Podcast appearances and mentions of larry bates

Dans ce 63e épisode, je fais la synthèse du livre « Beat the Bank » de Larry Bates publié en 2018 à partir de cinq éléments clés à retenir : 1. T-REX Score 2. La formule de la richesse 3. Facile investir seul? 4. Les dix commandements de l'investissement 5. Capital, dividendes, intérêts!   Abonne-toi pour soutenir mon travail et obtenir un épisode supplémentaire chaque mois : ⁠⁠⁠⁠https://podcasters.spotify.com/pod/show/financesfondamentales/subscribe⁠⁠⁠⁠   Je t'invite aussi à suivre la page Facebook « Finances Fondamentales - éducation et investissement » pour avoir accès à l'image synthèse de l'épisode et pour me poser tes questions. Page Facebook : ⁠⁠⁠⁠https://www.facebook.com/profile.php?id=100088196588852⁠⁠⁠⁠   Tu pourras également y consulter l'analyse fondamentale des compagnies de la semaine, soit : 1) Microsoft (MSFT); 2) Public Storage Operating Company (PSA); 3) Coterra Energy (CTRA).   Pour un accompagnement avec Christine Pelletier, conseillère en sécurité financière et représentante en épargne collective : https://gfmgroupe.com/service/489/offre-finances-fondamentales   Gmail: ⁠⁠⁠⁠Financesfondamentales@gmail.com⁠⁠⁠⁠   Avertissement : Je ne suis pas conseiller financier et mes synthèses sont naturellement teintées par ma subjectivité. Tu dois effectuer tes propres recherches et développer TA littératie financière avant d'investir. Les informations communiquées dans le podcast sont dans un but strictement éducatif et ne constituent pas un conseil d'investissement. Je ne suis pas responsable de tes décisions financières personnelles.

Larry Bates is an independent investor advocate, author of Beat the Bank: The Canadian Guide to Simply Successful Investing, consultant and speaker. Larry enjoyed a 35-year banking career with several major financial institutions in both Canada and the U.K. including as Global Head of Debt Capital Markets for RBC. Over the course of his career, Larry both collaborated with and advised many of the world's most sophisticated investors and financial institutions. Larry is currently on the board of FAIR Canada and is an Ambassador of the Transparency Task Force. He is a graduate of Dalhousie University. In my interview with Larry, we discuss: The high cost of investment fees How to better investment your down payment and keep more of your hard earned money The RRSP Home Buyers' Plan The First Home Savings Account (FHSA)

