Podcasts about fundsthe

UK's award-winning fund manager Simon Evan-Cook was a senior member of the Premier Miton Multi Asset team, which managed over $5B. He's now establishing the Downing Fox Fund Range at Downing LLP in London. In this episode, Simon and Stacy discuss:His backstory: from taking a load of jobs he disliked to discovering a love for writing, which brought him to the investment industryWhy the world would need another fund, let alone a fund of fundsThe power of nicheWhy you must be disagreeable to excelWhat role qualitative plays in his research processHis flexibly dogmatic approach to assessing a fundProof that authenticity works in asset managementAdvice for boutiques on their journeyMore About Simon Evan-CookSimon also writes on investment (and beyond), including a monthly column for Citywire Magazine and his investment blog on Medium.com. Outside of work, he enjoys spending time with his family and dog, devouring movies and books, and superficially damaging European golf courses. Resources mentioned in this episode:Book: Any Human Heart by William BoydBook: Range: Why Generalists Triumph in a Specialized World by David EpsteinArticle: Investors: The one thing separating excellent from competentArticle: Should you invest with Han Solo or C-3PO?Article: Should you invest with Indiana Jones?Article: Should you invest with Butch Cassidy & The Sundance Kid - - -Make The Boutique Investment Collective part of your Billion Dollar Backstory. Gain access to invaluable resources, expert coaches, and a supportive community of other boutique founders, fund managers, and investment pros. Join Havener Capital's exclusive membership

How is the shifting financial landscape affecting estate planning and wealth transfer between generations?In this captivating episode of the Capital Club podcast, host Brian engages with Anthony Venette, Director of Business Valuation & Advisory at DeJoy & Co. Anthony brings to the table his expertise in estate planning and business valuation, particularly focusing on optimizing gift and estate tax strategies for business owners. As the financial world grapples with demographic shifts and changing tax laws, Anthony sheds light on the critical intersection of income tax, estate tax, and business valuation, offering valuable insights into strategic wealth transfer across generations.[00:01 - 08:33] Introducing Anthony VenetteAnthony's role in business valuation and estate planningThe demographic shift impacting business and wealth transferThe importance of understanding the nexus between generations in estate planning[08:34 - 16:01] Navigating the Estate Tax LandscapeUpcoming changes in tax exemption and their impactStrategies for optimizing gift and estate tax planningThe importance of proactive planning in estate management[16:02 - 24:20] Advanced Estate Planning TechniquesThe use of carried interest in estate planningDifferences between European and American waterfall structures in fundsThe strategic benefits of early planning in estate tax optimization[24:21 - 32:12] The Role of Family Offices in Estate PlanningHow family offices can enhance wealth transfer strategiesThe significance of closely held business discounts and appreciation in estate planningThe impact of legal structures on wealth management[32:13 - 38:07] Carried Interest and Derivative SalesIn-depth exploration of carried interest and its role in estate planningUnderstanding the vertical slice rule and carried interest derivative salesThe need for expert guidance in complex estate planning scenariosKey Notes:"We sit at the nexus point between generations, facilitating that handshake from baby boomers to Gen X and millennials." - Anthony Venette"Estate planning isn't just about the numbers; it's about establishing and preserving legacy." -Anthony VenetteConnect with Anthony!Website: https://www.teamdejoy.com/contact-us LinkedIn: https://www.linkedin.com/in/anthonyvenettecpaabv/ This episode is sponsored by Mack International, a specialized executive search and human capital consulting firm serving the family office/wealth management markets. Please visit their website here for more information.Connect with me:https://www.linkedin.com/in/brian-c-adams/ (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 and Stay Tuned for the Next Episode COMING SOON!Hosted on Acast. See acast.com/privacy for more information. Hosted on Acast. See acast.com/privacy for more information.

How can embracing the digital age fundamentally transform traditional careers and the journey towards entrepreneurship? In this episode of Weiss Advice, Yonah delves into the remarkable journey of Michael Huseby, a visionary real estate investment attorney who leveraged the power of social media to redefine his career and establish his law firm. Through candid conversations, they explore the evolution of Michael's career, from traditional legal practices to pioneering in the digital space, his battle with a life-changing disease, and how these experiences shaped his approach to business, risk, and life itself. This episode is a testament to resilience, innovation, and the transformative potential of embracing change and technology.[00:01 - 05:16] The Digital CatalystMichael's strategic use of Twitter to grow his law practiceThe importance of social media in modern business developmentTransitioning from traditional law firm environments to entrepreneurship[05:17 - 10:32] Navigating Life's CurveballsMichael's personal journey with a progressive eye diseaseThe impact of personal challenges on professional decisionsEmbracing adversity to fuel determination and innovation[10:33 - 15:25] Building Bridges in Real EstateMichael's niche in real estate syndications and investment fundsThe significance of educating clients on complex legal mattersThe role of expertise in fostering client trust and business growth[15:26 - 20:45] Community and ConnectionThe value of in-person meetings fostered through online connectionsReal estate community dynamics on social media platformsBuilding a network of clients, business partners, and friends[20:46 - 29:25] Vision for the FutureStrategic planning in the face of uncertainty due to Michael's vision impairmentThe importance of creating a sustainable and adaptable business modelLeveraging digital platforms for continuous learning and community supportConnect with Michael:Twitter: https://twitter.com/investing_lawLinkedIn: https://www.linkedin.com/in/michael-bjorn-huseby/Instagram: www.instagram.com/commercial_in_nashville/?hl=enYouTube: https://www.youtube.com/@TheInvestmentsLawyerLEAVE A 5-STAR REVIEW by clicking this link.WHERE CAN I LEARN MORE?Be sure to follow me on the below platforms:Subscribe to the podcast on Apple, Spotify, Google, or Stitcher.LinkedInYoutubeExclusive Facebook Groupwww.yonahweiss.comNone of this could be possible without the awesome team at Buzzsprout. They make it easy to get your show listed on every major podcast platform.Tweetable Quotes:"Twitter fundamentally changed my life and the way I do business." - Michael Huseby"Everybody has their thing; it's about how you adapt and overcome." - Michael HusebySupport the show

In this episode of Your Investment Partners, hosts Paul and Garrett explore the various benefits of higher interest rates in the financial world. They delve into how these rates positively impact cash in bank accounts and retirement incomes, addressing the complexities and changing dynamics of financial planning and investment strategies. The episode provides a comprehensive view of how higher interest rates reshape investment decisions, tax implications, and savings options, offering valuable advice for both individual investors and retirees.Key Points From This EpisodeBenefits of earning interest income on savings and retirement fundsChallenges with banks and credit unions not matching market ratesImpact of higher interest rates on investment decisions, diversification, and emergency fundsThe impact of rising interest rates on emergency funds and investment choicesRecalibration of investment strategies due to higher interest ratesTax implications of increased interest incomeEvaluating municipal bonds as an attractive investment optionThe role of time horizon and risk tolerance in investment decisionsAdjusting investment preferences during retirement in response to higher interest ratesExploring the complexities of withdrawal rates in retirement planningWant to learn more? Contact us hereUseful LinksGarrett on LinkedInPaul on LinkedInAscend Investment Partners

When it comes to funding for cancer research, funding for childhood cancers is far behind what is spent on adult cancers. The Children's Cancer Research Fund focuses exclusively on supporting research that can have the biggest impact on ending children's cancers.On this week's Medical Alley Podcast episode, Jean Machart joins in studio to share more about the work of the Children's Cancer Research Fund. Jean is the Chief Operating Officer at CCRF and brings years of expertise working in various sectors of healthcare to her role. In this conversation, Jean and host Frank Jaskulke discuss:How CCRF goes about selecting the research it fundsThe important issue of survivorship as it relates to children's cancerThe future of AI and how it can be incorporated into CCRF's workTo learn more about the Children's Cancer Research Fund, go to childrenscancer.org.Follow Medical Alley on social media on LinkedIn, Facebook, Twitter and Instagram.

