Podcast appearances and mentions of dean witter

This episode of Lurking in the Fog features Coleman Flaherty, who shares his gripping journey through the financial industry, marked by substance abuse, regulatory violations, and redemption. Flaherty recounts his early career struggles, starting at Dean Witter in 1989, where substance abuse quickly derailed his path. Over six tumultuous years, he moved between firms, committing unauthorized trades and grappling with personal demons, culminating in a 2005 SEC ban for illicit trading practices. After founding several penny stock newsletters, Flaherty's success grew but also led to further illegal activities, including offshore accounts to evade regulations. In 2012, an FBI investigation resulted in felony charges, but Flaherty cooperated as a confidential informant, aiding multiple convictions. His narrative sheds light on the darker side of high finance, the personal costs of addiction, and the path to recovery. Flaherty's candid discussion provides an insider's perspective on the pressures, temptations, and consequences of life "lurking in the fog."

Ask A Matchmaker is Coming Back!  In this gripping and deeply emotional episode, Matchmaker Maria brings you the extraordinary story of Lolita Jackson, a woman who not only witnessed history but survived its darkest days. Lolita's journey is not just one of survival; it's a testament to the strength of the human spirit, the power of resilience, and the courage it takes to rebuild a life after unimaginable loss.   Lolita Jackson was a high-achieving chemical engineer turned Wall Street professional, working at Dean Witter, which later merged with Morgan Stanley, in the World Trade Center's South Tower. In this special rebroadcast, Lolita recounts her harrowing experiences on two of the most pivotal days in modern history: the 1993 World Trade Center bombing and the 9/11 attacks in 2001. Through her vivid storytelling, Lolita takes us back to the moments when the unthinkable happened—not once, but twice—and how she navigated through chaos, fear, and the physical and emotional challenges of escaping from a crumbling tower.   Lolita shares intimate details of what it was like to be at the heart of these tragedies, from the eerie silence that followed the first explosion in 1993 to the shockwaves that rocked her building on 9/11. You'll hear about the crucial decisions she made in seconds that ultimately saved her life, including the split-second choices to take different stairwells, her near-misses with falling elevators, and the intense willpower it took to remain calm amidst panic and devastation.   As Lolita reflects on her survival, she delves into the profound impact these events had on her life. She opens up about the PTSD that followed, the struggle to find a sense of normalcy, and the often-overlooked experiences of the survivors who walked away from the towers that day. Lolita also discusses the incredible support systems she leaned on, the community of fellow survivors, and the personal growth that emerged from her trauma.   But this episode is not just about recounting the past. It's about Lolita's inspiring decision to pivot her life towards joy and fulfillment, redefining her own success on her terms. After leaving Wall Street, Lolita found new ways to make a difference, dedicating herself to causes that align with her values and bring her peace. Her story is a powerful reminder that even in the face of overwhelming darkness, we have the choice to choose happiness, to find purpose, and to rebuild.   Join Matchmaker Maria for this unforgettable episode that explores themes of resilience, the power of choice, and the relentless pursuit of happiness after the unthinkable. Lolita Jackson's journey through 9/11 is not just a story of survival; it's an inspiring blueprint for how to live boldly, authentically, and with unwavering hope in the face of life's greatest challenges. Whether you've experienced personal loss, trauma, or are simply seeking a reminder of the strength of the human spirit, this episode will leave you moved, inspired, and ready to face your own battles with renewed courage.   Listen now to “Surviving the Unthinkable: Lolita Jackson's Journey Through 9/11” and discover how one woman's story of survival can inspire us all to find light, even in the darkest of times.   *******Stay Connected!******** @matchmakermaria (Follow!) @askamatchmaker (Follow the pod!) Make sure to subscribe and sign up for notifications for fantastic dating and relationship advice brought to you by Maria Avgitidis!  

In this episode, The Annuity Man discussed:  The four main concerns that annuity addresses Why you should stay away from fancy annuities  Things to consider when buying annuities    Key Takeaways:  Annuity contracts are designed to address four key concerns: principal protection, lifetime income, legacy planning, and long-term care. However, not all annuities are created equal. Fancy annuities often come with a host of fees and complicated rules that can make them difficult to understand and manage. On the other hand, contractual annuities offer the same guarantees without the added complexity, providing the peace of mind and financial security you need without the headaches. When considering an annuity, it's essential to weigh your options carefully and choose a product that aligns with your goals and values. By opting for a contractual annuity, you can enjoy the benefits of principal protection, lifetime income, legacy planning, and long-term care, all while keeping things simple and easy to understand.   "I used to work with Dean Witter, Morgan Stanley, Paine Webber, UBS, where that was market-driven stuff. If you're going to be fancy, be fancy over there because you have real possibilities of real returns. With annuities, they're contracts. Never forget that. You cannot have your cake and eat it too." —  Stan The Annuity Man.    Connect with The Annuity Man:  Website: http://theannuityman.com/  Email: Stan@TheAnnuityMan.com  Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator!

Doug Sivco discussed early kids TV; watching SNL in high school; going to Rutgers and being on the radio; trying out to be an NBC page; NBC Nightly News; Space Shuttle Columbia; Election 1980; literally bumping into to Ted Kennedy; Letterman morning show; getting the job at SNL; taking messages for the cast; remembering hosts Elliot Gould, Chevy Chase, and Rodney Dangerfield; Burt Reynolds saves his butt; getting his brother in almost every week; carrying out Mick Jagger; escorting out Deborah Harry; Gabe Kaplan being a jerk; last episode and after party; the new cast; hanging out with Eddie Murphy; Joe Piscopo, Charles Rocket, and Charlene Tilton; finding Cheap Trick's guitar in the green room; working at WNBC; leaving to do news in Alexandria, La.; going to Wilmington, NC and then Harrisburg, PA; the grind of local news; covering Penn State & Philly sports; bloopers; R. Budd Dwyer; went to work for Dean Witter; his current job; living in Cape Cod; community theater; meeting Gilbert Gottfried and being smitten by Linda Ronstadt and Jamie Lee Curtis

Does your pension fund contribute to a more sustainable world? CalSTRS does and has been since the 1970s/80s. To lead this conversation is the very first pension fund guest for SRI 360°, Chris Ailman, one of the world's most recognized and respected Chief Investment Officers. Multiple award winner, Chris currently acts as CIO of CalSTRS, managing its $311.5 billion portfolio, making it the second-largest pension fund in the United States and the largest educational pension fund in the world.With over 39 years of expertise in institutional investment, Chris has become a thought leader in incorporating ESG criteria into his long-term, “patient” capital investing approach.His journey began with an early fascination with the stock market, leading him from the role of registered rep at Dean Witter to becoming a certified financial planner from USC. His interest in institutional investment carried him through pivotal roles, from Sacramento's county retirement system to the Washington State Investment Board, before landing at CalSTRS in 2000. Chris has not only placed CalSTRS as a beacon of sustainable investing but has also been recognized globally for his innovative investment approach. He's also the mind behind the Sustainability Accounting Standards Board, the chair of the 300 Club, and co-chair of the Milken Global Capital Markets Committee.In this episode, Chris and I reflect on the evolution of ESG investing and its critical role in shaping our planet's future. His narrative is not just about investment; it's a testament to his belief in the power of long-term investing and the need for a sustainable approach to wealth management.We also explore the challenges of integrating ESG into traditional investment frameworks, the importance of shareholder engagement and corporate governance, and the future of sustainable investing. Tune in to this conversation to gain valuable insights from one of the world's most influential figures in pension fund management and sustainable investing. Show notes: https://sri360.com/podcast/chris-ailman/About the SRI 360° Podcast: The SRI 360° Podcast is focused exclusively on sustainable & responsible investing. In each episode, I interview a world-class investor who is an accomplished practitioner from all asset classes.Connect with SRI360°:Sign up for the free weekly email updateVisit the SRI360° PODCASTVisit the SRI360° WEBSITEFollow SRI360° on X/TwitterFollow SRI360° on FACEBOOKKey TakeawaysAn overview of the CalSTRS portfolio (17:14)Chris' theory of change on long-term capital investing (24:09)The ins and outs of ESG investing strategy (25:40)Sustainable investing, shareholder engagement, and corporate governance (40:26)The CalSTRS net-zero emissions pledge (49:13)Chris' thoughts on nuclear power (55:00)Differences between how Europe & USA view ESG (59:26)Sectors making progress towards global sustainability (01:06:01)Sustainability initiatives that Chris is involved in (01:12:13)Final questions for Chris (01:15:42)Additional Resources Connect with Chris Ailman on LinkedInCalSTRS WebsiteCalSTRS Sustainable InvestingCalSTRS Path to Net ZeroCalSTRS LinkedI

Welcome to another exciting episode of Holy Smokes with Steve Reiter and Mitch Smith! Mitch shares his journey from resigning from his job to starting his own business and finding success in the learning management platform industry. He discusses his experiences, including meeting influential individuals, building strong client relationships, and the impact of faith in his life. Mitch also dives into his current projects, including creating innovative assessments for children and his involvement in a men's group. Stay tuned for an inspiring and insightful episode of Holy Smokes with Mitch Smith. Outline: (04:23) Mom stayed home, played sports, had fun. (10:23) Rebellion, excessive drinking, college disappointments, dissatisfaction. (13:18) The fortunate guy finds a new trustworthy friend group. (19:22) The Agency said it could take 5 years. Resigned, played golf, and met Dean Witter's manager. (22:04) Moved to Columbia for business, found wife. (30:45) Great bible study, mentorship, and discipleship journey. (32:59) CD ROM video, tracking software, Herx Selenis. Safety training online. $660,000 contract in 1994. (37:40) Successful learning platform, landed big clients. Experienced in a young industry. (46:35) Writing a diary to share faith and family importance. Meeting Chalmers Culbreth, battling cancer. (49:43) The book uncovers junk in life and friendship. (54:56) Designed an iPad learning platform for a pharma company. The youngest daughter asks for a digital curriculum. Homeschool companies refuse due to IP concerns. (1:02:15) Consulted after unsuccessful company venture, kept RootLoud. (1:08:57) "Guarantee change, reduce fees, create engagement in business." (1:14:34) Loved cutting grass on a tractor. (1:17:02) Country football nights, catfishing, cigars at Citadel. (1:22:02) Facebook post leads to a thriving men's community. (1:28:15) Tired of news, watches YouTube, enjoys history. (1:34:38) DNA test reveals dad is not a real dad. (1:37:34) Thriving community fosters connections, enabling ministry. About the Guest:  Mitch Smith is the son of a hardworking paper mill mechanic who taught him the values of generosity and a strong work ethic. Growing up, Mitch's father worked at Springs Mills before seizing the opportunity to work at new paper mills near Rock Hill. This decision turned out to be the greatest thing that ever happened to him. Despite being in a seemingly ordinary role, Mitch's father was known for his godly character and his willingness to give generously, challenging the perception that only the wealthy can be generous givers. Inspired by his father's example, Mitch learned valuable lessons about investing in the kingdom and considers himself incredibly blessed to have been raised by such a remarkable man.

Interview recorded -  19th of December, 2023This week I had the pleasure of welcoming back David Hay - Co-Chief Investment Officer of Evergreen Gavekal.During our conversation we talked about the David's current thoughts on markets, whether we are in a new bull market or bear rally, assets David is currently watching and more. I hope you enjoy!0:00 - Introduction0:45 - Current thoughts on markets3:05 - Preventing Trump returning to power?6:20 - FED providing maximum optionality?9:20 - Consensus skewed to bullish side11:10 - Do we understand the impact QT has on markets?14:05 - Long End of Bond Market to help FED?15:15 - New bull market or bear rally? 19:20 - Opportunities in small caps?24:47 - Case for Strong US Economy?27:00 - What attracted David to Emerging Markets Debt?29:20 - What else is David watching?33:05 -  Industries that are out of love36:37 - One message to takeaway from our conversation?David Hay acquired the majority interest in Evergreen Gavekal (at the time, Evergreen Capital Management) in 2002. He continues to serve his long-time clients and acts as Co-Chief Investment Officer with special emphasis in macro-economic research.  David has been employed in the securities industry since 1979 when he joined Dean Witter Reynolds, now Morgan Stanley. He rose to the position of Senior Vice President in 1983. In 1985 he was the youngest member to be elected to Dean Witter's elite Chairman's Council. David and his team joined Smith Barney in 1990 and were instrumental in establishing the Portfolio Advisory Program. Fulfilling the positions of Senior Vice President, Senior Portfolio Manager and Director, David also served on the Smith Barney Directors Advisory Group, gaining valuable experience in merger integration and client service enhancement.  In 2022, David released his highly anticipated book, Bubble 3.0:  Who blew it and how to protect yourself when it blows apart. The book explores why he believes the financial markets are headed toward a third iteration of past market rotations. Accordingly, he believes there are a number of investment areas/asset classes poised to benefit from what he has begun referring to as “The New World Disorder”.  David currently spends the winter months in Indian Wells, Ca., with his wife, Mindy, and two dogs, Nova and Roscoe.  In early June, they will be moving into their new home in Liberty Lake, Wash.David Hay Interviews - Haymaker as Host interview: https://www.youtube.com/watch?v=EnDy6SGoG00MicroNuclear explanatory video: https://www.youtube.com/watch?v=Fb2Op0mWlUwDavid Hay - Twitter - https://twitter.com/Haymaker_0Website - https://evergreengavekal.com/Substack - https://haymaker.substack.com/WTFinance -Instagram - https://www.instagram.com/wtfinancee/Spotify - https://open.spotify.com/show/67rpmjG92PNBW0doLyPvfniTunes - https://podcasts.apple.com/us/podcast/wtfinance/id1554934665?uo=4Twitter - https://twitter.com/AnthonyFatseas

Morgan Stanley's Origins and Glass-Steagall Act [00:00:00]Merger with Dean Witter and Diversification [00:02:27]Financials and Business Segments of Morgan Stanley [00:04:51]Debt Issuance and Payments [00:10:35]Increasing Cash Dividends [00:11:45]Stock Performance and Valuation [00:12:49]

Interview recorded - 8th of June, 2023On todays episode of the WTFinance podcast I had the pleasure of speaking with David Hay, Co-Chief Investment Officer of Evergreen Gavekal.During our conversation we spoke about key drivers of the current market, whether we are still in the biggest bubble of history, how the current debt cycle risks collapse and why nuclear energy is the future of non-carbon energy. I hope you enjoy!0:00 - Introduction0:50 - Key drivers of current markets?4:30 - Can the FED save the US economy?7:15 - Will we see stagflation or disinflation?10:30 - Are we still in a bubble?13:28 - Industries/geographies that David is watching?17:00 - How would Treasury funding issues effect market?20:00 - Will they run inflation hot?24:00 - The end of a debt cycle?26:10 - Pensions and other levered bond holders to be punished?31:30 - Stock picking during market uncertainty?34:30 - Future energy crisis and why nuclear is vital38:15 - Why is nuclear better than other non-carbon energy producers?42:10 - One message to takeaway from our conversation?David Hay acquired the majority interest in Evergreen Gavekal (at the time, Evergreen Capital Management) in 2002. He continues to serve his long-time clients and acts as Co-Chief Investment Officer with special emphasis in macro-economic research.  David has been employed in the securities industry since 1979 when he joined Dean Witter Reynolds, now Morgan Stanley. He rose to the position of Senior Vice President in 1983. In 1985 he was the youngest member to be elected to Dean Witter's elite Chairman's Council. David and his team joined Smith Barney in 1990 and were instrumental in establishing the Portfolio Advisory Program. Fulfilling the positions of Senior Vice President, Senior Portfolio Manager and Director, David also served on the Smith Barney Directors Advisory Group, gaining valuable experience in merger integration and client service enhancement.  In 2022, David released his highly anticipated book, Bubble 3.0:  Who blew it and how to protect yourself when it blows apart. The book explores why he believes the financial markets are headed toward a third iteration of past market rotations. Accordingly, he believes there are a number of investment areas/asset classes poised to benefit from what he has begun referring to as “The New World Disorder”.  David currently spends the winter months in Indian Wells, Ca., with his wife, Mindy, and two dogs, Nova and Roscoe.  In early June, they will be moving into their new home in Liberty Lake, Wash.David Hay Interviews - Haymaker as Host interview: https://www.youtube.com/watch?v=EnDy6SGoG00MicroNuclear explanatory video: https://www.youtube.com/watch?v=Fb2Op0mWlUwDavid Hays - Twitter - https://twitter.com/Haymaker_0Website - https://evergreengavekal.com/Substack - https://haymaker.substack.com/WTFinance -Instagram - https://www.instagram.com/wtfinancee/Spotify - https://open.spotify.com/show/67rpmjG92PNBW0doLyPvfniTunes - https://podcasts.apple.com/us/podcast/wtfinance/id1554934665?uo=4Twitter - https://twitter.com/AnthonyFatseas

