Podcasts about mbna

Jordan Howell and Bill Martin join Rob in the bunker to talk about some of the more insidious crackdowns happening at the local level, most notably the trial of a pro-Palestine activist for "assaulting" the police. Then, they talk more about BPG and MBNA and some of their effects on Wilmington.Show Notes:He Was a CrookClearing the good name of Gavin Coco

Curious about how to build a fintech business that champions financial inclusivity? Join us for a captivating conversation with Pat Napoli from Appressa, where we explore his remarkable journey from New Jersey to making waves in the payments industry. Pat shares how Appressa supports consumers who've been declined by prime banks, helping them secure credit cards through near prime and subprime banks. Discover how Appressa's innovative technology, paired with their strategic partnership with Prove, works to rehabilitate credit scores for millions of Americans, making a significant impact on the issue of credit card declines.Get inspired by Pat's deep commitment to community service and his passion for inner-city education, exemplified by his involvement with St. Benedict's Prep in Newark, NJ. Together with his partner, Chris Mettler, Pat draws on experiences from MBNA and other renowned financial institutions to create a tech-driven solution for those with non-prime credit scores. As we wrap up, Pat offers invaluable advice for aspiring fintech professionals, underscoring the growing importance of data science in the rapidly evolving payments landscape. Don't miss this insightful episode, packed with trends, strategies, and personal stories.

Key Moments: The emotional temperature for change in analytics (5:06)There's no playbook for change management (7:53) Why Generative AI success requires a melding of expertise (17:20) Measuring the success of LLMs (18:58) How do you embrace the new when you're facing technical debt? (33:27)How to fine-tune your career in today's data and AI landscape (37:30) Key Quotes: “Business intelligence tends to have this notion of looking backwards. It's not thinking about prescriptive or predictive analytics, or live analytics, powered by the new capabilities that we're seeing. I do think we're going to evolve to a new name.” (03:42) “You'll find companies that were and are ahead of the curve will be able to take advantage of these new technologies, GenAI, LLMs, et cetera, much more quickly than other companies. So companies that have not invested the time, resources, money, attention, and prioritization into data governance, data use, and data literacy are at a serious disadvantage. And companies that have done the opposite, that have proactively invested, will be able to make significant gains.”“I think there's three pillars of success. One is understanding your data from end to end. What is it used for? What domain is it in? Understand it as much as possible. What is the product? What is the data product that you have in all aspects of it? Then, understand your business, right? How does data relate to your business? These people are going to be the ones that leverage the technology the most efficiently.”“Don't hesitate to take a lateral mobility move. I know people are always interested in going up, up, up, up, and up. However, you know, sometimes consider going sideways.” (40:46) Mentions: Jamie Dimon Annual Shareholder Letter Data Literacy Data Storytelling Unfrosted Film Hacks TV ShowAbraham Lincoln Bio: Scott Stevens is responsible for Intelligent Solutions, which empowers JPMorgan Chase employees through innovative data, Business Intelligence and low-code capabilities.Scott has been with JPMorgan Chase since 2011 and has worked in Financial Services his entire 32-year career, with prior roles at MBNA, Bank of America and Sallie Mae. Scott has been in data and analytics roles since 1997.Scott enjoys working with local universities on modernizing data science curriculum, guest lectures and coaching student teams on analytics projects.  While at work, Scott enjoys mentoring and likes to help people advance their careers and skills.  Scott serves on multiple non-profit boards, and Scott is the executive sponsor for the JPMorgan Chase Delaware Volunteer Leadership Group.Scott lives in Delaware with his family. Scott's personal interests include travel, wine-making, photography and rooting for the Philadelphia Eagles. Hear more from Cindi Howson here. Sponsored by ThoughtSpot.

