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In today's TTF, Kurt talks about CFAs (chemical foaming agents). When they could be used, what they do, the benefits, and the major classifications.Find Simcoe Plastics Ltd. on Facebook and Instagram. Find "That Plastics Guy" on Linked-In and YouTube. Find Kurt Stahle on Linked-In as well.Subscribe to our newsletter at www.simcoeplastics.comAll links here https://linktr.ee/kurt_stahle
In this episode, host Alan Stein sits down with Jeff Sipe, a seasoned technical recruiter with 5+ years at Google and 15+ years of recruiting experience. They dive into practical interview techniques including Jeff's CFAS method for answering hypothetical questions, the one-minute rule for "tell me about yourself," and the psychology behind making memorable first impressions in interviews. Tune in now!
Jim Gordon sits down to discuss his 26 years of community impact through the Community Foundation and the Community Foundation Awards, which honor those who give their time, talent, and treasure.• Jim Gordon, co-founder of GMCF and title sponsor of the CFAs, shares how the awards began• The CFAs focus on celebrating volunteers who contribute time and talent alongside those who give financially• Starting with four title sponsors (Kansas State Bank, Steel, and Pipe Supply, Trust Company of Manhattan, and Sink Gordon), the event now attracts 500-600 attendees• The awards spotlight lesser-known community programs, introducing new volunteer opportunities to attendees• Jim Gordon advises finding a charity you're passionate about and turning that passion into action• His philosophy: "You can't wait to make a difference" – take opportunities as they come to serve the communityGMCFCFAs
When markets get fooled, stocks get …well, WHACKED, to quote a famous Kramerism. Our audience deserves to know more about volatility - for all the PhDs, MBAs and CFAs working on Wall Street, for all the compliance rules and regulations, why is it that a stock can go from hero to zero so quickly? Why is stability in itself destabilizing? [Repeat from May, 2024]For more on Bubble Trouble, including transcripts of the show, visit us online at http://bubbletroublepodcast.comYou can learn more about Richard at https://www.linkedin.com/in/richard-kramer-16306b2/More on Will Page at: https://pivotaleconomics.com(Times below correspond to the episode without considering any inserted advertisements.)Understanding Market Volatility: The Seven Deadly Sins That Get Stocks WhackedIn this episode of Bubble Trouble, hosted by independent analyst Richard Kramer and economist Will Page, the duo delves into the intricacies of stock market volatility and the factors that lead to significant drops in stock values, often referred to as getting 'whacked.' They explore why financial markets remain volatile despite compliance rules and thorough analysis by Wall Street's experts. Using recent examples like Duolingo and Double Verify, they highlight how sentiment, market expectations, and artificial intelligence fears influence stock performance. They introduce the concept of the seven deadly sins—ranging from expectations management to fake it till you make it—that companies and analysts commit, causing stocks to tank. The discussion covers essential themes like the role of credibility, influence of peer performance, external market factors, and the impact of fear and greed. They also touch on larger market dynamics, such as the dominance of tech giants and the influence of algorithmic trading. The episode is both an educational dive into market mechanics and a cautionary tale for investors, emphasizing the importance of understanding broader market sentiments and the potential pitfalls of speculative trading.00:00 Introduction01:18 Part One02:30 Recent Examples of Stocks Getting Whacked06:08 The Role of Expectations in Market Behavior10:53 Credibility and Its Impact on Stocks16:17 The Influence of Peer Groups and Market Share18:19 Mathematical Models and Black Swans23:09 Part Two24:15 The Sheer Size of Companies and Market Impact25:13 Big Companies and Revenue Growth Challenges26:33 Market Dynamics and Money Managers27:04 Thought Experiment: Market Crowding28:53 Taxing Market Capitalization34:18 Fear and Greed in Financial Markets40:11 Unprofitable IPOs and Market Distortions42:47 Seven Deadly Sins of Stock Trading46:22 Conclusion and Final Thoughts46:53 Credits Hosted on Acast. See acast.com/privacy for more information.
4 New Square Chambers' George McDonald and Matt Waszak explore new representative actions and the complex interplay between litigation funding and class actions, addressing the legal challenges that arise. They emphasise the importance of courts making early rulings on funding arrangements to ensure the viability of class actions. Key Topics Discussed: Funding Challenges: Issues related to funding agreements and privity of contract among class members. Early Court Decisions: The potential for courts to provide early clarity on funding arrangements. Conditional Fee Agreements (CFAs): Insights into CFAs, including success fees and cost recovery for class representatives. Damages-Based Agreements (DBAs): Limitations and challenges of DBAs in collective actions. Adverse Costs: Discussion on liability for adverse costs in representative actions. Legislative Reforms: Speculation on potential reforms to expand the CAT's collective action regime for consumer claims. Judicial Management: The proactive role of courts in managing funding and costs early in litigation. Early Determinations: Advantages of pre-emptive court decisions on funding for smoother processes. Recommendations for Funders: Guidance on creating tailored funding agreements for representative actions.
Dr Connor Richardson narrates his blog written for Dementia Researcher. In Connor's blog, he highlights the benefits of maintaining a research journal as a practical tool for tracking progress, managing emotions, and fostering personal growth. Far from being just a record of daily tasks, the journal serves as a "done list" that celebrates small achievements, providing motivation during long research processes. Dr Richardson also discusses the value of journaling for reflection, processing frustrations, and honing writing skills, which can make academic writing less daunting. Ultimately, he views journaling as a way to connect more deeply with his work and as a resource to better support his students. Find the original text, and narration here on our website. https://www.dementiaresearcher.nihr.ac.uk/blog-dear-diary-why-i-keep-a-research-journal/ -- Dr Connor Richardson is a Neuro-epidemiology Research Associate (soon to be NIHR Research Fellow) in the Newcastle University Population Health Sciences Institute. Connor is the research statistician for the Cognitive Function and Ageing studies (CFAS) multi-centre population cohort. His research interest lies in using advanced statistical modelling and machine learning to measure dementia risk. Connor blogs about his research, Equality, Diversity and Inclusion and sometimes his Pomapoo's. -- Enjoy listening? We're always looking for new bloggers, drop us a line. http://www.dementiaresearcher.nihr.ac.uk This podcast is brought to you in association with Alzheimer's Association, Alzheimer's Research UK, Alzheimer's Society and Race Against Dementia, who we thank for their ongoing support. -- Follow us on Social Media: https://www.instagram.com/dementia_researcher/ https://www.facebook.com/Dementia.Researcher/ https://twitter.com/demrescommunity https://www.linkedin.com/company/dementia-researcher https://bsky.app/profile/dementiaresearcher.bsky.social
In this episode, Sam Kamani talks to Takashi Nakamoto, the visionary founder of BloomBeans, who is leading the charge toward a new financial ecosystem on the blockchain. Takashi shares his mission to decentralize traditional financial products—like pensions, insurance, and loans—using crypto financial assets (CFAs). Listen in to explore why BloomBeans could redefine how we manage, secure, and grow our assets without intermediaries. If you're interested in the future of finance, this episode offers groundbreaking insights into the potential of decentralized finance. Key Timestamps [00:00:00] Introduction: Sam introduces Takashi Nakamoto, founder of BloomBeans, and the vision for a new financial ecosystem. [00:01:30] About BloomBeans: Takashi explains BloomBeans' mission to build a decentralized financial system with products like pensions, savings, and insurance. [00:05:00] Inspiration: Takashi discusses what inspired him to build BloomBeans and the documentary that changed his view on finance. [00:07:30] Decentralization Challenges: Sam and Takashi explore the limitations of current crypto projects and the importance of full decentralization. [00:12:00] Financial System Problems: Takashi shares his views on the inefficiencies and corruption in the traditional financial system. [00:16:00] Monetary Policy: Discussion on BloomBeans' monetary policy, interest rates, and how it avoids Ponzi-like structures. [00:18:00] Unique Financial Products: Takashi talks about innovative products like interest-free loans, decentralized pensions, and insurance. [00:25:00] Adoption Challenges: Takashi explains the challenges BloomBeans faces in gaining user trust and recognition in the crowded crypto space. [00:29:00] Vision for the Future: Takashi shares his roadmap, including launching a proprietary blockchain focused on finance. [00:34:00] Decentralized Loans: Introduction to BloomBeans' revolutionary no-interest loan system. [00:37:00] Macro Perspective: Takashi discusses how decentralized finance can counteract financial imperialism. [00:42:00] Looking Ahead: Takashi's plans for future releases and the next phases for BloomBeans, including a financial blockchain. [00:44:00] Conclusion: Sam wraps up the episode, inviting listeners to explore BloomBeans and learn more about Takashi's vision. Disclaimer Nothing mentioned in this podcast is investment advice and please do your own research. Finally, it would mean a lot if you can leave a review of this podcast on Apple Podcasts or Spotify and share this podcast with a friend. Connect https://www.bloombeans.io/ https://x.com/Bloom_Beans https://x.com/Tkshi_Nakamoto Be a guest on the podcast or contact us - https://www.web3pod.xyz/
Dr Connor Richardson narrates his blog written for Dementia Researcher. Connor's blog offers a thoughtful reflection on the challenges and rewards of an academic career. Prompted by a personal conversation with his mother, Connor addresses the common perception that academic research is a source of stress and dissatisfaction. He counters this by highlighting his deep love for science, the intellectual fulfilment he finds in solving complex problems, and the unique sense of community and mentorship within academia. He also emphasises the benefits of flexible work environments, personal growth, and the opportunities for travel and collaboration that come with a career in research. Find the original text, and narration here on our website. https://www.dementiaresearcher.nihr.ac.uk/blog-in-defence-of-academia/ -- Dr Connor Richardson is a Neuro-epidemiology Research Associate (soon to be NIHR Research Fellow) in the Newcastle University Population Health Sciences Institute. Connor is the research statistician for the Cognitive Function and Ageing studies (CFAS) multi-centre population cohort. His research interest lies in using advanced statistical modelling and machine learning to measure dementia risk. Connor blogs about his research, Equality, Diversity and Inclusion and sometimes his Pomapoo's. -- Enjoy listening? We're always looking for new bloggers, drop us a line. http://www.dementiaresearcher.nihr.ac.uk This podcast is brought to you in association with Alzheimer's Association, Alzheimer's Research UK, Alzheimer's Society and Race Against Dementia, who we thank for their ongoing support. -- Follow us on Social Media: https://www.instagram.com/dementia_researcher/ https://www.facebook.com/Dementia.Researcher/ https://twitter.com/demrescommunity https://www.linkedin.com/company/dementia-researcher https://bsky.app/profile/dementiaresearcher.bsky.social
Dr Connor Richardson narrates his blog written for Dementia Researcher. In his blog post "Academic Promotions: A Tale of Two Tries - Part 2," Connor is back sharing his experiences and insights from two rounds of applying for academic promotion. Highlighting the importance of mindset, Connor contrasts his initial, cautious approach with a more confident, assertive strategy in his second attempt. He emphasises the need to focus on one's unique selling points, be direct and self-assured in applications, and adapt to feedback. Through his journey, he underscores the significance of presenting oneself as indispensable and confidently highlighting achievements, even if it feels uncomfortable. Find the original text, and narration here on our website. https://www.dementiaresearcher.nihr.ac.uk/blog-academic-promotions-a-tale-of-two-tries-2/ -- Dr Connor Richardson is a Neuro-epidemiology Research Associate (soon to be NIHR Research Fellow) in the Newcastle University Population Health Sciences Institute. Connor is the research statistician for the Cognitive Function and Ageing studies (CFAS) multi-centre population cohort. His research interest lies in using advanced statistical modelling and machine learning to measure dementia risk. Connor blogs about his research, Equality, Diversity and Inclusion and sometimes his Pomapoo's. -- Enjoy listening? We're always looking for new bloggers, drop us a line. http://www.dementiaresearcher.nihr.ac.uk This podcast is brought to you in association with Alzheimer's Association, Alzheimer's Research UK, Alzheimer's Society and Race Against Dementia, who we thank for their ongoing support. -- Follow us on Social Media: https://www.instagram.com/dementia_researcher/ https://www.facebook.com/Dementia.Researcher/ https://twitter.com/demrescommunity https://www.linkedin.com/company/dementia-researcher
I discuss who Aaliyah was and her unfortunate connection to a famous convicted felon; the details of her plane crash on August 25, 2001; and what we can learn as CFAs from this horrific tragedy. WAYS TO SUPPORT YOUR CFA JOURNEY:
I discuss my tour of the G700 and the HIGHLY unprofessional CFA incident that occurred in the FBO. Plus, I reveal the new bed making mandate that's a pain in the butt for all CFAs! WAYS TO SUPPORT THIS PODCAST: ⭐️⭐️⭐️⭐️⭐️ Submit a 5-star rating/review
Dr Connor Richardson narrates his blog written for Dementia Researcher. Connor narrates his journey in his blog "Academic Promotions: A Tale of Two Tries." He discusses the challenges and emotional rollercoaster of applying for an academic promotion, detailing his unsuccessful first attempt and the lessons he learned from it. Connor reflects on the daunting application process, the feelings of imposter syndrome, and the eventual disappointment. However, he also highlights the growth and new perspectives gained, including a more realistic view of his career and the importance of self-worth. His story is a candid and insightful read for anyone navigating the complexities of academic promotions. Find the original text, and narration here on our website. https://www.dementiaresearcher.nihr.ac.uk/blog-academic-promotions-a-tale-of-two-tries/ -- Dr Connor Richardson is a Neuro-epidemiology Research Associate (soon to be NIHR Research Fellow) in the Newcastle University Population Health Sciences Institute. Connor is the research statistician for the Cognitive Function and Ageing studies (CFAS) multi-centre population cohort. His research interest lies in using advanced statistical modelling and machine learning to measure dementia risk. Connor blogs about his research, Equality, Diversity and Inclusion and sometimes his Pomapoo's. -- Enjoy listening? We're always looking for new bloggers, drop us a line. http://www.dementiaresearcher.nihr.ac.uk This podcast is brought to you in association with Alzheimer's Association, Alzheimer's Research UK, Alzheimer's Society and Race Against Dementia, who we thank for their ongoing support. -- Follow us on Social Media: https://www.instagram.com/dementia_researcher/ https://www.facebook.com/Dementia.Researcher/ https://twitter.com/demrescommunity https://www.linkedin.com/company/dementia-researcher
I discuss the fatal JFK Jr. plane crash on July 16, 1999. What were the many reasons that he crashed on that fateful night; what is the Swiss Cheese Model in aviation and how does it apply; and what major lesson can we take away from this tragic event as CFAs? WAYS TO SUPPORT THIS PODCAST: ⭐️⭐️⭐️⭐️⭐️ Submit a 5-star rating/review
When markets get fooled, stocks get …well, WHACKED, to quote a famous Kramerism. Our audience deserves to know more about volatility - for all the PhDs, MBAs and CFAs working on Wall Street, for all the compliance rules and regulations, why is it that a stock can go from hero to zero so quickly? Why is stability in itself destabilizing?For more on Bubble Trouble, including transcripts of the show, visit us online at http://bubbletroublepodcast.comYou can learn more about Richard at https://www.linkedin.com/in/richard-kramer-16306b2/More on Will Page at: https://pivotaleconomics.com(Times below correspond to the episode without considering any inserted advertisements.)Understanding Market Volatility: The Seven Deadly Sins That Get Stocks WhackedIn this episode of Bubble Trouble, hosted by independent analyst Richard Kramer and economist Will Page, the duo delves into the intricacies of stock market volatility and the factors that lead to significant drops in stock values, often referred to as getting 'whacked.' They explore why financial markets remain volatile despite compliance rules and thorough analysis by Wall Street's experts. Using recent examples like Duolingo and Double Verify, they highlight how sentiment, market expectations, and artificial intelligence fears influence stock performance. They introduce the concept of the seven deadly sins—ranging from expectations management to fake it till you make it—that companies and analysts commit, causing stocks to tank. The discussion covers essential themes like the role of credibility, influence of peer performance, external market factors, and the impact of fear and greed. They also touch on larger market dynamics, such as the dominance of tech giants and the influence of algorithmic trading. The episode is both an educational dive into market mechanics and a cautionary tale for investors, emphasizing the importance of understanding broader market sentiments and the potential pitfalls of speculative trading.00:00 Introduction01:18 Part One02:30 Recent Examples of Stocks Getting Whacked06:08 The Role of Expectations in Market Behavior10:53 Credibility and Its Impact on Stocks16:17 The Influence of Peer Groups and Market Share18:19 Mathematical Models and Black Swans23:09 Part Two24:15 The Sheer Size of Companies and Market Impact25:13 Big Companies and Revenue Growth Challenges26:33 Market Dynamics and Money Managers27:04 Thought Experiment: Market Crowding28:53 Taxing Market Capitalization34:18 Fear and Greed in Financial Markets40:11 Unprofitable IPOs and Market Distortions42:47 Seven Deadly Sins of Stock Trading46:22 Conclusion and Final Thoughts46:53 Credits Hosted on Acast. See acast.com/privacy for more information.
Dr Connor Richardson narrates his blog written for Dementia Researcher. Connor reflects on the latest advancements in dementia research, focusing on cognitive reserve and resilience. Connor revisits seminal papers and discussions from a recent webinar moderated by Harriet Demnitz-King of University College London, highlighting the complexities of defining and measuring cognitive reserve. The discussions explored various theories and mechanisms such as Brain Maintenance and Brain Reserve, with a particular emphasis on resilience in maintaining cognitive functions despite aging and disease. Key findings from the year include the role of astrocyte reactivity in Alzheimer's disease and the protective influence of educational attainment on dementia, showcasing both new insights and persistent challenges in the field. The review underscores ongoing debates and the introduction of novel approaches in studying cognitive decline, suggesting a promising direction for future research. Find the original text, and narration here on our website. https://www.dementiaresearcher.nihr.ac.uk/blog-reserve-resilience-protective-factors-pia-year-in-review-recap/ Don't forget, you can get involved in the RRPF PIA by joining ISTAART and get access to previous webinars! -- Dr Connor Richardson is a Neuro-epidemiology Research Associate (soon to be NIHR Research Fellow) in the Newcastle University Population Health Sciences Institute. Connor is the research statistician for the Cognitive Function and Ageing studies (CFAS) multi-centre population cohort. His research interest lies in using advanced statistical modelling and machine learning to measure dementia risk. Connor blogs about his research, Equality, Diversity and Inclusion and sometimes his Pomapoo's. -- Enjoy listening? We're always looking for new bloggers, drop us a line. http://www.dementiaresearcher.nihr.ac.uk This podcast is brought to you in association with Alzheimer's Association, Alzheimer's Research UK, Alzheimer's Society and Race Against Dementia, who we thank for their ongoing support. -- Follow us on Social Media: https://www.instagram.com/dementia_researcher/ https://www.facebook.com/Dementia.Researcher/ https://twitter.com/demrescommunity https://www.linkedin.com/company/dementia-researcher
What is a “litigious CFA”? Learn why trying to pull scams in corporate aviation isn't a good idea; what false harassment claims look like; and my five tips on weeding out toxic people and hiring the best CFAs! WAYS TO SUPPORT THIS PODCAST: ⭐️⭐️⭐️⭐️⭐️ Submit a 5-star rating/review
My guest host is Steffany Kisling—a top CFA and owner and founder of SkyAngels and SKYAcademy, which trains CFAs and guides them to successful careers. Learn how Steffany got started in the industry; how SKYAcademy fills a major void in the training industry and its curriculum; and why being a go-getter is a MUST for all CFAs!