Intro: Emceeing a memorial serviceLet Me Run This By You: Fear and the paranormalInterview: We talk to Tina Parker aka Francesca Liddy about SMU, Blake Hackler, Andre DeShields, Maria Irene Fornes' Mud, Kitchen Dog Theatre, Breaking Bad, Better Call Saul, Robert Altman's Dr. T & the Women, Birdbath play, Perpetual Grace. FULL TRANSCRIPT (unedited):1 (8s):I'm Jen Bosworth Ramirez2 (10s):This, and I'm Gina Pulice1 (11s):We went to theater3 (12s):School together. We survived it, but we didn't quite understand it.4 (15s):20 years later, we're digging deep talking to our guests about their experiences and trying to make sense of3 (20s):It all. We survive theater school and you will too. Are we famous yet?2 (34s):So what does mean, What does it mean to mc a memorial?1 (40s):Yeah. I mean, I don't know what to call it. I I people keep it host. I'm not hosting cuz the family's hosting. So what it means is that I'm trusted, I think to not, Well one, I've done this twice, you know, I've lost both my parents. So I like know the drill about how memorials go, but also I think I'm kind of a safe person in that I will step in if someone goes kaka cuckoo at the memorial and I also have some, you know, able like, presenting skills. Yes. Right. And I'm entrusted to like guide the ship if it, and if it goes off kilter, I will say to somebody, Hey, why don't you have a seat?1 (1m 23s):This is like, we'll have time for this later if you really wanna get crazy or whatever. But that's, and I think it's just sort of steering, steering the grief ship maybe. I don't know. Yeah, look, I don't know. I like that. It's gonna be2 (1m 34s):Interesting, dude, people, Oh, honestly, they should have that for, you know, in other cultures where they have like professional grievers and professional mourners, it, it sounds a little silly, but at the same time it's like, no, this is right. Because no, we don't, we never know how to do it. Unless you've lived in a really communal environment where you, you, you, you know, you attend the rights, the ceremonies or rituals of everybody in your village, then you really don't know until, usually until it's thrust upon you. And then it's like, well, you're supposed to be grieving and then like hosting a memorial service. It's such a weird thing. So this could be another career path for you. You could be a professional, you know, funeral mc, I actually, honestly, I hate, I don't hate it.2 (2m 21s):I love it. Well,1 (2m 22s):And also could be my thank you, my rap name funeral Mc instead of like young mc funeral mc, but no. Yeah, I, I have no, and it's so interesting when it's not my own family, right? Like these are family friends, but they're not, it's not my mother who died. I don't have the attachment to I people doing and saying certain things. I don't feel triggered. Like being, I grew up a lot in this house that I'm sitting in right now, but it's not my, it was not my house. So I don't have any attachment emotionally like appendages to the items in the house where the girls do.1 (3m 2s):So I'm able to be here and, and, and be like, this is, this is, I'm okay here. I don't feel overwhelmed. And I think that is a sign that I'm doing the right thing in terms of helping out in this way if I got here and I was like, Oh my God, it's too much. But I don't feel that. And I also think that like, one of the things that I did with Nancy and Dave over the last couple years is like, they were literally the only adults. Well, I'm an adult, only older adults my parents age who are like, Yes, go to California, you need to get out of here, get away from this. They were the, so I that made me trust them. And then we stayed, we had like weekly phone conversations, just like they would each be on a line.1 (3m 46s):It was hilarious. And we would talk for hours like maybe once every two weeks, a couple hours. And it was really like a parenting experience. So I feel very close to them and I, what I'm learning is that like, even if other people have different relationships with people, you can have your own. So I know that no one's perfect, but these were allowed, like, you're allowed Gina to have your own relationship with your mom and with your even dead people than other people have.2 (4m 17s):Yeah. Yeah. I agree with that. Back to the plane for a minute. In these situations, what do the flight attendants do, if anything?1 (4m 28s):Oh, well I always talked to them before because I, so what I say, I always like to, because Dave, who's, who's a hypnotherapist and a psychologist, he said, Listen, you know, he used to be afraid. And he said his thing was talking to the flight attendants before and just saying like, Hey, I have a phobia. I'm a therapist. I'm working through it. Like just to make contact, right. I don't, I didn't say that exactly, but what I said was, Listen, I say, Hi, how are you? We struck up a strike up, a teeny conversation in that moment where I'm going to my seat and I say, Listen, I'm going to Chicago to like mc a memorial for like someone who's like my mom. So if you see me, so if you see me crying like it's normal. And they're like, Oh, thanks for telling me. And they're, they usually don't get freaked out.1 (5m 11s):I'm also not like intense about it. They do nothing. And you know what they, I think and, and she said, Thanks for telling me. I really appreciate it. Because I think they'd rather know what the fuck is going on with someone than thinking someone's about to hijack the goddamn plane.2 (5m 29s):Exactly. I was thinking that exact same thing. I was thinking like, especially right now, all they know is it's heightened emotion or it's not, you know, like they, they, they have no, they would have no way of differentiating, you know, what's, what's safe and what's dangerous. So I can't believe nobody's ever done this before. But we, another project that we could do is like airplane stories. I mean there is such, this is one of the few points of connection that humanity still has people that is who can afford to you fly a plane anywhere. But this thing of like, it sucks and it's dirty and it's growth and people, people's, you know, hygiene comes into question and if they're sitting next to you and it's uncomfortable and it's not the glamorous thing that it used to be even when we were kids.2 (6m 21s):So it's, it's one of those moments unless you have a private plane where you're sort of forced to reckon with like the same thing that everybody else in humanity has to reckon with. But even on a private plane, and I would argue even especially on a private plane, there is the fear of your imminent death. Like the, the, it doesn't matter if you're afraid of flying or not, it crosses your mind.1 (6m 42s):Well, yeah. And I, my whole thing is like, I, I don't know what would happen if we all started talking about that on a plane. So like what would that be like? So, okay, when I was traveling last with home from San Francisco with Miles, I sat next to this woman, Miles was in the middle and the woman on the aisle was this woman. We were both afraid. And we had this idea for a fricking television show, right? Which was two, it's called the Fearful Flyers and then two people on each side and a famous person in the middle seat. And we would interview them as we, we flew to one, take our mind off it, but two really delve into our own fear and did the person of any fear and get to know a celebrity at the same time.1 (7m 27s):Now she never texted me back. So she's clear, clearly she's not that interested. Cause I was like into it. I was like, what if we get, I know, I know. And she's not even in the industry. She's like, so, but I was like, hey fearful flyer friend, I think we should talk about our idea. Crickets radio silence. So whatever. She's moved on. Like she just used me for the, for the Yeah. No entertainment, which is fine,2 (7m 53s):Heightened emotional space. She, she bonded with you, but now she's back to like all of her armor and all of her gear and she doesn't wanna think about flying until she has1 (7m 60s):To. No. Right, right. Exactly. It's not something that she wants to delve into on her free time, you know, So, which I don't blame her. But anyway, so yeah, it's an interesting thing. Like I literally ha I sit out the window, I sit by the window and I have to look out the window. And this guy next to me who I met, who's like a vet and who is like, was self-medicating with alcohol and who is a gay vet was really interesting. But he, everyone copes differently. But it was in, at one point I thought, oh, I actually don't wanna be distracted by him because I'm really doing some deep work with myself as I look out the window and also your version of like getting through this experience, I, it does not feel safe to me, which is drinking and like just, I cannot distract myself.1 (8m 52s):People are like, Oh, read a book. I'm like, are you fucking kidding me? That's like telling someone I don't know who's having a seizure to read a book. Like you, you, it's not gonna work. Right. I look out the window and, and do therapy with myself. That is what I2 (9m 7s):Do. I love it. That's great. I think everybody who is listening to this, who has any kind of fear or intimidation around flying should, should do that. I don't know if you were getting to this, but I thought you were gonna say something about like how, Oh, you said, you said what if we all talked about it now? Every positive communal experience with the exception of theater that I've ever had, I've gone into unwillingly at the beginning and you know, sort of rejecting it and then come out the other side. Like that was amazing. You know, the thing that you experience, the communal thing, the thing of like, we're all in this together, which we are all like so actually parched for, but we, people like me would never really kind of actively sort of approach.2 (9m 48s):It has to be thrust upon me these like healing group experiences, but amen. In fact, they could make a whole airline that is sort of about that. Like this is, you know, this is the emotional express. Like this is where we're gonna talk about our fear of flying. Cuz everybody's crying in airplanes too. Being in the actual airplane does something to you that makes everybody much more vulnerable than there are otherwise.1 (10m 13s):It's so crazy. I agree. It could be emotional express and you could deal with it, but you would know getting on this plane, like people are gonna talk about their feelings and you shouldn't get on it. So the guy on the aisle2 (10m 26s):Yesterday, No,1 (10m 28s):No alcohol. Oh yeah, no alcohol. The guy on the aisle like hated everything about the flight, Right? He was like shaking his head. He was annoyed. But then he had a Harvard sweatshirt on. I was like, oh my god. But he was like middle aged guy, like coating or I don't know what he was doing, but he like hated everything. He shook his head when they told him to like put his bag under the seat. I'm like, listen, you know what's going on here. This is not your first time in an airplane, Why are you shaking your head? But okay. But then he said something that was hilarious and I said, I'm gonna put that in a script. Which, which was, I don't even know what he was responding to. It was probably my seat mate saying something. But he said, Listen, it's not ideal, but nobody asked me.2 (11m 13s):And1 (11m 13s):I, I'm gonna, and I said to him, I said, Listen, I am gonna put that in a script. Like the mother-in-law is meeting her future daughter-in-law and, and says, Listen, she's not ideal, but nobody asked me. And he laughed and then he said, it's true. And I said, Yeah, I know it's true. That's why. And so then he was like, then he was like free to talk about his disgruntledness, which was fine cuz then it was like he was more human. But at, he was hilarious. He was like the, like he's one of those people that like during and it was really turbulent at one point. And I was like, Okay, here we go. It's turbulence part of the deal. It's okay, fine. And he was like, just like angry at the turbulence.2 (11m 57s):I love1 (11m 58s):It. Which I thought was brilliant. Yeah, I'm like, but like, who are you angry at? Just like the turbulence. And he was like, ugh. And like angry at air flow. I don't know if2 (12m 7s):At air current1 (12m 8s):He was like pissed off. I was laughing. I was like, this guy's awesome. He just hates everything. It's, it is not ideal, but nobody asks me.2 (12m 17s):So what's so great about that? And so what's so great about you is like, you enga that's how you always engage people from this perspective of like, yeah, whatever is going on with you that you think is like nobody else wants to hear about, I want to hear about it. Because that's because that's what you spend your time doing. You know, bravely engaging with yourself. They, we need a person like you in all of these sort of like high stress situations that people have to do. Usually at some point in your life you have to get on an airplane. Usually at some point in your life you you have to speak, you know, in front of a group of people. You have to have the funeral. We need these sherpa's, these guides to kind of give us, basically just give us permission to have our own human experience that we have somehow talked ourselves out of having, even though it's completely unavoidable.1 (13m 3s):Yeah. And I also really respect people who now who have to just, I mean I, it's not my way, but like, shut down and they're like, Nope, I'm just gonna, they can do it. They're like, either it's drinking or whatever it is to distract themselves. They're like in it, whether it's the disgruntledness or other people, they like just go to sleep immediately. They like sit down and they're like out. And I don't think it's relaxation. I think they're just like checked. They're like,2 (13m 30s):I have, Oh yeah, no, they're, I cannot be conscious right now. I wonder what makes the difference between people who are afraid of flying and not, I have never once felt afraid of flying, even during turbulence. I've never once had the thought like, this plane is going down. I mean, maybe that changed a little bit when I had kids and I was always the one in the aisle, like holding, I had to hold my babies the entire flight because, because it must be a natural thing to be freaked the fuck out to be on an airplane. Even a baby freaks out to be on an airplane. So there's something to it. But what makes a difference between people who just, I've never had that fear.1 (14m 8s):I I know it is a foreign, it is like it is. I don't know either. And I, I I, there's other people like that have, What was the fear someone was talking about the other day? Oh, I have a friend who like literally cannot have their blood drawn. They have to go under almost. Wow. They almost have to be sedated to have their blood drawn. Me. I I stick out my arm. I don't give a, it's just not my thing. Yeah. I don't have any charge at it at all.2 (14m 37s):Well,1 (14m 38s):You could take my blood right now.2 (14m 40s):I used to have this theory that you grew up afraid of the things that your parents basically were afraid of so that they therefore communicated to be afraid of. But that I now think that that's completely untrue. My daughter is scared to death of spiders. She, she's haunted by this fear that when she goes into the bathroom at night, there's gonna be a spider. If there's the tiniest and we live in the woods, there's sp there's all kinds of insects that make that their way into our house. I have, there's not a spider I've ever encountered that I've been afraid of now. Mice and rats. That's what I'm afraid of. My mom was afraid of snakes. She did not transfer when I was younger.2 (15m 20s):I felt afraid of them too. And then one day I was like, eh, it's fine. Yeah. I don't think I have any coral with these snakes actually. I think it's completely fine. Right. So I, I don't, So it's something inherent in us that identifies an ob I think it's maybe like we've, I for whatever reason, this becomes the object of all of your fears. And it could be a spider, it could be a plane, it could be, you know, clowns. Like it's for a lot, for a lot of people. It's1 (15m 47s):Fun. Oh remember, Okay, Larry Bates, who we went to school with, and he's open, I think about this. Yeah, he is cuz he's, he's talked about it. I, he had a fear of muppets, like an intense Muppet fear. And I was like, Wait, are you, I thought it was a joke. I was like, Wait, Muppets, Like, okay, they're a little weird, but like, but like a phobia of a Muppet. And I was like, what the actual fuck. I couldn't like,2 (16m 14s):I just, that's it's not, dude, my version of that is I was afraid of mariachi bands.1 (16m 22s):Wait, mariachi bands?2 (16m 24s):Yes.1 (16m 25s):Like bands. Yeah.2 (16m 26s):Well, so growing up, growing up in, well, we love Mexican boots, so we were always going out for Mexican food. And back then, I don't know why every time you went to have Mexican food, you know, dinner, there was a mariachi band. Like, I, I, it doesn't, I haven't seen a mariachi band in such a long time, but it used to be that you could not go out for a Mexican restaurant dinner without a mariachi band. And I, it got to a point where they couldn't, first it was like, we can't go to have Mexican food anymore. It was like, we can't go to a restaurant. I just, I didn't want these mariachis and, and it must have just, I think it was the bigness of the hat and the loudness of the music right next to your table when you think about it, it's actually, so it's strange, right?2 (17m 9s):Yeah. That you're sitting at your table, like with your family looking, you know, whether you're gonna order the chalupa or the enchilada. And then it's just like, extremely loud, very good, but extremely loud and, and in huge presence. People sitting, you know, right next to your table.1 (17m 24s):Yeah. I mean it doesn't really make a lot of sense as a business move either. Like what, why it would like, it would like make people, unless you're drunk again, if there's alcohol involved, it changes everything. But you can't really drink as a toddler. So, but I think that like, maybe there's something, I wonder if there's something about that of like all the attention being on you. Like, listen, when there's, like, there are kids I know at restaurants when they, when it's their birthday and they come over to sing that they fucking hate it. It's too much attention on them. And adults too. And I can kinda understand that. It's like too much pressure, right? There's like a2 (17m 59s):Pressure. Well, you just unlocked it for me now I know exactly what it is. You said something about being drunk and I think at that age, I have always equated loud and raucous with drunk. You know, as a kid, I knew when anybody in my family was being loud raus. And, and actually, I'm sorry to say even especially when they were having fun. When I'm in a room, when I'm in a house and everybody's laughing, you know, my, it's like, I I I I just get that fear. I just get that fear sort of rise up. It's different now that I'm older and I've, you know, been in more situations where that hasn't been scary to me. But that's what it was with the mariachis, The loud and the festive and the music meant like, somebody's going to say something that they really regret.2 (18m 44s):Somebody's gonna get a dui, somebody's going to jail.1 (18m 50s):Hey, let me run this by you.2 (18m 58s):So imperfectly into the thing I wanted to run by you today, given that it is Halloween season and this episode will air the day after Halloween. But so I, you know, Well, actually no. Okay, I'll, I'll start with this. I am one of those people that desperately seeks paranormal experiences. And I'm almost always disappointed when I'm, when I'm actively seeking it, going to a psychic, going to a medium, going to, it's, oh, you know, it's, I'm never the one in the crowd where the medium goes. Like, I've got a message for you.2 (19m 40s):And I've, I've gotten to the point where I'm like, my family's like just not that into me. They don't wanna, you know, the people have passed over, like, don't wanna, don't wanna come talk to me, don't wanna give me messages. But I I, if you're out there, if you're listening, ancestors drop a line. I'd love to know what the deal is. I'd love to know what messages you might have from me because I actually really do believe that that can happen. Maybe it just needs to happen with people who are on a higher spiritual plane than any of,1 (20m 9s):I mean, I don't, I don't believe that for a sec. I mean, it could be true. What do I know? But I think, look, I do believe right, that most shit happens when you're not expecting it paranormal or not. Like all this shit that has happened to me, most of it has been not at all when I would've planned or thought or, and so I have one ghost story. I don't know if you know, it happened in Great Barrington, Do you know this story?2 (20m 42s):Yes. But tell it again. It's a great story.1 (20m 44s):Okay. Okay. I could care. I was like 21. All I wanted was to be skinny and have boys like me. I didn't give a fuck about ghosts, I didn't care about anything. So I'm in Great Barrington in edits, Wharton's the old Lady author's house, and I'm the stage manager. And this guy I was in love with was in this play that took place. The monkeys paw took place in the, they were doing an adaptation of the Monkeys Paw in Edith Wharton's parlor on Halloween. It was like the creepiest thing, but I didn't give a fuck because I was in love with the guy who was seriously haunted. Yes, yes, yes. Super, super Berkshire's, whatever. I didn't care.1 (21m 24s):I was like, ah, I wanna, I want this guy to like me. I don't give a fuck about any of that. Okay. So I, my job was to literally move the furniture after the rehearsal to the storage room. Okay. In this big mansion. Okay, fine. They're getting notes and I'm just probably daydreaming about how I can make this guy like me. And I'm moving furniture and I go into this little storage room and of course people talk about the house is so big and haunted, I could care less. So I'm in there and down the road from the house is a barn where they're doing the play Ethan from and Okay, Ethan from, there's like a sledding accident in the play. So he's on a sled and they start screaming and the guy is hurt.1 (22m 4s):So another show was going on at the, in the barn. And I'm like, ah, okay. So I'm moving the furniture and I hear this sled yelling and okay, I'm like, Oh, should they, I wish they would shut up. I was like, this is loud yelling. So then I, we finish our rehearsal and we're walking up back, me and the cute guy and some other people, and all I'm thinking about is how can I get this guy like me? And like, literally, and also now I see pictures of him and I'm like, Dear God. Anyway, so, so, oh my God, why didn't someone, I mean, you should, someone should have just slapped me like 10 times and been like, No. But anyway, but that's what I was, I was all about him. I had a thing for Canadians. Anyway, so, so like, I just loved the guys that was like international to me, Canadians.1 (22m 48s):Anyway, okay. So it was like all the Canadians. So we're walking in the dark to our cars and, and I say, and we walk by the barn and I'm like, Oh my gosh, you guys, they were so loud tonight when I was moving the furniture. Like they should shut up. Like, I, I wonder how it's gonna be when we're doing the Monkeys Past show. We're gonna hear Ethan from, and like every, there's like four of us. Everyone stopped and I'm like, What, what's wrong with you? Two or three or whatever. And they were like, like turned white. I've never seen this happen in human beings. And I was like, What is happening? I thought I said something wrong or like, of course, like I was bad. And I'm like, What?1 (23m 28s):And they're like, Oh God. And I was like, What? What are you punk me? What's happening? And they're like, There was no show tonight.2 (23m 37s):Ooh. Even though I knew that was coming the story, it still gave me a chill. Today on the podcast we are talking to Tina Parker. Yes. Tina Parker, the one and only Francesca Litty from the Smash Hit series, critically acclaimed and me acclaimed Better Call Saul and Breaking Bad Tina's a delight. She's a director, she directs for theater. She's got a theater company in Dallas, Texas called Kitchen Dog. And she was so much fun to talk to and I just know you are going to love our conversation with Tina Parker.2 (24m 33s):Oh, nice. Okay. Well I wanna get all into Kitchen Dog, but I've gotta start first by saying congratulations Tina Parker. You survived theater school5 (24m 44s):So long ago. My Lord, so2 (24m 46s):Long ago. Yeah. I I have no doubt that, you know, the ripple we, we've learned, it doesn't matter how long ago you graduated, the, the feeling of survival persists and the ripple effects of it persists.5 (24m 59s):Absolutely.1 (25m 1s):When I had longer hair, people used to always ask if I played Bob Oden Kirk's assistant on better. And I would say no. But I adore the human that plays her. It's brilliant performance and I love it. So2 (25m 17s):There you go. It really is. And I, and I wanna talk a lot about Better Call Saul, but you went to smu, which I did. You interviewed the current dean, I think he's the dean. Blake Hackler.5 (25m 30s):Yeah. Chair of Acting I think.2 (25m 31s):Chair of Acting. Okay, fantastic. I'm I'm assuming you guys weren't there. No, you never crossed5 (25m 36s):Path. But we've actually, he and I have crossed paths a bit professionally nowadays. Yes. Because we've, we, Kitchen Dog has done a few of his new play readings cuz he's a playwright also. So he's, he had at least two or three plays read in our New Works festival and he's always helped me out when I need recommendations for young people to come in and read. Cause you know, we're all old at Kitchen Dog.2 (25m 56s):Fantastic. Shout out to Blake. So SMU is a fantastic school. Did you always wanna go there? Did you apply to a bunch of different places? How did you pick smu?5 (26m 9s):Well, it's kind of a ridiculous story. I, my senior year of high school, you know, of course like a lot of people went to theater school. You're all like, I'm the superstar. My high school. Like, all right, I get all the leads. I'm Auntie Mame and Mame. You know what? Ridiculous.1 (26m 25s):I just have to say I was Agnes Gooch and I, I was the Gooch. Were you5 (26m 30s):Agnes? I was ma I was anti Mame in the stage play version. Oh yes.1 (26m 35s):I wa yeah, yeah, me too. I was Agnes Gooch. I wanted to be anti Mame, but so anyway, always a goo, always a Gooch. Never a Mame over here. But anyway, So tell us, So you were the start.5 (26m 46s):Yeah, you know, like everybody who went to theater school, everybody was the start at their high school. But I, my dad unfortunately had a stroke when I was a, and he was only, my parents are super young and so he was 40, I don't know. So it was very unusual. It happened like at the beginning of my senior year. And so my family was, it was all kind of chaotic. My senior year was very chaotic and I was also like the president of the drama club and, and we, you know, and all the people, you know, all the competitions every weekend. And so it was just a, there was a lot going on and my family stuff got into disarray because my dad ended up losing his job because he was sick for so long. And, and it was so I screwed up.5 (27m 28s):Like I missed a lot of applications. I never, I didn't really, it was one of those where it just kind of snuck up on me and I didn't really know the places I wanted to go. I had missed like certain deadlines because of the fall. And so I, SME was still one of the ones that was open. And so I did, was able to schedule an audition cuz you had to get into the school, but also, you know, get into the theater program. Like you could get into the school, not get into the theater program, you know, it is what it is. Luckily I still had time to do the audition, so I did that and then my grandmother literally walked my application through the admin, through the academic part because something I had missed, I think.5 (28m 13s):And my grandmother is very like, I don't know, it's hard to say no to my grandmother. So she went and they took this great care of her and she just kind of walked through and she's like, told the whole situation. And I mean, I had good grades. Like it wasn't, you know, like I did get in, I got scholarships and all this shit. Like I had, I had good grades, so it wasn't like I was like, my grandmother did it, you know, But she did walk it through. She's a thousand percent charmer. And then the, as far as the audition goes, I was an hour late because I got lost. And then there's this weird horseshoe at SMU cuz you know, go ponies or whatever bullshit that is, there was no parking.5 (28m 55s):And so I was like, got, was super late and I was just like, just like so sweaty and like, you know, you, everything's high drama when you're in high school, right? So you're like, this is is my last chance to be a doctor. I'm gonna have to work at the, you know, fucking shoe store that I was working at or whatever. It was forever. And so1 (29m 15s):I would, I, after I became an actor, I was still working at the cheese store after I went to, But the other thing I wanna say is like, also your grandma sounds like charming, but also like, she might be in the mob.5 (29m 25s):Well, yeah, she's totally like, yeah, I mean, I don't know. She's, she's she, she can get it done. She's the wife of a Methodist minister too. So she, she, she knows how she can, she can read a person and figure out like, this is what you need, you know, And she's just sweet, like, you know, she's charmer. But I ran into someone else's audition, like that's what I, I ran and they then the school, the school is all built, the school is all built crazy. So if you don't know the school, you get lost. And I was like, went and I going in the wrong places and I was an hour late and I was like, and like, I literally like, this is it not open the door. And they're like, somebody's in there like, like doing the thing. And I'm like, oh my god. And they're like, you know, and I was like that.5 (30m 7s):And I was just like, Oh God. And so I go and sit in the room and I just remember them coming in. I was like, I'm really sorry, you know, like the kid was like, whoever, I don't think they got in. And they, I just remember them looking at me like, you know, and they left and I was like, great, this is awesome. And then I go into my audition, which I chose the worst pieces, like the worst of course. Like, I think it was like, I can't even remember the name of the playwright, but it's like a really, really dramatic monologue from like bird bath, you know, My head is not a hammer, like something ridiculous. And then I also chose to sing, which I'm not the greatest. I mean, I can sing, I can sing karaoke, but not like seeing like I'm a musical theater actor. I, I, that's not me.5 (30m 47s):I think I chose seeing like the something that Nights on Broadway or some bullshit, like, you know, the Neon Lights On? No, No. On Broadway. Like ridiculous. Oh yeah, yeah, yeah. And they were like, luckily, luckily I did get in the interview part and then they're like, turn your, they're like, turn your monologue into standup comedy.2 (31m 6s):Oh wow. I never heard of that in audition. What a cool tactic.5 (31m 10s):Well, and it was also, I think they could tell that I was so freaked out and so nervous, but then that like, the interview portion went great. And so they're like, you know, then they were like, Hey, try like play around with this. And then like, the bad song that I had selected that I had practiced with my cousin who could play guitar or something, they're like, do some dance moves with it. So I was just like, I don't dance, but I started doing these ridiculous things and they're like, Yeah, good. They laughed and you know, I, I think it also let me relax. They're2 (31m 38s):Like, you are crazy enough to be in theater school. Wait, you guys, should we have a documentary series about people who are auditioning for theater school? Because honestly like the stakes are so high for so many people. I bet there's 1 billion stories. Yeah, I mean, some of which we've heard on, on, on the podcast, right? Boz? Yeah,1 (31m 58s):I think we do. I think we do. And all the, I just remembered that in my monologue was from the play about the woman who traps the rapist in her house and puts him in a fireplace.5 (32m 10s):Oh, the burning bed or whatever. Not the burning bed, but the, Yeah,1 (32m 14s):Yeah. And it's, it's, it's William Masterson.5 (32m 17s):Yes,1 (32m 18s):Yes, yes. And, and she has a fire poker and she's poking the rapist and I am 16 at the time. Oh, and I what? And a virgin, not that that really matters, but like the whole thing is not good. And why, why did I do that? But yet I got, But5 (32m 35s):That's what this piece was the same thing. It was so dark. And so like, this person is mentally ill and she's like, I get, there's not a hammer.1 (32m 41s):Don't hit me bear.5 (32m 42s):And you're just like, What?1 (32m 44s):I'm like it would've been, I mean I know this is terrible to say, but what if they told me to turn that into standup? Like that would be dark, dark, dark humor. But any, Okay, so you, you clearly like, what I love is that smu like knew how to take a teenagers anxiety and like shift it and so good on them, those auditioners like good on them. So you did that, you did you walk out of there feeling like, okay, like it started off really wonky, like me being late, but like I have a chance. Or did they tell you, when did they tell you5 (33m 15s):I felt good like that? When I, after I left I was like, okay, you know, like I wasn't sure like, cuz I was like, it was weird that they told me to change it to comedy, but I think it was good, you know, And like I felt like the interview part went good and they were, at the time, my class, this was the first year that they, they eliminated the cuts program. So what happened is they instead they had the BFA acting track and then they had, well what was proposed anyways, they changed our, what our degree was, but it was supposed to be ba in theater studies. And so if you were interested in directing, you know, playwriting, whatever, stage management, tech, whatever, and then acting you could also have, so you kind of chose focuses, but that was it.5 (34m 2s):And it had more of a little more academic focus. And so cuz before me, the classes, everybody went in as an actor. You did first two years and then they kind of just cut you basically. And were like, you're in this free fall of like a program that wasn't really planned.1 (34m 18s):Yeah. I mean like, that's how our school was too. And like half the people didn't end up graduating and it was a racket and now they don't do it anymore. But that5 (34m 27s):Was a huge, yeah, they stopped my year.1 (34m 30s):Okay. So, so was it that the people that maybe weren't get getting into the acting program went to theater studies? Is that how it was proposed?5 (34m 37s):I think that's what they were trying to do. I think they were also trying to figure out a way, or they were try some people left. I think they were also trying to keep their numbers up. And I think they also had people who were like, Hey we're, I'm an actor but I'm also a director. Why can't you make, get me some classes here? You know, like, I wanna have the class. If you're gonna cut me, that's fine. But like, I'm interested in these things too. Can there be a program? And so they kind of were building that program, like they had it out there, you know, and that when they took our class, we had very set paths of like, and we had the same two years together as a group. So freshman and sophomore year. And then we split into our kind of disciplines and they kind of still, like when I was, when we were juniors, kind of like, here's some things and we're like, okay, but our class was kind of a hard ass and we're like, where's our, where's our, where's this class?5 (35m 24s):Where's that? So we were always in the office saying, no, this, this like afterthought of a class, this should then fly and you know, I'm gonna direct a main stage or I wanna direct a studio. And they're like, Oh. And they're like, No, this is how it's gonna work or whatever. So like, yeah, me and Tim and Tim, who actually is one of my coworkers, a kitchen dog and then a couple other folks were pr I think we turned the, the chair at the Times hair white because we would go in there and be like, No, this isn't gonna work.2 (35m 53s):You just, you just made me realize that our, this, all the schools who had cut programs who didn't have another track to go into after were missing out on such a revenue stream. Right? Like our, at our school. Yeah. All the people who got cut like went to this other college and I'm thinking, what, what, When was the meeting where somebody goes, Oh my god, you guys, we should just have something here for them to do instead of sending them to another school. That's hilarious. Well,5 (36m 17s):And I think too, they find like, you know, like that there's kids that truly have talent for, you know, like a playwright or director, but then they're also really good actors. Which I think, you know, I think it's really good for people who are like, I am primarily like, I'm a mix Tim I would say who my coworker is is primarily a director, but, but it's great for both of us to go through acting, you know, like that's been, that's, but1 (36m 38s):I'm noticing is there's no, like our school had no foresight into anything, so it was like they didn't, So that's a problem in a, in a university.5 (36m 49s):Yeah. It, here's problem. Right.1 (36m 50s):So okay, so at your school, what was your experience like on stage the star? Were you And then, Oh, okay. And then, and then my other follow up question is, man, the follow up question is you're launching into the professional world. What did your school do or not do to prepare you? And what was your departure like into like, okay, now you're 22, live your life.5 (37m 11s):Bye. I would say for, I was kind of a mix. Like I had a lot of opportunities while I was there and some self created as far as directing opportunities. And we had an interesting system of like, there was a studio theater and we were able to have, we had this studio system, which a lot of non-majors would come and see plays because they were required, blah, blah blah. But so we got to direct a lot, you know, And, and Tim really fought and he got directed main stage and I was, I was, my senior year I was a lead in a play, you know, like just all sorts of things. Like I had a lot of great opportunities at smu. I think I had some also, I had some good teachers and directors while I was there.5 (37m 53s):So when I was a junior, you know, they had Andre De Shields in to, to as a guest artist, which really stirred the pot because he was not about like, let's talk about your objectives, let's talk, let's really do some table work. Like, he was like, Why aren't you funny? I don't get that shit. Like, go, go out. Why aren't you funny like this? Or come up with some, some dancing or whatever, you know. He was awesome. Like, I loved it. Like cuz we were doing funny thing happen on the way to the forum. I was one of the, you know, concubines or whatever the dance, I was Tinton Nebula, the bell, the supposed to be a, like a bell ringer, you know, like sexy dancer. And he said, I reminded him of some lady he lived with in Amsterdam. So instead I was a clogger and had bells and had giant hair that went out to here.5 (38m 37s):And yeah. And so he was like, he was great. Like, and but it really gave you the experience, it makes a lot of people crazy because he was like not interested in their process. What he was interested in was like results and like hitting your marks and like, you know, like he had sent me away and he was like, come up with 16 beats to that end I'm gonna see something funny. And so I came back in and did it and he was like, yes. You know, like it was, it was awesome. Like he would, he would really was a real collaborator.2 (39m 3s):That's fantastic. And, and actually I'm so glad you told that story because, and I, I won't, I wanted you to get back to launching and everything, but the thing about the Andre Des Shield story that you just told, I can see why you like that because that seems like you a person who has the training and the gravitas and whatever to like take their craft very seriously, but at the end of the day, you're there to entertain and get the job done, right? Like you don't, you're not so precious about your own self. Yeah. Which is really interesting.5 (39m 30s):No, and I mean it was, it was so important I think just because, you know, like everywhere you, everywhere you go like, you know, you don't always work at the same place and everybody's process and everybody's way of rehearsal or whatever's wildly, wildly different. And so I thought it was great because you know, you're not going to go always walk into some place where they're gonna coddle you or, or, or take the time or whatever, you know, like it's different.1 (39m 56s):The other thing is that like we, what I just hit me is that we've interviewed a ton of people and I'm trying to like think about like what does a conservatory do wrong is I think they forget that it's about entertainment. Like there becomes such a focus on process and inner work. What about the fucking entertainment value of like entertaining the audience? Like that goes out the window, which is why the shit is not funny most of the time. Cause it's like so serious, you're like, no, this is a fucking farse. Like make people laugh. Yeah. And it's like, I love that, that you're, you remind me of like an entertainer and I, I feel like I needed entertainment Conservatory.5 (40m 35s):Not, well I would say that, I mean I still use a lot of the training that I used at SMU like, like at Kitchen Dog. I mean this was founded by SMU grads. So you know, a lot of the doing table work and talking about what you want and all that kinda stuff like that is definitely part of what we do. But what was cool about Andre and I love and Des Shields with all my heart like was that you found a way to make your process work in his framework and, and he got results. Like the, our show was funny as hell, like in the singing was great, the dancing was great and it looked great cuz the Eckhart's did the costumes and all the sets and it felt like we were in a professional show.5 (41m 15s):Like it was, it was exciting and fun to do. So I thought it was a great way to kind of get ready for what it was gonna be like. Cuz I remember auditioning for the show and he was like, Where's your headshot? And we're like, nobody told us. And he's like, This is an audition, why don't you have, I don't understand why you don't have a headshot. And you're just, just like, oh God. Like, and it was embarrassing, you know? And then he was like, All right, I wanna do the, he's doing some improvy things in that in the thing and people couldn't get like, people were like, and he is like, just jump in man. And he was like fantastic. And you know, you get a call back and you're like, okay, I see how this works. So that was great. And we also had a lady named Eve Roberts, same thing. She was pretty brutal too in that, you know, if you weren't ready to go, she wasn't gonna baby you.5 (42m 1s):So she would just basically like you're oh, so you don't know your lines. Sit the fuck down, Sit down, who's ready to work? Cuz it was an audition class and she was a film actor with a lot of experience and it was auditions for both film and and stage. But she, if you weren't ready, but if you were ready, she would work you out. Like you would get a great workout, you'd leave with a great monologue. And so I was like, always be prepared for that, you know, cuz she will, she will, she will get you if you're not,2 (42m 27s):Honestly it really sounds like SMU did a much better job than most, most of what we hear about in terms of like getting real working actors and, and it's a tough thing. I I, you know, I don't really blame any school that doesn't, It's a tough thing if it's a working actor, then they're working, they don't have time to like commit to the, the, the school teaching schedule. But at the same time, like if you don't have any of that, then you are really, you're experiencing all that on the job. Which, you know, which is fine too. But it sounds like SMU did a better job of preparing for you, preparing you for a career.5 (42m 57s):I would say somewhat. Yeah. I mean there are things that I, you know, as, as I entered life because I was of the mind when I, when I graduated, I was really torn about whether or not to go to grad school or not. And I really didn't know cuz I really, I, and I still to this day have a split focus. Like I act and direct both in the, you know, in the theater. Like I do both. So I wasn't sure which way I wanted to go and you really had to decide to go to grad school. So I was like, you know, I'm gonna take a year off is what I decided. And I waited tables, lived life, you know, whatever, didn't even really do any theater or stuff.5 (43m 39s):But I tended to like work back at smu. So like they would have me come back and like I would sub in and cover like Del Moffitt who was the man who was the auditioner who auditioned me originally and his improv class. Like I'd come in and do cover him for a month if he went on sabbatical, you know, stuff like that. Or like, and I directed a couple main stages there. That was it. So I just decided end up, I started working more in Dallas and ended up just staying in Dallas. Dallas was not what I plan where I planned to stay. Like I kept in my mind, you know, thinking like I'm gonna move to Chicago. Like that was my dream was living in Chicago and because I guess I'm a tourist and stubborn and lazy, I don't know, sometimes you just start working and you're like, nah, just stay here.5 (44m 26s):I'm working and I can kind of do what I want. And then I got an agent and I was like, oh there's this part of the, you know, like I think in 95 or whatever, you know, cause I graduated in 91, so you just start working and then it's like, why do I want to go and start over? And it was just kind of a hard thing to do. Do I have regrets sometime about not doing Absolutely. Like sometimes I look back and I'm like, oh man. But as far as just preparing, I think it's just hard to get prepared. Cuz I think, like, I wish I left with like, and they're doing this now, which is great, but like left with more of like what's, you know, good, what's a good headshot? What's what, what, you know, how do you walking into a room, how do you handle it?5 (45m 7s):You know, like there's certain things that I feel like they could train and give you a little bit more experience, life experience in it. But I think they have some new, I know they have, I know they have film acting now, a little bit of film acting stuff there, which is always good just cuz that's how a lot of people make money.2 (45m 26s):I, I am, I'm happy to say because we've had, we've had this conversation so many times with people about the way that schools didn't prepare you. Somebody's been getting the message about this. My son is in high school and he goes to this like auxiliary performing arts program. It's like half day his regular high school and half day this and he does a seminar once a week on the business of music. And you know, what, what kind of jobs you're gonna have to do to keep, you know, to pay the rent while you're waiting between gigs, like is very brass tack. So, so the message has gotten through, thankfully.5 (45m 58s):Yeah, the business is important, man. That's how you survive. I mean, let's be real. I mean like that's, and it's not easy. Like if you're, like, if you're going to, I mean there's, sure there's two or three unicorns every so often, but for the most part you're gonna have to wait tables or cobble together bunch of odd jobs or cobble you know, like all these little, like, I'm a, I'm gonna do the Asop Fs in the, in the elementary schools for three weeks or whatever, you know, like, and how do you make rent? You know, like that's, it's not glamorous for sure.2 (46m 27s):So what was the journey from graduating to founding Kitchen Dog with your classmates?5 (46m 33s):I actually am not a founder. So Kitchen Dog was founded by five SMU MFA students who were in the MFA program when I was an undergrad. So I, so I ate that old, thank God, but they founded it in 90, did their first show in 91, which I saw it was above a, it was above a pawn shop in deep with no air conditioner in May. It was very hot and fantastic, you know, Maria Ford has his mud, it was great. And so I did my first show with them in 93. So a few years after I graduated, which Tim, my classmate directed, he had come back, he was in Minnesota at the time and then I've just worked with Kitchen Dog ever since.5 (47m 15s):So I became a company member in 96, started working for the company as like an admin producer type person in 99 and then became co-artistic director when the founding ad left in 2005. So I've been here forever. I do not have children. I say that Kitchen dog is my grown mean child. You're1 (47m 36s):Grown mean, did you say mean?5 (47m 38s):Yeah, I did say mean sometimes. Yeah, sometimes it's very, you know, temperamental.1 (47m 42s):Yeah, that's fine. That's, I mean, yeah, it's probably still better than kids, I'm just saying. Anyway. I mean, I don't have any, so, but okay, so what do you, this is what I always wanna ask people who have longstanding careers in theater and especially when they are co-artistic director or artistic director, why do you do it and why do you love it?5 (48m 6s):That's a really good question. I mean, it varies from time to time. I mean, I think that I, you know, Kitchen Dog has one of its tenants has always been about asking, you know, we do, we do, I hate the word edgy, but we do edgier plays, we do plays that are very much talking about the world around us. Challenging, you know, and we're in Texas, it's, you know, sort of purple state now, kind of exciting purple parts. At least Dallas is hopefully this election goes that way. So, you know, it's, we, I feel like our place in the Dallas Zeki is important because, you know, we're not doing, there are a lot of people that do traditional plays and do them well, you know, like straight ahead, you know, musicals or you know, the odd couple or whatever.5 (48m 53s):Notice this gesture, the odd couple and doing great. But we do new, we do newer plays. We're a founding member of the National New Play Network. And so that's kind of kept it relevant and kept it exciting. The work exciting to me. I love working with new plays and new ideas and we have a company of artists, some of which went to smu and I, I think I've stayed here this long because, you know, I feel like I can, I, I do, I am able to do the kind of work I wanna do. I'm able to choose the plays I wanna be in or direct and I feel like they're important for my community. And when it becomes that, it's not that then I need to leave or step downs is my feeling.5 (49m 37s):I mean, you know. Yeah, yeah. I dunno.2 (49m 40s):Yeah. So many people say that, that they, that they, they keep their allegiances to theater companies because it's, it's often the work that they really, you know, f feel moves them is very, you know, is very inspiring. But then you also got the opportunity to do a very good part in something that was commercial, which is breaking bad. So could you tell us anything about your, how you were born into that project?5 (50m 8s):Sure, sure. The, I, you know, I got an agent, did you know, I had no experience, no resume. So you did the couple of walk on, you know, like, I'm in the back of a bank commercial, fantastic. Or whatever, $50. I love it. Did that and Lucked into Robert Altman. Came to town and did a very terrible movie called Dr. T and the Women. But it was a fantastic experience and I was one of the nurses and I was on set every day pretty much. So he's told me, he told us, he's like, I'll make you a lot of money. You're not gonna be seen a lot. You'll be here every day. And we got out by five and I was able to do plays at night. Like it was, it was Chef's kiss the best, like you just kind of learned from the master.5 (50m 52s):Like he is a, he truly was a master god rest his soul. Anyway, so I started auditioning more, did some walkers cuz everybody does did Walker back in the time Walker, Texas Ranger. It's like1 (51m 2s):The er we'd all did the ER and the early ion in Chicago. That was my so walker, same thing. I love a good walker by the way, Texas Ranger.5 (51m 13s):So ridiculous. Yeah, I think one of my lines in one of the episodes I was in was like, you won't put this on your lighty friends tabs. Like it was so country. Anyway, it terrible. But so with the breaking bad thing, I, I read the sides. It actually was the, the person who was casting locals or whatever, not locals cuz it was shooting in New Mexico, but it was a woman in Tony Cobb Brock who was casting in Dallas. And so we got the sides, I got the call to come in and audition for it. I read it and I was like, you know, and this is the story I've told a lot, but it's the truth, which is I read it and I was like, It's gonna be a blonde, big boobs woman. Like that's what I thought when I read it, I was like, it's gonna be this.5 (51m 54s):That's what it's gonna be. Cuz there were a lot of jokes about boobs and you're killing me with that booty. Like there was a lot more to that scene. My first scene there was a lot more. So I was like, whatever. I was like, it's not, I'm, you know, I'm a plus size lady, I have brown hair, I have a, you know, deep voice. Like, oh well. So I was like, why do I feel good in, So I just wore, I remember I wore this Betsy Johnson dress that, cause I was kind of into Rocky Billy Swing at the time. This Betsy Johnson little dress with apples was real sexy and this little shrug and had my hair kind of fancy. And I was like, I'm wearing this. I don't give a shit. So I, I was like, I feel good in this, Who cares? So I walked in and there were a bunch of ladies that were blonde and had professional lady outfits on and I was like, Oh shit, I should have dressed like a secretary.5 (52m 38s):Why did I dress like this? Oh damn. And I was like, Okay, well whatever. It's, you're not, you're not gonna book this so who cares? Went in, I had a great audition, made Tony laugh and you know, it was what it was. And so I went away and I didn't hear anything for a while. So I was like, oh, I didn't book that. Oh well. And I was sitting in an audition for some commercial and I never booked commercials. I just don't, cuz I look one way and then my voice comes out and they're like, Oh, you can't play the young mom because you seem like Jeanine Garofalo or something. So your bite and smile is scary, ma'am. So I was waiting in the, waiting in the waiting room and my agent calls, or I got paged or, you know, cause it was that so long ago.5 (53m 23s):And she was like, Can you be on a plane in three hours? And luckily I wasn't doing a play at the time. And I said, Yeah, I can. And she's like, Well you booked it. You, you should go and so you should go home and pack and go to Southwests. And that was the story. And so I get there and you know, whatever found out that, you know, it's Bob and Kirk and start losing my mind and all this stuff. But what's crazy is, it's a crazy story. And then on when in season four finale, breaking bad spoiler alert, if you haven't watched it, but you're,2 (53m 52s):You're late if you haven't watched it. Like5 (53m 54s):It's, that's2 (53m 55s):On you.5 (53m 56s):Please watch it cuz I need, Mama needs to keep getting residuals. Cause she's, you know, not Yeah. But that final episode where I have a great scene with Brian Cranston. There's a, there was a podcast, Insider podcast, which I wasn't aware of, but they talked to Vince about, you know, Oh, who's she and how did you cast her? You know, cause this was my first like, actual scene, you know, like, boy, I don't, I have more than two lines. And he tells the story of like, and this, I just love this story, which is like, basically he had seen a lot of people that he didn't think was right. He wanted something. They kept showing him the same type and he was like, no, I I it needs to be something different. He's a different kind of guy. I wanted somebody who'd challenge him, you know, different looking. And the casting woman who had Kira, I can't remember her last name, but she had, you know, I'd auditioned for her a few times, been put on tape.5 (54m 43s):I don't know that it necessarily booked anything. She's like, Well there is this one girl, I think she's great. She's probably not right. I physically, she's prob I don't think she's right, but do you wanna see? And so he showed her and he was like, That's exactly what I want. And then I booked it. And so it's crazy. So you just never know. I mean I think that's the, I think that's the walkaway.1 (55m 2s):Okay. This is the,5 (55m 3s):This1 (55m 4s):Is the craziest thing. This is crazy. So I booked a show in New Mexico called Perpetual Grace. Kira cast it and Kira showed me to Steve Conrad, who's the showrunner in James Whitaker who was directing the episode. I looked nothing like the other people. My agent Casey called me and said, Can you get on a plane in three hours? You5 (55m 29s):Gonna1 (55m 29s):New Mexico? Same casting director, St. Kira,2 (55m 34s):The Kira, all these people, Kira,1 (55m 38s):Kira talk5 (55m 39s):Me. Well, and it's like that thing, you know, like you, you know, I think that's always the big takeaway, right? Is, is, and you know, and I, I think I read this not to feel like I'm fucking namedropping I'm not. But like, I read this I think in Brian's book too. But like, the thing is, is like all you can do is just like, just, they're calling you in for a reason. So you just have to say like, what is it in me? What's unique about me? That's this role? And lean into it and go for it in that regard because that's all you got. Like as soon as you start and I find myself doing this, I have to keep reminding myself, you know, to do this. Which is I'll read something like, oh it's this and try to play to what I think it is. Versus like, no, what is it in me?5 (56m 19s):That's this. And that's the thing I book when I do that, when I try to do the other other thing, you know? Totally. And start getting your own head.2 (56m 28s):The time5 (56m 28s):On here, God,2 (56m 30s):By the way, regarding name dropping, I never understand why anybody gets upset about that. I, it's like, well they're people that, you know, the people that you work with, they're people in your life. I mean, you're just saying their name. It's, it's not like you're cloud chasing. But anyway, that, that's insight. Girl. Walk me back to this day where you take three hours to get on the airplane. I wanna know how fast did you have to rush home to pack? What did you do? Did you have enough stuff? What was it like when you were on the airplane? Did you order a drink because you felt so fancy? Tell us everything.5 (56m 57s):Well, all I know is I had a bag and I got, I ran home, I had a roommate at the time, thank God. And I just said, Can you feed my cat? Cause I, I had a cat at the time. I was like, Please feed Loretta. And so I got this bag and just threw, it was really like, just stuff thrown in and I was like, do I need to bring the dress and shoes that I wore that, So I brought the whole outfit cuz I was like, cuz the jobs, some of the jobs I'd been on, I had to bring my own shit or whatever, you know, you have to bring your whole wardrobe and be like, Oh you want none of this? Great, I'll put it all back in my car. So I just threw that in there and then I just threw some random, I don't even know what I packed and, you know, ran to the airport, got on the plane, I think I did have a jack and coat cuz I was just like, I'm so freaked out in the plane.5 (57m 43s):Of course you know, you're going to New Mexico, so you're going over those mountains and you're just like, okay, I'm gonna die also great, but I don't wanna die. I just booked a big job or whatever. And then I remember the landing and getting in the van thing and they took me straight to the hotel and I, I remember opening cuz they, back then they, you know, you would get like your sides in an envelope like that in the, in the later years. That shit never, you never got printed stuff ever because people would steal it and whatever else. So I remember pulling it out and seeing Bob's name and freaking, oh, cause I was a huge Mr.5 (58m 23s):Show fan and I was just like, oh my god, oh my god. And I just remember calling my fr I have a friend Aaron Ginsburg, who's kind of an LA Hollywood dude or whatever. And I was like, Oh my god, oh my god. And he was like, Thanks for this spoiler. And I was like, Oh shit, I'm not supposed to tell people. And I was like, but I'm freaking out. And he was like, No, no, it's okay. I will tell no one. I was like, don't tell anyone I don't wanna get fired. But yeah, so I just remember sitting there and freaking out and trying to look at my lines and, you know, what am I, oh God. And then going there with my clo my little bag of dresses or whatever and they're like, we don't want any of this crap.2 (58m 57s):They're like, this is a high budget show. We got, we got costumes covered5 (59m 1s):Back then. I don't, I know back then, I don't know if they were that high budget, but it was interesting to me. The one thing is, is just how involved the showrunners of that show Peter and or Vince at the time, and then later Peter and Vince. But like, they have a color palette they have where they want the characters to go. Like I had, you know, that it got really paired down. I ended up having like, you know, just a few lines. But they took so many pictures, different outfits, different setups and like different color tones, like just setting what they wanted for my character. And I was like, holy shit or whatever. And they were, everybody was so, and everybody was so nice and friendly.5 (59m 43s):It's really remember your name to hear1 (59m 45s):And I'm glad you talked about it. Oh, I'm gonna, I'm, I'm in the rainstorm. So sorry. But like, it's so weird to be, I'm in the Midwest right now and I live in la so coming back here, I'm like, what is that noise? It's fucking fucked up and it's the fucking rain. Anyway, so what is so beautiful about this story to me is that even if we feel small, right? Like whatever, these people who are creating these iconic shows have such vision. There is literally no small character. Like these are their children and they have arcs they have. So it just makes me appreciate as creators, as artists, how much time love, energy goes into characters and storylines.1 (1h 0m 31s):And then we see maybe, maybe if we're lucky one eighth of it, but just know like the shit matters. Right? Like a5 (1h 0m 39s):Thousand percent. And that's the same thing with like, the same thing with Robert Altman. I mean like we were, you know, he, you know, I got to be part of one of those ma his signature long tracking shots, right? He, he would walk in the room and be like, Okay, what's going on in here? So what are you guys doing? What are you, what's happening? And I was like, Well where this, that? And he's like, Great, keep that. And when I come across I want you to be in this moment. You know? So like, and he's like, Teen are things like where he's following on my shoulder and Tina, I need you to do this and this is what's happening. And I've tried, I want, I'm just gonna think about some lines, just throw these out. You know? It was just, I don't know. And that's the same thing with Vince and with Peter. Like, they were really like, what is she wearing? Why is she wearing this? Where are you? Like, you know, what's going on?5 (1h 1m 19s):And like they were like, the scripts were so good. It was like you had to be letter perfect. Barry's like, oh it's a lot of improv. And I'm like, no,1 (1h 1m 26s):No. But2 (1h 1m 26s):Also it sounded like theater, the attention to, to detail and the, and the sort of like the vision and the way that, and you, that just comes through in the best series. The A tours you, you know, that they've thought about and5 (1h 1m 38s):They all love2 (1h 1m 38s):Theater, right? Yeah, right.5 (1h 1m 39s):They all love theater. They all do.2 (1h 1m 41s):So a bit ago you said something about how the, like lustiness that Saul, you know, Jimmy feels for Francesca didn't, you know, necessarily a lot of that didn't necessarily make it into at least your first episode, but it got revisited and Better Call Saul. And I really appreciated that because I was like, Oh yeah, I, I would've wanted to see more of that. You know, I, I wanted to see more of that like lush stage dynamic. But you had,5