Michael is CX* thought leader and creator of the CX Excellence Framework used by organisations around the world.  Michael spent over a decade in the USA working with GE Health on their world-wide Patient Experience programme. He also worked with USA brands such as Harley Davidson, IBM, Microsoft, MBNA, Citibank, FAO Schwartz, American Airlines, Dell, HP and Miller beer. Michael returned to Ireland in 1994 and set up the Dialogue Marketing agency creating award winning campaigns for organisations across many sectors and B2B/B2C Markets. Michael is passionate about CX and in 2014 launched The CX Company, a CX consultancy and Employee Experience (EX) communications and embedding group.   Michael spends much of his time educating organisations about the benefits of CX and founded The CX Academy in 2019 to provide certified online CX learning. The CX Certificate, Diploma and Essential courses are recognised as the global standard for CX certification and today operate in 90+ countries. He speaks and writes passionately about the CX discipline. He has spoken at conferences around the world and shares best practice insights on CX/EX* Excellence delivery helping companies to have greater success with their projects.

In this episode of Time For a Reset: The Marketing Podcast with Global Leaders, Paul Frampton - Global President at CvE Consultancy,  sits down with Nic Travis, Head of Digital Marketing at Lloyds Banking Group. You can also get an excellent overview of the main highlights and discussion points by reading our blog piece of the episode.Join them as they discuss:Nic's marketing reset wish: A focus on measurementBuilding a robust measurement frameworkNic's secret sauce for scaling and motivating online teamsThe intersection of brand and performance marketingThe evolving role of CMOsDriving personal growth with an endless loop of adaptability and staying curiousNic brings 20 years of experience across a broad spectrum of e-commerce areas, including marketing, data privacy, web design/development, UX, CRO, and analytics. He has a proven track record of delivering growth and works as Head of Digital Marketing at Lloyds Banking Group, the UK's largest retail bank.His role includes managing an agency and client hybrid team and supporting the effective delivery of a substantial marketing budget. Nic is tasked with delivering a cross-channel, multi-year digital marketing transformation covering Measurement, Adtech, Martech, Data Consent / Privacy, and Channel Optimisation. His previous roles include Head of Digital at MBNA and User Experience Manager at Claire's Accessories.The full transcript is available here. Support the show

The acorn never falls far from the tree, including politicians ambitions. I'm not an advocate, a benefactor, or a propagandist for a Republican or Democrat. Pealing away the various layers of the political onion reveals a corrupt center. It's said, the sins of the father shouldn't be visited on the child. Conversely, maybe the sins of the child shouldn't reflect on the father. Hunter Biden at 26 was appointed as an executive to the MBNA bank, the largest private employer in the state of Delaware, while his father received a $200,000 campaign contribution from the MBNA bank. MUSIC Hall & Oates, Dave Von Runk, M.C. Hammer, Bruno Mars

Meet Steve Sims, founder, and CEO of Bluefish, a luxury concierge service that provides once-in-a-lifetime experiences for its ultra-exclusive clientele.Steve has worked with some of the world's most influential people, including Sir Richard Branson, Elton John, Elon Musk, and many more..The Real Life Wizard of Oz who has left a mark with his best-selling book, Bluefishing: The Art Of Making Things Happen, and awe-inspiring speeches at Fortune 500 companies, The Pentagon, and Harvard- twice!He has done stupidly unimaginable things like sending people to the Titanic and getting people married by the Pope, and organizing a private dinner for 6 at the feet of Michelangelo's David while being Serenaded by Andrea Bocelli.He has been featured in over 30 TV shows, and over 60 major publications.Steve founded Bluefish in 1996. In 2003, Bluefish partnered with MBNA to launch its own credit card. In 2004, Bluefish was named the official concierge of L.A. and New York Fashion Weeks. Bluefish Concierge was the official concierge of the Kentucky Derby from 2005 to 2007.I am beyond grateful for the support of this incredible game changer, a globally acclaimed entrepreneur! Support the showFollow me on Facebook ⬇️https://www.facebook.com/manuj.aggarwal❤️ ID - Manuj Aggarwal■ LinkedIn: https://www.linkedin.com/in/manujaggarwal/ ■ Facebook: https://www.facebook.com/realmanuj■ Instagram: ...