Sybil delves into Donor Advised Funds (DAFs) and Pooled Funds. DAFs have been gaining prominence recently, with a significant share of annual giving directed towards them. Sybil explains the three categories of DAFs and pooled funds, with examples and pros/cons for each type. She then shares the criticisms and the benefits of DAFs.Episode Highlights:The three categories of DAFs and pooled fundsThe criticisms of DAFsThe essential benefits DAF.Sybil Ackerman-Munson Bio:With over 20 years of experience as a nonprofit professional and foundation advisor, I work with philanthropic institutions and foundations interested in successful, high-impact grant-making so you can make a real and lasting positive contribution to the world on your terms.Links:Bank of America https://www.privatebank.bankofamerica.com/solutions/donor-advised-fund.htmlBridgespan https://www.bridgespan.org/our-services/helping-foundations-collaborate-with-other-fundersCharities Aid Foundation https://www.cafonline.org/my-personal-giving/long-term-givingFidelity Charitable https://www.fidelitycharitable.org Morgan Stanley https://www.morganstanley.com/campaigns/wealth-management/giftNational Christian Foundation https://www.ncfgiving.com/solutions/giving-fund National Philanthropic Trust https://www.nptrust.org/donor-advised-funds/open-daf-accountPew Charitable Trusts https://www.pewtrusts.org/enOregon Community Foundation* https://oregoncf.org/ways-to-give/choose-your-fund/donor-advised-fundResources Legacy Fund https://resourceslegacyfund.orgPanorama Global https://www.panoramaglobal.org/fundsShark Conservation Fund https://www.sharkconservationfund.org Vanguard https://www.vanguardcharitable.orgArticle by Drew Lindsay https://www.philanthropy.com/article/a-short-history-of-the-fast-and-furious-rise-of-dafsArticle by Helen Flanery https://inequality.org/great-divide/top-public-charitiesIf you enjoyed this episode, listen to these as well: https://www.doyourgood.com/blog/146-measuring-effectiveness-of-relationships-between-grantees-donorshttps://www.doyourgood.com/blog/46-tim-millerhttps://www.doyourgood.com/blog/144-how-to-measure-success-in-philanthropy Crack the Code: Sybil's Successful Guide to Philanthropy Become even better at what you do as Sybil teaches you the strategies as well as the tools you'll need to avoid mistakes and make a career out of philanthropy.Sybil offers resources that include special free short video mini-courses, templates, and key checklists, and words of advice summarized in easy-to-view PDFs. Check out Sybil's website with all the latest opportunities to learn from Sybil athttps://www.doyourgood.com Connect with Do Your Good https://www.facebook.com/doyourgood https://www.instagram.com/doyourgood Would you like to talk with Sybil directly? Send in your inquiries through her website https://www.doyourgood.com/ or you can email her directly at sybil@doyourgood.com!

UK's award-winning fund manager Simon Evan-Cook was a senior member of the Premier Miton Multi Asset team, which managed over $5B. He's now establishing the Downing Fox Fund Range at Downing LLP in London. In this episode, Simon and I discuss:His backstory: from taking a load of jobs he disliked to discovering a love for writing, which brought him to the investment industryWhy the world would need another fund, let alone a fund of fundsThe power of nicheWhy you must be disagreeable to excelWhat role qualitative plays in his research processHis flexibly dogmatic approach to assessing a fundProof that authenticity works in asset managementAdvice for boutiques on their journeyMore About Simon Evan-CookSimon also writes on investment (and beyond), including a monthly column for Citywire Magazine and his investment blog on Medium.com. Outside of work, he enjoys spending time with his family and dog, devouring movies and books, and superficially damaging European golf courses. Resources mentioned in this episode:Book: Any Human Heart by William BoydBook: Range: Why Generalists Triumph in a Specialized World by David EpsteinArticle: Investors: The one thing separating excellent from competentArticle: Should you invest with Han Solo or C-3PO?Article: Should you invest with Indiana Jones?Article: Should you invest with Butch Cassidy & The Sundance Kid - - - Thank you to our Billion Dollar Backstory podcast sponsor: Ultimus Fund Solutions. You want to launch an interval fund (but don't know where to start). Ultimus has your back. Their in-depth guide answers your real questions. 

Retirement planning is something best started early on. The more time you give yourself to invest, the faster your accounts can grow, giving you early financial independence well before the age of sixty-five. But what are the two best ways to do this? On one hand, you've got cash-flowing rentals that appreciate while giving you freedom-enabling income with long-term wealth growth. On the other hand, you've got passive retirement accounts, many of which can save you boatloads on taxes and grow discreetly in the background while you work away.It's hard to say which is a better bet, so why not do both? Today's guest Benjamin is feeling a little under-diversified after heavily investing in real estate, but without much in his retirement accounts. Benjamin is well versed in the pros and cons of pre and post-tax retirement investing, but with a high income, he's worried that he may have already reached the income cap for his Roth IRA. Thankfully, he's unlocked the “holy grail” of retirement accounts, one that will skyrocket his retirement quicker than he thinks.But before all of this is done, Benjamin and his partner need to build their investment plan. This will help them stay the course when life events come up, allowing them to still retire rich, hopefully in less than a decade. If you want to build your own investment plan, we highly recommend using the one from our own Scott Trench!In This Episode We CoverPaying off six figures of student debt and using the extra income to invest heavilyHouse hacking and using primary residences to build wealthRoth IRA investing and what to do if you've hit the income limitThe best way to invest in your retirement with stocks and index fundsThe right way to do diversification and safely building wealth at a young ageSpeeding up your path to financial independence with rental property investingAnd So Much More!Links from the ShowFind an Investor-Friendly Real Estate AgentBiggerPockets Money Facebook GroupBiggerPockets ForumsFinance Review Guest OnboardingMindy's TwitterScott's InstagramListen to All Your Favorite BiggerPockets Podcasts in One PlaceApply to Be a Guest on The Money ShowPodcast Talent Search!Subscribe to The “On The Market” YouTube ChannelListen to The “On The Market” Podcast: Spotify, Apple Podcasts, BiggerPocketsCheck Out Mindy's 2022 Live Spending Tracker and BudgetFidelity InvestmentsClick here to check the full show notes: https://www.biggerpockets.com/blog/money-361Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Check out our sponsor page!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In today's episode, Warren Ingram invites Odwa Sihlobo, Co-Head of Multi-Asset at Prescient Investment Management, to discuss inflation. How does it work, how will it affect you personally, and how can you beat inflation using various investment opportunities. Questions/ Topics: What is inflation? How is inflation calculated? What is the impact of inflation? How budgeting can help you track inflation? How can we mitigate inflation over the next few years? What is a notice deposit, and how can it help? What is a fixed deposit account? Risk conservative investment options Multi-asset & equities funds and time horizonsTax on your investments in terms of interestInvesting in shares and balanced fundsThe marriage of risk and growth Bond investments Have a question for Warren? Don't forget to voice note your questions through our WhatsApp chat on (+27)79 807 8162 and you could be featured in one of our episodes. Follow us on Twitter, LinkedIn and subscribe to our YouTube channel for more Financial Freedom content: @HonestMoneyPod

Did you know the average CEO reads about 60 books per year? That's a lot of books! And guess how much the average person reads? If you guessed 12 you hit it right on the money.In today's episode I go in depth into the 3 books you should read when you're looking to start your personal finance journey. The literate person who does not read is no different than the illiterate. Reading is one of the best ways to learn from the wisdom of others.In This Interview We CoverAssets vs. LiabilitiesThe cash flow quadrantWhy you should invest in index fundsThe self confidence formulaAnd so much more!Links From ShowRich Dad Poor Dad I Will Teach You To Be RichThink And Grow RichAudibleJohn's InstagramWalk 2 Wealth's InstagramSupport the show

Hedge funds are trying to reposition themselves in the middle of this year's heavy tech stock sell-off, and the director of the UN's World Food Programme, David Beasley, explains how the war in Ukraine is causing a global food shortage. Plus, the FT's Christian Davies tells the wild story of the guy behind the Luna cryptocurrency and its incredible downfall. Mentioned in this podcast:Gabe Plotkin's Melvin Capital to wind down fundsThe mauling of Tiger Global$40bn crypto collapse turns South Korea against the ‘Lunatic' leaderThe Rachman ReviewThe FT News Briefing is produced by Fiona Symon, Sonja Hutson and Marc Filippino. The show's editor is Jess Smith. Additional help by Peter Barber, Michael Lello, David da Silva and Gavin Kallmann. The show's theme song is by Metaphor Music. Topher Forhecz is the FT's executive producer. The FT's global head of audio is Cheryl Brumley. Read a transcript of this episode on FT.com See acast.com/privacy for privacy and opt-out information.

