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Mike Johnson and Beau Morgan react to ESPN putting out a list of the top 10 safeties in the NFL as voted on by league scouts, executives and coaches, react to Atlanta Falcons safety Jessie Bates III being ranked as the fifth best safety and Falcons other safety Xavier Watts being in the ‘Honorable Mentions' category, and explain why they think the Falcons having both Jessie Bates and Xavier Watts is a luxury they must capitalize on.
Niko Moreno joins Jeremiah to analyze the performance of Mexico, Canada and the United States' performances in the World Cup. The two also discuss how the international soccer atmosphere was magical and that the local Seattle clubs need to really capitalize on that momentum for long-term fan retention and not let it just fade into the history books.Follow Niko Moreno on BlueSky and YouTube.Sponsor
Niko Moreno joins Jeremiah to analyze the performance of Mexico, Canada and the United States' performances in the World Cup. The two also discuss how the international soccer atmosphere was magical and that the local Seattle clubs need to really capitalize on that momentum for long-term fan retention and not let it just fade into the history books.Follow Niko Moreno on BlueSky and YouTube.Sponsor
Web3 Academy: Exploring Utility In NFTs, DAOs, Crypto & The Metaverse
Web3 Academy: Exploring Utility In NFTs, DAOs, Crypto & The Metaverse
Web3 Academy: Exploring Utility In NFTs, DAOs, Crypto & The Metaverse
Web3 Academy: Exploring Utility In NFTs, DAOs, Crypto & The Metaverse
Web3 Academy: Exploring Utility In NFTs, DAOs, Crypto & The Metaverse
Web3 Academy: Exploring Utility In NFTs, DAOs, Crypto & The Metaverse
Web3 Academy: Exploring Utility In NFTs, DAOs, Crypto & The Metaverse
Are you struggling to fill your pipeline? Many sales professionals are hesitant to ask for referrals because they fear it comes across as self-serving or uncomfortable. In this episode of The Selling Podcast, Scott and Mike break down the three most effective strategies to turn satisfied customers into your best advocates, proving that asking for referrals doesn't have to be forced—it just requires the right timing and approach.The Three Keys to Asking for Referrals1. Capitalize on the "Success Moment": Timing is everything. The best time to ask for a referral is during the "euphoria" phase—that moment when your customer is experiencing a successful outcome and is genuinely excited about the solution you provided. Don't wait for a follow-up call; seize the moment when the client is already praising your work.2. Ask for Specific Individuals: Avoid being vague. Instead of asking if a company knows of other organizations that could use your services, ask for the names of specific individuals. This makes it easier to draw a personal connection and target someone who may have moved to a different department or organization.3. Facilitate a "Soft Introduction": Lower the risk for your client by requesting a low-pressure connection, such as a LinkedIn introduction, an email copy, or even a casual lunch. When asking for this, encourage the client to share the emotion they felt—how they felt before you solved their problem versus how they feel now.Pro-Tips for Seamless ReferralsThe "Soft Open": Set the stage early. Within the first ten minutes of a conversation, gently mention that you help others in similar situations. This prepares the client for the eventual request once they achieve their own "success moment".Lead with Emotion: People connect with stories, not just stats. When a client refers you, it is far more powerful when they share their emotional journey: "I was frustrated, but now I feel free". Teach your clients to frame their recommendations with that same passion and feeling.Be Sincere: Authenticity is your best tool. Your clients know you are in business to make money, but if you focus on genuinely sharing the success and solving problems for others, the referral becomes a natural, helpful extension of the relationship.SEO Tagssales podcast, referral marketing, sales pipeline, sales tips, lead generation, customer success, sales strategy, relationship building, consultative sales, business growth, The Selling Podcast, professional development
Web3 Academy: Exploring Utility In NFTs, DAOs, Crypto & The Metaverse
Web3 Academy: Exploring Utility In NFTs, DAOs, Crypto & The Metaverse
Web3 Academy: Exploring Utility In NFTs, DAOs, Crypto & The Metaverse
Bump & Stacy talk about the Mariners being the best team statistically in baseball and how it does not really feel like that is the case. // Headline Rewrites: Cal hit another home run last night for the Rainiers and is expected to rejoin the Mariners next week. The Seahawks received their Super Bowl rings last night. The Seahawks received their Super Bowl rings last night. // In preparation for the USMNT’s first group match, we go through some thoughts from John Strong ahead of the World Cup. // Bump & Stacy break down what a good road trip for the Mariners would look like.
