepowerpolitics.org/podcasts/ Also latest ACFM https://soundcloud.com/novaramedia/acfm-trip-14-desire

"Hey! I want to say thanks for all your work — it’s great and I’ve recommended this podcast to a bunch of mates. You’re really doing a service here and I’m incredibly appreciative. My question is kinda related to covid bubbles and covid horniness. Is it cool to ask someone you’re bubbling with if they want to have sex? Can you do this in a way which doesn’t mess up the delicate ecosystem of the bubble?/ leaves loads of room for them to say no? And in a way where you can maintain Vibes where you’re comfortable with hanging out whatever the outcome? It seems like there’s pros and cons but wondering what your take is and if you’ve any advice as to how to be really careful with consent around this question." [I realise I answered this question assuming the bubbles live together when they might now, but I think the answer still works] Here were my notes for the answer. Change is inevitable, we're always changing. Even thinking this causes a change. Delicate eco system, how? What processes do you have in place to keep that? How have you navigated the changes? Are you all doing a little bit of work, in an embodied on-going way? Is one person doing a lot of work? What are the rules already about contact, intimacy, sexual chats, flirtation? What is implicit and what is explicit? What would destroy the eco system, what would enhance it? Are delicate eco systems always good? Is there a vibe? God I'm so horny, I wish I could date someone, have they changed sex, I'm so bored of wanking. No vibe no go. Useful to think about what you want from the sex. What kind of sexual, intimate, or sensual contact might do this? Think about what the home means. For some it's a place where it can feel sexy, for others it might really not. Familial warmth, sexy hot times. How might you employ different aspects of your relationship to be able to manage these often competing vibes? Think about your sexuality scale. What meanings does sex have for you? If you're someone who can have friendly sex just like watching a film with a friend or having dinner with them, cool. What about the others? How many are there in a bubble? Who do you want to be involved with? Think about the broader eco system beyond the bubble? Is this just a break glass on case of emergency? What happens after? Is it a fantasy of yours? Acting on crushes - booof First question. I was wondering how you felt about the living situation and how we get on. Open it up to be about all things in the eco system and what's on offer. Say what you want. Having a vague notion that might be up for some sexy times with them is good because if you don't ask you don't get. Ask in a way where there is a range of possible options. Give space and time and allow for awkwardness. If it's not awkward it probably means that someone is going along with something to make you feel at ease. Notice what's going on for you after you've put it out there. What does everyone want the sex to do for them? Something new, excitement, to feel desired, orgasm/pleasure, be in a different headspace, transcend, intense relaxation, to be in a completely different power dynamic (owned, or not in control, not making decisions, sub space) etc. Transactional. One person doing it for another. Expand the range of erotic possibilities that best meet these needs. Start with a couple of things you're both keen on. Red flags for you about sex but also about maintaining the eco system afterwards? Places. Things said. Roles. Sense of an event. A before during after. User guide volume knobs. If you're turning one thing up, do you need to turn other things down? More solo time?

Ain't no klowning around on this episode. Ah, who are we kidding? Skip 25 minutes in again if you want to get to game talk, but you'll miss out on a great "Ask Justin" segment. If you enjoy this show and want to support it/see what else we offer (including an ad-free feed), check out our Patreon at https://www.patreon.com/bitbros --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app

In episode 261 of Financially Simple, Justin and David Kent of Heritage Investors go over Team Management practices during COVID-19. As Small Business Owners plan and ready themselves for when the current crisis passes, it’s important to address Team Management in order to carry out your strategy effectively. Justin and David go over five key points the help Small Business Owners address Team Management. Don’t forget to subscribe, and let us know how we are doing by leaving a review. Thanks for listening! _________________   TIME INDEX: 01:59 - Ask Justin feat. David Kent: 5 Things You Need to Know to Successfully Manage a Team 02:56 - Some Background 04:39 - Be Flexible 07:02 - Have High Expectations and Make Them Crystal Clear 09:40 - Ban Office Politics 12:40 - Empower People 15:31 - Be Nice to Your People 16:29 - Positivity 18:12 - Summary 20:10 - Wrap Up _________________   RESOURCES: Financially Simple Educational Website Financially Simple on YouTube Financially Simple podcasts are recorded on a Blue Yeti Microphone & Samsung Notebook 9. Subscribe to the Financially Simple Newsletter Ask Justin a Question NEW Book: The Ultimate Sale - A Financially Simple Guide to Selling Your Business for Maximum Profit David Kent _________________   BIO: Host Justin Goodbread, Certified Financial Planner, Certified Exit Planning Advisor, Certified Value Growth Advisor. He is a serial entrepreneur, author, speaker, educator, Investopedia Top 100 advisor, and business strategist with over 20 years of experience. Justin owns Heritage Investors LLC, a registered investment adviser with the State of Tennessee. Heritage Investors only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This material is for general information only and is not intended to provide specific advice or recommendations for individuals. To determine what is appropriate for you, please consult a qualified professional. The Financially Simple podcast provides information, guidance, and support to Small Businesses in the United States.

In episode 260 of Financially Simple, Justin and Chris Steward of Heritage Investors look at what’s going in with Oil at the moment. With the Coronavirus reducing demand for products and limiting travel, the knock-on effect with regards to oil futures has been interesting to say the least. Justin and Chris take a look at the causes and discuss an appropriate stance to take against such volatility. Don’t forget to subscribe, and let us know how we are doing by leaving a review. Thanks for listening! _________________   TIME INDEX: 00:50 - Ask Justin feat. Chris Steward: What’s Up and Down and Up with Oil? 03:55 - What is Oil 05:16 - Supply and Demand 06:53 - Creating a Glut 09:16 - The Rebound 10:31 - Buying Oil 12:56 - What the Pros Know 17:14 - Heritage Investors’ Position 19:39 - Conclusion 21:25 - Wrap Up _________________   RESOURCES: Financially Simple Educational Website Financially Simple on YouTube Financially Simple podcasts are recorded on a Blue Yeti Microphone & Samsung Notebook 9. Subscribe to the Financially Simple Newsletter Ask Justin a Question NEW Book: The Ultimate Sale - A Financially Simple Guide to Selling Your Business for Maximum Profit Chris Steward _________________   BIO: Host Justin Goodbread, Certified Financial Planner, Certified Exit Planning Advisor, Certified Value Growth Advisor. He is a serial entrepreneur, author, speaker, educator, Investopedia Top 100 advisor, and business strategist with over 20 years of experience. Justin owns Heritage Investors LLC, a registered investment adviser with the State of Tennessee. Heritage Investors only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This material is for general information only and is not intended to provide specific advice or recommendations for individuals. To determine what is appropriate for you, please consult a qualified professional. The Financially Simple podcast provides information, guidance, and support to Small Businesses in the United States.

In episode 259 of Financially Simple, Justin and David Kent of Heritage Investors go over the strategic planning process. As small business owners start to plan their turnaround strategies, it is important to remind ourselves of the steps needed. Justin and David go over the strategic planning process, breaking it down in this review. Don’t forget to subscribe, and let us know how we are doing by leaving a review. Thanks for listening! _________________   TIME INDEX: 01:36 - Ask Justin feat. David Kent: The Strategic Planning Process 02:38 - What is Strategic Planning 05:26 - Core Values 09:03 - Vision and Mission 10:50 - SWOT Analysis 15:11 - Three Key Objectives 18:31 - Prioritise Objectives 20:36 - Implement the Strategies 22:50 - Wrap Up _________________   RESOURCES: Using the SWOT Analysis to Increase the Value of Your Business Strategic Planning Checklist Financially Simple Educational Website Financially Simple on YouTube Financially Simple podcasts are recorded on a Blue Yeti Microphone & Samsung Notebook 9. Subscribe to the Financially Simple Newsletter Ask Justin a Question NEW Book: The Ultimate Sale - A Financially Simple Guide to Selling Your Business for Maximum Profit David Kent _________________   BIO: Host Justin Goodbread, Certified Financial Planner, Certified Exit Planning Advisor, Certified Value Growth Advisor. He is a serial entrepreneur, author, speaker, educator, Investopedia Top 100 advisor, and business strategist with over 20 years of experience. Justin owns Heritage Investors LLC, a registered investment adviser with the State of Tennessee. Heritage Investors only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This material is for general information only and is not intended to provide specific advice or recommendations for individuals. To determine what is appropriate for you, please consult a qualified professional. The Financially Simple podcast provides information, guidance, and support to Small Businesses in the United States.

In episode 258 of Financially Simple, Justin talks to Jennifer McConnell of July Services about amendments to the Cares Act. The Cares Act is a living document, being altered and improved upon as the situation calls for changes to best help those that the Act is meant to help. Justin and Jennifer go over recent changes to the Act and discuss how business owners can best respond to the changes. Don’t forget to subscribe, and let us know how we are doing by leaving a review. Thanks for listening! _________________   TIME INDEX: 02:56 - Ask Justin featuring Jennifer McConnell: The Cares Act and Qualified Plans 04:52 - Changes to the Cares Act 07:31 - Time and Cost 08:43 - Employee Sponsored Plans 11:54 - Other Changes 14:07 - Defined Benefits 16:42 - Safe Harbour Matches 18:08 - Standard Adjustments 21:59 - Fees 24:47 - Most Common Areas of Adjustment 26:26 - Justin’s Thoughts 35:00 - One Pearl of Wisdom 37:13 - Wrap Up _________________   RESOURCES: Financially Simple Educational Website Financially Simple on YouTube Financially Simple podcasts are recorded on a Blue Yeti Microphone & Samsung Notebook 9. Subscribe to the Financially Simple Newsletter Ask Justin a Question NEW Book: The Ultimate Sale - A Financially Simple Guide to Selling Your Business for Maximum Profit July Services Jennifer McConnell _________________   BIO: Host Justin Goodbread, Certified Financial Planner, Certified Exit Planning Advisor, Certified Value Growth Advisor. He is a serial entrepreneur, author, speaker, educator, Investopedia Top 100 advisor, and business strategist with over 20 years of experience. Justin owns Heritage Investors LLC, a registered investment adviser with the State of Tennessee. Heritage Investors only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This material is for general information only and is not intended to provide specific advice or recommendations for individuals. To determine what is appropriate for you, please consult a qualified professional. The Financially Simple podcast provides information, guidance, and support to Small Businesses in the United States.

In episode 257 of Financially Simple, Justin talks to Steve Waldrop of Wyatt Insurance about reviewing policies. With the Coronavirus lockdown still in effect across much of the world, small business owners should make use of their downtime to review their insurance policies. Justin and Steve discuss the review process of your insurance policies - what to review, things to consider, and planning ahead. Don’t forget to subscribe, and let us know how we are doing by leaving a review. Thanks for listening! Follow along in YouTube: https://www.youtube.com/watch?v=mMHt2qFSCDk _________________   TIME INDEX: 01:37 - Ask Justin featuring Steve Waldrop: Having Trouble Sleeping? Let’s Talk Insurance! 03:59 - The Insurance Review Process 04:53 - Types of Insurance to Review 07:38 - BOP vs. Commercial 09:14 - Planning Ahead 10:28 - Example: Cyber Security 13:32 - Addressing Concerns 15:26 - Business Trajectory 17:49 - Anything Else? 19:57 - One Pearl of Wisdom 21:41 - Wrap Up _________________   RESOURCES: Financially Simple Educational Website Financially Simple on YouTube Financially Simple podcasts are recorded on a Blue Yeti Microphone & Samsung Notebook 9. Subscribe to the Financially Simple Newsletter Ask Justin a Question NEW Book: The Ultimate Sale - A Financially Simple Guide to Selling Your Business for Maximum Profit Wyatt Insurance Steve Waldrop _________________   BIO: Host Justin Goodbread, Certified Financial Planner, Certified Exit Planning Advisor, Certified Value Growth Advisor. He is a serial entrepreneur, author, speaker, educator, Investopedia Top 100 advisor, and business strategist with over 20 years of experience. Justin owns Heritage Investors LLC, a registered investment adviser with the State of Tennessee. Heritage Investors only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This material is for general information only and is not intended to provide specific advice or recommendations for individuals. To determine what is appropriate for you, please consult a qualified professional. The Financially Simple podcast provides information, guidance, and support to Small Businesses in the United States.