There is much more light in the northern hemisphere today than there was yesterday. This will be the case for 90 more days until the pendulum shifts back the other way, but perhaps now isn’t the time to bring that up. It is time to tell you that this is another edition of Charlottesville Community Engagement and I’m the same version of Sean Tubbs. Spring into new information with a paid or free subscription to the newsletter and podcast!On today’s show:Several stories out of last week’s Albemarle Economic Development Authority meeting, including the pursuit of a designated outdoor recreation area for somewhere in urban AlbemarleThe Crozet Community Advisory Committee learns about transportation CouncilMembers of the Lewis and Clark Exploratory Center talked loan forgiveness with the Albemarle EDA in closed sessionAnd an update on the Broadway Blueprint in Albemarle County First shout-out goes to the Rivanna Conservation AllianceIn today’s first Patreon-fueled shout-out, the Rivanna Conservation Alliance wants wildlife and nature photographers to enter their first-ever photography contest! They want high-resolution photos related to the Rivanna watershed and the winning entries will be displayed at the 2022 Riverfest Celebration on May 1. The two categories are 16 and under, and those over the age of 17. You can send in two entries, and the work may be used to supplement Rivanna Conservation Alliance publications. For more information, visit rivannariver.org.Lewis and Clark Exploratory Center officials met in closed session with EDA to talk loan forgivenessThe Albemarle Economic Development Authority met with leaders of the Lewis and Clark Exploratory Center in closed session last week to share information about the nonprofit’s ability to pay back a loan that dates back to 2013. “The pandemic of course dealt us a hefty blow as I think it did most nonprofits,” said Malou Stark, the president of the center’s Board of Directors. “We were not able to open during most of the pandemic. We began very small last fall with very private small group tours of two or three people at a time.”That’s important as the Center owes just over $125,000 to the EDA for the loan, which was taken out to cover higher-than-expected construction costs to build the Center in Darden Towe Park. The Charlottesville Economic Development Authority also contributed $130,000 for that purpose, and has said it will forgive the loan if the Albemarle EDA follows suit. However, they have consistently indicated they expect repayment. Stark and fellow board member Sarah Gran met with economic development staff before the meeting to speak privately about the issue. “We took away the thoughts and ideas that were addressed a week ago and really wanted to hear what the EDA was saying about repayment about this loan and that we take it seriously,” Gran said. The EDA told the center board members that they want a plan for repayment. Stark said the Center sees an ability to bring in more revenue now that it can open. “We’ve continued renting out our building and we have been very successful during the pandemic in getting grants that we have gone after,” Stark said Stark said the Center will resume holding its summer camp this year and that will be one source of revenue. However, schools are not yet booking the property for field trips. The EDA met with Stark and Gran to discuss the matter in closed session. At the closed session, they also discussed an economic development project with the codename Khaki. There was no action on the matter after the closed session. There will be more from the Albemarle Economic Development Authority later on in this newsletter. Watch the whole thing on the county’s YouTube page. Crozet CAC briefed on transportation infrastructure projectsThis month all of Albemarle’s seven advisory committees have been briefed on transportation projects from the county’s planning staff. In recent years, Albemarle has been successful at securing money for projects, such as the conversion of the Route 151 and U.S. 250 intersection to a roundabout. On March 8, 2022, the Crozet Community Advisory Committee had their turn. Planning Manager Kevin McDermott explained how the process works in Albemarle. “We regularly update a list of transportation priorities and this list basically is every project that’s been identified,” McDermott said. (read the list)Those projects are identified in master plans, small area plans, corridor plans, and so on.“And then we evaluate all of those projects based on a set of metrics which we think kind of capture, really, the needs of a transportation system,” McDermott said. “Those include measuring for safety, congestion, economic development, accessibility, land use, and environmental impact.” That ranking system is similar to the one used by the Virginia Department of Transportation in their Smart Scale process. That’s one of many sources of revenue for transportation projects and McDermott said the priority list is used to help position projects for applications. For the past few years, Albemarle has used a capital fund called “transportation leveraging” that is used to come up with local matches for major projects. Other sources include a revenue sharing program with VDOT and a Transportation Alternatives program for projects for non-motorized users of the public realm. “These projects are things that would cost definitely under a million and it requires a twenty percent local match,” McDermott said. Major projects in the Crozet area include the southern extension of Eastern Avenue (#8). That’s been a plan on paper for many years, but when it came time to apply for funding the cost estimates were out of date. “And so we decided to move forward with an engineering study using local funding and so that engineering study also looked at the potential locations of Eastern Avenue,” McDermott said. The county will find out in April if VDOT will award funds to the Eastern Avenue project, which could have a cost around $25 million. Other projects in the area include conversion of U.S. 250 and Virginia Route 240 to a roundabout and a Smart Scale application for a roundabout at Old Trail Drive and U.S. 250 at Western Albemarle High School. The priorities will be reexamined as part of Albemarle’s ongoing review of the Comprehensive Plan, including new projects suggested in the recent update of the Crozet Master Plan. For more from the meeting, take a look on YouTube:Albemarle EDA releases Habitat for Humanity of Greater Charlottesville from Southwood deed The Albemarle Economic Development Authority has adopted a resolution releasing Habitat for Humanity of Greater Charlottesville of its obligations related to a ground lease for the Southwood Mobile Home Park. According to Albemarle’s property records, Habitat purchased the land and trailers at Southwood on March 1, 2007. Senior Assistant County Attorney Richard DeLoria said the Albemarle EDA took on the note for some of the debt in 2010. “Long story short is that the EDA assumed a $6 million obligation that was secured by a deed that was presented to the EDA,” DeLoria said. DeLoria said Habitat paid back the funding in the form of rent to the EDA but now Habitat is seeking to refinance. That means they needed to clear up the obligation to the EDA. “Habitat would like a deed of release from the EDA and also a termination agreement for the lease,” DeLoria said. The vote to adopt the resolution was unanimous. As of the March 15, 2022 EDA meeting, Habitat had not completed the refinancing packet. Today’s second shout-out goes to LEAPYou don’t need the “luck of the Irish” to be safe and comfortable in your own home. To see what you can do to get the most out of your home, contact LEAP, your local energy nonprofit, to schedule a home energy assessment this month - just $45 for City and County residents. LEAP also offers FREE home weatherization to income- and age-qualifying residents. If someone in your household is age 60 or older, or you have an annual household income of less than $74,950, you may qualify for a free energy assessment and home energy improvements such as insulation and air sealing. Sign up today to lower your energy bills, increase comfort, and reduce energy waste at home!Albemarle making major investment in economic development funding with surplus fundsThe proposed budget for Albemarle County for fiscal year 2023 contains a recommendation from County Executive Jeffrey Richardson that will give the Albemarle Economic Development Authority a large pot of money to use to help close deals. “Our Board has heard the recommendation from Mr. Richardson to put $5 million back into the economic development investment pool,” said Roger Johnson, the county’s economic development director. “That would sort of reestablish our investment pool that we have spending over the last four years or so. It is getting lowered as every project comes along.” The source of the $5 million is funding left over from FY21. These funds are often used to cover the county’s match for grants such as the Virginia Jobs Investment Program (VJIP)  and the Agricultural and Forestry Industries Development fund (AFID). The latter was used to help Potters Craft Cider renovate Neve Hall to become its tasting room and production facility and the EDA contributed $50,000. This week, Governor Glenn Youngkin awarded the first AFID grant of his administration to Hidden Pines Meat Processing in Madison County. “The company, which has been operating for more than twenty years, is expanding to year-round operations and adding USDA inspection services to meet surging consumer demand for locally produced meats,” reads the press release. Johnson said having a dedicated pool allows his team to work without getting an appropriation for each development project. Albemarle County seeking to explore DORA Albemarle County is considering taking advantage of new state laws that allow the use of Designated Outdoor Refreshment Areas to help boost tourism and economic development. “It’s a geographic area licensed by the ABC annually that allows the consumption of alcoholic beverages—wine, beer, mixed beverages—within public spaces or inside a business without an ABC license as long as the business owner agrees,” Johnson said.The Town of Scottsville has used its DORA license on two occasions so far. The city of Charlottesville has discussed the idea but has not pursued it since a majority of the last Council did not appear to support it. Under the DORA, a nonprofit group would hold the ABC license. A business improvement district could also hold the license, but there are none in Albemarle County. “What’s allowed is up to 16 events per year,” Johnson said. “Each event can be no longer than three days. You need a letter of support from the locality, and in this case that’s Albemarle County. You have to submit an ABC application and there is a fee associated with that.”Beverages must be in designated containers. Johnson said he’s met with the Police Department to get their feedback on the events. EDA Director Stuart Munson praised the DORA set up for Scottsville for two events so far. “We saw a significant increase in traffic both on the street and in businesses and we had no problems whatsoever,” Munson said. Other potential uses for a DORA in Albemarle are in Crozet and at Stonefield. EDA briefed on Broadway Blueprint studyThe Albemarle Economic Development Office has officially completed a planning study for a portion of the county around the Woolen Mills Factory on the western banks of the Rivanna River. (read the report)“The general idea was to take the 46 and a half acres on the Broadway Corridor and turn that into a place that people, businesses, and activities all occur at the same time and everyone would like to be there,” Johnson said. Recommendations in the plan include creation of an arts and cultural district, creation of a business association for the corridor, increased bike and pedestrian facilities, design of a multimodal streetscape, and enhanced public transit. The report was delayed by COVID and during that time, Albemarle has adopted a new value of “community” which means equity and inclusion. That’s meant a new round of recommendations after the study was looked at through an equity lens. “The new recommendations include connectivity to all outside communities including the city,” Johnson said. “We were talking about this being a county-only type project but there are some surrounding neighborhoods that we believe it makes sense to connect to as well. It also includes targeting programming and the use of public space to serve the broader neighborhoods.” The item was on the consent agenda for the March 16, 2022 meeting of the Board of Supervisors. On Thursday, the MPO Policy Board will select an alignment for a pedestrian and bike bridge to connect the Woolen Mills with Pantops. One would connect to Charlottesville at Chesapeake Street at a cost of $11.3 million. The other would connect at East Market Street and would have a cost of $15.4 million. (alternatives report) (comparison matrix)Support the program!Special announcement of a continuing promo with Ting! Are you interested in fast internet? Visit this site and enter your address to see if you can get service through Ting. If you decide to proceed to make the switch, you’ll get:Free installationSecond month of Ting service for freeA $75 gift card to the Downtown MallAdditionally, Ting will match your Substack subscription to support Town Crier Productions, the company that produces this newsletter and other community offerings. So, your $5 a month subscription yields $5 for TCP. Your $50 a year subscription yields $50 for TCP! The same goes for a $200 a year subscription! All goes to cover the costs of getting this newsletter out as often as possible. Learn more here! This is a public episode. If you’d like to discuss this with other subscribers or get access to bonus episodes, visit communityengagement.substack.com/subscribe