  Susan Kryl is a legendary direct marketer with two pieces of advice for marketers everywhere. First, use the “Day in The Life” technique to gain deep customer insight for building your marketing strategy. Second, “Learn, teach and mentor,” in order to keep up to date and give back to the world. (Advice she offers even for new entrants to the field.) Join us in a lively conversation about how Susan climbed the agency ladder to the very top, and later became a mentor to many who then did the same. Susan also shares the fascinating story of having created a win-win strategy for marketing education at DePaul University by assigning students to develop marketing plans for Chicago-area not-for-profits. About our Guest: Susan Kryl's experience ranges from healthcare branding for Children's and Northwestern Memorial Hospitals to minority marketing programs for Verizon, and to technology and financial services product launches for Informatica, RCN, GE Financial Services, and Dean Witter. Her initiatives have also included consulting with Singtel in Singapore, and the introduction of the Discover Card with the J. Walter Thompson team in Chicago, where she led the response marketing group, JWT Direct, before founding her eponymous strategy/marketing/creative company 30 years ago. Her leadership roles in the advertising community include terms as president of the Woman's Advertising Club (WAC) and the Chicago Association of Direct Marketing (CADM). She also chaired Direct From The Heart (DFTH), a unique CADM program that acted as a clearinghouse between Chicago non-profits and marketing professionals and recognized the pro bono work of members. Susan, an ardent music lover, served more than two decades as an active member of the Lyric Opera of Chicago's Guild Board of Directors, including several terms on the Executive Committee. WVU Marketing Communications Today: Marketing Legends is presented by the West Virginia University Reed College of Media, which offers renowned online master's degree programs in Marketing Communications.  

Frankie interviews:David Hayhttps://substack.com/profile/73406521-david-hayLinda Bloom & Charlie Bloomhttps://bloomwork.com/BOOK: An End to Arguing: 101 Valuable Lessons for All RelationshipsDavid Hay is the Co-Chief Investment Officer, Founder Emeritus, and Partner of Evergreen Gavekal. He is also the author Haymaker and his latest book, Bubble 3.0: History's Biggest Financial Bubble: Who Blew it and How to Protect Yourself When it Blows Apart. David Hay has been working in the securities industry since 1979 when he joined Dean Witter Reynolds, now Morgan Stanley. He was named Senior Vice President in 1983. In 1985 he was the youngest member to be elected to Dean Witter's elite Chairman's Council. Haymaker, David's Substack newsletter, launched earlier this year; is presently available to readers at no cost. https://haymaker.substack.com/Linda Bloom, LCSW and Charlie Bloom, MSW have been married since 1972. Trained as psychotherapists and relationship counselors, they have worked with individuals, couples, groups, and organizations since 1975 and have lectured and taught at learning institutes throughout the USA and internationally, including the The California Institute for Integral Studies, and the World Health Organization. They have authored five books, including the best seller, 101 Things I Wish I Knew When I Got Married: Simple Lessons to Make Love Last. They are founders and co-directors of Bloomwork, based in Santa Cruz, California. https://bloomwork.com/This show is part of the Spreaker Prime Network, if you are interested in advertising on this podcast, contact us at https://www.spreaker.com/show/3240061/advertisement

Bubble 3.0: History's biggest financial bubble: Who blew and how to protect yourself when it blows apart. - David Hay David Hay has been working in the securities industry since 1979 when he joined Dean Witter Reynolds, now Morgan Stanley. He was named Senior Vice President in 1983. In 1985 he was the youngest member to be elected to Dean Witter's elite Chairman's Council. David and his team joined Smith Barney in 1990 and were instrumental in establishing the Portfolio Advisory Program. Fulfilling the positions of Senior Vice President, Senior Portfolio Manager and Director, David also served on the Smith Barney Directors Advisory Group, gaining valuable experience in merger integration and client service enhancement. He acquired a majority interest in Evergreen Gavekal (at the time, Evergreen Capital Management) in 2002. He continues to serve his long-time clients and acts as Co-Chief Investment Officer with special emphasis in macroeconomic research. In early 2022, David released his second book, Bubble 3.0: History's Biggest Financial Bubble: Who Blew It And How To Protect Yourself When It Blows Apart. The book explores why he believes the financial markets are headed toward a third iteration of past market busts. He believes there are a number of investment areas/asset classes poised to benefit from what he has begun referring to as “The New World Disorder.” Haymaker, David's Substack newsletter, launched earlier this year; is presently available to readers at no cost and can be found here.

Tom welcomes back Dale Pinkert to the show. Dale is an experienced commodity and FX trader. He is also head of trader development at Trade Gate Hub. Markets are getting massacred due to the Fed hike. Lately, you can judge how everything else will perform based on dollar strength. Dale questions where the labor force has gone as a result of the great resignation, and if those workers will ever return. We're in a new paradigm but the Fed may be in the Twilight Zone. We're going to need a weaker dollar to see the metals move higher. Dale believes the British Pound has reached the bottom, but the outlook for the Yen may not be that good. He believes US Bond yields could drop from here. If dollar strength continues, the U.S. may be forced to bail out much of the world's financial systems. If rates stay high, we're going to see solvency issues with corporations and governments. Dale discusses the food supply problems and why they are likely to persist for some time. The issues include droughts, war, and a lack of fertilizer. Lastly, he discusses what is needed for the Australian and Canadian dollars to perform better. Australia really needs to see China reopen to the world. Talking Points From This Episode The consequences and lagging effects of Fed rate hikes.Outlook for currencies and why the dollar may be topping.Grains and soybeans may be entering a bull market, which is concerning.Targets for precious metals and the outlook for resource backed currencies (CAD & AUD). Time Stamp References:0:00 - Introduction0:30 - Fed & Flying Skills2:42 - NFP & Employment7:42 - Silver & Charts10:42 - Metals Capitulation?11:45 - Dollar Chart & Bonds13:49 - Japan & Treasuries16:52 - Debt & Damages19:17 - Markets & Elections21:44 - Dollar Monthly23:00 - Risk Management25:26 - Fed "Fixes" & Faith29:16 - Bullish on Grains41:13 - Copper Technicals44:09 - Metal Targets46:20 - Currency Thoughts51:06 - Wrap Up Guest Links:Website: https://face-experience.comWebsite: https://tradegatehub.comTwitter: https://twitter.com/ForexStopHunter Dale is head of trader development at Trade Gate Hub and ALSO Host of Face. Dale began his career in operations on the CME floor for Dean Witter when they traded currency futures on chalkboards. He became a licensed Series 3 broker in 1976 and went on to own and operate Pinkert Commodities GIB. He became a Member of the CME (IOM) Division for a stint and his forecasts have been aired on many Financial media including CNBC. Dale has Coached/Mentored retail and prop traders and has gained a solid reputation for his work on the other side of the mic, having interviewed over 700 of the best of the best in trading.

Jeff loves it when he sits across from someone who, like him, has been in the niche-managed futures part of the investment world for their entire career. There's not all that many of them, and today's guest, Michael Harris(@mikeharris410) fits the bill. Michael's unique backstory began within the Sales and Product Development group at Morgan Stanley Managed Futures in 1997, continued as European trader and eventual President of managed futures behemoth Campbell & Co., overlapped with time on the board of the Managed Funds Association, and continues today where he currently resides as Quest Partner's President. Michael and Jeff talk about quantitatively positioning for long skew via short-term trading strategies and what set Quest apart to make him choose them to build on his impressive career. They also discuss a variety of topics like; the transition from the trading floor to the executive floor, what it was like in the good old days of managed futures, advice for funds that want to join the billion-dollar club, the macro risks in the world today, and so much more. Plus, we put Michael in the hot seat where he gives us his take on Crypto and digital assets — SEND IT! Chapters: 02:50-07:57 = Work/Life balance 07:58-28:31 = Exploring the CTA macro space, Dean Witter's MF dept, John Henry's Model & Algorithmic progression 28:32-34:33 = Campbell & Co, Growing your Billion dollar fund 34:34-47:38 = Portfolio protection, trend following, adding positive skew & short-term strategies 47:39-01:02:12 = Reacting faster & embracing trend with short-term models 01:02:13-01:10:21 = the MFA: Providing education & understanding 01:10:22-01:21:29 = Hottest take: Crypto & digital assets From the episode: Sign up for the Quest indicator book Quest's whitepapers & research Previous Derivative episode with Quest Partner's Nigol Koulajian RCM's Trend Following Guide Follow Michael on Twitter @mikeharris410 and for more information on Quest Partners visit questpartnersllc.com This podcast is provided for informational purposes only and should not be relied upon as legal, business, or tax advice. All opinions expressed by podcast participants are solely their own opinions and do not necessarily reflect the opinions of RCM Alternatives, their affiliates, or companies featured. Due to industry regulations, participants on this podcast are instructed not to make specific trade recommendations, nor reference past of potential profits. And listeners are reminded that managed futures, commodity trading, and other alternative investments are complex and carry a risk of substantial losses. As such they are not suitable for all investors.

October 26, 2022 — The Surface Transportation Board, the federal entity that regulates railroads, issued another ruling on the Great Redwood Trail this week, deciding that the agency can convert 176 miles of line to a trail. The Great Redwood Trail Agency will be allowed to railbank the track, which means filling it in with aggregate or dirt so that the railroad ties serve as a frame for the trail. The track runs from Commercial Street in Willits, where the Skunk Train depot is, to just outside Eureka. Robert Pinoli, the President and CEO of Mendocino Railway, the Skunk Train's parent company, did not know what the Agency's plans regarding the depot are. Representatives for the Agency and the State Coastal Conservancy, which is now in charge of the trail, have not addressed our question about the depot. Last week, the Surface Transportation Board rejected Mendocino Railway's bid to purchase thirteen miles of track from the depot to Longvale. A few hours after the Surface Transportation Board's Monday- afternoon approval to railbank the line, Senator Mike McGuire held a virtual Town Hall to unveil the first step of the trail's “master plan,” a process he expects will take two to three years before building the trail can begin. Karyn Gear, of the State Coastal Conservancy, is the Executive Director of the Great Redwood Trail Agency. The Conservancy has been involved in conservation projects on the shoreline as well as inland rivers bearing anadromous fish. Gear spoke about her organization's role in the planning process. “The Conservancy was asked by Senator McGuire and the Legislature to take a leadership role in doing the master planning for this project, and also to help be the interim staff for the Great Redwood Trail Agency,” she began. “The Legislature appropriated ten million dollars to the Conservancy to do just that, to help move this project forward. So the first thing we did, after we started looking for additional staff with expertise to work on this, was to start to develop a request for proposals to look for consulting firms to help with the master planning process.” The Conservancy settled on Alta Planning and Design, which has offices all over the state. McGuire insisted that there is plenty of money for the project, announcing that, “We have the funding sources for all of the trail master plan, and we have money in the bank for construction. We were able to secure ten and a half million dollars in state funds to pay for the staffing and master plan of the Great Redwood Trail. This is going to take us through the next several years of hard work and planning the trail. And a half billion dollars, five hundred million dollars, has been secured for the State Coastal Conservancy for projects that will help us fight our climate crisis and build trails of statewide significance. That includes the Great Redwood Trail.” McGuire and members of the Trail Agency hope that private landowners alongside the trail will take advantage of opportunities to offer hospitality services and amenities to trail users. Wild camping will not be allowed, but the senator enthused about one site that he said has already committed to providing a campground. “Eventually, what you're going to see are authorized camping spots throughout the trail,” he said. “In fact, just last year…the state, along with the Wildland Conservation Board, just purchased the old Lone Pine Ranch,” a remote forested property on the eastern bank of the Eel River, on the border of Mendocino and Trinity counties. It was formerly owned by Dean Witter, who bought it in the 1940's. It stayed in his family until his heirs decided to sell it to conservation groups. The Conservation Fund's website says that, “For many years, our partners at The Wildlands Conservancy owned a 3,000-acre portion of the Lone Pine Ranch. But in 2019, they sought our help to protect the remaining 26,000 acres…The support for this project has been tremendous with the help of Governor Newsom, Secretary of Natural Resources Crowfoot, the Center for Biological Diversity, California Wildlife Conservation Board, and the California State Coastal Conservancy.” McGuire described the property as “some of the most spectacular land that you've ever seen. It's 30,000 acres. It will have 12 miles of riverfront trail. That's going to be our first authorized campground. You're going to have restrooms there, be able to stock up on provisions and water. This is a game changer for the trail.” Deven Young, with Alta Planning and Design, which is preparing the master plan, said that the design could include enhanced access for CalFire vehicles, though McGuire pointed out that trail users are not among the main culprits, when it comes to human-caused fires. And McGuire referred to a ranger service that he hopes to deploy along the trail to pick up trash and assist travelers. Young spoke about ideas to create solar-powered hotspots that would enable hikers to call in emergency responders if someone gets hurt. “A lot of it comes down to wayfinding in and around the corridor itself,” he said. “It's remote. So demarcating and outlining and creating points along the corridor is really critical. As part of that wayfinding, we've actually found remote, really rugged trails have a lot of success using things like bluetooth beacons” with tiny solar panels along the trail, which allow hikers to have cell phone access and call for help. Timelines and exact figures are not available yet. And it will take a separate ruling from the Surface Transportation Board to allow railbanking south of Willits to Ukiah, and on to Cloverdale. Carol Hart, Chairwoman of the Great Redwood Trail Agency, is pushing to make it happen within a lifetime. “And I really hope, for our eighty-year-old plus people who have tuned in, that they are going to get out on this trail,” she enthused. “They are going to get to see the phenomenal Eel River Canyon, and the Founders Trail, and enjoy what this trail will have to offer.”