In episode 256 of Financially Simple, Justin and David Kent of Heritage Investors discuss the 10 steps of a turnaround Strategy. On your marks, get set, GO! Justin and David list and detail the ten steps a small business owner should go through in order to be ready in the starting blocks for when the gun goes off to get ahead of their competition when business starts to return to normal. Don’t forget to subscribe, and let us know how we are doing by leaving a review. Thanks for listening! _________________   TIME INDEX: 01:26 - Ask Justin featuring David Kent: 10 Moves for a ProactiveTurnaround 01:56 - Write Up Business/Sales/Marketing/Operations Plans 04:56 - Meet With Key Personnel and Advisors 06:06 - Revise Plans 06:48 - Meet With Your Team 08:02 - Meet With Your Customers 08:30 - Meet With Vendors 10:16 - Contact Tax Authorities 11:08 - Contact Your Bank 12:00 - Restructuring Your Team 14:01 - Cut Unnecessary Costs 16:34 - Recap 18:42 - Wrap Up _________________   RESOURCES: Financially Simple Educational Website Financially Simple on YouTube Financially Simple podcasts are recorded on a Blue Yeti Microphone & Samsung Notebook 9. Subscribe to the Financially Simple Newsletter Ask Justin a Question NEW Book: The Ultimate Sale - A Financially Simple Guide to Selling Your Business for Maximum Profit David Kent Financially Simple - Strategic Planning Course _________________   BIO: Host Justin Goodbread, Certified Financial Planner, Certified Exit Planning Advisor, Certified Value Growth Advisor. He is a serial entrepreneur, author, speaker, educator, Investopedia Top 100 advisor, and business strategist with over 20 years of experience. Justin owns Heritage Investors LLC, a registered investment adviser with the State of Tennessee. Heritage Investors only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This material is for general information only and is not intended to provide specific advice or recommendations for individuals. To determine what is appropriate for you, please consult a qualified professional. The Financially Simple podcast provides information, guidance, and support to Small Businesses in the United States.

In episode 255 of Financially Simple, Justin talks with Brandon Jordan of Heritage Investors about downtime planning. With many businesses on hold at the moment leaving business owners with time on their hands, it is important to not sit idle and let this opportunity to plan and strategise go to waste. Justin and Brandon discuss the tactical thinking small business owners should adopt at this time, in order to have their business in a better position when the Coronavirus passes. Don’t forget to subscribe, and let us know how we are doing by leaving a review. Thanks for listening! _________________   TIME INDEX: 01:34 - Ask Justin featuring Brandon Jordan: Getting Business Back to Normal 03:04 - What is a Turnaround vs. a Start Up 04:23 - Demand 06:41 - What to Do in This Downtime 08:10 - Where Will Your Business be in 5 Years 09:42 - The Eisenhower Matrix 13:24 - Highest and Best Use 17:03 - Strategic Planning 21:14 - Those Who Plan Will Succeed 22:53 - One Piece of Advice 23:42 - Wrap Up _________________   RESOURCES: Financially Simple Educational Website Financially Simple on YouTube Financially Simple podcasts are recorded on a Blue Yeti Microphone & Samsung Notebook 9. Subscribe to the Financially Simple Newsletter Ask Justin a Question NEW Book: The Ultimate Sale - A Financially Simple Guide to Selling Your Business for Maximum Profit Brandon Jordan Financially Simple - Strategic Planning Course _________________   BIO: Host Justin Goodbread, Certified Financial Planner, Certified Exit Planning Advisor, Certified Value Growth Advisor. He is a serial entrepreneur, author, speaker, educator, Investopedia Top 100 advisor, and business strategist with over 20 years of experience. Justin owns Heritage Investors LLC, a registered investment adviser with the State of Tennessee. Heritage Investors only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This material is for general information only and is not intended to provide specific advice or recommendations for individuals. To determine what is appropriate for you, please consult a qualified professional. The Financially Simple podcast provides information, guidance, and support to Small Businesses in the United States.

In episode 254 of Financially Simple, Justin discusses Turnaround Strategies with David Kent of Heritage Investors. As the Coronavirus continues to affect our daily lives, it’s important to keep in mind that it will pass, and when it does business owners must be prepared and in a position to get going as soon as possible. Justin and David talk about having a Turnaround Strategy, the stages of the process and steps that a business owner can take. Don’t forget to subscribe, and let us know how we are doing by leaving a review. Thanks for listening! _________________   TIME INDEX: 01:55 - Ask Justin featuring David Kent: Turnaround Strategies 04:09 - Coronavirus Stats 05:53 - Turnaround Management 07:16 - 5 Stages of Turnaround 08:50 - Current Preparedness 10:16 - 4 Strategies 13:14 - Service Profitability 14:48 - Repositioning 15:56 - Replacement 16:54 - Posturing Change 18:39 - Renewal 20:08 - 6 Steps 23:08 - Summary 24:11 - Wrap Up _________________   RESOURCES: Financially Simple Educational Website Financially Simple on YouTube Financially Simple podcasts are recorded on a Blue Yeti Microphone & Samsung Notebook 9. Subscribe to the Financially Simple Newsletter Ask Justin a Question NEW Book: The Ultimate Sale - A Financially Simple Guide to Selling Your Business for Maximum Profit David Kent Financially Simple - Strategic Planning Course _________________   BIO: Host Justin Goodbread, Certified Financial Planner, Certified Exit Planning Advisor, Certified Value Growth Advisor. He is a serial entrepreneur, author, speaker, educator, Investopedia Top 100 advisor, and business strategist with over 20 years of experience. Justin owns Heritage Investors LLC, a registered investment adviser with the State of Tennessee. Heritage Investors only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This material is for general information only and is not intended to provide specific advice or recommendations for individuals. To determine what is appropriate for you, please consult a qualified professional. The Financially Simple podcast provides information, guidance, and support to Small Businesses in the United States.

In episode 253 of Financially Simple, Justin and Andy Huddleston discuss insurance coverage concerns during the COVID-19 crisis. The global Coronavirus pandemic is unprecedented, and as such has taken businesses and business insurers by surprise. Justin and Andy look at the struggles of business owners and of business insurers, and discuss making claims during this period. Don’t forget to subscribe, and let us know how we are doing by leaving a review. Thanks for listening! _________________   TIME INDEX: 00:49 - Ask Justin featuring Andy Huddleston: Loss of Income Insurance Policies 05:05 - Struggles and Concerns of Business Owners 05:59 - What Constitutes ‘Loss of Income’ 08:41 - Who Might be Eligible 11:19 - Natural Disasters 12:58 - Do You Have a Claim 14:59 - Claiming Risks 16:17 - Potential Harm to Insurers 19:38 - Current Trends 22:00 - One Tip 22:55 - One Pearl of Wisdom 25:53 - Wrap Up _________________   RESOURCES: Financially Simple Educational Website Financially Simple on YouTube Financially Simple podcasts are recorded on a Blue Yeti Microphone & Samsung Notebook 9. Subscribe to the Financially Simple Newsletter Ask Justin a Question NEW Book: The Ultimate Sale - A Financially Simple Guide to Selling Your Business for Maximum Profit Wyatt Insurance _________________   BIO: Host Justin Goodbread, Certified Financial Planner, Certified Exit Planning Advisor, Certified Value Growth Advisor. He is a serial entrepreneur, author, speaker, educator, Investopedia Top 100 advisor, and business strategist with over 20 years of experience. Justin owns Heritage Investors LLC, a registered investment adviser with the State of Tennessee. Heritage Investors only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This material is for general information only and is not intended to provide specific advice or recommendations for individuals. To determine what is appropriate for you, please consult a qualified professional. The Financially Simple podcast provides information, guidance, and support to Small Businesses in the United States.

In episode 252 of Financially Simple, Justin talks to Chris Steward CFA about market trends during the COVID-19 pandemic. The Stock Markets are incredibly volatile at the moment, with developments regarding the Coronavirus crisis changing every day. Justin and Chris compare the current market crash to the 2008/09 crash, and discuss leading indicators that might give a clue as to when and how the market might move in the future. Don’t forget to subscribe, and let us know how we are doing by leaving a review. Thanks for listening! _________________   TIME INDEX: 01:33 - Ask Justin featuring Chris Steward: Market Volatility 02:08 - What is a CFA 05:46 - Is This Market Crash Comparable to 2008/09 07:55 - Can it Get Worse 08:35 - Leading Indicators 12:30 - Bear and Bull Markets 14:27 - Reduction to the Ridiculous 17:40 - Time to Buy? 20:50 - One Pearl of Wisdom 23:11 - Wrap Up _________________   RESOURCES: Financially Simple Educational Website Financially Simple on YouTube Financially Simple podcasts are recorded on a Blue Yeti Microphone & Samsung Notebook 9. Subscribe to the Financially Simple Newsletter Ask Justin a Question NEW Book: The Ultimate Sale - A Financially Simple Guide to Selling Your Business for Maximum Profit Chris Steward _________________   BIO: Host Justin Goodbread, Certified Financial Planner, Certified Exit Planning Advisor, Certified Value Growth Advisor. He is a serial entrepreneur, author, speaker, educator, Investopedia Top 100 advisor, and business strategist with over 20 years of experience. Justin owns Heritage Investors LLC, a registered investment adviser with the State of Tennessee. Heritage Investors only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This material is for general information only and is not intended to provide specific advice or recommendations for individuals. To determine what is appropriate for you, please consult a qualified professional. The Financially Simple podcast provides information, guidance, and support to Small Businesses in the United States.

In episode 251 of Financially Simple, Justin talks to Andy Brasfield of the Knoxville chapter of BNI about networking during the COVID-19 pandemic. Due to the ongoing pandemic, and lock-down regulations, many businesses are having to temporarily close their doors or adjust their business strategy. Justin and Andy discuss the importance of networking and establishing connections, in order to be able to get through these trying times. Watch on YouTube: https://youtu.be/wonq_5yXDDE Don’t forget to subscribe, and let us know how we are doing by leaving a review. Thanks for listening! _________________ TIME INDEX: 01:45 - Ask Justin featuring Andy Brasfield: Networking and Making Connections 03:54 - BNI Knoxville 04:52 - What is Networking 05:36 - Prospecting & Networking 07:11 - Who 09:39 - How 12:35 - When 15:03 - Connecting 18:09 - Expanding Your Network 22:36 - One Pearl of Wisdom 25:26 - Wrap Up _________________ RESOURCES: Financially Simple Educational Website Financially Simple on YouTube Financially Simple podcasts are recorded on a Blue Yeti Microphone & Samsung Notebook 9. Subscribe to the Financially Simple Newsletter Ask Justin a Question NEW Book: The Ultimate Sale - A Financially Simple Guide to Selling Your Business for Maximum Profit BNI Knoxville _________________ BIO: Host Justin Goodbread, Certified Financial Planner, Certified Exit Planning Advisor, Certified Value Growth Advisor. He is a serial entrepreneur, author, speaker, educator, Investopedia Top 100 advisor, and business strategist with over 20 years of experience. Justin owns Heritage Investors LLC, a registered investment adviser with the State of Tennessee. Heritage Investors only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This material is for general information only and is not intended to provide specific advice or recommendations for individuals. To determine what is appropriate for you, please consult a qualified professional. The Financially Simple podcast provides information, guidance, and support to Small Businesses in the United States.