This week on episode 16 I want to revisit a two-part series on the nuts and bolts of our very simple investing strategy. I wrote these posts early in the history of this website, back in late 2018. We felt an investing strategy needed to be simple and lasting, so you might be surprised to learn how boring it all seems. But in this case, boring is good.And like a simple investing strategy should be, it really hasn't changed much. However, once we achieved financial independence and left our traditional jobs, we have made some minor changes to our plan. And I'll share those changes with you today.Support this project: Buy Me a CoffeeSubscribe to the website: SUBSCRIBE ME!Covered in this episode:The critical importance of spending less than we earnInvesting vs savingsA simple case study of how cash falls behind to price inflationThe key elements of our investing strategyInvesting psychologyAsset allocationOur favorite fundsThe importance of automationHow we handle home equityWhether or not to pay extra on a mortgageHow our plan has changedSo much more!Investing Strategy Links:Original Post: Part 1: The CC Family Investing Strategy: Philosophy and Asset AllocationThe S&P 500 through timeExpense Ratio & Fees: They'll Hose You Big TimeVanguard's Total Stock Market Index Fund (VTSAX) details (no affiliation)

Are you financially prepared for life after retirement? This episode of the One for the Money podcast is all about generating income in early retirement. Congress has put a 10% penalty for those who access IRAs before age 59 and a half, but I'll be going over ways you can generate income. Listen through to the end, and I'll share some early retirement tips, tricks, and strategies, including an easy math trick that allows you quickly to understand interest, rates of return, and how they impact both your investments and debts. In this episode...The tricky first years of retirement [01:33] Retirement income sources [02:30] Workarounds to access retirement funds [04:41] The Rule of 72 [08:53] Accessing retirement fundsThe first few years of retirement can be the trickiest to generate income because Congress has applied a 10% penalty for Americans who access their retirement funds before age 59 and a half. The purpose of the penalty was to encourage Americans to keep their monies invested for longer to benefit from compounded interest. Consequently, it requires some deft planning to generate income during the first years of early retirement. Income sources in early retirementThe simplest income source is savings, the money you have in the bank. Savings is money in addition to an emergency fund and should be the first money spent in early retirement because it just sits in the bank. I recommend that early retirees begin saving extra money in the bank in the few years just before early retirement. These savings will be the money you want to spend first, so it won't be subject to risk in the stock market, where a downturn can reduce what you already have. Another income option is a non-retirement account, which is a great way to save more if you've already maxed out your retirement accounts.  Roth IRA contributions are made with after-tax money. Because you have already paid taxes on this money, the IRS allows you to withdraw the contributed amounts, not the gains, at any time without taxes or penalties. For example, let's say you contribute $5,000 to a Roth IRA in 2015, and it grows to $10,000. In 2020, you can take the $5,000 contribution out with no taxable consequences. However, the disadvantage is that less of your money will be compounding. So I wouldn't recommend that you utilize the Roth IRA for funds in early retirement because you want this tax-free money to continue to grow as long as possible. Understanding interestOne of the most important things people can understand about finances is interest. Fortunately, a simple math trick called the Rule of 72 can help us understand how interest can impact our finances from both an investment and debt perspective. The Rule of 72 is a simple way to determine how long an investment will take to double, given a fixed annual rate of interest. All you need to do is divide the number 72 by the annual rate of return, and you will obtain a rough estimate of how many years it will take for your initial investment to double. The Rule of 72 is a powerful means for anyone to understand interest, which is integral to understanding finances. Resources & People Mentionedhttps://www.macrotrends.net/stocks/charts/AMZN/amazon/stock-price-history (Amazon - 24 Year Stock Price History) https://www.irs.gov/retirement-plans/substantially-equal-periodic-payments (72(t) Distributions) Connect with Jonny Westhttps://betterplanningbetterlife.com/ (https://BetterPlanningBetterLife.com)  Connect with Jonny https://www.linkedin.com/in/jonny-west/ (on LinkedIn) Subscribe to ONE FOR THE MONEY on https://podcasts.apple.com/us/podcast/one-for-the-money/id1590932593 (Apple Podcasts), https://open.spotify.com/show/1uAAU84OImSwwhJgW1hFlb?si=19457c8e971341f6 (Spotify), https://podcasts.google.com/feed/aHR0cHM6Ly9mZWVkcy5jYXB0aXZhdGUuZm0vb25lLWZvci10aGUtbW9uZXkv?ep=14 (Google Podcasts) Audio Production and Show notes by https://www.podcastfasttrack.com/ (PODCAST FAST

This podcast explores whether the pandemic has fundamentally changed the way venture funds look at investment opportunities in startups operating in the travel industry. We also discuss how startups can stand out from the crowd by solving challenges brought on by the pandemic and how this can help bigger companies facilitate not just the recovery of travel, but the ‘new normal':Impact of the pandemic on investment in startupsLatest strategies from venture fundsThe investment dynamic in the startups world right nowThe role startups are playing in the recovery processSpeakers:Stephen Snyder, Operating Principal at Jet Blue Technology VenturesSuzanna Chiu, Head of Amadeus Ventures, AmadeusFind out more information about Amadeus Ventures at amadeus.com/ventures, and to stay up-to-date on the latest news from Amadeus, and to catch the next episodes in the Big Rethink series , go to amadeus.com/rebuildtravel.