https://haymaker.substack.com/https://awesound.com/a/bubble-30-historys-biggest-financial-bubbleBubble 3.0: History's Biggest Financial BubbleWho Blew It And How To Protect Yourself When It Blows ApartDavid Hayhttps://gavinfrye.com/the-real-you-book/Gavin FryeDavid Hay has been working in the securities industry since 1979 when he joined Dean Witter Reynolds, now Morgan Stanley. He was named Senior Vice President in 1983. In 1985 he was the youngest member to be elected to Dean Witter's elite Chairman's Council. In early 2022, David released his second book, Bubble 3.0: History's Biggest Financial Bubble: Who Blew It And How To Protect Yourself When It Blows Apart. The book explores why he believes the financial markets are headed toward a third iteration of past market busts. Haymaker, David's Substack newsletter, launched earlier this year; is presently available to readers at no cost and can be found here: https://haymaker.substack.com/Gavin Frye has 40 years experience as a licensed spiritual therapist. He was catapulted onto his career path in his teens growing up with his brother, a convicted murderer and white supremacist gang leader. He learned how to heal trauma and discovered his gift for bringing greater intimacy into our closest relationships. Gavin's new book, The Real You: Leading Your Life From Your Authentic Self, is now available for preorder on Amazon. It is a comprehensive work that illuminates and makes accessible the universal path of the Authentic Self. http://gavinfrye.com/

In this episode, we are joined by Jonathan DeYoe, advisor of Mindful Money and the host of the Mindful Money Podcast. He discusses how he became a financial advisor, what his typical process is for working with clients, and what common threads he sees that people struggle with in their financial plans. Jonathan emphasizes the importance of mindfulness, especially in personal finance, and how it can help us increase wealth and lead more meaningful lives.   [00:01 - 05:03] The Money Philosopher Jonathan shares his background  Going back to the financial space Financial planning versus investment selection   [05:04 - 16:21] Mindfully Saving and Investing Setting long-term goals What it means to be mindful of the path  Getting the emergency fund covered and the rest gets invested How to invest in a volatile market Diversification is key   [16:22 - 23:10] Scaling in a Mindful Way Getting out of the poverty mindset Why Jonathan decided to merge his business with another company Understanding your purpose Sign up now for Mindful Money's FREE Values, Purpose & Goals course! [23:11 - 24:09] Closing Segment Reach out to Jonathan!  Links Below Final Words Tweetable Quotes   “I don't think anybody can predict anything. So given that, planning is the tool we use. And in fact, the two tools we think that are most valuable are planning and education.” - Jonathan DeYoe “The concept of mindfulness is sort of  a non-judgmental awareness of the present moment.” - Jonathan DeYoe “ Let's not judge the fear. Let's not make some kind of an assumption about what's gonna happen next, what's on the ground, what can we do to make a difference.” - Jonathan DeYoe -----------------------------------------------------------------------------   Connect with Jonathan at the Mindful Money website. Check them out on YouTube, Instagram, Facebook, LinkedIn, and Twitter. Sign up for their Values, Purpose & Goals course for FREE!   Connect with me:   I love helping others place money outside of traditional investments that both diversify a strategy and provide solid predictable returns.     Facebook   LinkedIn   Like, subscribe, and leave us a review on Apple Podcasts, Spotify, Google Podcasts, or whatever platform you listen on.  Thank you for tuning in!   Email me → sam@brickeninvestmentgroup.com Want to read the full show notes of the episode? Check it out below:   [00:00:00] Jonathan DeYoe: Because of my education in sort of philosophy and, you know, mindfulness training and meditation and religious kinds of things, I think that whenever I'm on a show when I'm being interviewed, or whenever I write, that comes across the idea that, Hey, you know, there is a way to make better decisions. It's not the way that we're told all the time. [00:00:20] Jonathan DeYoe: Let's talk about the way that actually is helpful. And for some people, they go, oh, that makes a ton of sense. Let me talk to Jonathan. And when they do then that's stimulation right there.  [00:00:40] Sam Wilson: Jonathan DeYoe is a Lutheran seminary intern, Buddhist academic turned financial advisor. He's also the advisor of the Mindful Money and the host of the Mindful Money Podcast. He has been investing for over four decades in helping others build wealth for the last 25 years. Jonathan, welcome to the show. [00:00:57] Jonathan DeYoe: Thanks for having me, Sam. [00:00:58] Sam Wilson: Pleasure's mine. There are three questions I ask every guest who comes in the show: in 90 seconds or less, can you to tell me, where did you start? Where are you now? And how did you get there?  [00:01:05] Jonathan DeYoe: In 90 seconds or less? Where did I start? So I started off in Rapid City, south Dakota, was raised pretty poor. And so I made a, made a goal for myself to make money and to not have that problem, you know, growing up. So took a detour, studied finance in college, took a detour, studied philosophy and comparative religion ended up coming to California to be a Lutheran seminarian. The Lutheran school I was, I had agreed to go to and they had given me a scholarship. [00:01:30] Jonathan DeYoe: When I got here, they said, listen, we had a bad year last year. We don't have the scholarship money. So I went across the street to a Buddhist school and they said, yeah, we have some money. So I ended up studying, compared to religion from a Buddhist side, was there for two, three years, realized that I really wanted to practice more than I wanted to be an academic. So I meditated every day since. And started off, you know, right after I left, at Dean Witter, which became Morgan Stanley Dean Witter. You know, I was at five or six different wall street firms before I started my own firm in 2001. And so the last 20 years, building that firm until last year when I merge it into EP Wealth. [00:02:05] Sam Wilson: Wow. Wow. That's interesting. Tell me, you know, in that financial planning practice, how gimme some color on what that was? I mean, there's, the say financial planning can mean 10,000 different things to 10,000 different people.  [00:02:18] Jonathan DeYoe: Yep. Yeah. It's, it's a great question. I, and I appreciate more than you probably know. So I think most people that have, that say financial planner mean investment advisor and I actually mean financial planner. I don't think anybody has the ability to guess what's happening next. I don't think anybody that can control outcomes. I don't think anybody can predict anything. So given that, planning is the tool we use. And in fact, the two tools we think that are most valuable are planning and education. So in my own personal pivot, you know, I'm, I'm working with clients on their financial plans and I go in depth on, you know, all their cash flows, incomes, outflows, all their goals, what those costs, you know, the probability of increased costs later on everything, education, we go really, really, really deep in all aspects of their financial lives. [00:03:05] Jonathan DeYoe: And what that does is it gives us the ability to make better decisions in the now. And that's, that's really what financial planning is. It isn't investment selection, it isn't market timing. And if you've got folks that are looking for better investment selection, better market timing, that's not here. And in fact it's not anywhere, but especially not here  [00:03:20] Sam Wilson: That, you know, I love the idea, what you mentioned there, differentiating between what is financial planning and what is just investment selection, 'cause those are, those are two very different things. Getting someone to a point where they want to come to you and say, Jonathan, let's sit down and let's just pull the curtains back on everything and just dissect this piece by piece has got to be, the people that are willing to take the time to do that are few and far between I would imagine. Is that, is that a fair assumption?  [00:03:49] Jonathan DeYoe: Yeah. Thankfully, there are many different brands of financial advisors as you sort of alluded to. And so people can find the people that fit with them and they're out there. I don't believe it's possible that someone can select a better investment or time market any better than I can. But if you believe that someone can do that for you, then, you know, I wish you the best of luck. I think that's a great thing.  [00:04:07] Sam Wilson: Right. And I guess I would, the, what I was getting at was that what you provide is an incredibly valuable service to people that take the time to do it. [00:04:16] Jonathan DeYoe: Yeah.  [00:04:17] Sam Wilson: What are the things that bring people to you to where they say, Hey, Jonathan, I need your help?  [00:04:23] Jonathan DeYoe: Well, I, so I don't know what the thing is that stimulates somebody to make a decision to ultimately call us that that's hard for me to guess, but because of my education in sort of philosophy and, you know, mindfulness training and meditation and religious kinds of things, I think that whenever I'm on a show or when I'm being interviewed or whenever I write, that comes across the idea that, Hey, you know, there is a way to make better decisions. It's not the way that we're told all the time. Let's talk about the way that actually is helpful. And for some people they go, oh, that makes a ton of sense. Let me talk to Jonathan. And when they do then that's stimulation right there.  [00:04:59] Sam Wilson: Right, right. That's really cool. I like, I like that, that answer there. Tell me, you know, when you guys dig into, or when you dig into someone's financial plan or in this case, maybe the lack thereof, what are some of the common threads you see that things you go, man, most people struggle with this, and this is how they overcome it?  [00:05:19] Jonathan DeYoe: Yeah, and it's a great question. The, I think that the thing that most people do and the thing that causes the most problems that I've ever seen is we simply don't save enough. Like, we don't save enough. And how do we save more? Well, there's three different pieces of this, right? You, you earn more, you spend less. And then you sort of think longer term. So realize that right now, right now you, you're earning a certain amount and people panic about that. And I can't do anything about it. Well, you're gonna, you're gonna earn more later, almost guaranteed, right? [00:05:45] Jonathan DeYoe: You are, we are always becoming the next version of ourselves. And so we get raises, we switch jobs, we start a side gig. And, and so in terms of planning, you can think about all those kinds of things and I just, I just went through this process myself. I went back, and I don't know if you've ever done this, I went back and looked at, goals that I set 11 years ago, 10 years ago. [00:06:04] Jonathan DeYoe: And I kid you not, I beat the goals by 10. I had like five specific goals, every single one of 'em I had, I had beaten by like 5% or 10%, which, and I set 'em 10 years, you know, 10 years ago. I was 40 years old and I was like, these are crazy goals. I'm just gonna, I'm gonna really set the bar high and boom, we, we nailed them. [00:06:25] Jonathan DeYoe: And so the, the fact that you put those things on paper, that you think about them, that you write them down actually does create outcomes. You have to follow through, you've got to do the work. You got to take the time, all that kind of stuff. But if you write it down and you, you reflect on that on a regular basis. You'll get there, right? You'll get there. And I, I fully believe that. The reminder is this is what you got to do. Let's go do it.  [00:06:46] Sam Wilson: Right. And I think that goes into the, into the title of your book, which is the well you, or a title of podcast or book, which one is it? You wrote a book. [00:06:53] Jonathan DeYoe: Both. [00:06:54] Sam Wilson: Both. It is a Mindful Money and Mindful Money Podcast. There it is. That's that's the topic. Your book is Mindful Money. Can you break down what that, other than just writing it down and saying, Hey, this is, this is where I want to go. What else does that mean to you?  [00:07:10] Jonathan DeYoe: So. The second thing I would say, if we don't save enough, the second thing is we invest without knowing where we're, what we're investing for. So, so mindfulness, this concept, what is mindfulness? The concept of mindfulness is sort of a, a non-judgmental awareness of the present moment. And right now in the present moment, we've had two quarters of kind of volatile markets after nine years of just a wonderful upside. So, so people are actually experiencing this now. [00:07:35] Jonathan DeYoe: And, and if you're a real estate investor, you haven't experienced this kind of volatility, this kind of interest rate rise since 2008, 2009. So if you're, you know, this is kind of scary for a lot of folks, for sure. But the reality is this is a natural ebb and flow of markets. This is, this happens. [00:07:49] Jonathan DeYoe: It's normal, it's normal in equity markets. It's actually normal in, in real estate markets as well. And the mindfulness piece is realizing, okay, there's this scary thing. Let's not judge the fear. Let's not make some kind of an assumption about what's gonna happen next, what's on the ground, what can we do to make a difference. When you're thinking about somebody that has goals and dreams and things they wanna accomplish, if they've never thought about the goals and dreams and things, they're, they're behind, right? [00:08:13] Jonathan DeYoe: They, they don't, they don't know, they don't know what they're targeting, but more important than not knowing what they're targeting is they don't know how to course correct. You know, you got to know where you're going in order to know when you're not on the path. And so mindfulness is of the path, not mindfulness is knowing where I'm going, knowing that the decisions I need to make to get there and then course correcting along the way, being non-judgmental about the environment, knowing what I need to do internally, right?  [00:08:38] Jonathan DeYoe: And that's the, that's very tough to get to that. But when you work with people and you sit down with them, you do the full analysis of everything you wanna accomplish. You say here's the trade offs that you need to make to make that happen. Here's the expected normal run of the mill market volatility run of the mill downside you're gonna run into, and you have to just keep doing the stuff that we said you had to do while that stuff happens. [00:09:00] Jonathan DeYoe: 'Cause that's just normal. That's par for the course. That's what we can expect. Then they meet that when you're on the path, right? So you you've made the plan. You've you've talked about the trade offs. You've told them what to expect and then they, that thing hits them, that smacks 'em in the face and then they, oh, we talked about this and yeah, we'll talk about it right then again. And we'll talk about it every six months. We'll talk about it every year. We'll keep talking about it and talking about it and talking about it and then it hits them and then they can work through it. And it's that, it's that constant message of, this is what we got to do. This is what we got to do, this, what we got to do that enables people to do it when the time comes.  [00:09:32] Sam Wilson: I love it. I love it. You said one of the mistakes that you see people making is that they don't save enough. Yeah. What does saving mean to you? How, how, how would you answer this? What does saving mean to you in an environment where we see the value of especially dollars just going away. I mean, what does that, I mean, inflation is just killing savers right now. How do you save, how do you mindfully save?  [00:09:56] Jonathan DeYoe: Yeah, well said, well said. So saving is, is one step in a two step process, right? Everyone has to have enough savings that is declining in value that inflation's gonna erode. [00:10:05] Jonathan DeYoe: No question about that, right, and, and it's, we're talking a lot about inflation today, but inflation has always been a fact. It's been 1.8, 2% for about 10 years. It's always gonna be coming. It's always around the corner. And you're thinking about 60 year investing lives and 30 year retirements, you're gonna face lots of inflation. [00:10:22] Jonathan DeYoe: So to this, isn't a special thing. This is something we should expect, okay? So given that, I'm always recommending saving more, but, but saving is just the first step in that two step process. Once you have your emergency fund, once you have enough sitting in cash, then you're investing it, you're seeking, you're seeking a place to put it that has the highest opportunity, right? [00:10:42] Jonathan DeYoe: And so that could be, and I know what you guys do, you know, lots of real estate, I've done a lot of real estate in my life as well. I'm a huge fan of, of just public equity markets. I'm actually a huge fan of, of private enterprise as well. I like now I invest in small businesses locally than when they, when they run into trouble. [00:10:57] Jonathan DeYoe: I invest into small tech companies where, where, you know, I might know the CEO or I might have a friend that's, that's introduced me to the CEO or something like that. I, I love that stuff. I love equity. I love business. I'm also a huge fan of real estate as a way to develop wealth.  [00:11:11] Sam Wilson: I like that. So you're saying what we do first, get the emergency fund covered, get your basic, get that covered. And the rest gets invested.  [00:11:19] Jonathan DeYoe: Totally.  [00:11:19] Sam Wilson: Where do you see prime risk right now in investments? Be it in the, in the public markets, be it in real estate. I mean, you see a lot of different stuff come across your desk. Is there anything right now that when you see it, you just get this internal gut check of like, oh boy. [00:11:37] Jonathan DeYoe: I do. I'm not sure I'm gonna win any popularity contest with this.  [00:11:41] Sam Wilson: It's okay. We're not here for popularity contest. We're here for, for honest feedback.  [00:11:46] Jonathan DeYoe: So I think, and this, goes back every two, three years. There's something that comes across the pipe that is, you know, exciting to talk about. And usually, while it's exciting to talk about, it's a really dumb idea to engage, you know, back, you know, go back 20 years. I'm starting the business in the middle of the dot com world. You know, there's plenty of people that saying nothing but technology matters, nothing, but connectivity matters. This is all that matters and that's all gonna invest in. And they did really astoundingly well, you know, 96, 97, 98, 99. And in 2000, they lost 90% of their assets. Because everything chased one idea. So now it's in this last couple years, there's been a lot of chasing going on. You've had, you've had specs. [00:12:27] Jonathan DeYoe: They're they're all destroyed NFTs. They're pretty much destroyed crypto. I think crypto has a case. I'm not investing in the currency. I think there's a case long term, not in the currency, but in the blockchain. I wouldn't, I wouldn't touch the currency myself. It's just, you know, that's speculation. [00:12:41] Jonathan DeYoe: That's not investing. So for me, I like anything that's broadly diversified. You know, I like to own lots of different stuff, 'cause I think the risk is in the concentration. The risk is engaging, the exciting thing, getting too concentrated and the exciting thing when it's exciting. I love stuff that's like, okay, everybody hates this now it's probably a pretty good investment, right? Remember,, like Tesla was killing it. Ford was getting destroyed. 2022 comes, Tesla gets destroyed. Ford is killing it. That's a pretty good story. That's kind of what you can always anticipate.  [00:13:15] Sam Wilson: I love, I love your statement there, that the risk is in the concentration. We're seeing that right now in the multifamily space. I mean, I don't know if you track anything in commercial real estate, you know, specifically, but the capital pouring into multifamily has just caused cap rate compression at a pace that I just can't, it's unfathomable to me. And yes, I did buy some multifamily last year. It was, I mean, it just made all the sense in the world. They were sweetheart deals and they're crushing it, but by and large, like, I just stepped out of it. I just said, man, this is, yeah. It's it just seems frothy.  [00:13:51] Jonathan DeYoe: Was it, I think, Buffett said, you know, you buy the thing when it's, I, I don't remember what it was.  [00:13:56] Sam Wilson: Be fearful when others are greedy, and be greedy only when others are fearful.  [00:13:58] Jonathan DeYoe: Yeah. It's that, but if it's dear, if it's dear, if everyone wants it, that's you don't want that. You know, and there's plenty of in real estate specifically, in stocks, there's plenty of opportunity. Maybe, maybe it's parking lots now, you know, maybe it's not single family. Maybe it's, you know, there's so many different options of how you do it, that don't buy the thing that everyone's chasing. And right now, like the big money is all chasing multifamily. You've got, what is it? The Blackstone, right? Buying thousands and thousands of units that drives up prices makes the cash flow less good.  [00:14:25] Sam Wilson: Right. Drives up prices. I mean, it's great. It's great for those of us, you know, if we're exiting. [00:14:30] Jonathan DeYoe: Yeah. If you're an owner, it's good time.  [00:14:33] Sam Wilson: Yeah. It's a good time to sell that. That's absolutely right. But no, I think, I think that's really, really smart there. When you say the risk is in the concentration. I mean, do people come to you and send you, you know, opportunities they have, if they're a client of yours and say, Hey, Jonathan, here, here's an idea. Here's an opportunity to invest in something. What do you think?  [00:14:51] Jonathan DeYoe: Yeah. I mean, it it's rarer. I mean, the people that are, you know, I wrote a book called Mindful Money. So the, the people that attracts first is people that aren't really interested in investing. [00:15:02] Sam Wilson: Right.  [00:15:02] Jonathan DeYoe: So, they don't want to do this themselves. They want somebody to do it for them, with them, you know, hold their hand through the process. And I'm, that's what I love to do. I love, I love to actually walk people through capital markets 'cause I, I love capital markets. It's a, it's a fun place for me. [00:15:14] Jonathan DeYoe: But occasionally I have a client who will come in and say, Hey, I bet this idea. I bet this idea. Or, you know, my buddy started this company in Silicon valley, what do you think? And, and, you know, they, they run the gamut from a real estate thing to a new meta platform to a new, you know, so there's, there's so many chip companies, there's so many different things that I, that I run into. [00:15:33] Jonathan DeYoe: I actually, don't, I've only made a couple of those direct investments myself, because there's so much risk. And that, I mean, it's like 98% chance that you lose every penny you put into it, right? So again, concentrations are good. I like diversification. So I have, I have a guy that does this a hundred percent of his time. [00:15:50] Jonathan DeYoe: This is what he likes to do. And so I give him the money that I wanna invest in private enterprise. And he invests that money 'cause he invests in 60 in every fund. So that's fine. That's how I get diversification in that space. And those are out there that're available. I recommend those and I think that's, in your world, that's like syndication, right?  [00:16:04] Jonathan DeYoe: So you get somebody that does a bunch of different things and you, they pool money and that enables more investments across a broader, a broader range of opportunity.  [00:16:11] Sam Wilson: Yeah. Yeah. Especially, especially when you start getting into syndications that are funds where we might pull 10 assets into a single fund. [00:16:19] Sam Wilson: That's absolutely right. Tell me about this. You mentioned early on that you were raised poor there's oftentimes I feel that there are mindset shifts that you have to get over, especially I'm, I'm in your camp of growing up pretty much, yeah, pretty pretty on the poor side of things. [00:16:37] Sam Wilson: And so I'll just speak, maybe I'm maybe I'm projecting here. [00:16:40] Jonathan DeYoe: Project away.  [00:16:41] Sam Wilson: It took me a long time to really get out of the poverty mindset. [00:16:45] Jonathan DeYoe: Oh, yeah.  [00:16:45] Sam Wilson: It's like, oh man, this is where I come from. This is who I am. This is who I'll always be. This is the way, and my parents treated money fairly well. We just didn't have much of it, but still there, there was a lot of just getting over some of those things. Tell me, how can you contrast that upbringing and, you know, your book on, on Mindful Money and being mindful of your money? What, how do those two coincide? [00:17:07] Jonathan DeYoe: So there's actually a third point in there and we talked about it just briefly before we started. So I did, I wrote a book and there's three parts to the book. The first part of the book is all the illusions you can ignore. The middle part is the stuff that can make you, that leads to wellbeing, happiness, contentment, whatever that word is you want to use. And then the third part of the book is a plan to get there. [00:17:25] Jonathan DeYoe: So I've written a book that talks about, you know, health relationships, gratitude, generosity, all these things that we know lead to happiness, right? So I know, I know this stuff, I've read the research. I read the papers, all that kind of stuff. And it wasn't until last year when my brother died, that it really hit me that I wasn't doing it. [00:17:46] Jonathan DeYoe: Like, I wrote the book. I understand, but I was, I am still to this day, I have a poverty mindset to this day, and it's not that it holds me the way it did when I was younger. But it pops up. And you go, oh, there it is. Like, that's the thing that gets me. And I find myself worrying a lot about it all going away. [00:18:06] Jonathan DeYoe: So that's that, you know, I built the thing. I merge a thing in a larger company, I'm building more content. I'm writing, I'm teaching I'm doing all the stuff I love to do. And yet there's this thing that I'm afraid, I'm afraid that someone's gonna take it all away. It's gonna take it away. So when my brother died, it really brought home something about the way he lived his life. [00:18:23] Jonathan DeYoe: And it was, you know, he didn't mind being late to the movie. He didn't mind making you wait. He didn't mind. He didn't stress. All the things that I stress constantly. And so I'm, I'm learning to be a little bit more relaxed and, you know, it ebbs and flows. Like, I'm trying my best. And, but that man, it grips you and it shows up in places you don't expect it. [00:18:42] Sam Wilson: Yeah. It's an interesting thing. I probably didn't recognize even in myself or know that it existed. Gosh, until probably I don't even know five, seven years ago. And it's like, wait, there you are like, yeah, I have a poverty mindset and it just it's recognizing it. [00:18:57] Sam Wilson: It is a journey, you know, everybody has their own journey, but it's certainly an interesting journey to just explore. And so I was just curious how, how that worked out. One last question here for you before we sign off really curious about your business. I know we talked about this a little bit off air, but I think it's important for those who are scaling their business and thinking about ways to scale and also scaling in a mindful way. [00:19:18] Sam Wilson: We're gonna just keep playing with a mindful theme here, but you took your business and merged it with another company really so you could focus on the thing that you enjoy the most. Is that right?  [00:19:30] Jonathan DeYoe: Yeah, that's absolutely right. 21 years of building a practice, I think we talked about this beforehand. [00:19:35] Jonathan DeYoe: My, my brother, when my brother died, we had plans that beginning this year. So her died middle of last year, June of 2021. He was gonna join me first quarter of 2022 and be my COO CEO. He was technology genius. He was an operations guy. He had his MBA, and I'm much better face to face with a client. [00:19:54] Jonathan DeYoe: And so I wanted to do none, none of the business management, and I wanted him to come on and do that kind of stuff. And we've been, we've been planning it. We actually started a company in 2006 that we actually shut it in 2008. So we we've been thinking about how to do this for a long, long time. So when he died, everything changes very quickly. [00:20:08] Jonathan DeYoe: And, and so I was like, okay, I know I don't wanna do this. I know I don't wanna pick the next, you know, technology tool we use. I know I don't wanna do, you know, so many things we had to think about in terms of our technology stack and I, I didn't wanna do that. So I, I had actually recently talked three years ago. [00:20:24] Jonathan DeYoe: I had talked to this firm EP wealth. And I'd gone down the road with them and I chatted with them pretty deeply. And, and I decided at that point, I'm just gonna grow this thing. I'm gonna bring my brother on. We're gonna do this together. We've always meant to do this. And so I went back to them and I went back to like 15 or 20 other companies. [00:20:38] Jonathan DeYoe: And I hired an M&A firm and said, this is, this is what my firm is doing. This is what we believe in. This is our thought process. This is our investment process. This is our planning process. You know, find a firm that's a good match and EP, you know, the people I talked to three years ago ended up to be the, the best match for me and I merged in there. [00:20:54] Jonathan DeYoe: And so now, I get to do the two things I want to do. We're six months in, so there's still some overlap. There's still some things I have to take care of, right? But I see a point in the future where I get to write and I get, do my podcast and I get to visit with you on your podcast. And I get to sit face to face with my clients and I don't have to worry about any other stuff. [00:21:13] Jonathan DeYoe: And that's for me, that's the dream. That's what I want to do. And it took 20 something years to get here. And I think this year I would've been there either way. You know, I don't, I would much have preferred doing this with Dave, but this is the world we live in now.  [00:21:26] Sam Wilson: It is. Yeah. And that's, one, I'm really sorry to hear that about your brother. I can't, I can't imagine that I've got four of my own and that had be absolutely devastating. So thanks, thanks for sharing that with us. But at the same time, I think it is scaling your business. And that's the title of the, of our podcast is how to scale commercial real estate and the number of people that come on this show and not number, number of them. [00:21:48] Sam Wilson: But, but I get kind of two camps that come on. One person's gonna say, Hey, you know, we're going gangbusters. And we're gonna, we're gonna have, you know, 500 employees and, you know, own billions of dollars in real estate. And that may be exactly what life they wanna create. And then there's other people that come on and say, look, you know what I've covered. I make 250 grand a year passively, and I'm enjoying the rest of whatever it is until I decide to go back to work and do something differently. And I'm happy as a, a pig and lop. It's just very interesting. So I think, I think mindfully scaling and figuring out and building your business around the way you want it is, is a great example that you've sat for us here by, you know, partnering up and merging with another firm. So you get to do exactly what you love.  [00:22:29] Jonathan DeYoe: Yeah, and I think I told you this in the, in the little email exchange we had before we sat down, but the key to that process is really understanding what you want. And that's that, that's that goals, vision, purpose, kind of a thing. And I think the course that we're gonna put in the show notes is the, is our vision course. [00:22:46] Jonathan DeYoe: And so we have a course that's free. Everyone can take it. And it's, it starts with like, what are, what are my values? What's my purpose? And then I can build goals on top of values and purpose. And that's, so many people never even go through that process. And I, I try to go through that process every single year. [00:23:00] Jonathan DeYoe: You know, I'm, I'm behind this year, but, I'll definitely pick it up again next year. But that's, that's huge. Know what's important to you, know what your purpose is, know why you're here, and then build goals on top of those two things.  [00:23:09] Sam Wilson: I love it. Jonathan, if our listeners wanna get in touch with you or learn more about you or take the free course, what is the best way to do that?  [00:23:16] Jonathan DeYoe: So Mindful Money is the place to find all the social media and find the website and find the courses. We have a lot of different courses that are financial education and including a financial planning course, that's, that's built basically right on the chassis of my book and all the exercises in the book. [00:23:29] Jonathan DeYoe: So people can definitely check that out. I'm hoping that we can put the, in the show notes, the link to the free course.  [00:23:34] Sam Wilson: Absolutely. Yeah, we, we'll do that. We'll put that link there in the show notes. Jonathan, thank you so much for coming on the show today. I do appreciate it. Thank you so much. Have a great rest of your day.  [00:23:43] Jonathan DeYoe: Thanks Sam. 