In episode 248 of Financially Simple, Justin talks to Scott Cagle of Northstar Church in Knoxville, about keeping perspective in a time of crisis. The Coronavirus pandemic has upended businesses and personal lives, as we live through this unprecedented event. Justin and Scott discuss keeping a level head and maintaining perspective of the bigger picture during this period, knowing that it will pass. Don’t forget to subscribe, and let us know how we are doing by leaving a review. Thanks for listening! _________________   TIME INDEX: 00:56 - Ask Justin featuring Scott Cagle: Perspective Amidst Crisis 04:40 - Communicating Perspective to Your Team 10:59 - Having One Thing to Look Towards to Give Perspective 13:59 - One Piece of Advice 18:38 - One Question to Ask 21:20 - Wrap Up _________________   RESOURCES: Financially Simple Educational Website Financially Simple on YouTube Financially Simple podcasts are recorded on a Blue Yeti Microphone & Samsung Notebook 9. Subscribe to the Financially Simple Newsletter Ask Justin a Question NEW Book: The Ultimate Sale - A Financially Simple Guide to Selling Your Business for Maximum Profit Northstar Church, Knoxville _________________   BIO: Host Justin Goodbread, Certified Financial Planner, Certified Exit Planning Advisor, Certified Value Growth Advisor. He is a serial entrepreneur, author, speaker, educator, Investopedia Top 100 advisor, and business strategist with over 20 years of experience. Justin owns Heritage Investors LLC, a registered investment adviser with the State of Tennessee. Heritage Investors only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This material is for general information only and is not intended to provide specific advice or recommendations for individuals. To determine what is appropriate for you, please consult a qualified professional. The Financially Simple podcast provides information, guidance, and support to Small Businesses in the United States.

In episode 247 of Financially Simple, Justin talks to Gavin Baker of Baker Labs, about best marketing practices while business takes a downturn during the COVID-19 pandemic. As the COVID-19 crisis takes its toll on small businesses, it’s important to keep positive and maintain a presence in your sphere of business. Justin and Gavin look at scaling back on your marketing budget, while keeping engagement with present clients and making connections to potential new clients for when the pandemic is over. Don’t forget to subscribe, and let us know how we are doing by leaving a review. Thanks for listening! _________________   TIME INDEX: 01:26 - Ask Justin featuring Gavin Baker: Small Business Marketing During the COVID-19 Pandemic 03:35 - Should You Stop Marketing 04:32 - Maintaining Momentum 07:21 - The Bare Minimum 10:27 - Jump-Starting a Stalled Marketing Plan 14:32 - Targeting Top Clients 20:18 - Case Example 25:28 - Communication Coaching Tips 29:55 - Marketing Tips & Tricks Going Forward 33:54 - Summary 35:36 - One Piece of Advice 38:28 - Wrap Up _________________   RESOURCES: Financially Simple Educational Website Financially Simple on YouTube Financially Simple podcasts are recorded on a Blue Yeti Microphone & Samsung Notebook 9. Subscribe to the Financially Simple Newsletter Ask Justin a Question NEW Book: The Ultimate Sale - A Financially Simple Guide to Selling Your Business for Maximum Profit Baker Labs Gavin Baker Shoe Dog, by Phil Knight on Audible and Amazon _________________   BIO: Host Justin Goodbread, Certified Financial Planner, Certified Exit Planning Advisor, Certified Value Growth Advisor. He is a serial entrepreneur, author, speaker, educator, Investopedia Top 100 advisor, and business strategist with over 20 years of experience. Justin owns Heritage Investors LLC, a registered investment adviser with the State of Tennessee. Heritage Investors only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This material is for general information only and is not intended to provide specific advice or recommendations for individuals. To determine what is appropriate for you, please consult a qualified professional. The Financially Simple podcast provides information, guidance, and support to Small Businesses in the United States.

In episode 246 of Financially Simple, Justin talks to Allen Brown of the South Carolina Small Business Development Center about the special conditions of SBA Loans made available during the COVID-19 pandemic. Difficult times require exceptional measures, and the Small Business Association is taking those measures to help Small Business Owners during this time. Justin and Allen go over the guidelines, qualifications and terms of the SBA disaster loans that are being made available to Small Business Owners. Don’t forget to subscribe, and let us know how we are doing by leaving a review. Thanks for listening! _________________   TIME INDEX: 01:51 - Ask Justin featuring Allen Brown: SBA Disaster Loans for Small Business Owners 03:51 - What is the SBA 04:24 - What Small Business Owners can Expect 05:25 - Qualifications for Lending 07:01 - Is the SBA Underwriting the Loans 08:59 - Who is Eligible 09:22 - Solopreneurs 11:16 - When is This Available 11:57 - How to Calculate Your Losses 14:41 - Where to Apply 15:33 - How Long Does it Take 17:56 - Further Qualifications 20:11 - What is Included in Fixed Expenses 21:00 - Three Phases of the Program 24:53 - $300 Billion in Lending 25:45 - SBA Bank Approval 29:04 - One Piece of Advice 31:20 - Wrap Up _________________   RESOURCES: Financially Simple Educational Website Financially Simple on YouTube Financially Simple podcasts are recorded on a Blue Yeti Microphone & Samsung Notebook 9. Subscribe to the Financially Simple Newsletter Ask Justin a Question NEW Book: The Ultimate Sale - A Financially Simple Guide to Selling Your Business for Maximum Profit SBDC.org SBA Disaster Loan South Carolina SBDC Allen Brown, SC SBDC _________________   BIO: Host Justin Goodbread, Certified Financial Planner, Certified Exit Planning Advisor, Certified Value Growth Advisor. He is a serial entrepreneur, author, speaker, educator, Investopedia Top 100 advisor, and business strategist with over 20 years of experience. Justin owns Heritage Investors LLC, a registered investment adviser with the State of Tennessee. Heritage Investors only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This material is for general information only and is not intended to provide specific advice or recommendations for individuals. To determine what is appropriate for you, please consult a qualified professional. The Financially Simple podcast provides information, guidance, and support to Small Businesses in the United States.

In episode 245 of Financially Simple, Justin talks to Jon and Wesley, The Dental Guys, about closing down a dental business while taking care of their teams. The current COVID-19 crisis is forcing the hand of many businesses, both small and large, to close and lay-off staff, or where possible pivot into other areas. Justin, Jon, and Wesley discuss how the pandemic has affected their dental practices, and how they have managed the closures and supported their teams. Don’t forget to subscribe, and let us know how we are doing by leaving a review. Thanks for listening! _________________   TIME INDEX: 01:08 - Ask Justin featuring The Dental Guys: Handling the COVID-19 Crisis 03:11 - Decisions Made Due to the Virus 09:27 - Telling the Team 12:30 - Closing Down: The Thinker Approach 18:06 - The Feeler Approach 22:32 - Starting Back Up 29:35 - Retaining Laid-Off Team Members 36:35 - Jon’s One Piece of Advice 41:47 - Wesley’s Advice 45:47 - Wrap Up _________________   RESOURCES: Financially Simple Educational Website Financially Simple on YouTube Financially Simple podcasts are recorded on a Blue Yeti Microphone & Samsung Notebook 9. Subscribe to the Financially Simple Newsletter Ask Justin a Question NEW Book: The Ultimate Sale - A Financially Simple Guide to Selling Your Business for Maximum Profit The Dental Guys Podcast Jonathan Rogers, Rogers Family Dental Wesley Mullins, My Family Dentistry _________________   BIO: Host Justin Goodbread, Certified Financial Planner, Certified Exit Planning Advisor, Certified Value Growth Advisor. He is a serial entrepreneur, author, speaker, educator, Investopedia Top 100 advisor, and business strategist with over 20 years of experience. Justin owns Heritage Investors LLC, a registered investment adviser with the State of Tennessee. Heritage Investors only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This material is for general information only and is not intended to provide specific advice or recommendations for individuals. To determine what is appropriate for you, please consult a qualified professional. The Financially Simple podcast provides information, guidance, and support to Small Businesses in the United States.

In episode 244 of Financially Simple, Justin discusses using Credit to finance a Small Business through the current pandemic with Gerri Detweiler at Nav. Many businesses are experiencing financial challenges at the moment and may need to take on debt to make sure that they can get through the crisis. Justin and Gerri look at choosing credit cards, using debit cards, and what financial assistance is available to Small Business Owners during these times. Don’t forget to subscribe, and let us know how we are doing by leaving a review. Thanks for listening! _________________   TIME INDEX: 01:15 - Ask Justin featuring Gerri Detweiler: Managing Debt and Credit When Financing a Business 02:57 - What is Nav 03:53 - Which Credit Card to Use as a Business Owner 05:44 - Credit Card Rewards 07:59 - Using a Bank vs. Brand Card 10:03 - Using a Business Debit Card 11:18 - At What Point Can the Business Handle the Debt 12:50 - Credit Scores 13:33 - Level Up Requirements 14:53 - Advice to Business Owners 17:17 - Credit Institutions Available 19:07 - One Piece of Advice 20:40 - Wrap Up _________________   RESOURCES: Financially Simple Educational Website Financially Simple on YouTube Financially Simple podcasts are recorded on a Blue Yeti Microphone & Samsung Notebook 9. Subscribe to the Financially Simple Newsletter Ask Justin a Question NEW Book: The Ultimate Sale - A Financially Simple Guide to Selling Your Business for Maximum Profit Gerri Detweiler, Nav.com _________________   BIO: Host Justin Goodbread, Certified Financial Planner, Certified Exit Planning Advisor, Certified Value Growth Advisor. He is a serial entrepreneur, author, speaker, educator, Investopedia Top 100 advisor, and business strategist with over 20 years of experience. Justin owns Heritage Investors LLC, a registered investment adviser with the State of Tennessee. Heritage Investors only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This material is for general information only and is not intended to provide specific advice or recommendations for individuals. To determine what is appropriate for you, please consult a qualified professional. The Financially Simple podcast provides information, guidance, and support to Small Businesses in the United States.

In episode 243 of Financially Simple, Justin talks to Kathryn Cimera of Mallor Grodner Attorneys about the Families First Act. The recently passed Families First Coronavirus Response Act is aimed to assist Business Owners and their employees through the current pandemic. Justin and Kathryn break down the act to its fundamentals to help Business Owners understand it better. Don’t forget to subscribe, and let us know how we are doing by leaving a review. Thanks for listening! _________________   TIME INDEX: 01:06 - Ask Justin featuring Kathryn Cimera: The Families First Coronavirus Response Act 03:06 - Breaking Down The Act 04:54 - How Does the Act Help Cover Your Team 06:58 - Interpreting the Jargon 10:51 - Exemptions 12:49 - Penalties 13:47 - One Piece of Direct Advice 16:04 - Wrap Up _________________   RESOURCES: Financially Simple Educational Website Financially Simple on YouTube Financially Simple podcasts are recorded on a Blue Yeti Microphone & Samsung Notebook 9. Subscribe to the Financially Simple Newsletter Ask Justin a Question NEW Book: The Ultimate Sale - A Financially Simple Guide to Selling Your Business for Maximum Profit Kathryn Cimera, Mallor Groener Attorneys _________________   BIO: Host Justin Goodbread, Certified Financial Planner, Certified Exit Planning Advisor, Certified Value Growth Advisor. He is a serial entrepreneur, author, speaker, educator, Investopedia Top 100 advisor, and business strategist with over 20 years of experience. Justin owns Heritage Investors LLC, a registered investment adviser with the State of Tennessee. Heritage Investors only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This material is for general information only and is not intended to provide specific advice or recommendations for individuals. To determine what is appropriate for you, please consult a qualified professional. The Financially Simple podcast provides information, guidance, and support to Small Businesses in the United States.