Emily McDonald, Founder of The Stylist LA is an Entrepreneur, Consultant, Business Coach. As a female founder, Emily has faced many unique challenges and successes throughout her journey from growing and running a team of over 15 employees, to launching retail stores across California, bringing in over 7 figures in revenue, and fundraising over a million dollars in Venture Capital. Her companies have been seen in outlets such as Entertainment Tonight, US Weekly, Glamour...and many more. She has also been featured on many celebrities and influencers social media,  including pretty much every bachelorette or contestant from The Bachelor franchise. In today's episode we dive into how Emily first successfully bootstrapped The Stylist LA before later diving into the world of VC fundraising as a female founder. We chat through how she shifted her company in lieu of the pandemic, her best tips on crisis communication management, and what she's currently up to do. She offers some incredible opportunities to you guys - and is a girl after my own heart in the beverage department.Here's what you'll learn:How Emily came up with the idea of her initial business model for The Stylist LAThe importance of knowing where to look for fundraising opportunitiesShe tells us one avenue that was especially successful for her in raising fundsThe difference between Angel Investors and Venture Capital fundsHow to approach fundraising and making sure your business model is the right fit for the right type of investorThe importance of brand messaging during times of crisis and tips on how to sound as authentic as possibleHow to become more comfortable with being uncomfortable and her best fundraising tips for female foundersHow she got her business the traction it needed to be seen as scalable to investorsThe importance of sending multiple pitches - both for press and investorsHow Emily has pivoted the model of Stylist LA since the pandemic The launch of her upcoming mastermind (and who's a fit!)And so much more!Stylist LA: https://www.stylistla.com/Consulting Website:  https://www.ekmcdonald.comFounder University: ​​https://www.founder.university/Instagram: https://www.instagram.com/thestylistla/?hl=enLinkedIn: https://www.linkedin.com/in/ekmcdonaldFacebook: https://www.facebook.com/TheStylistLA/Snag Lexie's free Pitch it, Pitch it Good! Checklist at theprbarinc.com/pitchitgoodInterested in learning more about Pitchin'? Book a Free Consultation here.Instagram: @theprbar_incGo back to the homepage

Joined by Paul Naphtali (Rampersand), Sarah Nolet (Tenacious Ventures), and Rachel Yang (Giant Leap), Ian sits down for a deep dive into family offices. The panel discusses a variety of topics related to family offices and provides a wealth of information for potential VC investors as well as those looking to learn more about who is behind VC funds.Ian & the panel discuss…The role family offices play in Australia and how it is evolvingHow family offices can help innovation become a core part of the Australian economyThe differences between a family office and an individualThe intergenerational nature of family officesDeal flow as a determinant of success in first-time fundsThe importance of ESG (environmental, social, governance)Trends among family offices...and more!

 Adam Carswell brings on special guests Byron Elliot & Marc Cesar, real estate entrepreneurs, where Adam and Marc have a $650-valued discussion with Byron for his securities attorney knowledge.   In this episode, Byron and Marc talk about:The different rules for capital raising for real estate fundsSEC regulations on sponsors, issuers and broker-dealers for capital raising How to structure a Fund-to-FundInvestor options for Fund-to-FundsThe difference between 506B and 506C OfferingsThe responsibilities of a Fund-to-Fund's General Partners and investment team Adam would like to give a huge thanks to Byron and Marc for coming on the Dream Chasers platform and sharing their knowledge and experience about capital raising and Fund-to-Fund models. Episode Resources: Adam J. Carswell Facebook Group | https://www.3pillarslaw.com/ | https://reikeyholder.com/  Timestamped Shownotes:02:26 – Host Adam Carswell introduces Byron Elliot & Marc Cesar, Real Estate Entrepreneurs04:20 – How did Marc find his way into the real estate space?05:25 – What experience does Byron have with capital raising for real estate?06:51 – Are there different rules for a Fund-to-Fund based on the state you are in?09:20 – Do you need specific certifications to become a capital raiser?11:27 – Can people be compensated for introducing issuers and sponsors?13:53 – What structure needs to be put in place to form a Fund-to-Fund?17:37 – Can investors cash-out early in a Fund-to-Fund?19:44 – Is there a minimum amount needed to be invested for a Fund-to-Fund?22:45 – How can crowdfunds collect smaller investments from people?24:14 – What is the right thing to do if the GP shares change after a PPM? 26:33 – When should you choose a 506B offering versus 506C offering?29:08 – Can you raise capital for a 506B offering without being part of the General Partners (GPs)?31:45 – How crucial is it for the GPs to know everyone's responsibilities?34:04 – What kind of communication and content should and should not be used for a 506B offering?39:35 – What is the benefit of establishing a Fund-to-Fund? 41:20 – How is a Fund-to-Fund structured and how does compensation distribution work? Sponsored by:  RaiseMasters, the #1 Mastermind for Elite Capital Raisers - Join our FREE Training now!Support the show (https://www.patreon.com/dreamchasers_ix)

Visit our sponsor: SwanBitcoinLearn more about our guest: Simon DixonMax & Stacy discuss monetizing dissent through activist short squeezes as we are seeing with r/wallstreetbets now spread to the trending #silversqueezeThe sum of all dissent monetization is going to run into bitcoinGamers are used to taking on Goliaths and other giantsGenZ/Millenial native environmentDematerialization - this young generation has as much attachment as a virtual lambo as one in the garageRegulatory arbitrage with reddit vs hedge fundsThe great reset has already happenedThe kids are better at this gameLaunching sorties against over leveraged companiesThey chat with Simon Dixon of BnkToTheFuture.comAn army of financial guerrilla warfare warriorsThe big three problems that bitcoin solvesThe content never ends

Paradox Podcast Podcast Notes Key Takeaways The most surprising trend in the past 12 months was the velocity at which rolling funds are starting and scaling upEducation is a key piece if we want to democratize venture investingAccredited investors laws protect “uneducated” investorsThe ideal solution would be to allow more people to access diversified fundsThe pandemic broke San Francisco’s location monopoly for startupsMiami and Austin are already emerging as the new tech hubsAngelList is facilitating this transition by helping founders from anywhere to connect with investors“The only thing that matters is getting product-market fit, nothing else matters. Everything else is just a rounding error” Avlok KohliFocus on building an amazing product that absolutely delights your customersThey can’t help but use it, despite its flawsRead the full notes @ podcastnotes.orgAvlok Kohli (@avlok) is the CEO of AngelList Venture. For episode #16, I chatted with, I chatted with Avlok about how the startup funding ecosystem is changing, the geographic future of Silicon Valley, the launch of rolling funds, which have taken the venture industry by storm, and the launch of my seed fund, Paradox Capital, which is managed on the AngelList platform. Prior to joining AngelList, Avlok was a repeat founder. One of his startups, Fastbite, was acquired by Square in 2015. You might be asking: what is a rolling fund? A “Rolling Fund” is a new type of investment vehicle that allows fund managers to invest in private companies at their discretion ion behalf of investors (often referred to as “limited partners”), who contribute to the fund on a quarterly subscription basis. A few of the benefits of rolling funds are the ability to continuously fundraise, more flexibility to fund managers and LPs and the ability to do marketing publicly around your fund. This was a very informative discussion and it got me really excited about the future of building, operating and investing in startups.I hope you enjoy this conversation with Avlok Kohli. ————————————————————— Are you a founder of a startup? Do you need funding for your startup? The good news is I’ve launched a seed fund called Paradox Capital. The mission is to arm founders beneath and beyond Silicon Valley’s radar with early checks and expert advice to build the next great companies anywhere. If you’re an early stage founder, reach out to me at paradox.vc or send me a DM on Twitter and let’s chat. Now let’s get back to this episode.