Dr Connor Richardson narrates his blog written for Dementia Researcher. In this blog, Connor shares his eventful year in dementia research at Newcastle. Highlighting his professional journey, he reflects on securing an NIHR Fellowship, contributing to important publications, and engaging in global conferences like #AAIC23 in Amsterdam. Amidst these achievements, Connor also opens up about personal challenges, from an unsuccessful promotion bid to adapting to changes in his mentorship and personal life. His honest account provides a rare glimpse into the highs and lows of a researcher's life, illustrating resilience and the impact of personal experiences on professional growth. Join Connor as he navigates the intricate balance between career success and personal setbacks in the dynamic field of dementia research. Find the original text, and narration here on our website. https://www.dementiaresearcher.nihr.ac.uk/blog-2023-unfiltered-an-honest-diary-of-a-researcher/ -- Dr Connor Richardson is a Neuro-epidemiology Research Associate (soon to be NIHR Research Fellow) in the Newcastle University Population Health Sciences Institute. Connor is the research statistician for the Cognitive Function and Ageing studies (CFAS) multi-centre population cohort. His research interest lies in using advanced statistical modelling and machine learning to measure dementia risk. Connor blogs about his research, Equality, Diversity and Inclusion and sometimes his Pomapoo's. -- Enjoy listening? We're always looking for new bloggers, drop us a line. http://www.dementiaresearcher.nihr.ac.uk This podcast is brought to you in association with Alzheimer's Association, Alzheimer's Research UK, Alzheimer's Society and Race Against Dementia, who we thank for their ongoing support.
Preparation is essential to readiness and effectively handling emergencies. Petty Officer Michael Sanchez shows us how USS Pioneer emergency response teams and the CFAS base firefighters prepare for the worst.
Dr Connor Richardson narrates his blog written for Dementia Researcher. Discover the complexities and implications of the work-from-home trend in the academic research landscape through Connor's insightful blog. As someone deeply embedded in data science (which lends itself to home working), Connor weighs the pros and cons of remote work, particularly its impact on university research culture. The blog explores the beneficial aspects, including flexibility, cost-saving, and inclusivity. Yet, it also unflinchingly tackles the drawbacks such as isolation, loss of networking opportunities, and the nuanced inequalities that arise, especially for early career researchers. Engaging and comprehensive, this blog is a must-read for anyone invested in the future of academic research. Whether you're considering remote work or already a remote work veteran, you'll find this examination both thorough and thought-provoking. Find the original text, and narration here on our website. https://www.dementiaresearcher.nihr.ac.uk/blog-how-is-working-from-home-affecting-research-culture-in-universities/ -- Dr Connor Richardson is a Neuro-epidemiology Research Associate (soon to be NIHR Research Fellow) in the Newcastle University Population Health Sciences Institute. Connor is the research statistician for the Cognitive Function and Ageing studies (CFAS) multi-centre population cohort. His research interest lies in using advanced statistical modelling and machine learning to measure dementia risk. Connor blogs about his research, Equality, Diversity and Inclusion and sometimes his Pomapoo's. -- Enjoy listening? We're always looking for new bloggers, drop us a line. http://www.dementiaresearcher.nihr.ac.uk This podcast is brought to you in association with Alzheimer's Association, Alzheimer's Research UK, Alzheimer's Society and Race Against Dementia, who we thank for their ongoing support.
Adam White and Jace Lington talk with Josh Chafetz and Noah Rosenblum about some of the big administrative law cases pending before the U.S. Supreme Court. They discuss the state of the Court, where things might be headed next, and problems with conservative critiques of the Administrative State.Notes:Noah Rosenblum, What We Talk About When We Talk About the Rule of Law in the Administrative State, New York University Journal of Law & Liberty, Vol. 16, No. 3 (2023)Josh Chafetz, The New Judicial Power Grab, St. Louis University Law Journal, Vol. 67 (2023)CFPB v. CFAS, Brief of Professors of History and Constitutional Law as Amici Curiae (2023)Beau J. Baumann, Americana Administrative Law, Georgetown Law Journal, Vol. 111 (2023)Nikolas Bowie & Daphna Renan, The Separation-of-Powers Counterrevolution, Vol. 131, No. 7 (2022)Ashraf Ahmed, Lev Menand, Noah Rosenblum, The Tragedy of Presidential Administration, Gray Center Working Paper, 2021Josh Chafetz, Congress's Constitution (2019)Leah Litman, Debunking Antinovelty, Duke Law Journal, Vol. 66, No. 7 (2017)Kent Barnett & Christopher J. Walker, Chevron in the Circuit Courts, Michigan Law Review, Vol. 116, No. 1 (2017)Daniel R. Ernst, Tocqueville's Nightmare, Oxford University Press (2014)Richard E. Neustadt, Presidential Power and the Modern Presidents (1991)
Are you curious about what a CFA is all about? Joel Bernardin, CFA, gives you an exclusive look into the world of Chartered Financial Analysts and explains how they help investors make informed decisions. Hear from Joel about the critical roles CFAs play in today's markets and gain valuable insight into this respected professional designation. Don't miss out on this great opportunity to learn from an experienced leader in the industry! Connect with Joel Twitter: @debtfreejoel Instagram: @debtfreejoel Connect with Tiffany Visit our site: https://moneytalkwitht.com Facebook: Money Talk With Tiff Twitter: @moneytalkwitht Instagram: @moneytalkwitht LinkedIn: Tiffany Grant
Dr Connor Richardson narrates his blog written for Dementia Researcher. Connor is back with part two of his blogs discussing population research. In this post Connor highlights key findings from the UK-based Cognitive Function and Ageing Studies (CFAS). He reports a surprising decrease in dementia prevalence among individuals aged 65 and above, especially attributing the decline to better cardiovascular health in men. Connor also touches on the complexities of diagnosing Mild Cognitive Impairment and delves into the varied neuropathologies associated with dementia, underlining the value of population studies for a holistic understanding of the condition. Find the original text, and narration here on our website. https://www.dementiaresearcher.nihr.ac.uk/guest-blog-population-studies-examples-of-how-they-are-helping/ -- Dr Connor Richardson is a Neuro-epidemiology Research Associate (soon to be NIHR Research Fellow) in the Newcastle University Population Health Sciences Institute. Connor is the research statistician for the Cognitive Function and Ageing studies (CFAS) multi-centre population cohort. His research interest lies in using advanced statistical modelling and machine learning to measure dementia risk. Connor blogs about his research, Equality, Diversity and Inclusion and sometimes his Pomapoo's. -- Enjoy listening? We're always looking for new bloggers, drop us a line. http://www.dementiaresearcher.nihr.ac.uk This podcast is brought to you in association with Alzheimer's Association, Alzheimer's Research UK, Alzheimer's Society and Race Against Dementia, who we thank for their ongoing support.
Dr Connor Richardson narrates his blog written for Dementia Researcher. Connor discusses the significance of population-based epidemiology in dementia research. While often overlooked, population studies play a crucial role in understanding the distribution of cognitive function, estimating dementia prevalence and incidence, and identifying risk factors. The blog highlights the benefits of population-based study design, such as achieving accurate and unbiased estimations and gaining insights into the causes and prevention of dementia. Moreover, it emphasises the importance of studying diverse ageing populations over time and in different regions to contextualise dementia research and develop effective strategies to support older individuals in various settings. This is part one and Connor promises to delve deeper into specific population studies, key findings, and quantitative research techniques in subsequent blogs while acknowledging the influence of Professors Fiona Matthews and Carol Brayne on his writing. Find the original text, and narration here on our website. https://www.dementiaresearcher.nihr.ac.uk/guest-blog-population-studies-what-we-have-learned-and-why-we-need-them/ -- Dr Connor Richardson is a Neuro-epidemiology Research Associate (soon to be NIHR Research Fellow) in the Newcastle University Population Health Sciences Institute. Connor is the research statistician for the Cognitive Function and Ageing studies (CFAS) multi-centre population cohort. His research interest lies in using advanced statistical modelling and machine learning to measure dementia risk. Connor blogs about his research, Equality, Diversity and Inclusion and sometimes his Pomapoo's. -- Enjoy listening? We're always looking for new bloggers, drop us a line. http://www.dementiaresearcher.nihr.ac.uk This podcast is brought to you in association with Alzheimer's Association, Alzheimer's Research UK, Alzheimer's Society and Race Against Dementia, who we thank for their ongoing support.
How much do CFAs get tipped? What is the best tip I've heard of, and what is my personal best tip? Do you include pilots in the tip? WAYS TO SUPPORT THIS PODCAST: ⭐️⭐️⭐️⭐️⭐️ Submit a 5-star rating & review
BIO: AcreTrader's CEO, Carter Malloy, grew up in an Arkansas farming family and has had a lifelong passion for agriculture and investing. Before founding AcreTrader, he spent five years as part of the founding team of a successful global equity investment firm.STORY: Carter was super impressed by a healthcare software company whose stock was really expensive, and the valuation was crazy high. Carter decided to short the company's stock. However, he lost most of his money because the stock almost doubled on him.LEARNING: Valuation is not a reason to invest. Don't bet against really good management teams. “Valuation should inform your position size. However, look at it across a large spectrum of metrics and measurements to help you determine whether you have a thesis or not.”Carter Malloy Guest profileAcreTrader's CEO, Carter Malloy, grew up in an Arkansas farming family and has had a lifelong passion for agriculture and investing. Before founding AcreTrader, he spent five years as part of the founding team of a successful global equity investment firm.Before joining in 2013, Carter was a Managing Director with Stephens Inc., a large private investment bank, where he was an equity research analyst.At AcreTrader, Carter has successfully raised over $60 million in Series B funding and grown from 20 employees to 120 employees across the company's two business divisions, which include AcreTrader, the farmland investing platform, and Acres, a land research platform.Worst investment everAs an equity investor, Carter would generally chase okay businesses valued as great ones. One particular company, a healthcare software business, caught Carter's attention. He had a thesis around the macro developments—both cyclical and secular headwinds—that this company faced. He realized there were these real pressures on that business that the rest of Wall Street and the investment world was seeing. The stock was really expensive, and the valuation was crazy high.Carter started digging into the company. He met with the company CEO, and this guy was unbelievably impressive. Carter dug deeper into the company culture and the people who worked there, concluding that this was a well-run business. Carter decided to invest in the company. However, he lost most of the principal because the stock almost halved on him.Lessons learnedValuation is an essential part of your research. It can support an investment decision but is not a reason to invest.Don't bet against excellent management teams because they can absolutely—and often do—determine the outcome.Valuation should inform your position size.Andrew's takeawaysValuation will be a tool if you don't have any other fundamental things driving your investment decision.Actionable adviceDon't invest in single securities. Instead, invest in ETFs.Carter's recommendationsIf you want to be a good investor, understand what CFAs read and then take the Kaplan Schweser CFA Level One course.No.1 goal for the next 12 monthsCarter's goal for the next 12 months is to spend more time with his children.Parting words “This has been fantastic. I sincerely appreciate you.”Carter...
The Manhattan community has been greatly impacted by Jamie Coones, who is truly a fantastic young man. throughout our interview, He revealed his path to winning the CFA Young Trustee of the Year, which was defined by a strong dedication to community involvement and a love for his business. The entire time we spoke, Jamie underlined his dedication to having a positive impact on the neighborhood and to using his knowledge and experience to enhance the lives of others. Overall, we found Jamie Coones to be both insightful and inspirational, and we are confident that he will continue making the Manhattan community better for a very long time.#GMCF#youngtrustees#philanthropy #CFAs#volunteers#nonprofit#manhattankansasGMCFCFAs
The formula to build wealth isn't complicated. Most American millionaires have figured it out, and you might have as well. It's safe to say that almost every wealthy American has followed these three steps that lead to a life of riches. If you follow the same path, you, too, can end up with financial independence, early retirement, and generational wealththat will propel your family forward. But, even though these steps are simple, most Americans can't or won't follow them. Joining us in the fight to help every American reach financial freedom are Brian Preston and Bo Hanson from The Money Guy Show. Brian and Bo both boast numerous financial acronyms after their names. As licensed financial professionals (CPAs, CFPs, PFSs, CFAs), it's fair to say that they know their way around a portfolio. They've been helping their clients and podcast listeners build wealth no matter what stage of life they're in. And their newest study on millionaires has illuminated some surprising takeaways. In today's show, Brian and Bo break down EXACTLY what millionaires are doing that average Americans aren't, the three core principles you MUST follow to build wealth, diversification vs. concentration, and whether or not real estate should be a part of your portfolio. So whether you just got your first job, are nearing retirement, or hover somewhere in between, Brian and Bo give actionable advice you can take away to not only build wealth but keep it for generations to come! In This Episode We Cover The three core principles you MUST follow to build wealth and become a millionaire Self-made riches and the surprising facts about starting from SCRATCH How to protect your generational wealth after you've made it Why those that reach financial independence rarely choose to retire early Diversification and whether your business, home, or stock portfolio owns too much of your wealth The right way to invest in real estate for early retirement (and when it's TOO risky) Rising interest rates and how this will affect those pursuing financial independence And So Much More! Links from the Show BiggerPockets Money Facebook Group BiggerPockets Forums Finance Review Guest Onboarding Join BiggerPockets for FREE Scott's Instagram Mindy on BiggerPockets Grab Scott's Book, “Set for Life” Listen to All Your Favorite BiggerPockets Podcasts in One Place Apply to Be a Guest on The Money Show Podcast Talent Search! Subscribe to The “On The Market” YouTube Channel Listen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPockets Money Moment Listen to “The Money Guy Show” Download the Financial Order of Operations Work with Brian and Bo Click here to check the full show notes: https://www.biggerpockets.com/blog/money-404 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Let us know! Learn more about your ad choices. Visit megaphone.fm/adchoices
Dr Connor Richardson narrates his blog written for Dementia Researcher. Welcome to this blog post about Equality, Diversity, and Inclusion (EDI) leadership. EDI leadership is a crucial aspect of academic life, as it plays a significant role in shaping the culture, values, and practices of an organisation. It's all about creating a workplace environment that is inclusive and welcoming to all, regardless of their gender, race, ethnicity, religion, age, sexual orientation, or any other characteristic. Connor recently took up the challenge and has got hands-on in EDI Leadership at Newcastle University and in this blog he talks about the how's and why's and what achievements have already been made - he hopes it might inspire you to do the same. Find the original text, and narration here on our website. https://www.dementiaresearcher.nihr.ac.uk/guest-blog-getting-involved-in-equality-diversity-and-inclusion-edi-leadership/ -- Dr Connor Richardson is a Neuro-epidemiology Research Associate (soon to be NIHR Research Fellow) in the Newcastle University Population Health Sciences Institute. Connor is the research statistician for the Cognitive Function and Ageing studies (CFAS) multi-centre population cohort. His research interest lies in using advanced statistical modelling and machine learning to measure dementia risk. Connor blogs about his research, Equality, Diversity and Inclusion and sometimes his Pomapoo's. -- Enjoy listening? We're always looking for new bloggers, drop us a line. http://www.dementiaresearcher.nihr.ac.uk This podcast is brought to you in association with Alzheimer's Association, Alzheimer's Research UK, Alzheimer's Society and Race Against Dementia, who we thank for their ongoing support.
Dr Connor Richardson narrates his blog written for Dementia Researcher. Thinking about applying for a fellowship can be daunting and often feels like the next big pressure you face after finishing your PhD. Connor knows this as well as anyone, and he put-off deciding for 3 years. However, last year (after feeling the career drift mentioned in his last blog) he committed himself to go for it and has recently been awarded a 2-year NIHR Applied Research Collaboration (ARC) Dementia Fellowship (partnered with Alzheimer's Society). In this blog, Connor reflects on preparing for the application, the application process and what he has learned from the experience. Find the original text, and narration here on our website. https://www.dementiaresearcher.nihr.ac.uk/guest-blog-my-path-to-an-nihr-arc-dementia-fellowship/ -- Dr Connor Richardson is a Neuro-epidemiology Research Associate (soon to be NIHR Research Fellow) in the Newcastle University Population Health Sciences Institute. Connor is the research statistician for the Cognitive Function and Ageing studies (CFAS) multi-centre population cohort. His research interest lies in using advanced statistical modelling and machine learning to measure dementia risk. Connor blogs about his research, Equality, Diversity and Inclusion and sometimes his Pomapoo's. -- Enjoy listening? We're always looking for new bloggers, drop us a line. http://www.dementiaresearcher.nihr.ac.uk This podcast is brought to you in association with Alzheimer's Association, Alzheimer's Research UK, Alzheimer's Society and Race Against Dementia, who we thank for their ongoing support.
We continue on Philanthropy Today to get to know some of the finalists for the upcoming CFA Awards. This episode features 4 delightful people in Manhattan!Michael Gassman talks about "Common Table," an effort to provide meals to anyone in the community. Common Table is a finalist in the Civic Philanthropy category.Jill Mason-Schneider is a finalist for the CFA Rising Star Award. Jill is engaged in a number of organizations, and she speaks about her work with Catholic Charities and Girls On The RunMary Ann Pittman is a finalist for the Distinguished Volunteer Award. Mary Ann, a native New Yorker, is a volunteer for organizations like Thrive and the Flint Hills BreadbasketEmilie Smith owns the Tooth Story, a dentistry that specializes in working with Children. Tooth Story's staff works with a number of nonprofits in the community. Tooth Story is a finalist in the Business Philanthropy category.Get your tickets for the CFAs, March 20th at the HIlton Garden Inn/Manhattan Conference Center. Go to the website below and join us as we recognize passionate and gracious people in Manhattan!TheCFAs.Commcfks.org#theCFAs #Philanthropy #Volunteers #Foundations #CommunityFoundationsGMCFCFAs
The Greater Manhattan Community Foundation is hosting the annual Community Foundation Awards on March 20th at Manhattan's Hilton Garden Inn. This episode of Philanthropy Today features 2 CFA finalists. In the Civic Philanthropy category, Vickie Greenwood shares how the Konza Prairie Quilter's Guild works to help comfort youngsters going through a difficult time. Sue Gerth is a CFA finalist in the Distinguished Volunteer category. She shares some touching experiences that have led her to work for several non-profit organizations.Tickets are available for the CFAs at TheCFAs.com#GMCF #TheCFAs #Quilters #ThriveFlintHillsmcfks.orgTheCFAs.comThriveFlintHills.comGMCFCFAs
Dr Connor Richardson narrates his blog written for Dementia Researcher. Career drift can happen when you proceed on your professional career course with no plan, or when a career strategy goes awry due to conditions beyond your control (like a pandemic.... or in academia... a lack of funding maybe?). It is easy to become reactive and stop being proactive career moves, taking the next job because it was offered (without building toward long-term goals) and now you feel stuck. Well, that's kind of how Connor felt in 2022, coming out of the pandemic, but could 2023 be a new year? Was that period of drift actually useful, and was 2022 all bad? Questions he answers in this blog. Find the original text, and narration here on our website. https://www.dementiaresearcher.nihr.ac.uk/guest-blog-am-i-in-career-drift-mode/ -- Dr Connor Richardson is a Neuro-epidemiology Research Associate in the Newcastle University Population Health Sciences Institute. Connor is the research statistician for the Cognitive Function and Ageing studies (CFAS) multi-centre population cohort. His research interest lies in using advanced statistical modelling and machine learning to measure dementia risk. Connor blogs about his research, Equality, Diversity and Inclusion and sometimes his Pomapoo's. -- Enjoy listening? We're always looking for new bloggers, drop us a line. http://www.dementiaresearcher.nihr.ac.uk This podcast is brought to you in association with Alzheimer's Association, Alzheimer's Research UK, Alzheimer's Society and Race Against Dementia, who we thank for their ongoing support.