“Investment fees, for most Canadians, really cause great damage to their ultimate retirement savings.”—  Larry BatesLarry Bates is a name that my clients and long-time listeners know well — I recommend his book to them regularly!Larry is an independent investor advocate, former investment banker, and author of Beat the Bank: The Canadian Guide to Simply Successful Investing. So, it's safe to say that Larry knows a thing or two about how the investment industry works — and how to minimize your risk and get higher returns. In fact, full disclosure: Larry's book is what helped me feel more comfortable about starting to invest!Larry believes that the average investor is not well-served by the investment industry.“Most Canadians are losing, believe it or not, 50% or more of their lifetime investment returns to fees they don't even see or understand,” Larry explains.The investment advisors at your bank do not act in your best interest. It's important to make informed decisions about your investments!In‌ ‌this‌ ‌episode,‌ ‌you'll discover:‌ ‌How sneaky investment fees seriously hinder your investment returns and retirement plans — and why so few people know about them How fee disclosure laws work (and don't work) to reveal the true costs of investing The low-cost, alternative investment products you should considerAbout Larry Bates: Larry Bates is an independent investor advocate, author, consultant and speaker. Larry enjoyed a 35 year banking career with several major financial institutions in both Canada and the U.K. He is currently an investment advisor with Aligned Capital Partners Inc. Larry is on the board of FAIR Canada and is an Ambassador of the Transparency Task Force.  Highlights:‌ ‌00:44  Introduction01:45  Meet Larry Bates02:55  Beat the Bank06:01  Fee disclosure law09:01  Importance of learning the basics10:16  Investment firm v. ScotiaBank story12:04  Trust deficit v. trust surplus14:03  Index ETFs & robo-advisors 16:38  How to use the market20:08  T-Rex Score & FAIR22:58  Takeaway ‌Links:‌ ‌Larry Bateshttps://larrybates.ca https://www.facebook.com/profile.php?id=100014692831838 Twitter: @LarryBatesBTBLinks:‌ ‌Link to calendar (free 30 min consult call)Main website

