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19 episodes with liquid assets
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2 episodes with liquid assets
2 episodes with liquid assets
2 episodes with liquid assets
This week, Scott sat down with his Lawfare colleagues Benjamin “The Beard” Wittes and Anastasiia (and Ava) Lapatina to discuss the week's biggest national security news stories, including:“A Waltz on Thin Ice.” Weeks after the SignalGate controversy, Mike Waltz is out as National Security Adviser and set to be nominated as U.N. Ambassador. Secretary of State Marco Rubio, meanwhile, is in for a record fourth high-ranking appointment, though rumors are circulating about just how long he may remain in the position. How big a deal is this switch in leadership? What might its broader implications be?“Resource Extraction.” After months of negotiations, Ukraine and the Trump administration have finally signed a minerals agreement that gives the United States (and, perhaps more importantly, President Trump) a financial stake in Ukraine's ongoing independence. Is the deal just exploiting Ukraine's vulnerability? Or is there a chance it might contribute to a better outcome for the beleaguered country?“Liquid Assets.” Russia has gotten its liquefied natural gas (or LNG) facility off the ground in the Arctic and is getting ready to export through a shadowfleet of unregistered vessels to eager buyers in China who are undeterred by Western sanctions. What does the situation tell us about the effectiveness of sanctions? And what is Russia up to in the Arctic?In Object Lessons, Ben logrolled Lawfare's accidentally-on-purpose, Fridays-at-4pm YouTube show, Lawfare Live (like, Like and Subscribe to our channel!). Scott's getting ready for grilled pizza season and shared tips for how to handle the heat. And turning the temperature down a notch, Nastya recommended Minna Ålander's substack, Northern Flank Notes, for more uutiset on the Nordic-Baltic-Arctic region.To receive ad-free podcasts, become a Lawfare Material Supporter at www.patreon.com/lawfare. You can also support Lawfare by making a one-time donation at https://givebutter.com/lawfare-institute.Support this show http://supporter.acast.com/lawfare. Hosted on Acast. See acast.com/privacy for more information.
This week, Scott sat down with his Lawfare colleagues Benjamin “The Beard” Wittes and Anastasiia (and Ava) Lapatina to discuss the week's biggest national security news stories, including:“A Waltz on Thin Ice.” Weeks after the SignalGate controversy, Mike Waltz is out as National Security Adviser and set to be nominated as U.N. Ambassador. Secretary of State Marco Rubio, meanwhile, is in for a record fourth high-ranking appointment, though rumors are circulating about just how long he may remain in the position. How big a deal is this switch in leadership? What might its broader implications be?“Resource Extraction.” After months of negotiations, Ukraine and the Trump administration have finally signed a minerals agreement that gives the United States (and, perhaps more importantly, President Trump) a financial stake in Ukraine's ongoing independence. Is the deal just exploiting Ukraine's vulnerability? Or is there a chance it might contribute to a better outcome for the beleaguered country?“Liquid Assets.” Russia has gotten its liquefied natural gas (or LNG) facility off the ground in the Arctic and is getting ready to export through a shadowfleet of unregistered vessels to eager buyers in China who are undeterred by Western sanctions. What does the situation tell us about the effectiveness of sanctions? And what is Russia up to in the Arctic?In Object Lessons, Ben logrolled Lawfare's accidentally-on-purpose, Fridays-at-4pm YouTube show, Lawfare Live (like, Like and Subscribe to our channel!). Scott's getting ready for grilled pizza season and shared tips for how to handle the heat. And turning the temperature down a notch, Nastya recommended Minna Ålander's substack, Northern Flank Notes, for more uutiset on the Nordic-Baltic-Arctic region.To receive ad-free podcasts, become a Lawfare Material Supporter at www.patreon.com/lawfare. You can also support Lawfare by making a one-time donation at https://givebutter.com/lawfare-institute. Hosted on Acast. See acast.com/privacy for more information.
YOU HAVE TO LISTEN TO THIS FEATURE with Mr. H from Liquid Assets. They are the makers of an amazing product called IMMUNO 150. This isn't us selling you. This is us informing you and putting our reputation behind a product that has made us feel so much better!No more colds! Quick recovery. You wake up and whatever pain you might have had - it's gone! Or you're much better! OVERNIGHT! Also, there are stories that you might think a miracle was involved but no - unhealthy people have fully recovered from various diseases including cancers - just from taking IMMUNO 150. Click hear to visit their site. IMMUNO150.COM
Chef Dana of Liquid Assets Joins the Show - March 27th, 5pmAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy
Todd Eicher of Liquid Assets - March 27th, 4:45pmAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy
Interview with Jeff Quartermaine, Managing Director & CEO, Perseus Mining Our previous interview: https://www.cruxinvestor.com/posts/perseus-mining-asxpru-q3-results-show-strong-gold-production-cashflow-growth-6128Recording date: 28th of January, 2025Perseus Mining has reported exceptional quarterly performance, producing 132,419 ounces of gold at an industry-competitive all-in sustaining cost (AISC) of US$1,127 per ounce. The company's operational efficiency has maintained its position as one of the lowest-cost gold producers, generating an operating cash flow of US$173 million for the quarter.The Australian-listed miner, operating three mines in West Africa, ended 2024 with a robust balance sheet of approximately A$1 billion (US$704 million) in cash and bullion. CEO Jeff Quartermaine has outlined a strategic approach to capital allocation, balancing organic growth projects, shareholder returns through dividends and buybacks, and potential acquisitions.Perseus is advancing several growth initiatives across its portfolio. The company has approved underground development at its Edikan mine in Ghana, with contractor mobilization scheduled for April 2025. In Tanzania, Perseus is nearing a final investment decision on the Nyanzaga project, targeting first gold production in early 2027, subject to government negotiations on fiscal terms.The company is actively working to extend mine life across its operations, including Edikan, Sissingué, and Yaouré, through near-mine exploration. However, Quartermaine acknowledges the need to balance growth with cost considerations, noting that expanding operations using higher gold price assumptions would impact unit costs.A cornerstone of Perseus's strategy is its commitment to host communities and countries. Quartermaine emphasizes the importance of equitable benefit sharing, recognizing that local stakeholders "reasonably expect to get their fair share of the benefit of their resources." The company maintains that social license to operate through responsible ESG practices is fundamental to long-term success, regardless of changing market sentiments.Looking ahead, Perseus's investment thesis rests on several key pillars: its competitive cost structure, strong balance sheet, organic growth potential, and proven track record in West Africa. The company's disciplined approach to capital allocation and growth, coupled with its commitment to stakeholder engagement, positions it well for sustainable long-term growth.The broader macroeconomic environment appears supportive of gold, with factors such as geopolitical tensions, inflation concerns, and potential monetary policy shifts potentially providing a favorable backdrop for the sector. However, Perseus maintains its focus on operational excellence and cost management, rather than relying on gold price movements to drive profitability.Learn more: https://cruxinvestor.com/companies/perseus-miningSign up for Crux Investor: https://cruxinvestor.com
YOU HAVE TO LISTEN TO THIS FEATURE with Mr. H from Liquid Assets. They are the makers of an amazing product called IMMUNO 150. This isn't us selling you. This is us informing you and putting our reputation behind a product that has made us feel so much better!No more colds! Quick recovery. You wake up and whatever pain you might have had - it's gone! Or you're much better! OVERNIGHT! Also, there are stories that you might think a miracle was involved but no - unhealthy people have fully recovered from various diseases including cancers - just from taking IMMUNO 150. Click hear to visit their site. IMMUNO150.COM
YOU HAVE TO LISTEN TO THIS FEATURE with Mr. H from Liquid Assets. They are the makers of an amazing product called IMMUNO 150. This isn't us selling you. This is us informing you and putting our reputation behind a product that has made us feel so much better!No more colds! Quick recovery. You wake up and whatever pain you might have had - it's gone! Or you're much better! OVERNIGHT! Also, there are stories that you might think a miracle was involved but no - unhealthy people have fully recovered from various diseases including cancers - just from taking IMMUNO 150. Click hear to visit their site. IMMUNO150.COM
YOU HAVER TO LISTEN TO THIS FEATURE with Mr. H from Liquid Assets. They are the makers of an amazing product called IMMUNO 150. This isn't us selling you. This is us informing you and putting our reputation behind a product that has made us feel so much better!No more colds or quick recovery. You wake up and whatever pain you might have had - it's gone! Or it's much better! OVERNIGHT! Also, there are stories that you might think a miracle was involved but no - unhealthy people have fully recovered from various diseases including cancers - just from taking IMMUNO 150. Click hear to visit their site. IMMUNO150.COM
Jack Norman joins the boys to talk Season 7, Episode 3, "Liquid Assets"!
In this episode of the Everyday Innovation podcast, I explore the entrepreneurial journey of Ravi Kurani, founder of Sutro, a company that has redefined water monitoring through cutting-edge technology. [Link to InnovatorOS companion guide, Product Market Fit & Sustainable ROI exercises: https://go.everydayinnovation.io/insightsforimpact] We discuss how his unique background inspired Sutro and how he has expanded his impact through the Liquid Assets podcast, which explores water-related issues, and through his role as an entrepreneur-in-residence. Ravi shares insights on building an ecosystem of impact, leveraging networks like founder groups, and scaling ventures that drive meaningful change in sustainability and beyond. Ravi's commitment to water extends beyond business; he serves as a Board Member of Friends of the River, advocating for the preservation of California's waterways. His dedication to sustainable business models is also reflected in his work as a Frontier Market Scout Fellow with Sanghata Global. A TEDx speaker and Forbes 30 Under 30 honoree, Ravi remains grounded in the experiences that have shaped his journey, including his active role in the Hampton community, supporting digital-first founders. Books and Resources Mentioned: - “Armada” by Ernest Cline - Sci-Fi novel exploring futuristic technologies. - “The Art of War” by Sun Tzu - Classic work on military strategy and philosophy. - “The Medium is the Massage” by Marshall McLuhan - An exploration of how media shapes human experience. Key Takeaways as Advice: 1. Incorporate Diverse Inspiration: Draw innovation from unexpected sources, like Sci-Fi, to inspire creative solutions in your entrepreneurial journey. 2. Stay Humble: Keep your ego in check to remain open to learning and growth. 3. Validate Early and Often: Use low-cost MVPs to test ideas and gather real-world feedback before heavy investment. 4. Embrace Challenges: Understand that building products (especially hardware and IoT )is tough, but focus on the user experience and data insights. 5. Leverage Feedback: Actively seek and implement user feedback to continuously improve your product. 6. Think Beyond Your Product: Consider how your technology can expand into other industries for greater impact. 7. Reconnect In-Person: Don't underestimate the power of face-to-face networking and community building at any stage of entrepreneurship. 8. Focus on Sustainability: Recognize the critical role of water and energy in sustainability efforts, and aim to contribute positively. 9. Start and Refine: Begin creating content, like podcasts or blogs, even if it's not perfect—refinement comes with practice. 10. Engage with Communities: Build and engage with communities around your brand or mission to amplify your impact and learn from others. Chapter Timestamps • The Value of Sci-Fi in Innovation (00:01:30) • Ravi's Morning and Evening Reading Habits (00:03:10) • Humility and Ego in Innovation (00:05:20) • From Pool Boy to Sutro (00:07:05) • Validating the Sutro Idea (00:10:00) • The Challenges of Hardware and IoT (00:12:40) • Using PMF Surveys for Product Improvement (00:15:10) • Sutro's Impact on Water and Sustainability (00:18:30) • Expansion into Agriculture and Food Industries (00:20:50) • Transitioning from Founder to Acquired (00:24:00) • The Power of Networking Post-Pandemic (00:26:20) • Liquid Assets Podcast (00:29:40) • Lessons Learned from Podcasting (00:32:00) • Water Misuse and Recycling (00:34:50) • The Role of Energy in Water Sustainability (00:37:10) • Entrepreneur in Residence Role (00:39:20) • What Everyday Innovation Means to Ravi (00:41:00) • Final Thoughts and Where to Find Ravi (00:43:00) Connect with Ravi LinkedIn: https://www.linkedin.com/in/kuraniravi/ Liquid Assets Podcast: https://www.liquidassets.cc/ Sutro Smart Pool Monitor: https://mysutro.com/ More Resources from Everyday Innovation at everydayinnovation.io --- Support this podcast: https://podcasters.spotify.com/pod/show/everydayinnovation/support
Exceptional Health Products is a division of Liquid Assets, Inc. that was incorporated in the state of Oklahoma in 1983. The principals are Mr. Elmer Heinrich and his wife Shirley. Mr. Heinrich, (more commonly known as Mr. H) is the company President and CEO. Liquid Assets opened it first plant minerals mine in Utah in 1984 and since then, has sold it's SenTraMin minerals in 27 countries. These minerals are the base of the company's fabulous nutritional product called Immuno 150. Mr. H has owned and operated successful companies in seven countries. The Heinrich foundation is basically the parent of all entities beginning with S and H Drilling, The Hotsy Corporation, Robo Car Wash Company, Rockett Water filters, The Rockland Corporation, The Rockland Mineral mine, Hospital Santa Monica in Mexico, and now Exceptional Health Products.The company has been blessed to have been able work with its chemist's and many mineral users, over an extended period, to formulate a combination of various nutritional constituents with its 70 plant minerals that are scientifically comingled, in Immuno 150, to be compatible with the human digestive system for total assimilation. Based on 40 years of experience in the plant minerals business, serving millions of people, the principles of Exceptional Health Products are convinced The World is Sick due to a lack of minerals in food.888.316.2224www.immuno150.com
Forget Fan Mail, Fan Text Us!
Exceptional Health Products is a division of Liquid Assets, Inc. that was incorporated in the state of Oklahoma in 1983. The principals are Mr. Elmer Heinrich and his wife Shirley. Mr. Heinrich, (more commonly known as Mr. H) is the company President and CEO. Liquid Assets opened it first plant minerals mine in Utah in 1984 and since then, has sold it's SenTraMin minerals in 27 countries. These minerals are the base of the company's fabulous nutritional product called Immuno 150. Mr. H has owned and operated successful companies in seven countries. The Heinrich foundation is basically the parent of all entities beginning with S and H Drilling, The Hotsy Corporation, Robo Car Wash Company, Rockett Water filters, The Rockland Corporation, The Rockland Mineral mine, Hospital Santa Monica in Mexico, and now Exceptional Health Products.The company has been blessed to have been able work with its chemist's and many mineral users, over an extended period, to formulate a combination of various nutritional constituents with its 70 plant minerals that are scientifically comingled, in Immuno 150, to be compatible with the human digestive system for total assimilation. Based on 40 years of experience in the plant minerals business, serving millions of people, the principles of Exceptional Health Products are convinced The World is Sick due to a lack of minerals in food.888.316.2224www.immuno150.com
3407 – June 18, 2024 – Music to My Ears – “We are not a democracy,” says Beth Ann AND a lot more folks on tv now! Mr. H of “Liquid Assets” maker of Immuno150 joins us today. Mr. H was born in boxcar on a Kansas prairie and went on to own and operate several very successful businesses including ... The post Music to My Ears appeared first on CSC Talk Radio.