According to Curtis Preston, Chief Technical Evangelist at Druva, cyberattacks are not a matter of "if," but "when." In this episode, Tom Fox. and Curtis dive into the importance of backup systems and cyber resilience to protect against ransomware and other types of cyberattacks. Curtis shares his insights on how to limit the blast radius of an attack, why you should assume a breach, and the need to have a playbook and a cyber response team in place. They also discuss the role of state-sponsored attacks in non-kinetic warfare and the need for increased cyber resilience as we approach 2030. W. Curtis Preston has 30 years of experience in the backup and data protection industry. He started his career at MBNA, the second-largest credit card company in 1993, and has been specializing in backup servers ever since. He is currently the Chief Technical Evangelist at Druva, where he talks, writes, and hosts podcasts about data protection systems. Curtis is also known as ‘Mr. Backup', a moniker that he adopted while writing his first book on backups. You'll hear Tom and Curtis discuss: SaaS-based data protection systems are becoming increasingly important as more companies rely on SaaS infrastructures like Microsoft 365 and Google Workspace. Companies should not count on these providers to protect their data; they should consider using SaaS-based backup systems instead. Curtis tells Tom, “There should be security interest, as well as technical and storage and network interest. All of those interests should be reflected in the implementation of such an important system as a data protection system.” Ransomware attackers are now targeting backup systems directly, making it crucial for companies to modernize the security infrastructure of their backup systems. They can do this by using SaaS-based systems that come with modern security features such as multi-factor authentication, triggers and alerts, and the concept of least privilege. The inefficiencies and difficulties of a typical on-premises backup infrastructure, such as overbuilding and overengineering, can be solved by using a SaaS-based system where companies only pay for what they are actually using. Fire drills, or ransomware drills, can help companies develop “muscle memory” and test their incident response playbook before an actual attack occurs. Role-based administration is important to limit the blast radius in case an administrator's account is compromised. Each person involved in the backup process should have specific roles and responsibilities. State-sponsored attacks on American businesses, especially from Russia, are increasing. It's important to beef up defenses, assume breaches, and have a playbook ready to respond to ransomware attacks. By 2030, cyber resilience and protection topics will increase as people become more aware of cyberattacks. Passwords will be a thing of the past, and people will have to live in a world of constant cyberattacks. KEY QUOTES: "Today, I think the average user is so used to equipment that just works, they don't really think as much about backup and recovery, I think, as we did back in the day." - Curtis Preston "By the way, I do think by 2030, passwords will be a thing of the past." - Curtis Preston "It's also having a robust backup plan in place with sufficient security protocols and that when you are attacked, not if when you are attacked, they can't take your star player out, and if it all does go down, you have a way to at least build back." - Curtis Preston Resources: Curtis Preston on LinkedIn | Twitter Backup Central | Druva

Episode 13 - Joe started his career in credit cards at MBNA where he launched the NFL Visa card. He was the VP of Marketing for the New York Yankees, worked on David Bowie's business and then became New York City's first ever CMO in 2003. He's gone on to found a digital ad agency and most recently a creator marketing technology platform called PROPS, where he serves as the CEO Learn more about your ad choices. Visit megaphone.fm/adchoices See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Today (Jan 23) marks 30 years to the day that W. Curtis Preston joined the backup industry. Fresh out of the US Navy and wanting to make a name for himself, he joined MBNA, a 35-billion dollar credit card company as "the backup guy." Within seven years he would write the industry's first book dedicated to backup, and since that time, he's gone on to be the world's leading expert in backup and recovery. What were backups like in 1993? How have things changed over the years? And how did he apapt to all of those changes? Prasanna takes the lead as host for this episode, asking Curtis a number of very insightful questions. Be sure to join us for this very special episode.