In episode 242 of Financially Simple, Justin and John Riley of Dental Revolution discuss marketing strategies Small Business Owners, specifically dental practices can take to weather the COVID-19 pandemic. The COVID-19 outbreak is affecting normal day-to-day life, and businesses both big and small, as measures are taken to reduce it’s spread. Justin and John look at ways to maintain a marketing presence throughout this time in order to be in a position to recover quickly when things get better. Don’t forget to subscribe, and let us know how we are doing by leaving a review. Thanks for listening! _________________   TIME INDEX: 02:31 - Ask Justin featuring John Riley: How to Weather the Storm With the Right Marketing Strategy 04:43 - Why Does Marketing Have Such a Bad Rap With Business Owners 06:10 - Simply Put, What is a Marketing Plan 09:08 - The Four Quadrants 11:14 - What is the Best Method of Marketing 12:22 - How Much to Budget 14:37 - How Long Before Getting an ROI 17:02 - COVID-19 & Marketing 21:33 - Being a Change Agent 23:48 - One Piece of Advice 25:38 - Wrap Up _________________   RESOURCES: Financially Simple Educational Website Financially Simple on YouTube Financially Simple podcasts are recorded on a Blue Yeti Microphone & Samsung Notebook 9. Subscribe to the Financially Simple Newsletter Ask Justin a Question NEW Book: The Ultimate Sale - A Financially Simple Guide to Selling Your Business for Maximum Profit John Riley, Dental Revolution _________________   BIO: Host Justin Goodbread, Certified Financial Planner, Certified Exit Planning Advisor, Certified Value Growth Advisor. He is a serial entrepreneur, author, speaker, educator, Investopedia Top 100 advisor, and business strategist with over 20 years of experience. Justin owns Heritage Investors LLC, a registered investment adviser with the State of Tennessee. Heritage Investors only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This material is for general information only and is not intended to provide specific advice or recommendations for individuals. To determine what is appropriate for you, please consult a qualified professional. The Financially Simple podcast provides information, guidance, and support to Small Businesses in the United States.

In episode 241 of Financially Simple, Justin talks to Biren Patel, owner of Biren Patel Engineering, about running a business with a remote workforce. With the outbreak of the COVID-19 virus, many businesses have shifted to a remote work-from-home setup for their employees in order to reduce the spread of the virus. Justin and Biren discuss setting up a business with a remote workforce, the pros and cons of the system, and important things to consider as a business owner when using this work model. Don’t forget to subscribe, and let us know how we are doing by leaving a review. Thanks for listening! _________________   TIME INDEX: 01:24 - Ask Justin featuring Biren Patel: How to Run a Business with a Remote Workforce 02:56 - The How & Why of Having a Remote Workforce 04:35 - The Remote Work Experience 06:21 - Tips to Separate Work from Home Life 08:51 - Does a Work-From-Home System Help Attract and Retain Employees 11:54 - Best Practices for Businesses and Employees 16:32 - Are Different Performance Metrics Required 17:57 - Remote Communications 21:14 - Insurance 22:29 - The Importance of Having a Great Team 23:41 - One Piece of Advice 26:02 - Wrap Up _________________   RESOURCES: Financially Simple Educational Website Financially Simple on YouTube Financially Simple podcasts are recorded on a Blue Yeti Microphone & Samsung Notebook 9. Subscribe to the Financially Simple Newsletter Ask Justin a Question NEW Book: The Ultimate Sale - A Financially Simple Guide to Selling Your Business for Maximum Profit LinkedIn: Biren Patel Biren Patel Engineering _________________   BIO: Host Justin Goodbread, Certified Financial Planner, Certified Exit Planning Advisor, Certified Value Growth Advisor. He is a serial entrepreneur, author, speaker, educator, Investopedia Top 100 advisor, and business strategist with over 20 years of experience. Justin owns Heritage Investors LLC, a registered investment adviser with the State of Tennessee. Heritage Investors only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This material is for general information only and is not intended to provide specific advice or recommendations for individuals. To determine what is appropriate for you, please consult a qualified professional. The Financially Simple podcast provides information, guidance, and support to Small Businesses in the United States.

In episode 240 of Financially Simple, Justin talks to Paula Harriss, a Business Leadership Coach. Many listeners have asked for some insight on a difficult topic as a Small Business Owner - having the right Leadership, and being able to communicate the vision for their business to the Team Members and keep them focused. Justin discusses the issues of Leadership with Paula, covering sharing the vision as well as working with difficult Team Members. Don’t forget to subscribe, and let us know how we are doing by leaving a review. Thanks for listening! _________________   TIME INDEX: 01:07 - Ask Justin featuring Paula Harriss: Business Leadership 02:20 - What Does it Take to be a Leader 04:58 - “Whatever it Takes” in 5 Steps 07:24 - Which Step Do Leaders Often fail to Address 08:39 - How to Set The Vision of Your Business 11:06 - Training Programs 14:08 - How to Handle Team Members Who do not Share the Vision 18:18 - Employee Conducted Meetings 20:03 - How to Deal With Saboteurs 24:19 - Deciding to Terminate 25:36 - Additional Advice 26:47 - Wrap Up _________________   RESOURCES: Financially Simple Educational Website Financially Simple on YouTube Financially Simple podcasts are recorded on a Blue Yeti Microphone & Samsung Notebook 9. Subscribe to the Financially Simple Newsletter Ask Justin a Question NEW Book: The Ultimate Sale - A Financially Simple Guide to Selling Your Business for Maximum Profit Paula Harriss Business Coaching _________________   BIO: Host Justin Goodbread, Certified Financial Planner, Certified Exit Planning Advisor, Certified Value Growth Advisor. He is a serial entrepreneur, author, speaker, educator, Investopedia Top 100 advisor, and business strategist with over 20 years of experience. Justin owns Heritage Investors LLC, a registered investment adviser with the State of Tennessee. Heritage Investors only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This material is for general information only and is not intended to provide specific advice or recommendations for individuals. To determine what is appropriate for you, please consult a qualified professional. The Financially Simple podcast provides information, guidance, and support to Small Businesses in the United States.

In episode 239 of Financially Simple, Justin talks to Michael Gamboli of Partridge, Snow & Hahn LLP, about the Family First Act. The Family First Act is due for publication in the next few days, but in that time it has changed and will continue to change according to government recommendations. Justin talks to Michael about the meaning of the Act and how it will affect Business Owners and their Employees, as it currently stands, and how Business Owners can make the most of the Act. Don’t forget to subscribe, and let us know how we are doing by leaving a review. Thanks for listening! _________________   TIME INDEX: 01:17 - Ask Justin featuring Michael Gamboli: How Does the Family First Act Affect Small Business Owners as Employers 02:29 - Sick Leave: How It Works 04:09 - The Two Parts 05:38 - Healthcare Providers & Emergency Responders Exemption 07:03 - Pre-Emptive Layoffs 09:35 - What is The Benefit Amount 10:48 - Does the Act Benefit the Owner/Self-Employed 11:58 - One Piece of Advice for Business Owners 13:49 - Concluding Thoughts 17:05 - Wrap Up _________________   RESOURCES: Financially Simple Educational Website Financially Simple on YouTube Financially Simple podcasts are recorded on a Blue Yeti Microphone & Samsung Notebook 9. Subscribe to the Financially Simple Newsletter Ask Justin a Question NEW Book: The Ultimate Sale - A Financially Simple Guide to Selling Your Business for Maximum Profit Michael Gamboli, PSH LLC PSH: Family First Act PSH: COVID-19 Advisory Group _________________   BIO: Host Justin Goodbread, Certified Financial Planner, Certified Exit Planning Advisor, Certified Value Growth Advisor. He is a serial entrepreneur, author, speaker, educator, Investopedia Top 100 advisor, and business strategist with over 20 years of experience. Justin owns Heritage Investors LLC, a registered investment adviser with the State of Tennessee. Heritage Investors only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This material is for general information only and is not intended to provide specific advice or recommendations for individuals. To determine what is appropriate for you, please consult a qualified professional. The Financially Simple podcast provides information, guidance, and support to Small Businesses in the United States.

In episode 238 of Financially Simple, Justin talks to Brandon Jordan of Heritage Investors to go over the recently published Family First Act regarding Medical Practitioners. As a result of the COVID-19 crisis, government has recently passed a bill to assist Small Business Owners and Medical Practitioners that were not prepared, to weather this storm. Justin and Brandon go over a few issues that might have caused Small Business Owners to have been caught out by the crisis, and look at Section 602 of the Family First Act that will help those in difficulty. Don’t forget to subscribe, and let us know how we are doing by leaving a review. Thanks for listening! _________________   TIME INDEX: 01:07 - Ask Justin featuring Brandon Jordan: What About the Business Owner Who Wasn’t Prepared? 03:21 - Why Do Some Business Owners Duck Their Heads in the Sand 04:12 - How Are Entrepreneurs Reacting to the Current Crisis 07:20 - Cashflow: Personal & Business 13:27 - Entrepreneurial Ingenuity 18:01 - Mindset Matters 22:10 - Family First Act: Section 602 - Medical Practitioners 31:58 - Working With Vendors 33:19 - Wrap Up _________________   RESOURCES: Financially Simple Educational Website Financially Simple on YouTube Financially Simple podcasts are recorded on a Blue Yeti Microphone & Samsung Notebook 9. Subscribe to the Financially Simple Newsletter Ask Justin a Question NEW Book: The Ultimate Sale - A Financially Simple Guide to Selling Your Business for Maximum Profit Brandon Jordan, Heritage Investors Family First Act _________________   BIO: Host Justin Goodbread, Certified Financial Planner, Certified Exit Planning Advisor, Certified Value Growth Advisor. He is a serial entrepreneur, author, speaker, educator, Investopedia Top 100 advisor, and business strategist with over 20 years of experience. Justin owns Heritage Investors LLC, a registered investment adviser with the State of Tennessee. Heritage Investors only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This material is for general information only and is not intended to provide specific advice or recommendations for individuals. To determine what is appropriate for you, please consult a qualified professional. The Financially Simple podcast provides information, guidance, and support to Small Businesses in the United States.