¿Es el Bitcoin un fraude o una burbuja financiera? Para responder esta pregunta tuvimos una charla con los hosts del podcast MoneyTalks (a nuestro gusto de los mejores podcasts financieros que hay), para tratar de responer esta pregunta. Al final todos queremos hacer crecer nuestro dinero, mantener su valor en el tiempo y nadie quiere caer en una burbuja o fraude. Los 3 invitados son CFAs, financieros de mucha experiencia.
Dr Connor Richardson narrates his blog written for Dementia Researcher. Connor is back to the second part of his introduction to the dementia researcher blog. In this piece Connor introduces himself as a researcher, with a tour of his career so far - with a great demonstration how one move, leads to the next. Find the original text, and narration here on our website. https://www.dementiaresearcher.nihr.ac.uk/guest-blog-my-research-career-from-biochemistry-to-biostatistics/ -- Dr Connor Richardson is a Neuro-epidemiology Research Associate in the Newcastle University Population Health Sciences Institute. Connor is the research statistician for the Cognitive Function and Ageing studies (CFAS) multi-centre population cohort. His research interest lies in using advanced statistical modelling and machine learning to measure dementia risk. Connor blogs about his research, Equality, Diversity and Inclusion and sometimes his Pomapoo's. -- Enjoy listening? We're always looking for new bloggers, drop us a line. http://www.dementiaresearcher.nihr.ac.uk This podcast is brought to you in association with Alzheimer's Research UK and Alzheimer's Society, who we thank for their ongoing support.
Dr Connor Richardson narrates his blog written for Dementia Researcher. We're delighted to welcome a new blogger to our staff contributor line-up. Welcome to Dr Connor Richardson, Neuro-epidemiology Research Associate in the Newcastle University Population Health Sciences Institute. In this first blog we get a gentle introduction to his background, and a taster of the things to come in his future blogs. Find the original text, and narration here on our website. https://www.dementiaresearcher.nihr.ac.uk/guest-blog-connor-richardson-introduction/ -- Dr Connor Richardson is a Neuro-epidemiology Research Associate in the Newcastle University Population Health Sciences Institute. Connor is the research statistician for the Cognitive Function and Ageing studies (CFAS) multi-centre population cohort. His research interest lies in using advanced statistical modelling and machine learning to measure dementia risk. Connor blogs about his research, Equality, Diversity and Inclusion and sometimes his Pomapoo's. -- Enjoy listening? We're always looking for new bloggers, drop us a line. http://www.dementiaresearcher.nihr.ac.uk This podcast is brought to you in association with Alzheimer's Research UK and Alzheimer's Society, who we thank for their ongoing support.
Dr. Dimitre Ranev, one of the co-founders of Physician Empowerment, hosts the show this episode to talk with guest Rod Burylo about financial advice, banking, and fiduciary duty. Rod Burylo is an expert in the industry, Chief Financial Officer of the Empowerment Office, and the author of “The Wealthy Buddhist”, and shares a wealth of insight with listeners.Rod Burylo defines some of the roles that exist within the financial industry, helping to clear up confusion surrounding the types and quality of advice available to consumers. He breaks down exactly what it is that differentiates a personal banker from an investment advisor from a portfolio manager.In this episode, Dr. Dimitre Ranev and guest Rod Burylo explore the advisor options that exist in the financial industry for professionals like physicians. Rod defines and explains what fiduciary duty means and who in the industry actually has it. He demystifies the role of portfolio managers and explains how a portfolio manager is empowered to work with finances and investments on behalf of their client through fiduciary duty. The conversation Dimitre and Rod have shines light on how accessible portfolio managers are, and provides important clarity on how roles within the financial industry apply directly to specific services listeners may want.About Rod Burylo:Rod Burylo is the Manager of IFM & EMD Services at Axcess Capital, providing governance and risk mitigation support to capital raisers and investment managers.Rod has worked within the financial services industry for over 30 years in a wide range of roles including Director, Chief Compliance Officer, and Director of Marketing. He has extensive experience in the exempt market sector as past CCO and owner of Canada's largest Exempt Market Dealer.Rod is a Canadian Advisor of the Year Award winner, 2019 Champion of Financial Literacy Award Finalist, international speaker, and author of three books.Resources discussed in this episode:Axcess Capital AdvisorsEmpowerment Office“The Wealthy Buddhist: Buddhist Ethics, Right Livelihood, and the Value of Money” by Rod Burylo—Physician Empowerment: website | facebook | linkedinRod Burylo, CIM FCSI: Chief Financial Officer at Empowerment Office: linkedin | book__Transcript:Kevin Mailo Hi, I'm Dr. Kevin Mailo, and you're listening to the Physician Empowerment Podcast. At Physician Empowerment, we're focused on transforming the lives of Canadian physicians through education and finance, practice transformation, wellness, and leadership. After you've listened to today's episode, I encourage you to visit us at physempowerment.ca - that's P H Y S empowerment.ca - to learn more about the many resources we have to help you make that change in your own life, practice, and personal finances. Now on to today's episode. Dimitre Ranev Welcome everyone to the Physician Empowerment Podcast. I'm really honored to have Mr. Rod Burylo today as guest. Rod is a renaissance man in the financial industry. He wears many hats and has many roles, but currently his projects are that he's the manager of Investment Fund Services for Axcess Capital. He's also a consultant to portfolio managers, accountants and professional associations. And, importantly to us, he's the Chief Financial Officer of the Empowerment Office. He's an Advisor of the Year award winner, media contributor for over 30 years including for the CBC Radio and other leading newspapers. He's also an excellent teacher, which I can attest to because when I first met Rod a couple weeks ago actually, he explained a concept to me that I could not understand and it just clicked. And that's how I know that somebody is a good teacher when they can simplify something that's hard to understand. It's not surprising, because you've had over 20 years of international teaching experience, right? In many topics. I think currently, you mostly talk about professional ethics in alternative investment strategies. And finally, I do want to mention that Rod has published a book in 2019 that I find very interesting and I hope we can talk about it in the future. It's called the "Wealthy Buddhist: Buddhist Ethics, Right Livelihood, and the Value of Money". So again, Rod, thank you for joining us. What I do want to talk about today is an issue that I've noticed talking to other professionals, doctors, is there seems to be quite a bit of confusion about the actors who are involved in the financial advice industry. And specifically three things. We don't necessarily understand what the different roles are, what the different skill sets are, but also what is the duty to the client, to us, because I mean, we're seeking their help. For example, to give an analogy with medicine, obviously when you go to a doctor, you can make a couple of assumptions, not always true, unfortunately, but most of the time should be true. First of all, that they have a license to practice medicine in Canada. And secondly, they have a duty of care to their patients. But that's not as clear to me or to other professional, to other people I talk to, when it comes to financial advisors, or people doing financial advice. So Rod, I guess, do you find that that confusion does exist? And what are some reasons you think it does exist within us, within people that are looking for financial advice? Rod Burylo Yeah, that's a wonderful question and very important. Definitely confusion exists around that, not only amongst consumers, people that would seek out financial services persons, but honestly, there's confusion amongst the people within the financial services industry, as well. So there are some people that are in different roles that think that they have a greater responsibility than they in fact have. And then there's others that, unfortunately, might miscommunicate to consumers about that level of responsibility, perhaps setting false expectations around that. Why is that confusion there? Well, you know, I think there's a few reasons. One of them certainly is that there's a very, very wide range of participants in the financial services industry, and depending upon their level of licensing, or registration, or the types of organizations they're working for, their responsibility could vary greatly. Another reason for the confusion is that the people participating in the industry might misunderstand what their registration category requires of them under certain circumstances. And the final place that some confusion might come in is around notions of fiduciary duty, for example, where it's generally accepted that it would be up to a court to decide or judge to decide if, in a particular circumstance, a particular financial services person had a fiduciary relationship at that time. So there's a lot of questions that can arise from this. Dimitre Ranev Right. And we'll talk about the fiduciary duty a bit later, because that sort of blew my mind. I made some assumptions about what that meant and I think it's important everybody understands what it actually means and that it's not as common as you think it is. So I feel like when there's this risk confusion, it's really important to go back to first principles and just definitions, like defining who does what, that's a good place to start. I've looked at some of the actions that I've encountered in my financial journey and perhaps, Rod, you can discuss about what the role is and what their skills are and how they can be useful to professionals. And the first one that a lot of us encounter, not all of us, are personal bankers. Can you comment on on how they fit in in just the financial team of somebody like a doctor? Rod Burylo Yeah, a personal banker - I actually had a role of a personal banking representative with Royal Bank back in about 1990, and so I can speak to that, you know, from actually doing that job - so one of the ways that we categorize responsibility in the financial services industry is one category is often referred to as a guidance role. And as a rule of thumb, people that we typically find in the historical banking type roles, the personal banking representative roles, would have what we call a guidance role, which means that their responsibility is to help guide a consumer make a choice, which is a long way away from more more onerous obligations they might have. And often the people in those basic branch roles have, what I would say in my opinion, very minimal education or licensing requirements around that, often they have something as basic as a mutual fund registration category, which really is just one course. This might surprise a lot of consumers out there, but historically a mutual fund registration category did not even require a structured continuing education requirement, where almost every other category license or registration in the industry required that. Where it didn't not even require that, there was not even a requirement to take ethics classes for most of these people going forward. So it'd be a very basic, introductory, you know, grade one level of education that's required. And they're typically dealing with proprietary products from that institution. And their obligation is to help someone choose amongst a fairly limited range of products and services. And again, this is stereotypes, but this is a very useful way of looking at it for most consumers most of the time. Dimitre Ranev So if you do want to get, and correct me if I'm wrong, but if you want to get a line of credit from that bank, you would go to them, or if you want to get a loan, is that where you'd go to, is the personal banker? But specifically to that bank? Or am I misunderstanding this? Rod Burylo Well historically, like when I was a personal banker with Royal Bank, there was a mandate to develop relationships with certain market segments. And we used to call them, you know, at Royal Bank, VIP clients, for example. And there was a requirement to build relationships with those people, understand their needs, and present to them a range of possible bank services, including lending services, credit services, but it might also include savings accounts, you know, basic investment accounts, through mutual funds, and those kinds of things. But, you know, I've been a VIP client of Royal Bank for a very long time. And I don't mind saying that, I'm not critical of them, but nobody has reached out and contacted me to build a relationship with me in a very, very, very, very long time. You know, so what I was taught back in the 1990s about trying to have a relation, this know your client philosophy that's a critical part of the financial services obligation, I don't know how that's showing up in the relationships that I have. So I wouldn't, if I was a consumer, I wouldn't expect very much in terms of obligation from these people. And I wouldn't expect very much in terms of true advice and guidance. And I want to say something that might be considered a little off color, and I have to tell you I've never been sued yet, even though I've been a critic of the industry for a very long time, but I don't intend to do it anytime soon. But, you know, here's the one of the ways that we would often look at many of the people in the banking industry is - and this has been really candid for your audience - there's no money in being a personal banker. And I never saw anyone that I thought was excellent at that stay in those roles, because there's not money being made. So they do one of two things. Either they, and again, this is a gross generalization, but they tend to want to work up the bank ladder, so increasingly stepping away from the consumer. So I would see really good people in the banking system not dealing with consumers anymore, because they went a different direction, or they left the banking environment entirely and went on to a different situation where they had a wider range of products and services, or they were in control of their business or their practice. So for example, there was a time in the 1990s, where myself and some of my friends at Royal Bank went to Investors Group. And at Investor's Group we felt we had a wider range of products and services and a different business model. Our compensation was more greatly tied to the successful outcomes of the consumer than they were previous to that. So that would not be the place that I would go to for sophisticated financial advice. You don't tend to have entrepreneurs with multimillion dollar businesses working at the bank. And so as a consumer, if that's you as a physician, you've got to find, in my opinion, you've got to find people who are living a life more like yours in the sense that they are entrepreneurial. They're buying buildings, they have staff, you know, they're creating personal wealth from their efforts, they have advanced education, and so on. They're far more likely to get you and get the kinds of services that you might need in my opinion. Dimitre Ranev That makes sense. I laugh because I'm also a VIP client for RBC and I don't remember ever getting a call from anybody there. It's interesting, I guess back in the day they used to do that. Alright, so there's a limited role for personal bankers, in that case, for our audience. So let's move up the ladder, maybe it's not even a ladder here, but what about investment advisors? What's... this is where I started getting confused. What are investment advisors? What is their role? And what is their duty? Rod Burylo Yeah, so that's a really good question. And this actually is interesting you should be asking about this now, because we've just come out of a year of some fairly significant developments in that regard. So when we use the word advisor in Canada, historically, one of the reasons there's confusion is there was not what we now call title protection. So - Quebec had title protection, but most of Canada did not - and so there were people out there using the word advisor without it being regulated, you know. So a consumer would go 'Well he's calling himself a financial adviser, or she's calling herself a financial advisor', and I'm not sure at all what that means, and you can understand why the confusion would be there. But historically, a lot of those people would have beyond a basic licensing or registration, and would start to more often see a designation. So when I say the word licensing or registration, I'm referring to someone that is registered to sell mutual funds or licensed to sell life insurance, where a designation in financial services industry tends to refer to some kind of more sophisticated financial planning education. These people tend to be more holistic. And you'll see letters after their names in Canada, like CFP, for example, which is probably the most common in that category. There were some really cool things that happened last year, two of them actually that are really worth noting. One is we had something called Title Protection for the rest of Canada confirmed last year. And what that means going forward, if you find - this is how it's supposed to work - if you find an a financial services person that's referring to themselves as a financial advisor or a title very similar to that, they are supposed to have a recognized credential from an approved credentialing body. And the last we heard in Canada is there was some expectation there would be single digit number of these credentialing bodies approved. So there used to be a whole bunch of them, anybody could open up a business saying 'I'm going to provide a credential to financial services people, charge them a fee to get the credentials, and then charge them an annual fee to keep these things up' and make a business out of it. And sometimes consumers weren't really getting, you know, a sophisticated quality. So there was a movement in Canada that said no, if you're going to call yourself an advisor, you have to have one of a short list of credentials, and the bodies that are providing those credentials have to be approved. So historically, there would be more confusion than I think there will be kind of starting from now. So that was the first thing that happened last year. The second thing that happened last year was something called client focused reforms, or CFR is often the acronym. And there was two stages of the introduction of client focused reforms but the crux of it was last year is that it was supposed to oblige people in the financial services industry, both individuals and the companies in that industry, to have to put the needs of the clients first. And this should be shocking to a lot of people that - and I think you and I talked about this a couple of weeks ago - it's only last year that there was even a nationally recognized requirement to put clients first and manage conflicts of interest around product distribution and those kinds of things that never existed before. So theoretically, for everybody, we should start to see as of this year, some improvement, some clarification, but I do want to stress, nothing and anything that we saw about these client focused reforms uses the word fiduciary duty. And I do want to comment, and I want to say to your audience out there, in the introduction you talked about me consulting to professional associations, one of the roles that I've had in Canada is helping these professional associations draft policies and procedures, as well as codes of ethics and mechanisms for enforcing codes of ethics and those kinds of things. So I'm a weird guy, I actually have a binder in the room behind me, it's got all these codes of ethics from different professional associations like CFAs, and I study them. Because - you didn't mention this - but my specialty in university in the 1980s was applied ethics, my postgraduate research was actually in Biomedical Ethics at the Foothills Hospital here because I thought I was going to go to law school with that and have my kids early and I ended up in this industry. So, you know, the study of ethics as a practical study, but also kind of more academically, is something that means a lot to me. So when I've looked at these codes of ethics for these credential people, they're very careful in there not to say that anybody has a fiduciary duty. And in fact some of them will say things like, you may have, in certain circumstances based upon the relationship with the client, blah, blah, blah, a judge will decide, but there is no confirmation in any of that stuff that someone has a fiduciary duty, even with these client focused reforms. Putting the client first is not the same thing as having a fiduciary duty. Because let's say that I have a very limited range of products and services, because I work for a big company, in everybody's mind is that as long as I'm helping them choose from my products and services with their interests in mind, I'm okay. But it's not obligating me to go out and find the best solutions, just solutions that are okay for the client but not necessarily the best solutions. So that's kind of where we're at today from all of that, so improving, but probably still quite a bit different than most people thought that they were getting from these relationships. Dimitre Ranev So a couple of things that surprise me. So the whole title protection... so what you're saying is - this is a metaphor using, again, the medical industry - is last year, a doctor could just say he's a doctor, and then wouldn't have to prove they were a doctor, no licensing would be required, or a dentist would just say 'I'm a dentist', and that the financial industry was doing that until last year. Now there's an - oh I guess Quebec wasn't but Ontario and all the other provinces - that's very surprising to me. But I'm glad it's changed, it's great it's changed. And the other thing you mentioned, and I think maybe we'll move on to fiduciary duty here, but you talked about how if they - what did you say that they have as opposed to fiduciary duty, you have to do the best for the for the client? Well, what is that phrase that they use? Rod Burylo Putting the clients first before all other needs. Dimitre Ranev But if they can only sell you a specific product, they won't go above and beyond to find other products. So, for example, it's a doctor just giving one pill for depression, because they work for that company. Okay, got it. Rod Burylo Yeah, it would be more like that. So we have a standard that applies to most people in the financial services industry, which is one of the standards is called the standard of suitability assessment. And so if you came to me and said, 'Hey, I'm looking at an investment, is this suitable?' It's like saying it's either okay or not okay. And the suitability assessment is based upon things like your risk tolerance and your personal objectives. But nowhere in there is the obligation to ensure that it's the best solution to your problem. It's just an acceptable solution. So if you say, I want a cash flowing investment, and I find a cash flowing investment, we know everybody might say that suitable, but it's not necessarily the best. Dimitre Ranev I understand. So maybe we can go back to to the actors, but I think it's a good time to actually talk about fiduciary duty. Talk about that specifically, because that's where.... it's funny that the way I met you, right, is I was talking about fiduciary duty and obviously I didn't know what I was talking about so ou were typing furiously, I need to talk to Dimitri, to Kevin, and then you gave me a twenty minute lecture. And I'm like, okay, now I understand. So thank you very much. No, don't apologize. I really thank you. And I actually, when I did the presentation later on, I talked about that. So I thank you, but can you educate the rest of the audience about what fiduciary duty means? And I guess what percentage of people actually have that in financial industry? Rod Burylo Yeah, so the concept of fiduciary duty is, as we've been talking about, is a requirement to put the client's interests ahead of all other interests. It's an interesting principle, but it's sometimes hard to see how that actually plays out in a very specific role or a specific client relationship. So one of the ways I like to talk about this is let's go back to that banker role, when I talked about a traditional role of a banker type investment person as being about guidance. That's often how that category is referred to. The next category up is often what has been referred to as an advisory category, which is not - so guidance is helping someone make a choice, advice is more telling them what their choice should be. The practical application of fiduciary duty now, which is the highest standard, is really the advisor just making the choice for the client. And so let me explain to you how that plays out. In all the various registration categories in Canada in the investment space, one of the ones that is considered to be the highest is what we call a Portfolio Manager Registration Category. And that is a category that's granted by two types of entities in Canada. One is a provincial securities regulator. The other is IROQ, which is where you would find your stockbroker type people as well, because their responsibilities overlap a little bit depending upon where the advisor is actually working. But the concept of the portfolio manager in that space is similar in the following way: a portfolio manager has a discretionary ability to manage money. So let's say I'm your portfolio manager, and I've worked with several of these in Canada, by the way, and these roles, and you decide that you want me to be your portfolio manager. And you're going to allow me to look after $100,000 of your money. Once I determine your risk tolerance and your objectives, and we have that conversation, and I come up with kind of a sample approach to helping you based upon your parameters, I am now just empowered to go ahead and do that. So let's say I'm your portfolio manager, and we decided we're going to allocate some of your funds to buying a publicly traded bank, Royal Bank, I just go buy Royal Bank. I don't ask you. That's the difference. And one of the reasons you have to have a fiduciary duty there is because you are not participating in the process, I'm just going and making the purchase. And if I don't like Royal Bank anymore, in that category, let's say I want to switch you to TD for whatever reason, I don't call and ask you, I just switched you to TD. So you can imagine if I didn't have your best interests at heart, I might be funding some private equity deal that my brother is managing and I've got a back end piece of and, you know, I'm clearly not objective in these matters, I clearly have conflicts of interest that are not being disclosed. So a regulator would come along and say, 'Wow, you're just basically doing whatever you want to do with Dimitre's money.' Of course, you have a fiduciary duty there. Because in that case, it's the nature of the power you have in the relationship. It's hard to say a banker has a fiduciary duty if I say to you, 'Hey, do you want to have the Canadian Equity Fund or a Canadian Balanced Fund?', and you go, 'Well, I'm kind of conservative, blah, blah, blah', you're Balanced Fund, you know, we only got so many of them, and it's huge. And nobody gets too anxious about that, because you're kind of making the decision with my guidance. Where on the other end, I'm just doing it. And so the number of people that that have that registration category in Canada is actually fairly limited. It's surprising. And this is one of the reasons I talk to