Exceptional Health Products is a division of Liquid Assets, Inc. that was incorporated in the state of Oklahoma in 1983. The principals are Mr. Elmer Heinrich and his wife Shirley. Mr. Heinrich, (more commonly known as Mr. H) is the company President and CEO. Liquid Assets opened it first plant minerals mine in Utah in 1984 and since then, has sold it's SenTraMin minerals in 27 countries. These minerals are the base of the company's fabulous nutritional product called Immuno 150. Mr. H has owned and operated successful companies in seven countries. The Heinrich foundation is basically the parent of all entities beginning with S and H Drilling, The Hotsy Corporation, Robo Car Wash Company, Rockett Water filters, The Rockland Corporation, The Rockland Mineral mine, Hospital Santa Monica in Mexico, and now Exceptional Health Products.The company has been blessed to have been able work with its chemist's and many mineral users, over an extended period, to formulate a combination of various nutritional constituents with its 70 plant minerals that are scientifically comingled, in Immuno 150, to be compatible with the human digestive system for total assimilation. Based on 40 years of experience in the plant minerals business, serving millions of people, the principles of Exceptional Health Products are convinced The World is Sick due to a lack of minerals in food.visit their website here - IMMUNO 150 to order!
In this weeks episode we welcome BACK Shelley, from her two week hiatus, as well as welcome Fly With Wine CEO, Ron Scharman. Ron tells the exciting story of Fly with Wine while we taste a delicious Pinot Noir from Patricia Green Cellars to kick off Oregon Wine month. We may even quickly taste a Sauvignon Blanc because today is Sauvignon Blanc Day! #HappyFriday! #ItsWineTime! #CheersingWine suitcases, backpacks, glassware, persnal carriers and more - if it's wine related and you need to get it from point A to point B, visit https://www.flywithwine.com and tell them Wine Time Fridays sent you!Wines this episode: 2021 Patricia Green Cellars Wadensvil Block Pinot Noir ($55 at the winery) For more information on the 2021 Patricia Green Cellars Wadensvil Block Pinot Noir, please click HEREA HUGE thanks to our sponsors: CDA Gourmet and The Social Web! CDA Gourmet: Are you looking to elevate your kitchen? You need to check out CDA Gourmet! Located in Midtown Coeur d'Alene, CDA Gourmet offers a diverse mix of flavor enhancing product as well as the tools to make it all happen. And they have just launched their online store with 15% off all regularly priced items at checkout through May 15! Visit https://www.cdagourmet.com for more information or call 208-551-2364. CDA Gourmet: Your kitchen elevated.The Social Web: The Social Web is helping small businesses untangle the web of social media marketing. For more information, please visit https://thesocialweb.news And of course, a HUGE thank you to Tod Hornby who wrote and recorded our official Wine Time Fridays theme music, which is ANYthing but average. Please visit https://todhornby.com or contact him at veryaveragemusic@gmail.comThe J. Bookwalter Wine Word of the Week - Transferment The process of safely transporting wine from one location to another. J. Bookwalter: Celebrating their 40th year of producing award-winning wines crafted from the finest Columbia Valley vineyards, J. Bookwalter wines bring excellence and quality to every glass. Visit https://www.bookwalterwines.com for more information or simply call or 509-627-5000.Mentions: Gabriel Glas, Dan Sogg, Jonathon Edelman, Foolhardy, Shark Tank, Mark Cuban, Goose Ridge, Rocky Pond, Jim Anderson, Matthew Russel.Some Wines we enjoyed this week: Long Shadows Saggi, Domaine de I'Olivette Bandol Rouge, Dunham Cellars Three Legged Red, Vinedos Escudero Arvum, Showket Vineyards Napa Valley Cabernet Sauvignon (2005) and Jacquelynn Napa Valley Cabernet Sauvignon (2008). Please find us on Facebook (https://www.facebook.com/WineTimeFridays), Twitter (@VintageTweets), Instagram (@WineTimeFridays) on our YouTube Channel, https://www.youtube.com/@winetimefridays and on Threads, which is @winetimefridays. You can also “Follow” Phil on Vivino. His profile name is Phil Anderson and will probably “Follow” you back! Wine Time Fridays Rating System: Phenomenal
On this episode of Our American Stories, since the company's inception in 2005, Liquid Ass has been a popular product amongst pranksters across the world. The two-pack on Amazon currently has an unprecedented 36,000-plus reviews with a 4 1/2-star rating! [BTW: Read the ratings if you want a good laugh.] So who goes about creating such a spray? Well, a teenager, obviously. Here to tell the story are the co-founders of Liquid Assets, Andrew Masters and Allen Wittman (wearing the hat in photo). Support the show (https://www.ouramericanstories.com/donate)See omnystudio.com/listener for privacy information.
Sarah Muir and David Broomfield are joined by top sommelier Tim Ellison for a deep dive into the world of investing in wine. They discuss how the great vintages fare against other alternative assets and current market trends, and how climate change could impact traditional wine-producing regions.
Exceptional Health Products is a division of Liquid Assets, Inc. that was incorporated in the state of Oklahoma in 1983. The principals are Mr. Elmer Heinrich and his wife Shirley. Mr. Heinrich, (more commonly known as Mr. H) is the company President and CEO. Liquid Assets opened it first plant minerals mine in Utah in 1984 and since then, has sold it's SenTraMin minerals in 27 countries. These minerals are the base of the company's fabulous nutritional product called Immuno 150. Mr. H has owned and operated successful companies in seven countries. The Heinrich foundation is basically the parent of all entities beginning with S and H Drilling, The Hotsy Corporation, Robo Car Wash Company, Rockett Water filters, The Rockland Corporation, The Rockland Mineral mine, Hospital Santa Monica in Mexico, and now Exceptional Health Products.The company has been blessed to have been able work with its chemist's and many mineral users, over an extended period, to formulate a combination of various nutritional constituents with its 70 plant minerals that are scientifically comingled, in Immuno 150, to be compatible with the human digestive system for total assimilation. Based on 40 years of experience in the plant minerals business, serving millions of people, the principles of Exceptional Health Products are convinced The World is Sick due to a lack of minerals in food.visit their website here - IMMUNO 150 to order!
Jeremy and Boss share a public service announcement, watch the wrong movie, shine a light on Matthew Broderick's crimes, and vote for Bobby Astyr as they discuss Roberta Findlay's Liquid Assets.
Mark Russo, a prominent figure in the art industry, has achieved remarkable success since embarking on his journey. With a track record of selling hundreds of millions of dollars worth of fine art, which includes an impressive tally of over 60,000 sculptures, his impact is undeniable. Notably, his innovative auction model alone has yielded over $250 million in sales. Mark's personal collection of fine art now includes a staggering valuation of $5.2 billion. At the helm of Treasure Investments, his company's assets are valued in the billions, encompassing the world's largest mold collection, housing over 2,700 original plaster molds. In this interview, Mark will delve into his strategies for scaling businesses, and his unique perspectives that drive innovation and share invaluable insights on navigating the pitfalls of the industry.
Drinkable water is a precious commodity. But as population growth, aging infrastructure, drought, and climate change pose challenges to freshwater quality and quantity in America, the safety and amount of water in parts of the U.S. is in question. With more than 140,000 separate public water systems in the country, how can federal, state, and local governments, along with the various water authorities, take on this challenge alone? In this episode we hear from global water and natural resources expert Barton “Buzz” Thompson, about this new book Liquid Asset: How Business and Government Can Partner to Solve the Freshwater Crisis —and his recommendations for how to solve the freshwater crisis in the U.S.Connect:Episode Transcripts >>> Stanford Legal Podcast WebsiteStanford Legal Podcast >>> LinkedIn PageRich Ford >>> Twitter/XPam Karlan >>> Stanford Law School PageStanford Law School >>> Twitter/XStanford Law Magazine >>> Twitter/XLinks:Buzz Thompson >>> Stanford Law School PageLiquid Assets: How Business and Government Can Partner to Solve the Freshwater Crisis.Paul Milgrom & Auction TheoryChapter Timestamps:(00:00:00) Introduction & Water's Scarcity Hosts Rich Ford and Pam Karlan introduce guest, Buzz Thompson, an expert in water law and author of Liquid Assets(00:01:18) Water Challenges TodayThe scarcity of fresh water globally, and the multiple crises facing water resources: uneven distribution, climate change and the depletion of groundwater resources.(00:04:30) Water Infrastructure What is water infrastructure in the United States, the current state of it, and the repairs and upgrades required and being undertaken.(00:07:14) Updating Infrastructure & 21st-Century Technology Examples of modern wastewater treatment methods, advocating for resource recovery centers and outlining their potential benefits by adopting 21st century technology.(00:09:08) Fragmented Water Systems The complexity of water systems, & the challenges created by small water systems (00:12:00) Water Rights & Legal Structures The current legal structure of water rights in the USA,and defining the goals of both protecting water as a public resource, and a private commodity.(00:16:25) Private Sector's Role & Future Solutions Buzz discusses water markets internationally, and the private sector's role in innovation, technology, and financing to bridge the gap in water management. (00:18:59) Challenges with Outdated Water Rights Rich & Buzz discuss the challenges created by the current water rights model, and the necessity, possibilities, and challenges for legal reform.(00:21:18) Proposal for Tradeable Water Rights The concept of converting existing water rights into more easily transferable ones similar to real property, in order to eliminate the current challenges.(00:25:49) Changing a System of Water RightsAustralia's successful reform in the Murray-Darling Basin, where water rights were revamped for better tradeability and how they safeguarded the environment.(00:27:31) Conclusion
The Liquid Assets crew stops by and helps us review the Bardstown Bourbon Discovery 6 and Copper & Kings newest Bourbon Finished in Brandy.
For the first time in more than a year, the Liquid Assets team get to do a recording in the same room. They take turns picking news stories that speak to wider trends impacting the beverages industry. Rabobank clients can sign up for our research via this link: Research.Rabobank.com Note: The content and opinions presented within this podcast are not intended as investment advice, and the opinions rendered are that of the individuals and not Rabobank or its affiliates and should not be considered a solicitation or offer to sell or provide services.
Patrick Donley (@JPatrickDonley) sits down with Nick King to talk about how his company, Vint, has made investing in fine wine and spirits a simple and profitable experience for both retail and accredited investors. They also touch on how Nick's work at a value-based stock fund influenced the creation of Vint in attempting to find mispriced wine assets with a margin of safety, why wine provides for great arbitrage opportunities, and Nick's thoughts on how to best succeed at the entrepreneurial game. Nick King is the co-founder & CEO of Vint, the first SEC-qualified platform that is securitizing the wine and spirits industry. Nick leads fundraising efforts, sets Vint's strategic vision, recruits talent, and manages day to day operations. Prior to Vint, Nick was on the domestic equities team at a $20bn value investment fund, where he learned to think, invest, and build a business. Nick is a graduate of the University of Virginia, with a degree in financial economics. IN THIS EPISODE, YOU'LL LEARN: 00:00 - Intro. 02:13 - How he learned about inefficient markets as a kid. 07:17 - What he learned working at a value fund and how he applies it to Vint. 09:05 - Why he maximized for learning early in his career. 10:00 - How the concept of margin of safety became important. 10:51 - What the genesis of Vint was. 11:59 - Why he thinks traditional education on the steps to start a business are misguided. 13:16 - How he explains what Vint does to people. 23:02 - What it was like working with the SEC to get approval for Vint. 26:21 - Why it is important to burn the boats in any entrepreneurial venture. 34:34 - How the process of reaching out to VCs went. 42:31 - How capital is returned to investors. 53:18 - Why Nick loves the volatility of the wine market. & much more! *Disclaimer: Slight timestamp discrepancies may occur due to podcast platform differences. BOOKS AND RESOURCES Join the exclusive TIP Mastermind Community to engage in meaningful stock investing discussions with Kyle and the other community members. Margin of Safety by Seth Klarman. REI160: The Fundrise Approach w/ Ben Miller or watch the video here. NEW TO THE SHOW? Join the exclusive TIP Mastermind Community to engage in meaningful stock investing discussions with Kyle and the other community members. Check out our Millennial Investing Starter Packs. Browse through all our episodes (complete with transcripts) here. Try Kyle's favorite tool for picking stock winners and managing our portfolios: TIP Finance. Enjoy exclusive perks from our favorite Apps and Services. Stay up-to-date on financial markets and investing strategies through our daily newsletter, We Study Markets. Learn how to better start, manage, and grow your business with the best business podcasts. SPONSORS Support our free podcast by supporting our sponsors: Airbnb NetSuite Masterclass Babbel Shopify Connect with Patrick: LinkedIn Connect with Nick: Website | LinkedIn
On this episode of Our American Stories, since the company's inception in 2005, Liquid Ass has been a popular product amongst pranksters across the world. The two-pack on Amazon currently has an unprecedented 36,000-plus reviews with a 4 1/2-star rating! [BTW: Read the ratings if you want a good laugh.] So who goes about creating such a spray? Well, a teenager, obviously. Here to tell the story are the co-founders of Liquid Assets, Andrew Masters and Allen Wittman (wearing the hat in photo). Support the show (https://www.ouramericanstories.com/donate)See omnystudio.com/listener for privacy information.
Liquid Assets hosts Stephen Rannekleiv and Jim Watson sit down with Rabobank economists Christian Lawrence and Jane Foley to dig beneath the headline consumer data and provide a clearer view on where demand (and the economy) is heading in the second half of 2023.
Vintage Whiskey, Liquor, & Cocktail Consultant with Vintage Whiskey and liquid assets ltd. He also is a Spirits Specialist & Barrel Broker. Vintage Whiskey relics tell the amazing story of whiskey brands, possibly gone, but not forgotten. liquid assets ltd is a retelling of History through Vintage Liquor Bottles & Bar Collectibles.
Steve and Jim invite Liquid Assets listeners to join them in congratulating Bourcard for becoming a father… on Father's Day. Congrats Buki!!!