In episode 237 of Financially Simple, Justin talks to Chris Mahan of Mahan Associates on how Medical Practitioners like dentists, chiropractors, and optometrists can weather the current COVID-19 crisis. Many Medical Practitioners, as well as other types of small businesses, are feeling the pinch as the COVID-19 pandemic spreads. Justin and Chris talk about what Medical Business owners like dentists, chiropractors, and optometrists should be looking at, checking, and preparing for, to get through the coming weeks. Don’t forget to subscribe, and let us know how we are doing by leaving a review. Thanks for listening! _________________   TIME INDEX: 01:23 - Ask Justin featuring Chris Mahan: Advice to Medical Entrepreneurs During the COVID-19 Crisis 03:48 - The Main Thing to Keep in Mind During These Times 05:15 - Today’s Agenda 06:22 - Cashflow 11:34 - Balance Sheet Management 15:56 - Insurance 21:25 - Investing 27:58 - Practice Management 30:16 - Time Off for Employees 33:15 - How to Turn This into a Positive 42:18 - Increasing the Working Week 44:54 - Wrap Up _________________ RESOURCES: Mahan Associates LLC, Healthcare Business Professionals Family First - HR 6201 Financially Simple Educational Website Financially Simple on YouTube Subscribe to the Financially Simple Newsletter Ask Justin a Question NEW Book: The Ultimate Sale - A Financially Simple Guide to Selling Your Business for Maximum Profit Financially Simple podcasts are recorded on a Blue Yeti Microphone & Samsung Notebook 9. _________________ BIO: Host Justin Goodbread, Certified Financial Planner, Certified Exit Planning Advisor, Certified Value Growth Advisor. He is a serial entrepreneur, author, speaker, educator, Investopedia Top 100 advisor, and business strategist with over 20 years of experience. Justin owns Heritage Investors LLC, a registered investment adviser with the State of Tennessee. Heritage Investors only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This material is for general information only and is not intended to provide specific advice or recommendations for individuals. To determine what is appropriate for you, please consult a qualified professional. The Financially Simple podcast provides information, guidance, and support to Small Businesses in the United States.

In episode 236 of Financially Simple, Justin talks to Chris Steward of Heritage Investors about the current movements in the markets caused by COVID-19. In recent days (March 2020) the local and international markets have seen significant drops, along with a big price drop in Oil. Justin sits down with Chris to discuss the causes behind the market drop, and where the markets might go from there. Don’t forget to subscribe, and let us know how we are doing by leaving a review. Thanks for listening! _________________   TIME INDEX: 01:00 - Chris Steward of Heritage Investors discusses market fluctuations due to the Coronavirus 03:06 - What Triggered the Decline? 05:26 - Comparable to 2007-08 Crash 06:27 - Is a Recession Coming? 08:02 - How Do Recent Market Trades Compare to Past Events 09:46 - How Much Further Can it Go: Is Now a Time to Invest 12:11 - Cause of the Rapid Decline 13:49 - Chris’ Final Thoughts 15:14 - Wrap Up _________________   RESOURCES: Financially Simple Educational Website Financially Simple on YouTube Financially Simple podcasts are recorded on a Blue Yeti Microphone & Samsung Notebook 9. Subscribe to the Financially Simple Newsletter Ask Justin a Question NEW Book: The Ultimate Sale - A Financially Simple Guide to Selling Your Business for Maximum Profit Chris Steward, CFA CFP at Heritage Investors _________________   BIO: Host Justin Goodbread, Certified Financial Planner, Certified Exit Planning Advisor, Certified Value Growth Advisor. He is a serial entrepreneur, author, speaker, educator, Investopedia Top 100 advisor, and business strategist with over 20 years of experience. Justin owns Heritage Investors LLC, a registered investment adviser with the State of Tennessee. Heritage Investors only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This material is for general information only and is not intended to provide specific advice or recommendations for individuals. To determine what is appropriate for you, please consult a qualified professional. The Financially Simple podcast provides information, guidance, and support to Small Businesses in the United States.

In episode 235 of Financially Simple, Justin looks at how the Covid-19 epidemic is affecting the stock market. The Novel Coronavirus (2019) is a cause for concern, with a number of listeners asking the same question: How will it affect the Markets? Justin takes a look at the history of the virus to date, as well as its effect on local and international markets, and gives his 2¢ on whether to buy, sell, or hold your market options. If you have any questions about anything covered here: https://financiallysimple.com/ask-justin/ Overwhelmed and need help? Let's talk: https://financiallysimple.com/work-with-us/ _________________   TIME INDEX: 01:19 - Ask Justin: What Are Your Thoughts on the Coronavirus Outbreak and the Markets? 02:37 - What is a "Corona?" 04:59 - The Covid-19 Virus 06:28 - Effect on the Markets So Far 09:49 - Spread of the Virus 13:33 - Knock-On Effects 15:09 - Justin’s Thoughts 18:12 - Preventing Infection 18:50 - Future Market Movements 21:29 - Wrap Up _________________   RESOURCES: Coronavirus Podcast #1 Financially Simple Educational Website Financially Simple on YouTube Financially Simple podcasts are recorded on a Blue Yeti Microphone & Samsung Notebook 9. Subscribe to the Financially Simple Newsletter Ask Justin a Question NEW Book: The Ultimate Sale - A Financially Simple Guide to Selling Your Business for Maximum Profit Youtube: Coronavirus Causing a Stock Market Crash? REALLY?! John Hopkins University Covid-19 Map _________________   BIO: Host Justin Goodbread, Certified Financial Planner, Certified Exit Planning Advisor, Certified Value Growth Advisor. He is a serial entrepreneur, author, speaker, educator, Investopedia Top 100 advisor, and business strategist with over 20 years of experience. Justin owns Heritage Investors LLC, a registered investment adviser with the State of Tennessee. Heritage Investors only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This material is for general information only and is not intended to provide specific advice or recommendations for individuals. To determine what is appropriate for you, please consult a qualified professional. The Financially Simple podcast provides information, guidance, and support to Small Businesses in the United States.

In episode 234 of Financially Simple, Justin answers a question on Retirement. A listener of the podcast asks, How Much Do I Need to Retire. Justin breaks down his answer into the Key Points that you should consider when trying to determine how much is necessary. Don’t forget to subscribe, and let us know how we are doing by leaving a review. Thanks for listening! _________________   TIME INDEX: 01:49 - Ask Justin: How Much Money Do I Need to Retire? 03:16 - What is Your Current Lifestyle Like 04:59 - What Would You Like Your Retirement Lifestyle to be Like 06:14 - Your Current Asset Level 07:36 - Life Expectancy 09:48 - Rate of Return From Assets 11:37 - What Will Your Tax Bracket Be 12:46 - What About Debt 13:36 - Many Changeable Variables 17:10 - Wrap Up _________________   RESOURCES: Financially Simple Educational Website Financially Simple on YouTube Financially Simple podcasts are recorded on a Blue Yeti Microphone & Samsung Notebook 9. Subscribe to the Financially Simple Newsletter Ask Justin a Question NEW Book: The Ultimate Sale - A Financially Simple Guide to Selling Your Business for Maximum Profit   _________________   BIO: Host Justin Goodbread, Certified Financial Planner, Certified Exit Planning Advisor, Certified Value Growth Advisor. He is a serial entrepreneur, author, speaker, educator, Investopedia Top 100 advisor, and business strategist with over 20 years of experience. Justin owns Heritage Investors LLC, a registered investment adviser with the State of Tennessee. Heritage Investors only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This material is for general information only and is not intended to provide specific advice or recommendations for individuals. To determine what is appropriate for you, please consult a qualified professional. The Financially Simple podcast provides information, guidance, and support to Small Businesses in the United States.

In episode 233 of Financially Simple, Justin answers a listener’s question on Saving for Retirement. As an employee of a business, you might have a Pension Plan, but it is also a good idea to have your own Savings Plan in place, just in case. Justin compares Gross Income to Net Income, and considers how much is enough to put aside each month, as well as providing some insight into Pension Plans and why it’s a good idea mohave your own Savings Plan. Don’t forget to subscribe, and let us know how we are doing by leaving a review. Thanks for listening! _________________   TIME INDEX: 02:12 - Ask Justin: Is $500 per Month Enough for an Investment Saving Plan? 04:22 - Gross Income vs. Net Income 05:47 - Is 15% Enough 08:30 - Savings And Taxes 10:51 - Pension Plans 14:43 - Are You Saving Enough? 16:03 - Wrap Up _________________   RESOURCES: Financially Simple Educational Website Financially Simple on YouTube Financially Simple podcasts are recorded on a Blue Yeti Microphone & Samsung Notebook 9. Subscribe to the Financially Simple Newsletter Ask Justin a Question NEW Book: The Ultimate Sale - A Financially Simple Guide to Selling Your Business for Maximum Profit Investopedia - 3 Ways You Could Lose Your Pension & How To Fight Back _________________   BIO: Host Justin Goodbread, Certified Financial Planner, Certified Exit Planning Advisor, Certified Value Growth Advisor. He is a serial entrepreneur, author, speaker, educator, Investopedia Top 100 advisor, and business strategist with over 20 years of experience. Justin owns Heritage Investors LLC, a registered investment adviser with the State of Tennessee. Heritage Investors only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This material is for general information only and is not intended to provide specific advice or recommendations for individuals. To determine what is appropriate for you, please consult a qualified professional. The Financially Simple podcast provides information, guidance, and support to Small Businesses in the United States.

In episode 232 of Financially Simple, Justin talks to Scott Snider of the Exit Planning Institute about working in a second generation family business. Coming into a family-owned business, whether second generation or older can be a trying experience - maintaining family ties through good communication, receiving offers, and expanding the business can test family bonds. Justin and Scott discuss what it’s like to come into a family business, and how best to manage the stresses that might occur. Don’t forget to subscribe, and let us know how we are doing by leaving a review. Thanks for listening! _________________   TIME INDEX: 01:04 - Ask Justin featuring Scott Snider: What is it Like to Work in a Family Business as the Second Generation? 03:31 - Selling Your First Business 05:45 - Receiving an Unsolicited Offer 07:24 - Lessons Learned 13:33 - The Value Acceleration Method 14:46 - Communication 20:00 - Once Piece of Advice 21:30 - Wrap Up _________________   RESOURCES: Financially Simple Educational Website Financially Simple on YouTube Financially Simple podcasts are recorded on a Blue Yeti Microphone & Samsung Notebook 9. Subscribe to the Financially Simple Newsletter Ask Justin a Question NEW Book: The Ultimate Sale - A Financially Simple Guide to Selling Your Business for Maximum Profit Every Family’s Business by Dr. Thomas William Deans OwnerReadiness.com Certified Exit Planning Advisor Program _________________   BIO: Host Justin Goodbread, Certified Financial Planner, Certified Exit Planning Advisor, Certified Value Growth Advisor. He is a serial entrepreneur, author, speaker, educator, Investopedia Top 100 advisor, and business strategist with over 20 years of experience. Justin owns Heritage Investors LLC, a registered investment adviser with the State of Tennessee. Heritage Investors only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This material is for general information only and is not intended to provide specific advice or recommendations for individuals. To determine what is appropriate for you, please consult a qualified professional. The Financially Simple podcast provides information, guidance, and support to Small Businesses in the United States.

In episode 231 of Financially Simple, Justin answers a question on handling finances when planning to save and starting a business at the same time. If you’re debt-free and have a modest life-style, and are planning on starting a business as well as start saving for retirement - what is the best way to utilize the excess income to best achieve those goals? Justin breaks down the question, addressing each part, and gives his advice on taking on good debt when starting a business. Don’t forget to subscribe, and let us know how we are doing by leaving a review. Thanks for listening! _________________   TIME INDEX: 01:22 - Ask Justin: How Should I Prioritize Excess Income When Starting a business, and Can I Grow My Savings at the Same Time? 03:46 - A Different Perspective 05:20 - Prioritizing Goals 07:14 - Maximising Finances 14:06 - Starting a Business 17:10 - Savings Growth 19:27 - Wrap Up _________________   RESOURCES: Financially Simple Educational Website Financially Simple on YouTube Financially Simple podcasts are recorded on a Blue Yeti Microphone & Samsung Notebook 9. Subscribe to the Financially Simple Newsletter Ask Justin a Question NEW Book: The Ultimate Sale - A Financially Simple Guide to Selling Your Business for Maximum Profit _________________   BIO: Host Justin Goodbread, Certified Financial Planner, Certified Exit Planning Advisor, Certified Value Growth Advisor. He is a serial entrepreneur, author, speaker, educator, Investopedia Top 100 advisor, and business strategist with over 20 years of experience. Justin owns Heritage Investors LLC, a registered investment adviser with the State of Tennessee. Heritage Investors only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This material is for general information only and is not intended to provide specific advice or recommendations for individuals. To determine what is appropriate for you, please consult a qualified professional. The Financially Simple podcast provides information, guidance, and support to Small Businesses in the United States.