País Estados Unidos Dirección Robert Redford Guion Matthew Michael Carnahan Música Mark Isham Fotografía Philippe Rousselot Reparto Tom Cruise, Robert Redford, Meryl Streep, Derek Luke, Michael Peña, Andrew Garfield, Peter Berg, Louise Linton, Larry Bates, Kevin Dunn, Christopher May, David Pease, Heidi Janson Sinopsis Narra tres historias vinculadas entre sí: en Washington, un congresista (Tom Cruise) concede una exclusiva a una periodista (Meryl Streep). Al mismo tiempo, un idealista profesor (Robert Redford) de una universidad de California trata de motivar a un alumno aventajado de su clase. Por otro lado, dos soldados americanos destinados en Afganistán, antiguos alumnos del profesor, resultan heridos en acción y quedan aislados mientras esperan ser rescatados.

ARCHIVE (11/09/04, episodes 91-92, runtime: 55 mins) Jesse Lee Peterson interviews Dr. Larry Bates about economic principles and the current times in America under the Bush presidency. They discuss the notion and effects of minimum wage, Democrats, and media, and in what ways to support George W. Bush. Larry talks about gold and silver, recession and depression, and historical influences on our economy — from the Founding Fathers to John Maynard Keynes, to bankers and the Federal Reserve. He speaks from a Christian perspective on using money versus loving money. (Originally aired on God's Learning Channel.) TIME STAMPS 00:00 Ep. 91: JLP on GLC 01:01 Dr. Larry Bates: Clinton/Bush recession 04:39 Bush tax cuts: Not enough? 07:16 Deceiving the people 09:51 On the blacks 12:38 Economy, bankers, Democrats 15:26 Minimum wage, socialist unions 21:20 Democracy mob vs republic 23:42 Economics, Bible, Federal Reserve 28:07 Ep. 92: Gold, history, central banks 33:20 Andrew Jackson vs bankers 34:49 Collapse, Keynes, War 38:44 Exploitation, slavery 40:05 Christians, Bush, End Times 44:04 Money the root of all evil? 46:20 Larry's financial advice 54:01 Support BOND Jesse Lee Peterson hosted a show and made numerous appearances on @God's Learning Channel between late 2002 and late 2005. SEE MORE: https://www.youtube.com/playlist?list=PLpSkvyhrlXraijfb60xKna4tkPMp4ScOJ

In this episode, Ellen Roseman speaks with Larry Bates, author of the book Beat The Bank: The Canadian Guide to Simply Successful Investing. They talk about banks, advisors, low-cost investing, fees and retirement.

We're going back to 2006 when Bob Enyart debates Larry Bates. Since Larry is a Godly man, this debate might be somewhat hard to listen to, so as we go through this, let's remember Proverbs 27:17. "As iron sharpens iron, So a man sharpens the countenance of his friend." (These debates do make for great radio!) This debate highlights the tragic point that Christians today value process > justice. Programming Note: Last Wednesday's broadcast with Doug mcBurney was temporarily unavailable. If you'd like to hear that, click here. Today's Resource: Focus on the Strategy Trilogy In Focus on the Strategy #1, using audio and video clips of Christian leaders, Bob Enyart presents seven lines of evidence that our national ministries have endorsed legal positivism, elevating man's rules and the Constitution above God, and giving them precedence above eternal laws such as Thou shall not murder. Focus on the Strategy #2 not only documents the political sell-out of the pro-life movement, it answers the question of how to restore the movement and end America's 'legalized' child killing. Focus II stands alone, preferably viewed before Focus #I, and documents that: Colorado's Republican Governor John Love signed the nation's first permissive abortion law in 1967. Republican U.S. Supreme Court Justice Harry Blackmun wrote Roe v. Wade. The 7-to-2 Roe v. Wade ruling was approved with five a Republican majority of five votes. The Republican Justices now on the Court (including Scalia, Thomas, Alito and Roberts) oppose personhood. All six Republican judges on the 11th circuit (nominated by Reagan, Bush Sr. & George W. Bush) voted to kill Terri Schiavo. Republican "pro-life" heroine Priscilla Owen voted to abort "Baby 10" as a Texas Supreme Court judge. Republican "pro-life" hero Samuel Alito sided with Planned Parenthood in repeated 3rd-circuit rulings, including ruling to keep partial birth abortion legal. Republican George W. Bush refused to support South Dakota's total ban on abortion. Hundreds of pro-life laws that regulate abortion that will actually keep abortion legal after Roe is overturned such as the Informed Consent laws. In Focus on the Strategy #3 Bob Enyart presents the 3-pronged strategy to end abortion in America. Three-fold Strategy: 1. Criminalize: recriminalize the intentional killing of the unborn and other innocents through state and national personhood efforts. 2. Demoralize: create unbearable social tension and ensure that there is no child killing with tranquility in order to coerce the government to correct the injustice of shedding innocent blood. 3. Evangelize: persuade individuals by education and evangelism to honor the God-given right to life.