you about that. So the people that actually have a fiduciary duty, what I would say, as a matter of fact, as a matter of merely having that registration category, it's understood you have one, those numbers of people are fairly small in the grand scheme of things. And to get there, by the way, you have to have advanced education, you have to have certain number of years in training, being supervised by people in that role, you can't just show up and say I want to be a portfolio manager. It is a process. You know, where mutual fund licensing categories and stuff like that are pretty straightforward. You spend a month studying a class, you pass a course, you're up and running. These other things take possibly years and require advanced designations to get there. So I have some advanced designations that were required of me to be in these kinds of supporting roles in that environment. But you can't just automatically do that. So the other way that a person could have a fiduciary duty is if the nature of the relationship is such that you are really reliant upon me, I have a lot of power and influence over you, perhaps a senior or - and I don't mean to say that all seniors are vulnerable, I'm not gonna do that - but there's a concept in Canada that was established as part of those CFR reforms, called the vulnerable client. So a client that's particularly perhaps reliant upon a person's opinion and so on. If there was a problem in that relationship, and this person was not a portfolio manager, they're just a regular advisor, and they went to court, a judge might decide that in that particular circumstance, that person did have a fiduciary duty. But I gotta tell you, I've been at this a long time, and I don't think those kinds of court cases are all that common. You know, we don't hear about that. And there's one more thing I want to say about the portfolio manager stuff that sometimes blows consumers away. And because a lot of this stuff, you might say, well, what does that mean for me, what do I really care if, you know, if they have this duty towards me, or if I'm not going to sue them, what difference does it make? But there's some real practical problems. So I'm going to give you one for example. And I wrote a paper in 2007 called Move It or Lose It, and it was a discussion of why I thought the market was going to drop. I got a little lucky with that topic, because in 2008 the correction started. I got lucky. And the last time I did this speech I was actually in Las Vegas, I was speaking to a conference of advisors, Canadian advisors in Las Vegas, and a lot of the advisors used to push back when I would say things like, I think the markets going to correct and so on. And the very next day after that last speech, Lehman Brothers announced their bankruptcy and the market started to freefall. But here's one of the reasons why advisors get upset about that. If I tell a bunch of mutual fund advisors, for example, or stockbrokers even, that the stock market is going to drop, we think it is, what do they do with that information? Consumers might think their job is to help people buy low and sell high. And if the market is going to drop, maybe suggest that they sell and wait for the market to drop and buy back, and we have these fantasies that this is going to happen or maybe we saw TV shows and stuff like that, but here's the reality of it. If you're a person that's not a portfolio manager, it means you have to talk to every single client about a trade. They have to approve every single trade. I don't get paid to do trades, to move people from one product to another, you're not - that could be churning, right - so most of the time people are moving money from one portfolio of mutual funds to another, trying to change the market, I'm not getting paid. But the mere fact that I'm reaching out to possibly hundreds of clients, which could take months - that's assuming they're in Canada and they're not snowbirds and any other thing that could complicate it, they're not in the hospital - I've got to somehow get to all of these people while the market is doing this, and get signatures and confirmations from everybody. It's a nightmare. The thought that most of the people in the industry could actually effectively help people sell high and buy low in these environments, it's not realistic even in the slightest. So who do they call? They might call their mom and dad, they might do their own account. You know, if Dimitre's their buddy and Dimitre's got a bunch of money sitting over there with the bank, we're trying to get over, Dimitre I got some news, we got to act now, man, because I'm trying to get.... but the reality is most of the clients never get the call. And so what do they teach these people? They teach those types of advisors to tell their clients, don't worry, these are not your numbers, you're gonna retire in 20 years. And they coach them to be complacent, or calm, depending on, these are politically charged expressions, I acknowledge. They encourage them to be calm and try to get them to reframe how they think about this, but it's in part because they can't actually help them buy low and sell high as a scalable activity. It can't be done. And so let me connect the dots for everybody out there. This is one of the reasons why the concept of a portfolio manager is so important. Because if I'm a portfolio manager, I don't have to call everybody. I can trade $10 million worth of Royal Bank in seconds on the computer for hundreds of clients. It's very fast, it's very effective, it's very cheap for the client, because I'm doing it all now. But to do that, I need to have full responsibility for everything that I'm doing, and therefore a fiduciary duty. So here's the takeaway, most of the people can't be an environment where they can have a fiduciary duty, most consumers will not benefit from that environment, we should want those people that are portfolio management have fiduciary duty, not just because they have that duty. But because since they have that duty, they're in an environment where they can do things very quickly and effectively. And that's one of the reasons why I try to teach consumers about what these different categories look like, so that they can not only manage your expectations, but hopefully get better relationships that are more effective for them. Does that make sense? I know that's a lot of information. Dimitre Ranev No, it makes sense. And two things I want to sort of expand on. It's funny, because when I used to have a, I guess a portfolio - I didn't have, I never had a portfolio manager - but had an investment advisor, I used to get those emails when the market went down saying oh, you shouldn't shouldn't worry, you're in for the long haul. So that's interesting that it's almost automatic, I guess, because they can't do much. But second, you had a great analogy that I seriously stole, thinking about a surgeon, right? If a surgeon has to call about every cut he makes and ask the family 'Can I cut here?' Okay, sure. 'Can I cut there?' Okay, sure. That's the difference between a portfolio manager and an investment advisor. An actual portfolio manager does not have to call for every single trade. So my question to you then, is how accessible are portfolio managers for, again, for professionals such as doctors? What are the fees like? Does it make sense for people to, I mean, is it accessible? How about this, let's just start with the accessibility question. Rod Burylo And actually, there's some irony around this as well. And I'm here not to speak in favor of any particular portfolio manager. I want your audience know I'm not marketing or promoting anybody. But as a general concept, here's one of the cool ironies about the portfolio manager concept, is you might think that because these tend to be the most sophisticated, the most educated, the ones with the greatest responsibility, that that means they're also the hardest to find or the most expensive, right? But here's part of the irony. If I can effectively trade 10s of millions of dollars just by doing this, then that means I can actually scale my service to a wide range of audiences. So most of the portfolio managers that I've dealt with in Canada have minimums, some of them had quite low minimums, and sometimes $50,000 minimums. Which shocks people to think that I can actually get the best, in my mind, the superior category of management for a relatively small account size, in part because of the scalability of it. Now as a practical sense, I tend to see most portfolio managers starting with 100,000 minimum, and then you get up to bigger shops that will do million dollar minimums, but mostly because they can. They just say we're not going to look after retail consumers, we're going to do a hard line at a million dollars. So within this category of Portfolio Manager, what you might find for those that are providing services on what we might call a smaller account, let's call it 100,000, they probably have what we call a very systematized or pooled approach. So you and I, with our 100,000 and a portfolio manager are participating in pools that they've created. They're not buying and selling for you and I specifically, they're buying and selling within the pool. And so we happen to be participating in the pool with small dollars. It's not a unique range of investments for us, it's not a unique portfolio, but it's very effective. As you have more money, some of these portfolio managers will provide what's called a Separately Managed Account or an SMA. An SMA account would be me saying to Dimitre, oh Dimitre, you're gonna give me a million dollars? I'm going to create something especially for you. Now, it might look a lot like the pool funds. They're portfolio managers, they're just human, they can only analyze so many stocks, they can only be good at so many strategies. But there could be some tailoring to the client. So let's say a doctor has a corporate account, the taxation of investments in a corporate account are going to be different than in an RRSP. And so it would make sense that if you're talking to a portfolio manager, you could say, 'Hey, this is corporate money so we should have a slightly different strategy', which makes sense. If it's in an RRSP, it might not matter. But I typically see separately managed accounts starting at around a million dollars. But I've also seen some 800,000, half a million dollars, and it kind of depends upon the portfolio manager. You know, so they can make a choice, if Dimitre says, you know, I've got $5 million but I'm gonna give you half a million dollars to start, I might be inclined to say I'm going to treat you, you know, because I want to get the rest of it, I'm going to really pay attention to your half a million dollars, not my normal minimum, but I'm going to do it for you, because I'm looking at a bigger picture. You know, or Empowerment Office, for example, one of the groups that I'm working with, representing doctors as a collective has some negotiating and bargaining power with portfolio managers to begin to reduce the price or reduce the level that they'll do these tailored approaches. So what's the price of that, that's one of the things you asked. I would say you typically would be looking - and depends upon the services provided by the portfolio manager - if the portfolio manager is just providing security selection, so buying stocks, bonds, private offerings, trading those for you, and they're not doing anything else, they're not doing estate planning or tax planning, you have other resources for those, you might be looking at a price, let's say 1%, 1.5% of assets under management in that range. If they start adding on other pieces like financial planning pieces, then you can start seeing the price go up, and usually I see it start maxing out around 2%. But I gotta say there's a wide range of possibilities in there, because if the portfolio manager is picking other products, those products could have prices in them as well. So I might be charging a fee to help, you know, to buy a fund, a third party fund that's been created, but there could be fees embedded in that fund. And that's one of the things consumers have to be very, very careful of, is sometimes a manager of investments might say, 'Hey, I'm only charging you 1%'. So they walk around thinking that the cost of management is 1% because that manager only has to talk about what they are actually charging themselves, where the other products could also have fees associated with them. But let's say as a walking around concept, somewhere between 1% and 2% would be normal. And again, depending upon the level of other services being provided within that relationship. Dimitre Ranev So a couple of points, it already seemed to me, but first of all, it does sound like it's accessible to most professionals. So I think there's a misconception that for a portfolio manager to be actually wanting to take your business we're talking about a million dollars or half a million dollars, but I think that's more coming from the idea of hedge fund managers, which can go up to 25 million, right? So that's good to know it's accessible. Secondly, it's interesting that the fees can start at 1%. Because that's actually lower than a lot of mutual funds. That's surprising to me. Rod Burylo Well and isn't it ironic that I'm making a case that buying a bunch of mutual funds, where the mutual fund advisor can't readily buy and sell on their own volition, they have to come to you for everything, meanwhile the portfolio manager is buying and selling and trading, I typically see the performance better, I typically see a lower cost, it makes a bunch of people like us go, why in the world would you not go to a portfolio manager? Why would you not go? And the only reason that I can come up with typically is - well, there's two reasons - is I don't quite have enough money to get started with the portfolio manager, or the person wants to do a lot of the stuff on their own and try to bring down that 1% to, you know, let's say ETF type prices of .1 or .2 or or .3, that kind of thing. But I don't mind telling you that I have the top designation with the Canadian Securities Institute, but I don't buy all my stocks on my own. I buy all my own private offerings through my own analysis and my own contacts. But I have relationships out there that helped me understand public markets. And there's nothing wrong with that, some of the best people I know in our industry still go to other people for help. And I don't mind paying a little bit if it shows up in the performance overall. Dimitre Ranev I have so many questions. But you know, we're running out of time. A couple of more here. So, for example, would a portfolio manager have access to alternative investments, such as limited partnerships or things that, for example, as a DIY investor would never be able to invest in? Rod Burylo Yes, yeah. In fact, the portfolio managers I've worked with in the past have tended to have a strategy or a skill set, that's not common. And the reason why I've looked for that, not only for employment opportunities as a consultant in that space, but as a consumer of investment services, is I subscribe to a variation of what we call the efficient market hypothesis. Which basically states that information is so available to everybody out there all the time, you know, everybody's sitting there on Bloomberg access and on terminals, that everybody has the same information. And if you don't have information that's available, that means you have insider information. So you're likely in the realm of possibly committing a crime. So if we all have the same information and the same analysis at the same time, why would you think that the prices of securities are not the right prices? That's what we say about being efficient. So what portfolio managers will often do is, because of that efficiency, is they'll apply strategies or approaches that help bring value to the process. So I'll give you an example. You said it already, limited partnerships and private securities, offerings that consumers can't get in on their own, you know, if I got a billion dollars as a portfolio manager, and I'm allocating, you know, 1%, to different offerings, I have millions of dollars to go buy an apartment building. And I can buy it like that, and allocate funds there, and so get these clients participating in something they wouldn't have participated in. So a portfolio manager, in my mind, the best ones, for the best price, given the best value, are doing more than just buying stocks and ETFs. They're doing those things. And I'll give you one more example. And this now sounds more hedge fund-ish. But one of the portfolio managers I worked for in Canada for several years, was an option strategy specialist. And options strategies are hard to scale up for an individual, but they had hundreds of millions of dollars under management, very effective team, so if somebody was interested in the hedging power of option strategies, if they were interested in it, I always said it makes more sense to go to a big group where there's a whole team doing it for hundreds of people in the order of hundreds of millions of dollars, then you trying to figure it out on your own. You know, so they're trying what I would call the secret sauce, what's the secret sauce with that portfolio manager? What are they bringing to the table in terms of value? Can they articulate it? If they can't, that might be a warning sign, you know. Doesn't mean they're bad, but it might not necessarily mean you're getting a special value out of it. Dimitre Ranev The robinhood, the trading app, was pushing option strategies for people for $10. But that's not a good idea. Two follow-up questions then. So number one is, you know when you look at the whole active versus passive debate - which is very cloudy and confused, and quite frankly, on both sides, I think dishonest - because when you look at the passive debate, they always compare returns to just a slew of different things like mutual funds. Is there any actual studies, and I know studies are hard to get in financial industry, looking at specific portfolio managers and how well they do compared to the market? Is there actually anything out there, and I'm talking about portfolio managers, forget about mutual funds or the other definition of active investments. Rod Burylo I'd say there's a lot of portfolio managers that don't outperform the market and that have their fees. And fees go up, the more active they are, or they're more they're trying to do unusual things, that generally means that the price is going up. And yeah, as a rule of thumb, they don't tend to outperform the market. And even if they did in one year, you know, there's a lot of studies that suggest that that's not a replicable thing. You know, they had a good year, and maybe, and so one of the things about taking risks with securities, a risk is, by definition, a risk. It could pay off. And it might not. To have an unusual performance relative to a benchmark, it means you've got to take on some unusual level of risk to do that. And by definition, that means sometimes that risk will pay off, and sometimes it won't. What's bad for consumers is to try to follow performance of a portfolio manager and, you know, say oh, they had a really good year, and I didn't like my current portfolio, I'm going to move over there, you know. And there's often really good reasons to move, don't get me wrong, but moving because you're chasing someone's really good year last year, is probably not the way to go. You know, so yeah, I think some of this comes back to that concept of the efficient market hypothesis. If we all have the same information, you know, I don't mind telling you, sometimes I've done my best by just buying a bunch of big blue chips with dividends and sitting on them for, like, 5, 6, 7 years. And then I go back, and I go, you know, Google, you want to have some fun, go out there and Google, 'if I bought Royal Bank 10 years ago and sat on it', you know. Now remember, you paid one fee to buy it, you probably have no ongoing fees, what your return would be... but the thing is, so here's one of the reasons I invite you guys to continue to follow Dimitre's podcast, because you get someone like me, an industry person who calls out the industry, for, you know, it's, I won't call it deception, but let's say some lack of clarity over value proposition. And there's a chapter in my book called Is The Financial Services Industry Trustworthy? And, you know, I generally argue that it's not trustworthy, but I have a very specific meaning when I say that, you'll have to read it to get it. But yeah, I would just be really super careful of a bunch of people who are just saying, I'm going to go buy some stocks for you, and I'm going to be better than the market. This is one of the reasons I focused on portfolio managers that have a secret sauce. Are they doing something that I can't do on my own, because if I can do it on my own, I might as well do it on my own. You know, and this is where I look for private securities or something else in there. I'm a fan of private securities myself, but I don't often get those from portfolio managers, I find that I can source them on my own. But I'm in the industry, I've been at this a long time, so I know that people. If you don't know that people, it might be hard. You got to know the people that know the people and you'll have the best opportunities. Dimitre Ranev So to summarize for an investor, the advantages of a portfolio manager is, first of all, there's fiduciary duty. Rod Burylo Correct. Dimitre Ranev Which is the thing that you really want. Secondly, you have access to different investment vehicles, which most people don't have access to. Thirdly, you save a lot of time, you don't have to worry about rebalancing your portfolio or buying or selling stocks, that's done by the manager. Fourthly, the fees are - and again, obviously, you have to look at different managers - but 1% fee, I'll tell you, it's very reasonable to me. And I'm saying this as a person who does DIY investing, but that's a very reasonable fee. And it's much better than the average of mutual funds in Canada, which is about, say about 2%, I believe. Rod Burylo Last I heard. Dimitre Ranev The disadvantage is that there is an entry fee. So there's a bit of a barrier, but I guess for professionals, like doctors, it's $50,000. So even, I would say 100,000 isn't necessarily a barrier. Might be a barrier for, unfortunately, some people who are not professionals. Is that a fair summary of what you said, Rod? Rod Burylo Yeah, I think you've captured that very, very well. Dimitre Ranev So my last question to you - and again, I have actually have a thousand questions, but we have to we have to wrap it up - is if somebody is interested in having a portfolio manager, is there a resource, for example, I know psychologists have a website where you can find a list of psychologists, is there a resource for portfolio managers or do you just have to do it by word of mouth? How does it usually work? Rod Burylo Yeah, you could look at a record of registration categories for people. So for example, in the past I've pulled out entire lists, say from a brokerage firm, like a stock brokerage firm, a list of all the dealing representatives there, and which ones have the portfolio manager registration or not. But doing that I don't think is the most useful of exercises, because just because you found a registrant like that, it doesn't mean that they're doing anything special or, you know, have a compelling offering. It'd be like finding a hamburger place. I found one, there's a million of them, is it a good hamburger place or not? So I would go back to, you know, word of mouth is a useful thing. One of the things that we try to do with physicians through Empowerment Office, is provide vetted portfolio managers, ones that we have identified and vetted, either they already have an attractive price or we've worked on the price a little bit, so that it's more attractive to our audience, to physicians, for example. But I would always go with a referral or word of mouth in that space. And, you know, asking your buddies, if they've got some - one of the challenges is that you could go ask your friend who's a physician if you've got a portfolio manager, and they might not know that that has a very technical meaning, they might just think it's managing their investments. But one of the things, let's say you had a short list of these types of people, you can look on regulatory websites to see if they have any complaints against them, any sanctions, that would be a useful thing. But that might just tell you that they haven't gotten themselves into trouble, that doesn't necessarily mean that they're excellent, that's a different thing, right? So I would go with word of mouth. And then there's one other thing that you might contemplate. There are certain associations in Canada where, let's say they have a designation of a particular kind, like a CFP designation, where they'll have lists of these advisors and will also say what registration category they have, like, possibly Portfolio Manager. And I like those kinds of resources, because that starts telling me a little bit more about the overall character quality of the person. And another thing you could do is, if you've got a topic that you're excited, I know, we're going to talk about ESG at some time in the future, but there are associations in Canada where they look, for example, a Responsible Investment Association in Canada, that tends to attract advisors that are interested in ESG topics within this overall realm of responsible investing, that will list off all the advisors in there. And then if they're portfolio managers or not. And so if you've got a topic that you're really interested in, and want to try to find a portfolio manager that specializes in that space, there might be lists out there to do that. I had a company in 2004, you referenced for the audience that I won an Advisor of the Year Award, that Advisor of the Year Award was for a business we created called Canadians Retiring Abroad. And so if you're interested in retiring abroad, you would find us. But it was because not necessarily that we were excellent - I thought we were good - but because we had made sure that that we could clearly communicate what our differentiator, what our special topic was. So if you wanted a special topic, call us, if that's not your topic, you know, go talk to somebody else. So sometimes there's associations out there. But, you know, if you've got friends out there that are really interested and they want to talk one on one, you know, the two of us together on how to select an investment advisor, we could do a whole discussion on that at one point, the things that I would look for. But it's not necessarily as easy as it sounds. Dimitre Ranev That was, I had one. I had a question about that, but I feel like that's a whole topic for podcasts. It's not a five minute question. Listen Rod, I really appreciate your time and your wisdom. And I'd love to have you back. There's so many more things I want to ask, but thank you again for coming and for talking about this. And hopefully we'll talk soon. And I have to get that book and give it a read. Rod Burylo And very good to talk to you and you provide an excellent, important service to your audience. I really mean that. So thanks a lot for having me on. Dimitre Ranev Thank you. Kevin Mailo Thank you so much for listening to the Physician Empowerment Podcast. If you're ready to take those next steps in transforming your practice, finances, or personal well being, then come and join us at physempowerment.ca - P H Y S empowerment.ca - to learn more about how we can help. If today's episode resonated with you, I'd really appreciate it if you would share our podcast with a colleague or friend and head over to Apple podcasts to give us a five star rating and review. If you've got feedback, questions, or suggestions for future episode topics, we'd love to hear from you. If you want to join us and be interviewed and share some of your story, we'd absolutely love that as well. Please send me an email at KMailo@physempowerment.ca. Thank you again for listening. Bye.