Tom welcomes a new guest Dale Pinkert to the show. Dale is an experienced commodity and FX trader. He is also head of trader development at Trade Gate Hub. Dale discusses the importance of gathering 'intelligence' in trading and questioning your own beliefs. It's important to manage emotions and practice risk management. Stops are important for those occasions where you're wrong, and the best traders use them diligently. If you don't know why you're getting into the market you shouldn't be doing it. He explains how all markets are manipulated, and no one complains when there is a bull market. The Fed can't print commodities so Fed policies will have little effect. Instead, Jay Powell should pray for rain. The debt burden means we can't survive much of a tightening cycle. Dale will be surprised if the Fed can get rates to three percent. It won't take much to topple a system that is so top-heavy with debt. The strength of the dollar hasn't impacted the metals market that much. The long dollar trade is quite a crowded trade. We could be looking at a new low for the Euro and a top for the dollar. Every major bottom in silver can be matched with a top in the dollar. We need a bear market in the dollar for silver to move. The U.S. might not be the best currency any longer. Some of our key market structures appear broken, and therefore the dollar may no longer be the cleanest dirty shirt. Dale believes a rally in metals is coming. Tom discusses the risks in the housing market and how things have changed since 2008. Mortgage rates are climbing, and risks are increasing. FOMOing into buying a house seems like a dangerous idea. Tom and Dale discuss how market tops often come withclear signs like ads on the television for crypto or real estate. Lastly, Dale gives some excellent advice for new investors learning to trade. Talking Points From This Episode Importance of learning and gathering 'intelligence' from others.Why the debt situation will limit the Fed's ability to act.Anticipating where the Dollar and Euro may head from here.Why the U.S. dollar might not be the best currency any longer. Time Stamp References:0:00 - Introduction2:10 - Managing Risks8:10 - Metals Manipulation?10:07 - Debts, Rates, & The Fed13:20 - Dollar Strength15:18 - Macro Factors17:40 - Devil Advocacy20:22 - Bond Yields22:47 - Risk-On Trades29:41 - Equity Sell-Off & Metals32:03 - Timeframes & Evidence33:56 - Picking Miners37:55 - Copper Outlook40:44 - Housing Markets?46:50 - Market Top Signposts48:12 - Volatility & Opportunity51:14 - Wrap Up Guest Links:Website: https://face-experience.comWebsite: https://tradegatehub.comTwitter: https://twitter.com/ForexStopHunter Dale is head of trader development at Trade Gate Hub and also the Host of Face. Dale began his career in operations on the CME floor for Dean Witter when they traded currency futures on chalkboards. He became a licensed Series 3 broker in 1976 and went on to own and operate Pinkert Commodities GIB. He became a Member of the CME (IOM) Division for a stint, and his forecasts have been aired on many Financial media including CNBC. Dale has Coached/Mentored retail and prop traders and has gained a solid reputation for his work on the other side of the mic having interviewed over 700 of the best of the best in Trading.