Intro: Lost Boys, Chapelle's Show, Dianne Wiest, Brian Cox, Hillary and Bill. Let Me Run This By You: I need to KNOW what your major malfunction is. Compulsive liars, mushrooms.Interview: We talk to Scott Torrence about raves, feelng famous as a club kid, and surviving Tulsa.FULL TRANSCRIPT (unedited): 1 (8s):And Jen Bosworth and I'm Gina . We went to theater school together. We survived it, but we didn't quite understand it. 20 years later, we're digging deep talking to our guests about their experiences and trying to make sense of it all. We survived theater school and you will too. Are we famous yet? And then we watched lost boys, which by the way, the lost boys is the lost boys, like from the eighties and that movie. It's hilarious. So in a real way, like there's some comedy gold in that movie that both Myles and I were like, like, look, it's a cheeseball eighties movie, but it holds up.1 (53s):There's not, there's no real. I'm trying to think of like, look the thing that Dave, there's no people of color in the movie that sucks. Yeah. But in terms of overtly racial, racist, or sexist, sexist jokes, not, and obviously it's creepy and it's a vampire flake, but it holds up, I was shocked. I thought this is going to be a piece of shit. So what is the thought, how did you arrive at watching this movie? So, okay. So that is such a great, that's a great question in that Myles and I never agree on what to watch ever, ever, ever, ever his idea of like, he wants to watch good things, right?1 (1m 35s):Like he wants to watch real stuff. I have to be in a very specific mood to watch real shit. I can't be triggered about anything in any way. I can't, it's really lame. Like I can't, so you're a delicate flower. Yeah. And I think it's also, I just am unwilling to use the brain power and the emotional wherewithal to focus on something that's like really good. So, okay. So which is why I thought lost boys. Right. Cause who cares? But it was so good, but Myles likes to watch, like he wanted me to watch the harder they fall, you know, the new sort of Western on I, I watched a little bit and it was, it was, I thought it was really, really well-written, but it was also Uber violent and Uber, like it was just too much.1 (2m 23s):So it didn't. Okay. Chappelle show. Interesting choice. We started watching the first season of Chappelle show. Wow. Wow. No, it is not a shocker that Mr. Chappelle is, is having the problems that he is having. Now, if you go back and watch the show, it's really interesting. And I, I don't know where I fall. I do think that if you kill affordable housing, I hate your guts because those were all of my former clients. And also, and just for humanity's sake. So I hate that. And we talked about that on the podcast. Right. And then, but anyway, so we stumbled upon and I was like, let's watch it pops up on my Netflix feed because why not?1 (3m 6s):And, and I was like, all right, let's watch it. And I'm expecting it to be so bad. First of all, Diane weest is a goddamn national treasure. She,2 (3m 16s):She really is. She really is. She's such a good,1 (3m 20s):Okay. So if I had to pick my, I always play this game, my new parents, my parents are going to be Brian Cox and Diane weest. Yes. I mean, it's, it's going to be very weird, but it, it, that if I quirky, I told you how I met Brian Cox and asked him to be my new dad. Excuse me. It's a lot before,2 (3m 43s):After all of the time I've spent talking to you about succession and reading Brian Cox's autobiography.1 (3m 49s):I just remembered it. I remembered it when I was talking, thinking about Diane, Diane weest lasted. It was before it was during adaptation that Nick cage made. And I like, I somehow it was, he, he was in a anyway. It doesn't matter. The point is I got to talking to him at a party and I was like, I want you to be my new dad. And at the time my dad was still alive. Right. So, oh, wow. Like, you know what his response was. I get that a lot. And he was serious. He said, people project all this shit onto me.1 (4m 30s):I believe2 (4m 31s):That makes a lot of sense. Oh, wow. Very interesting.1 (4m 35s):Yeah. This is like, before I knew anything about anything and right, right,2 (4m 39s):Right, right.1 (4m 40s):Oh my God. So we watched the lost boys, all this to say, and we just did it because it was something that we both could agree on that wasn't going to cause me weirdness because I'm weird and it wasn't going to four miles or what ends up happening because I, you know, I was watching about a Canadian cannibal the other night and he's like, I can't watch this before bed. Like, I can't under fair enough. Fair enough. But you know who, the stars of this movie are the true stars. Corey Feldman inquiry, aim pain. Yeah. And the other frog brother, they were Hulu like Cory Ames, Hames, his him, Hey right.1 (5m 25s):With age Corey Haim's delivery costumes. Oh my God. The clothing, like from the eighties and his delivery and his, his acting chops, his comedic acting chops are like fucking unparalleled. They're like on par with some deep shit. Anyway. So I that's my recommendation wash the lost boys. I wish there were people of color in it, of course, but2 (5m 53s):Maybe they'll do a remake, but that seems to be the way that they, they, you know, fix that well, not to brag, but at my dinner, my mellantine dinner last night, two other very special people were at our same restaurant. Whew. Hillary and bill Clinton. Yes. And it was so moving to see them. It was especially her, him. I'm like, I've changed my tune a little bit about him, but, and she is just as energetic and bubbly and, and kind of course, I didn't want to go up up to them.2 (6m 36s):I've never done that, but I've never gone up to a celebrity and said, can I whatever, say hello or take your picture with her. But on the way out, they were seated in such a way that you could sort of see in when, when you left. And I just didn't, you know, I just blew kisses at her and she just, you know, waved her hands and gave me a big smile. It was really, really nice. That is so awesome. We it's okay. We didn't deserve her honestly. Right. We would have, we would've ruined it in one way or another. And then juxtapose that with reading this morning. I don't know how I got on this topic. I start reading about what's happening with Kanye right now.2 (7m 19s):It's really sad.1 (7m 20s):It's2 (7m 20s):Really sad. And why are we still in this place where we, don't not enough of us to know that this is not something to joke about. This is not something to salivate over. Like this person really needs help. And the rich, the Oop, the ultra rich in some ways are in a similar position to the ultra poor when it comes to basic things like, you know, health care, we've talked about it a lot with respect to drugs and all the yes, yes. People that are in celebrities lives that ultimately I think lead to their death, but also the, this issue of mental health going, and I'm sorry, but Brittany Spears seems to be going off the rails too.2 (8m 1s):I, I'm not saying that it was right. That she was in that conservatorship, but I think she was on meds that she's not on now. And I'm sorry. I wish it weren't the case that really sick mentally ill people needed to take meds, but they do. They just do there's no, it's just the truth. There's no point in like, quibbling about it.1 (8m 29s):All this to say. I have never been in the presence of someone who literally is a compulsive liar. Like I've been around people that, cause this is LA right. Everyone is a blowhard. This person is a pathological compulsive liar. It is so, so, and the reason I bring it up is one to gossip, but to like, right, but to, to talk about this is why, like I was thinking about you, how you posted, how you saw that my name is Anna, right? Like, and how we're writing about Agnes.1 (9m 10s):Right? So Agnes, I don't think is a compulsive liar at all, but she's a con person. So there's there's and this person I was around was fascinating. And I actually, once I knew the diagnosis of a person of this person, it, it, it, it settled me. So I find, I don't know if you have this experience where, when I'm around someone and I don't know what their major malfunction is, but there is a malfunction, I am petrified. Right. I'm like, stick me in a room. And someone's like, okay, this person has narcissistic personality disorder with, you know, with, with, with psychotic tendency, whatever it is.1 (9m 57s):I'm like, okay, I know what I'm working with. Right. I know what I'm working with. The once her diagnosis, like this is a diagnosis that she's received, right. A personality. But anyway, it put, when I, so I could be in the room or outside with this person and I could say, oh, and this person is so narcissistic. They never listened to our PA, like they, they won't listen to our podcasts. She didn't even really remember who I was in a way in that way. Anyway. So they had a context or whatever. So watching a compulsive liar at work, fascinating, Gina, fascinating.1 (10m 37s):Because you can see as I'm, so I'm a kind of a gregarious gal, right? Duh. But like, I am, I like people, but I could see when I was telling a story, I was telling the story about my mushroom use. Right? And so how I tried to drive a car on mushroom, it's a Berry funny and sad and funny story. And it's a true story. Fucking happened to me with Ana Maria, who came from Vashon island and Jeffrey Brown and I, and Ana took mushrooms. You've never told me this story. It's the greatest story ever told. I mean, like you told me that you saw a family and you thought they were calling themselves the large family. That was when I was on acid. So different in solving or something different, different fake.1 (11m 18s):So, okay. Went to south America, went to Paraguay for a Migos, gave vaccinations. My partner was on a Maria Ana, Maria. She was from Vashon island off the coast of Seattle on bash on island is a hippie island on the, on the grounds of the police station. Grew hallucinogenic mushrooms. All the kids knew about it. Ana Maria decides I want to come visit you. We, we kind of made friends. I'm going to visit you in Chicago. She fucking brings tons of hallucinogens on the plane at 16 she's 16, I'm 16. But to just to disguise them, she puts them in a huge bag of popery.1 (12m 1s):So we don't know what's the mushroom and what's the popery okay. Oh, like just mixed it in. Oh yeah. So here in burping up. Well, so we didn't know Jeffrey Brown, of course. And he's fine talking about this. Cause we've talked about it. Jeffrey Brown is like, I'll do them with you. They were no measurements. There were no, we grabbed handfuls of what we thought were, oh, I was 16. Okay. Fine. It all was fun. We had a good time. It was really gross in my throat. Burned from the popery don't know how many mushroom caps I took probably a lot. Probably like, cause it doesn't take a lot, depending on the phone, it's all fun and games until they were, we, I had to drive home and I was driving my mom's Honda.1 (12m 46s):So I get in the car and we're on lake shore drive and I stopped the car and I say on lake shore drive and Ana and Jeffrey, we had dropped Jeffrey off and Jeffrey's like honest, like what are you doing? And I'm like, I have to stop the car because, and she's like, why? And I was like, I gotta be honest. I don't know how this car works. Like I couldn't figure out the mechanics of why it was. I said there's piston pistons involved. And she was like talking. Okay. So it crazy. So I'm stuck on lake shore drive. Right. And you were 16. I mean, there's so many things vulnerable about this attrition and I protein anxiety.1 (13m 29s):Right. So that's a whole, so, okay. Finally she's like, and she doesn't drive. Right? She doesn't drive. She's 16. She's never licensed yet. She doesn't know how. I barely know how so it was, she's like you have to pull back on. You have to, I think I probably managed to pull off a little bit and she's like, will you, do you know where you live? She's in a new city. She doesn't, there's no cell phones. And I'm like, I live, I know where I live. I live in Evanston. And so that was good. But then I get back in the car and I'm like, oh my God, Ana, I have bad news. And she's like, oh my God, what? And I'm like, there are people chasing us because the headlights in the bed, I was like, there are a lot of cars chasing us. What do you mean women?1 (14m 10s):Yeah. And I was like, oh my God. And so I then started to panic, of course. And I, and I go home and I'm like, my parents are having a fucking dinner party Sunday night. Here's this poor girl who brought drugs on an airplane with me who doesn't know my parents from Adam. I lived with her for two months. They don't know her. So I walk in to the dinner party and I say, I'm so sorry to interrupt, but I've just taken. Apparently I've just eaten a lot of hallucinogenic mushrooms and I'm, I'm freaking out. And my mom goes, oh my fucking God.1 (14m 52s):Like she like was pissed off. And my dad just put his head in his hands and was like, I'll talk you down. And so he was lovely. Yeah. It was great. My dad, thank God. He was a psychologist, even though he's fucked up. He had some training in this. So I sat with my dad and talked for, and then they were like, we got it. He's like, you should eat something. So like, they should have ordered it, but they're like, no, let's go to the bagel. And I'm like, okay. So we go. So we all go, my parents and this were this woman who is unknown to us other than now my parents know she's a drug dealer. Right. So we go to the bagel now.1 (15m 33s):I don't know what was happening, Gina, but we walk into the bagel and there's a clown and full clown suit behind. And I start hyperventilating and I want to leave. And my mom was like, no, you have to stay like, she's punishing me. Right. So I'm like, oh my God. Oh my God. So we say it was like a birthday party or something, but it was like Sunday night. Okay. So we sit down, the waitress comes over to the dinner party. So they all leave. Like it was a bad situation. It was like three other couples crisis teenage crisis. Okay. They leave whatever. All right. So then we go to the bagel and we see the clown or I'm like, oh my God, no, no, no.1 (16m 16s):So we set in another area and the waitress comes and literally this is what happened. My mom's like, Hey, the way they were, my mom is like a huge, super dot. And she goes, what's the soup. And the lady goes, oh, cream of mushroom. And then my mom and everybody wraps into laughter. I feel like I'm on, you know, again, tripping. So it was a bad scene. It was a bad scene. And, and I had panic attacks from that from weeks on. So I know that I need to be very careful, but okay. I tell the story for this reason. One, it's a funny story. Yeah. It was my introduction to psychedelics, but too, as I'm telling this story, I see this other person at the party livid and thinking, how can I out story this story?1 (17m 10s):Oh shoot. Oh, no, I didn't mean for that. And I thought, oh, of course not. Of course you're not living your life to injure and are looking and looking at me and thinking, you can almost see the wheels turning about like, how am I going to one up the story at this dinner party outside at 8:00 PM. Like, it it's crazy, but there's competition going. And I'm like, and then, so then this person launches into this totally unbelievable, like crazy story about hallucinogens. It was so sad. And I, I wanted to say so many things to this person.1 (17m 56s):I said nothing, cause I'm not.2 (17m 59s):Yeah. Right. That's, that's their, that's their journey. But did the person whose name we will have bleeped by the time this airs, did that person like say something to you in advance? Or you're just saying you experienced this compulsive liar.1 (18m 14s):No, no. They've known, you know, they've known this person forever and it it's the things that this person says is wild. Like we'll say I bought a house and they didn't buy a house. I am going to Greece tomorrow.2 (18m 30s):No, no. And, and the person who was having the party is just okay with it because1 (18m 36s):My husband chimes in. Cause he's, he's, he's like, why, why the fuck are you friends with this person? And they say, it's like family. It's like this weird. And the answer is, I don't know. And I don't think they know.2 (18m 50s):Yeah, right. Anyway, he was like family. I well, and you're right. What you said about when, when you know the context, I like, I have a few friends who, yeah, they, they have diagnosable personality disorders, but knowing this about them and loving them anyway, kind of gets me off the hook of like having to feel bad about it or having to feel worried about it. I mean, yeah. Those are not the people that you're necessarily going to go to with your, every intimacy. Right. But, but to just, just to like, know what brand of crazy you're dealing with can kind of make it because at the end of the day, you know, the only way, not, not that it was anybody's job to change the compulsive layer, but the only way that those people ever do eventually kind of see to a life full of more integrity is not by, I mean, sometimes I guess it's from people abandoning them, but mostly it's from people saying, you know, I love you.2 (19m 47s):And I know you're lying to me, you know, which is a hard thing for me, lying is like, is that if I'm, I don't think I've ever said before that I have a trigger, but that's, my trigger is lying. When somebody starts lying to me, I, I well up with such rage and I realize it's my own narcissism. Right? How dare you lie to me? I, you know, like as if it's something they're doing to me, instead of something that they're doing defensively for themselves in the same way that everything I do is defensively for myself. Like it's just a different brand of defense.1 (20m 25s):Yeah. It was wild2 (20m 26s):That, that recasts my own experiences with that person. Wow. Okay.1 (20m 34s):Yeah. And criminal, we've talked about this criminal things. So it's just, it's what it is for me was real reckoning with my own desire. Right. To be something that I am not like, I understand that in my bones. Okay. I guess, I guess like I practice before, like say, what would I say to this person? Cause I thought like if I was to try to quote, help this person, which I'm not going to try to do, but I'm just saying like, okay, well the urge is there to, to compat have compassion.1 (21m 16s):This is what I would say, oh, how I get it? This deep down in my bones need to be something I'm not something greater than I'm not than me. Something prettier, something thinner, something more attractive, something smarter, funnier, all the things I know that feeling. So what I grew up with that feeling it's been reinforced and I know it in my bones and I have tried every way I can think of to combat that. And nothing has worked except for the thing that I'm running the most away from, which is the truth.2 (22m 5s):Right.1 (22m 5s):It's such a fucking catch 22. It's like, so when I tell the truth, I'm so scared sometimes to tell it whether it's, I feel inadequate, I made a mistake. I, whatever it is, I'm feeling less than I feel you're mad at me. I feel all the things. If I don't say that, if I say anything, but the truth, the suffering I experience only gets multiplied.2 (22m 36s):And the person who is a compulsive liar in a way you could think about it like being a verbal tick, like if somebody had Tourette's, you know, and, and was an, every other thing they uttered was like an involuntary sound. That's almost how you could think about the compulsive liar. My, the problem that I have is I get into this thing of like, well, if I don't confront your lie, that I'm co-signing it. Which actually is not how it works. Right. I, I'm not in charge of what you say. You, you, you have lies spewing out of your mouth. I mean, that's, that's your problem.1 (23m 8s):Right. It's so interesting. And I think it, I think it, it, it, it, it just is. So it's just a fascinating part of human of human. What is it like pathology when stuff gets, and that's the way it manifests, because we just want to be so much sort of more safe and, and special. We want to be safe and special.2 (23m 39s):I think it would be like for a person who is so sick with the line, what do you, it would be like for them. I mean, what, I wonder if it's something as simple as like walking through. Okay. So what do you think is going to happen? If you tell the truth? People aren't going to like me. Okay. Well, has it ever occurred to you that people don't like you for not telling the truth? Right. Well, people aren't gonna like you. And then what, you know, because of course the thing is like, the problem is not that other people aren't gonna want you to promise that you don't like yourself. This is, this is my news. Like not pro, not profound, but profound to me, realization about life.2 (24m 20s):Is this just like really the whole thing is whether or not you love yourself. Yeah. Right. And when you're talking about relating to other people, loving other people, supporting other relationships, like pretty much RuPaul said it, if you can't love yourself, how the hell are you going to love somebody else? It's just what it is. It's like a fact, it's not even really an opinion. And, and, and I, I'm on a journey of figuring out how to love myself. And it's really scary. It's like, I have no idea how this is going to turn out. I don't know, from this. Right. But so far my furtive little steps are turning out great.2 (25m 3s):As an example, you know, I was talking to somebody about, I was talking to somebody that I'm in a, you know, that I have a closeness with about prob not even problems, but just, you know, areas of challenge and in the, in the relationship. And for the first time I didn't take this person who was telling me what they are struggling with with me. And I didn't take it personally. I took it like, oh, you're telling me what your struggle is. Okay. I get that. I didn't, I didn't have to take it on, like, as my own person, didn't have to make it about my own ego.2 (25m 48s):You know, getting feeling rejected. I could really see. And it, the only thing I can attribute it to is I have somewhat more of a better sense of myself, such that I'm not constantly looking to another person to tell me if I'm good or not. Today on the podcast, we are talking to Scott Torrance. Scott Torres is an actor. You may know him from a film that started many theater school graduates like Sean Gunn and Judy Greer and Lee curves, some called the specials.2 (26m 33s):He was also in six feet under and a film called Ray and Buffy. The vampire Slayer. Scott is currently living in his hometown of Tulsa, Oklahoma. He is running his very own hair salon and he is funny and charming and sweet and lovable. So please enjoy our conversation with Scott Torrance, Any race. Oh, okay. Good recording progress. Got it. All right. Scott Torrens. Congratulations. You survived theater school.3 (27m 7s):Thank you. By the grace of God,2 (27m 10s):Grace of God. No. Wait, did you guys graduate the same year? Right? Because you, Scott was in the class right below mine. And then1 (27m 21s):What year did you graduate? 98. Yeah. We were in the same, but listen, but listen, I was so far gone that I don't, I just couldn't even, cause I took a year off that I don't remember. Literally I remember nothing. So, so yeah, they were the same class.3 (27m 39s):Okay, awesome. Cause I was trying to rack my brain. I was like, I remember you. I remember you being a year ahead of me, both of you. And then, you know what, to be honest, if I was just gonna blame it on a whole lot of ecstasy that I did for four years, I blown out a lot of brain cells as I there's a lot of things to remember. And a lot of things that I did,2 (28m 1s):That's good into it because honestly that I think, I mean, I remember that that is what you were going through or getting into or whatever you want to call it. You were the first person I knew who was like really into rave culture, which I thought was so cool and dangerous and adventurous and exciting. Was that something you were involved in before you came to theater school?3 (28m 26s):A little bit. I am from Tulsa, Oklahoma, and I was this little gay boy raised by my mom and my aunt. And I knew from the time I knew, I knew once I knew what a big city was, I belonged in. You know, I knew that I never belonged here. And so I just started acting when I, my, my aunt Coco, my crazy aunt, Coco was an actress around town and community theater. And she took me to see Peter pan when I was six. And I fell in love with it because they flew.3 (29m 7s):And three years later at the same theater company held auditions. And I was like, I want to play Michael because I want to fly. And I practice and practice audition for it and got called back. And I got that part and the bug bit. And from that point on laser focused, and one of the things that I have, that's a blessing and a curse, I think is I have the ability to get laser focused on something and not stop until I get it. But I usually get laser focused on the wrong things. Be it the rave culture and the club, the club kids. I mean, it was fun, but I, should've probably been focused a little bit more on class.1 (29m 48s):Well, I have a question. I think that for me, I don't think there's, I mean, look, I'm not gonna de eh, say your experience. Wasn't valid because it sounds like it, but at least you had fun, right. While the rest of us were like slick. I mean, like tell us what that was like, how did you get into that culture? Because I remember being like, oh my God, these kids are so cool and they're having a fucking blast. Was it fun? First of all,3 (30m 16s):It was so much fun. It was too much fun, you know, and coming into the theater school, I knew I wasn't going to be, I knew I was going to be surrounded by people that were better than me. You know, we were all kind of like, I felt like the best of where we came from, you know? So I was prepared to not be the golden child. But what was interesting was I was very curious and I was, you know, dropped into Chicago from Tulsa, Oklahoma. And so I had no fear when I was 18. I mean, I feared the professors, but not Chicago nightlife. And so I just, I went to pro bar one night by myself. I took a class, I waited in line, freezing my ass off for like an hour.3 (31m 1s):And then I saw these magical people, like just walk through with these huge platform shoes and this crazy makeup. And I was like, oh my God, I want to beat them. And finally got in and like bought my way to the back of the club where all of these fantastic people were. And I had the nerve to just ask one of them. I'm like, where'd she get those shoes? And I'm like, oh, I have a maid. I was like, where, okay. I like a cobbler or something like that. So I got my dad's combat boots that he gave me. Cause he really wanted me to be a tough guy. And I said, I'll keep these boots. And I took them in and I got six inches of like platform attached, dressed up in these, like these like striped overalls.3 (31m 49s):And I had this like matching hat and I wore those shoes and I walked up to the club the next time. And they were like, right, this way you don't have to pay. Like, and from that point on, I felt like I felt famous.2 (32m 4s):Never occurred to me until just now that raves or theater. I don't know why that current, till, till you just said it, you made your entrance and with your correct costume on, and then you got the part. Yeah.1 (32m 18s):Great. And you were also famous. Yeah. I mean, I think that's the other thing that I've learned from talking to people like you and another guest ed we had on kind of talked about this, that like that and watching documentaries that the club kid thing was a tr a mix of like fashion show meets theater meets like calendula, like D like, so what debauchery, but it's, it's a theater. It was like theater of it meets the fashion shows. It was fantastic.3 (32m 51s):I agree. And I also on the, on the touching on the famous part, feeling famous, not having to pay $20 at the time, which was pretty hardcore. I thought to get into anywhere. I was like hobnobbing with like a Dennis Rodman in the VIP lounge was totally, he was totally hot now. He's not anymore. Billy Corgan. I mean, I was hanging with these like stars. So I felt famous. I remember talking to Billy Gorgon. I was as tall as he was, because it was six inches on this five, seven foot body we were face to face and he like, where'd you get those shoes? They're pretty cool. And I'm like, oh my God, I love you so much.3 (33m 33s):Like, it was just, it was magical. But I was also like, I was so wrapped up that it got me into some like, kinda like bad situations. And do you mean like dangerous situations? Yeah. Yeah. Well, yeah. Okay. So did you guys remember the seven minute rule? Like if you were late seven minutes, the door would close and then if the door closed three times you were completely kicked out of school. It didn't matter if it was like last semester, senior year, three times you're out. And from what I remember, our credits wouldn't transfer.3 (34m 14s):So they put the fear of God in us to like, make it on time, which I agree with. Like, I think, you know, time is money. I've never really had a problem with being prompt, but there was one night that, okay. So I had bill Burnett for voice and speech. I think it was our second year. And I just could not with him. I would just say1 (34m 40s):I got in a fight with him in class where I stormed out, because he's told me I had, I was a chicken necking and that I did this too much. And then I looked like a chicken and I couldn't take it because, and I just stormed out that motherfucker. I never liked him. Well,3 (34m 55s):He just put me to sleep and granted, I probably wasn't on any sleep, you know, going into that class. But I risk, I risked it, that biscuit and I just skipped twice. I was like, I can't, I can't, but I won't miss the third time. Now this is kind of a dark sword, but I went to so Tuesdays and Wednesdays in Chicago where like the nights that like weren't ethic and back then, and I remember just going to this gay bar and boys town just to have some drinks. And I remember all of a sudden waking up in the emergency room with restraints on my arms and legs and a catheter.3 (35m 37s):And I was like, I had no idea how he got there. I was like, what happened? And finally the doctors came in and said, you know, you were fighting us. We were trying to have, and I, I don't remember. I don't, I'm total blackout. And you guys, I've never laid a singer on anyone in my life, but they said it was a possible GHB overdose or roofie overdose. So someone bought me a drink the one night that I just went out to just have like a couple of drinks, not like eat a bunch of eggs to see, and like, you know, dance still done anyway that morning. If I hadn't gotten out of that and gotten to build Burnett's class, I would have been kicked out.3 (36m 22s):So after they removed the catheter, sorry, this is Jolene. It was, it was very, very painful. And they took the restraints off. I was like, I have to get to Bill's class or I'm going to get kicked out. And I gained my Ivy out of my arm. I like dress as fast as I could. I ran. Cause I feel like it was really close to the theater school that ER, I ran to his class and I got in there in time. I was mortified, but I was like, I can't miss this class. Like I can't or I'll be kicked out. So yeah. Does2 (36m 59s):That mean you don't know what happens to you that night?3 (37m 2s):I don't. I, I don't think because the guy that I went with supposedly like just like dropped me off. But anyway, I don't believe that anything happened to me. I think that I was trying to fight maybe because I was like in a blackout that I felt like people were like trying to undo my clothing, but it was probably like the nurses and the doctors and stuff, you know?2 (37m 30s):Right. Oh my3 (37m 31s):Dad, it was nuts. And I think about it now and I'm like, oh my God, that really was fucked up. But you know what? I made it to Bill's class. And I been,2 (37m 40s):How old were you? Eight? Was that our second year? So 193 (37m 44s):Funnier, 1920.2 (37m 47s):Oh my God. Well, I'm really sorry that happened to you. I'm really glad that nothing, nothing terrible happened to you. But I wanted to jump just back to the thing that you said in the beginning about feeling famous, because that is what my, I wouldn't