In this episode, Alex discusses a new study out of Sweden that finds that rainwater is also toxic to drink due to CFAS which have basically infiltrated everything from groundwater to the atmosphere. The study found that even Antarctica had excessive levels. Next, Alex discusses how the GOP has clearly given up on backing the blue. According to CNN, “an armed man suspected of trying to breach the FBI's Cincinnati field office Thursday was killed after an hours-long standoff with law enforcement.” The man's social media posts made it clear this was in retaliation to the FBI's investigation at Mar-a-Lago. This was inevitable after the right-wing media and GOP leaders called out the FBI and voiced dangerous conspiracies. Finally, Alex discusses how European officials are constantly concerned about the end of U.S. influence and what it would do to the EU and its security. The United States is leading the efforts to help Ukraine and is still an economic powerhouse, but due to internal chaos, many fear it has reached its pride before the fall. Alex also discusses how Sino experts believe that China has peaked and also could be starting to plateau. This is also troubling because history shows that peaking countries can lash out and be even more dangerous than declining powers. China and the United States both have fundamentally opposite views of how the world order should be governed. Could this cause some sort of conflict? Especially if both are no longer growing?
This week on Finding Your Bliss, we have a show devoted to preserving fertility, even in the face of cancer. Life Coach Judy Librach sits down with Oncofertility specialist Dr. Karen Glass from the CReATe Fertility Centre, and also with a very happy patient who was able to freeze her embryos before cancer treatment and is now pregnant with her first child! Jessica was diagnosed with breast cancer at 33-years old and was told she needed to have surgery and treatment to remove it. After surgery, she was sent to the CReATe Fertility Clinic in Toronto to have her eggs retrieved as the cancer treatment could have hurt her ovarian reserve. She went to see Dr. Karen Glass at the CReATe Fertility Centre, and they decided to freeze her embryos instead of her eggs. As she puts it,
The GMCF's CFA Awards ceremony on March 21st, recognized a number of individuals who were nominated for their charitable efforts. There were a number of Awardees as well. On this episode of Philanthropy Today, GMCF President and CEO, Vern Henricks, recaps the CFAs.theCFAs.com
Joan McIlvaine has spent decades as a volunteer in the Manhattan community. On this episode of Philanthropy Today, Joan talks about her experiences as a volunteer, and we'll also get her reaction to be nominated for "Distinguished Volunteer" Award at the CFAs.thecfas.com
Ron DeChant has immersed himself and his business at Heritage Builders into giving back to the community. On today's episode, Ron tells how his faith has inspired him to volunteer, and what it means to be nominated for the CFAs "Business Philanthropy" award.thecfas.comkansasbigs.com
What new topics will Jennifer reveal this season? And learn about a casting call for CFAs for a new unscripted show! Thank you for the download! Please give me 5 stars :) Check out my website to purchase my Catering Order Template, Resume Editing service & CFA Book: https://www.freespiritpodcasts.com Follow me @twoinchesofftheground on Instagram & on Clubhouse I'm “J India” If you like the metaphysical & spiritual, listen to my other podcast: https://twoinchesofftheground.podbean.com RESOURCE: @nicolelmarien on Instagram
As the wine investment business leader with $275M of assets under management, Cult Wines has been a pioneer in the space for over a decade. Born out of a passion for wine, Tom Gearing, CEO and founder of Cult Wines, tries to balance the head and heart elements of investing in wine with actively managed portfolios by CFAs and experiences with some of the top wineries of the world. Tom shares all the details and great examples of why people should consider investing in wine, the Cult Wine investment process, and where Cult Wines is heading. Detailed Show Notes: Tom's backgroundfounded Cult Wines w/ his brother in universityFather was an investment banker with a passion for wine, especially BurgundyTraveled a lot to Burgundy as a childStarted an import company - Burgundy CellarThe early 2000s - started Financial Wines - an online price transparency tool, but ran out of funding after the dot com crash2007-2008 - during Financial Crisis - people looking for alternative investments - Tom realized wine was a safe haven and should be more investableBased in the UKWhere the Wine trading is very well establishedThe UK has tax free status for wine trading for anyone in the world - can keep wine in a tax free warehouse where you don't pay taxes (sales tax, VAT) upfrontAsian collectors used London to build collections before shipping itBrexit impact - mostly operational (shipping is a lot slower) vs. tax,Why invest in wine?Those with a passion for wine - Build a fine wine collection, can drink it, or sell it in the futureThose not passionate about wine - wine prices are more consistent and tend to go up in value because the supply goes down over time (people drink it), tends to be insensitive to financial market fluctuations (went up in value in 2009) - suitable for diversificationVs. art/cars/other alternative investments, wine is more attractive:Accessibility - lower barriers to entry - hundreds or thousands of dollars for wine vs. millions for fine art/carsLiquidity - better than other alternative assetsPrice transparency - more trading publicly and more visibility (though, still not as good as it could be)Wine investment serves as a storage/aging function for the fine wine market with pristine provenance and authenticityCult Wines OverviewNot a retailer - acquires wines on behalf of clientsThree warehouses - London, Paris, BordeauxEU changed storage laws in 2016 to hold wines without paying VAT (similar to the UK)Have own warehouse and staff to ensure provenance and authenticity of wines (e.g., caught heat damage on a shipment of Scarecrow wine and made a claim with freight forwarder immediately)Has own photography studio and processes 250 cases/day, and photos are immediately uploaded for inspectionInvestment processHas a managed portfolio service (min $10k investment)Gather client objectives - risk profile, investment duration (3-5 years, 5-10 years, 10+ years), how wine fits into their entire portfolioBuild a personalized, customized portfolioStore wine in physical warehouses (clients own bottles or cases, the physical asset b/c it's hard to have liquidity for funds where people have fractional ownership of a fund)Get access to investment platformTop-down investment process - actively managed portfoliosCult Wines has a Chief Investment Officer (CIO), and all portfolio managers are Chartered Financial Analysts (CFA)Constantly reviewing the market and making asset allocation decisionsE.g., Trump Tariffs on European wine - team thought Bordeaux would go down in price, proposed reducing allocations from 40% -> 30% and re-allocate to Italy, which looked undervalued already and had no tariffs; in 6 months, AUM of Bordeaux went from 40%->36% and Italy 6%->13% and Bordeaux prices went down 2-3% and Italy up 12%Assets Under Management (AUM) - $275MUK/Europe is the biggestAsia nextAmericas (smallest, but newest)FeesAnnual management fee - starts at 2.95%/year (with $10k investment), 2.75% (with $35k investment), 2.5% ($150k investment), 2.25% ($500k investment)Benefits - portfolio allocation, customization of the portfolio, investment platform access, customer support, storage & insurance, trading on the platform (no feeds on trading to align Cult Wines interests with clients)Higher tiers get more experiential benefits - access to producers, client-only events, educational activities, vineyard visitsWine Buying35% direct from winery/new vintages65% secondary market - from existing investors, trusted suppliers/brokers, and trading platforms (e.g., Liv-Ex)Wine Selling / Delivery~20% of wines have been delivered to people, can ship to 45 states, clients pay delivery feesSome clients use Cult wines as a global cellar - e.g., a Japanese collector sent wines to the US when he was going to be there to visitWine sales channelsCult Wines buys for other clients - for wines they believe will appreciate moreTrade team - sells to other wine merchants, brokers, traders, importersRetail/Direct to Consumer - listed on Wine-Searcher and Cult Wines website for saleTeam - ~100 people totalInfrastructure based in UK (including ~24 tech and product folks)Regional offices - relationship managers, portfolio manager (all CFA level; Hong Kong, Singapore, 2 in London, New York)8 in North America (3 in Canada, 5 in New York)Company's Growth1st 5 years - establishing proof of concept2nd 5 years:2014 - acquired competitor, Premier Cru Fine Wine Investments, doubled AUM and business2016 - opened Hong Kong office2018 - opened Singapore office2014-2019 - $7 -> $50Mm in AUMNext 5-year phase (18 months in) - “reborn, evolution”Fine wine investment is limited by market inefficiencies: accessibility, liquidity, price transparencyFocused on projects that will improve inefficiencies and that will naturally make the wine investment space growTypes of wine for investmentOpportunistic trading - capturing inefficiencies in pricing - there may be opportunities to buy in one region and sell in another at a profitBenchmark wines - based on scores (with critics weighted differently by the impact), vintages, the value of an established baseline of wines (e.g., Bordeaux, Burgundy)Finding new opportunities - wines with high quality that have a good chance of increasing in value, e.g., Pierre Gonon St Joseph - was 30-40 euros 3-4 years ago, now $150/bottleAuction houses - don't work with them muchHard to get certainty of provenanceA lot more mature/older wines which have already gone up a lot in valueCosts are prohibitive (10-20% on a transaction)But the best place to get the highest/best prices (e.g., 1945 DRC from the Drouhin cellar got ~$500k / bottle)Next for Cult WinesLaunching new platform for managed investment serviceBespoke, public blockchain for security, authenticity, and speed of secure transactionsContinue to build North American offices (opened Spring 2021) in Canada and New York
Happy weekend! The BackCast Podcast is back with a new episode! This week; John & Glen sit down with Howard Johnson. Howard is responsible for the “Cedars for the Au Sable” program. For 25 years, Howard has made it his passion to line the banks of the Au Sable & Manistee rivers with white cedar saplings. “Key to the protection of the rivers as cold water fisheries is a special cedar seedling planting kit developed by Howard N. Johnson and Cedars for the Au Sable (CFAS). A restoration/reforestation project of the Au Sable River Property Owners Association (ARPOA) since 1997, CFAS and it's many volunteers have partnered with private river property owners, river conservation organizations and the Michigan DNR to plant over 20,000 northern white cedar seedlings in protective enclosures on the Au Sable and Manistee rivers.” Listen in to find out more ways that you can get involved. You can always check out Howard's web site https://cedarsfortheausable.org
How do you get word-of-mouth referrals as a CFA? What does it take for a coworker to feel comfortable recommending you to an account or company? And what qualities in a CFA cause me to refer other CFAs? Thank you for the download! Check out my website to purchase my CFA Book and other digital products and services, such as my famous Lists Bundle and other CFA Consult Services, at: freespiritpodcasts.com Ratings are vital in 2021! If you like this podcast, please give me 5 stars and tell a fellow aspiring CFA or CFA! And remember to listen to my other podcast: twoinchesofftheground.podbean.com/ RESOURCE: Reach: A Podcast for Executive Assistants
Paul Merriman, founder and president of The Merriman Financial Education Foundation, Chris Pedersen, director of research, and Daryl Bahls, director of analytics, discuss the 2021 Best-in-Class ETFs Paul starts the discussion with a short history of his commitment to providing mutual fund recommendations He makes it clear that they are not CFPs, CFAs or registered investment advisors, and he notes that selecting the “best" ETFs has its limitations and is not a science. Chris then discusses the steps he takes to identify the final choice in each equity asset class, and why he chose several new ETFs, including his expectation for additional return. Chris, Daryl and Paul answer related questions including: Should I immediately switch old positions into the new recommendations? Should I hold the old positions and start a new portfolio at M1 Finance? Having started an account for a one-year-old child with a small-cap value fund, should I buy more small-cap value or put the next investment into another asset class? Why are you suggesting ETFs with higher expenses? Why have you eliminated the more risky emerging markets ETFs? To see the Powerpoint slides, click here. To watch the video click here.