In episode 230 of Financially Simple, Justin welcomes back Jonathan Mills Patrick to the podcast to discuss the pros and cons of being an Entrepreneur. In an earlier Ask Justin episode, the question of whether or not to become an Entrepreneur over an Employee was asked. Justin and Jonathan revisit the question, and compare the pros and cons of following either route. Don’t forget to subscribe, and let us know how we are doing by leaving a review. Thanks for listening! _________________   TIME INDEX: 01:18: Ask Justin feat. Jonathan Mills Patrick: Should I Become an Entrepreneur? 04:24 - The Pros and Cons of Being an Employee 08:13 - Employee Job Satisfaction 11:22 - The Pros and Cons of Being an Entrepreneur 14:02 - How to Choose Which Way is for You 17:01 - Do Your Research 18:20 - A Career Path is Not a Straight Line 22:35 - Conclusion 28:05 - Wrap Up _________________   RESOURCES: Financially Simple Educational Website Financially Simple on YouTube Financially Simple podcasts are recorded on a Blue Yeti Microphone & Samsung Notebook 9. Subscribe to the Financially Simple Newsletter Ask Justin a Question NEW Book: The Ultimate Sale - A Financially Simple Guide to Selling Your Business for Maximum Profit Jonathan Mills Patrick.com The Ladder or The Grind by Jonathan Mills Patrick on Amazon _________________   BIO: Host Justin Goodbread, Certified Financial Planner, Certified Exit Planning Advisor, Certified Value Growth Advisor. He is a serial entrepreneur, author, speaker, educator, Investopedia Top 100 advisor, and business strategist with over 20 years of experience. Justin owns Heritage Investors LLC, a registered investment adviser with the State of Tennessee. Heritage Investors only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This material is for general information only and is not intended to provide specific advice or recommendations for individuals. To determine what is appropriate for you, please consult a qualified professional. The Financially Simple podcast provides information, guidance, and support to Small Businesses in the United States.

In episode 229 of Financially Simple, Justin answers a question on when to hire a Financial Planner. Cindy asks, At what point should I consider hiring a Financial Planner - How much should I be making to necessitate having one? Justin goes over a few factors that you might consider when thinking about hiring a Financial Planner, and gives his own opinion on when it’s best to do so. Don’t forget to subscribe, and let us know how we are doing by leaving a review. Thanks for listening! _________________   TIME INDEX: 01:25 - Ask Justin: Do I Make Enough to Necessitate Wealth Management Services? 04:38 - When Does it NOT Make Sense to Have a Financial Planner? 05:28 - How Mush Money Do You Need to Hire a Financial Expert? 05:42 - Based on Income 07:47 - Based on Age 09:04 - Based on Debt 09:44 - The Generation Gap 14:09 - Conclusion _________________   RESOURCES: Financially Simple Educational Website Financially Simple on YouTube Financially Simple podcasts are recorded on a Blue Yeti Microphone & Samsung Notebook 9. Subscribe to the Financially Simple Newsletter Ask Justin a Question NEW Book: The Ultimate Sale - A Financially Simple Guide to Selling Your Business for Maximum Profit _________________   BIO: Host Justin Goodbread, Certified Financial Planner, Certified Exit Planning Advisor, Certified Value Growth Advisor. He is a serial entrepreneur, author, speaker, educator, Investopedia Top 100 advisor, and business strategist with over 20 years of experience. Justin owns Heritage Investors LLC, a registered investment adviser with the State of Tennessee. Heritage Investors only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This material is for general information only and is not intended to provide specific advice or recommendations for individuals. To determine what is appropriate for you, please consult a qualified professional. The Financially Simple podcast provides information, guidance, and support to Small Businesses in the United States.

In episode 228 of Financially Simple, Justin answers a listener’s question on inheriting a Family Business. Jack has taken over his late father’s business, and asks for guidance on whether he should continue with the business and grow it further or sell it. Justin gives advice based on his own experiences as a business owner and a financial advisor to other business owners. Don’t forget to subscribe, and let us know how we are doing by leaving a review. Thanks for listening! _________________   TIME INDEX: 01:13 - Ask Justin: I’ve Inherited a Family Business, Should I Sell It or Grow It? 03:47 - A Few Things To Consider 07:09 - Owning A Business In The Real World 10:25 - The Responsibility 14:54 - Personal Choices 17:35 - Summary _________________   RESOURCES: Financially Simple Educational Website Financially Simple on YouTube Financially Simple podcasts are recorded on a Blue Yeti Microphone & Samsung Notebook 9. Subscribe to the Financially Simple Newsletter Ask Justin a Question NEW Book: The Ultimate Sale - A Financially Simple Guide to Selling Your Business for Maximum Profit _________________   BIO: Host Justin Goodbread, Certified Financial Planner, Certified Exit Planning Advisor, Certified Value Growth Advisor. He is a serial entrepreneur, author, speaker, educator, Investopedia Top 100 advisor, and business strategist with over 20 years of experience. Justin owns Heritage Investors LLC, a registered investment adviser with the State of Tennessee. Heritage Investors only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This material is for general information only and is not intended to provide specific advice or recommendations for individuals. To determine what is appropriate for you, please consult a qualified professional. The Financially Simple podcast provides information, guidance, and support to Small Businesses in the United States.

In episode 227 of Financially Simple, Justin gazes into his crystal ball to answer a listener’s question on predicting the stock market during an election year. Tiffany asked, How does the Stock Market react during a Presidential Election Year? Justin looks at different studies that have tried to analyse the market’s movements, in order to predict outcomes. Don’t forget to subscribe, and let us know how we are doing by leaving a review. Thanks for listening! _________________   TIME INDEX: 01:45 - Ask Justin: How Does the Stock Market React During a Presidential Election Year? 03:06 - Not The First To Ask This, And Won’t Be The Last 04:13 - A Way to Beat the Market 06:49 - Past Performance in not Indicative of Future Results 08:49 - CAN the Presidential Election Actually Influence the Stock Market? 11:23 - The Pepperdine Study 1942-2002 14:32 - Bear Markets 15:34 - Conclusion 18:34 - Wrap Up _________________   RESOURCES: Ask Justin a Question Financially Simple Educational Website Financially Simple on YouTube Financially Simple podcasts are recorded on a Blue Yeti Microphone & Samsung Notebook 9. Subscribe to the Financially Simple Newsletter NEW Book: The Ultimate Sale - A Financially Simple Guide to Selling Your Business for Maximum Profit The Pepperdine Study 1942-2002 _________________   BIO: Host Justin Goodbread, Certified Financial Planner, Certified Exit Planning Advisor, Certified Value Growth Advisor. He is a serial entrepreneur, author, speaker, educator, Investopedia Top 100 advisor, and business strategist with over 20 years of experience. Justin owns Heritage Investors LLC, a registered investment adviser with the State of Tennessee. Heritage Investors only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This material is for general information only and is not intended to provide specific advice or recommendations for individuals. To determine what is appropriate for you, please consult a qualified professional. The Financially Simple podcast provides information, guidance, and support to Small Businesses in the United States.

In episode 226 of Financially Simple, Justin answers two questions from different listeners, relating to his own business practices. Cindy asks Justin, How do you as a Business Owner handle the stresses of running your business; and Himan asks, How do you handle decisions and doubt? Justin has a candid “fireside chat” about these issues, and how he personally deals with them. Don’t forget to subscribe, and let us know how we are doing by leaving a review. Thanks for listening! _________________   TIME INDEX: 01:41 - Ask Justin: How Do You, Justin, Handle The Stresses Of Being a Business Owner 03:24 - Guard Your Heart And Mind 05:56 - Have a Positive Mindset 07:41 - Keep Good Counsel 08:32 - There’s Always a Way 11:39 - Doubt In Your Vision 16:22 - How To Make Decisions 20:14 - Wrap Up _________________   RESOURCES: Ask Justin a Question Financially Simple Educational Website Financially Simple on YouTube Financially Simple podcasts are recorded on a Blue Yeti Microphone & Samsung Notebook 9. Subscribe to the Financially Simple Newsletter NEW Book: The Ultimate Sale - A Financially Simple Guide to Selling Your Business for Maximum Profit _________________   BIO: Host Justin Goodbread, Certified Financial Planner, Certified Exit Planning Advisor, Certified Value Growth Advisor. He is a serial entrepreneur, author, speaker, educator, Investopedia Top 100 advisor, and business strategist with over 20 years of experience. Justin owns Heritage Investors LLC, a registered investment adviser with the State of Tennessee. Heritage Investors only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This material is for general information only and is not intended to provide specific advice or recommendations for individuals. To determine what is appropriate for you, please consult a qualified professional. The Financially Simple podcast provides information, guidance, and support to Small Businesses in the United States.

In episode 225 of Financially Simple, Justin answers a listener’s question on what steps to take if you receive an offer for your business. Charlie asks Justin, what steps should I take to decide if I should accept an offer for my business? Justin explains what factors to assess in your personal life, and within the business itself, to determine whether or not the business should be sold. Don’t forget to subscribe, and let us know how we are doing by leaving a review. Thanks for listening! _________________   TIME INDEX: 01:40 - Ask Justin: What Steps Should I Take To Decide If I Should Accept An Offer To Buy  My business? 03:19 - Review Your Current Financial Position 03:42 - What Total Income Do You Need 05:02 - Life Expectancy 06:33 - Is Your Business Sellable? 07:46 - What If Your Business Isn’t Sellable Yet 08:58 - Will The Sale Cover Retirement 10:42 - Plan Ahead 12:06 - Wrap Up _________________   RESOURCES: Ask Justin a Question Financially Simple Educational Website Financially Simple on YouTube Financially Simple podcasts are recorded on a Blue Yeti Microphone & Samsung Notebook 9. Subscribe to the Financially Simple Newsletter NEW Book: The Ultimate Sale - A Financially Simple Guide to Selling Your Business for Maximum Profit Blog Post: The Re-Trade In A Business Sale _________________   BIO: Host Justin Goodbread, Certified Financial Planner, Certified Exit Planning Advisor, Certified Value Growth Advisor. He is a serial entrepreneur, author, speaker, educator, Investopedia Top 100 advisor, and business strategist with over 20 years of experience. Justin owns Heritage Investors LLC, a registered investment adviser with the State of Tennessee. Heritage Investors only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This material is for general information only and is not intended to provide specific advice or recommendations for individuals. To determine what is appropriate for you, please consult a qualified professional. The Financially Simple podcast provides information, guidance, and support to Small Businesses in the United States.