have occurred to me until you said it, but that is my impression of you like that. You not in a jerky way, but that you were, it seems, you seem very self-possessed to me. Well, and for sure you had a life outside of school, which many of us didn't, so that was sort of like intriguing, but overall it does seem like you have a lot of grit as a person.2 (38m 28s):Would you say that's true?3 (38m 30s):I definitely did. Back then. I had kind of had no fee, well, I had all the fear in the theater, but, but yeah, there was, I don't know. I, you know, I think it's that like invincibility thing when you're younger, you know, the older you get, the more, or for me, the older I get, the more I'm I cherish, you know, I, I think about what I have. Like, I don't just, I don't ride brides on rollercoasters anymore. Like the last time, I mean, I went to Hawaii a few years ago with my family and my mom, like I kept being told, like take the helicopter tour is magical. It's it is a religious religious experience. I was like, so looking forward to, well, my mom booked for whatever reason, book the helicopter with the doors off you guys, it was like an hour long panic attack.3 (39m 17s):Like my nails dug it into my mom was like, I was like, make it stop. This is horrible. And then when it was over, I was like, when did I become a web? Like when did I? But I think it comes with age, right.2 (39m 28s):It totally does. I was just talking to somebody about this the other day. Oh, it was about skiing. I was talking about, about skiing. I'm saying like, I just can't ring this bell of knowing people die from skiing, like from kind of minor, sort of you make one false move and you're just dead. And just seems like not a, not a way to, it's not worth it in terms of a way to go. If you're going to take a danger, take a risk, it should be like really, really worth it. But you, so is it right to say that the thing you sort of regret or feel badly about with the partying and school, is that you, that you might've almost gotten kicked out or did you, was it, was there more to it than that?3 (40m 16s):I don't think I regret it. I mean, I'm not trying to toot my own horn, but like I had to be somewhat talented to like roll into like Shakespeare class, no pun intended roll into Shakespeare class and do some Shakespearians on it after coming straight from after hours, like on no sleep, like, I don't know how I did it, but somehow I did it and I also came out, you know, alive that God, I had a girl in my class that something really horrible happened to. And I don't know if we, I don't know if we can bleak names.3 (40m 57s):Do you guys remember like names, like, remember who I'm talking to? So that could have happened to me. You know what I mean? Like I put myself not to say that she did anything wrong at all, but you know, that could've happened to me, you know? And2 (41m 13s):For the grace of God3 (41m 14s):There, before the grace of God out,1 (41m 16s):Did you make, were there a bunch of kids at, in our class, in our school that, that you went with? I remember some, but like, did you, or did you have two totally separate groups of friends?3 (41m 28s):So starting out, I remember listening to Noel's podcasts with guys and I heard her say I was sitting around at a friend's place and I'm like, let's go to a club. But I think she was talking about me because Noel was hot and I is beautiful. She's gorgeous. And I was like, well, that'll help me get into this club. And we were friends, you know? And so she was like happy, like hanging out in the VIP room. Whereas I was ex to see did something to my body. It made me dance all night long without stopping. And so I started dropping all this baby weight. And so there was another part of it, which was body image.3 (42m 9s):You know, I was as chunky monkey my whole life. And then I just started dropping weight, like crazy because I was dancing literally all night long.1 (42m 19s):Yeah. You literally were doing cardio for 12 hours at a time, right?3 (42m 24s):Yeah. Well, yes, yes, totally. I could ring my jeans out, my big old raver jeans that I got in a lot of trouble out of theater school for wearing. Cause they said that, you know, we can't see your full movement. I could ring those with. So, I mean, it was, it was like hot yoga for 12 hours, but like, or Zumba.1 (42m 45s):So what, w w why and when, and how did the party at,3 (42m 50s):So not till later on? Not till, honestly, not till after, so, okay. So I never felt like the golden child at the theater school. I don't know if any of us said, although listening to these podcasts, like some of the people that I thought were golden, they didn't, they didn't, you know, we all have this similar experience where it's like, oh, you were scared too. Oh, wow. I had no like, Hey, you guys are scared. I thought everybody loved them. Yale. The, the only real feedback like that I had that was positive from any teachers were John Jenkins and Jane Jane alderman.3 (43m 36s):And I know that's not, I haven't heard a lot of that on this podcast, but, and I almost had kind of like imposter syndrome in her class because I was like, well, she hasn't seen my work all four years. So like I, and I felt like that was kind of competitive, like pretty competitive, but grade.1 (43m 56s):It was very weird, very3 (43m 58s):Weird. Especially the girls. Like I didn't get, you know, like I didn't get a lot of, I don't, I didn't feel the same heat from the guys as I did from some of the girls. But anyway, so I had a really amazing, it's weird. Like I had the most amazing showcase experience ever. I think I was blown away. I couldn't believe it.1 (44m 25s):This is a great story because I'm obsessed with showcase stories and they've all been horrific. It pretty. So can you tell us your experience? I'm so excited.3 (44m 35s):I would love to. Okay. So I was like freaking out about a monologue. Didn't know what to do, but Jane, you know, Jane was just, she was just kind of, you know, she didn't favor me. I didn't believe she was just kind. And she was like, just ask Zack helm to write your monologue. So I reached out to Zach who I'd never, I mean, we weren't really friends. I mean, I knew who he was, but I got his number. I called him and he said, okay, I want you to make me a mix tape and send it to me. And I'm like, okay. He's like, don't think about it. Just make me a mix tape, send it to me. And so I did, and he wrote me this monologue and it wasn't, I think this is important for actors that are about to graduate.3 (45m 24s):It wasn't a character. It wasn't, I wasn't playing anybody else. It was me ranting on stage. I walked out and I just was going off about what really pisses me off in the world. And, and so I lucked out with that Chicago showcase. I was one of those, I walked off stage and I was like, I have no idea what that was. You know, that was an out-of-body experience. I don't know if that went well, then we go to LA and it was like, all the stars aligned you guys. Like, I cannot even tell you, I got out there. I like started into this laughter started happening. And I was like, okay, I've got these people in my pocket.3 (46m 6s):So I just go on and on and rant and rave. And I got a fucking standing ovation shut. I'm not kidding you. I could not believe it. I was like, is this real? This can't be real. Like it did that. Did I imagine that? And then I remember afterwards,1 (46m 21s):Oh my God, this is the greatest thing I've ever heard.3 (46m 25s):It was one of the best moments of my entire life. Rick Murphy walks up to me and he's like, well, someone did well this evening. And I was like, oh my God. And then Jane called me into her hotel room and she sat me down and she goes, okay, look, listen, I want you to know that you have more interest than Judy Leonard or Mike Moody combined. And I was like, are you fucking kidding me? She's like, no. So I need you to go home and get some, or go to your hotel room, go night night, because you are booked like this entire time. So I don't know what everybody else did. But I took meeting after meeting, after meeting, after meeting, then one of the1 (47m 7s):Interrupt, can I interrupt you? Because I just have a question. What was that I have where you like, my whole life is about to ch like I am now a star. Cause I would be like, Hey mom, I'm never coming home. Like I'm now fucking a star.3 (47m 22s):I couldn't, I couldn't believe it. I honestly felt like I was dreaming the whole time. I was like, oh, just my dreams are coming true. And I of all people me, like, because I just felt really not, I don't know. I just, I was never, I felt like I was never really liked by most teachers, you know? And I don't think they knew what to do with me casting what? I didn't, I couldn't picture me in a lot of things. Like I couldn't see a clear picture of where I belonged in the business.1 (47m 50s):It's so interesting. I think you hit LA and LA hit you at a time where you said the stars aligned, but they were looking for something and that something was you like, that is the clear thing of like perfect match and perfect time for that. Anyway. It's just so it's such, I'm so intrigued. Keep going, keep going.3 (48m 14s):No, I agree with you. So then I, then every, so I think people were there for two days. Maybe I didn't see anybody. Cause I was just, it was one meeting after the other. And then I was told I needed to stay a day later because there was this audition for this movie called rave. And I was like, okay. So everybody else flew back to Chicago. And I had to stay in the hotel room by myself and I got the sides to the script and I was like, oh my God, I'm going to audition for a movie in Hollywood tomorrow. And by the way, all the meetings that I took, they were like, go back to Chicago, get your sad card and then move out here. That was like, basically what everyone said, go back to Chicago, get your sad card, move back here.3 (48m 59s):So I go to this audition by myself. First of all, it's hard as fuck to find a cab in LA coming from Chicago. I was like, how the hell am I going to get there? But I figured it out. I went, I auditioned for it. I didn't really know how I did flew back to Chicago. And then I found out that I booked, I booked it and I was like, wow,1 (49m 22s):Are you fucking kidding?3 (49m 26s):Not totally true. And I wasn't sag. And so they did something called a Taft-Hartley, which I don't know. I think that I should probably look that up, but it's like waves of magic wand and now you're. Yeah. So I graduated and then two weeks later flew to Los Angeles. I moved in with so Zack helm, Kate McKinnon, Kat Phillips, Ellen, Mel's Jeff you'll Terman. We're all living in this huge house in Korea town. And they're like, we would love to have you as a roommate. And I'm like, that's great because I have no idea where the hell I'm going or what I'm doing.3 (50m 9s):I flew in $5 to my name. Oh, in saffron. Don't let me forget. Saffron also lived at that house, went to sleep, woke up and I think it was Kate or Zach that drove me to set the first day. Cause mean, I didn't know directions. I didn't have a car. And I started shooting this movie and it was just totally unbelievable.1 (50m 31s):I have to just say this whole thing is unbelievable, but like, can I ask you, like when you're sitting in these meetings, because you were like, what, how old were3 (50m 39s):You? I was 21.1 (50m 42s):So you're sitting in these meetings with people. Were you able to like, do you think here's what I'm making up? Okay. And I could be wrong. Like all your stuff with like the club scene where you have to pretend and dress up and like you, and you're already famous, kind of, do you think that helped prepare you for these meetings in terms of feeling like you deserved to be there?3 (51m 4s):I don't know if, no, but you know what it did teach me like hanging out with all those club kids. When I got the, the sides to that movie, I was like, I know this guy. I argued with this guy. I mean, I, it just felt like I could totally do this. And there weren't a lot of parts. I did bomb and Gilliad with John Jenkins, my second year as an intro where I got to wear my stacks in that, in that thing. And I got to be this like over the top, flaming, like hooker boy, not to say that, you know, but I, I had something to base that off of, you know what I mean?3 (51m 45s):So that was really fun. Rave kind of just like fell. Right? I mean, it was, again, it was luck. It was like winning the lottery stars aligned. I party with this character before, so I know how to play him. And, but, but they a lot. So the agency that I liked the most, they still wouldn't sign me. They were like, this doesn't happen. So, but we still like use, so we're going to hit pocket you and we're going to send you out on auditions. And I was like, okay. And they're like, and get ready to not work. And I was like, okay. And I didn't feel entitled. I mean, I felt like I was just lucky, like right place, right.3 (52m 26s):Time stars aligned. And they started sending me out on auditions. And then I remember going to an audition that they said, you know what go, you just need to go meet this casting director because she just want to award for buggy nights. And I was like, cool. Okay. And I went in and Sean Gunn was in the room and his brother was in the room. And I, it was like a two liner for this movie called the specials and Judy was in it and, and Sean was in it. And so I walk in and I do the two lines. They're like, did you Goodman? And I said, yes, I shared it. And they're like, thanks. And then I get a phone call for me. You booked it, come in and sign the papers.3 (53m 8s):Like you're signed, let's do this. And I was like, yes. So that paid off because connections. Right. Like knowing people, right? Like the theater school was a connection for me in that room. Little did I know then? But the gum brothers, how like amazing. Right. But, but1 (53m 25s):Yeah, you, you hit the ground clearly running like clearly. So you just, could, we never talked to anybody that literally has had this experience where you, your showcase went so well, that you basically just stayed, you, you, you, you moved to LA and you had an agent and everything, but I want to say, how was it shooting the rave movie? Just not knowing how to make movies? Like how did you do that?3 (53m 56s):Well, I learned very quickly that you know, the camera's right in your face. So I got, you know, I first day they were like tone it way down, dude. Like, camera's right here, you know, don't act for the back of the house. And I also was getting cues from my fellow actors. We were, I think the first scene, we were all like laying in bed after like this raid goes terribly wrong. And one of our friends Odis, and we're talking about like, is she going to be okay? And I'm like, she'll be fine. And they'll know like, listen, and the other two actors were like whispering and, and we were whispering in bed. I was like, oh right. Yeah, the camera is like right here.3 (54m 38s):Okay. I got, I got clocked by a couple of directors for just being too big. I did an episode about the, the vampire Slayer. And I, I was this half, this kid that blows himself up with a bomb and he's half zombie, half burned victim and comes back to wreak havoc on the high school. And I, all this makeup, it took like four hours to get into this makeup. And I would practice in my trailer and I'm like, and I did these nervous ticks and stuff for this job. I mean, I got called in like five times for this part, which was just like one episode. But I had, it was this nerdy guy with these ticks. So I was like, you can't really see what I'm doing in this makeup again.3 (55m 18s):I was just told you, bring it down, like stop being so extra. Like, we'll see you. And I'm like, got it. Okay. Gotcha. But yeah. Well, Scott,2 (55m 29s):At the risk of sounding like a terrible television movie, and then what happen because you got all this, what happens?3 (55m 38s):So the thing is I got really close to a lot of pilots. I would go in tests for network and it would always need it to me. And one other person, another person, and every single time it didn't work out. I would cry. Like I would, I would be devastated. And then, then I would go to work with like the swollen red face. Like I get red and splotchy anyway, I would get red and slushy walking into auditions that was before I knew anything about beta blockers, but Hey guys, if you're out there auditioning and you turn red as a beet, if you feel any sort of beta blockers can be a big help, but I was tired of crying. I was tired of having my heart broken.3 (56m 18s):I mean, and I feel like Larry Bates said on this podcast, confidence is everything. And I can, I cannot agree more when I would book a job, then I would be confident and that would lead to three more jobs. And then I wouldn't, and I wouldn't work for a year or more, you know, and then I would get so close. So close every single time. Nope. Nope. And my I'm S I'm a sensitive guy. Like I think I was like born with like an extra like dose of emotions and I was just tired of crying and having my heart broken. And I had had my, my laser focused on being a movie star from the time I was nine years, six years old, honestly.3 (57m 2s):And there was no plan B. It's so funny when my mom dropped me off at DePaul, she was like, you know, you could go to beat beauty school and like, learn how to do that. So you can cut hair in the dorms to make money. I'm like, there's no plan B. Like I'm going to be a movie star. That's all there is to it. Well, that's what I do now. I own my own hair salon. So she, you know, but it all worked out the way it was supposed to, but basically I stopped because I was like, is there anything else in this world that will make me happy because I am miserable right now. I'm tired of crying every day. You know, you're selling yourself, they're telling you, you know, there's only so much rejection that I could take at that time.3 (57m 45s):So1 (57m 46s):Where you, where you still did you feel like you had a community out here in LA or no? Like, did you, or, and also where did the raving continue in LA? Yeah.3 (57m 56s):Prior to that? Yeah. So I was also suffering from like, I don't know if this is stage fright or a mixture of stage fright and drugs, but anytime I would get, you know, like I would go out for something that I got really excited for. I remember they were casting this gate character on Dawson's Creek. And I was like, oh my God. Oh my God. Oh my God. I couldn't remember the lines you guys. And it was, it wasn't, you know, pages and pages, but I just, I was psyching myself out. I did better at auditions on things that I didn't know really a whole lot about. But yeah, I, so I, I think it was a mixture of partying and also just kind of like being set up and I couldn't remember the lines and there's nothing more humiliating than, you know, that's like the bait, you know, you guys know when they're like, listen, remember those lanes,1 (58m 53s):I have the same thing. And so I was diagnosed. It's like, my therapist literally thinks that what happens is that it is, it's obviously anxiety, but it's also, there is some kind of shame, fear of shame that happens that becomes so large shame of not remembering shame of not doing well enough. This is for me. I don't know if this resonates with you, but like, and she was like, it is. And then the brain literally shuts down and, and goes into, I will protect you at all costs, which means all of my resources have to go into like, basically keeping you in your body and who gives a shit about copy written by some dude in a room like you now are in survival mode.1 (59m 43s):So that's, it's panic, it's, it's panic and it's fear of humiliation and it it's real. And it, and it has really debilitated me as an actor and I'm still working through it.3 (59m 56s):Yeah. Can I just tell you both, I'm so obsessed with you, both, like, are you, did you both become therapists at some point? Because this, I, I, I, I so wanted to, I'm a huge, huge fan of therapy, huge and endorsed it, love it will go for the rest of my life. And there's a part of me that wishes, gosh, you know, if there weren't so much school and if I wasn't 46, like I would love because it's fascinating to me. And I think you're absolutely right, Jen. I think that, you know, it was like, I remember, okay, there's really, really bad, bad show on MTV TV.3 (1h 0m 37s):It was called undressed. And it was this really bad soap opera. And I, and it was really bad acting. But then when I got on, on set, I was like, oh, it's really bad acting because they're giving everybody line readings. Like, they're telling you to say it just like this and I forgot my lines. I kept forgetting my lines. They were getting so frustrated with me. And I was like, I didn't know that I could never ask questions. Like, I was always scared to ask for what I wanted. Like I just was like, I don't know, just, oh, sorry. I'm bouncing all over the place. But Christine Goodman said something so amazing. And in her podcast about how the whole MFA's, they looked at it as like, I'm paying you to learn that blew my mind.3 (1h 1m 26s):Like if I went in with that, just, just with a notion of that, like, oh my God, I, I taught, I mean, she just, I love her so much, but I wish that I had thought that a little bit more. And I mean, that's not the case when you're working on set, but you know, in Hollywood they're paying you to do a job, but like what Lee paid those, those professors to teach us. And I feel like some of the things that I don't know, th their behavior, I think sometimes we wouldn't fly today. I'll tell you that1 (1h 1m 57s):Right now. Well, no, it wouldn't.2 (1h 2m 0s):Well, you probably know boss and I are kind of big into this idea that like, when success doesn't happen to people or it doesn't happen in the timeline that they want or whatever, it's often for the best, because you know, like I've said to her, if she hadn't made all of these terrible choices, basically turning down opportunities that were coming her way left and right. She might have found herself fit successful and not able to handle and kind of blow it up. And like, you know, I mean, I'm using her your words positive. They use I'm like, I probably would have ended up dead.2 (1h 2m 40s):Oh, I would have been dead. Yeah. So Scott, do you think that that's kind of, there were some, yeah, that's what I thought. That's what I thought3 (1h 2m 50s):I would've pulled a Lindsey Lohan. I would've, I would've ended up dumpster. Yeah, no. I mean, so I, I truly believe that, like, I, I I'm so happy that I did it, you know, I it's, I don't, I think you'll only regret the things you don't try, the things you don't do, but then there's also this part of me, I'm not gonna lie that, you know, the love never goes away that I, I don't wanna say it's an empty hole that, you know, I do hear now, it's very creative. I own my own salon. It's just me and my clients. And, you know, we all, I think everybody puts on their work face or, you know, whatever, but it's nice to be able to be adaptable and, and entertain while you're doing, you know, whatever.3 (1h 3m 38s):But you guys have been such an inspiration. This podcast has been such an inspiration for me because you guys got my creative juices flowing. That, that part that I have, not that hasn't been full in 24 years, you know, like I'm, I am like, I'm like, I'm going to do a podcast. I, you guys2 (1h 3m 58s):Do it, do it.1 (1h 4m 1s):We're doing a documentary. Or we're planning to do a documentary on the theater school times. And you will be in that documentary. So2 (1h 4m 11s):Road trip, road, trip to Tulsa, you're in Tulsa, right?3 (1h 4m 15s):Buckle on the Bible belt.2 (1h 4m 16s):Okay. Now, yeah. That's what I was going to ask you about. Like, what's it like to live in Oklahoma when you're not the most traditional person?3 (1h 4m 24s):Right. So, I mean, if you told me, you know, you're going to move back to Tulsa one day and you're going to find your husband and you're going to be content. I would have been like, you're smoking crack. Like there's no way in hell. You couldn't pay me enough money. What, what, what, what person, what, what, what any sort of minority, why would you choose to live in this horrible red state? Right. But, you know, I really lucked out there's good people and bad people, wherever you go. And the pandemic, I actually had a silver lining with the pandemic. I was working at a competitive salon, kind of like the theater school.3 (1h 5m 5s):I don't know why I'm drawn to those kinds of things, but pandemic happened. And I have, my mom has a heart patient. She had triple bypass at 42. So she's immune compromised. My husband is immune compromised. And then there's me that just tends to catch every cold that's out there. And I was trying to rack my brain during lockdown. Like, how do I do my job? Six feet away from someone like, I have to be like, I have to touch you. Like I have to cut your bangs and basically in your mouth, what I'm kind of like, how am I going to do this? And I, I, I took this, this pandemic very seriously because I, I have so many loved ones that it wouldn't be good if they got it.3 (1h 5m 48s):So I just decided to take a chance and open my own salon where it's, COVID, it's basically, COVID free and people have to be like fully vaccinated and show me their card. And I have air purifiers. We wear masks. It's just a single room with me and my client one at a time. And what's so wild is I thought I was going to shoot myself in the foot. When I said, you have to be vaccinated or else I can't take you, but there are all these unicorns, all over Tulsa, Oklahoma, they come to me and honestly, business is booming. It's never been better. And it's wonderful because it's just me and it's, it's very private.3 (1h 6m 29s):We don't have to worry about, we can talk politics as loud as we want, because there's nobody sitting next to us. Like, you know, looking at us up and down or telling us we're wrong. Or so there are good people here and they're all my clients.2 (1h 6m 45s):And by establishing those boundaries, you created the unicorn club where everybody can, is drawn to you because you've established from the outset, what your thing is. And that makes people understand what is, and isn't tolerated by you. And then that makes, that draws all the right people to you.3 (1h 7m 3s):And I will say, I will tell you, I don't think I'll ever work for anyone ever again. Like, I don't think I'll ever have a boss ever again. I mean, I I'll work with someone at least in the hair world, but oh my God. Being your own boss, you guys is the best. I highly recommend it.1 (1h 7m 21s):So, Scott, how did you end up? So what was the transition like leaving LA? Like, did you, did you go out in a fi like me in a fiery blaze of driving drunk into a swimming pool? Or like, did you,3 (1h 7m 34s):I, you know, again, like, I'm very lucky that I, I moved to New York. So when I quit, I was so I decided, I was like, okay, I'm done with, with acting for a while. I'm going to take some time off. And then I was like, well, why am I living in Hollywood? I've always wanted to live in New York. So I moved to New York partied and worked retail for four years. It was kind of tired of being like a broke college student. And I'm like, well, let's go back to LA where at least it's a little bit easier. And the weather's nice. And I went back to LA this whole time, by the way, never sucked partying. Right. And I got to the point where I was like, you know, I don't think that I can be here. It's too triggering for me to go out and dance.3 (1h 8m 15s):And it graduated from ecstasy to speed. And I was a functioning addict, but I was like the only way I'm going to be able to not get fired from work. And I, I really just wanted like two months to sleep, to catch up. So I went to rehab, which was one of the best things I ever did. And I learned that I am a drug addict, but I'm not an alcoholic because drinking was never my thing. It's still really kind of, not my thing through lockdown. I will say. I mean, I was guilty of maybe pouring a martini at like 10:00 AM, because I felt like we were all living in Vegas and nobody had any idea what day or time it was.3 (1h 8m 58s):But, but yeah, no, so I can socially drink and that's fine. But I just was like, I'm going to die if I stay here. And my mom got divorced from my stepdad and I wanted to come back to Tulsa to check on her. It was, I was like three months. That's it? And then it was weird. Like growing up here, there was nothing happening. And coming back here, I think I changed, but also to also change a little bit for the better. So like the best nightclubs, like the best shopping. No, not here, but that's not the most important to me. And like the traffic's not bad here. The cost of living is real cute here. And I met my husband here on grinder, by the way, Gina,2 (1h 9m 44s):I love that. That's beautiful. I mean, you guys, what would it take? I'm just thinking about your experience there. Like they built you all the way up the first day you got to LA it couldn't go any higher than that. You got to stay an extra day. You gotta to your meeting after meeting. Well, you know, P people like me and boss are like going to the beach and whatever is she wasting her time in LA because we were getting any minis. So everybody loved, you got a standing ovation, you got Rick Murphy to say you did great. And then it was a process after, you know, some sex successes of getting jobs. Then it was a process of like tearing you down. When if there could have been a way for you to tolerate or survive the rejection, you might've stayed and had like a sane career.2 (1h 10m 33s):I think that's the problem is like, there's no sane career. It seems like, and you like either go balls to the wall and, and burn, you know, crash and burn, right? Like, so what would it take to have an environment that was even just 10% more psychologically minded? I mean, I'm interested to pause to what you have to say about that.1 (1h 10m 58s):Well, I think it would take each so interesting. It's such a business for me anyway, that thrives on youth. Right? And, and, and when we're young, our brains aren't fully formed. So you've got weird ass people running around doing weird ass shit and their brains aren't formed. So I think it would have to, for me with literally have to take us embracing the knowledge and wherewithal of people as they get older and not so much capitalizing on youth because you don't know shit and we can't know anything. So when you're youth centric industry, it's, it's a mess.1 (1h 11m 39s):So what, what, what I would say is like D what would it, what it's going to take is people to say, oh, wait, people of all ages of all races of all can have careers. And I think then it becomes less of a, like, I have to capitalize on what is hot right now, right now, because later is not going to be so hot. It would take a more holistic view of like the human experience. And I there's so much money involved. I'm not sure. And I think coming back at 46 and doing this, and I'm not really trying to be an actor, but as a writer, I'm seeing that, like, you kind of have to go away from like 25 to 40 and come back to LA, if you're going to do it,2 (1h 12m 22s):Dude, that I just had this image, like it's, it's LA has kind of run like, like porn. Like, it's all about, like, what's going to get you off, like in five seconds, instead of anything beyond what's going to happen in five seconds. And there's a, there's like a short term memory problem. There's a 'cause I think you described by the way about being the, you know, the thing of the moment, whatever Sean said, the same thing Shawn said, I think that I was able to do what I was able to do, because I just had a particular look at a particular time when they were just looking for my look, you know?2 (1h 13m 2s):And that's important for, to, to say again to people out there, like, if you don't succeed, you can't necessarily say it's because of your talent. It really could be like, it's just not the, it's just not your moment. Your Hollywood is not having the you moment right now. It might have had it 10 years ago. It might have it in 10 years. It's just not right now.3 (1h 13m 26s):Amen to that. I, I fully agree with you on that. And, and what I love now is that, you know, everyone's writing, it's like, I remember my agency said, you know, you're just not like anybody else. So we're just going t