Dr. Wing Lim hosts guest Gaurav Sobti, Vice President at Create Commerical Mortgage Services, in a discussion about private versus public equity and real estate investing. Gaurav holds designations as CPA, CA, and CFA, and has a wealth of knowledge to draw from in shedding light on equity and what the average investor needs to know. Gaurav Sobti is the husband of a physician - he likes to joke that his parents wanted him to be a doctor so he did the next best thing and married one. He understands investments both from the financial point of view, his career, and from a physician standpoint as well. Gaurav defines a lot of terminology for Dr. Lim and offers insight into the markets and asset classes. In this episode, Dr. Kevin Wing explores the world of private versus public equities with guest Gaurav Sobti. They talk about the differences between public and private, the pros and cons of each, the differences in leverage and liquidity, and who to buy such funds from. Gaurav shares some important advice on what to investigate and what questions to ask when approaching an EMD (Exempt Market Dealer) or fund manager. This episode is a solid groundwork guide into the world of private and public equity and real estate as an investment from a financial expert.About Gaurav Sobti, CPA, CA, CFA Gaurav Sobti has 10+ years of financial services experience across real estate, investments, finance and accounting.Gaurav's most recent formal role was with a national real estate finance firm where he was responsible for originating and underwriting commercial mortgage transactions with a specialty on CMHC insured (multi-family) financing. Prior to that, he spent 4+ years at a private investment fund which had a mortgage investment fund. Prior to that, Gaurav worked at Alberta Teacher's Retirement Fund Board on the private investments team focused on private equity transactions. Gaurav was part of a top performing team that managed a $3Bn institutional grade portfolio. Gaurav started his career at Deloitte, one of largest accounting/advisory firms in Canada and worldwide.By training, Gaurav is a designated CPA, CA and CFA Charter holder. Gaurav is a licensed mortgage associate.Resources Discussed in this Episode:Gaurav Sobti on LinkedInCreate Commercial Mortgage Services—Physician Empowerment: website | facebook | linkedin __TranscriptDr. Kevin Mailo: [00:00:01] Hi, I'm Dr. Kevin Mailo and you're listening to the Physician Empowerment podcast. At Physician Empowerment we're focused on transforming the lives of Canadian physicians through education in finance, practice transformation, wellness and leadership. After you've listened to today's episode, I encourage you to visit us at PhysEmpowerment.ca - that's P H Y S Empowerment dot ca - to learn more about the many resources we have to help you make that change in your own life, practice and personal finances. Now on to today's episode. Dr. Wing Lim: [00:00:34] Well, welcome, everyone, on a Monday night, and it's always good to see you guys. And yeah, so Kevin there, me and Gaurav. So I'm Wing Lim, Dr. Wing Lim and this is Dr. Kevin Mailo and there's Gaurav, our guest. So welcome, everyone. There are other people who might pop in later. Yeah, so we're super excited to be hosting this one, this webinar, live webinar and etiquette as we record the show and so that you guys know it's being recorded. So yeah, I'm one of the co-founders of Physician Empowerment and what we do with the live webinar and the podcast is we interview interesting people on interesting topics that might help physicians live better lives. So we're here to do all that. And so tonight I'm super pumped to have Gaurav to be our guest. And Gaurav is interesting for many, many reasons and we'll dive right into it. But Gaurav is a physician's husband, so this is one of the spouses, but he's got a very diverse background. So maybe tell me or tell us a little bit about your immediate family or extended family, how you link into the physician community. Gaurav Sobti: [00:01:45] Sure. So thanks, Wing So I like to joke that, you know, I come from an East Indian background, lots of medical doctors in that from that background. And so my parents wanted me to be a doctor. So I did the next best thing and married one. And so, yeah, my wife, she's a family physician. She's been a family physician, I think since probably 2015 when she finished her residency. She works as she works out of a clinic. We don't run the clinic. She just works out of a clinic. And yeah, her family has a few, there's a few doctors and her mom's a doctor and so is, I think her, her cousins as well. Dr. Wing Lim: [00:02:23] Right. And then you got some on your side, right? Gaurav Sobti: [00:02:26] Do I? I'd have to think actually, I don't, I'm not sure actually if I have too many on my side. Dr. Wing Lim: [00:02:31] Right, yeah. But it doesn't matter, right? We're all regular people anyways, right? It doesn't matter what profession we are. So now professionally, you have a very interesting background. You're a CA, CPA, CFA, that's quite a designation. You have institutional background and you're not, I guess you don't want to be stuck behind a desk doing people's tax returns. So you do a whole diverse a lot of things and you're into financing as well. So tell us more about what your journey is like. Gaurav Sobti: [00:03:01] Yeah, so I went to school in Waterloo. I actually studied biotechnology and chartered accountancy. So, you know, I was kind of hedging my bets, thinking maybe I'd go into medicine. Um, but yeah, so I, I worked for Deloitte, which is an international accounting firm there. It was good, I liked it, gave me a good investigative background, but kind of always knew I wanted to do finance. Decided to move out to Edmonton to join a sort of mid-size and growing pension fund, our teacher's retirement fund, and didn't really know much about finance really until I got into there and we were doing private investments. The program was, you know, I would say the book was, you know, it was a $3 billion book where that's what we were building. Dr. Wing Lim: [00:03:46] Wow, Wow. Gaurav Sobti: [00:03:47] Half was private equity, half was infrastructure. And I worked primarily on the private equity side. Yeah, we were investing in funds and co-investments. And it was fun. It was, I could have had a very cushy job, but decided that I wanted to kind of do more entrepreneurial things. So I, you know, long story short, I joined a private lender. That's where I kind of got my experience in real estate, I was there for about four years, kind of originating deals, mortgage deals. Right? Again, probably prior to that really didn't think of mortgages as investments. And then decided I wanted to get some CMHC experience, which is related to multifamily. So I joined a national real estate finance firm, learned multifamily financing, CMHC, and then now I've kind of become, you know, independent, you know, I am technically a mortgage broker, right? I like to think of myself as more of a sort of consultant, like I put together my own deals as well, equity deals for real estate as well because I think that's where my passion lies. Dr. Wing Lim: [00:04:52] Right? So that's a really interesting background. And so of course you're more qualified than anyone, but what you just said just caught my attention. You said you learned about private equity and real estate quite a few years after you became a CA, right? So that tells me that the CAs that we use, if they're the general practice kind of CA, they might not know a lot about this stuff, do they? Gaurav Sobti: [00:05:16] Yeah, no, you're totally right. Like I, when I was a CA and doing audits, right, you know, I would say my Excel skills were pretty limited as well. Right? Think now, you know, with new CAs that's improved. You know CAs, you know, they know numbers. Some of them, even within CAs, some of them know taxes, some of them don't. There were some CAs who were auditors who didn't even do their own personal tax returns. Right? So I think obviously, just like physicians, CAs come from different kind of backgrounds and experiences. Just as finance advisors do as well, right? Dr. Wing Lim: [00:05:55] It never ceases to amaze me how my colleagues and I made a lot of decisions, East, West Coast. They always run business ideas by the accountants. Gaurav Sobti: [00:06:02] Usually they'll tell, you know, then if it's your accountant because they're generally pretty risk-averse, right? Dr. Wing Lim: [00:06:08] They're very risk averse. They'll shoot down your idea even if it's a good one. Right? So anyways, that's just for what it's worth, right? Do not go to your accountant for business advice. Go there for your tax return advice. Right? So, yeah. Okay, so let's move on. So when we talk about private equity, let's talk about public markets, right? There's public, private and most people just give their money to their advisors. And most people, most physicians I know of have thrown their money into the public markets. And it's a mess out there. So do you want to make some comment about the reason that bank runs stocks, bond reversal, crypto upheaval can just give me, get a broad brush. What's the weather like? What's the temperature like out there in the public markets? Gaurav Sobti: [00:06:53] Yeah, no, I mean, so obviously there's a lot of volatility, right? You know, after Covid. Well, when Covid hit, you know, the markets took a big dive. And then there was a big run-up related to all the printing of money. Right? Now, they're kind of out of favor again. The markets have taken a hit with just interest rates rising. Right. Tech has definitely taken a huge hit. And, you know, now there's definitely recession fears coming. So, you know, the yield curve is kind of changing, you know, by the month. Right? And especially with these banking failures with ICB and now Credit Suisse like people are worried like is this another 2008? Dr. Wing Lim: [00:07:34] Very much so. Gaurav Sobti: [00:07:35] So there's definitely a lot of volatility. You're seeing that in the bond market for sure. Dr. Wing Lim: [00:07:39] Yes, exactly. So historically, people say, well, 80/20 rule, 60/40 rule 60% stocks 20/40% bonds. Oh, you're set. Well, gee, if both of them tank, what do we do if that's our retirement? Gaurav Sobti: [00:07:53] Yeah, me personally, like, I think capital should be, you know, flexible. I'm not saying, you know, public markets are bad, but sometimes, you know, there's sometimes a time to invest in them. And so there's sometimes there's better times and sometimes there's worse times. That being said, I think you look at the Canadian pension plan model, right? And Canadian pension plans are really pioneers globally when it comes to investing, right? They tend to put a lot of money into alternatives. And I would say the three big asset classes are private equity, infrastructure, and real estate. So definitely that has a place in someone's portfolio. And you know, there is a trend towards, you know, making this more widely accessible. But yeah, you definitely have to understand sort of what the risks are and, you know, private equity, again, very broad term. Right? Dr. Wing Lim: [00:08:42] So before you go further, because treat us like grade eight in finance language. Right? So what is private versus public? Why do they call it public versus private? What distinguishes them apart? Gaurav Sobti: [00:08:57] Yeah, so private, private and public, I mean, the simple difference is that, you know, public is on a, you know, it's openly traded on an exchange. There's generally more regulation there. Right? Like, you know, to go public, like there's a lot of securities documentation that have to be filled out. Whereas private can be, although there is securities regulation associated with private, it's not as regulated, right? And yeah, it's, you know, just it's privately owned. Dr. Wing Lim: [00:09:27] Right. So why do people consider, why people go into private equity versus public? What's the advantage there? Gaurav Sobti: [00:09:35] Well, I think there's a few things. So one is control, right? When you invest in a public security. Well, especially if you invest, let's say, through an EFT or a mutual fund manager, well, that manager does not have really any say or control over that over that company. Whereas, you know, if you invest in private securities, whether you're doing your own or you're investing with the manager, they're generally going to have more control, right? That's one reason. The second reason is, you know, there's diversification. There's the universe of public companies, like there's lots of public companies out there, but there's way more private companies out there. So, you know, if all you do is invest in public, then you're missing out on a segment of the market. And then I would say generally private investments they tend to, I mean they have outperformed. Right? That's another reason. There is potential for more alpha because of the fact that there is control and also because you might be investing in different, you know, smaller mid-sized companies or projects and that could eventually go public right through consolidation. Right? Dr. Wing Lim: [00:10:56] So let's go back a little bit because we are afraid of jargon. So when you say more alpha, do you mean that there's more profit? Gaurav Sobti: [00:11:02] There is potential for more profit. There is potential. Dr. Wing Lim: [00:11:04] And then that means that potentially there's more rate of return because people go to private, I know, at least I know people, myself included, go there because all the rate of return is more attractive. Gaurav Sobti: [00:11:14] There could be, yeah. Now, you know, I will caution that part of that return comes from leverage as well. Like the public markets hate leverage, right? So like if you look at like a public REIT, for example. They're definitely not going to put as much leverage on the asset. Now they'll say it's because of risk and, you know, there's probably some truth to that. But part of it is just if they put too much leverage on it, they're punished by the public markets. You don't have that issue in the private markets. Dr. Wing Lim: [00:11:45] Let's backtrack. By leverage you mean they actually borrow some money? Gaurav Sobti: [00:11:48] Yeah, they borrow. Yeah. Typically private investments, there's more leverage in loan. Right. Which, you know, leverage, you know, it can be in, you know, in the right instances, it can be a good thing for returns. Dr. Wing Lim: [00:11:58] Right. So so what other things should we consider like, say, the downside or the cons of private investment that we need to watch out for? Gaurav Sobti: [00:12:07] Yeah, I would say a con, one con is that it's not as liquid, right? So, you know, when you invest in a stock, if you need to sell, you can sell immediately. Now that can be a bad thing too, because sometimes you're your worst enemy, right? Dr. Wing Lim: [00:12:23] Chicken Little. Gaurav Sobti: [00:12:25] So yeah, like, you know, I would say if you're investing in private, you have to have a longer-term horizon, right? You shouldn't be investing funds that you're going to need anytime soon. Dr. Wing Lim: [00:12:35] So what kind of horizon, What months, years, decades? What are we talking about? Gaurav Sobti: [00:12:40] Well, definitely years for sure. Like, you know, obviously it depends on what you're investing in. But, you know, the thing is like public, you can literally buy something today, can sell it tomorrow, I might sell it for a loss, but I can sell it tomorrow. Right? Private securities, you don't necessarily have that liquidity. There are, there's I mean, we can probably for another conversation, there is a whole area called secondaries in the private markets, which does provide liquidity. But that's, again, that's probably too much for this conversation at this point in time. In general, private securities are less liquid. The other thing is transparency. Now, depending on the group you're investing in, right, like, you know, it's less regulated. So there's going to be, there can be less transparency around it. With public you have to file your statements quarterly. You're dealing with the regulator. Private overall is just less regulated and there can be less transparency. Like you could, you could just get into a deal with like, for example, a local developer. There could be, you know, very limited transparency around it. Dr. Wing Lim: [00:13:46] So in your experience, what's the split that, like most people, do they do like 80% of their money in public, 20% in private? What's your feel, like an average professional. Gaurav Sobti: [00:14:01] That's a tough question, but I would say it really depends on your own personal circumstances. And your need for liquidity. You know, that being said, I don't think you should be 100% in private, right? I think the public markets do, there is a role for them. Dr. Wing Lim: [00:14:20] Right. Gaurav Sobti: [00:14:22] And so it's, I would say, what I can tell you is that like, for example, the pension fund that I worked for, we had 35% in privates, right? So 10% was in private equity. 