We Chat Divorce Podcast welcomes Jennifer Hurvitz! Jennifer is known for her no-nonsense approach to all things relationships and is proud to say she's made quite the career out of pretty disastrous circumstances...her own divorce. Jennifer is a Certified Divorce Specialist (CDS™), public speaker, best- selling author, and host of the Doing Divorce Right Podcast. Divorced since 2014, Jennifer lives in Charlotte with her two kick-ass teenage boys. Through her popular blog, The Truth Hurvitz, and weekly podcast, Jennifer helps people understand what a happy divorce can look like and how to dip their toes back into the dating world. She loves sharing her insight on how to stay in a successful marriage, too! Jen has also been featured on OprahMagazine.com, twice! And look out for her TEDx Talk in 2021! In this episode, Karen and Catherine chat with Jennifer about… Jennifer’s straightforward approach to Divorce Coaching, from establishing your divorce team, coparenting, dating, and setting goals! Dating After Divorce and Your Non-Negotiables List Lower Your Expectations and Just Have Fun! Financial Red Flags If you have questions for us or a topic you’d like us to cover, contact us at hello@mydivorcesolution.com or visit MyDivorceSolution.com The We Chat Divorce podcast (hereinafter referred to as the “WCD”) represents the opinions of Catherine Shanahan, Karen Chellew and their guests to the show. WCD should not be considered professional or legal advice. The content here is for informational purposes only. Views and opinions expressed on WCD are our own and do not represent that of our places of work. WCD should not be used in any legal capacity whatsoever. Listeners should contact their attorney to obtain advice with respect to any particular legal matter. No listener should act or refrain from acting on the basis of information on WCD without first seeking legal advice from counsel in the relevant jurisdiction. No guarantee is given regarding the accuracy of any statements or opinions made on WCD. Unless specifically stated otherwise, Catherine Shanahan and Karen Chellew does not endorse, approve, recommend, or certify any information, product, process, service, or organization presented or mentioned on WCD, and information from this podcast should not be referenced in any way to imply such approval or endorsement. The third party materials or content of any third party site referenced on WCD do not necessarily reflect the opinions, standards or policies of Catherine Shanahan or Karen Chellew. WCD, CATHERINE SHANAHAN AND KAREN CHELLEW EXPRESSLY DISCLAIM ANY AND ALL LIABILITY OR RESPONSIBILITY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES ARISING OUT OF ANY INDIVIDUAL'S USE OF, REFERENCE TO, RELIANCE ON, OR INABILITY TO USE, THIS PODCAST OR THE INFORMATION PRESENTED IN THIS PODCAST----more---- Karen Chellew: Hello. Today we are here with Jennifer Hurvitz. Jennifer is known for her no-nonsense approach to all things relationships and is proud to say she's made quite the career out of pretty disastrous circumstances, i.e. her own divorce. She's a certified divorce specialist, CDS, public speaker, bestselling author, and host of the Doing Divorce Right podcast. Jennifer's been divorced since 2014. She lives in Charlotte, North Carolina, with her two kick-ass teenage boys. Through her popular blog, The Truth Hurvitz, I like that, and weekly podcast. Jennifer helps people understand what a happy divorce can look like and how to dip their toes back into the dating world. She loves sharing her insight on how to stay in a successful marriage too. Jen's been featured on OprahMagazine.com twice and look out for her TED Talk in 2020, her TEDx talk in 2020. Welcome Jennifer. Jennifer Hurvitz: Hi guys. I'm so glad to be here finally. Yay. Catherine Shanahan: We love talking to you. You bring such a great, positive feel to the day. Jennifer Hurvitz: Thank you. Catherine Shanahan: We're so happy you're on here with us. Jennifer Hurvitz: I'm so glad to be here. I'm so sad because my TED Talk is being postponed to next year. You'll see me next year, hopefully. Catherine Shanahan: Well that will come quick enough. Jennifer Hurvitz: I know. Right? I know. After all this time, this whole COVID thing. Karen Chellew: Now we'll be on pins and needles for a year. Catherine Shanahan: Yeah, exactly. Jennifer Hurvitz: Aw. Yeah. You know what? Me too. It's so stressful. How are you? Catherine Shanahan: It's so nice having you here because you're an expert to help our clients or our listeners. It's so hard when you go through your divorce, you're so used to ... I was with my ex for 23 years, so you're so used to bouncing everything off of them. Even though I made a lot of decisions on my own, I'm pretty independent, you always made those decisions based on you and your spouse. Jennifer Hurvitz: Oh, yeah. Catherine Shanahan: Then at the end when you get divorced you're like, "Where do I turn to now?" because you feel alone. It's not necessarily you want to date right away, but who gives me advice and who can I get that second opinion from? How do you advise people to find that person? Jennifer Hurvitz: Oh my gosh. Well, you know the craziest thing is when you first get out of your marriage and then you look at this divorce, you have all these options and now you feel like ... You look around, you're like, "What do I do?" I was lucky. I was in a different position than most people. I always start out by saying this. I feel like I'm best friends with my wusband, I call him my wusband, and we're really good friends. I was in a happy divorce kind of immediately. Right? Catherine Shanahan: Wait. Can we back up one second? Jennifer Hurvitz: Oh, sure. Catherine Shanahan: Wusband? Jennifer Hurvitz: My wusband. I call him my wusband. I don't like to call him my ex-husband because I feel like that's ... We're just such good friends and I hate that. That's not typical. Catherine Shanahan: I like that. I never heard that. Jennifer Hurvitz: I think I should trademark that. Catherine Shanahan: You should. Jennifer Hurvitz: I should. Karen Chellew: I think you should too. Jennifer Hurvitz: I heard it on a podcast. God, it was one of my first podcasts like two years ago, and I was speaking to this host. He said something, that how his wife calls him her wusband, and I'm like, "Oh my God, can I steal that?" He's like, "Take it, take it." I'm like, "I'm taking it." It's not even mine originally- Karen Chellew: I love it. Jennifer Hurvitz: But I just trademark it. Catherine Shanahan: I love that. Go ahead. Jennifer Hurvitz: I call him my wusband, and we're such good friends that I hate to call him my ex, but that's not typical. Lots of tumultuous divorces, most are not amicable, most are high conflict. You get out of your marriage, and you're thrown into this sea of emotions. You're sad, and you're highs and lows and then you're like, "Who helps me? Where do I turn?" Then all of a sudden, I think more recently, there's coaches and there's therapists, and there's CFAs, and there's financial planners, and there's divorce solution people, right? You guys. Who do you use? Because you can't have everybody, because it's expensive. Right? Karen Chellew: Right. Jennifer Hurvitz: I was thinking about it. We were talking about this before the show and I was like, "Who would I use?" At the time, I was completely lost. I think I had stepped back and I didn't use anybody. I was like, "I'm going to do this by myself. I can handle this." Biggest mistake ever. I think when you girls were on my show, I was very clear and I said, "If I could pick one person, I would pick you all." Jennifer Hurvitz: I would go to My Divorce Solution, if I saw you online. I don't mean to toot your horn here, but I would, because I feel like ... I do, I send my clients to you because I feel like if you're going to spend your money...no pun, ironically, I would spend your money on how to use your money moving forward because I feel like, especially me, I was in a marriage for 13 years. My ex, my wusband, was a financial planner, he was in finance. I had no clue how to balance a checkbook for God's sake. I was a stay-at-home mom, my job were my kids. I would have loved to have someone like you all who helped me with making big financial decisions that were important in the future because my emotions were spinning out and I didn't have something like you now. Catherine Shanahan: Yeah. You really need a good financial grounding where you need to develop a good relationship with money whether you like it or not. Jennifer Hurvitz: Yeah, I didn't have- Catherine Shanahan: Whatever the scenario is because that is the basis for the rest of your life, basically. I do wish everybody would come to, well, obviously us. But a financial person that has no stake in the game, which would be the best case scenario. Jennifer Hurvitz: Exactly, because I didn't. I didn't have anything, so was making big decisions like my house. What was I going to do with selling the house? Then also, budgeting because I didn't have a budget. My wusband and I, he did the checks and bills. Then all of a sudden, my lifestyle changed so drastically. Right? But instead of doing that, I was like, "I'm going to start dating. I'm going to get out there. I can handle this. I can do this," and I wasn't ready. At least, I feel like if you're not going to use your money wisely, then get a financial planner, or a CFA, a coach, a divorce coach, a therapist. Someone who says, "Slow down. Slow down and really focus on yourself before you even start dating," because that was a huge mistake I made as well. Catherine Shanahan: Yeah. Well, second time marriages has the highest divorce rate. Jennifer Hurvitz: Oh yeah. I think it's 73. Catherine Shanahan: It's because of exactly that reason. Jennifer Hurvitz: Right. 73% because you're like, "What am I going to do?" Yeah, you don't even know who you are as a person and you start dating, and then your finances get involved there too. Karen Chellew: Oh my God, yes they do. Having that financial foundation really just becomes the anchor point for everything you're going to do beyond that- Jennifer Hurvitz: Absolutely. Karen Chellew: ... Every single thing. Whether you're hiring a therapist or a coach, or you're looking to date someone else, or you're planning for your kids, or you're planning for your new home. It definitely becomes the reference point. So many couples come in and say, "Oh, we have it all figured out. We just need to clean this up." That's about 1% actually, because there's so many details that they just don't know what they don't know. Then if you get farther down that road, like you said, of dating and continuing your life without pausing, yeah it's- Catherine Shanahan: Well ladies, let's be clear about this. There a lot of men, men get the bad rap although it's true, that go ... I mean, I'm sorry, men get the rap they're going after women and the women are going after them for their money. Well it goes the other way around too. Jennifer Hurvitz: Sure. Catherine Shanahan: There are a lot of men that are coming after women with money- Jennifer Hurvitz: Well, that's what happened to me. I'm telling you, I remember, I thought I was ready to date and I thought I had it all together. I started dating, and I remember dating this guy and he was like, I think it was, "You need to sell your car because my kid's hockey equipment won't fit in the car you have." I was like, "Oh, okay. Okay. That's a great idea." I clearly was not in the right head space if I'm listening to the guy that I thought was going to be my next ... Meanwhile, I had 13 boyfriends after that. Catherine Shanahan: I wish I would have known you then. I would have been like, "What? No." Jennifer Hurvitz: If I would have had it... right? If I would have had a financial planner or a CFA working with me, they would have stopped me and said, "Whoa. Pull on those reins. That ain't happening, girl." If I would have had a me, a divorce coach at the time, I would have known and I would have said to my client, "Girl, no. That is not happening." Catherine Shanahan: When does the divorce coach come in?- Jennifer Hurvitz: Great gosh. Catherine Shanahan: ... What's the difference between them, your divorce coach and your therapist? Jennifer Hurvitz: Oh gosh, please listen very carefully because this is one of my biggest pet peeves and I really feel... I hope I'm not offending anybody right now. A divorce coach is so different than a therapist, and divorce coaches are going to be... Hopefully they're not mad at me, but I have turned away so many clients and said, "Please, you need a therapist." Not to hurt anyone's feelings but, "I am not your person right now." I do a 30 minute free consult call and specifically for this reason a therapist is someone who's going to help you emotionally. Clearly right out of your marriage, when emotions are high, you need a therapist. You need someone who can clinically help you get through the emotional part of your sadness. Jennifer Hurvitz: This is not... A coach, I'm not that. I don't have a degree in psychology, I'm not a social worker. I'm a coach, I'm a cheerleader. I'm your girl who's going to say, "Look, here's what you need." I'm going to help you plan for finding your estate planner, I'm going to help you get your CFA, I'm going to help you get your ducks in a row. When you come to me and say, "I'm ready to date." I'm going to help you write your online dating profile. That's who I am. I am not going to be able to talk you down off a ledge or from stopping to eat that ice cream in the middle of the night. That's not my job. Do you know what I'm saying? Catherine Shanahan: Yes. Jennifer Hurvitz: And I'm not going to take your money. I think if a divorce coach... I'm trying not to... If a divorce coach takes your money right out of the gate, that's not okay. Catherine Shanahan: So you need a therapist to clear your path to the coach. Jennifer Hurvitz: Yes, yes. Catherine Shanahan: Because they're going to help them get through the tech... Not the tech. Jennifer Hurvitz: Basically. Catherine Shanahan: What was I saying? Not technical. Clinical. Jennifer Hurvitz: Clinical. Catherine Shanahan: Clinical part of it. Jennifer Hurvitz: Right. Catherine Shanahan: And they're going to help you deal with your emotions or whatever happened in your past, or... Jennifer Hurvitz: Yes. Catherine Shanahan: Do that type of work with you. And that's a lot of work. Jennifer Hurvitz: Oh yeah it is. Like really doing the deep soul searching that you need. Of course, I'm not... And people to prescribe medication if you need it. A psychiatrist, that's not who... So that's why I do that 30 minute consult call. If I feel like you need, if I'm not your girl, I'm going to obviously send you to someone who can... I have great therapists that I know. And you have to be honest with yourself. I needed a therapist, I did not need a divorce coach. Right? Karen Chellew: So is that like a life manager, similar to a project manager? Whatever you need to accomplish you'd help them develop the steps. Jennifer Hurvitz: Yes, with your goals, goal settings. Yes. Karen Chellew: Okay. Jennifer Hurvitz: Yeah, like goal setting. Like here's what we're going to do today. I do a list of questions, we work on from one to 10 where do you think your... That kind of thing. Karen Chellew: Yeah, so you help them be independent as they move along. Jennifer Hurvitz: Yeah. Karen Chellew: Without having to rely on their situational circumstances and so forth. Jennifer Hurvitz: Right, like I help with co-parenting, that kind of thing. I hope I'm not offending anybody that's a dating coach or a divorce coach. I don't mean to minimize what we do. I love it, I love my job, I love working with people and I'm super positive too. So I feel like if someone's feeling down I can cheer them along, I'm like a cheerleader. But I'm definitely not a therapist. Karen Chellew: Well I don't think that you're... I mean, if you're hurting anyone's feelings that's unfortunate because what you're doing is you're really just laying it out there, the difference. That's a common question because of course when we handle the financial picture, and when we do their portrait, there's a lot of unknowns that become very known when it comes to their finances. And after that they need help dealing with their life afterwards- Jennifer Hurvitz: Yeah, totally. Karen Chellew: So people need to know who do you go to first and then who do you go to next. Jennifer Hurvitz: Right and it's expensive too. Karen Chellew: It is expensive. Jennifer Hurvitz: Yeah. Karen Chellew: And you have to budget in what's going to work for you and you have to get the most out of it. Jennifer Hurvitz: Absolutely, you're not going to spend $175 an hour with a therapist and then another blah blah blah with me, and then another blah blah blah. I mean, can you imagine? That's [inaudible 00:13:09]. Karen Chellew: Well that's kind of like going to the dentist and they say you need all this work, and their goal is to have white perfect teeth. Well if you had the budget to support that, everybody would do that. But to your point, most people do not so you break it down into pieces. Jennifer Hurvitz: Little bits. Catherine Shanahan: So I know that you're an expert with dating after divorce. Jennifer Hurvitz: Ah, I love it. That's my favorite, everyone should come to me. Catherine Shanahan: And I know that a lot of people get very anxious and they want to start dating, and they're ready to go and work. There are a lot of people that are just dependent on the relationships, they feel like that's what makes them happy and maybe it is, I don't know. I've never been that person but maybe that's what's true. How do you help them know if they're ready? Jennifer Hurvitz: Oh my gosh, first of all I'm very strict. I'm super strict with my clients. Some of them appreciate it and some of them don't, and I'm very up front. I don't let them settle, which I think they like that because I know that especially after you're going through a divorce and you're feeling like you're ready, you're super ready. You want to get out there and you want to get on those apps. It's a totally different ballgame. I start by making a list of non-negotiables, I call them non-negotiables. We sit down and I send them all the stuff and I'm like, "Look, take the time to really make this list of things that you will not settle for." Now I'm not talking about blonde hair, blue eyes and blah blah blah, what they look like. I'm talking about the deep soul-searching stuff. Jennifer Hurvitz: Sometimes they'll get back to me in like 15 minutes. They're like, "But this is..." I'm like, "No, no, no, no. You didn't do the work. I'm talking about like..." And I hold them to this list. If they say they'll only date someone that lives within a five mile radius, to give you an example. So I'm like, "Okay now I'm telling you, when you come back to me and you find someone on Match and he lives an hour away, I'm going to hold you to this five mile radius." Right? I have a client who calls me up and she's like, "No, no, no, I found this guy and he lives an hour away and I know it's..." And I'm like, "Uh-uh, no, no, no." Right? Jennifer Hurvitz: And they're mad at me, they're screaming, "No, no, I'm going to try it." I'm like, "Go ahead, try it." Because if you start with something that you know already you don't want in a relationship, you don't want to date long distance for example, and you already put yourself in that position that it's not going to... Do you see what I'm saying? Catherine Shanahan: Yeah, you're setting yourself up to fail. Jennifer Hurvitz: You're setting this up for failure, you're setting yourself up for failure. I'm not going to let you do that. Right? So I'm going to hold you to it. Catherine Shanahan: Well can you tell that client to come back to us and we'll see if they can afford to move? Jennifer Hurvitz: Exactly. That's my point. But you know those kind of things like a non-smoker, or even if it's a religion or whatever. Karen Chellew: No kids. Jennifer Hurvitz: No kids, exactly. I have clients who say to me, "No, no, no, I will not date a guy with kids." Then they find someone on Match that's really gorgeous or whatever, blah blah blah. "He has a three year old, it's fine." And I'm like, "Girl, girl. No, it is not fine honey." And they tell me, "Well it didn't work and it's because..." I'm like, "It didn't work because it was never going to work." Catherine Shanahan: Right, right, good. Yeah, I like that. Jennifer Hurvitz: That's how I... You can't fit a square peg in a round hole. You can beat it all you want, it is not going to work. Catherine Shanahan: Exactly. Jennifer Hurvitz: My next book, I just signed for my third book, it is about dating and I'm so excited. I'm so excited. Jennifer Hurvitz: [crosstalk 00:16:50]. Catherine Shanahan: I experienced the Match.com when I first got divorced. It always amazed me the people that would show up. One guy showed up and I was with a girlfriend of mine. She came with me, she sat at a different table. He literally said that he put his brother's photo on his Match. It wasn't even him. Looked nothing like it. We're like, "Are you kidding?" He's said, "Yeah, I used my brother's photo." Jennifer Hurvitz: I can't even, I just can't. So my whole thing with- Karen Chellew: What about dating someone who is not divorced, even though they're separated? I'm sure you've run into that a lot. Jennifer Hurvitz: Okay, I have very strong feelings about that, very strong. So this is the problem. In North Carolina you have to be separated for a year before you can actually file. Karen Chellew: South Carolina too. Jennifer Hurvitz: Okay, right. So we do a lot of that here. We do a lot of dating while you're separated. So it's a fine line. In North Carolina we're okay with that because you're separated and everyone dates. But in some circumstances we have something called alienation of affection. So technically in North Carolina you can sue, you can follow this really quick, you can actually sue the person that your spouse cheats on you with. Does that make sense? For a large sum of money, $85,000. Catherine Shanahan: Wow. Jennifer Hurvitz: Yes, you have to be real careful of... You have to sign stuff that says you can actually date during your separation period. Karen Chellew: Yeah, the couple signs... makes that agreement? Jennifer Hurvitz: Yes, yes. So like if someone comes to me and says, "I'm fine with dating people who are separated," I'm like, "Okay, I'm glad you're fine with it but