Larry Bates, a former broker, knows a thing or two about how the banks and investing work ... he wrote a book about it and he joins us to talk about #beatingthebank... This material is for informational purposes and is not a recommendation, offer or solicitation to buy or sell any securities, to provide tax or legal advice. The information and opinions are not guaranteed as to accuracy or completeness. Reliance upon information in this material is at the sole discretion of the listener. Investors should consult with their own advisors. The provision of investment management and investment advisory services is a regulated activity in Canada, subject to strict rules. For more information on the services offered by Justwealth, please refer to www.justwealth.com.

In this session, originally recorded on October 28, 2020, we asked Nora Beatty and Alex Mazer to share five good ideas for building financial health through the workplace. With over 40% of Canadians living paycheque to paycheque, more employers are asking what they can do to increase the financial health of their staff. Alex Mazer and Nora Beatty of workplace retirement plan provider Common Wealth share their five good ideas to help you build financial security in the short and longer term. As an employer, you will come away with ideas you can take to reduce financial stress for your employees; as an individual, you will learn ways to make your hard-earned savings go further. Five Good Ideas Make the business case for employee financial health (HINT: it’s not just “nice to do”) Take advantage of Tax-Free Savings Accounts Keep fees low Provide education on accessing government benefits Make savings automatic Related resource: Healthcare of Ontario Pension Plan, Common Wealth and the National Institute on Ageing, “The Value of a Good Pension: How to improve the efficiency of retirement savings in Canada” (2018) (learn about the surprisingly large financial value of a good workplace retirement plan – and what makes a plan “good”) John Stapleton, Open Policy Ontario, “Toolkit: Low Income Retirement Planning” (2020) (learn about the importance of the Tax-Free Savings Account, and other strategies to maximize income in retirement for modest earners) Larry Bates, “T-Rex” fee calculator (see how much of your returns are being eaten up by high fees) Prosper Canada, Financial Relief Navigator (find out what government benefits you might be eligible for) Ontario Securities Commission (access financial education tools and resources approved by one of Canada’s most prominent financial regulators) For the full transcript, visit https://maytree.com/five-good-ideas/five-good-ideas-for-building-financial-health-through-the-workplace/ About Nora Beatty and Alex Mazer Nora Beatty is the Director of People Operations at Common Wealth. She is passionate about people and connecting innovative people strategies to better business outcomes. Nora’s journey in HR started at Oracle, and since then she has had the opportunity to join some of the most exciting tech companies and start-ups in the city. Before joining Common Wealth, Nora built out and led the People function at Hubdoc, and supported the deal team during the acquisition by Xero. Post-acquisition, Nora took on a broader operations role, supporting some of the GTM initiatives, while also leading the People function. Alex Mazer is a Founding Partner of Common Wealth, a mission-driven business that works with associations, unions, and groups of employers to provide value-for-money, collective retirement plans that combine user-friendly technology, digital retirement planning, low-cost investments, guaranteed lifetime income, and a fiduciary duty to members. The company’s focus is on constituencies