10% was in public equity, not public equity sorry, infrastructure, and 15% was in real estate. So I think if you look at a lot of the pension funds, you can pull up their reports, right, for Canada. Like I would say, they're anywhere between, you know, 30 to 50% in privates. Dr. Wing Lim: [00:14:55] Right. I think for most physicians, we don't, like we don't do day trading. We don't have time to do that. We're long-term. We're building up the nest egg for retirement for us and in intergenerational wealth. So for long-termers, you think it's a good idea, right, to... Because these are longer horizon, like you said. Gaurav Sobti: [00:15:16] Well, I think physicians, like the advantage they have is, you know, especially in Canada they're, generally if you're a physician, you're a physician for a very long time period. Right? You have very predictable earnings. And it's almost like a bond, right, in itself. Like that cash flow stream. So because of that, you can probably rely on that more than, let's say, other professions. Right? You know there definitely is a case to be made to invest more in private securities. Dr. Wing Lim: [00:15:49] Sure. So let's dive into it. So how can an average Joe get involved in private securities and where do they find them or what kinds are there? Gaurav Sobti: [00:15:59] So I mean, you know, some of the private wealth managers or investment managers, they may have a private offering. I will caution you that, you know, sometimes these guys are just trying to sell private securities for the sake of almost as - well I'm not sure what the right, I don't want to use the word gimmick - but they're just like, okay, we know private securities is hot. Let's get someone into, let's get these guys into private securities, but they don't necessarily know how to do actually, honestly, the proper due diligence is one. And frankly, they probably overly diversify. So when I was at the pension fund, for example, we actually ran a very concentrated private equity book where we invested inside fund managers. And then we also did direct deals alongside the fund managers. And the reason we were concentrated is because if you have like, let's say, 40 managers that you're investing in, well, they're going to have multiple funds that invest in, you know, 8 to 15 companies each, right? So that's just, like you're just overly diversified. You're probably going to end up, after all the fees are said and done, you're just going to end up getting like an ETF type return. Dr. Wing Lim: [00:17:21] Well that's exactly - I totally agree with that. And actually, it's not just me. So last time we interviewed Brandon Carlson. He's a portfolio manager and the podcast just got released. And so we asked him, I actually interviewed him in December and say, what's 2023 going, right? Where's the public markets going? And he's just saying exactly that because it's a zoo out there. So he says, if I were to predict where Fortune 500, half of this is going this way, half of that going that way. And if you just do a very broad-based diversification like index fund, you end up with the very mediocre thing, which is, you know, not much different, right? But then if you become more selective and you're not just picking average Joe, you actually need to understand what they do. And become more select, more focused. Then you probably win, right? So I guess that applies to private equities then? Gaurav Sobti: [00:18:17] No, definitely. Yeah. Like, so that's one thing to consider. You don't want to be overly diversified either because if you're trying to, you know, the whole one of the reasons to invest in private is to get that additional return. And if you just end up overly diversifying there, it kind of defeats the purpose. Right? And honestly, you have to just, depending on who you're investing with, like you might be able to find like a manager that you can invest directly who invests in companies. Right? Or you can invest through what is known as a fund of funds. So the fund, they create a fund like a feeder fund, which invests in a variety of managers. And honestly selecting the right manager to invest in, there is a skill to that. And there is a process. But if that manager is investing in, if your fund a fund is investing in too many managers and then they're laying on too many fees, then again, you're just going to end up with a ETF return, right? Dr. Wing Lim: [00:19:18] Right, exactly. Now let's pivot and move into that space, into more day-to-day. Who would end up buying these funds from. And there's a, one of the hot, hot, at least in my experience and in my space, but one of the hot, hot things is real estate, right? Real estate funds is part of this private equity. And they're a big chunk of real estate. And so I think you and I are both passionate in this space. And there's a lot of capital raised. There's a lot of good returns. So how would you describe the space right now, this real estate fund space. Is it expanding? Is it hot? Is it worth getting into it? Gaurav Sobti: [00:19:55] Definitely expanding. The whole alternatives is expanding and real estate is probably, you know, I haven't looked at the statistics, but it's probably one of the largest private asset classes. Right? And there are more private funds kind of showing up. Yeah, so you could find a manager to invest with. You could find a sponsor to invest in. You could go through an EMD as well, right? EMDs have different products on their shelves. But again... Dr. Wing Lim: [00:20:30] Let's talk about EMDs, that's a good catch phrase. Right? So what does EMD mean and what are they? What do they do? Gaurav Sobti: [00:20:40] Yeah. So Exempt Market Dealer - I was actually formally registered as an Exempt Market Dealer back in 2015 and I'll be honest, I didn't fully understand it at that point. I was maybe 25, 26. I just had the right credentials and someone got me registered. I got to learn about this space a lot later on, right? And think I have a better appreciation for it. So yeah, so an EMD is an exempt market dealer. From my understanding these are groups that are essentially allowed to raise capital in the exempt market space. Dr. Wing Lim: [00:21:12] So why, exempt from what? Gaurav Sobti: [00:21:14] From a prospectus. So when you're raising capital, there's, if you raise capital in the public markets, you have to prepare what is known as prospectus. Which is essentially a legal/marketing document to go public. When you raise money in the in the private markets, there's various exemptions that you can rely on to raise that capital. And, you know, one is, you know, friends and family, another is the accredited investor exemption. Right? And so if you're, I would say EMDS, one) from a from an issuer point of view, from like a sponsor point of view, if they're raising capital on a very frequent basis, then I believe they need to use an EMD right, to stay on with regulation. But EMDs also provide products to potential investors, right? So they have products on their shelves that they essentially sell. So you know, we've done our due diligence. We've approved them. And here you can invest in this product. That being said, I would say, I would caution you coming from a pension background and coming from learning from a mentor who really taught me how to do diligence and having an audit background, I personally would be skeptical of an EMD's, like how much diligence have they truly done? Right? There's probably some out there that are great, but there's some out there that are just pure salespeople who don't really understand the risk, haven't really done significant amount of diligence. Right? And frankly, they're probably not even investing their own capital in the opportunity. Dr. Wing Lim: [00:22:53] So basically, to recap, EMD in my mind, is more like a brokerage house that they have a product shelf and then the different products and these are all private equity products. Gaurav Sobti: [00:23:06] Yeah, that's a... Dr. Wing Lim: [00:23:07] So to speak. Gaurav Sobti: [00:23:08] That's a good way to sum that up. Dr. Wing Lim: [00:23:09] Good way to sum that up, right? So versus you go to mutual funds manager or advisor mutual funds. So that's all the public equities. Most average financial planners will sell you public equities, right? And the private equity salespeople are the... DRs. Right? So, and I don't know how everybody's exposure is, there more and more DRs because there are more and more projects. So other than EMDs, would there be some funds that people can buy directly or like, say, from this what you call sponsor, like the developer, the issuer they call them? Or what about a REIT? Can people just directly buy from these people? Gaurav Sobti: [00:23:48] Well, even if you invest in a private REIT, for example, most likely that private REIT is raising capital on a frequent basis. There will be an EMD involved. Like for example, I was just more curious, I won't name the shop, but, you know, I was just very curious about a certain apartment sort of issuer. Right? Private issuer. So I just, you know, I reached out to them. They immediately, you know, directed me to a third party EMD who I had a chat with about the suitability, first of all, about the opportunity. But whether it's suitable for me. Right. So chances are, if you're dealing with somebody who's raising capital on a very frequent basis, you will get in touch with an EMD. You can invest in projects directly without an EMD, right? But then the issuer has certain responsibilities. Dr. Wing Lim: [00:24:41] So you talk about accredited investors, right? So think a lot of EMDs, they look for doctors because we are mostly high net worth, right? So can you briefly just tell the audience what's the space about accredited versus non accreditors, the eligible to like, where do they make the cut-off? But do we fit? Gaurav Sobti: [00:25:01] So accredited investors, I mean... You know I think it's you have to have $1 million in net financial assets that can include your house or you have to make, you know, $200,000 individually or $300,000 with a spouse. And I believe it's like a two-year cut-off. And you have to believe that it's going to persist, right? So that's kind of the definition of accredited. So most doctors, you know, even if they don't meet the financial, the net financial asset test, they'll generally make it on the income test. Right? And then, you know, there's obviously a path forward to get to that net financial asset test as long as they, you know, continue to save money and invest properly. Dr. Wing Lim: [00:25:41] Right. And then for those of us who are a little bit more exposed, I don't know about the audience, but certainly I'm very familiar with this space. So they promise a lot of returns, double-digit, like 8, 9% prep and then back end. So we end up with 15, 20, 20+ percent. So do you think those are realistic? Are these real? Are they true or are they poo? Gaurav Sobti: [00:26:05] Yeah, I mean, I think I think they can be realistic, but, you know, definitely there can be a game to it as well, right? Like you can, you know, you can put together a model, right? And, you know, you can make whatever assumptions you want and you can create that 20% potential return. But I think you have to, like I think there's a few things you got to look at. What I look at, for example, is like definitely I want to have alignment of interest with whoever I'm investing with. I want to make sure that they have skin in the game, you know, whether it's through investing cash, hard cash in the deal, plus, you know, potentially putting up their guarantee. Right? They don't always have to have everything, but there's got to be some level of alignment of interest. And then you want to see what kind of, do they only talk about the potential gains, do they even mention any of the risk? What's their track record? Have they done it before? Right? And so those are kind of some of the critical pieces. Do they understand financing? I think that's pretty, especially in real estate that's very important. So I've met with Bob Dylan, for example, from Main Street, right, which is the company. He's very successful. Dr. Wing Lim: [00:27:22] Big guy Gaurav Sobti: [00:27:24] Big personality type. And you know, he said like, you know, in this business, you know, you make money on the buy - and again he's more value-add apartments - you make money on the buy, you make money on the financing. You'd be surprised how few sponsors, like how little finance knowledge they actually have and how little knowledge they have related to like even financing. Like I was, people send me opportunities to look at from time to time and, you know, I kind of give my input, right? Like I try to give my unbiased opinion. And someone showed me an opportunity in Winnipeg and it was $100 million project and they were using an interest rate that was like 2% below the current market, right? And so it's like, do you not understand? Like, you know what I mean? Like, you should have this basic understanding. And the other thing I would say is you have to see like, listen, you're going to pay fees, right? Whether you invest in the public markets, if you invest your manager or you invest in private, there are going to be fees. And sometimes the fees in privates are going to be higher. It is more work to put a deal together versus just investing in a stock. But is there an alignment of interest? Like is there a preferred return, for example? Right. I was just looking at another opportunity the other day for somebody and, you know, these guys were taking 40% sweat equity, no preferred return. And they didn't, it didn't seem like they were really putting any cash in the deal. So these are some of the things you should look for, right, when you're kind of evaluating somebody. Dr. Wing Lim: [00:29:01] Right. So to recap what you say, well, they give you very attractive return while some of those are actually true. But there's a lot of stuff hidden behind that is all by assumption. And we have to do some sort of a due diligence. Gaurav Sobti: [00:29:16] Or you have to get somebody who knows how to do it. Like, you know, like-- Dr. Wing Lim: [00:29:19] Because they-- Gaurav Sobti: [00:29:19] -- who can do it for you. Dr. Wing Lim: [00:29:21] Or you have to find somebody who could do the due diligence, short for DD, right, a proper DD. So of course with your background being an accountant, auditor and with your CFA, of course you would know how to crunch numbers. How would average Joe Doctor know whether the salesman across the table knows what they're talking about? Gaurav Sobti: [00:29:43] I mean, I would say you got to educate yourself, right? So if you want to take the path where you're going to do it on your own, then you definitely have to educate yourself. And it's not that it can't be taught, but you have to invest in that process. You know, despite being relatively educated, right, on the financial side, you know, I think anybody is capable of learning something. But they have to they have to have the time. And they have to commit to it. Dr. Wing Lim: [00:30:11] Right, exactly. Now, so we have actually gone over time, but I want to switch over and spend a little bit of time about institutional-grade real estate investment. So that's part of our topic. So what would you say is the institutional-grade real estate investment project? Well, you can. Gaurav Sobti: [00:30:29] Think of institutional grade as generally, I mean typically they are larger assets, but I mean I think you can do it on a small scale too. You just have to have some of the same structures, right? So when, let's say when you're valuing an opportunity, is there a preferred return built in? That's one, that's probably, you know, that's typically a sign of, that's like an institutional concept, right? If they don't have that, then it's definitely not meeting that test, right? Dr. Wing Lim: [00:31:00] So to me, institutional grade is what institutional funds would buy, right? So that or they would sell, right? And so if somebody builds a project and they would the institution would smell you and say, I want to buy you out, then, you know, you got institutional grade real estate, right? Because you're worth pursuing. But it's different, right? Because we, most doctors have one, two, three, 20 doors of condos or houses. And so these are moms and pops, right? And there's a different level, which is the bigger, more sophisticated real estate. Gaurav Sobti: [00:31:34] So yeah, generally larger assets for sure are considered more institutional grade for sure. Yeah. Dr. Wing Lim: [00:31:39] And the returns are different. The effort is different, right. And so that would be a discussion for a different day. Okay, so, one final question. So yeah, you already answered some of that for us, what's the next step if we're interested in this or - our audience is diverse, I know some of the audience already talked to you one on one - some already have a huge portfolio and they're actually walking into institutional-grade already. So what's next for people like that or for the average doctor if they want to expand? Gaurav Sobti: [00:32:14] Yeah, I mean you can consider investing in, like these GPLB structures, right? Just kind of keep kind of some of the things that I said in mind, right, when you're kind of evaluating these opportunities. And, you know, there are, you could talk to an EMD. But just again, if you're talking to an EMD I would say make sure that they're investing their own capital in those same opportunities. That's probably one of the first questions to ask them. And really understand their due diligence process and who's doing their due diligence. Dr. Wing Lim: [00:32:46] Yeah. Okay, good. Thank you, Gaurav. It's a lot of questions. It's a lot for people who haven't heard about this quite a bit. Dr. Kevin Mailo: [00:32:54] Thank you so much for listening to the Physician Empowerment podcast. If you're ready to take those next steps in transforming your practice, finances, or personal well-being, then come and join us at PhysEmpowerment.ca - P H Y S Empowerment dot ca - to learn more about how we can help. If today's episode resonated with you, I'd really appreciate it if you would share our podcast with a colleague or friend and head over to Apple Podcasts to give us a five-star rating and review. If you've got feedback, questions or suggestions for future episode topics, we'd love to hear from you. If you want to join us and be interviewed and share some of your story, we'd absolutely love that as well. Please send me an email at KMailo@PhysEmpowerment.ca. Thank you again for listening. Bye.