In episode 224 of Financially Simple, Justin and guest co-host Jeff Jeter look at the personal finance needs of Retirement. Podcast listener Sarah asks, How Do I Determine How Much I Need to Retire? Justin and Jeff look at the personal and business criteria, as well as other considerations to take into account when determining How Much. Don’t forget to subscribe, and let us know how we are doing by leaving a review. Thanks for listening! _________________   TIME INDEX: 03:09 - Ask Justin & Jeff: How Do I Determine How Much I Need To Retire? 03:45 - What Does Your Retirement Look Like 06:21 - Domestic & Business Expenses 08:36 - How Much Will You Spend In Retirement 10:11 - How Long Will Retirement Last 12:57 - Other Considerations 13:36 - Financial Calculators 16:20 - How To Work It Out For Yourself 18:39 - Summary _________________   RESOURCES: Ask Justin a Question Financially Simple Educational Website Financially Simple on YouTube Financially Simple podcasts are recorded on a Blue Yeti Microphone & Samsung Notebook 9. Subscribe to the Financially Simple Newsletter NEW Book: The Ultimate Sale - A Financially Simple Guide to Selling Your Business for Maximum Profit _________________   BIO: Host Justin Goodbread, Certified Financial Planner, Certified Exit Planning Advisor, Certified Value Growth Advisor. He is a serial entrepreneur, author, speaker, educator, Investopedia Top 100 advisor, and business strategist with over 20 years of experience. Justin owns Heritage Investors LLC, a registered investment adviser with the State of Tennessee. Heritage Investors only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This material is for general information only and is not intended to provide specific advice or recommendations for individuals. To determine what is appropriate for you, please consult a qualified professional. The Financially Simple podcast provides information, guidance, and support to Small Businesses in the United States.

In episode 223 of Financially Simple, Justin answers a listener’s question on tools for Small Businesses. Shaun asks which software applications and tools are useful for Small/Medium Business Owners, to help run the business? Justin lists some of the tools that are used in his business, Heritage Investors, and gives advice on what matters. Don’t forget to subscribe, and let us know how we are doing by leaving a review. Thanks for listening! _________________   TIME INDEX: 01:15 - Ask Justin: What are the Best Tools for a Small Business? 02:05 - CRM System 03:16 - Communications 04:16 - Operations 06:59 - Risk Management 08:01 - Retail & Inventory 08:37 - Value Growth 09:36 - Industry Specific 10:10 - Tools Are Just Tools 12:15 - The Best Tool 13:53 - Wrap Up _________________   RESOURCES: Ask Justin a Question Financially Simple Educational Website Financially Simple on YouTube Financially Simple podcasts are recorded on a Blue Yeti Microphone & Samsung Notebook 9. Subscribe to the Financially Simple Newsletter NEW Book: The Ultimate Sale - A Financially Simple Guide to Selling Your Business for Maximum Profit _________________   BIO: Host Justin Goodbread, Certified Financial Planner, Certified Exit Planning Advisor, Certified Value Growth Advisor. He is a serial entrepreneur, author, speaker, educator, Investopedia Top 100 advisor, and business strategist with over 20 years of experience. Justin owns Heritage Investors LLC, a registered investment adviser with the State of Tennessee. Heritage Investors only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This material is for general information only and is not intended to provide specific advice or recommendations for individuals. To determine what is appropriate for you, please consult a qualified professional. The Financially Simple podcast provides information, guidance, and support to Small Businesses in the United States.

In episode 222 of Financially Simple, Justin answers the second part of a question regarding plans for the new year. Tim asks, “What is the numbering thing I should be doing right now in my Personal Finances, and Business?” Justin addresses the second part of the question, regarding Business plans, and briefly goes over the need for Strategic Planning. Don’t forget to subscribe, and let us know how we are doing by leaving a review. Thanks for listening! _________________   TIME INDEX: 01:27 - Ask Justin: What Should I Be Doing Right Now in my Business Finances? 03:18 - Get a Handle on Your Business by Planning 06:48 - What is Strategic Planning? 11:04 - Why Does it Matter? 13:48 - In Summary 15:07 - Wrap Up _________________   RESOURCES: Financially Simple's Strategic Planning Course Ask Justin a Question Financially Simple Educational Website Financially Simple on YouTube Financially Simple podcasts are recorded on a Blue Yeti Microphone & Samsung Notebook 9. Subscribe to the Financially Simple Newsletter NEW Book: The Ultimate Sale - A Financially Simple Guide to Selling Your Business for Maximum Profit _________________   BIO: Host Justin Goodbread, Certified Financial Planner, Certified Exit Planning Advisor, Certified Value Growth Advisor. He is a serial entrepreneur, author, speaker, educator, Investopedia Top 100 advisor, and business strategist with over 20 years of experience. Justin owns Heritage Investors LLC, a registered investment adviser with the State of Tennessee. Heritage Investors only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This material is for general information only and is not intended to provide specific advice or recommendations for individuals. To determine what is appropriate for you, please consult a qualified professional. The Financially Simple podcast provides information, guidance, and support to Small Businesses in the United States.

In episode 221 of Financially Simple, Justin answers a question regarding plans for the new year. Tim asks, “What is the numbering thing I should be doing right now in my Personal Finances, and Business?” Justin gives his opinion for having a fresh start to the year 2020, and addresses the issue of Personal Finances in this first part of of the answer. Don’t forget to subscribe, and let us know how we are doing by leaving a review. Thanks for listening! _________________   TIME INDEX: 01:58 - Ask Justin: What Should I Be Doing Right Now in my Personal Finances? 02:52 - 2020, a Fresh Start 04:16 - Have a Clear Vision 08:55 - What do YOU Want to Accomplish? 13:16 - Wrap Up _________________   RESOURCES: Ask Justin a Question Financially Simple Educational Website Financially Simple on YouTube Financially Simple podcasts are recorded on a Blue Yeti Microphone & Samsung Notebook 9. Subscribe to the Financially Simple Newsletter NEW Book: The Ultimate Sale - A Financially Simple Guide to Selling Your Business for Maximum Profit _________________   BIO: Host Justin Goodbread, Certified Financial Planner, Certified Exit Planning Advisor, Certified Value Growth Advisor. He is a serial entrepreneur, author, speaker, educator, Investopedia Top 100 advisor, and business strategist with over 20 years of experience. Justin owns Heritage Investors LLC, a registered investment adviser with the State of Tennessee. Heritage Investors only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This material is for general information only and is not intended to provide specific advice or recommendations for individuals. To determine what is appropriate for you, please consult a qualified professional. The Financially Simple podcast provides information, guidance, and support to Small Businesses in the United States.

In episode 220 of Financially Simple, Justin answers a question about having a Health Reimbursement Arrangement. A listener of the podcast asks: I am a CPA about to get clients involved in a Spouse-Only HRA - What did you mean in your article “You must have a health plan to participate”? Justin responds, explaining what HRAs are, how they work, and what rules apply. Don’t forget to subscribe, and let us know how we are doing by leaving a review. Thanks for listening! _________________   TIME INDEX: 01:08 - Ask Justin: The HRA 01:55 - The Question 02:25 - Hiring a Spouse as an Employee 03:58 - What is an HRA? 05:18 - 1: The Business Sets a Monthly Allowance Amount 10:33 - 2: Employees Buy What Fit Their Personal Needs 11:15 - 3: Employees Submit Proof of Purchase 12:26 - 4: The Business Reimburses Employees 12:50 - Answering The Question 17:09 - Special Rules 19:19 - Summary _________________   RESOURCES: Ask Justin a Question Ask Justin a Question Financially Simple Educational Website Financially Simple on YouTube Financially Simple podcasts are recorded on a Blue Yeti Microphone & Samsung Notebook 9. Subscribe to the Financially Simple Newsletter NEW Book: The Ultimate Sale - A Financially Simple Guide to Selling Your Business for Maximum Profit Article: Hiring a Spouse as an Employee… A Smart Option with Many Benefits Article: Group Health Insurance for Businesses IRS Publication 502 _________________   BIO: Host Justin Goodbread, Certified Financial Planner, Certified Exit Planning Advisor, Certified Value Growth Advisor. He is a serial entrepreneur, author, speaker, educator, Investopedia Top 100 advisor, and business strategist with over 20 years of experience. Justin owns Heritage Investors LLC, a registered investment adviser with the State of Tennessee. Heritage Investors only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This material is for general information only and is not intended to provide specific advice or recommendations for individuals. To determine what is appropriate for you, please consult a qualified professional. The Financially Simple podcast provides information, guidance, and support to Small Businesses in the United States.

In episode 219 of Financially Simple, Justin answers a question posed to him by a listener of the podcast. Listener of the podcast, Allan - recently divorced and coming up to retirement, poses the question: How should I go about starting an investment fund with my specific situation, and what are the costs? Justin goes over the question and gives his suggestions for a plan of action. Don’t forget to subscribe, and let us know how we are doing by leaving a review. Thanks for listening! _________________   TIME INDEX: 00:45 - Listener Questions: Starting an Investment 02:38 - Allan’s Question 04:23 - Breaking it Down 07:13 - Taxes, Income, and Benefits 09:00 - Home Improvement vs. Saving 12:27 - Retirement Ready? 16:31 - A Plan of Action 18:10 - Investment Fees 22:07 - Wrap Up _________________   RESOURCES: Ask Justin a Question Financially Simple Educational Website Financially Simple on YouTube Financially Simple podcasts are recorded on a Blue Yeti Microphone & Samsung Notebook 9. Subscribe to the Financially Simple Newsletter NEW Book: The Ultimate Sale - A Financially Simple Guide to Selling Your Business for Maximum Profit _________________   BIO: Host Justin Goodbread, Certified Financial Planner, Certified Exit Planning Advisor, Certified Value Growth Advisor. He is a serial entrepreneur, author, speaker, educator, Investopedia Top 100 advisor, and business strategist with over 20 years of experience. Justin owns Heritage Investors LLC, a registered investment adviser with the State of Tennessee. Heritage Investors only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This material is for general information only and is not intended to provide specific advice or recommendations for individuals. To determine what is appropriate for you, please consult a qualified professional. The Financially Simple podcast provides information, guidance, and support to Small Businesses in the United States.

In episode 218 of Financially Simple, Justin answers a question posed to him by a listener of the podcast. Listener of the podcast, Adam from Grand Rapids MI, poses the question: Should I pay off my house early and invest until retirement, or sell and buy my retirement home with the plan to have it paid up by retirement? Justin breaks down the question, bit by bit, and gives his take on the matter. Don’t forget to subscribe, and let us know how we are doing by leaving a review. Thanks for listening! _________________   TIME INDEX: 01:21 - Ask Justin: Q&A Session 02:09 - Getting in Touch to Ask a Question 03:45 - Adam’s Question: Should I Stay or Should I Sell? 05:52 - Breaking it Down 17:26 - The Big Question 24:47 - Justin’s Take 27:08 - Wrap Up _________________   RESOURCES: Ask Justin a Question Financially Simple Educational Website Financially Simple on YouTube Financially Simple podcasts are recorded on a Blue Yeti Microphone & Samsung Notebook 9. Subscribe to the Financially Simple Newsletter NEW Book: The Ultimate Sale - A Financially Simple Guide to Selling Your Business for Maximum Profit _________________   BIO: Host Justin Goodbread, Certified Financial Planner, Certified Exit Planning Advisor, Certified Value Growth Advisor. He is a serial entrepreneur, author, speaker, educator, Investopedia Top 100 advisor, and business strategist with over 20 years of experience. Justin owns Heritage Investors LLC, a registered investment adviser with the State of Tennessee. Heritage Investors only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This material is for general information only and is not intended to provide specific advice or recommendations for individuals. To determine what is appropriate for you, please consult a qualified professional. The Financially Simple podcast provides information, guidance, and support to Small Businesses in the United States.