We talk to Larry Bates!

Founder of Vanguard John C. Bogle said "The miracle of compounding returns is overwhelmed by the tyranny of compounding costs" because he understood the disastrous effects of fees on your investment portfolio. My guest Mr. Larry Bates agrees with him and also shares his thoughts about investing in Canada, especially for Healthcare Professionals.

Have you ever wondered how the big banks and investment firms really make their money? My guest Larry Bates spent 30 years working for some of the world’s most powerful banks, and in his tell-all book, Beat the Bank, he gives us a peek behind the curtain.  The Wolf of Wall Street famously portrayed slick sales tactics that bamboozled investors.  With weak security laws and unsuspecting investors, Bay street may not be as innocent as it likes to say it is. Larry warns us to pay attention to the fine print.  If you want to get rich, you need to know what to watch for and what questions to ask the next time you walk into your bank. Shownotes: Link to T-Rex Score

Having spent 35 years in the investment business in both Toronto and London, Larry Bates knows a thing or two about how the banks operate and how to be a savvy investor. Which is what inspired him to write his book Beat the Bank, which is all about how to beat the bank at their own game…namely getting rich off you, not helping you get rich! In his book, Larry provides insight into how the investment industry in Canada works, and how best to achieve higher returns through the use of better investment products. In other words, it’s time to stop investing in high-fee actively-managed mutual funds from the bank in favour of index funds or index-ETFs using a robo-advisor or self-directed investing using a discount brokerage. Seeing as this podcast is in its 10th season, I’ve interviewed hundreds of authors and money experts on this show, but I’ve gotta say, if you’re Canadian and you’re looking for a good intro to investing book, this is it! This is my new go-to recommendation (in addition to my other favourites like Millionaire Teacher by Andrew Hallam, Wealthing Like Rabbits by Robert Brown, and The Value of Simple by John Robertson). If you want to start your investing journey and want a non-dry book on investing in Canada, you need to grab this book. You will not be disappointed! Also, don’t forget, I’m giving away a copy of his book! To enter to win you just have to visit jessicamoorhouse.com/contests. For full episode show notes, visit https://jessicamoorhouse.com/223

Larry Bates preyed on older Christians by fearmongering and deceit. His gold and silver scam swindled thousands of retirees out of their life savings in the name of Jesus. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/tracy-barkley/support

It might be hard to believe, but many Canadian investors lose more than 50% of their return to fees. Are you one of them? My guest this week is Larry Bates, a former bank executive and author of the book, Beat the Bank: The Canadian Guide To Simply Successful Investing. Larry joins us to discuss why Canadians are losing so much money to investment fees, and what we can do about it. You can find the show notes for this episode at https://maplemoney.com/larrybates The biggest myth about robo advisors is that they are completely tech-driven, and lack the personal touch. If youíre curious about signing up and have questions, our sponsor, Wealthsimple, now lets you book a 15 minute call with an experienced portfolio manager. To book your appointment, head over to https://maplemoney.com/wealthsimplechat

Dr. Larry Bates may sell books and DVDs preaching the value of silver and gold but his clients are the ones in peril. Learn more about your ad choices. Visit megaphone.fm/adchoices

Larry Bates want you to Beat The Bank. That's the title of his new book and it's all about challenging the status quo of Canadians paying the highest investment fees in the world and believing that the financial industry has their best interests at heart. You see Larry spent his whole career on the business side of the banking and investment worlds. One day he was sitting up in his ivory tower and a phone call from his sister changed everything. That's when he decided to use his knowledge about the financial industry to become an advocate for Canadian investors. Larry is all about transparency and making sure you don't pay high investment fees and he proves in his book that you don't need to be an expert to be an investor. You just need to know the basics. Larry joined me in the studio in Hamilton, to share his personal finance story. NEXT EPISODE 75 - Recap of Episodes 1-74

Whether you are a borrower or a beginning saver, the best way to beat the bank at its own game is to learn some basics so you can make a better decision.  I talk with Larry Bates, author of Beat the Bank, as he shares tips for outsmarting financial institutions and keeping the most of your hard-earned money in your own pocket rather than the bank's. One of Larry's biggest messages is that if you understand the cost or fee structure of the financial products you are using, you can choose options that lower that cost.  By keeping more of your money, each and every year, these seemingly small savings build up over time and can have a significant impact on your long term finances. All that and more on today’s show.

Today we have author and Canadian investor, Larry Bates on the show. Larry is the author of the book “Beat the Bank”, where you shows (specifically for Canadians), how you can build a larger retirement nest egg by switching from high-cost mutual funds to more efficient, low-cost investment products. He also explains how you can do it in just a couple of hours per year. He talks about some of the secrets in the investment industry that many Canadians don't know about, he decodes some of the mystery that is prevalent around investing here in Canada, and he provides a simple, step-by-step guide to investing. Just like me, he believes that you don't need to be an expert to start investing successfully...you just need to know the basics. Larry is a former banker turned investor advocate. He spent 35 years in banking, has since retired from that, and now spends his time increasing financial literacy for Canadians, specifically in the area of investing. Book Giveaway! To kick things off on a good note for 2019, I've arranged a book giveaway with Larry where you can enter for free for a chance to win one of 3 signed copies of Larry's book. This is obviously for a limited time, the giveaway ends at the end of February 2019, so be sure to sign up now for a free chance to win. To enter the giveaway, just go to buildwealthcanada.ca/beatthebank Get Your Free 1-Year Subscription to Canadian MoneySaver Magazine Lastly, don't forget to claim your free 1-year digital subscription to Canadian MoneySaver Magazine (Canada's largest personal finance and investing magazine). The magazine features Canada's top experts on personal finance and investing, and is a great place to learn best practices, and stay up to date on changes that will impact your investments and financial situation for years to come, specifically here in Canada. To get that, all you have to do is open up a free savings account with my favourite bank (and the bank that I personally use, EQ bank). The reason that I personally use EQ bank, is that they have one of the highest interest savings rates in Canada. In fact, over all the years that I've been with them, I've seen them consistently be almost double the interest rate compared to other online banks, and well over double the interest rate compared to the major brick and mortar banks that we have here in Canada.   Plus it's free to sign up and keep an account with them, so you're not paying a monthly fee as you do with many of the other banks out there. As a bonus you also get 5 free Interac e-transfers every month! Because of those reasons, I've been with them ever since they launched in Canada years ago, and it's where I keep my entire emergency fund and spending money. To get the free account and a 1 year free subscription to Canadian MoneySaver magazine, just go to buildwealthcanada.ca/eq, open the free account, and once you're done, forward any email that you get from EQ to bonus@buildwealthcanada.ca and I'll send you a coupon code that gets you a free one year subscription to the magazine. Enjoy, thanks for supporting the show, and now let's get into the episode. Questions Asked During the Interview: Tell us your story and what your new book is about? What inspired you to write the book? Now that you're retired, what do you personally hold in your portfolio?  Let's talk about doing passive index investing through ETFs vs selecting individual stocks. What do you see as the pros and cons of these approaches and what do you personally do? When it comes to evaluating individual stocks, a common concern that investors have is what if the stock they are considering is overvalued, and they end up overpaying for it. What precautions, due diligence and research do you personally do before investing in any particular stock? If you were instead doing a much earlier retirement, like in your 30s or 40s, how would you tweak that strategy? For the bond portion of your portfolio, what kind of bonds do you recommend? Long vs short term? Canadian vs international? What are your thoughts on the criticisms of the S&P TSX (i.e. The Canadian Index). For index investors, should we be adjusting our portfolio for the shortcomings of this index? (i.e. The sector concentration). Adjusting for this inherently adds complexity to our portfolio, so is it worth it? What are your thoughts on using bonds vs GICs vs a combination of the two, particularly for those in traditional retirement and early retirement? What are your thoughts on the 4 percent rule and safe withdraw rate for traditional retirement age retirees vs early retirees? Going back to your book, one of my favourite parts was how you broke down investment portfolio optimization to just 6 core areas to focus on. Can you talk about each of those? Where can we get your book, and how can we learn more about you and see more of your work? If you liked the episode sign up for free to receive all new episodes as they get released, news on giveaways, and the free guide on the Top 5 Personal Finance and Productivity Tools.

http://www.alainguillot.com/larry-bates/ Larry spent over 35 years in the investment banking business. At the end of his career, Larry became concerned with the fees the banking industry was charging regular Canadians, stripping away most of the gains they could have received from their investments. After leaving the banking industry, Larry decided to become an investor advocate and help Canadian investors get better returns for their money, so he wrote the book "Beat The Bank."

How normalized will cannabis be in the future? Live from the TweedInc studios Brought to you by Vanbex Comedian Che Durena, Author Larry Bates, Boveda Inc's Lance Lambert

As we mark the 10th anniversary of the global financial crisis that began in September 2008, many of us still wrestle with the risk-reward trade-offs in investing. Larry Bates, author of Beat the Bank, offers his recipe for Simply Successful Investing. Dan dispels the myth that dividend stocks are a safe alternative to fixed income and answers a question from a reader who wonders whether she should invest only in GICs. For complete show notes on The Big Tradeoff, visit www.canadiancouchpotato.com/podcast.

 We will talk about the Occult Invasion of the Church in the last days. Eric has been a featured guest on many christian and secular programs such as Southwest Radio Ministries, Christ in Prophecy with Dr. David Reagan, Understandinitg the times with Jan Markel, Unreveling the New World Order with Dr Larry Bates.