how bout your spouse?" Karen Chellew: Well in South Carolina, that's a state that if you date during that year of separation it's considered cheating. Jennifer Hurvitz: Right. Karen Chellew: So you would lose your own alimony if you were an alimony candidate. So every state's different. Jennifer Hurvitz: Yes. You got to be real careful. Karen Chellew: Just avoid it in every state and we don't have to worry about this. Jennifer Hurvitz: Exactly, exactly. Let's just wait. And that's the thing, a year's a long time to not date when you... That's the whole point. So it is one of those things. For me- Catherine Shanahan: Plus you're working on getting healthy and independent. Jennifer Hurvitz: Yeah, yeah. What's wrong with that? Let's do that. Catherine Shanahan: Get your affairs in order. Jennifer Hurvitz: Yes. Karen Chellew: I guess the question would be is that person you're dating emotionally available to you if they're just separated. Jennifer Hurvitz: Yeah, that's the thing. And also I have a really big belief that the first relationship out of the gate for either party is really never going to... People are like, "She's crazy." It's never going to work, that relationship is never going to happen. Everyone's like, "You're wrong, I'm fine, he loves me." I'm like, "Okay, I'll see you in three months." Karen Chellew: I've said that too, I've said that to clients of ours. Jennifer Hurvitz: I believe it. And 99% of the time I hear back from that person and they're like, "You were right. Why didn't you tell me?" I'm like, "I did. I did." I never want to say, "I told you so," but I did. Yeah, I just never- Karen Chellew: What about just going out with the opposite sex or the same sex just for companionship and putting it out there, "I'm not into a relationship but I'm definitely creating new relationships, maybe not a forever"- Jennifer Hurvitz: Well here's how my whole stance right now, since I've started actually doing dating coaching, my whole stance has changed. I really believe that dating... I tell my clients to, "Lower your dating expectations." If everyone thought about dating like you just said, if we all thought about going on dates as meets, instead of saying, "I'm going on a date with..." or, "I have a date from Match." "I have a meet." Jennifer Hurvitz: I tell my clients, "Look, no more dates. They're going to be 15 to 20 minutes and you're not going to care about what you're wearing. We're not going to worry about getting our hair done for five hours, or how much makeup we're wearing, or where we're going for dinner. We're going to go to Starbucks or we're going to go for drinks for 15 minutes, or meet at the park for ice cream. I don't care if you're wearing a baseball hat, I couldn't care less if you're wearing stretch pants. You're going to go on a meet and it's going to be 15 minutes long. That's it, no expectations, go for a meet and have fun, and smile, and be fun and just have a good time, and no more negative Nelly, because no one wants that. And then, guess what? If you don't like the guy, what have you lost? Zero. You've lost 15 minutes of your time and a baseball hat. Right? Who cares?" Karen Chellew: Exactly. Jennifer Hurvitz: Right? So if you lower your expectations and if you don't make it such a big damn deal, if he catfishes you who cares, it was 15 minutes of your time. All this texting for three weeks before a date, for God's sakes. My clients don't do that, I say no. If you- Catherine Shanahan: I love that. A friend of mine would say, "You can't respond yet. You have to wait so many hours or you can't do this. Don't call back yet because they'll think you're too anxious." Jennifer Hurvitz: None of that. I'm going to tell you this. No games, no games with me. No games, nope. I don't believe in any of that. Karen Chellew: So you say no texting at all. Jennifer Hurvitz: I say, "You know what? If you meet someone and you start talking, and you have a connection, and you like each other, you make a date for that week. If you've texted longer than a week, no. There's no reason, there's something wrong. If he's texting you for weeks on end and you're FaceTimimg or whatever and he wants... There's a reason. He's talking to multiple women and that's not your person." Karen Chellew: Right. Jennifer Hurvitz: So a week, you make the date, you go meet, you have coffee, and guess what? If he's not your person, maybe he has a friend that is. Catherine Shanahan: That's what I like, you never know. It's networking. Jennifer Hurvitz: You never know. It's networking. Catherine Shanahan: It's networking dating. Jennifer Hurvitz: There you go. And that's the thing, it's just about lowering the expectations and having a good time, and that's it. Karen Chellew: Absolutely. Catherine Shanahan: Well it takes the pressure off of yourself. Jennifer Hurvitz: Oh my gosh! Totally, totally. Catherine Shanahan: Right? Yeah and what about when do you involve your children, what is your opinion on that? Jennifer Hurvitz: You don't want to know. Believe me. My clients are like, "what are you talking about?" As far as I'm concerned, my boyfriend and I have been together three and a half, almost four years and our kids have never met. Karen Chellew: Still? Jennifer Hurvitz: Uh-huh. So I don't believe in blending families. Did you know that? Catherine Shanahan: Yeah. Karen Chellew: No I didn't know that. Jennifer Hurvitz: Yeah. So my kids have met my boyfriend, Jim, they love him. I've met his kids. Our kids know about each other but there's no reason. Unless there's a ring on your finger and you're getting married, why? Catherine Shanahan: What if you never get married and you stay like that forever? Jennifer Hurvitz: That's fine. You know what, here's the thing. I just feel especially...and its different if they little. If they're two and five and seven and six, but until you literally know that this is your person. Your kids have been through a divorce, the chances of you staying with this person. I mean, really? What are the chances of you staying with this person? Are you going to marry them? If you know you're going to marry this person, there's a ring on your finger, then they can meet your kids. Like really or they can meet each other. Karen Chellew: You mean the kids meeting the kids? Jennifer Hurvitz: Sure. Jennifer Hurvitz: [crosstalk 00:24:04] Jennifer Hurvitz: I say, I personally I don't think your kids need to meet the person you are dating until at least eight months to a year. Catherine Shanahan: Yeah. Karen Chellew: It's another loss for them to go through. Jennifer Hurvitz: Absolutely. Karen Chellew: I see that. Jennifer Hurvitz: It's another loss. It's another, "what's the point?" It's stress on them. I don't say you have to hide them. I mean I think maybe six months to eight months you can say, "you're dating, you met this"... whatever. But I don't think there's any reason, I mean unless you know this is a person that you really see yourself being with, I can tell you both my books I talk about it. Circumstances that my kids have met people in my life and I wish they'd never met them. I wish [crosstalk 00:24:42]... what a waste of time, energy, my boys will tell you, they're like, "why? Why did I have to meet this person? He was a complete loser". I mean- Karen Chellew: What about telling your children that you're going to start dating again? Jennifer Hurvitz: Oh. Karen Chellew: Or just not again but dating. Jennifer Hurvitz: Yeah. You know what I think it depends... it all depends on the age of the kid. And your relationship too- Karen Chellew: And your child because [crosstalk 00:25:09] Jennifer Hurvitz: Yes, yes. In my opinion, I think your children want you happy. Don't you think? Catherine Shanahan: I agree. Karen Chellew: Absolutely. Jennifer Hurvitz: Your children want you happy and I think at the end of the day, if mom's happy, kids are happy. I also think, and this is just in my opinion, when you start dating... as long as you're happy dating and you can keep that anxiety down. Your kids pick up on your anxiety, so the minute you're unhappy dating, then they know you are. Does that make sense? Karen Chellew: Mm-hmm (affirmative) Catherine Shanahan: Yeah Karen Chellew: Yeah Jennifer Hurvitz: It's just one of those things, if you can keep it away from your kids and not involve them. They don't want to hear about it. They don't want to hear about this guy you went out with. Trust me. Even when people are like, "well I tell my daughter everything, she knows about the guys I go out with..." she doesn't want to hear about it, she doesn't. Not once. You think she does? She doesn't. Now granted, my kids really like my boyfriend and my wusband really likes my boyfriend but it's been four years. On the other hand, his ex-wife... does not. I've never seen her. Catherine Shanahan: Right. Jennifer Hurvitz: I've never seen his ex-wife. We have met once, she wants nothing to do with me. His kids don't really... it depends on the relationship, right? Karen Chellew: Right. Catherine Shanahan: I'm guessing she doesn't call him wusband. Jennifer Hurvitz: No she does not. Karen Chellew: That's hilarious. Jennifer Hurvitz: She doesn't call him. It just depends on... right? Catherine Shanahan: It's the dynamic of the situation, it's very difficult. Like I said, each child is different. I remember asking my son if he was ready for me to date. And I remember asking him once, just don't date anyone like dad's dating, someone that they didn't like. And I was thinking, I would never date someone that my kids didn't like. That wouldn't be good to my kids because my kids are my priority. But then I remember asking them, "how much do you want me to tell you?" My daughter was at FSU, so she was fine. He was home but I was like, "how much do you want me to tell you?" Jennifer Hurvitz: And what did he say? Catherine Shanahan: "No, not much." But my daughter, she wanted to know more. So it will just depend on, everyone's different. You have to respect that. Jennifer Hurvitz: And they want you happy, right? Karen Chellew: Mm-hmm (affirmative) Catherine Shanahan: Exactly. Jennifer Hurvitz: I think they want to hear the happy stuff but like my Zack will tell you, "I do not, mom, this is not my... don't tell me." And I'm like, "but I have no one to talk to" and he's like, "not me mom, it's not going to be me." But then again my boyfriend and Zack will text about shoes, so it's cute. Like you know, I'm happy they're happy. Catherine Shanahan: Yeah it is. That's good, that's really good. Yeah. So I took I the next step, I got remarried. So- Jennifer Hurvitz: Oh, I love it. Catherine Shanahan: I got remarried a year and a half ago. Jennifer Hurvitz: Did you? Catherine Shanahan: My kids love him, so yeah. Jennifer Hurvitz: I'm so happy. Yay. Catherine Shanahan: It is exciting but it is a difficult task when you're going through it. And women who are going through the divorce, especially we deal with a lot of women, [inaudible 00:28:02] women. So they're financially fine, they're going to be okay. Especially when they go through our process they really get the full detail of what their financial situation looks like. And they've made this decision, we can always make a suggestion but they make the decisions, right? So they feel really empowered, believe it or not, at the end of the process, financially. They've created a better story for themselves, financially speaking. Catherine Shanahan: So now though they just have a hard time going to that next step because they're lonely. They've been in lonely marriages, they don't have anything bad to say about their spouses but it's been pretty loveless and they're ready to move on. They don't have to worry about finances. But I always get so worried that they going to make these quick decisions without a coach helping them to say, "no..." I love how you have the questions. Jennifer Hurvitz: Yeah. Catherine Shanahan: We're going to stick to these and I'm sure there's compromise in there. Jennifer Hurvitz: Of course. Jennifer Hurvitz: [crosstalk 00:28:58] Catherine Shanahan: And how about helping them fill out their profile and all of that, do you work with them with that? Jennifer Hurvitz: I love it. I usually write them. Karen Chellew: Aw that's great. Jennifer Hurvitz: I love it Catherine Shanahan: That's really good. Jennifer Hurvitz: Being a writer, it's so fun for me. To live vicariously through someone, I love it. And it's funny because my boyfriend is an amazing writer too and his profile, it was incredible. So when I have male clients, I- Catherine Shanahan: Is that how you met? Jennifer Hurvitz: We did. We met on Match. Catherine Shanahan: Oh that's awesome. Jennifer Hurvitz: And actually his profile I'm putting in my next book. It was the funniest... it was the best, I don't think I looked at his pictures. His profile was so good, he's just a funny guy. But yeah- Catherine Shanahan: That's awesome. Jennifer Hurvitz: Yeah. It's just so hard, this whole dating after divorce. The whole... just everything- Karen Chellew: It's a lot. Jennifer Hurvitz: To navigate it's really tough. Catherine Shanahan: Yeah. Jennifer Hurvitz: And married people don't get it, they don't get it. Catherine Shanahan: That's true- Catherine Shanahan: [crosstalk 00:29:54] Karen Chellew: I'm sorry... Jennifer Hurvitz: No go ahead. Catherine Shanahan: Karen, what were you saying? Karen Chellew: Oh I was just going to say, I've been remarried for 20 years. My kids were really small 11 and seven, when I decided to get remarried- Jennifer Hurvitz: And how did it go? Karen Chellew: I'd been divorced for three years, maybe four years. But in any event, we did a practice. We said, "all right, we'll move in for three months. All three of us have to like it or we're moving back out and I'm not getting married." So we moved in for three months, everybody had a unanimous, "okay" and then we got married. Jennifer Hurvitz: I love that. Did he have kids too? Karen Chellew: No. Jennifer Hurvitz: Oh that's [inaudible 00:30:28]. Karen Chellew: We all had to agree. Jennifer Hurvitz: That's the best. Jennifer Hurvitz: [crosstalk 00:30:31] Jennifer Hurvitz: I love that, that's my favorite blending story. If I could find... I tell my clients, "just find a guy without kids, you'll be fine." Karen Chellew: Yeah. Catherine Shanahan: Yeah. Karen Chellew: Because there could be a lot of complications, even though they think they may love him and adore him. Being under the same roof and in that home, we all has to share the same bathroom... Jennifer Hurvitz: Oh my God. Karen Chellew: So my daughter had to go every other second, so ... Jennifer Hurvitz: It's just hard, isn't it? It's so hard. The whole thing is just... Karen Chellew: Yeah it's a lot. Jennifer Hurvitz: It's hard. Catherine Shanahan: Yeah. How long do you think it takes somebody to move... transition through? Jennifer Hurvitz: Oh my gosh. Through the whole- Catherine Shanahan: Be ready for a relationship? Jennifer Hurvitz: I think...you mean before they start dating? Catherine Shanahan: Or even get serious with someone. Jennifer Hurvitz: I think, you know what? I don't know. I think everyone is so different and everyone yells at me all the time. I wish ... I tell my coaching clients before they start dating, to give themselves a year. But no one listens to me and I don't listen to my... people told me a year and I was like, "oh you're crazy, I'm not waiting a year." I wish I would of waited a year. I was so ... oh my gosh. I kicked myself, I was so emotionally not ready. I made the biggest mistake ever, I dated the worst guy on the planet. He was awful, my kids were put through torture. My wusband looks at me now and he's like, "do you believe you did that?" And I was like, "what about you and that girl you dated?" And he's like, "I know, do you believe we did that? Like she was just as awful." We both were like, "what were we thinking." It's just woulda, coulda, shoulda. We wish but you can't take it back, you grow through what you go through? Or is it you go through what you grow through? Catherine Shanahan: Oh I like that. Karen Chellew: I like that. Jennifer Hurvitz: You know you have to learn from your mistakes. Catherine Shanahan: Right. Jennifer Hurvitz: And I wish some of my clients would listen. But they listen to me when I say, go to you guys. So that's good. Karen Chellew: And you know what, we've come across a lot of situations where, when they start dating they actually being preyed upon for financial reasons- Jennifer Hurvitz: That was me. Karen Chellew: Like they want to be... they need a loan or they need money- Jennifer Hurvitz: Yeah. The vultures, the vultures. Karen Chellew: And it's all a setup and it's fake people, usually the military. Jennifer Hurvitz: Always military, yes. Usually military. And especially on, OkCupid. Jennifer Hurvitz: [crosstalk 00:32:42] Jennifer Hurvitz: I tell my clients to stay off of... I'm sorry but OkCupid is- Karen Chellew: And Facebook Jennifer Hurvitz: Oh and Facebook dating? Karen Chellew: Facebook is huge. Jennifer Hurvitz: On the Facebook dating app? Because there is a Facebook dating- Karen Chellew: No not the Facebook dating app, just Facebook. Jennifer Hurvitz: Okay. You know where I find, is really... this is so crazy, LinkedIn is a huge dating pool now. Karen Chellew: Wow. Catherine Shanahan: I know I get all these requests and I don't [inaudible 00:33:05]- Karen Chellew: I don't think they're real people. Jennifer Hurvitz: I don't either but that's funny. I can tell you guys stories, I mean it's just crazy, in my next book... the guys that I went out with. And the worst part is they Googled my ex, they Googled my wusband. Catherine Shanahan: Oh my gosh. Jennifer Hurvitz: It's disgusting. I had a guy once that took the bill at the end of the night and slid it across the table and tapped on it and said, "you got this." And I was like, "excuse me?" He was like, "I Googled your ex." Catherine Shanahan: Oh my gosh! Jennifer Hurvitz: And I was like, "you know what?" I remember I used to go to the same... Dean & DeLuca because the bartender there would take care of me, he would protect me. And he knew and he looked at me and he goes, "no." He took it and he's like, "I got this, you need to leave." Karen Chellew: Wow. Catherine Shanahan: Wow. Yeah. Karen Chellew: Guardian angels. Jennifer Hurvitz: Yeah. It's awful, what we [crosstalk 00:33:53]. Karen Chellew: There's a lot of it out there. Jennifer Hurvitz: This person assumed that because my ex worked at X, Y and Z that I had all this... that my alimony must be whatever... he knew nothing but he just assumed. It's disgusting, it's disgusting! Karen Chellew: Yeah. It is disgusting and a lot of people fall prey to that. Jennifer Hurvitz: It's awful. Yep. Karen Chellew: Yeah Catherine Shanahan: Yeah. Jennifer Hurvitz: So luckily- [crosstalk 00:34:14] Karen Chellew: So if they asking you for money or they sending you off money or if they ever ask you about your financials, think about it as a red flag, ladies. Jennifer Hurvitz: Yes, huge red flag. Huge. Karen Chellew: A lot of times I'll say another red flag is, have you met them? And so many times, it's "no they don't live close, they're in the military. They only coming home in six months." And by then they've already asked for money. They've sent the [inaudible 00:34:39] to supportive emails and so forth. Yeah, it's awful. Catherine Shanahan: Well I think that's a really good point, when you feel like you're... if you're listening right now and you feel like you're in a position where you couldn't afford to get some help. And you just turned to the internet and you meant somebody, who is not really there for you. You haven't met, if you're hearing any of these red flags. It might be the time to really re-budget yourself and get a coach, like Jennifer who can be your Devil's advocate at times. We all need that, right? Catherine Shanahan: Get your life in order and find where the void is because sometimes it might not just be another person. Maybe you just need to do something different with yourself. Even as simple as getting a new hairstyle, I always say. Maybe start with these little things but have someone like... this is where you would be great for someone, who's just feeling like there's nowhere to turn. And it just needs somebody to work as a girlfriend but who is an advisor- Jennifer Hurvitz: That's what I tell my- [crosstalk 00:35:41] Jennifer Hurvitz: I'm like a thinking partner- Catherine Shanahan: And don't be ashamed of yourself if you've made these mistakes already. Jennifer Hurvitz: Oh yeah. No, no. Catherine Shanahan: Because so many people... I mean we're all sitting here talking about things that we've done, right? And there are a lot of people feel like they're in it, the rabbit hole and they're not going to get out. You can still get out. Jennifer Hurvitz: I had a guy on OkCupid, that I talked to and talked to. And we went offline and I gave him my phone number. This will make everyone feel better... and he texted me and then a couple minutes later, he went dark. Like done and I had his name and I Googled him. He used a dead person's profile. Karen Chellew: Oh geez. Jennifer Hurvitz: [inaudible 00:36:17] Catherine Shanahan: Yeah, that's sick. Jennifer Hurvitz: And he had already gone in into my bank. He used my name, my address. He must have seen something on... like a picture with my address on it. He spoke like... I don't, you don't even know how. Oh my gosh, I had the FBI, I had OkCupid. It was just absolute ... people [inaudible 00:36:35]. Catherine Shanahan: Yeah. Jennifer Hurvitz: So don't feel bad, never feel bad. Karen Chellew: You have to be so careful. Catherine Shanahan: Yeah. Right. Jennifer Hurvitz: So it happens to the best of us. It can happen to anyone. Catherine Shanahan: Hind sight is always the best sight, right? Jennifer Hurvitz: That's right. That's right, yeah. Karen Chellew: Oh Jennifer, I'm sure you're just so valuable to so many people. Jennifer Hurvitz: Oh thank you, thank you. I love helping, so I love what I do. It's fine, let your girlfriends know. Karen Chellew: It's needed. It's so needed and it's nice to go to someone who is authentic, who stands behind her mistakes. Who's willing to share those and be vulnerable about it. Because again, we always learn from people who have gone through it. I think the best... I'm a learner like that. So I think it's great that you're out there for them, so happy. Jennifer Hurvitz: Thank you, thank you. Jennifer Hurvitz: Thanks for having me guys. Karen Chellew: You said you have a... how do your consults