In this episode, Chris and Debbie touch on the basics of real estate investing, financial independence, and broad market index fund investing.They answer the following questions:"What is financial independence?""What is the best way to get started in real estate investing?""How do you decide what properties are worth investing in?""Is my personal residence an asset?""Is real estate investing the only way to reach financial independence?""How do I know when I have enough cash-flow or enough invested to retire?"In answer, they talk briefly discuss the following:Their first rental properties, why they bought them, and what the numbers were likeAppreciation, cash-flow, and buy-and-hold investmentsThe 1% rule in real estate investingAssets versus liabilitiesHigh risk and lower risk investmentsReal estate mind-setLow fee broad market index fundsThe 4% rule in stock market investing and retirementTracking monthly spendingThe anti-budgetResources from this episode:Books mentioned in this episode:The Simple Path to Wealth by JL CollinsYour Money or Your Life by Vicki Robin and Joe DominguezThe Lifestyle Investor by Justin DonaldLearn a lot more about the 1% rule of real estate in this very thorough blog post on coachcarson.com.Read more about tracking your spending in this article from ChooseFI and/or just use this spending tracker they created.Read more about the "anti-budget" in this blog post from Paula Pant on affordanything.com, or listen to this podcast episode by the same author.Read more about Dave Ramsey's envelope budgeting method in this blog post.If you want to know more about investing and/or have more questionsemail us hereDM Chris on InstagramDM Debbie on InstagramGet Debbie's book The Other Side of Perfect: Discovering the Mind-Body Connection to Healing Chronic IllnessGet on our mailing list by hitting "subscribe"!

Today our guest is Martin Saenz from BeQuest Funds. Martin is a successful note investor and Managing Partner of BeQuest Funds. Renowned as a thought leader in the mortgage note investment industry, Martin is generous with his first-hand expertise, to the benefit of his many clients and followers.Martin talks to us about his journey moving from the corporate world to starting his own company, selling it off, and now being a successful note investor. We talk about how note investing works and its potential for passive investors. [00:01 – 05:27] Opening SegmentI talk briefly about great values that await you in this episodeI welcome our guest, Martin SaenzMartin talks about his backgroundLeaving the corporate worldStarting his own businessBecoming a full-time note investor [05:28 – 15:32] BeQuest Funds and Note InvestingMartin talks about the main objective of BeQuest FundsMartin talks about the nature of note fund investmentsEffect of a Recession to note fund investingEmphasizing relationship building with borrowers [15:33 – 24:12] Note Fund Investing in Single Asset SyndicationsMartin talks about some options for investors to exit fundsThe kind of documentation investors can expectMinimum investment for their fundsDistinctions people need to look at when considering a fund [24:13 – 30:16] Closing SegmentQuick break for our sponsorsWhat is the best investment you've ever made other than your education?Buying 10 First mortgaged non-performing notesWhat is the worst investment you ever made?Starting a sign business with my wifeWhat is the most important lesson that you've learned in business and investing?Buy assets you can control and the cash flowConnect with Martin. See the links below. Tweetable Quotes:"Then Problem was, I bought a note based on the perceived value of the property. When I should be buying notes based on the cash flow potential.” - Martin Saenz“If you’re going to work your tail off, you’ve got to be reaping the rewards of it.” - Martin Saenz Resources Mentioned:Note Investing Made Easier Connect with Martin, visit https://www.bqfunds.com/ or follow him on LinkedInLEAVE A REVIEW + help someone who wants to explode their business growth by sharing this episode or click here to listen to our previous episodes.

Today, Rick Bloom takes a deep dive into the financial strategies presented by "Celebrity Financial Advisors," most notably Suze Orman and Dave Ramsey.Shaming - sometimes they "shame" viewers - no financial professional should make you feel that wayDebt - save for today, live for tomorrow, but will skipping Starbucks reallynet you a million dollars?Dave Ramsey's idea of paying off all debt before saving for retirement - and the flaw in that logicThe idea that nobody should have a charge card - why they can be useful tools.Investing - the problem with Suze's generic math equationDave's idea that you should only invest in 4 areas, as well as Class A mutual funds vs "no load" mutual fundsThe idea of a 12% return - why that's just not realisticThe idea of retiring at a certain, one-size-fits-all ageAdditionally, Rick answers listener emails regarding Roth vs Traditional 401K plans, long term care and life insurance, and the differences between UGMA, UTMA, and 529 savings plans.If you have a question for Rick Bloom, you can email him at Rick@RickBloomTalksMoney.comResources:Bloom Asset Management website: http://www.bloomassetmanagement.com/

My name is Corey Kupfer and I’ve been doing deals and negotiating professionally for more than 30 years, both as a successful entrepreneur and as an attorney. My goal is to help you strategize, plan for, find, and complete deals that will help your company grow faster. This is called “inorganic growth”, and it differs from the traditional slower, organic growth you’re probably familiar with. In this solo episode of Fueling Deals, I share strategies for overcoming the internal obstacles that are preventing you from becoming a dealmaker.What You Will Learn:My first real business and missed opportunityDifferent ways that I exercised my enterprise mindset from a young ageLessons I learned from doing deals of all sizesMy experience doing deals as an investor and a stakeholderUsing real estate to build discretionary fundsThe benefits and drawbacks of partnershipsHow to connect with Corey Kupfer:Website: www.fuelingdeals.com See acast.com/privacy for privacy and opt-out information.