Thanks for listening. I start the podcast off with a book update, and another book idea that has popped up. Next, I discuss how Brian Moynihan, CEO of Bank of America, has a lot of buzz that he may be the next Treasury Sec. if Janet Yellen leaves. Charles Gasparino with the scoop tweet on 12-9. I discuss how mind blowing that is, how of course Joe Biden's former nickname "Senator from MBNA" comes into play, an why I think he wouldn't leave BofA for it, simply because of pay reasons, and I use Howard Stern as my example of why I feel that way. Fox Business Article about Moynihan potentially being Treasury Sec Plus, I talk about a Brian Moynihan appearance on Neil Cavuto's show where he mentions how Bank of America isn't "for" cryptocurrencies, despite us knowing BofA has 200-300 blockchain patents. I discuss how he alludes to the current paying system and how it is great, and why they small percentage interchange fees that banks get from debit/credit card make it unlikely for a major bank to embrace crypto so deeply. I also talk about my crappy work experience having to rat out pimply faced teens for dabbling in crypto while at BofA. NB Has recovered over $3.7 Million from big banks back to consumers, with nearly $700k of it being Zelle fraud! 29,000+ Followers on TikTok, Twitter and Instagram Buy My Book "High-Risk Transaction" Find all my social media and other links at: TheNotoriousBanker.com (Links to YouTube, my book's page, podcast links, and how to contribute by Venmo/Cashapp and much more!!!) MY PATREON Page! For as little as $1, you can help James in his fight against big banks. http://patreon.com/NotoriousBanker --- Support this podcast: https://anchor.fm/thenotoriousbanker/support

Sakhib Waseem is Chief Technology Officer and Chief Innovation Officer of Astra Protocol as well as a board member and Chief Innovation Officer for the technology group Proof of Trust and is an active thought leader in the blockchain sector. Throughout his career, he worked with a number of top-tier financial institutions leading technology-driven projects from inception including; Bank of America, MBNA, and National Australia Group. Sakhib has also played a leading role in the development of specialist technology and reporting analysis for the Financial Conduct Authority and the Central Bank of Ireland, leading high-impact projects for automated reporting tools. His accomplishments have been recognized by way of several awards in the financial services industry.In this conversation, we discuss:- Crypto in Dubai- Blackrock and CoinBase partnership- How to get your parents in crypto- Transparent regulation- KYC, KYB, AML- DLN - Decentralized Legal Network- Decentralized compliance layers- Partnerships with Limechain and Concise Software- Bridging the gap between regulators and innovation- Equipping all DeFi with a decentralized compliance layerAstra ProtocolWebsite: astraprotocol.com Twitter: @AstraProtocolTelegram: @Astra_ProtocolSakhib WaseemTwitter: @SakhibWaseemLinkedIn: Sakhib Waseem ---------------------------------------------------------------------------------  This episode is brought to you by PrimeXBT.  PrimeXBT offers a robust trading system for both beginners and professional traders that demand highly reliable market data and performance. Traders of all experience levels can easily design and customize layouts and widgets to best fit their trading style. PrimeXBT is always offering innovative products and professional trading conditions to all customers.  PrimeXBT is running an exclusive promotion for listeners of the podcast. After making your first deposit, 50% of that first deposit will be credited to your account as a bonus that can be used as additional collateral to open positions.  Code: CRYPTONEWS50  This promotion is available for a month after activation. Click the link below:  PrimeXBT x CRYPTONEWS50

Keagan Russo, is Fleetcor's President for North America Local, a company that provides fuel cards and workforce payment products and services. More about our guest:Keagan leads the North America Local Fleet Card line of business, which has ~50,000 businesses under the Fuelman and Comdata Mastercard brands. He joined FLEETCOR in 2019. Before his current role, Keagan lead go-to-market strategy and product for the Local business. Prior to FLEETCOR, he was a strategy and marketing leader at various fintech startups, a management consultant at McKinsey & Company, and started his career at MBNA Corp. He received his JD from Boston College Law School and his BA from Colby College.------------------------------------------------Episode Guide:1:38 - What is Innovation? 2:15 - Understanding: Shallowly and Deeply 4:37 - "Innovation equals speed to market" 5:29 - Creativity in innovation: a solution standpoint 6:15 - Fleetcor's Case Study 7:05 - CarAdvise Partnership 9:40 - Personal problem solving toolkit 13:19 - Implementation: the engineering aspect 14:23 - Chief Innovation Officer 15:55 - Pilot Launch: Electric Vehicle Fleet Payment Solution 17:00 - Internal Innovation and Entrepreneurial Innovation 18:07 - MBNA's FLC23:02 - What isn't Innovation? 25:34 - Advice to Innovators-------------------------Resources Mentioned: Companies: FleetCorMBNA ('acquired and integrated into Bank of America Corporation') CarAdvise--------------------------OUTLAST Consulting offers professional development and strategic advisory services in the areas of innovation and diversity management.