work? Jennifer Hurvitz: I have a 30 minute free consult. Anyone can find me on my website, you just send me a little email through my website, jenniferhurvitz.com. And you setup a 30 minute consult and I can pretty much in 15 minutes tell you... you're either hanging out with me or I'll send you somewhere like, to you. I send a lot of people... I say you need someone bigger than me or you need a therapist or I'm probably not the right thing or when you're ready to date, come back. Yeah I end up sending a lot of people and- Catherine Shanahan: Thank you for not being a vulture. Jennifer Hurvitz: Aw, no I don't. And sometimes people reach out to me. I get a lot of married people because they're stuck in their marriages and they're not sure if they should stay or they should go. Because that was my second book, "a divorce coaches guide to staying married." So people oscillate and they don't know if they should take that leap and I kind of... that's kind of my jam too. So- Catherine Shanahan: We get that too because they're afraid to see what their financial lives looks like afterwards or they need to know that. Or they just don't know what their life looks like now. They know they've been living a good life because their materialistic things are being met. But they're not really sure, so a lot of times we get a lot of people that come to us to get their portrait done and then they decide. Jennifer Hurvitz: Oh that's a great idea. Oh I should send them... because I never know. That's a huge part of it, I know that a lot of- Karen Chellew: Its very clarifying. Jennifer Hurvitz: They're so scared and most people, I say to them, "well what are the top three reasons why you want to stay." And they say, "my children, my financial and I feel guilty." And I'm like... and that's when I should say, let me send them to you. Catherine Shanahan: You know what's interesting about that, if you ask them further... you'll say, "well what makes you think financially you can't afford it?" "Well my husband said, I won't get his pension." "My husband said, I won't be able to afford this." Or "my husband said..." so these women are living in fear. I shouldn't just say women because it goes the other way as well. So they think, "oh my gosh, I won't get any retirement..." we have something saved for my own retirement, I have so many people when you go through their IRA's, "oh my IRA only has 12,000 in it because we put it all into his... so now I don't have one, and he says he's keeping his and I'm going to keep mine." Well no, that not the way it works. Jennifer Hurvitz: And you're like, "uh-uh" Catherine Shanahan: So when they come through and get their financial portrait done, they get to see really what their household looks like. Jennifer Hurvitz: Right, right. Catherine Shanahan: And then what it would look like possibly afterwards. Jennifer Hurvitz: Right. Catherine Shanahan: And then they make a decision based on that. Jennifer Hurvitz: On the facts. Karen Chellew: And then sometimes they're going to say, "I can do this" and other times it's, "I am not signing up for that, I'm going right to marriage counseling." Jennifer Hurvitz: "I'm going to fix this fast." Jennifer Hurvitz: "Ah, no way. Thank you, yeah." Jennifer Hurvitz: It's funny because I was just really lucky because you know, I was horrified. I was really scared and I remember looking at my wusband and saying, "I'm scared, I'm horrified." And he was like, "I got you." So I was really lucky- Karen Chellew: Yeah that's great. Jennifer Hurvitz: I cry when I think about it because I was horrified and we were in mediation and I remember looking at him and going, "I don't know, Mark, like where am I going to be?" And he's like, "Jen, breathe I got you." And to this day we are just such good friends. So- Catherine Shanahan: Yeah. Karen Chellew: That's awesome. Catherine Shanahan: And that's really good and there's hope for everybody but if you're listening to that we still want you to get your agreement reviewed before you sign it. Because often times- Jennifer Hurvitz: That's not the case... that is not the case. Catherine Shanahan: Well your wusband sounds fabulous- Jennifer Hurvitz: He's great. Catherine Shanahan: But often times there are promises made that are quickly broken- Jennifer Hurvitz: Sure. Catherine Shanahan: As soon as the agreement is signed, so... Jennifer Hurvitz: Yes, yes... oh God. Catherine Shanahan: And again, we say this all the time... listen, use your clarity. You make the decision based on that and if you want to give that all away, or you want to give up on that. It's your divorce, go ahead and do it but do it with the financial clarity that you need. Not by emotions or someone promising you something. Jennifer Hurvitz: But wait a minute, don't a lot of women you find... I know that we have to go because we've been talking so long, I'm sorry... Catherine Shanahan: We can talk forever. Jennifer Hurvitz: But don't a lot of women, you feel they get to the table and they're like, "I don't care, just give it. I want to get out of here..." Karen Chellew: Yes. Catherine Shanahan: Yes. Jennifer Hurvitz: "Just take it" why? Why? Why? Karen Chellew: It's the same thing happens, twice. Jennifer Hurvitz: Oh no, no. Catherine Shanahan: They've gotten to a point, for example someone called last week. She did her consult and I said, "you know"... Karen mentioned earlier, people think they've got it together and we're all about mediating and getting your resolution between... avoiding the court system. But, "okay let me ask you a few questions." Well she literally was signing away on $250,000. Jennifer Hurvitz: Oh my God! Catherine Shanahan: The husband called and he was really mad because Karen was telling him, "well this is what we do." Blah blah blah, you may have an agreement but there's some open-ended questions and he probably scared her and so she's going to sign off. And I'll tell you this, next year she'll be regre... not even next year. But she's going to regret it. But what happens is they lose patience, which is why we have an article on patience. Everybody wants to [inaudible 00:42:11] and say, "oh gosh, I hope this lasts forever. I love the divorce phase." Everybody says, "I need this done, it's and emergency. I need it done." As if it's the last one out there. But it's not the case, you need to take your time and know how this will impact you. And if you know it's going to impact you then, okay you made the choice and you can live with the consequence. But I feel like your job, Jennifer would be so much harder for somebody who is living with regret. Jennifer Hurvitz: Oh yeah. Catherine Shanahan: To move on. Regret that they didn't take this opportunity for themselves to find out what their financial life was really going to look like. Because when you have regret, it's so hard to move forward. Jennifer Hurvitz: Yes. And you know, a lot of people feel like too, they think that they're going to be fine because they didn't do the work. They're like, "no, no I know I'm good. Financially I'm fine, I can't imagine I'm going to have a problem." And then they sign, and then they're like, "Oh, if only I would have." Right? Catherine Shanahan: Yeah. Jennifer Hurvitz: "If only I would have seen." Because now I'm sitting here going and I'm like, "well why didn't you?" You want to... Catherine Shanahan: Right. Karen Chellew: And it's really all about that financial clarity. I was speaking with someone last week and they're close but they're still like probably, $100,000 apart. And I said, "you have a choice, based on your budget and based on what this is you're going to be fine. You can maintain your lifestyle, you're going to be fine. Yes you deserve this extra money, you get to decide now, do I want to spend another $10,000 in legal fees to get this and another year, probably of stress to get to court. You get to decide, either way you're going to win. You're either going to win emotionally or you're going to win by getting the money that's coming to you, it's clear and cut here." So when you have that level of clarity, that you can just say, "I know my budget, I've got my lifestyle. I can do this. But you know what? It's mine so I'm going to take it, I'm going to invest that extra money." It's less emotional because it's all right there in front of you and that's just so valuable. Because either decision she makes is perfect. Karen Chellew: [inaudible 00:44:25] Catherine Shanahan: So get your financial portrait out there, ladies and gentleman. Make sure you have clear decisions and then if you just need... that you feel like you need someone to bounce it off of, that's why Jennifer is perfect for that. We all feel like we always need somebody to talk to make a decision for yourself all the time and it is nice to have someone to balance it off of and just get a real honest opinion and that's why having you as a coach and a cheerleader gives people the momentum they need to move forward [crosstalk 00:44:57] without any financial clarity because you won't be able to afford her. Jennifer Hurvitz: I tell people I'm their thinking partner. Catherine Shanahan: Great, I love that. You're a thinking partner. That's really awesome. Karen Chellew: You're like taking them over the bridge to be independent and dating, it's so great because that's so scary. I have this image of a person just holding their box of stuff, "okay got it, now what?" Jennifer Hurvitz: That was me. I was like, "where am I going? Where am I going?" And my poor babies behind me, they were like, "mom! What are we..." and I'm like, "come on guys, we'll be fine..." it's scary, it's scary. Catherine Shanahan: It is. Catherine Shanahan: [crosstalk 00:45:37] Jennifer Hurvitz: Everyone's going to be okay. I feel like everyone- Karen Chellew: [crosstalk 00:45:37] before you get married again. It's never bad to do your financial portrait. This way you have an idea of what you're going in with. Jennifer Hurvitz: Yep. Karen Chellew: To prepare. Jennifer Hurvitz: Yeah maybe I should come see you guys. I have a financial planner but he yells at me all the time, "What are you doing Jen?" And I'm like, "I don't know, I just..." He calls me, I ignore his calls. Karen Chellew: Aw that's great. You're hilarious. Well Jen thank you for being on with us today, it's truly been fun and helpful and informative and I'm sure invaluable to so many listeners. Jennifer Hurvitz: I hope so. Karen Chellew: So, thank you. Karen Chellew: [crosstalk 00:46:14] and keep us posted on everything that's happening with you. Jennifer Hurvitz: I will and thank you, so much you guys. Have a great day. Catherine Shanahan: Thank you. You too, lets do it again soon. Jennifer Hurvitz: Absolutely.
On this episode, Jeremy chats with Paul Chin, Jr. about how Begin and Architect makes it super easy to build and deploy serverless applications, why CFAs (cloud function-based applications) are better than traditional apps, how to deal with increasing serverless complexity, and why Nicolas Cage can make you a better developer.
Following a Coalition suggestion the 89.x1 seeks to uplift and promote the tourism industry to ensure a swift economic recovery. Catch Broadcaster J. June's travel tips plus CFAS mandated content. See the worlds, try new foods, experience new cultures, operate in non-standard gravities, worry not about... Click for Transcripts. Or visit our website. Show Notes http://web.b.ebscohost.com/ehpl/pdfviewer/pdfviewer?vid=4&sid=641dd7c6-7e2e-429f-aa92-a770ce5a83d8%40pdc-v-sessmgr01 (New Statesman published July 21st, 2008) Support www.dispatchfromthedesertplanet.com www.ko-fi.com/dispatchfromthedesertplanet www.patreon.com/dispatchfromthedesertplanet www.instagram.com/dispatchfromthedesertplanet Venmo: dispatchfromthedesertplanet Jeremie Serrano: https://www.instagram.com/lacomidadejeremie/ https://www.lacomidadejeremie.com/ Transcripts available on http://www.dispatchfromthedesertplanet.com/
Deepest gratitude to the glorious interplanetary authority the Coalition of Free Autonomous States. Thisday the 89.x1 team works to explain the brilliant, and not at all problematic or evil, CFAS system of mass incarceration. Stay safe, stay informed, and stay tuned! Click for Transcripts. Or visit our website. Show Notes: This fictional episode included absolutely real statistics from https://www.prisonpolicy.org/ If you'd like to stick it to the Coalition, learn more about U.S. mass incarceration and what you can do about it. Libby's Sloppy Joe: https://www.youtube.com/watch?v=DTs3ERZJMjA Dispatch From the Desert Planet: www.dispatchfromthedesertplanet.com www.ko-fi.com/dispatchfromthedesertplanet www.patreon.com/dispatchfromthedesertplanet www.instagram.com/dispatchfromthedesertplanet Venmo: dispatchfromthedesertplanet Jeremie Serrano: https://www.instagram.com/lacomidadejeremie/ https://www.lacomidadejeremie.com/
Keegan Hartman (@Keeganhartman1 via Twitter) and 2x SB Champ, former Denver Bronco TE, Byron Chamberlain (@bc_chamberlain via Twitter) discuss COVID-19's impact on OTAs, CFAs, and even... AO? Listen now!
Two NL tourism operator weigh in on the staycation summer ahead.
The Denver Broncos got back to work on Monday with players and coaches reporting online for the start of the team's virtual online off-season program. Coaches met with their position groups for meetings and off-season workouts that were all conducted virtually.Justin Simmons was unable to attend because he has yet to sign his franchise tag with the Broncos as the two sides continue to negotiate on a contract extension by the July 15th deadline. The team also made 4 roster moves on Monday by releasing several players.Every year the Broncos seem to find undrafted gems that make an impact -- Cody Roark takes a look at the 7 CFAs that the Broncos signed after the NFL Draft.Plus, Cody also answers listeners text messages as a part of the recurring "Text Message Tuesday" theme -- 303-529-6323 Learn more about your ad choices. Visit podcastchoices.com/adchoices
The Denver Broncos got back to work on Monday with players and coaches reporting online for the start of the team's virtual online off-season program. Coaches met with their position groups for meetings and off-season workouts that were all conducted virtually. Justin Simmons was unable to attend because he has yet to sign his franchise tag with the Broncos as the two sides continue to negotiate on a contract extension by the July 15th deadline. The team also made 4 roster moves on Monday by releasing several players. Every year the Broncos seem to find undrafted gems that make an impact -- Cody Roark takes a look at the 7 CFAs that the Broncos signed after the NFL Draft. Plus, Cody also answers listeners text messages as a part of the recurring "Text Message Tuesday" theme -- 303-529-6323 Learn more about your ad choices. Visit megaphone.fm/adchoices
An interactive radio talk show was aired on 3rd September, 2019 between 8-9 pm through Chamgei Fm. The purpose of the talk show was to disseminate the outcomes of capacity building on gender in forest and water management in Mau forest. The aim is to enhance participation of women in forest and water management and in decision making in CFAs and WRUAs. Participants discussed how they have applied the lessons by conducting trainings on gender aspects to community members including local administrators. Resource persons were Philip Chelule (Local administrator and member, Itare Chemosit WRUA) and Jackline Chelangat (member, Itare Chemosit WRUA).
An interactive radio talk show was held on 14th August, 2019 between 8-9 pm through West Fm, a local radio station in Mt. Elgon area. The purpose of the talk show was to disseminate the outcomes of capacity building on gender in forest and water management. The aim is to enhance participation of women in forest and water management and in decision making in CFAs and WRUAs. Participants discussed the gender gap in CFA and WRUA leadership, outcomes of capacity building on gender and suggestions to address the challenges. Resource persons were Janephrice Talian (Secretary CFA), Joan Mukhebi, (Treasurer, Chebombai WRUA) and Douglas Bwire (Research Officer, CIFOR).
Greetings BREWCAST listeners! I’m back in Australia after a trip to the US to go riding with the SHITHAWKS (our new biking gang - see photo). You can check out my Instagram (thebrewcast) for a few videos of the adventure. First, a big THANK YOU to everyone that has reached out and got in touch with me about the podcast. I literally had someone tell me they despise MBAs and to stop convincing people to do them. I told him to go do a CFA…haha (just kidding – sort of). But in all seriousness, my intention with this series is not to convince people to do an MBA. It is to provide the information and perspective to help YOU make the best decision. Speaking of CFAs, I have a guest coming on the show soon who has his level 3 CFA - it will be super interesting to talk about the differences and similarities between this path and an MBA. Please keep getting in touch with me via my website, Instagram or LinkedIn! In this episode, I talk about some of the conversations I think are critical to have during your decision process to take an MBA or any other further education. The four categories of conversations I discuss: • Being strategic with your boss • Getting support from your significant other • Set the expectation with your family • How to deal with your friends and the inevitable FOMO! Keep the comments coming and tune in to the great conversations I have coming up on TheBREWCAST. Cam
Mallory and Avery talk about using common formative assessments to ensure an equitable learning environment for every child.
Welcome to the Tearsheet Podcast. I'm Zack Miller. Today's guest on the podcast is eMoney Advisor, CEO Ed O'Brien. eMoney is one of the largest wealth management platforms in the space with over 2.5 million Americans on the platform. It's used by over 50,000 CFA's/Wealth Management Professionals. I wanted to utilize this time with Ed to learn about how the investment advisory business is changing and the role technology plays in this evolution. We also chat about how voice assistants and AI tech are changing the way CFAs and Wealth Management pros invest money and manage their clients and their portfolios. Ed O'Brien is my guest today on the Tearsheet Podcast.
In this episode of the Behind the Markets podcast Jeremy Siegel and Jeremy Schwartz talk to Dan David, Co-Founder of GeoInvesting, about China tariffs, politics, and running for Congress. Tune in! Guest: Dan David runs the GeoInvesting Team, which employs equity analysts, CFAs, PRC attorneys, investigators and accomplished authors and editors. During his tenure, thirteen China-based companies have been halted or delisted. More about GeoInvesting here https://geoinvesting.com/ Follow him on Twitter @dan_fgalphamgmt See acast.com/privacy for privacy and opt-out information.
Kelsey Maggard joins Jenna and JR for a very nice episode of Don't Take It From Us! She brings with her possibly the greatest Bumble profile of all time and the three go deep in their shared love of chicken. Enjoy! The Name Game (7:15) Bumblebraggin’ (12:45) -Ryan Down in the DMs (38:25) -I’ve been thinking about myself quite a bit in the dating game and how my regular life affects it. I go to the gym 4x/week, am studying for the CFA, and enjoy keeping my car almost show car clean. These are very selfish acts and I’m wondering if they affect my personality because I’m not out doing social stuff. I’ll hit the bars or events in town with a few friends every 1-2 weeks but that’s about all I get out. Is there a space for dating in a life like this or is there any truth to people who say things like “I’m working on my career, etc. so I don’t have time to date?
Sailors and families from Commander, Fleet Activities Sasebo participated in the annual CFAS-Saikai City softball tournament.
Sailors at Commander, Fleet Activities Sasebo help personnel at the Fleet Fitness Complex to speed up building renovations.
The Seabees support of the base ensures Commander Fleet Activities continued support of the seventh fleet.
The Mobile Damage Control Training Team travels all across Japan preparing ship crews for various different circumstances.
Fleet Activities Sasebo builds international relations through community service.
The U.S. Navy, the Japanese Maritime Self Defense Force, and the Japanese Ground Self Defense Force marched through the Yonka-cho shopping mall, otherwise known as the Ginza.
The Canadian Fertility and Sndrology Society has taken the position that Canada should allow for paid sperm and egg donors and allow surrogate mothers to be compensated. Dr. Jeff Roberts, President of the CFAS joins Rob. You can read their statement here: https://cfas.ca/wp-content/uploads/2014/11/CFAS-Position-Statement_Compensation-of-Third-Party-Reproduction11May2017.pdf
Joining the service is a commitment to be adaptable, changing duty stations every couple years, learning different jobs, and finding new friends with every move. Seaman Krystina Coffey finds out how a Sailor finds something permanent while serving overseas.
USS Warrior and USS Patriot, forward- deployed minesweepers in Fleet Activities Sasebo, go underway to work together with the Japanese Maritime Self Defense Force. Seaman Krystina Coffey sees off USS Warrior for their first international event, Exercise 2JA.
The CFAS Blue Bus operated by the Family Member Assistance Team, or FMAT, is a valuable service to personnel traveling to or from Fukuoka. Petty Officer Michael Sanchez introduces us to one Sailor who adds a personal touch to every trip.
Tomorrow’s Leaders Meet in Sasebo. Petty Officer Michael Sanchez shows us how students from both countries have come to CFAS to learn about the US Navy’s role in the region and how they can continue to improve international relations.
Many Americans celebrate the Memorial Day weekend with barbecues and other summer festivities. Petty Officer Jeremy Graham tells us how sailors at Fleet Activities Sasebo skipped the picnics for some hard work to embrace the holiday.
The Bible ends with The Book of Revelation. In that book there is a promised blessing to all who read, hear and keep the words that they find therein. We all know that this life, that we're living won't last forever and at some point, we will come to our end. So what happens when this world ceases to exist? And why should it matter to you right now? Let's join Pastor Jonathan and look to the Bible for answers as we explore "The End."
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