#MagaFirstNews 8.29.19https://youtu.be/eSFAH1qatxkMSNBC's O'Donnell retracts unverified Trump-Russia story, makes on-air apologyMSNBC host Lawrence O'Donnell on Wednesday night retracted a story that directly tied President Trump's finances to Russia and made an on-air apology for running the unverified report. "Last night on this show, I discussed information that wasn't ready for reporting," O'Donnell said. "I repeated statements a single source told me about the president's finances and loan documents with Deutsche Bank. Saying 'if true' -- as I discussed the information -- was simply not good enough. I did not go through the rigorous verification and standards process here at MSNBC before repeating what I heard from my source. Had it gone through that process, I would not have been permitted to report it. I should not have said it on-air or posted it on Twitter. I was wrong to do so." High-profile Democrats fail to qualify for primary debates in SeptemberSeveral struggling Democratic presidential candidates have failed to qualify for the next round of primary debates scheduled in September. Those missing the cut include U.S. Rep. Tulsi Gabbard of Hawaii, U.S. Sen. Michael Bennet of Colorado, billionaire climate-change activist Tom Steyer, Montana Gov. Steve Bullock and self-help guru Marianne Williamson. To appear on stage in Houston next month, they had to hit 2 percent in at least four approved public opinion polls while securing 130,000 unique donors.Hours ahead of a midnight Wednesday deadline to qualify, Sen. Kirsten Gillibrand of New York announced she was dropping out of the race. In an interview on "Tucker Carlson Tonight," Gabbard complained that the Democratic National Committee lacks "transparency" in the debate qualification process. Omar hit with FEC complaint, accused of paying alleged lover's travel expenses with campaign fundsThe conservative, Virginia-based National Legal and Policy Center filed a complaint against Rep. Ilhan Omar, D-Minn., with the Federal Election Commission (FEC) on Wednesday, alleging that the lawmaker used campaign funds to illegally reimburse her purported paramour for personal travel expenses. The complaint also charges that Omar failed to itemize travel reimbursements as required by the Federal Election Campaign Act of 1971 -- and that the travel expenses increased during the same month that Omar's alleged affair with married Washington, D.C., political consultant Tim Mynett, 38, heated up. Omar has denied that she had an affair with Mynett, and her attorneys have dismissed the FEC complaint as a baseless "political ploy."Dorian takes aim at FloridaHurricane Dorian moved out over open waters early Thursday after doing limited damage in Puerto Rico and the Virgin Islands, and forecasters warn it could hit Florida over the weekend. The U.S. National Hurricane Center said Dorian was expected to strengthen into a dangerous Category 3 hurricane as it stayed well to the east of the southeastern and central Bahamas over the next two days. The forecast called for the storm to pass near or over the northern Bahamas on Saturday and close in on Florida by Sunday afternoon.DHS bars Dem staffers from visiting border facilities after 'rude' and 'disruptive' behavior The Department of Homeland Security (DHS) has barred Democratic staffers from the House Oversight Committee from visiting Customs and Border Protection (CBP) facilities at the U.S.-Mexico border as part of a planned trip this week after committee staff allegedly were “disruptive” and refused to follow instructions during their last trip. Committee Chairman Elijah Cummings, D-Md., had sent his staff to visit border facilities for “oversight inspections” last week and planned to send staff again to view Immigration and Customs Enforcement (ICE) and CBP centers.DHS has revoked access to CBP facilities for the upcoming visit, citing staff behavior that “interfered” with law enforcement operations -- including refusing to leave one site after their scheduled window, skipping some tours and being "rude" to officers. A DHS official said that ICE visits will still be allowed the rest of this week, but with a two-hour time limit.Uber driver bitten in Georgia attack that left car damaged, woman arrestedA Georgia woman was arrested after police say she was caught on camera attacking an Uber driver — by biting him and trying to damage his car.Tasheena Campbell, 26, was taken into custody Aug. 20 -- days after the incident in which she allegedly attacked driver Yasser Hadi in midtown Atlanta on Aug. 18.A video uploaded to Twitter of the attacks begins with a woman — identified by WAGA as Campbell — sitting on the hood of a car, breaking off a windshield wiper. Bystanders and Hadi encourage her to stop, before the woman throws a punch at Hadi.The woman hops off the car and enters the vehicle through the driver-side door while Hadi tries to stop her. "Get out my car!" he shouts, as he pulls the woman out to the ground. The woman tries punching the Uber driver — before biting him, prompting him to scream.Tasheena Campbell, 26, was charged with battery and criminal trespass following the incident. It's unclear what sparked the altercation. Hadi said Campbell appeared out of nowhere and randomly attacked him."She's acting weird, she's acting wild, and she's on the car hitting it, telling me I need to die, to kill me," Hadi told WAGA of the encounter. "The pain, I said, "God, just let her take my flesh, I don't care. I want her to go away from me."The Uber driver said the situation is "horrible.""She's hit me in my job, my health and my financial pocket money, it's hard," said Hadi, noting he doesn't have insurance. "I'm in a bad situation. I wish people see this and help." Campbell was arrested and charged with battery and criminal trespass, according to online records from the Fulton County Jail. She was still in custody as of Thursday.Kentucky mother Andrea Knabel, a volunteer who searches for missing people, reported missingA Kentucky mother of two who searches for missing people has now seemingly disappeared herself.Andrea Knabel, 37, was last seen leaving a relative's home in the Audubon Park neighborhood of Louisville around 1 a.m. on Aug. 13, according to Missing in America, the organization for which she volunteers. Around 1:30 a.m., she used her cellphone to call her friend and ask for a ride, the Louisville Courier-Journal reported. Several security cameras are located in the neighborhood, but many weren't active when she was in the area.A friend of Knabel's told WAVE the single mother "was upset and she needed a ride" — and was too trusting of other people."Obviously she was trying to get ahold of people, maybe she got in the car with the wrong person," said Maricia Kidd, who has known Knabel for 30 years. She noted Knabel's car was recently totaled in a hit-and-run accident and said she'd been laid off at work."Here she is helping to locate people and she comes up missing herself," said Tracy Leonard, a private investigator and friend of Knabel. “She’s just a super great girl. She helped me locate a missing teen about a year and a half ago."The group's founder, Nancy Schaefer Smith, said that Knabel, a "dedicated member" of Missing in America, is the first volunteer ever to disappear like this."She is loved by so many people," Smith told the Courier-Journal. "It's all hands on deck. She's my girl...We're going to find her."Knabel is described as a white female with light brown hair. She weighs between 190 to 200 pounds and is around 5 feet 7 inches tall. She was last seen wearing a "light color tank top and white shorts."Anyone with information is urged to contact Leonard at 502-618-9337 or Smith at 502-500-3026, or the Louisville Metro Police at 502-574-5673.Pennsylvania man's 'gunlike hand gesture' toward neighbor was a crime, court rulesA Pennsylvania court ruled Tuesday that making a "gunlike hand gesture" is a crime after a man-made the hand motion during an argument with his neighbor — an act which reportedly made several nearby residents nervous and prompted a call to police.Stephen Kirchner, 64, made the gesture toward his neighbor in Manor Township in June 2018, according to surveillance video. Kirchner, walking alongside a female neighbor, "stopped, made eye contact with [the male neighbor] and then made a hand gesture at him imitating the firing and recoiling of a gun," according to court documents.The action made one neighbor feel "extremely threatened" and he called 911. Another neighbor said she saw Kirchner “put his finger up like he was going to shoot [the neighbor]", "insecure," prompting her to call 911.Kirchner and the female neighbor Kirchner had been walking with previously had issues and confrontations, sparking the neighbor to install six security cameras on his property. At the time of the incident in 2018, the female neighbor had a "no contact" order against the neighbor who felt threatened, court documents indicate.Kirchner was issued a citation for disorderly conduct following the incident. He said in district court he made the "gunlike" gesture after his neighbor gave him "the finger with both hands."The 64-year-old was found guilty, but appealed, arguing the hand gesture didn't "create a hazardous or physically offensive condition." Kirchner said he didn't mean to cause public alarm, and there wasn't really any harm done to the neighbor or others.On Tuesday, however, the Superior Court of Pennsylvania found the gesture "served no legitimate purpose, and recklessly risked provoking a dangerous altercation."Kirchner was ordered to pay a $100 fine and court costs.

In this episode, Senator Bernardi looks at:Feedback about de-registration of the Australian ConservativesA reflection on making decisionsThe importance of “crunchiness”The Bradfield SchemeYour say:Going into debt in exchange for infrastructure and servicesBanks confiscating depositors’ fundsThe definition of true ConservatismFolau’s fundraisingValue the eternal truthsService to common senseWater securityFuel securityA lesson in fighting for freedom from Kenny Rogers’ song “Coward of the county”