Web3 Academy: Exploring Utility In NFTs, DAOs, Crypto & The Metaverse
ITL examines Nate Tice's latest observations and whether Houston is built for where the league is heading.
Web3 Academy: Exploring Utility In NFTs, DAOs, Crypto & The Metaverse
Web3 Academy: Exploring Utility In NFTs, DAOs, Crypto & The Metaverse
Web3 Academy: Exploring Utility In NFTs, DAOs, Crypto & The Metaverse
Web3 Academy: Exploring Utility In NFTs, DAOs, Crypto & The Metaverse
Web3 Academy: Exploring Utility In NFTs, DAOs, Crypto & The Metaverse
Web3 Academy: Exploring Utility In NFTs, DAOs, Crypto & The Metaverse
Web3 Academy: Exploring Utility In NFTs, DAOs, Crypto & The Metaverse
Web3 Academy: Exploring Utility In NFTs, DAOs, Crypto & The Metaverse
What simple daily habits can help you protect your metabolism as you age? In this episode, I explain why focusing entirely on standard scale weight is deeply damaging to your metabolism and overall long-term health. I share actionable insights into why we must shift our perspective toward a muscle-first approach by diligently tracking true body composition over time. Ultimately, while chronological aging is an inevitable privilege, maintaining a vibrant, strong, and powerful body remains a deliberate choice you can make every day. What you'll learn: (01:20) Focus on true body composition rather than traditional weight loss to avoid damaging your metabolic health. (06:07) Understand how poorly designed companion diets alongside GLP-1 medications can trigger severe skeletal muscle loss. (08:59) Discover why building skeletal muscle functions beautifully as metabolic Spanx and a critical sugar sponge for your body. (14:02) Learn the startling rate at which women lose muscle size, overall strength, and explosive power starting at age thirty. (15:29) Implement simple objective office measurements like grip strength or the sit-to-stand test to track physical muscle quality. (25:09) Maximize your physical transformation by balancing the three foundational pillars of muscle development: fuel, movement, and recovery. (27:51) Adjust your calculated daily protein goals to target body weight parameters that successfully overcome age-related anabolic resistance. (45:45) Capitalize on small daily increments of vigorous intermittent lifestyle physical activity to drastically lower all-cause mortality risks. Love the podcast? Here's what to do: Subscribe to the podcast. Leave a review. Text a screenshot to me at 813-565-2627 and wait for a personal reply because your voice is so important to me. Full show notes (including all links mentioned): https://jjvirgin.com/muscleaging If your routine or eating habits have changed recently head to BodyBio.com/JJVIRGIN to start supporting your gut. Mitopure supports the cellular energy that allows your muscles to actually respond and adapt. Mitopure gummies make it simple. Visit https://timeline.com/jjvirgin for 20% off your order. Learn more about your ad choices. Visit megaphone.fm/adchoices
Web3 Academy: Exploring Utility In NFTs, DAOs, Crypto & The Metaverse
Will the Knicks make the Finals for years to come, or is it a must to capitalize on the opportunity now? Learn more about your ad choices. Visit podcastchoices.com/adchoices
Web3 Academy: Exploring Utility In NFTs, DAOs, Crypto & The Metaverse
Web3 Academy: Exploring Utility In NFTs, DAOs, Crypto & The Metaverse
Web3 Academy: Exploring Utility In NFTs, DAOs, Crypto & The Metaverse
Web3 Academy: Exploring Utility In NFTs, DAOs, Crypto & The Metaverse
Web3 Academy: Exploring Utility In NFTs, DAOs, Crypto & The Metaverse
Web3 Academy: Exploring Utility In NFTs, DAOs, Crypto & The Metaverse
Web3 Academy: Exploring Utility In NFTs, DAOs, Crypto & The Metaverse
Let me start with a number. 400. That's approximately how many cold emails I used to send per month at one point in my career. 400 a month. Roughly 13 emails a day, every day, to production companies, creative agencies, brand managers, you name it. Want to guess what my booking rate was? Zero. For months it was actual zero. And here's the thing. My list was good. I did my research. These were real companies, real decision-makers, real email addresses. My audio was solid. My website wasn't embarrassing. On paper I was doing everything right. And I had nothing to show for it. So today we're going to talk about what was actually wrong. Because I promise you, it wasn't my list. What Most Voice Actors Do When Outreach Isn't Working They diagnose the problem as one of three things. The list. I need more contacts, better