In this episode, the history of Hunter Biden, appointed senior MBNA vice president (two years out of law school), to a gift of a 2.8 carat diamond from a Chinese energy tycoon, to Burisma Holdings.... these are just the beginnings.

40% of Americans have resolved to build up their savings in 2022. How what with the Pandemic and inflation soaring what's the secret. Erin McCullen, Head of Deposit Products for the BOA, shares how and why America Saves Week can help you.About Erin McCullen Bank of America Head of Deposit Products. Prior to this role, McCullen has held a number of leadership positions in Credit, Operations, Fraud, Risk, Marketing, and Deposits at both MBNA, America, and Bank of America. Erin McCullen is the Head of Deposit Products at Bank of America, leading a team that delivers everyday banking and savings solutions to more than 45MM clients.  In this role, she directs the company's efforts in providing a full range of consumer deposit products and services including checking, savings, and money market accounts as well as CDs and IRAs. McCullen is responsible for a $980B deposit portfolio, one of the largest in the world, that delivers more than $20B in revenue to the company overall.  Under her leadership, the product team has delivered a number of solutions to help clients better manage their financial lives, resulting in continuous portfolio growth of 2% each year.  Her team developed and delivered SafeBalance Banking, one of the first checking accounts in the industry that has no overdraft fees.  Since then, SafeBalance has received a number of accolades and awards, including national certification from the Cities for Financial Empowerment/BankOn, for having features and benefits that provide individuals safe and affordable access to financial services. Additionally, SafeBalance was the catalyst for Money Magazine naming Bank of America the ‘Best Bank for College Students' in 2019.   In 2020, the Deposits Products team also launched Balance Assist, a revolutionary short-term loan that provides an affordable way for clients to manage their immediate liquidity needs.  Since its release, Balance Assist has proven to be another tool that helps clients bank confidently and better manage their finances.  McCullen is originally from Chicago, IL, and Baltimore, MD.  She is a graduate of Roanoke College in Salem, Va., where she played collegiate level volleyball and lacrosse.  With her leadership and passion for helping others, McCullen serves as the chair of the Disability Action Network which works to foster an inclusive environment that accepts, values, respects and supports individuals impacted by disabilities.  She is also a volunteer within the public school system.  Currently, McCullen resides in Charlotte, NC, with her husband and three sons.

40% of Americans have resolved to build up their savings in 2022. How what with the Pandemic and inflation soaring what's the secret. Erin McCullen, Head of Deposit Products for the BOA, shares how and why America Saves Week can help you.About Erin McCullen Bank of America Head of Deposit Products. Prior to this role, McCullen has held a number of leadership positions in Credit, Operations, Fraud, Risk, Marketing, and Deposits at both MBNA, America, and Bank of America. Erin McCullen is the Head of Deposit Products at Bank of America, leading a team that delivers everyday banking and savings solutions to more than 45MM clients.  In this role, she directs the company's efforts in providing a full range of consumer deposit products and services including checking, savings, and money market accounts as well as CDs and IRAs. McCullen is responsible for a $980B deposit portfolio, one of the largest in the world, that delivers more than $20B in revenue to the company overall.  Under her leadership, the product team has delivered a number of solutions to help clients better manage their financial lives, resulting in continuous portfolio growth of 2% each year.  Her team developed and delivered SafeBalance Banking, one of the first checking accounts in the industry that has no overdraft fees.  Since then, SafeBalance has received a number of accolades and awards, including national certification from the Cities for Financial Empowerment/BankOn, for having features and benefits that provide individuals safe and affordable access to financial services. Additionally, SafeBalance was the catalyst for Money Magazine naming Bank of America the ‘Best Bank for College Students' in 2019.   In 2020, the Deposits Products team also launched Balance Assist, a revolutionary short-term loan that provides an affordable way for clients to manage their immediate liquidity needs.  Since its release, Balance Assist has proven to be another tool that helps clients bank confidently and better manage their finances.  McCullen is originally from Chicago, IL, and Baltimore, MD.  She is a graduate of Roanoke College in Salem, Va., where she played collegiate level volleyball and lacrosse.  With her leadership and passion for helping others, McCullen serves as the chair of the Disability Action Network which works to foster an inclusive environment that accepts, values, respects and supports individuals impacted by disabilities.  She is also a volunteer within the public school system.  Currently, McCullen resides in Charlotte, NC, with her husband and three sons.