Join us LIVE for The Vinney and Beau Show!! Every Friday at 9:30am PST or 12:30pm EST on all social media websites! Topic: Note Investing Former Wall Street trader Jasmine Willois is the founder and Managing Director of The Note Assistance Program. A platform providing a proven proprietary system to empower individual investors and family offices to optimize their time and finances through mortgage note investments. Jasmine Willois' proprietary system is predicated on her more than two decades of working in finance from coast to coast. In addition to her MBA, Ms. Willois has obtained and held at least 25 different trading, securities and other professional licenses. Before becoming an entrepreneur she worked with some of the most notable firms including Morgan Stanley, Dean Witter, Metlife and GMAC Homecomings. ------------------------------------------------ About Vinney (Smile) Chopra: Vinney is a real estate investor, syndicator, International best-selling author, host of 4 podcasts, multifamily educator, mentor, dedicated husband of over 40 years and father of 2 children-Neil and Monica, residing in Danville, California (near San Francisco) for 40+ years. Vinney came to this country with only $7 in his pocket and a dream. Vinney has now built a portfolio of over 6,500 units amounting to over $650 Million in the multifamily, senior assisted living and hospitality arenas. He is passionate about helping others achieve financial freedom and giving back to our seniors who have given us so much. Learn more about Vinney: https://vinneychopra.com/ Learn more about investing with Vinney: https://vinneychopra.com/investor/ Apply for Mentorship: https://vinneychopra.com/mentorship/ Vinney's Youtube: https://www.youtube.com/c/VinneyChopra/videos Vinney's Linkedin: https://www.linkedin.com/in/vinney-smile-chopra/ Vinney's Instagram: https://www.instagram.com/vinneychopra/ Vinney's Free Book: https://vinneychopra.com/freebook/ ------------------------------------------------

Having spent more than 35 years helping establish and run the world's largest online brokerage, Mr. Ricketts today has returned to his roots, focusing on a wide range of entrepreneurial and philanthropic ventures. A pioneer in using technology to revolutionize the financial services sector, Joe founded the company now known as TD Ameritrade, a securities industry leader. Since 2008, he has devoted himself to various entrepreneurial and philanthropic ventures, including Opportunity Education Foundation, The Cloisters on the Platte Foundation, The Ricketts Conservation Foundation, and The Ricketts Art Foundation.   Mr. Ricketts shares some phenomenal insights on the show today. We discuss why being let go from the family business as a young man helped focus his mind on what he really wanted to do with his life. Joe talks a little about his non-conformist attitude to life and why he feels that you need to step forward when you're called to be a leader. He also shares the details of why he and his son decided to take their family business, Ameritrade, public and the reason Joe left the company, and why it turned out to be a much more emotional process than Joe anticipated.   “Responsibility and reliability come from you, not from anybody else.” - Mr. Ricketts   “If you don't enjoy the journey and the challenge of getting there, you're not going to get it done.” - Mr. Ricketts   “I always felt we were going to be successful. So whatever came at us by way of a problem, we had to find the way to overcome it.” - Mr. Ricketts    This Week on The Wow Factor: Joe's first job and how it gave him invaluable insights into how businesses worked Why Joe left a secure role at Dean Witter to make the leap into entrepreneurship Joe's philosophy on dealing with his competitors The importance of providing not only and great product but also an excellent customer experience How Joe managed to get the Legacy Act of the Wyoming Range passed to protect a local wilderness area Why Joe doesn't get involved in partnerships in his business The trusts started by Joe and his wife that required all of their four children to work together to manage their money and what they ended up doing with it Straight Arrow News, Joe's latest initiative, and why he decided to launch the news outlet on 2021   Joe Ricketts's Words of Wisdom: Being honest, candid, and straightforward is the best way for a leader to achieve success.   The Cloisters on The Platte: The Cloisters on The Platte is a spiritual retreat for people who want to get closer to God. The goal of the retreat is for people to realize the deeper level of how Christ is our king. The 3 day silent retreat is a private and contemplative experience, tucked away in the rolling hills of Gretna, Nebraska.   Connect with Joe Ricketts: Joe Ricketts' Website Straight Arrow News   Connect with The WOW Factor: I Like Giving: The Transforming Power of a Generous Life by Brad Formsma Words of Wisdom Website Brad Formsma on LinkedIn Brad Formsma on Instagram Brad Formsma on Facebook Brad Formsma on Twitter      

Join us LIVE for The Vinney and Beau Show!! Every Friday at 9:30am PST or 12:30pm EST on all social media websites! Topic: Note Investing Former Wall Street trader Jasmine Willois is the founder and Managing Director of The Note Assistance Program. A platform providing a proven proprietary system to empower individual investors and family offices to optimize their time and finances through mortgage note investments. Jasmine Willois' proprietary system is predicated on her more than two decades of working in finance from coast to coast. In addition to her MBA, Ms. Willois has obtained and held at least 25 different trading, securities and other professional licenses. Before becoming an entrepreneur she worked with some of the most notable firms including Morgan Stanley, Dean Witter, Metlife and GMAC Homecomings. ------------------------------------------------ About Vinney (Smile) Chopra: Vinney is a real estate investor, syndicator, International best-selling author, host of 4 podcasts, multifamily educator, mentor, dedicated husband of over 40 years and father of 2 children-Neil and Monica, residing in Danville, California (near San Francisco) for 40+ years. Vinney came to this country with only $7 in his pocket and a dream. Vinney has now built a portfolio of over 6,500 units amounting to over $650 Million in the multifamily, senior assisted living and hospitality arenas. He is passionate about helping others achieve financial freedom and giving back to our seniors who have given us so much. Learn more about Vinney: https://vinneychopra.com/ Learn more about investing with Vinney: https://vinneychopra.com/investor/ Apply for Mentorship: https://vinneychopra.com/mentorship/ Vinney's Youtube: https://www.youtube.com/c/VinneyChopra/videos Vinney's Linkedin: https://www.linkedin.com/in/vinney-smile-chopra/ Vinney's Instagram: https://www.instagram.com/vinneychopra/ Vinney's Free Book: https://vinneychopra.com/freebook/ ------------------------------------------------

Have you ever seen the “Grand Canyon of the Eel River”? Few have, but that might change soon thanks to a major new conservation deal engineered by the Wildlands Conservancy. The former “Lone Pine Ranch,” owned by San Francisco financial mogul Dean Witter, is now the Eel River Canyon Reserve, one of three reserves managed by the Wildlands Conservancy along the Eel River. Listen to this week's show to learn about when you can go camp along the Eel River and how the new lands will be incorporated into the Great Redwood Trail (and the risk that a coal train poses to this special spot).REQUIRED READING:SOLD! Conservation Groups Close Escrow on Mogul's Massive Ranch in the Eel River CanyonSupport the show (https://www.humboldtbaykeeper.org/get-involved/donate)

November 30, 2021 — The Wildlands Conservancy, a conservation group that buys large tracts of land for preservation all over the state, announced earlier this month that it had succeeded in purchasing close to 27,000 acres along what it calls the Grand Canyon of the Eel River: the $25 million Lone Pine Ranch, which Dean Witter's family bought in the1940s. Lauren Schmitt, of our sister station KMUD, interviewed Frasier Haney, the Executive Director of The Wildlands Conservancy, about plans to protect the habita and open up the area to outdoor recreation in the next two years. We should note that the Witter family is a generous supporter of KZYX.

I think that there's levers we can pull, that actually help people. I don't think being market focused or looking at the last six months or three years' performance are levers we can pull to help people. Planning, proper kinds of goal setting and figuring out what's really important, and prioritizing those things actually helps people get what they want, helps them feel more secure that their future will have more of what they want.” – Jonathan DeYoe    Connect with Jonathan DeYoe: LinkedIn Website Mindful Money Facebook Instagram Twitter YouTube Selected links and people mentioned in this episode: Mindful Money: Simple Practices for Reaching Your Financial Goals and Increasing Your Happiness Dividend by Jonathan K. DeYoe Abundance: The Future Is Better Than You Think by Peter H. Diamandis & Steven Kotler Progress: Ten Reasons to Look Forward to the Future by Johan Norberg The Rational Optimist by Matt Ridley Mindful Money Lifestage Courses Connect with REIN Canada REIN Canada CEO@reincanada.com REIN Channel Facebook Instagram Twitter SHOW NOTES [02:08] Patrick introduces his next TEDM guest Jonathan DeYoe. [03:27] Jonathan and Patrick roll into their conversation with Jonathan describing who he is and what he does in the world. He goes on to share a brief story about his parents, and what was behind his own limiting beliefs that eventually transitioned into his mindful money mindset. [05:46] Having purchased his first stock at the ripe old age of 9, Jonathan shares where that thought process came from, who inspired him, and what spurred him to think in this way so early on. [08:40] Finance played a huge part in Jonathan's studies right up to college, but he explains why and how that road took a curve and he began to immerse himself into a whole new way of thinking with a whole new course for his future. Needle scratch! Though he wholeheartedly embraced his studies, when it came time for Jonathan to tackle the job market, he found that his Buddhist studies program wasn't the hot ticket. This led him back into finance with Dean Witter, a financial services and securities firm. [11:51] Jonathan describes his experience with entering that world of Wall Street and the mentors he met along the way. Five years later that path led him to leave Wall Street and start his own financial services firm that was more aligned with his values. [15:22] Investigating and taking inventory of what was really important to his core clientele Jonathan built his firm in a way that was less focused on the product sale, and more education-centred, while maximizing his aptitude for talking with people through the emotional dynamics of money. In the end, being of more satisfying contribution to make a better life for his clients and himself. [17:38] Jonathan shares his vision and goals for the firm he was creating and what drove him to stay goal-focused and planning driven. The recession of 2007 and 2008 was the impetus for incorporating the “mindful” piece into his organization. Mindfulness and stoicism are the keys to making better decisions in the face of both boom and bust. [20:54] Mindfulness. Jonathan shares a few elements of mindfulness within the context of his organization: vetting clients for alignment in values (and referring those who are not to other trusted firms), client communication pieces that focus on the fundamental principles which drive their method of investing, RAIN – realize, allow, investigate and non-identification. This idea behind this methodology is to identify the emotion that comes up i.e., anger or fear about money or the market, without identifying WITH it. Slowing down to be mindful of our reaction to stay focused on the plan. [25:10] Jonathan discusses the concept of “recency bias”. One of our challenges is that we live in the soup of today, but tomorrow the issues of today will be replaced by new issues. No matter how many years we go back,

Gretchen Morgenson is the senior financial reporter in the Investigations unit at NBC News, a position she assumed in December 2019.Previously, Ms. Morgenson spent two years as an investigative reporter at The Wall Street Journal and almost 20 years as assistant business and financial editor and columnist at The New York Times. She won the Pulitzer Prize in 2002 for her “trenchant and incisive” coverage of Wall Street in The Times.Ms. Morgenson began her career in 1976 upon graduation from St. Olaf College in Northfield, Minnesota. She joined Vogue Magazine as an editorial assistant and began writing the personal finance column for the magazine several years later. In 1981 she became a stockbroker at Dean Witter, a job she held for three years. Ms. Morgenson joined Money Magazine as a staff writer in 1984 and moved to Forbes in 1986. She was named assistant managing editor at the magazine in September 1997.Ms. Morgenson is co-author, with Joshua Rosner, of Reckless Endangerment, a New York Times bestseller about the origins of the 2008 financial crisis published in May 2011 by Times Books. Ms. Morgenson has won two Gerald Loeb Awards, one in 2009 for her coverage of Wall Street and another in 2002 for excellence in financial commentary. Ms. Morgenson has also served on two Pulitzer Prize juries, evaluating investigative reporting entries in 2009 and 2010. Ms. Morgenson and her husband live in New York City and have a son.

Day 2 of our N.O.S.H Nourish Our Soul Health Faith-Based Fitness 7 Day Challenge interview w/ our guest speaker Marlisa. On this epi we discuss how breathing relates to Nutrition. Our affirmation today comes from Gen 2:7 And the LORD God formed man of the dust of the ground, and breathed into his nostrils the breath of life; and man became a living soul. **Disclaimer: Please seek the medical advice of your general healthcare practitioner before making any changes to your diet or health regimen. The statements made on this show do not represent the opinions of the platform host and are not meant to substitute for any medical advice from your general health practitioner to treat, diagnose, or cure any health conditions.**  Marlisa Brown MS, RDN, CDE,CDN, Pronounced (Mar Lisa) Registered Dietitian, Certified Diabetes Educator, Chef and Author of 6 books. Marlisa serves as president of Total Wellness for 27 years a private nutritional consulting company in Deer Park New York where she has provided nutritional counseling to over 30,000 patients. Marlisa is a professional member of The National Speakers Association and has given hundreds of presentations. Some of her clients include: The NY Jets, Kennedy Space Center, Hofstra University, Guardian Life, Brookhaven National Labs, Goldman Sachs, Dean Witter, Prudential Securities, Liz Claiborne, Ethicon and more. Marlisa serves as a spokesperson for The Association of Diabetes Care & Education Specialists and is a past president of The New York State Academy of Nutrition and Dietetics. Marlisa has received many awards, including diabetes educator of the year, dietitian of the year, emerging dietetic leader and community service award. In addition she has been featured on cooking shows including 5 years for The American Heart Association Cooking Show. Marlisa has also developed many programs for, Richard Simmons', Kathy Smith', Dr Vincent Pedro and Jorge Cruise. To connect with her, please go to https://m.facebook.com/dietingdietitian/  ***********************************  Now lovely lattes can leave a message with any questions or prayer requests

  In this episode, Manny Vargas is going to talk about how to communicate with more confidence, clarity, and credibility with 3 takeaways he learned by virtue of the movie, The Pursuit of Happyness. Communication can happen in a very direct and indirect way and with moment to seize the opportunity, so let’s seize that moment with these 3 takeways..   Manny shares some very clear examples from the movie scenes and how they apply to us as students of communication.   With that, here’s what you’ll learn in today’s episode:   First, he starts with the scene inside of the Dean Witter boardroom where Chris Gardner gets his chance to interview for the upcoming internship. Through a combination of steps, Chris was able to walk out with an opportunity he could only imagine because of this communication approach he launched. He talks about how to communicate with honesty..   Second, is being ready to seize the opportunity, but without a few critical nonverbal approaches used in practice, Chris doesn’t set himself up to be in the best possible position to earn a seat at the table, with this topic Manny dives into the power of demonstration with communication..   Lastly, Manny opens up again about the importance of the conversation between the ears and how this was applied to Chris’ situation in the movie to lead him forward in an ever adversity driven happiness pursuit..from meeting with CEO’s to prospects, to securing top accounts, learn how Manny brings out the best in this third takeaway from the movie..   Other Episodes for Tips to Communicate with more Confidence, Clarity, Credibility   3 Keys to Communicate Effectively with People https://youtu.be/UZZ36fhdm3w​   Communication Skills - 1 Mindset Shift https://youtu.be/zDhU5HhDXqc​   Why Your Communication Skills Are Suffering - 3 Reasons https://youtu.be/xkqXIGms8lo​   SUBSCRIBE to ‘Always on the GROW’ and continue learning How to Communicate with More Confidence, Clarity, and Credibility!      