contacts, contacts in a different vertical. So they buy a bigger list, scrape LinkedIn harder, join another directory, and then do the same thing to a different set of people. The email. My subject line isn't catchy enough. I'm too formal. I'm not formal enough. So they A/B test subject lines, rewrite the opener 12 different times, and maybe get a slightly better open rate but still no bookings. The demo. Maybe my demo isn't good enough yet. And then they disappear into a six-month loop of demo anxiety and never send another email. None of these things are the root cause. The root cause is a model mismatch. What Model Mismatch Actually Means The tool most voice actors are using for cold outreach, the email sequence, the automated drip, the I'll contact 500 people and some percentage will respond approach, that tool was built for a completely different kind of business. It was built for SaaS sales, for B2B software, for industries where you are selling a product that can be evaluated on a spec sheet. Voiceover is not that. When a creative director or a producer opens an email from a voice actor they're not evaluating a feature set. They're forming an impression of a human being. They're deciding, consciously or not, is this someone I want to work with? Is this someone I can trust with my project? Is this someone whose voice I want attached to my brand? That is a relationship decision. And you cannot automate a relationship. The sequence blast approach treats everyone on your list the exact same way. Same email, same order, same timing, regardless of who the person is or whether they've interacted with you before. That is the definition of treating people like they're interchangeable. And creative buyers are not interchangeable. They know when they're being mass emailed. They can feel it in the first sentence. And the moment they feel it, you've lost them. Here's the kind of opener these tools generate. Something like: "Hi first name. My name is name and I'm a professional voice actor with experience in commercials, corporate narration, and e-learning. I'd love to discuss how I can support your audio needs. Please find my demo at here." Nothing is inherently wrong with that. But that email could have been sent by literally any voice actor. There is nothing in it that is about the person receiving it. Nothing specific. Nothing curious. Nothing human. It's a form letter with your name in the subject line. And producers get hundreds of those and can spot them three words in. What Actually Works Here are three things I changed when I finally started getting traction from direct outreach. The first thing is I stopped treating the first email as the pitch and started treating it as the introduction with no strings attached. The goal of a cold email to a creative buyer is not to get a booking. I know that sounds counterintuitive but stick with me. It's not a realistic ask on first contact. The goal is to get a second interaction. You want them to click your link. You want them to hit reply. You want them to think, huh, I'll keep this person in mind. When you reorient toward that goal your entire email changes. You're no longer trying to close. You're trying to open the door. The second thing is I started doing exactly one piece of research per email. Not a deep dive, not a 30-minute rabbit hole. One thing. Maybe I noticed they just released a new product line and I mentioned it. Or I listened to the most recent audio content on their site and referenced it specifically. Whatever. It doesn't matter. One thing. That's all it takes to make an email feel like a letter instead of a flyer. The third thing, and this is the one most people skip, is I built my follow-up sequence before I sent the first email. Not after. Before. Because most bookings from direct marketing do not come from the first contact. They come from the third or the fourth. The person who opens your email on a Tuesday when their current voice actor just raised their rates and suddenly you're top of mind. That's the booking. But it only happens if you've been consistently, non-annoyingly showing up in their inbox over the previous few months. Follow-up is not pestering. Follow-up done right is just staying in the conversation. And the last thing, I include a custom piece of content with no strings attached. An MP3, a video, a PDF. Something that is actually useful to them. The Follow-Up Framework Here's the simplest follow-up framework I use and you can steal this directly. Email one is the intro. Short, specific, one