Chief Investment Officer Troy Harmon, CFA, CVA, Senior Associate Michael Griffin, CFP®, and Senior Financial Planner Giuliana Barbagelata, CFP® team up to discuss an investor whose deposits have well-exceeded the FDIC insurance limit at his bank. They offer solutions to protect his liquid assets. Read the Article: https://www.henssler.com/understanding-fdic-insurance-limits-how-to-keep-your-deposits-safe
Henssler Money Talks – April 22, 2023Season 37, Episode 16This week on “Money Talks,” Chief Investment Officer Troy Harmon, CFA, CVA, Senior Associate Michael Griffin, CFP®, and Senior Financial Planner Giuliana Barbagelata, CFP® discuss March's Retail Sales, Industrial Production, and earnings season. The financial experts team up to discuss an investor whose deposits have well-exceeded the FDIC insurance limit at his bank. They offer solutions to protect his liquid assets. The hosts finish the show answering a listener's question on Bank of America and UBS Group. Timestamps and Chapters00:00 Market Roundup: Covering April 17 – April 21, 202323:27Case Study: Pay Attention to FDIC Limits34:34 Q&A Time: Bank of America and UBS Group Follow Henssler: Facebook: http://bit.ly/HensslerFacebook Twitter: http://bit.ly/HensslerTwitter LinkedIn: http://bit.ly/HensslerLinkedIn Instagram: https://www.instagram.com/hensslerfinancial/YouTube: http://bit.ly/HensslerYouTube “Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/
We all know that in the case of an emergency, it's nice to have finances not tied up in stuff like real estate or the like - i.e., liquid assets. But did you know that's not all that you want liquid assets for? This week, your Lords of Liquidity (not an actual title), Erik Garcia, CFP®, BFA, and Xavier Angel, CFP®, ChFC, CLTC, discuss liquid assets, what they are, where you'll keep them, and what you'll use them for. They talk about how liquid assets can help out in business, paying for school, and calming anxiety. Episode Highlights: Xavier explains that liquid assets are the assets that you can readily move to cash, if you need to get your hands on it quickly. (2:37) Xavier mentions that liquidity is essential for taking care of day-to-day expenses and saving for future needs. (6:53) Erik explains that liquid assets help businesses feel more confident and comfortable going into the month. (9:19) Erik shares that liquidity makes debt tolerable, especially lower interest rate debt. (13:24) Erik mentions that liquidity reduces stress, allows us to make better decisions, and provides safety and security. (15:57) Erik discusses how liquidity allows us to be more efficient and purposeful with our investments. (17:21) Xavier mentions that it is important to review our retirement plans when tax planning. (21:29) Xavier recommends individuals to sit down with a financial planner and advisor to discuss how to begin saving to build net worth. (24:29) Erik shares that a good financial planner helps you match up assets with liquidity events and keep you accountable. (27:05) Erik discusses why having liquidity is one of the most important things that we can be talking about right now. (28:28) Key Quotes: “Sit down with your Certified Financial Planner and let that individual look at where you currently are, what are you doing, and what is a more efficient way to begin saving to begin building net worth. Do you have enough liquidity?” - Xavier Angel, CFP®, ChFC, CLTC “When you have liquidity, when you have cash available, debt becomes tolerable, especially lower interest rate debt.” - Erik Garcia, CFP®, BFA “Having liquidity reduces stress, it allows us to make better decisions when we know we've got the safety and security of some type of liquid assets on top of cash. ” - Erik Garcia, CFP®, BFA Resources Mentioned: Erik Garcia, CFP®, BFA Xavier Angel, CFP®, ChFC, CLTC Plan Wisely Wealth Advisors
Offerings for Jesus — Review of Lesson #4 of the 1st Quarter of 2023 -The Sabbath School Lesson study guide can be found here:https://ssnet.org/lessons/23a/less04m.htmlThe title of this quarter's theme is: Managing for the Master – Till He ComesFor the next 13 weeks (January to March 2023), we will take a look at the practical implications of occupying this planet in a meaningful and productive way while we wait for the Second Coming.If you have any questions or comments, please send them to: BibleQuestions@ASBzone.comRelated Podcasts:Everlasting CovenantThe Differences Between the Old and New Covenants2022-Q1-08 Lesson Review: Jesus, the Mediator of the New Covenant2021-Q4-03 Lesson Review: The Everlasting Covenant2021-Q2-10 Lesson Review: The New Covenant2021-Q2-04 Lesson Review: An Everlasting Covenant2021-Q2-02 Lesson Review: Covenant Primer2019-Q4-08 Lesson Review: God and the Covenant The Thing About Tithing - Part 1 (at TrueWisdom) The Thing About Tithing - Part 2 (at TrueWisdom)Support the show------During many of our podcasts, you will hear us make reference to “The Key Principles of Effective Bible Study,” a document which outlines core concepts shown in the scriptures that will help you better understand many Biblical themes and doctrines. We have done a whole podcast series on these principles which can be found here (https://BibleStudy.ASBzone.com/357512/8572886).Lastly, we recommend that you check out https://TrueWisdom.buzzsprout.com for additional Bible Study podcasts, covering many different Bible topics, and done in a slightly different format from the podcasts on this channel.We pray that all of these resources will be very helpful to you in your Bible Studies.
Inflation to slump to 2.2% by year-end, setting up rally for stocks: Wells Fargo (msn.com)New data suggests Consumer Price Index could be negative | Watch (msn.com)FTX Says It Has Located More Than $5 Billion in Cash, Liquid Assets (msn.com)Oil ends higher even as the EIA reports one of its biggest weekly crude supply increases on record (msn.com)If I Did It - WikipediaErik's Links:esInvests - YouTubeesInvests - WebsiteSponsorshipsSupport for 2 Bulls is brought to you by MANSCAPED™, who is the best in men's below-the-waist grooming. Their products are precision-engineered tools for your family jewels. MANSCAPED's™ Performance Package the ultimate men's hygiene bundle! Join over 7 million men worldwide who trust MANSCAPED with this exclusive offer for you…. 20% off and free worldwide shipping with the code: 2BULLS at manscaped.com.If you are interested in signing up with TRADEPRO Academy, you can use our affiliate link here. We receive compensation for any purchases made when using this link, so it's a great way to support the show and learn at the same time! **Join our Discord for a link and code to save 10%**Check out the custom studies for futures trading over at OrderFlow Labs. We do not receive any compensation for referrals, we just love their community and tools!To contact us, you can email us directly at 2bulls@financialineptitude.com Or leave a message at (725) 22-BULLS. Be sure to follow us on Facebook, Twitter, or Discord to get updated when new content is posted! If you enjoyed this week's guest, check out our directory for other amazing interviews we've done in the past!If you like our show, please let us know by rating and subscribing on your platform of choice!If you like our show and hate social media, then please tell all your friends!If you have no friends and hate social media and you just want to give us money for advertising to help you find more friends, then you can donate to support the show here!China Shop Links:2 Bulls DiscordChina Shop MerchGuest DirectoryAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy
Super Ducktales part 1: Liquid Assets Podcast, Woo-oo! Today on the St Canard Files we leave comics behind for a while to talk about an episode of the original Ducktales. And not just any episode! We're discussing "Liquid Assets", the first part of the Super Ducktales serial and the introduction of Fenton Crackshell! We've got Beagle Boys is disguise, Scrooge being easily fooled by everything and a bean counter who wants more out of life. We also discuss the original NBC Wonderful World of Disney airing of the TV movie version of this serial, as well as scenes edited out of the syndicated version. So hold on to your assets, pour a box of Banana Bran Flakes and enjoy! Links- https://linktr.ee/StCanardFiles DW #DarkwingDuck #Ducktales #DisneyAfternoon This podcast is powered by Pinecast.
This is the second episode of a 3-part mini series dedicated to all things Virginia Wine in partnership with The Veraison Project and Oenoverse initiatives. This episode features Lance Lemon, a Virginia native and a 2011 graduate of the University of Virginia. Lance double majored in Acting and Studio Art with a focus in Cinematography. Lance is an Actor at heart. He is also the Co-Founder of RichWine RVA and Co-Owner of Penny's - a Jackson Ward Wine spot located in the heart of Richmond. His interest in wine began when he moved to New York to continue his acting career and had the opportunity to bartend at Jean Georges ABC Cocina and Kitchen. Cocina soon led him to a role as a wine sales rep for Frederick Wildman and Sons, where Lance learned a tremendous amount about wine. He moved on to help curate, open, and manage two successful wine shops in BedStuy, Brooklyn: Wine - O and Liquid Assets. Lance is WSET level II certified and is advancing through the levels for the pure joy of it. We talk a lot about how he truly believes that "Knowledge is wealth" and how he is excited to be an integral part of the ever-growing wine scene in Richmond. He describes what it's like to be working part-time at Early Mountain Vineyards in production, learning the beautiful intricate craft of winemaking as a Cellar Technician. The RichWine Motto is "Good Wine. Good People. Good Time" - You can follow his adventures on social at @lancelemon and @richwinerva, and you can learn more about his wine retail business at www.richwineva.com. Recorded October 3, 2022 --- Support this podcast: https://anchor.fm/acorkintheroad/support
The following guests sit down with host Justin White:• John Kresevic – CEO, JFQ Lending• Roger Moore – Founder and President, Loan ProntoAdding HELOCs to your menu of product offerings will help your business now and in the futureWith home equity levels at all-time highs, HELOCs give borrowers an opportunity to access that equity without having to refinance their first mortgage. How can independent mortgage brokers sell HELOCs to boost their volume now while also setting themselves for success down the road? Listen to Episode #25 of Good. Better. Broker. as we talk with the leaders of two companies who have embraced HELOCs as part of their business. In this episode of the Good. Better. Broker. podcast, you'll learn how to strategically add HELOCs to your product offerings. In this episode, we discuss ...• 1:55 – Why John believes HELOCs are a good option in this market• 2:55 – John on the appeal of a HELOC for borrowers• 4:00 – How John assesses which of his clients could be a fit for a HELOC• 5:40 – How JFQ Lending plans to turn HELOCs into future business• 7:20 – John's advice on how to approach client questions on HELOCs• 9:28 – John's advice on how to originate HELOCs as seamless as possible• 12:11 – Roger on why HELOCs are an attractive option for borrowers• 12:57 – How Loan Pronto's HELOC product has performed since its rollout• 13:50 – Roger on how HELOCs can help you stay in front of clients• 15:04 – How HELOCs can give your business momentum in this market• 16:52 – Roger on how to sell a HELOC to a borrower• 18:57 – How Loan Pronto plans to turn HELOCs into future business• 20:39 – Why originators need to embrace HELOCs as part of their business Show Contributors:John KresevicConnect on LinkedIn Connect on FacebookConnect on InstagramRoger MooreConnect on LinkedIn Connect on FacebookConnect on InstagramJustin White is UWM's in-house brand journalist and the host of the daily news video, Inside Pass. He creates engaging content across multiple platforms to promote the benefits of the wholesale channel and partnering with UWM. A seven-time Emmy-award winner, Justin is a graduate of the S.I. Newhouse School of Public Communications at Syracuse University.Connect with Justin on LinkedIn, Instagram or TwitterConnect with UWM on Social Media:• Facebook• LinkedIn• Instagram• Twitter• YouTubeHead to uwm.com to see the latest news and updates.
How do we find stable footing in a world that can be so unpredictable? Even the Disciples had problems with this while having Jesus with them. Today's scripture comes from Matthew 14:24-27. Original Broadcast Date: August 21, 2022 creekwoodumc.org
Randy Naar is a software engineer at Blockstream, working on getting assets on the Liquid side chain. In our talk, we spoke about what Liquid is, how it works, Liquid Network usage today, and the applications that asset issuers might want to use Liquid for in the future. → Liquid: https://blockstream.com/liquid/ Sponsors → Voltage: https://voltage.cloud?utm_source=kevinrooke&utm_medium=Youtube&utm_campaign=1mo → ZEBEDEE: https://zeb.gg/rooke Before every show, I ask listeners on Twitter to send in their best questions for future guests. I read off all the questions for the guest, and pick one listener to receive a split of the sats earned for the episode. To ask a question, send a message, or to support the show, download Fountain from the App Store and load your wallet with a few sats. → Fountain: https://www.fountain.fm/ → More Episodes: https://play.fountain.fm/show/P6XXuSPg6f2rj4ECB0fT → Lightning Address: ⚡kerooke@fountain.fm Links → Twitter: https://twitter.com/kerooke → Books: https://www.kevinrooke.com/book-recommendations → Blog: https://www.kevinrooke.com/blog Timestamps 00:00 - Intro 02:13 - Randy Naar Intro 08:25 - How Does The Liquid Sidechain Work? 13:26 - Liquid & Lightning 27:02 - What Is The Bear Case for Liquid? 39:23 - Liquid Usage Today 47:51 - Attracting Developers To Build on Liquid 49:50 - Liquid Assets & Taro Assets 1:02:31 - The Lightning Round
As the world braces for recession, Rabobank's world-class economists Jane Foley and Christian Lawrence join the Liquid Assets team to dissect the most recent economic news and share what indicators they'll be watching in the months ahead. Check out our 2022 economics preview from January: The Most Important Trends of 2022. Rabobank clients can sign up for our research via this link: Research.Rabobank.com
With the Jobs Act and other US Government initiatives to enable non-institutional investors to invest in start-ups and early fund rounds America is again building wealth and IP by leveraging its creative people with its financial communities. It sets America apart from its more conservative partners like Australia and the EU. If you are an early-stage US based investor or entrepreneur come join Greg Sossaman and Jeff Cole and Nitin Gaur for an introduction to a new and more efficient way of raising risk capital in the USA.
With the Jobs Act and other US Government initiatives to enable non-institutional investors to invest in start-ups and early fund rounds America is again building wealth and IP by leveraging its creative people with its financial communities. It sets America apart from its more conservative partners like Australia and the EU. If you are an early-stage US based investor or entrepreneur come join Greg Sossaman and Jeff Cole and Nitin Gaur for an introduction to a new and more efficient way of raising risk capital in the USA.
Scott sits down with the guys again to discuss favorite pours, tours and more. Jenna comes in to give us the female bourbon lover prospective .
Scott sits down and discusses a Starlight Barrel Pick with Chris, John and Seth from the Liquid Assets pick group. We discussed this Armagnac finished bourbon, an Armagnac bottle and their favorite everyday pour.
Welcome to Episode 934 Steve Raye interviews Bourcard Nesin in this installment of Get US Market Ready With Italian Wine People on the Italian Wine Podcast. About today's guest: Bourcard Nesin is a research analyst at Rabobank, where he helps some of the world's largest food and beverage companies navigate e-commerce and digital transformation. His research has been featured in The Economist, Bloomberg, Wall Street Journal, Forbes, USA Today, Progressive Grocer and other leading publications. He also co-hosts and produces Liquid Assets, the world's highest beverage industry podcast. You can find out more about this guest by visiting: Website: Liquid Assets: A Beverage Industry Podcast on Apple Podcasts Twitter: @beveragepodcast Linkedin: Bourcard Nesin | LinkedIn More about the host Steve Raye: Steve Raye of Bevology Inc originally joined our weekly lineup with narrations from his book “How to get US Market Ready” - but everyone just loved him so much, we brought him back with this series of interviews that informs and inspires! Each week he speaks to industry professionals; guests who have gained valuable experience in the Italian wine sector and have insightful tips and stories that can help anyone who wants to learn about getting US Market Ready! For more information on the host Steve Raye you can check out his website, Bevology Inc. here: www.bevologyinc.com/ Let's keep in touch! Follow us on our social media channels: Instagram @italianwinepodcast Facebook @ItalianWinePodcast Twitter @itawinepodcast Tiktok @MammaJumboShrimp LinkedIn @ItalianWinePodcast If you feel like helping us, donate here www.italianwinepodcast.com/donate-to-show/ Until next time, Cin Cin!