Christ in Youth, our exclusive podcast partner!!!! For info about CIY CLICK HERE Register for next webcast with Kurt and Justin ciy.com/askusanything Get on the BEST EMAIL LIST IN THE UNIVERSE- CLICK HERE! Free Graphics for Choctober!!! Who is on this episode: Kurt Johnston Justin Herman  Linktr.ee/heyjustinherman Angie Rodenberg Kathleen Edleman   Episode Timestamp Outline: Angie Rodenberg shares her top 5 Christian communicators (00:00-5:10) Kurt and Justin answer 3 random questions (6:00-11:00) CIY CAMPS REGISTRATION START OCTOBER 1 ciy.com/askusanything—3 weeks—Ask Justin and Kurt ANYTHING (Seriously) The Time Machine (15:21-18:30) Youth Pastor Compensation Survey (18:32-24:24:36)     Take it here! Justin has a BIG announcement! (26:00) Kathleen Edleman I said this you heard that book (31:00-1:13:40) Kathleen and Clay Scroggins Interview Dont forget to take the Youth Pastor Compensation Survey Take the Survey: http://bit.ly/ChaosYPSurvey19    PODCAST WE ARE PART OF THE YOUTH MINISTRY PODCAST NETWORK, Linktree is HERE!          There are great podcasts which make up the Youth Ministry Podcast Network.  For more info on the network and to check out other podcasts check them out on Instagram or Twitter @youthministryPN or our website youthministrypodcastnetwork.com  Go to linktr.ee/controlledchaospodcast for all our links!    Meet the HOST! Justin Herman Go to Linktr.ee/heyjustinherman for all his links!  Question or Show ideas? Email Justin! Controlled Chaos Podcast: A junior high ministry podcast for youth workers! Thank you for tuning in.  The work youth workers do hard work, thank you! Thank you for taking the time to get a little more equipped to do Junior High or Middle School Ministry in your Youth Ministry or Student Ministry at your church.  Keep it up!    

Justin may not be the first person you should get advice from, but he will give his opinion anyway! Ask Justin for some advice by emailing ShutUpWithNickAndJustin@gmail.com FOLLOW US!!! Twitter: @NickAdamsTweets & @PartTimeJustin Insta: NickAdamsPics & PartTimeJustin Snap: NickAdamsSnaps & MJustinCh Learn more about your ad choices. Visit megaphone.fm/adchoices

Homesteader Justin Rhodes of AbundantPermaculture.com takes on the question -  Basic advice, suggestions and learnings on breeding chickens on the homestead? To learn more about Justin and see all of the ASK Justin episodes visit permaculturevoices.com/justin.   Support the show at permaculturevoices.com/support.

Homesteader Justin Rhodes of AbundantPermaculture.com takes on the question - Any advice for processing one to two birds at a time on a homestead level without having to purchase a bunch of equipment? To learn more about Justin and see all of the ASK Justin episodes visit permaculturevoices.com/justin. Support the show at permaculturevoices.com/support.

Homesteader Justin Rhodes of AbundantPermaculture.com takes on the question - I have noticed that your kids do a lot of work on the farm, what has been yall's approach to introducing the kids to work and chores on the farm? To learn more about Justin and see all of the ASK Justin episodes visit permaculturevoices.com/justin.   Support the show at permaculturevoices.com/support.

Homesteader Justin Rhodes of AbundantPermaculture.com takes on the question - You have been raising turkeys for a few months now - how has it been, and has it been worth it? To learn more about Justin and see all of the ASK Justin episodes visit permaculturevoices.com/justin.   Support the show at permaculturevoices.com/support.

Homesteader Justin Rhodes of AbundantPermaculture.com takes on the question - You recently finished your series of 100 days of raising food, what are some of the things that you learned over those 100 days? To learn more about Justin and see all of the ASK Justin episodes visit permaculturevoices.com/justin.   Support the show at permaculturevoices.com/support.

Homesteader Justin Rhodes of AbundantPermaculture.com takes on the question - Homesteader Justin Rhodes of AbundantPermaculture.com takes on the question - When you first started the vlog, what was the goal? To learn more about Justin and see all of the ASK Justin episodes visit permaculturevoices.com/justin Support the show at permaculturevoices.com/support

Homesteader Justin Rhodes of AbundantPermaculture.com takes on the question - What advice would you have for someone who wanted to start vlogging? To learn more about Justin and see all of the ASK Justin episodes visit permaculturevoices.com/justin. Support the show at permaculturevoices.com/support.

Homesteader Justin Rhodes of AbundantPermaculture.com takes on the question - As a homesteader, how have you decided to educate your kids - traditional schooling, alternative schooling, homeschool?  And why? To learn more about Justin and see all of the ASK Justin episodes visit permaculturevoices.com/justin.   Support the show at permaculturevoices.com/support.

Homesteader Justin Rhodes of AbundantPermaculture.com takes on the question - You have kids, how do you work from home and get anything done? To learn more about Justin and see all of the ASK Justin episodes visit permaculturevoices.com/justin. Support the show at permaculturevoices.com/support.

Homesteader Justin Rhodes of AbundantPermaculture.com talks about creating Permaculture Chickens live on stage at PV3. To learn more about Justin and see all of the ASK Justin episodes visit permaculturevoices.com/justin. Support the show at permaculturevoices.com/support.

Homesteader Justin Rhodes of AbundantPermaculture.com takes on the question - If you are processing broilers on a homestead level, what type of equipment do you think you need? To learn more about Justin and see all of the ASK Justin episodes visit permaculturevoices.com/justin. Support the show at permaculturevoices.com/support.

Homesteader Justin Rhodes of AbundantPermaculture.com takes on the question - What are the areas on the homestead where it pays to pay up and not go cheap? To learn more about Justin and see all of the ASK Justin episodes visit permaculturevoices.com/justin. Support the show at permaculturevoices.com/support.

Homesteader Justin Rhodes of AbundantPermaculture.com takes on the question - How much room do chickens actually need to roost? To learn more about Justin and see all of the ASK Justin episodes visit permaculturevoices.com/justin.

Homesteader Justin Rhodes of AbundantPermaculture.com takes on the question - I notice you give your chickens fermented or soaked grains each morning.  Can you give us the recipe on what grains you use?  And the process? To learn more about Justin and see all of the ASK Justin episodes visit permaculturevoices.com/justin. Support the show at permaculturevoices.com/support.

Homesteader Justin Rhodes of AbundantPermaculture.com takes on the question - Cutting your grocery bill, by raising your own food - what gives you the most bang for your buck? To learn more about Justin and see all of the ASK Justin episodes visit permaculturevoices.com/justin. Support the show at permaculturevoices.com/support.

Homesteader Justin Rhodes of AbundantPermaculture.com takes on the question - I am thinking want to leave my job and start a homestead, what are my options for cash flowing it? To learn more about Justin and see all of the ASK Justin episodes visit permaculturevoices.com/justin. Support the show at permaculturevoices.com/support.

Homesteader Justin Rhodes of AbundantPermaculture.com takes on the question - I am a homesteader, but I don’t have a blog or VLOG.  Should I, and why? To learn more about Justin and see all of the ASK Justin episodes visit permaculturevoices.com/justin. Support the show at permaculturevoices.com/support.

Homesteader Justin Rhodes of AbundantPermaculture.com takes on the idea of I don't know enough to be an expert on a subject.  How do you deal with the idea of the expert myth? To learn more about Justin and see all of the ASK Justin episodes visit permaculturevoices.com/justin. Support the show at permaculturevoices.com/support.

Homesteader Justin Rhodes of AbundantPermaculture.com talks about his journey creating Permaculture Chickens. To learn more about Justin and see all of the ASK Justin episodes visit permaculturevoices.com/justin. Support the show at permaculturevoices.com/support.

Homesteader Justin Rhodes of AbundantPermaculture.com takes on the question: What are some criteria to consider when selecting a homestead site? To learn more about Justin and see all of the ASK Justin episodes visit permaculturevoices.com/justin.

Homesteader Justin Rhodes of AbundantPermaculture.com takes on the question: I want to produce most of my own food. Is that crazy talk? To learn more about Justin and see all of the ASK Justin episodes visit permaculturevoices.com/justin. Support the show at permaculturevoices.com/support.

Homesteader Justin Rhodes of AbundantPermaculture.com shares 7 Challenges and Concerns of Homesteading with Kids. To learn more about Justin and see all of the ASK Justin episodes visit permaculturevoices.com/justin.

Homesteader Justin Rhodes of AbundantPermaculture.com talks what to do when you spouse isn't into the idea of being a homesteader. To learn more about Justin and see all of the ASK Justin episodes visit permaculturevoices.com/justin. Support the show at permaculturevoices.com/support.

Homesteader Justin Rhodes of AbundantPermaculture.com talks how he prioritizes projects on his homestead. To learn more about Justin and see all of the ASK Justin episodes visit permaculturevoices.com/justin. Support the show at permaculturevoices.com/support.

Homesteader Justin Rhodes of AbundantPermaculture.com talks what he wish knew before becoming a homesteader. To learn more about Justin and see all of the ASK Justin episodes visit permaculturevoices.com/justin. Support the show at permaculturevoices.com/support.

Homesteader Justin Rhodes of AbundantPermaculture.com talks about what types of chicken breeds are good for eggs and what type of breeds are good for meat on the homestead. To learn more about Justin and see all of the ASK Justin episodes visit permaculturevoices.com/justin. Support the show at permaculturevoices.com/support.

Homesteader Justin Rhodes of AbundantPermaculture.com talks about what you should feed your new baby chicks. To learn more about Justin and see all of the ASK Justin episodes visit permaculturevoices.com/justin.

Homesteader Justin Rhodes of AbundantPermaculture.com talks about what you should feed your new baby chicks. To learn more about Justin and see all of the ASK Justin episodes visit permaculturevoices.com/justin. Support the show at permaculturevoices.com/support.

Homesteader Justin Rhodes of AbundantPermaculture.com talks about what type of electric fence and charger he uses on his homestead. To learn more about Justin and see all of the ASK Justin episodes visit permaculturevoices.com/justin. Support the show at permaculturevoices.com/support.

Homesteader Justin Rhodes of AbundantPermaculture.com goes over ways to protect your chickens from predators.To learn more about Justin and see all of the ASK Justin episodes visit permaculturevoices.com/justin.

Homesteader Justin Rhodes of AbundantPermaculture.com goes over 20 reasons why your chickens might not be laying eggs. To learn more about Justin and see all of the ASK Justin episodes visit permaculturevoices.com/justin.

Homesteader Justin Rhodes of AbundantPermaculture.com talks about how he feeds his 30 chickens for just $1.25 per day. To learn more about Justin and see all of the ASK Justin episodes visit permaculturevoices.com/justin.

Chris O'Leary shares what to look for in dominant & durable pitching and hitting mechanics. Plus Justin Stone answers a tough Ask Justin question about specialization.

John T. Reed shares his unique, contrarian—and sometimes controversial—youth baseball strategies. Plus, Justin Stone of elitebaseball.tv answers another question from our "Ask Justin" page about the ideal number and length of practices. Don't forget to give us an honest review & rating on iTunes!

Kyle Nelson of Cornerstone Coaching Academy shares his offseason strength & conditioning program for youth baseball, particularly high school players. Plus, Justin Stone of elitebaseball.tv answers his first "Ask Justin" question. If you like the podcast, please give an honest review and rating! It will help the show tremendously. Thanks for your support!