ask, a link, custom content. Email two is when you have something new to say. A value add. A recent relevant credit, a class you took, an update you have. No ask. Just here's something that might be interesting to you. Email three is another value add but with a light ask. Hey, what do you have going on right now that I can help you with? I'm happy to send over a custom sample if that would be helpful. Light touch, no pressure. After that you move them to a low frequency long-term nurture, maybe once a quarter, and you keep going. Because the booking you get nine months from now from someone who barely noticed your first email is still a booking. The Bottom Line The problem wasn't my effort. I had plenty of effort. The problem was I was doing the right thing with the wrong model. I was treating a creative business like a volume game when it's actually a relationship game. The compounding effect of real outreach, specific, human, followed up, is completely different from the compounding effect of mass blasting. One builds a list. The other builds a client base. And that's the difference worth working for. The humanity in this industry is our biggest superpower. Capitalize on it wherever you possibly can. Want to Keep the Conversation Going? I have three marketing courses available and this month they are all 20% off. There's a course for marketing to agents, one for emailing entertainment clients, and one dedicated to people outside the entertainment industry. You can take them separately or bundle them. Send me a note at mandy@actingbusinessbootcamp.com and I'll pass you the coupon. Find me on TikTok at AstoriaRedHead or on Substack at The Actor's Index. I'll see you next time.
Web3 Academy: Exploring Utility In NFTs, DAOs, Crypto & The Metaverse
Europe's stormwater crisis has been building for decades—and the numbers are now impossible to ignore. The last three decades rank among the worst for flooding in 500 years of European records. In 2024 alone, floods killed more than 330 people, displaced 413,000, and caused €18 billion in damages. Bluefield Research has sized the European stormwater market at €643 billion in projected CAPEX through 2036—but chronic underfunding, fragmented procurement, and widening climate risk mean the opportunity is anything but uniform. In this episode, Reese Tisdale sits down with Bluefield senior analyst Antonio del Olmo to unpack what's driving the investment gap, where the real growth markets are, and how the competitive landscape is shifting as digital-first players challenge the traditional hardware model. Key questions include: Why do the last three decades constitute a crisis rather than a long-term infrastructure challenge? How does Europe's stormwater market stay chronically underfunded? What does the regional investment picture look like for companies trying to enter or grow in this market? As the traditional hardware distribution model faces pressure, what does the new competitive playbook look like—and who is getting it right? Are digital-first players bypassing the traditional product sale a threat to hardware incumbents, or is it still early noise? If you enjoy listening to The Future of Water Podcast, please tell a friend or colleague, and if you haven't already, please click to follow this podcast wherever you listen. If you'd like to be informed of water market news, trends, perspectives and analysis from Bluefield Research, subscribe to Waterline, our weekly newsletter published each Wednesday. Related Research & Analysis: Europe Stormwater Infrastructure Market: Key Drivers, Competitive Shifts & Investment Outlook, 2026–2036 U.S. Stormwater Infrastructure Market: Key Drivers, Competitive Shifts & Investment Outlook, 2024–2030 The New Standard for Stormwater: Integrated Drainage Design
Web3 Academy: Exploring Utility In NFTs, DAOs, Crypto & The Metaverse
Web3 Academy: Exploring Utility In NFTs, DAOs, Crypto & The Metaverse
No matter how DP Nationals went, I want you to see it as education. Be encouraged if you can see where you did well and where you can learn from the situation. Everything helps you move forward in recruiting, its all about perspective.If you struggled this year, you are not alone. Many recruits had injuries and set backs. The beauty of Instagram and emails allows you to get right back in the game. Don't miss out on two of our specials at JH Consulting JH$50June 15 Game Plan Go to www.jhicksconsulting.com/contact and fill out the forms page . We will get right back to you with all the details.