It was reported over the weekend that private school fees have increased by 3.6% over the past year. However, the longer-term trend is closer to 5% p.a. Private school fees are tipped to soon exceed $40,000! That is a big hit to after-tax cash flow. This blog compares three financial strategies you can use to fund future school fees.What is the future cost?There are two things to keep in mind with respect to future education costs. Firstly, the average rate of fee increases is close to 5% p.a. Secondly, these expenses must be paid from after-tax income – so you have to earn a lot more pre-tax in order to meet these costs.A child born this year will most likely start secondary school in year 2031. Assuming fees increase 5% p.a. and inflation remains at 2% p.a., the total cost of secondary private school education will be $280,000 in today’s dollars. A parent will need to earn at least $460,000 before tax (in today’s dollars) over a 6-year period to meet these costs – an average of $75,000 p.a. per child.I am sure you agree that this is a substantial cost and one that you must plan for as early as possible.Steer clear of education fundsThe most prominent education fund producer is ASG. It creates structured savings plan so that parents will be better positioned to meet future education costs. However, their fees are high and investment returns are terrible. Parents would be far better off following one of the lower-cost, more transparent options below.Strategy One: Park savings in your home loanThe best place to save money is to park it in your home loan and redraw it whenever you need it. The reason being is that the home loan interest rate is much higher than the deposit rate. At best, you might receive 2.5% p.a. in interest for money in a savings bank account. The home loan mortgage interest rate is currently around 4% p.a.I completed my financial projections using a home loan interest rate of 5% over the next 18 years (the average rate over this time will likely be higher – but I’m being conservative). I worked out that parents would need to direct additional cash of $1,200 per month into their home loan over the next 18 years in order to fund their children’s school fees. That is, in year 2031 they would redraw these extra repayments from their home loan to pay for their children’s school fees as they are incurred.This approach (i.e. $1,200 per month for 18 years) costs $258,000 in after tax dollars – slightly less than the $280,000 above – because of the interest saving generated by the extra repayments.This approach is very low risk because your return (being the home loan interest you will save) is certain. That is, home loan interest rates will almost always be between 3.5% and 8% p.a.You can also park money in an offset linked to an investment loan – although it is less effective than a (non-tax-deductible) home loan.Strategy Two: Invest in the share marketThis option includes investing a regular amount in the share market. You don’t need to ‘pick’ shares in order to implement this strategy. Instead, you can use a low-cost, diversified index fund from Vanguard to do this. This means you only need to buy shares in one stock (codes are VDHG or VDGR for example) each month in order to make these investments. This one stock has exposure to Australian and international shares, emerging markets and some bonds too. It is very simple. You can use a low-cost online trading platform such as Commsec or CMC Markets to do this.Long term equity market returns (dividend income plus growth) have been circa 10% p.a. over the past 30 years. However, to be conservative, I will assume returns will be 8% p.a. over the next 18 years (being 4% income plus 4% growth).I calculated that parents would need to contribute $14,500 per year ($1,210 per month) into a share portfolio over the next 18 years. They would gradually liquidate the share portfolio to fund the school fees as they are incurred.Strategy Three: Invest in a property and sell it when they finish schoolThis strategy would involve borrowing to purchase an investment property, then accessing the equity (via borrowings) in that property before you child starts secondary school to fund school fees. You could then sell the property when your child finishes school to repay all loans.I assumed an investment purchase acquisition of $750,000, a conservative capital growth rate of 6% p.a., a gross rental yield of 3%, allowed for expenses and assumed an average mortgage interest rate of 6%.The cash flow cost of this strategy over the 18 years of ownership amounts to approximately $210,000 which is a lot lower than the other two options.The net equity in the property in 18 years’ time (after allowing for repaying the original loan and CGT) is circa $900,000. Don’t forget that you will have an additional loan which you used to pay for the school fees and that would be circa $450,000. Therefore, this strategy leaves you with a surplus (cash proceeds) of $450,000 after tax.The breakeven capital growth rate (needed to generate enough wealth to cover all schooling costs) is only 4% p.a. A well-selected, investment-grade property should definitely generate substantially more growth than this over the next 2 decades.Why does property win?Here’s a summary of the results:The property strategy produces the best outcome for three reasons:The returns I have assumed are higher for property. In the home loan strategy, I assumed an interest rate of 5% p.a. In the share market strategy, I assumed a gross return of 8%. And in the property strategy I assumed a gross return of 9% (growth plus income). I assumed a high gross return for property simply because it has half the volatility rate than shares.Property provides less of its total return in income and more in capital growth. See this blog for why that is important.Only the property strategy includes borrowing to invest. Borrowing to invest is a higher risk strategy and does not suit all people. Also, borrowing to invest magnifies investment returns – both positive and negative.Which strategy is best for you?Of course, that depends on many things such as the age of your children, your expected income, your asset base, your risk profile and so forth. The point of this blog is to point out that there are a few strategies that can be considered and that it’s very important that you implement said strategy as-soon-as-possible. The longer you leave it, the more painful it will be to fund private school education.If you want to send your child to a private primary and secondary school, then it’s even more important to have a plan – as I have only considered secondary school costs in this blog.The best time to start planning for education costs was yesterday. If you didn’t do that, the second-best time is to start today. We can help.

Can You Buy a Home Subject to...?The seller holds the mortgage and the investor takes title. The purchase is subject to the mortgage staying on the property.Who takes this offer? Jay answers this important question.This amazing strategy is on the HUD settlement document. This is a very established strategy.Jay shares how he talks with the prospect.How does Private Money fit into this real estate investing strategy?What is the "Due on Sale" clause? Jay talks about his hundreds of deals without having the clause called due.What is Private Money?An individual lends real estate investors money from their investment capital or retirement fundsHard Money versus Private MoneyA broker finds the money and charges 14% on average. Private money is 7-8%. Hard money has extra fees. No fees for Private Money. The seller holds the mortgage and the investor takes title. The purchase is subject to the mortgage staying on the property.Who takes this offer? Jay answers this important question.This amazing strategy is on the HUD settlement document. This is a very established strategy.Jay shares how he talks with the prospect.How does Private Money fit into this real estate investing strategy?What is the "Due on Sale" clause? Jay talks about his hundreds of deals without having the clause called due.What is Private Money?An individual lends real estate investors money from their investment capital or retirement fundsThe private lender earns a lot more money than they would if the money was sitting in a bank account. Average returns in the USA is 8%, which is a lot more than at a bank.The loan is safe and secure. Private Money:1) Warm Market2) Existing Private Lenders3) Warm market that you do not know yetHard Money versus Private MoneyA broker finds the money and charges 14% on average. Private money is 7-8%. Hard money has extra fees. No fees for Private Money. Register for the Real Estate Cashflow Conference:http://bit.ly/jaymoneypodcastJay Conner is a proven real estate investment leader. Without using his own money or credit, Jay maximizes creative methods to buy and sell properties with profits averaging $64,000 per deal.What is Real Estate Investing? Live Cashflow Conference https://youtu.be/QyeBbDOF4woThe Conner Marketing Group Inc.P.O. Box 1276, Morehead City, NC USA 28557P 252-808-2927F 252-240-2504Channelhttps://www.youtube.com/channel/UCZfl6O7pRhyX5R-rRuSnK6whttps://www.youtube.com/c/RealEstateInvestingWithJayConnerRSS Feedhttp://realestateinvestingdeals.mypodcastworld.com/rss2.xmlGoogle Playhttps://play.google.com/music/listen#/ps/Ihrzsai7jo7awj2e7nhhwfsv47yiTunes:https://itunes.apple.com/ca/podcast/real-estate-investing-minus-bank-flipping-houses-foreclosure/id1377723034

Jay talks about what Private Money is.Watch on YouTube: https://youtu.be/UpKkCKk19yUWhat is Private Money?An individual lends real estate investors money from their investment capital or retirement fundsThe private lender earns a lot more money than they would if the money was sitting in a bank account. Average returns in the USA is 8%, which is a lot more than at a bank.The loan is safe and secure. Private Money:1) Warm Market2) Existing Private Lenders3) Warm market that you do not know yetHard Money versus Private MoneyA broker finds the money and charges 14% on average. Private money is 7-8%. Hard money has extra fees. No fees for Private Money. What is Private Money?An individual lends real estate investors money from their investment capital or retirement fundsReal Estate Investing Minus the Bank.http://www.jayconner.com/moneypodcast

On today's show we talk to Ted Seides. Ted is a graduate of Yale and Harvard university and he comes with multiple decades of experience in finance. For people not familiar with Ted, most might recognize him has the gentlemen that took the opposite side of Warren Buffett’s bet with the hedge fund industry. We talk to Ted about this friendly wager, how it came about, what the results were, and what he thinks about the chances of beating the S&P 500 moving forward. Something else that’s interesting about Ted is that he has extensive experience working for the famous investor, David Swensen. Swensen has been the chief investment officer for Yale’s endowment for decades and his average return for the past 20 years is 25% annually. At the end of the interview we talk to Ted about Swensen’s greatest strengths. We also ask Ted to compare David Swenson and Warren Buffett (who Ted has become friends with through the years). Click here to get full access to our show notes.In this episode, you'll learn:Why anyone would make an investment bet against Warren BuffettWhy Warren Buffett wanted to trade stock tips for a football playbook The untold drawbacks of investing in index fundsThe simple secrets to legendary investor David Swensen’s outperformanceAsk the investors: What is the best approach to teach your kids finance?