In a format designed to maximize controversy, the Liquid Assets team analyzes some of the industry's most urgent and contentious opinions and predictions. Expect plenty of rapid-fire debates as they answer questions like "Is hard seltzer dead?" "In two years, will anyone be talking about NFTs?" and "Will the US ever legalize marijuana?" Rabobank clients can sign up for our research via this link: Research.Rabobank.com
Constellation Brands' Vice President of E-commerce, Wayne Duan, and Adam Springer, Constellation's Director of E-commerce Category Advisory, help the Liquid Assets team breakdown the US online alcohol business. In the first of two episodes featuring the digital team from Constellation Brands, we tackle big picture questions like: How much has the pandemic changed the e-commerce landscape for US alcohol brands? How should alcohol companies approach their e-commerce investment? What does the average online alcohol shopper look like? In a world of tied-house laws, how can brands improve the online shopping experience? Additional resources: To access Rabobank's 2022 Alcohol E-commerce playbook, click here. Rabobank clients can sign up for our research via this link: Research.Rabobank.com (just list Bourcard Nesin as your “Relationship Manager”)
Anthony returns to give us a deep dive into ways to shift your mindset on building wealth. He talks about ways to start building liquid assets such as cash for savings, Roth ira, and investments. Additionally, he shares his opinion on social media's impact and how it causes individuals to fear making investments. Host IG:@itstanyatime Guest IG: @financiallituation Youtube: $harestv See omnystudio.com/listener for privacy information.
February may be the shortest month, but this year, it has felt like the longest. To break it all down, the Liquid Assets team discusses the biggest stories from the past few weeks: Monster Beverage Corp's beer dealings, the US Treasury Department's report on fairness and competition in the US alcohol industry, and, finally, the potential impact of a global public policy push to reduce alcohol consumption.
Get up-to-date on equity markets, labor, and inflation as Rabobank's world-class economists Jane Foley and Christian Lawrence join the Liquid Assets team to dissect the economic stories you need to pay attention to in 2022.
In this episode you'll learn what challenges and opportunities one of the sharpest minds in marketing sees in the US drinks industry as categories converge and branding becomes more important than ever.Will and special guest co-host Bourcard Nesin (of the Liquid Assets podcast) talk to Jonnie Cahill, the Chief Marketing officer of Heineken USA. Jonnie gives razor sharp analysis and insight into the current US drinks scene where consumers increasingly don't care what category a drink belongs to, they just want to be delighted with great liquids and beautiful brands. Seltzers, such as Heineken's Arizona Sunrise, loom large in the conversation but Jonnie explains how beer can innovate and grow well into the future, siting the example of Heineken 0.0, a brand he helped create.For our Desert Island Drink Foxy sneaks back into studio and we talk to Simon Thompson of Thompson Bros. Distilling from Dornach on the East coast of Scotland. Simon gives a very different perspective on distilling for flavour in a distillery the size of a shed and using ingredients like heritage barleys and brewers yeasts. Simon also proves he's one clever bucko when it comes to thinking about what drink to choose for the island a why. Plus we recap the huge news that Business of Beverages is going to host a two day event in Leuven, Belgium on May 25th & 26th of 2020! Get in touch at bizbevpod@gmail.com if you would like to attend, speak or sponsor.P.S. Bourcard's sister played rugby, obviously ;-)For more highlights and lowdowns follow us on Twitter/Instagram: @BizBevPod (manned by Foxy), or LinkedIn/Facebook (manned by Will).Business of Beverages is self-funded and hosted/ edited/ independently produced by Will Keating. Pádraig Fox co-hosts in a personal capacity.All opinions are those of the person expressing them at all times.Recorded at Hellfire Studios.Support the show (https://www.buymeacoffee.com/BizBevPod)
There Goes the $HOOD https://finance.yahoo.com/quote/HOOD/ Robinhood's latest stock price after first earnings report as a public company Decrease in trading of Dogecoin and other crypto currencies Accounted for a huge percentage of revenue Q1 BNPL News of the Week https://finance.yahoo.com/news/paypal-no-late-fees-pay-in-4-064150639.html?fr=sychp_catchall PayPal realizes it has to compete Regulators are taking notice of the hot BNPL market Topic: Have Your Wine and Drink it too (If this is too long, you could use “Liquid Assets” haha) https://www.vinovest.co/ There is a fintech for everything! Investment platform for wine enthusiasts
Russell interviews Derron Whitaker with Liquid Assets
They warned us about the return of inflation during their last appearance on Liquid Assets. Now, six months later, we welcome back the Rabobank economic duo, Jane Foley and Christian Lawrence to discuss this pesky inflation situation and dive deep into how the beverage industry is dealing with upstream price spikes and shortages.
We have just completed three years of producing Liquid Assets, and it is high time for some joyful navel-gazing. In this episode, we look back at three years of the show and discuss what we got right and what we got wrong, and we send some love to the industry leaders who inform and inspire us and fill us with jealous rage.
Investment apps have garnered a lot of attention this year, as the thwarted GameStop short displayed how democratized access has changed the flow of market information and actions. While some have treated it as a game, investing is a great way to protect and build wealth. And while we are experiencing inflation, democratizing and making those tools available to everyone is an important step in re-imagining personal finance to help build up the middle class. We spoke to Brian Barnes, the CEO of M1 Finance, who is working to make investing part of every persons financial management, and has created a way to encourage micro-investing that helps people think long term and understand that everything is becoming digital, even the rancher's cows...Guest: Brian Barnes, CEO of M1 FinanceHosts: Sanjib Kalita, Editor-in-Chief, Money20/20Rachel Morrissey, Producer, Money20/20Producers: Roland Bodenham, Senior Video Producer and Podcast Lead, Money20/20Rachel Morrissey, Producer, Money20/20
A short one because we're all busy people. Maybe us more than you. But we fit in a lot of topics, from how to launder crypto to appreciating 90s mall punk, and everything (well, very little, actually) in between. Sponsor Upstart is the fast and easy way to pay off your debt with a personal loan –– all online. Visit Upstart.com/Overtired to get your fast approval with up-front rates. Show Links Diarrhea Crypto: Everything You Need To Know K.flay Don't Judge a Song By Its Cover Join the Community See you on Discord! Thanks! You're downloading today's show from CacheFly's network BackBeat Media Podcast Network Check out more episodes at overtiredpod.com and subscribe on Apple Podcasts, Spotify, or your favorite podcast app. Find Brett as @ttscoff and Christina as @film_girl, and follow Overtired at @ovrtrd on Twitter. Transcript Brett Brett: [00:00:00] [00:00:00]Hey, you're listening to overtired. I am Brett Terpstra. I am here with Christina Warren, Christina, how are you? [00:00:11] Christina: [00:00:11] I'm good. I don't know what time zone I'm in, but I'm good. And, uh, how are you? [00:00:16] doing we're recording finally, there were some hiccups that I think you want to talk about. [00:00:22] Brett: [00:00:22] so many hiccups. I mean, scheduling a loan. [00:00:25] Christina: [00:00:25] I know. [00:00:26] Brett: [00:00:26] I'll be lucky if this act, if you're listening to this on Friday, something went really well. There's a good chance. That's episode comes out on Saturday. There's also a good chance. That's only 30 minutes long because we're busy people and things got, uh, just what's the word for when everything goes sideways. [00:00:43] Christina: [00:00:43] fucked. [00:00:44] Brett: [00:00:44] Yeah, everything got fucked. Yeah. So anyway, w last time when we first tried to record this episode, I, I got on and there was this loud hissing that I just assumed was Christina, and then it wasn't Christina. [00:00:59] Christina: [00:00:59] It's a [00:01:00] good assumption, but it was not this case. It was actually not my fault. [00:01:03] Brett: [00:01:03] And I, I th so I want to talk about cable management. Uh, I want to come back to this topic, but I ended up taking everything apart. Like I have so many boxes and cables that everything plugs into trying to figure out where this was coming from. And the thing was it's only in Skype and the audio recorded from the microphone while on the Skype call has no hits at all. [00:01:29] And it's all very confusing, but I had a zoom call right after and the audio is fine. So if you could talk to Microsoft about this, um, it's Skype, it's all Skype [00:01:42] Christina: [00:01:42] Okay. Um, if I knew the Skype [00:01:45] people, I would, and I think they would probably politely listen, but I'll try. [00:01:49] Brett: [00:01:49] when it does that thing. When you end a call and it says, how was the quality of your [00:01:53] Christina: [00:01:53] Oh yeah. I can do like one. [00:01:56] Brett: [00:01:56] I'll I'll do it. It's it's it's my problem. I'll take care of [00:02:00] [00:02:00] Christina: [00:02:00] I'll do it too. And then I'll write it. [00:02:01] I'll be like, you're doing something to our audio and we don't know What it is because it's recording cleanly, but you're adding noise and we don't like it. [00:02:10] Brett: [00:02:10] What do you want us to do? Use Google Hangouts. Come on, [00:02:13] Christina: [00:02:13] Fuck sake. Come on, zoom. [00:02:16] Brett: [00:02:16] everyone. Everyone else is recording through. Like newer, more modern technologies and only people like you may. And, uh, I guess some old school podcasts are still recording on Skype. [00:02:31] Christina: [00:02:31] Yeah, I mean, the thing is, is that it has its issues and I'm not defending that, but it's also like one of those things where, because I have to use zoom for some things, but zoom is such a shitty company. Like they're, they're really just such a terrible company and their policies are jus...
We're joined this week by Tom Usher to talk about the most British fanaticism: football. We talk about our own connections with the sport, primarily with Arsenal, and how the atmosphere at the grounds can transcend into a religious experience and the tribalism that comes with the territory. We delve into this current England team and whether it's really coming home (unlikely) & try to reconcile our own socialist politics with the hypercapitalism of top tier football - a world where the clubs and players we love operate as brands and sportswash the inordinate abuse and corruption that allow it to function. /// SHOW NOTES /// /// CREDITS /// Hosts: Aarjan /// Nikita Guest: Tom Usher Production: Sarah Sahim Music: Cardio
Can you own a lake? It turns out, not really. Then again, do you really own anything? The state owns your land. The government owns your money. Even if you have cryptocurrency, its value is ultimately up to the whims of its creator and the ISPs. One notable exception is cars. If you own a car, you own the car. Stay tuned for Car Selling Secrets, where we will almost certainly not talk about cars, for more information. See omnystudio.com/listener for privacy information.
We are raiding the Audio Long Reads archives and bringing you some classic pieces from years past, with new introductions from the authors. This week, from 2016: How did a substance that falls from the air, springs from the earth and comes out of your tap become a hyperactive multibillion-dollar business? By Sophie Elmhirst. Help support our independent journalism at theguardian.com/longreadpod
141. How Berkshire Hathaway Park Its Excess Cash Liquid Assets Only
Easy Way to Lower and Create Liquid Assets for Estate Taxes -- I love comments. I make these videos specifically to help people with no expectations. Please take a second and say ‘Hi' in the comments and let me and know what you thought of the video… and p.s. It would mean the world to me if you hit the subscribe button.
Colorado water lawyer James Eklund and California water policy expert Ellen Hanak talk to Jay about the future of water -- or rather, about water futures. Water futures and securities are increasingly valuable investments. Some may feel anxiety at letting financial markets commodify such a basic human essential, but Eklund and Hanak, whose states have unique systems of water rights, say it's a legitimate resource management tool and way forward for landowners struggling to monetize their assets.
Featuring Benchmark Wine Group CEO David Parker Over the past year, so much of our... The post Episode #599 – From Cellar to Seller: Investing in Liquid Assets appeared first on .
This week we partnered with our sister podcast, Liquid Assets, to discuss how bars, restaurants, and manufacturers have survived Covid-19 thus far and how quickly they can recover (fingers crossed) once the pandemic is over. Listeners of Consumer Foods to Go will love the work done by the team at Liquid Assets. If you are interested in the latest trends in the beverage industry, you can subscribe to the show on your favorite podcast app.
This week we partnered with our sister podcast, Consumer Foods To Go, to discuss how bars, restaurants, and manufacturers have survived Covid-19 thus far and how quickly they can recover (fingers crossed) once the pandemic is over. Listeners of Liquid Assets will love the work done by the team at Consumer Foods To Go. If you are interested in trends in retail, foodservice, or packaged foods, you can subscribe to the show on your favorite podcast app.
Liquid Assets gets newsy! Instead of covering one topic this week, we help you catch up on some of the biggest news from recent weeks – accompanied by our expert commentary, of course. Later, we spend some time with Rabobank senior analyst Sudip Sinha on his playbook for capturing attention and sales from consumers stuck at home.
New York comedian Ian Fidance sits in on this episode and fits right in. We begin talking to Ian about how he's been dealing with the current economic situation, being a comedian. We talk about the expert analysis that live gatherings won't return until fall 2021. We discuss what needs to happen for shows to start up. We also discuss Ticketmaster's shady new practices. The conversation then veers more personal into "making" and "self control." We discuss Russell Crowe's fascination with Disturbed and wrap up the show discussing WWE's interesting relationship with the state of Florida. Watch the video version on Patreon. Listen to the Metal Injection Livecast on: Spotify, iTunes,Stitcher, Google Play, Tunein or this RSS feed. Join our Patreon to get a bonus episode each month, and other behind the scenes goodies. More info here. Follow us on: Facebook, Twitter and Youtube.
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So...why is Asset Liquidity and Buying Power so important to building wealth?Companion Guide: $1 Million+ Retirement Support the show at: https://www.patreon.com/riggedpodcastIn this episode financial analyst and global economist Terry Sacka AAMS gets into the distinctive differences between the various types of assets you can own. He explains the wealth strategies being used now by those who will come out on top in the next great wealth transfer.To reach a Cornerstone Wealth Advisor:email: clientsupport@cammetals.comtelephone: (888) 747-3309Support the show (https://www.patreon.com/riggedpodcast)
In this week’s podcast, Ollie describes the various side effects of his anti-depressants to George in graphic detail, and the boys discuss some listeners’ emails on the subject of therapy. Subscribe now to get new episodes of Phone A Friend every week, and don’t forget to rate and review too. Visit Mind’s website for information and support on the subject of mental health: www.mind.org.uk
Episode #166 : Under the current distribution model, labels and rights holders typically only get paid once a month by their distributor, and those payouts are often for streams and downloads that occurred well before the pay period. In an era where artists and labels are able to see nearly real-time usage data for their catalog, these delays in payment have made rapid growth difficult in some cases, and now there are companies stepping in with solutions. On this episode, we speak with Bruno Guez of Revelator and Daniel Dewar of Paperchain about their efforts to increase the liquidity of assets for rights holders by advancing payments to them based upon their catalog's performance on DSP's.