Web3 Academy: Exploring Utility In NFTs, DAOs, Crypto & The Metaverse
PREVIEW for Today: Michael Bernstam analyzes Russia's shadow fleet oil exports to China, India, and Egypt. Despite China's increased reliance on Russian energy, Russia remains unable to fully capitalize on high oil prices during the ongoing global conflict.1900 Baku
Web3 Academy: Exploring Utility In NFTs, DAOs, Crypto & The Metaverse
What has happened to commercial real estate — and where are the biggest opportunities now? In this episode of How To, Gino Barbaro breaks down the current commercial real estate market, market cycles, economic uncertainty, interest rates, and how investors can position themselves to capitalize in today's environment. From understanding where we are in the real estate cycle to identifying opportunities during market shifts, this conversation explores practical strategies for investors, entrepreneurs, and anyone trying to build long-term wealth through real estate. Whether you're an experienced investor or just getting started, this episode offers actionable insights on navigating today's market and preparing for what's next. This episode is brought to you by Wheelbarrow Profits — helping investors build long-term wealth through multifamily real estate, education, and community. Visit wheelbarrowprofits.com TIMESTAMPS 0:00 - Introduction to the multifamily market and commercial real estate. 0:22 - Welcome by Gino Barbaro. 0:32 - Discussion on market cycles and historical context. 1:00 - Impact of COVID and government actions on the market. 1:28 - The Jobs Act of 2017 and its effects. 1:57 - Explanation of bonus depreciation and tax incentives. 2:27 - Cost segregation and its benefits. 2:55 - Tax incentives for real estate professionals. 3:25 - Capital flow and market changes. 3:54 - Policy impacts on capital flow. 4:23 - Capital flow to certain states. 5:20 - Shift in investment strategies. 6:17 - Market cycle and investment opportunities. 7:14 - Challenges in flipping assets. 8:11 - Yield generation and inflation hedge. 9:07 - Impact of interest rates on investments. 10:04 - Market cycle repetition and current challenges. 11:01 - Current market stagnation and strategies. 12:35 - Private equity ownership in multifamily. 13:03 - Investment strategies for smaller investors. 14:26 - Challenges in current market valuations. 15:22 - Importance of broker connections. 16:21 - Building rapport with brokers. 17:46 - Connecting with credit unions and banks. 18:46 - Patience and conservative underwriting. 20:06 - Market supply and demand dynamics. 21:28 - Engaging with investors and preparing for opportunities. 22:24 - Summary and closing remarks. We're here to help create real estate entrepreneurs... About Jake & Gino: Jake & Gino are multifamily investors, operators, and owners who have created a vertically integrated real estate company. They control over $350M in assets under management. Connect with Jake & Gino here --> https://jakeandgino.com. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
Web3 Academy: Exploring Utility In NFTs, DAOs, Crypto & The Metaverse
Every investor faces the same quiet trade-off. The moment you move capital from savings into a deal, the money stops growing where it was. It is now in the deal,or it is in the bank, but it is not doing both. That is the either/or trap of conventional investing, and almost nobody questions it. There is a way out of it. https://www.youtube.com/watch?v=TErbvj7rheI&list=PLPvxD-a8qNrkdcvfxh4dG52MGGqHkS3TX&index=2&t=6s Done correctly, the Infinite Banking Concept breaks that either/or equation. Your cash keeps compounding inside a properly structured whole life insurance policy while you deploy borrowed capital into investments. The same dollars work in two places at once. This article walks through the mechanics, including the policy loan structure, the hidden cost of paying cash, the structural leverage of the death benefit, and what the system requires in practice. Rachel and Bruce both use this strategy in their own financial lives. It isn't theory. Key TakeawaysResetting the CurveThe Honest Math An Important Caveat The Mutual Difference How does Infinite Banking boost investment returns?What does "earning in two places at once" mean in whole life insurance?Is a policy loan free money?Why is paying cash for investments not always the best strategy?How is a policy loan different from a HELOC?What kind of whole life policy works for Infinite Banking? Key Takeaways Conventional investing forces an either/or choice. Your capital is in savings, or it is in the deal, never both. A policy loan doesn't drain your cash value; it places a lien