As a speaker and writer on all stages of entrepreneurship from startup through growth, exiting and reinvention, Barbara's work builds on her personal experience as a Wall Street executive, serial entrepreneur and Entrepreneur in Residence at Columbia Business School and Hofstra University. Trained as an economist, Barbara began her career on Wall Street, where she became one of the first women on the board of Dean Witter. She then became a serial entrepreneur and partnered with two families, transforming their companies for sale or merger as president: FPG International, now part of Getty Images; also, Acoustiguide, which is now Espro Acoustiguide. Acknowledging the recurring difficulty exits bring, after her exit from Acoustiguide, she studied the process of transition and renewal coaching at the Hudson Institute of Santa Barbara and the art of facilitation and mediation. She then became NY chair of Tiger 21 and the Women Presidents Organization. Barbara's work in education includes, founder of the Columbia Business School summer start up program, adjunct professor, and Entrepreneur in Residence at Columbia Business School and Hofstra University. An advocate for entrepreneurs, privately help businesses and farmers, Barbara served as Chair of the Federal Reserve Bank of New York's Business and Agricultural Advisory Board, on the board of the 14th Street Local Development Corporation and as a long-time member of the Suffolk County, NY Planning Commission. She has also helped launch and lead numerous organizations active in the promotion of economic development of women. Barbara is the lead author of two Columbia Business School whitepapers, Life after an Exit: How Entrepreneurs Transition to the Next Stage and The Owner's Journey: Experiences shared and lessons learned from entrepreneurs who successfully sold or transferred their businesses to family members. Barbara works as a consultant, coach and board member for privately held companies. She lives and works in Sag Harbor and New York, NY.

Bob Potter is the managing principal of RA Potter Advisors LLC, a marketing and sales strategy consulting practice for financial and professional service providers. He is the author of two books on the subject and his articles have appeared in dozens of magazines and newspapers. He is also the developer of the Third Level Selling and Third Level Service Excellence training programs. Bob spent 35 years in business development for IBM, McGraw-Hill, Dean Witter and MBIA. He has opened new markets in the U.S., Mexico, Australia and Asia. In 2000 he sold a successful services firm and started RA Potter Advisors to help other services professional win and retain clients. Bob received his B.A. degree from Santa Clara University and his M.B.A from UC Berkeley. He lives in San Anselmo, CA. http://www.rapotter.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Stan Haithcock also known as “Stan The Annuity Man' is a nationally recognized expert who is known for his transparency, honesty and endless research. He has spoken in every major financial trade show in the United States and is a featured annuity expert on national TV and radio.   Having worked for some of the largest firms in the United States, such as Morgan Stanley and Dean Witter just to name a few, Stan took some time away and during that time he discovered his love for annuity.  He represents all major carriers licensed in all 50 states and is considered the top annuity agent in the country.Listen in as they discuss:The history of annuityTypes of annuitiesHow annuity differs from stocks and bondsThe pros and cons of annuitiesWho needs annuityWhere annuity fits in someone's portfolio The benefit proposition that sets annuities apart from all other financial products is that annuities are the only product type that provides a lifetime income stream regardless of how long you live.~ Stan HaithcockTIP OF THE WEEK:Mark: My tip of the week is do a deep dive into the world of annuities, and start looking at solutions for long term pension, protecting your family and children, just go to stantheannuityman.com.Scott: Check out gf.dev/wordpress-security-scanner; it will scan your website and it will tell you what all the vulnerabilities are. It's like an eye out for you.Stan: I'm going to send all of your listeners my seven published books for free if they're going to go to Stan the Annuity Man on YouTube.Isn't it time to create passive income so you can work where you want, when you want and with whomever you want?

Michael & Jonathan are joined by Christopher Cruden, manager of Insch Kintore. Mr. Cruden is one of the leading international FX currency traders who brings over 40 years of currency and currency trading experience.. ABOUT CHRISTOPHER CRUDEN Mr. Cruden began his business career in South Africa as a gold analyst in 1980. In 1983 he joined Dean Witter, Reynolds Inc. in New York and became involved with the nascent Managed Future Industry and the Alternative Investment Industry. In 1988 he became a Director of AHL Asset Management Ltd in London, one of the world's first truly systematic CTA's. After the sale of this firm to Man International in 1990, he became Head of Managed Futures and Options for a major U.S. investment bank in London. He became Managing Director of Tamiso & Co. LLC in New York during 1993. At Tamiso he was responsible for FX investment products, research and trading. He substantially enlarged the firm's involvement in algorithmic FX trading. In 1999 Tamiso and Man International established a joint venture based upon the FX trading system of Tamiso. Between 2000 and the present, he has originated and developed a number of FX based trading strategies utilizing a unique, matrix-based approach to investment founded upon risk equivalency. – Including the Insch Kintore strategy. He has been actively involved in the research and development of algorithmic trading strategies for over 30 years. Over the last 30 years he has worked alongside Rudolf Wolff Ltd on a number of investment strategies and structures. He has also worked closely with the Investment Adviser in London for the past 3 years. He attended The Royal Military Academy, Sandhurst in 1975 and was commissioned into the 1st Bn The Gordon Highlanders. ABOUT INSCH KINTORE http://www.inschkintore.com/ The Insch Kintore strategy is a fully disciplined and entirely systematic trading program that trades gold (as a currency) versus G7 currencies. The program is “trend following” in nature and fully automated in terms of trade implementation and execution. Buy and sell signals are generated from price breakouts, volatility and other proprietary signals. The strategy has achieved exceptionally attractive levels of investment performance with consistent alpha, alongside non-correlated downside deviation when compared with traditional investments. Due to the portfolio and the instrument traded (XAU/G7 as FX cross rates), Insch Kintore offers extreme transparency and liquidity. It also offers: Outperformance over equity markets, fixed income markets and gold Real diversification from equity, fixed income and precious metals Crisis risk offset for a traditional portfolio This best-in-class strategy won the 2016 EuroHedge Award for Best Managed Futures Performance under $500m, the 2017 CTA Intelligence Award for Long Term Performance Under $500m and the 2017 HFR Review Best Managed Futures/CTA Award. ABOUT DIGITAL DOLLAR SUBSCRIBE TO THE EMAIL INBOX UPDATES! https://digitaldollar.substack.com For more information about our sponsor, visit https://10xts.com Follow us on Twitter --- Send in a voice message: https://anchor.fm/digitaldollar/message

Stan The Annuity Man is nationally recognized as the top independent annuity agent in the United States and has been called “America's Annuity Agent.” Licensed in all 50 states, his “Will Do, Not Might Do” contractual guarantees-only mantra sets him apart in the annuity industry. With over 3 decades of financial experience, while previously working at Dean Witter, Morgan Stanley, Paine Webber, and UBS, Stan The Annuity Man understands markets and investments and knows how annuities can properly fit in a portfolio.   Stan has published 7 books on annuities, writes weekly columns for national financial media outlets, publishes a new educational video to his Stan The Annuity Man YouTube channel on a daily basis, oversees TheAnnuityMan.blog, and hosts The Annuity Man Podcast every week on all major platforms. Without question, Stan The Annuity Man is not only the top annuity agent, but the #1 annuity educator and annuity content originator on the planet.   Stan The Annuity Man has been a keynote speaker at almost every major financial trade show and for many top financial organizations. His brutally factual approach to explaining the truth about annuities to consumers will add value to your podcast and be an informational and educational gift to your listeners. During this show we discuss: All about annuity and how to know if it's for you What happens when you annuitize 5 dangerous mistakes that annuity shoppers make How you can easily spot an empty annuity pitch When you should not buy an annuity When you need to buy an annuity Some economic factors that affect annuity you should consider before buying an annuity How to know the right one (annuity) for you Avoidable annuity charges I need to know that your agent may not tell you about What to consider when switching between annuities 5 annuity strategies that can combat low interest rates How to get past a “deceptive” but convincing annuity sales pitch The most important question to ask before accepting an annuity offer About index annuity 3 pros and cons of an indexed annuity About an annuity carrier Annuity IRA strategies you may consider when retiring or about to retire And much more…

“It’s a marathon, not a sprint” describes the investment time horizon of Tweedy, Browne’s senior portfolio managers William Browne and John Spears. Wall Street is haunted by the ghosts of brokerage firms past. Names such as Dean Witter, Kidder Peabody, PaineWebber, and Smith Barney were thriving independents. No more! Even the Merrill Lynch name is being gradually erased by parent company Bank of America. There is one old-line firm still standing however with an impeccable investment pedigree that is carrying on its deep-rooted value traditions. It is Tweedy, Browne Company Although they are both traditional long-term value investors there is nothing old fashioned about their performance. Buffett’s partner Charlie Munger once described Tweedy Browne as “…absolute spiritual descendants of Ben Graham… they are like Buddhists or Tibetan monks who absolutely bought into the catechism.” Classic value investing – delivering modern outperformance. In a WEALTHTRACK exclusive, Tweedy, Browne’s senior portfolio managers explain their Ben Graham/Warren Buffett approach. WEALTHTRACK #1552 broadcast on June 14, 2019. https://wealthtrack.com/the-culture-of-value-investing-from-ben-grahams-warren-buffetts-former-brokerage-firm/ --- Support this podcast: https://anchor.fm/wealthtrack/support

A lot of people put their career first over everything else for a long period of time, and there are consequences to that. Doug Robinson always wanted to have a more balanced life between work, family and community, and so when an opportunity presented itself, he made the choice to move to Colorado to have a shot at it. Gathering the right people, he formed a successful organization and started his own firm. He is now the managing partner of Dry Fly Capital, a private equity firm casting vision for legacy business operations to expand into growth. Doug talks about the tradeoffs of creating your own firm, closing transactions, bringing companies to market, the culture, vision, and core principles of his firm, and more. — Watch the episode: Listen to the podcast here: Transitioning Into Running Your Own Firm with Doug Robinson We have Doug Robinson as our guest. He’s the Managing Partner of Dry Fly Capital (https://www.dryflycap.com/) . He’s an adjunct professor of Finance at the University of Colorado Boulder and he is a former candidate for the Governor of the State of Colorado. Doug, you have a deep and varied background. Let’s dive into your background and talk about the journey. I’m a father of five and married to the same woman for many years. The kids turned out okay. Our oldest is 28. The youngest is a junior in high school. We have one at home still. That’s what I’m most proud of. Along the way, I’ve done a lot of things. I’ve been an entrepreneur. I started businesses. I’ve managed larger companies. I ran for political office. Now, we have an independent private equity firm and we have four portfolio companies. It looks like we’re about to have a fifth. We have purchased companies and installed management and running those companies as well. I’ve had a great life. I was born in Michigan. I got to New York out of college. I spent several years in New York and many years in Colorado. When you came out of college, what was your skill set that you got in college that took you to New York City? I discovered along the way in college that I liked numbers. I liked finance. I had an internship on the bond desk at First Interstate Bank in Los Angeles. I interviewed and found a way to get back to New York and took a job as an investment banker, as an analyst at Dean Witter in 2 World Trade Center. I didn’t realize at the time I was signing up for about 80 to 90-hour average weeks. That was quite an education. As a credit analyst in the bond market, those guys go deep in the balance sheets to make sure the credit quality is sorted out. I think more about a company from their balance sheet than perhaps the equity side does, in my opinion. The balance sheet tells you everything. Balance sheet, cashflow, income statement, that’s usually where people start. That’s the least important of the three statements, but they’re all important. You were at Dean Witter, which is no longer with us. Dean Witter is now part of Morgan Stanley. I went back to business school. I went to Columbia Business School in New York with an emphasis on finance. I came out and joined a media company in their corporate development group, Maxwell Macmillan, Macmillan Publishing. I was on a team where we brought 23 companies over a couple of years span. I was recruited and I joined a firm called Hambrecht & Quist, which was an early underwriter taking companies public technology companies based in San Francisco. I was in New York. There were lots of travel back and forth, but we were doing IPOs primarily for emerging internet and technology companies along the way. I was traveling so much my wife said, “Is this what we signed up for?” You were married to her these days? I was married. We just had our third child. Out of the blue, I had a new assignment in Colorado. I’d lived in Colorado as a kid for a couple of years. My wife grew up...

Bob Potter is the managing principal of RA Potter Advisors LLC, a marketing and sales strategy consulting practice for financial and professional service providers. He is the author of two books on the subject and his articles have appeared in dozens of magazines and newspapers. He is also the developer of the Third Level Selling and Third Level Service Excellence training programs. Bob spent 35 years in business development for IBM, McGraw-Hill, Dean Witter and MBIA. He has opened new markets in the U.S., Mexico, Australia and Asia. In 2000 he sold a successful services firm and started RA Potter Advisors to help other services professional win and retain clients. Bob received his B.A. degree from Santa Clara University and his M.B.A from UC Berkeley. He lives in San Anselmo, CA. http://www.rapotter.com

Join Jonathan Krueger as he interviews Tim Kneen, Founder of Lumina Consulting.   IN THIS EPISODE:   On today’s show we will be talking to Tim Kneen, Founder of Lumina Consulting.   During this episode you’ll hear: How the financial services industry has struggled to develop innovative retirement-income solutions. What Adaptive Wealth Management means. The recurring theme and the key to retirement-income solutions. Adaptive distribution ideas utilized in the market environment we see today. Why during the distribution or income stage of one’s financial life should they NOT over-focus on inflation. How the market correction impacts someone in retirement and how AWM works to mitigate these types of corrections. Fees, fees and more about fees.   Opinions expressed on this program do not necessarily reflect those of LionsGate Advisors. The topics discussed, and opinions given are not intended to address the specific needs of any listener. LionsGate Advisors does not offer legal or tax advice, listeners are encouraged to discuss their financial needs with the appropriate professional regarding your individual circumstance.     RESOURCES:   Tim began providing financial consulting services to institutional investors and select families over 30 years ago. He began at Dean Witter and became one of the youngest Vice President’s in its history. He went to enjoy a 20+ year career with Citigroup, where he became a Director with Citi Institutional Consulting. Just before Citigroup became owned primarily by the US Government, United Bank of Switzerland recruited he and his team to join. He later founded IFAM Capital, a firm started with his longtime partner Clayton Hartman from Citigroup and UBS and grew that firm into one of top 100 Registered Advisory Firms/Wealth Management firms in the country as measured by Fidelity. During those years Tim helped develop the investment methodology’s, created the “Known Return” portfolio, and lead business development. At his retirement IFAM was billing in excess of $10 million in annual revenue and was managing well over a billion dollars. His experience is unique in that few firms of this size have accomplished the “triple crown” successfully. Moving between wire-house firms, from a wire-house to an independence, and then successfully transitioned that firm to the next generation of advisors within the firm. He has grown a firm from a few hundred thousand in annual revenue to over $10 million using both organic and acquisition related growth. He was at the forefront of building unique income sources away from traditional wealth management and being able to look outside the box for solutions. Few advisors have this “Real Life Experience.”   While at IFAM, Tim and his team have received numerous awards. He was elected President of the Association of Professional Investment Consultants (APIC), and has served on the association’s chair of both the Research and Evaluation and Conference Committees. He has been awarded the associations highest honor, the Tom Gorman Award, to acknowledge his service to the industry. Tim was also awarded the prestigious “40 Under 40 Award” by the Denver Business Journal, naming him as one of the top 40 young entrepreneurs in the Rocky Mountain Region. He is recognized as one of the “Top 100 Consultants in America” in Barron’s, #1 Consultant in Colorado by the Denver Business Journal, “Top 1,000 Advisors” by Barron’s, NABCAP Premier Advisor for Financial Planning and as one of the top Consultants by Research magazine. Tim is a regular speaker at national conferences, a published author and is regularly interviewed in the media on the economy and investment topics.   Tim’s experience working outside of financial services is likely behind his success in working inside financial services. Tim has been quoted saying, “Until you as an advisor have truly sat in the same chair as your client how can you understand what is best? How do you advise them on how to develop or manage their business, sell or transition their business, unless you have done the same? Tim has started five companies, taken a company public and sold the other companies to both synergistic and financial buyers. He has been a successful real estate developer, as well as business owner of manufacturing, sales and marketing and distribution companies. He has owned/managed in industries as diverse as scrap metal, to golf to fashion. This “Real Life” experience gives him the background to be able to consult to business owners from many walks of life about how to grow their companies, whether or not to seek monetization of their life's work and if so how, as well as working with Family Offices in managing the transition of wealth and knowledge to the next generations.   Today Tim continues to share these “Real Life” experiences with other entrepreneurs across the country through private consulting and speaking engagements with his firm Lumina Consulting.   Tim completed his undergraduate work at the University of Denver. He is involved with his church, as well as with several local and national charities. He has co-founded and chaired events, including the Red Lady Ball, the Denver Victims Rock and Roll, Sunrise Africa, SaddleUp! Foundation and many other events. Tim enjoys golf, skiing, tennis and mountain climbing, among many other sports. Tim is married with two children and resides at Colorado Golf Club.  