Kombrewcha, a hard kombucha company, joined the ZX Ventures portfolio in 2016. Kombucha is now a billion-dollar global industry. And while the famously tart, probiotic beverage has naturally occurring alcohol, Kombrewcha (4.4% ABV) was the first brand to take things one step further and introduce hard kombucha to the alcohol space. In this episode, Liz Tomic from ZX Ventures makes an encore performance alongside Kombrewcha CEO, Garret Bredenkamp, to explain how they work together to perfect their product, scale their business, and maintain the entrepreneurial spirit along the way. This episode also features Liquid Assets mainstays Jim Watson and Bourcard Nesin.
Bart Jackson's Podcast - Get informed, Get entertained, and seize the wisdom
Both the enjoyment and business of wine have exploded across the U.S. Every state in the Union boasts several wineries and for most, it is their fastest expanding form of agriculture. America’s consumption and its appreciative sophistication continue to hit all time highs. Host Bart Jackson sits and sips with American Wine Society director Dr. Gary Pavlis as they discuss the reasons and the trends behind this industry’s growth. Taking us out into the vineyard, Gary explains how the finest vintages are crafted in the field, what distinguishes a winery of renown, what high tech implements are boosting yields, bettering blends, and saving arduous labor. Stepping up to the tasting table, Gary lays out ways to more enjoyably savor and broaden your wine horizons. And for the would-be winepreneur, here is your opportunity to learn the optimum plan, pitfalls, and potential profits of winery launching. Tune in and see if a wine tour of Tuscany is the vacation you truly deserve.
Both the enjoyment and business of wine have exploded across the U.S. Every state in the Union boasts several wineries and for most, it is their fastest expanding form of agriculture. America's consumption and its appreciative sophistication continue to hit all time highs. Host Bart Jackson sits and sips with American Wine Society director Dr. Gary Pavlis as they discuss the reasons and the trends behind this industry's growth. Taking us out into the vineyard, Gary explains how the finest vintages are crafted in the field, what distinguishes a winery of renown, what high tech implements are boosting yields, bettering blends, and saving arduous labor. Stepping up to the tasting table, Gary lays out ways to more enjoyably savor and broaden your wine horizons. And for the would-be winepreneur, here is your opportunity to learn the optimum plan, pitfalls, and potential profits of winery launching. Tune in and see if a wine tour of Tuscany is the vacation you truly deserve.
In this episode, special guests, Sophie, Alejandro, Sammy & Carlye join Kelso while Devren is away. We discuss dating, sex ed & gun reform. Minor discussion of Us & Captain Marvel, as well as episodes 1 - 5 of Ru Paul's Drag Race Season 11. This episode was recorded March 25th 2019. GayVoice is engineered by Carlye Arden. Our theme song was created by Brian Joseph McKenna & Doma Schrank of Btoven Music. If you have any questions, suggestions or letters email gayvoicepodcast@gmail.com or follow us on all social media @GayVoicePod feel free to DM us! We love reading reviews so please leave us one, we may even read it on our next episode!
From artisanal foods to craft spirits, this episode explores the evolving business landscape for specialty food and distilled beverages. Steven Rannekleiv, the global sector strategist for beverages at global financial services firm Rabobank, has covered the alcoholic beverage industry for over a decade and in our conversation, we explored the emerging market for craft spirits, including parallels to and differences in the development of the craft beer category. Rannekleiv also discussed how the investment community is evaluating craft distilling companies and how growing consumer demand for cannabis products is affecting alcoholic beverage categories. Later in the episode, we sit down with Phil Kafarakis, who is the president of the Specialty Food Association, the industry trade group that the organizes the annual Winter and Summer Fancy Food Shows. In our discussion, Kafarakis spoke about how the term specialty food has evolved in recent years and the ingredients and formulations that are shaping the future of the industry. He discussed the role legacy food and beverage categories, like cocktail mixers and charcuterie, in the development of the space and the Specialty Food Association’s long-standing work with international food and beverage producers. Show notes: 2:16: Sitting Pretty at #WFFS19 -- On location at the 2019 Winter Fancy Food Show in San Francisco, the hosts riffed on notable exhibits, brands and products featured at the annual trade show. 9:24: Interview: Steven Rannekleiv, Global Sector Strategist - Beverages, Rabobank -- In a call with Rannekleiv spoke about the launch and mission behind Rabobank’s beverage-focused podcast, Liquid Assets. He also discussed the growing consumer demand for craft spirits and the opportunities and challenges facing small producers, explained how strategic investors are evaluating the space, why wine, not spirits, might be the alcoholic beverage category most at risk from rising consumer demand for cannabis. 32:28: Interview: Phil Kafarakis, President, Specialty Food Association -- Recorded at the 2019 Winter Fancy Food Show, Kafarakis spoke about the evolution of the Winter event, and the development of its education platform and Incubator Village exhibit. He also explained how the trade group defines “specialty food,” and why speciality products are becoming increasingly available at mainstream retailers. Brands in this episode: Chobani, Loca Food, Sonar, Siete Foods, Zola, Pulp Pantry, Cleveland Kraut, Ayoba-Yo, Bohana, Kween Foods, Tea Crush, Q Soo, 1821 Bitters, Pappy’s, Bittermilk, Freshe, Perky Jerky, Blue Bottle Coffee, Copper & Kings, Kuli Kuli
Ready-to-drink coffee has changed the way coffee companies can connect with consumers. Rather than brewing at home and waiting in line at a coffee shop, people can now buy coffee the same way they buy soda or energy drinks, unlocking enormous growth opportunities for the industry. The US RTD coffee market is worth around USD 4bn, and our analysts believe it could double in the next five to seven years. Our guests on this episode come from Rise Brewing Co., one of the fastest-growing, most innovative companies in the rapidly-evolving RTD coffee space. Co-founder Jarrett McGovern and COO Melissa Kalimov talk route-to-market, category blurring, and innovation in one of our favourite episodes to date on the Liquid Assets podcast.
Happy New Year! In the first episode of 2019, Episode 16 of The Bull Pen Podcast, The Crypto Bully steps into the Bull Pen with Sheel Patel who is the CEO of a cryptocurrency inspired energy drink. In this episode Lyndon and Sheel talk about how Bitcoin Energy came about, what makes it different from other energy drinks and how cryptocurrency is incorporated into this product and business. Lyndon also tries Bitcoin Energy for the first time live during the interview and expresses his opinion on its taste. They also discuss other blockchain and cryptocurrency topics such as the current bear market, how blockchain/crypto is affecting other industries and what they believe will be the next main focuses in the market. Show notes: https://steemit.com/dtube/@bullpenpodcast/2rzhsv15 Timestamps 00:00:00 – Preview 00:00:49 – Disclaimer 00:01:37 – Intro 00:02:24 – Interview 01:19:33 – Outro
Huawei and the trade war, ride-share companies and IPOs, and Harvard stocking up on water with Felix Salmon, Anna Szymanski, and Emily Peck. In the Slate Plus segment, Felix, Anna, and Emily discuss corporate governance for public companies (in particular at CBS). Email: slatemoney@slate.comTwitter:@felixsalmon, @Three_Guineas, @EmilyRPeck Production by Max Jacobs. Listen to Slate Money via Apple Podcasts, Overcast, Spotify, Stitcher, or Google Play. Learn more about your ad choices. Visit megaphone.fm/adchoices
Huawei and the trade war, ride-share companies and IPOs, and Harvard stocking up on water with Felix Salmon, Anna Szymanski, and Emily Peck. In the Slate Plus segment, Felix, Anna, and Emily discuss corporate governance for public companies (in particular at CBS). Email: slatemoney@slate.comTwitter:@felixsalmon, @Three_Guineas, @EmilyRPeck Production by Max Jacobs. Listen to Slate Money via Apple Podcasts, Overcast, Spotify, Stitcher, or Google Play. This episode is brought to you by the following advertisers: Slack, the collaboration hub for work. Learn more at Slack.com. Lending Club. Check your rate in minutes at lendingclub.com/money. American Express. Don’t do business without it. Learn more about your ad choices. Visit megaphone.fm/adchoices
At the Blockchain World Conference in Atlantic City, we got the change to interview Sheel Patel, the CEO and Founder of Bitcoin Energy Drink - Liquid Assets. Sheel told us his story about how he came up with the concept and how he worked with his team to perfect the marketing for this Energy Drink For All the Side‑Hustlers, Startups and Disruptors in the world. Buy Bitcoin Energy Drink : https://bitcoinenergy.com/
Welcome to episode 60 of The Bitcoin Game, I'm Rob Mitchell. I'm happy to bring to you part two of my interview with Cypherpunk and CEO of Blockstream, Dr. Adam Back. In this episode, we take a deep dive into Liquid, Blockstream's new federated sidechain. There's a lot more to Liquid than I realized, and it's fascinating to hear tons of details about the protocol. I lead us astray with some of my questions, but Dr. Back never fails to drop tons of crypto-knowledge. And if you missed the first part of my interview, give episode 59 a listen to hear a great Cypherpunk history lesson. EPISODE LINKS First half of our interview (The Bitcoin Game #59) https://letstalkbitcoin.com/blog/post/the-bitcoin-game-59-dr-adam-back Adam Back (Adam3us) on Twitter https://twitter.com/adam3us Dr. Back's Info Page http://www.cypherspace.org/adam Blockstream https://blockstream.com Lightning Network White Paper by Joseph Poon & Thaddeus Dryja https://lightning.network/lightning-network-paper.pdf Duplex Micropayment Channels by Christian Decker & Roger Wattenhofer https://www.tik.ee.ethz.ch/file/716b955c130e6c703fac336ea17b1670/duplex-micropayment-channels.pdf ETHZ (where Christian Decker earned his Bitcoin PhD) https://www.ethz.ch/de.html Rusty Russell https://en.wikipedia.org/wiki/Rusty_Russell C-Lightning https://github.com/ElementsProject/lightning Liquid https://blockstream.com/liquid Liquid Assets https://blockstream.com/2018/07/02/liquid-issued-assets Confidential Transactions https://bitcoinmagazine.com/articles/confidential-transactions-how-hiding-transaction-amounts-increases-bitcoin-privacy-1464892525 ERC-20 https://en.wikipedia.org/wiki/ERC-20 Counterparty https://counterparty.io/docs/faq-xcp UTXO https://en.wikipedia.org/wiki/Unspent_transaction_output Bulletproofs https://crypto.stanford.edu/bulletproofs https://eprint.iacr.org/2017/1066.pdf Tether https://en.wikipedia.org/wiki/Tether_(cryptocurrency) Proof of Burn https://www.coinbureau.com/education/proof-of-burn-explained Public Key vs. Public Address https://www.reddit.com/r/Bitcoin/comments/3filud/whats_the_difference_between_public_key_and Lamport Signatures https://en.wikipedia.org/wiki/Lamport_signature The Byzantine Generals Problem https://people.eecs.berkeley.edu/~luca/cs174/byzantine.pdf Schnorr Signatures https://en.wikipedia.org/wiki/Schnorr_signature ECDSA https://en.wikipedia.org/wiki/Elliptic_Curve_Digital_Signature_Algorithm Denial-of-Service Attack https://en.wikipedia.org/wiki/Denial-of-service_attack Tor https://www.torproject.org Liquid Block Explorer https://blockstream.com/2018/08/02/accelerating-liquid-adoption-liquid-block-explorer NBitcoin by Nicolas Dorier https://www.codeproject.com/Articles/768412/NBitcoin-The-most-complete-Bitcoin-port-Part-Crypt Green Address Wallet https://greenaddress.it KYC Compliance https://en.wikipedia.org/wiki/Know_your_customer Paul Sztorc talks about Sidechains, Drivechain, Liquid https://letstalkbitcoin.com/blog/post/lets-talk-bitcoin-377-sidechains-drivechains-and-the-apple-store RootStock https://en.wikipedia.org/wiki/RootStock Spark Lightning Wallet by Nadav Ivgi https://bitcoinmagazine.com/articles/spark-new-gui-lightning-wallet-bitcoin-now-available-download Lightning Splice-In, Splice Out (and more) https://medium.com/@pierre_rochard/day-2-of-the-chaincode-labs-lightning-residency-669aecab5f16 SPV Wallet https://en.bitcoinwiki.org/wiki/Simplified_Payment_Verification Neutrino Lite Bitcoin Client https://github.com/lightninglabs/neutrino/blob/master/README.md Lightning Watchtower https://www.coindesk.com/laolu-building-watchtower-fight-bitcoin-lightning-fraud/ ABCore by Lawrence Nahum (BTC full node on Android) https://play.google.com/store/apps/details?id=com.greenaddress.abcore Hardware Wallet https://en.bitcoin.it/wiki/Hardware_wallet STAY IN TOUCH Thanks so much for taking the time to listen to The Bitcoin Game! https://Twitter.com/TheBTCGame http://TheBitcoinGame.com Rob@TheBitcoinGame.com SPONSORS BTC Inc is excited to announce its upcoming conference, Distributed Health, November 5 & 6 in Nashville, TN. This is the first conference to bridge the gap between blockchain technology and the healthcare industry. Now in its third year, this two-day event is an opportunity for all members of the ecosystem, including payers, providers, law makers, retailers, investors and innovators, to reshape the future of healthcare. For more information, visit: health.distributed.com and use the promo code: BTCGAME20 to secure a 20% discount! While much of a Bitcoiner's time is spent in the world of digital assets, sometimes it's nice to own a physical representation of the virtual things you care about. For just the price of a cup of coffee or two (at Starbucks), you can own the world famous Bitcoin Keychain. As Seen On The Guardian • TechCrunch • Engadget • Ars Technica • Popular Mechanics Inforwars • Maxim • Inc. • Vice • RT • Bitcoin Magazine • VentureBeat PRI • CoinDesk • Washington Post • Forbes • Fast Company Bitcoin Keychains - BKeychain.com CREDITS All music in this episode of The Bitcoin Game was created by Rob Mitchell. The Bitcoin Game box art was created from an illustration by Rock Barcellos. Bitcoin (Segwit) tipping address: 3AYvXZseExRn3Dum8z9tFUk9jtQK6KMU4g Note: We've recently migrated our RSS feed (and primary content host) from Soundcloud to Libsyn. So if you notice the Soundcloud numbers have dropped off recently, that's the reason.