against it. The full balance keeps compounding while the borrowed capital goes to work. This is how a properly structured whole life policy can boost investment returns. You earn from two assets at once. The math is honest, not magical. Loan interest is real, and the policy needs years to capitalize before it pulls ahead. Behavior matters more than design. You have to act like a banker, because in this system, you are one. Where Infinite Banking Fits in Your Cash Flow System The Wealth Creator's Cash Flow System divides personal finance into three stages. Stage 1 (Foundation) keeps more of what you earn. Stage 2 (Protection) insures and structures against risk. Stage 3 (Increase) makes your money work harder. Most Stage 2 tools do one job. IBC stands out: it's built on a whole life policy in Stage 2, but boosts Stages 1 and 3 too. Stage 1 link comes from Nelson Nash: 34.5 cents per dollar leaks to financing costs like mortgages, car loans, cards, and bank spreads. Swap a commercial loan for a policy loan, and those profits stay in your system, not with distant bank shareholders. Stage 3 is direct too. Policy loans fund investments without interrupting the policy's compounding. Cash value grows as your capital works elsewhere—Stage 3 power baked into Stage 2. Rachel calls it the cash flow sandwich: Foundation and Increase as bread, IBC as the filling that completes it. Why Paying Cash Isn't Actually Free Plenty of investors believe they have no financing costs because they pay cash for everything. They are correct that they aren't paying a bank. They are wrong that the cost is zero. When you pull $100,000 out of a savings account to fund a real estate deal, that $100,000 stops earning whatever it was earning. In today's environment, that is something close to 1%, which doesn't keep pace with inflation. You're paying with purchasing power that is quietly losing ground every year. But the rate is the smaller half of the problem. The deeper issue is the reset. Resetting the Curve Pull up an exponential growth curve. Slow at the bottom. Then steeper. Then steeper still. The hockey stick portion (the place where compounding actually does what people imagine compounding does) only shows up after years of uninterrupted growth. Most investors never get there. They put money in, then pull it out for a deal. The curve resets to zero. The deal closes, then the money goes back in. The curve resets again. In, out, reset, repeat. The compounding never actually happens. At least, not really. They are stuck on the flat part of the curve, dragging money back to the start every time an opportunity comes along. There is a parallel cost on the bank side. When you deposit money into a commercial bank, you are effectively lending that capital to shareholders you have never met. They deploy it. They keep the spread. You receive whatever rate they feel like offering, which is typically less than inflation. You take all the risk, and they keep the profits. Paying cash doesn't escape that system; it just hides the cost inside it. How Your Money Earns in Two Places at Once Imagine your cash value as a full cup. For illustrative purposes, say after 10 years it holds $1 million. The cup is growing, with guaranteed interest from the policy, plus non-guaranteed whole life insurance dividends from the mutual company's performance. That is the policy doing its protective job and accumulating value at the same time. Now you take a policy loan. $500,000. Watch carefully, the cup does not drain; it stays full. What changes is that the top half turns a different color. You might think of it as a lien. The insurance company has extended you $500,000 from their general fund, secured by the top half of your cash value. The full million is still inside the policy. The full million still earns interest and dividends. The borrowed $500,000 goes somewhere it can produce a return. A rental property, a business acquisition, a private lending deal, or equipment for an existing operation. That capital is now generating its own income or appreciation. You are now earning in two places at once. The investment is producing a return on the deployed capital. The policy is producing a return on the full cash value, exactly as if you'd never touched it. That is the mechanism that lets a properly used whole life policy boost investment returns far beyond what either piece could produce alone. The Honest Math A note on the math, because this is where some IBC explanations get sloppy. The loan is not free. The policy can continue growing on the full cash value, but the insurance company still charges interest on the policy loan. For example, if the