www.cynthiapasquella.com http://transformationalnutrition.com   Transformational Nutrition http://learntruehealth.com/transformational-nutrition/ Transformational nutrition teaches us that having optimal health is not just about food. We need to create a more significant conversation for health because food alone won’t fix us. We’re in for such a treat today because Cynthia Pasquella-Garcia teaches the psychology and spirituality of transformation and health. You’ll get to learn how to have a more vibrant life with transformational nutrition. Through The Darkness Cynthia Pasquella-Garcia shares that one time when she was speaking at a women’s conference. She talked about transformation, health, and weight loss as well as how to empower yourself, take control of life and health as a woman. When it was time to have the audience ask questions, a woman asked her how to get through all of the darkness. Another woman openly voiced her doubts about whether Cynthia Pasquella-Garcia could adequately answer the question since she seemed to have such a good life. But nothing could be farther from the truth. Cynthia Pasquella-Garcia’s whole life had been a struggle because she grew up in extreme poverty, drug abuse, alcohol abuse, and domestic abuse. She was also sexually abused when she was six years old. So, in reality, Cynthia Pasquella-Garcia lived a life that required her to be a survivor. Hitting Rock Bottom That’s not all. Cynthia Pasquella-Garcia also tried to kill herself by overdosing on pills years ago. She was so sick, had chronic fatigue, was 25 lbs. overweight, had severe acne, memory loss, and brain fog. Naturally, Cynthia Pasquella-Garcia was in no condition to work, so she was broke. It didn’t help that she didn’t have family nor many close friends. She recalls living in a constant state of fear and panic. And although she tried many things, nothing helped. One day, Cynthia Pasquella-Garcia decided to pull herself up. Taking a shower, she discovered lumps on her breasts, hence hit rock bottom that day. She again felt utterly broken. So she still thought of suicide, suffered from depression and mental health issues. She felt so sick of fighting. “But I heard this voice, and it was my wake call. That voice said, “This hasn’t happened to you. It’s happened to you.” I then realized these things were supposed to be happening for me. Because I realized that at that moment, greatness was my birthright,” said Cynthia Pasquella-Garcia.  Investing In Herself Cynthia Pasquella-Garcia ended up signing up for a nutrition certification program when she decided to invest in herself. She went on to other school and training programs. And as her health improved, she slowly began to work with clients. “It’s not just about the food. The food alone will never heal us. There are reasons behind why we know what to do, and yet we still won’t do it,” said Cynthia Pasquella-Garcia. “I also realized we have this deeper hunger. So, understand your spirituality and what you are hungry for.”  She adds, “I started understanding the spiritual connection, relationships and heart connection was so important to healing. That’s when I started to see true transformation.”  Developing Transformational Nutrition From that period, good things started to unfold. Cynthia Pasquella-Garcia’s weight fell off, her skin cleared up, and the lumps in her breasts turned out to be fibers, not cancers. She also started to understand at a deeper level the root cause of her health issues and heart issues. Furthermore, remembering her deal with God, Cynthia Pasquella-Garcia got to work and started helping other people. Combining the science of nutrition with the psychology and spirituality nutrition, that’s where she created a method called transformational nutrition. Shortly after she created the transformational nutrition method, more people wanted to dive deeper into learning more about it.  So, Cynthia Pasquella-Garcia turned it into a more significant educational focus. She started a school and called it the Institute of Transformational Nutrition. Now, the school certifies people to become transformational nutrition coaches. How To Begin Your Transformation First of all, Cynthia Pasquella-Garcia says you have to understand what you are and why you are that way. Because ultimately, when you know, you’ll automatically transform into who you’re always meant to be. It’s only then can you step into your power.  “I like to ask people what they are hungry for. And what we’re all hungry for in the end is validation and acceptance for who we are. Usually, we are trying to be a version of ourselves that we think other people want. So we end up pretending our entire lives,” explains Cynthia Pasquella-Garcia.  She adds, “We are compromising who we are and what we want, as well as the things that truly make us happy. You don’t have transformation if you don’t experience some biological change, some spiritual change, and some psychological change. You have to develop a deeper understanding and a deeper truth that you can truly embody before you truly heal.” Ultimately, Cynthia Pasquella-Garcia says it’s really about getting out of your head and into your heart. She says we tend to be logical, but that’s not the way we work. Instead, we make all of our decisions based on emotions and then we use logic to back it up. Understanding Emotions Cynthia Pasquella-Garcia shares that in reality, emotions only last for 90 seconds. Because the thing that makes it last longer are the stories that you keep replaying in your head about the experience. “A belief is made up of three things. It’s the event that happened, the emotion that you felt and the explanation that you gave it,” said Cynthia Pasquella-Garcia. “So when you are feeling these emotions, go back to the explanations that you gave it. I think we have to remember if we want to be understood, we need to understand.”  How We Deal With Negativity As humans, Cynthia Pasquella-Garcia says we have this thing called negativity bias. It’s when we hear something negative, we latch on to it and see that as the truth. We then spend the rest of our lives searching for evidence that the belief is true. “It’s just the way we’re built. And it’s designed to protect us. It is designed to show us our flaws. So just let it go and stop beating yourself up,” advises Cynthia Pasquella-Garcia.  She adds, “We are just hardwired to pay more attention to negative information than positive information. Then it goes back to the most basic need which is just survival. When there has been extreme trauma in a person’s life, they can block the memory out, and the brain won’t remember.” Blocking The Trauma Our brain is indeed a very powerful organ. Cynthia Pasquella-Garcia personally witnessed it when her sister did not remember having a child after a car accident, and her child passed away. “The body’s number one goal is to stay alive. And the brain knows that. So, if the brain knows something that the body can’t handle, it just blocks it out. And you won’t remember it,” Cynthia Pasquella-Garcia said. Essentially, Cynthia Pasquella-Garcia says you have to understand what’s going on in your mind and your spirit if you genuinely want to heal. Because it is very powerful. “See what serves you, and always look within yourself for that truth. But if you don’t ever live your truth, you’re always going to be imprisoned by other people’s opinions. You will always be hungry for that one thing you don’t have.” Numbing The Pain When you numb pain, you numb joy. Cynthia Pasquella-Garcia says when you are numbing that past that caused trauma and the fear you felt from that, you’re numbing happiness and bliss.  So mostly, you’re taking away all of your power and giving it to the past, and that’s not okay. “You’ll never be able to fill those void with anything other than what’s missing in the first place,” said Cynthia Pasquella-Garcia. “Food is so acceptable. So is the glorification of wine and drinking especially for moms and entrepreneurs. Because it is socially acceptable. We have to be willing to get back into the driver’s seat of our own life.”  She adds, “We’re here because we follow the status quo. But the real reason why we’re here is because we gave up our power. It’s time to do something different and time to start understanding. Furthermore, it’s a time to reconnect with who you are and a time to share and understand.” Transformational Nutrition Website If you wish to get on that road to begin transformational nutrition, check out Cynthia Pasquella-Garcia’s website for more information. The site is filled with tools that and indeed help you become the best version of you and help others to achieve the same.  Bio Cynthia Pasquella-Garcia is a celebrity nutritionist, transformation expert, best-selling author, in-demand speaker, TV and media personality, and philanthropist. She is the Founder and CEO of the Institute of Transformational Nutrition (ITN), a company that makes it easy for health coaches to do the work they love by teaching them a proven coaching process that leaves them confident and credible so they can be the dominant force in the world that they want to be.  Cynthia Pasquella-Garcia is the author of the popular weight loss and transformation program, PINK Method, and the popular cookbook for your body and your life, The Hungry Hottie Cookbook. These two books have collectively sold over a million copies worldwide.  Cynthia Pasquella-Garcia is currently working on her third book, a self-help memoir. She’s the creator of the web show, “What You’re REALLY Hungry For,” a series that features the world’s leading experts including top athletes, authors, coaches, spiritual leaders, artists, and entrepreneurs, who uncover the secrets of what people are genuinely craving, so they can finally begin to fill the void created by their inner needs, wants, dreams, and deepest desires.  Cynthia Pasquella-Garcia is also the creator of the Transformational Trauma Technique – a technique that she developed to overcome the trauma in her past and to help her clients overcome it in theirs. This powerful technique has been used successfully for over a decade all over the globe and is taught exclusively at ITN.  She has over 15 years of experience coaching thousands of private clients ranging from the stay at home moms to celebrities and Fortune 500 CEOs. Her corporate clients have included Morgan Stanley, Kodak, and Dean Witter, Discover & Co. She has helped people transform not just their bodies and their health but also their relationships and their businesses.  Cynthia Pasquella-Garcia is a leader and an inspiration born of her personal history. She is happily married, has two children, and lives in Los Angeles and Portland. Get Connected With Cynthia Pasquella-Garcia! Cynthia Pasquella-Garcia Website Transformational Nutrition Facebook Twitter Instagram ************************************ Need Help Ordering The Right Supplements For You? Visit TakeYourSupplements.com, and a FREE health coach will help you! http://takeyoursupplements.com ************************************ Learn How To Achieve Optimal Health From Naturopathic Doctors! Get Learn True Health's Seven-Day Course For FREE! 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Mitchell M. Merin   Mitch spent the majority of his career on Wall Street, holding senior management positions at securities and asset management firms that ranked among the world’s largest. At the time of his retirement in 2005, Mitch led Morgan Stanley Investment Management (MSIM), one of the world's top 20 investment management businesses. He also served on the Management Committee of Morgan Stanley. During his tenure as Head of MSIM, Mitch led the combination of a variety of disparate businesses into a single, integrated investment management business; increased assets under management; and enhanced the profitability of the business. His most challenging task came after the destruction of the headquarters of the individual investor business in the attacks on the World Trade Center. Born in Hartford, Connecticut, Mitch attended Trinity College where he received a bachelor’s degree in economics, and then Northwestern University receiving an MBA in finance and accounting. After graduating from Northwestern in 1977, he joined the Chicago office of Touche Ross & Co, and on his first day was assigned to the firm's largest audit client: Sears, Roebuck and Co. In May of 1981, Mitch joined Sears as a manager of financial analysis. He led the financial team that provided the analysis to support the Sears acquisitions of Dean Witter Reynolds and Coldwell Banker. As Director of Corporate Finance, he worked on the development of the first public offering of securitized credit card receivables and served on the team that divested Sears operations in Latin America and Spain. Mitch began his securities industry career with Dean Witter in 1986 as Senior Vice President and Group Treasurer, where he continued the effort he initiated at Sears to develop the funding structure of the Discover Card. In 1994, he was named Executive Vice President and Chief Administrative Officer of this new public company. His role included corporate strategy, and in the fall of 1994 Mitch was asked to develop the strategy and identify companies to transform Dean Witter from a domestic retail securities, asset management and credit card business, to a global firm participating in both retail and institutional markets. The development of the strategy culminated in 1997 with the merger of  Dean Witter, Discover & Co. and Morgan Stanley. Mitch was Co-Head of the merger transition team, leading the Dean Witter portion of the effort. Immediately after the merger, he served as President and CEO of Morgan Stanley Dean Witter Advisors, the Firm's proprietary asset management business serving individual investors Since his retirement in 2005, Mitch has been a director of both public and private companies. He served on the board of Sun Life Financial, one of Canada’s leading financial services companies, chairing the Governance, Nominating and Investment Oversight Committee. Mitch now serves as an Independent trustee of the JP Morgan Mutual Funds and chairs the Fixed Income Investment Committee of the JP Morgan mutual fund board.

Forex Reversal Trader Habits, Mindset & Strategies – Show Notes In episode 117 of the Desire To Trade Podcast, I interview Dale Pinkert, a Forex trader & host/mediator at Forex Analytix Community Experience (F.A.C.E.). He came on the podcast to share his story as a Forex reversal trader. We jump into habits, mindset, and strategies that are essential to succeed in the Forex market. Topics Covered In This Episode The power of "social trading" and how you can use it to trade better 5:45 A powerful way to trade (knowing how to take the losses) 8:10 A piece of advice on not following too many instruments 11:20 How Dale Pinkert started to trade 11:40 How Dale learned trading 13:40 Wisdom on partial profits & stop losses 16:45 How Dale uses the RSI to trade 19:45 How to incorporate multiple time frames into your trading 22:45 How Dale develop his trading strategy (who taught him) 23:50 Some trading strategy ideas 26:00 How Dale plans his trades on the weekend 30:00 Morning routine (including waking up at 3:30am) 31:05 One thing Dale Pinkert still struggles with & how he solves it 32:30 How Dale confirmed his edge in the market (without backtesting) 37:00 Can you trade for a living with $10k? 40:20  What Dale thinks of "educators that don't trade" 41:40 The #1 tactic to remain consistent over a long period of time 45:00 More About Dale Pinkert Dale began his career in operations on the CME floor for Dean Witter when they traded currency futures on chalkboards. He became a licensed Series 3 broker in 1976 and went on to own and operate Pinkert Commodities GIB. He became a Member of the CME (IOM) Division for a stint and his forecasts have been aired on many Financial media including CNBC. Dale has Coached/Mentored retail and prop traders and has gained a solid reputation for his work on the other side of the mic having interviewed over 700 of the best of the best in Trading.   DesireToTRADE Top Resources DesireToTRADE Forex Trader Community (free group!) Complete Price Action Strategy Checklist (free checklist!) One-Page Trading Plan (free template!) DesireToTRADE Academy How To Find Dale Pinkert? ForexAnalytix LinkedIn Twitter What is one thing you are going to implement after listening to this podcast episode? Leave a comment below, or join me in the Facebook group!