Tone worked on Wall Street for almost 10 years starting as a Risk Analyst at Bear Stearns and later becoming a VP at JP Morgan Chase, in the aftermath of the 2008 financial crisis. His expertise is in Economic Trends, Trading and Risk Analysis. Ever since getting involved in the Crypto Currency ecosystem in early 2013, he has been very active in spreading the relevance and importance of this technology as it helps promote economic freedom. Tone has been featured in several Documentaries like Magic Money & Bitcoin - Beyond the Bubble. Tone is now an independent content creator at ToneVays.com and on his YouTube Channel focused on sound economics & finance. Tone holds a Masters Degree in Financial Engineering from Florida State University along with Bachelor Degrees in Mathematics and Geology.Twitter: https://twitter.com/ToneVaysWebsite: https://tonevays.comTrading Information: http://LibertyLifeTrail.comFollow the podcast on Telegram!https://t.me/ToneVaysPodcastBotBitcoin: 3Hk9cR6p8XAAbmD2GkvSdcbznhqXvLDX4oLearn Trading: http://www.libertylifetrail.com/education/learntrading/Upcoming Seminars: https://tonevays.com/workshopsPrivate Consulting: http://www.libertylifetrail.com/consulting/Please Support via Affiliate Codes:Trading View: http://tradingview.go2cloud.org/aff_c?offer_id=2&aff_id=4905&url_id=3BitMex 10% Off: https://www.bitmex.com/register/cMvHXgTrezor/Ledger: https://www.cryptohwwallet.com/?acc=70efdf2ec9b086079795c442636b55fb&bannerid=3TorGuard VPN 50% off code & link = tone50: https://torguard.net/aff.php?aff=3782Buy The Dip Store 20% Off: http://sh1030.ositracker.com/75271/6304CryptoMatic Bitcoin Watch: Discount Code = TONEhttps://cryptomatic.io/en/1Broker: https://1broker.com/?r=14766Magic Money Film: Vimeo Discount Code = TONEhttp://www.magicmoneyfilm.com/Disclaimer: The 1Broker & BitMex affiliate links are to be used at your own risk, I mostly use them to just place trades for less than $100 and I'm ready for all my bitcoins being hacked. (best is to always hold your own keys)Tone Vays is available for consulting at the rate of 0.1 btc per hour. Please email Tone@protonmail.ch for additional info.Follow the best podcasts from the best minds in the Bitcoin and Cryptocurrency space on twitter.https://twitter.com/bitcoinpodcasts
Craft spirits are an explosive trend across the world. The craft spirits movement is just starting to emerge, but in virtually every developed economy, there are more distilleries and more craft brands than ever before. Can craft spirits follow the path of craft beer and seize a huge share of the market from mainstream distillers? On this week's episode of Liquid Assets, the team explains why craft spirits will continue to grow, but won’t to be as disruptive to large distillers as craft beer was to macro-breweries. This episode features: Stephen Rannekleiv, Global Strategist for Beverages; Maria Castroviejo, Senior Beverage Analyst; and Bourcard Nesin, Beverage Analyst.
By 2022, grocery retailers stand to lose USD 3.9bn in annual alcohol revenues if online sales continue to lag behind as the rest of grocery goes digital. In this bonus episode of Liquid Assets, the team dissects the future of beverage alcohol sales in supermarkets as consumers move their grocery spending online.
Where do you see the coffee industry in ten years? On this week’s Liquid Assets, the team tackles some difficult questions. Could bean-to-cup machines overtake pods and capsules in the next decade? Where does unbranded coffee belong in a world of branded beverages? NEWS UPDATE: Nestle and Starbucks reach a USD 7bn deal. What does this mean for the industry? This episode features: Stephen Rannekleiv, Global Strategist for Beverages; Jim Watson, Senior Beverage Analyst; and Bourcard Nesin, Beverage Analyst and special guest Ross Colbert, Global Sector Head - Beverages This episode was originally released on our new Global Beverages podcast channel Liquid Assets. Subscribe to stay up to date on all the latest developments in the Beverages industry.
Where do you see the coffee industry in ten years? On this week’s Liquid Assets, the team tackles some difficult questions. Could bean-to-cup machines overtake pods and capsules in the next decade? Where does unbranded coffee belong in a world of branded beverages? NEWS UPDATE: Nestle and Starbucks reach a USD 7bn deal. What does this mean for the industry? This episode features: Stephen Rannekleiv, Global Strategist for Beverages; Jim Watson, Senior Beverage Analyst; and Bourcard Nesin, Beverage Analyst and special guest Ross Colbert, Global Sector Head - Beverages
Marijuana legalization is spreading like wildfire across the U.S. Nine states have legalized adult-use (recreational) marijuana and Canada will likely have national recreational sales by the end of the year. On the second episode of the Liquid Assets podcast, the Rabobank Beverage team takes a look at how beverage alcohol could be affected and what they can do to prepare for a future with legal cannabis. This episode features: Stephen Rannekleiv, Global Strategist for Beverages; Jim Watson, Senior Beverage Analyst; and Bourcard Nesin, Beverage Analyst
In the inaugural episode of Liquid Assets, the Rabobank beverage team discusses why online grocery is poised to drive online alcohol sales. They also debate which brands will be winners and which brands will be losers as online grocery spreads across the country. This episode features: Jim Watson, Senior Beverage Analyst; Stephen Rannekleiv, Global Strategist for Beverages and Bourcard Nesin, Beverage Analyst
Jade Harrell with Phil Assets, Founder and President of Liquid Assets, a marketing and promotion company in St. Louis. Phil and his team are feeding families for the holidays. But he's not just giving away a bag of food to take home, he's making sure they feel at home by welcoming them to a table for dinner with friends and love.
Jade Harrell with Phil Assets, Founder and President of Liquid Assets, a marketing and promotion company in St. Louis. Phil and his team are feeding families for the holidays. But he's not just giving away a bag of food to take home, he's making sure they feel at home by welcoming them to a table for dinner with friends and love.
It's A Duck Blur: Let's Get Dangerous (A Darkwing Duck/Ducktales Podcast)
Join dynamic Australian husband and wife team, Michael and Sarah as they watch every single episode of the classic 1987 Disney series DuckTales and then talk about them for your auditory pleasure. 71. Super DuckTales: Liquid Assets We're back! And Gizmo Duck is almost here! Could things be anymore exciting?!? There's silly songs, Aussie Deep Cuts, the Pun Horn and all the stuff you love about us! We missed you guys! Maybe donate a few dollars to our Patreon account. There is great rewards like bonus podcasts, newsletters and even handmade gifts! https://www.patreon.com/itsaduckblur Come and see our website: www.itsaduckblur.com Buy our merch at: www.redbubble.com/people/itsaduckblur/shop Please rate and review 'It's A Duck Blur' on iTunes. It helps other people find the show. For more Michael, follow him on Twitter: @meandmyeasel For more Sarah, follow her on Twitter: @why_in_the_heck OR her podcasts Sperging Out and Wiki How We Do It For more Michael AND Sarah listen to 'Pop Quiz Hot Shot with Michael Williams', also available on iTunes, Stitcher and where all good podcasts are sold.
On this week’s Hanson McClain’s Money Matters: The episode begins with a question about how to determine which retirement accounts to withdraw from first. Next, we take an interesting question about working with an investment advisor. Lastly, an inquiry about investing liquid assets in retirement. Scott Hanson and Pat McClain have been hosting Hanson McClain’s Money Matters radio show for over 20 years, and have answered questions from thousands of callers on a variety of financial topics. Ask a question at moneymatters.com, or email Scott and Pat at questions@moneymatters.com.
Your Listening to the Street Smart Wealth Podcast, show 101 Sometimes new people can struggle with how to explain what network marketing is, or whether it is really a legitimate business model. On today’s show, I want to share some thoughts on how Network Marketing stacks up to Real Estate and Franchising and give you some language you can use that just plain makes sense. Welcome to the show! I’m doing a special series of webinars this week, Mindshift to Millions, how to get UNSTUCK in Your Direct Sales Business. Get registered - http://JackieUlmer.com/mindshift Even if you can’t make it, you need to be registered to get the replay link! We’ll cover some ideas on how to explain network marketing and even address the pyramid issue. IF you want even more coaching and insights on how to become a true Network Marketing professional, earning that gangster income, consider joining my coaching community! We cover everything A-Z on Network Marketing and A-Z on Social Media, and how to set up an online marketing system so YOU become the hunted and not the hunter! In other words, people come to YOU, pre-sold on network marketing and pre-sold on a business. Learn more - JackieUlmer.com/coach Franchises, Real Estate and Network Marketing similarities I have had a lot of team partners ask me - how do I explain what we do? What network marketing IS? Good question because sometimes people really don’t get it, or they’ve had a negative experience or heard someone mention - pyramid. I’ll share more about pyramids in a minute. When my husband and I were researching ways to diversity our income, outside of the airline industry and something I could do while still being a full tine mom, we seriously considered franchising . It sure look like an option that might provide what we were looking for in terms of securing our retirement and finances. Since I was extremely skeptical about Network Marketing, and still came into it somewhat kicking and screaming, we were not even SORT OF open to looking at it as a serious option or career profession. Keep this in mind when someone tells you no! People DO change! As part of our research, we toured the country and visited 3 different franchise headquarters. A few things were always a deterrent to actually jumping in – 1. Start Up costs - it takes a LOT of money, and they are very upfront about the amount of time before you see a return on investment 2. Additional money needed to sustain while in growth mode 3. Time requirement, given that we had not yet started a family As time went by, and we started our family, we became educated and open to the idea of Network Marketing and jumped in with both feet, never looking back! Now, it’s been over 20 years since we’ve had a successful network marketing business and I am so grateful for what I have learned and the income I have made. And, I do like the share the comparison of Network Marketing and franchising. Both have a parent company that provides support, training and essentially a “licensing right” to use their name. With both, it offers a turn key system and if you will just FOLLOW the system, you can’t fail. Even with network marketing. Whenever I am talking to someone interested in my business and they tell me how they have “tried” other network marketing businesses without success, I ask deeper questions, and most specifically want to get to exactly what action steps they have taken. Usually, they have talked to less than 6 people before they quit and yet I hear “Everyone I talked to was not interested. “ Here is what I know - the first 6 people I talked to weren’t interested either. I just kept going. I’m not going to hang the hat of my success on just 6 other people, who have things going on in their lives and between their ears that make them not right for my business! This alone is one of the most powerful things about network marketing and Robert Kiyosaki outlines it in his book - The Business For People Who Like Helping People - in the show notes. He says - Network Marketing is a great business model to teach people the business skills they need to be successful. We recently stopped in a coffee shop in Orange County and I noticed a brochure promoting the franchising opportunity associated with the store so I picked it up. As we read over it, we had to laugh at what was required, vs what has been required of us to build a network marketing business to a level that essentially offers much more in terms of both income and free time. Here is what the brochure listed, with my network marketing comparisons listed in parenthesis – Own Your Own Franchise – Single or Multiple Stores (wow, I have thousands of “stores” with my networking business) Proven Business System (same with Network Marketing) High Repeat Customer Base (we have thousands of repeat customers monthly) Fun & Friendly Environment (What is more fun than working in my yoga pants at home) Established Company (Established and getting better) Extensive Training (Can’t beat the training and support) We Help You Get Started Site Selection (No comparison, I can work from home, THEIR coffee shop or anywhere in the world. I’ve made calls from the beach!) Lease Negotiations (Well, you may have to get creative for space but you don’t need much!) Store Layout and Design (NON issue) Inventory and Equipment Procurement (stop with the big words…we have online ordering) Customer Service Training (Simple ask - how is that product working for you, my friend?) Marketing and Advertising (We have complete training on that and enjoy teaching others this powerful skill) Ongoing Support (Provided by the company - BAM!!!) Ownership Qualifications (Dude, we own it and we take full responsibility for our success or failure!) Minimum Net Worth of $400k (Have a credit card with room on it, you are qualified!) Liquid Assets of at least $125k ( we want to help you ACHIEVE this!) Strong management, social skills (these will help, and can be learned!) Estimated Initial Investment – ranges from $241,500 to $440,000. Whoa! For less than $1000, in most cases , you can be in profit immediately! Read on… Even more staggering are these numbers - It’s $36,000 just for the franchise fee, and you are locked into a 10 year agreement with the company. And, the reserve the right to terminate the agreement at any time for non compliance. Okay, so what would you rather do? Invest $1000 or so initially along with some ongoing advertising and misc dollars and be in profit VERY quickly, or invest anywhere from 1/4 to 1/2 million dollars and not be in profit for a few years and be Now, let’s talk about Real Estate and Network Marketing and the two relate. You can use this as an answer to the pyramid issue, or as a way to share how we get paid in Network Marketing. Have you ever bought or sold real estate, or know anyone who has? Would you describe that as a pyramid, since the broker earns a commission off every sale made by the agents "under" him/her? Actually, I would call that pretty smart leverage, wouldn't you? Our profession is VERY much like Real Estate, really. A real estate agent pays to go to school, pays to set up his/her office and pays all of their own expenses to launch a business. It is a commission based business, and there are NO income guarantees. It's all based on hustle. Your own hustle that is! In our profession, it costs a lot less to get started, and there is actually more income potential through the team building leverage! If you are using this in response to the pyramid question, be sure to ask first - what do you mean by pyramid? (Never assume, because sometimes it's just a way of describing how it's built, nothing more.) If they DO mean something negative, just compare to real estate agents and brokers, the costs to start a real estate business and how the pay flows. ACTION STEPS Develop some simple language using these concepts so it flows easily off your tongue when the need arises. Use this as an opening question - have you ever thought about going into real estate or buying a franchise? I’ve found something that pays as well or better, and costs a WHOLE lot less with no risk, would you like to hear more? iTunes reviews shout out! Brent Hammon - finally a practical approach. I don’t typically give reviews but I absolutely had to here. Jackie has an incredible, down to earth and realistic style that was worth my while. Listening to one hour of her podcast was more helpful than attending some all day seminars. She tells it like it is and offers a pragmatic, step by step approach which has helped me in my success. Don’t miss out! Go to JackieUlmer.com/itunes to leave your review and be entered into a drawing for a free month of coaching Announcements I’m doing a special series of webinars this week, Mindshift to Millions, how to get UNSTUCK in Your Direct Sales Business. Get registered - http://JackieUlmer.com/mindshift Show notes http://JackieUlmer.com/101 I really do want to hear from you. This world and business needs more connection! Do you have a question or comment for me? Feedback for the show? Tweet me - @jackieulmer let me know what's on your mind. I'll respond! and if you have a question for the show, add the hashtag #JackieUlmer or, ask them at JackieUlmer.com/question and include a link to your blog for a link back! Has this been helpful? I would REALLY appreciate it if you would rate the podcast on iTunes or Stitcher, or wherever you listen. Just go to JackieUlmer.com/iTunes - click to view in iTunes and you’ll see the link to reviews And, share the link with friends and team partners! On Stitcher - JackieUlmer.com/stitcher Until next time - remember this - Hesitation Never Cashed a Check! Good luck in your business!
As water companies submit their spending plans for the next five years, Lesley Curwen investigates what happens to the money once the household water bill has been paid. Half of England's water companies are now in the ownership of global investment funds. In many cases these corporate bodies are run and financed from abroad behind closed doors. They use a web of companies some in off-shore tax havens to provide a steady flow of dividends to their shareholders. But is their mechanism for generating shareholder income at the expense of the customers who are looking for lower bills and sustained investment in their water supply? Producer: Ian Muir-Cochrane.
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