policy has $1,000,000 of cash value and you borrow $500,000 at 6.5%, the loan would create $32,500 of annual interest if no payments are made. If the policy grows by $40,000 that year, the policy growth is still $40,000. It is not reduced by the loan. But your net position is not simply, “I earned $40,000 and got $500,000 to invest.” You also have to account for the loan interest. And if you are being a good banker by making loan payments, the actual interest cost would be lower because the outstanding balance is being reduced over time. So the honest math is this: the policy keeps growing, the loan creates a lien and an interest cost, and the deployed capital has the opportunity to produce its own return outside the policy. That outside return is where the real upside lives. The power is not that the loan is free. The power is that the same dollar can remain at work inside the policy while also being redeployed into productive assets, as long as you manage the loan responsibly. The strategy is net positive when the policy is well capitalized, the loan is managed responsibly, and the investment return exceeds the loan cost. None of those conditions are guaranteed. All of them are achievable. Then comes the recycling. As cash flow from the investment repays the loan, the lien lifts. The colored portion of the cup returns to its original color. Once the loan is paid back, that capital is fully available again, ready for the next opportunity. Capitalize, borrow, invest, earn, repay, repeat. Same dollars. Multiple deployments. The compounding never resets. The Structural Leverage Most People Miss Here is a comparison most investors haven't worked through. Scenario A: $100,000 in a bank account. You die tomorrow. Your heirs receive $100,000. Scenario B: $100,000 in premiums paid into a properly structured whole life policy starting around age 50. You die tomorrow. Your heirs might receive $500,000. Five times the leverage, built directly into the contract. Now add the loan. You take a $100,000 policy loan and put it into an investment. The death benefit drops from $500,000 to $400,000 because the loan is collateralized against it. But the $100,000 is now working in a deal. Even if the investment breaks even (no gain, no loss), your family's net worth is $400,000 ahead of where the bank account would have left it. That is structural leverage. The advantage exists regardless of the investment's performance. Every dollar deployed through a policy loan carries a death benefit backstop that a bank balance simply doesn't have. An Important Caveat This leveraged net worth advantage is most meaningful in the earlier years of a policy, when the death benefit is far greater than the premiums paid in. That gap is the source of the immediate leverage. Over time, as premiums are paid, the gap between total premiums paid and the death benefit begins to shrink. It does not disappear, but the leverage ratio compresses as the policy matures. Even so, the structural advantage can be significant. You are building accessible cash value that will exceed your contributions over time, while also maintaining a death benefit that remains above what you have personally paid into the policy and protects the family legacy. Why Policy Loans Beat HELOCs and Credit Lines for Investors The natural question: couldn't I do this with a HELOC, a personal line of credit, a margin account, or a 401(k) loan? It comes up almost every time the strategy is explained. The short answer: the underlying mechanics are different in ways that matter. ...
Chris Forsberg and Kayla Burton break down the Celtics' 106-93 Game 6 loss to the Sixers, discussing what went wrong for Boston, why they want to see the bench get more minutes and what the team needs to do in Game 7 to save its season. WATCH every episode of the Celtics Talk podcast on YouTubeFollow NBC Sports Boston:NBCSportsBoston.comX @NBCScelticsFacebookInstagramTikTok Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
All lines provided by Hard Rock Bet. Nick Wright recaps the opening games from the NBA Playoffs, starting with Jalen Brunson's New York Knicks blowing a late lead against CJ McCollum and the Atlanta Hawks as well as Nikola Jokic's Denver Nuggets falling to Anthony Edwards' Minnesota Timberwolves. Then, Nick debates what LeBron James and the Los Angeles Lakers' chances are against the Houston Rockets given Kevin Durant’s injuries and Luka Doncic returning to practice. After, Nick discusses the upcoming NFL Draft and the Cincinnati Bengals trading for Dexter Lawrence. Later, Nick and Damonza answer your questions. #VolumeSee omnystudio.com/listener for privacy information.