Berny Dohrmann founded CEO Space International more than 25 years ago. Mr. Dohrmann has embraced his vision for entrepreneurial collaboration by giving prospective business leaders the tools and education they need to succeed. Through the values of partnership and cooperation, CEO Space has been working to foster a new generation of enlightened business leaders around the world. Mr. Dohrmann uses his vast knowledge to upgrade CEOs today into educated, skilled leaders with higher global integrity standards. As CEO Space continues to grow into a force for future economic innovation, Mr. Dohrmann encourages anyone who is confident in their ideas and ability to grow constructively to discover how CEO Space can give them the tools they need to meet their full potential. Mr. Dohrmann is a radio show host, movie producer, frequent guest on national television and radio shows, and bestselling author. Raised as a fifth generation San Franciscan, Berny grew up when the Macy Building on Union Square was the Dohrmann Building dominating “the square” into the 1970’s. The Dohrmann family operated Dohrmann Hotel Supply; the largest global resort-outfitting firm now owned by Holiday Inn. The family also owned the Emporium store chain from the 1800’s, as one of the larger department store chains forging the history of the West Coast market place. Berny’s father, Alan Dohrmann, was a corporate trainer who was sought out by such notables as Napoleon Hill, Earl Nightingale, Walt Disney, Warner Earnhardt, John Hanley, Thomas Willhite, Bucky Fuller, Dr. Edward Deming and Jack Kennedy. Berny grew up with amazing mentors as one of nine children raised in Marin County California Mr. Dohrmann was mentored by the man who pioneered oil tanker funding in the 1960’s and 1970’s, George Witter of Dean Witter when the brokerage firm was a family owned San Franciscan firm, and Peter Ueberroth former commissioner of Major League Baseball, and currently Chairman of the Contrarian Group, Inc. In his first twenty years, Mr. Dohrmann was Chairman of a public institution heading up global investment firms, supervising thousands of licensed professionals operating in fourteen countries. Berny sold his firm to take care of his terminally ill father and later finished the brain research he and Berny started, thus creating a product known as Super Teaching. Super Teaching is showcased during CEO Space’s weeklong business growth conferences, 5 times a year. Mr. Dohrmann resides with his wife September and two children in the Tampa Bay area of Florida. Learn more about your ad choices. Visit megaphone.fm/adchoices

Douglas Goldstein shares practical steps about staying focused on the journey of hope. Douglas Goldstein, CFP®, Founder, Owner, Director  Doug began his career on Wall Street in 1992 at Dean Witter. After developing a successful practice in New York, Doug moved with his wife and family to Israel.  Doug is accredited by the Israel Securities Authority (ISA) as a licensed Israeli advisor and is also a licensed U.S. advisor. He holds the designations of Certified Financial Planner™, Registered Investment Advisor, and Trust and Estate Practitioner. He is a member of both the Financial Planning Association and of the Society of Trust and Estate Practitioners. Doug is frequently invited to give lectures as well as teach college courses on investing. He is often invited to comment on financial affairs on radio and TV and in local and international newspapers. He also serves as a trainer and consultant to banks in Israel. Doug’s advice appears weekly in The Jerusalem Post, and he hosts a weekly radio show, Goldstein on Gelt, about business and investing. He is the author of the book Building Wealth in Israel: A Guide to International Investments.

They were overwhelmed, and drifting apart. Life was a blur from day to day between owning a restaurant and managing a Dean Witter brokerage office. Billy and Akaisha Kaderli realized that it was time to make a change, so they booked a one-way ticket and re-invented their lives. It seemed crazy: they were only 38, far […]

Doug Goldstein has over 20 years in the financial planning and services industry, beginning his career on Wall Street in 1992 at Dean Witter. Doug is a Certified Financial Planner, registered Investment  Advisor, Trust and Estate Practitioner, and a licensed investment professional. Doug is the founder and director of Profile Investment Services, Ltd and hosts two podcasts on iTunes called Goldstein on Gelt and Rich As A King. Doug has authored numerous books on financial planning and building wealth and is co-author of Rich As A King: How the Wisdom of Chess Can Make You The Grandmaster of Investing. Doug is quoted in many publications such as The Wall Street Journal and Forbes, as well as guest lecturing on investment in colleges. Economic Themes: In this interview, Doug mentions and discusses: investment planning, stock markets, over-confidence, behavioral finance, loss aversion, prospect theory, personal finance, strategic finance, interest rates, bonds, risk, liquidity risk, hedge funds, Economists and Economic Schools: In this interview, Doug mentions: Terence Odean, Daniel Kahneman and Kenneth Rogoff. Find Out: about two women in Doug's life who smashed the glass ceiling in their respective careers. about the financial planning lessons Doug learned from his mother and grandmother. if women make better financial planners or investors than men. if trading markets more frequently leads to better returns. how the patience of chess playing is similar to the patience needed when planning your stock market trades. why the fear of losing results in investors making bad decisions. what you should do if you have a question about your business. how the concepts of improving your game in chess is the same as that of investment and financial planning. about the difference between short-term and long-term financial planning. how a game of chess is bounded unlike the uncertainties of a stock market and what you can do to manage these uncertainties. 'how the News causes you to Lose'. how goal-setting can get you out of the bottom of the socio-economic ladder. who Doug would be if he was a chess piece. and much much more. Visit www.economicrockstar.com to get access to the show notes and all the links referred to by Doug in this episode.

Our next guest was a British Army Officer and moved to South Africa before finding a career in the financial markets. He is now the CEO of his Managed Futures firm and has worked with some of the industry's most influential companies and people, including Dean Witter and AHL. The story of his career's beginnings and the lessons he used to become a systematic trend follower are unique and insightful. You're sure to learn a lot from this episode.-----EXCEPTIONAL RESOURCE: Find Out How to Build a Safer & Better Performing Portfolio using this FREE NEW Portfolio Builder ToolIn This Episode, You'll Learn:How Chris came to work with Dean Witter, one of the leading players in the industry back in the 1980's & 90's.About his days working for AHL in the early 90's.How his career started off as a British Army officer.His time in Africa after leaving the army – finding himself in Rhodesia (now Zimbabwe).About his first job at Syfrets Trust bank in South Africa as a Gold analyst.How he came to do business with Dean Witter Reynolds and after a few years why they hired him.After the 1988 crash he found himself back in London and joined AHL.In 1993 he went back to New York joined with Robert M Tamiso, a mentor to him.Why he looked for a market that was not overcrowded and easily spooked, which was the inter-bank foreign exchange market.What AHL was doing in the beginning of the company.Why he started trading currencies early on.How Bob Tamiso was successful and the way he carried himself that made him successful.Why Bob Tamiso's best advice was to always “show up”.About Chris' golf playing and his ties to Scotland.His routine at work and why being a systematic trader makes him boring and bad at marketing, but helps him sleep at night knowing they are going to “show up” the next day.About Chris' goal with his work and why he is happy with the size of his firm and why growth is not the prime focus.How he has such low staff turnover and why he likes to work with young people who have never worked anywhere else in the financial world.What matters when discussing a firm's track record and how his programs are setup.The building blocks of their trading program and how the money they've made has historically come mainly from interest rate differentials.What the environment has been like for a currency program in the last 5 years.Why he believes the current intervention by The Fed is not so substantially different that his model won't be able to see good returns in the futureHow he designed his program and what its objective is.What currencies he trades and how he trades them.Why volatility has been so low but why he sees that it is coming back and why it's a good thing for his models.-----ATTENTION TTU TRIBE : SIGN-UP for Rick Rule's Symposium: Once in a life-time natural resource insights from the BEST investors in the world via a first-class livestream or Live event!Resources & Links Mentioned in this Episode:Learn about Dean Witter.Get more information on AHL.For historical background, see this article on Rhodesia.Learn more...

Join Jason as he interviews Billy and Akaisha Kaderli about their powerful, practical, and substantive book, The Adventurer’s Guide to Early Retirement. Billy and Akaisha talk about why they retired at the age of 38 and discuss how others can do the same. Billy was a trained and certified French chef, having trained in The Celestial and La Masisonette restaurants in Cincinnati, Ohio.  Billy and Akaisha met and married in Santa Cruz, California, 33 years ago. They spent six months traveling Europe, pursuing Michelin Guide restaurants with the intention of buying a restaurant and incorporating the food, wine, and research they had gathered. In late 1979, they purchased Luther’s, a 43-seat restaurant in Santa Cruz, which they owned and operated for ten years. Dean Witter took a keen interest in Billy and recruited him for their brokerage firm, where Billy eventually became Vice President of investments and branch manager of the Aptos office.In 1989, they assessed their lives, their dreams, and their bank balance. They decided to make some bold choices and get on track to becoming early retirees. In January of 1991, at the age of 38, they retired and moved to Nevis, West Indies. From there, their perpetual gypsy lifestyle began, traveling through the West Indies, Venezuela, US, Canada, Mexico, and many nations in Asia. In 2005, they wrote the book, The Adventurer’s Guide to Early Retirement, A Common Sense Approach, which sold in 40 countries and is now in its 3rd edition.

Please click on the POD button to listen to the latest Atlanta Business Radio  show podcast broadcasting live each Wednesday at 10am EDT from Atlanta, GA, USA.   Atlanta Business Radio is sponsored by Fast Pitch! Networking - a one-stop shop for networking and marketing your business online and offline. Please go to their website www.fastpitchnetworking.com. When you sign up, please mention you were referred by Lee Kantor. That will help the show! Thanks. By the way Amy and I have our first Atlanta Fast Pitch Networking Event of 2008 at McCormick & Schmick's Seafood Restaurant - Dunwoody on January 16 2008 from 5pm-7pm. RSVP by CLICKING HEREHere's how to listen to the podcast of our show. First click on the title of the show you are interested in. Then there should be a player in the upper right hand corner of the screen. Now just press play and the show you chose should start playing. You can also download the show to listen on your mp3 player. We are now available on iTunes, click this link and you can find all our past shows. Press SUBSCRIBE and you will automatically get the latest show when you sync your iPod to your computer.Remember if you want a pretty comprehensive listing of all kinds of Atlanta Events including Business Networking events please check out www.AtlantaEvent.com.  This morning we had on Debbie Montgomery with DM Financial Planning. Debbie's well rounded financial background started when she was hired by Dean Witter to advise clients from her office inside a Sears  department store in the mall. As a testament to Debbie's skill, she still has some of those clients today. We spoke at length about some of the mistakes that baby boomers are making with their finances and she shared some tips on how to avoid them. She also had some advice for people who are managing their own money. She offers a Financial Tune-up for those people - where she gives her unbiased "second opinion." You can learn more about Debbie and her company at her website www.DMFinancialPlanning.com.Also if you know of a business in Atlanta that we should know about please email Amy Otto at Amy @ atlantabusinessradio.com and we will try and get them on the show.

Hello, Looking Forward listeners! Thanks for tuning in! On the next two episodes of Looking Forward, we're going to focus on annuity products. Here in Part 1, Episode #91, we'll learn about what annuities are, why you might find them suitable for your financial portfolio, some different types of annuities, recent annuity product trends, and COVID's impact on the annuity market.  In Part 2 we'll discuss a lot more, including what the future might look like for the annuity market… and what OPPORTUNITIES annuities might offer you as a savvy financial consumer.. or as a job or career seeker, investor, entrepreneur, or business owner. In addition, we'll get some great tips from our guest expert on how to go about buying an annuity..And who is that expert? Stan The Annuity Man®, a/k/a Stan Haithcock. Stan Haithcock is known as “America's Annuity Agent®” and the top independent annuity agent in the United States. Licensed in all 50 states, he is recognized as one of the top thought leaders in the annuity industry. He is the founder of The Annuity Man® LLC, with office locations in Florida and Nevada.Stan has published 7 books on the annuity topic and prides himself on being a consumer advocate for all things annuity. He represents all annuity companies and works with the life insurance/annuity industry to promote a “contractual-guarantees only” approach to educating the public.Stan The Annuity Man® has spoken at every major financial trade show in the United States and is a featured annuity expert guest on national TV, Radio, and Podcasts. With a financial background that includes some of the largest wirehouse organizations (past and present), such as Dean Witter, Morgan Stanley, Paine Webber, and UBS, Stan brings a financial background that most annuity consultants can't match.Stan currently resides in Ponte Vedra Beach, Florida with his wife Christine. He has 2 adult daughters...Brielle & Brenna.** If you enjoy this episode, please be sure to tell your family, friends, and other members of YOUR network about it… and encourage them to listen to it, too. Also, please give it a "like" and/or a good review.Looking Forward is THE podcast about global trends, OPPORTUNITIES, and the future, and how YOU might capitalize on those: Think... jobs, careers, business start-ups, ventures, investments, life enrichment.Guests are experts in their field, and most are C-suite executives, household names, authors, and/or from prestigious universities or similar organizations.Looking Forward is a great source for media outlets, podcast producers, telecom companies, audio publishers, etc. to include as part of their content. This is what MTN, the gigantic telecom company in Africa, will soon do.To discuss revenue-sharing opportunities to distribute our content-- which can be customized and reformatted to meet your needs and those of your target audience-- please contact us at www.jeff-ostroff.comLooking Forward also offers a smart and affordable way for advertisers to promote their products or services, especially given its positive spin and informative, entertaining, and wholesome content.For more information, or to inquire about Jeff's podcast creation and hosting services, B2B interviewing, voice acting, training, meeting facilitation or speaking services, please contact us atwww.jeff-ostroff.com You can also request to have Jeff appear on your show. He's informative, articulate, and engaging!

Hello, Looking Forward listeners! Thanks for tuning in! Today we're again going to shine the spotlight on a growing market in more ways than one: annuity products.  In Part 1, Episode #91, we learned about what annuities are, why you might find them suitable for your financial portfolio, some different types of annuities, recent annuity product trends, and COVID's impact on the annuity market.  Here in Part 2, Episode #92, we'll discuss a lot more, including what the future might look like for the annuity market… and what OPPORTUNITIES annuities might offer you as a savvy financial consumer, or as a job or career seeker, investor, entrepreneur, or business owner. In addition, we'll get some great tips--and hear about lots of resources-- that are available to help people determine if they need an annuity, and if they do, how to go about buying one..To help us with all this, we've again brought on our guest expert, Stan Haithcock. Stan Haithcock, a/k/a Stan The Annuity Man®, is known as “America's Annuity Agent®.”   He's the top independent annuity agent in the United States. Licensed in all 50 states, Stan is recognized as one of the top thought leaders in the annuity industry. He is the founder of The Annuity Man® LLC, with office locations in Florida and Nevada.Stan has published 7 books on the annuity topic and prides himself on being a consumer advocate for all things annuity. He represents all annuity companies and works with the life insurance/annuity industry to promote a “contractual-guarantees only” approach to educating the public.Stan The Annuity Man® has spoken at every major financial trade show in the United States and is a featured annuity expert guest on national TV, Radio, and Podcasts. With a financial background that includes some of the largest wirehouse organizations—past and present-- such as Dean Witter, Morgan Stanley, Paine Webber, and UBS, Stan brings a financial background that most annuity consultants can't match.He currently resides in Ponte Vedra Beach, Florida with his wife, Christine, and he has 2 adult daughters...Brielle & Brenna.** If you enjoy this episode, please be sure to tell your family, friends, and other members of YOUR network about it… and encourage them to listen to it, too. Also, please give it a "like" and/or a good review.Looking Forward is THE podcast about global trends, OPPORTUNITIES, and the future, and how YOU might capitalize on those: Think... jobs, careers, business start-ups, ventures, investments, life enrichment.Guests are experts in their field, and most are C-suite executives, household names, authors, and/or from prestigious universities or similar organizations.Looking Forward is a great source for media outlets, podcast producers, telecom companies, audio publishers, etc. to include as part of their content. This is what MTN, the gigantic telecom company in Africa, will soon do.To discuss revenue-sharing opportunities to distribute our content-- which can be customized and reformatted to meet your needs and those of your target audience-- please contact us at www.jeff-ostroff.comLooking Forward also offers a smart and affordable way for advertisers to promote their products or services, especially given its positive spin and informative, entertaining, and wholesome content.For more information, or to inquire about Jeff's podcast creation and hosting services, B2B interviewing, voice acting, training, meeting facilitation or speaking services, please contact us atwww.jeff-ostroff.com You can also request to have Jeff appear on your show. He's informative, articulate, and engaging!