Khary DeWitt, President of Mountaineer Logistics, speaks with Troy Mix, Associate Director of the University of Delaware's Institute for Public Administration (IPA), about his company's entry into the logistics sector. Topics covered in this February 24, 2022 interview include Mountaineer Logistics' mission and lines of business; the dynamics of operating a logistics company during the COVID-19 pandemic; and future plans for the company and its role in the community. Khary launched Mountaineer Logistics after a career in finance and banking that included working in multiple managerial and leadership roles for JP Morgan Chase and MBNA. Mountaineer Logistics is a purpose-driven company that provides courier, distribution, and freight management services. Based in Delaware, the Mountaineer Logistics team aspires to improve the quality of lives in the communities that they work and live in by providing world-class delivery services in socially and environmentally responsible ways. To track the efforts of Khary and the Mountaineer Logistics team, browse to https://mountaineerlogistics.com/. This episode is a special #FreightFriday edition of First State Insights made possible by the Delmarva Freight Working Group—an ongoing transportation planning and economic development partnership coordinated by IPA, the Delaware Department of Transportation, and Delaware's three Metropolitan Planning Organizations: the Dover/Kent County MPO, the Salisbury/Wicomico MPO, and WILMAPCO. To learn more about the Delmarva Freight Working Group, visit wilmapco.org/Delmarva. Visit ipa.udel.edu for information on IPA. Opening and closing music: "I Dunno" by Grapes, used under Creative Commons 3.0 License

Barry Baird is the Head of Payments Capability and Delivery at TD Bank.  Prior to TD he had a variety of executive role focused primarily on product and customer experience at PayPal, Bank of America and MBNA.  He is married (wife Karen) with 4 children (Delaney-23, Dawson-21, Matthew-17, Aaron-14) and resides in Kennett Square, PA.  In his free time he enjoys classic cars, tennis, and cycling.If you would like to have your own intentional conversation with Joe, either on or off the air, visit https://www.joebukartek.com/contactCheck out more episodes at intentionallyeverafter.comPost production/editing services by Jupiter ProductionsJoe Bukartek empowers people to live intentionally. As host of the podcast, Intentionally Ever After [www.IntentionallyEverAfter.com], Joe is an ultramarathon runner and pickleball enthusiast, living at the beach with his family as part of his own curated intentional lifestyle. As a board certified Intentional Lifestyle Coach, Joe helps individuals to have lives and careers that are wildly more fulfilling. Ready to curate a life of intention? Connect with Joe on his website [www.joebukartek.com] or LinkedIn [https://www.linkedin.com/in/joebukartek/.] Joe also helps emerging adults build lifelong success beyond the nest in his specialized program, Intention to Launch. This results-driven partnership guides participants as they prepare to leave home and discover their ideal lives. Ready to launch? Check out [www.IntentionToLaunch.com] If you would like to have your own intentional conversation with Joe, either on or off the air, visit https://www.joebukartek.com/contactCheck out more episodes at intentionallyeverafter.com

About the Series  Charter: A Course is a podcast created by the David Asper Centre for Constitutional Rights (the Asper Centre)  and hosted by the Asper Centre's Executive Director Cheryl Milne.  Charter: A Course focuses on Canadian constitutional law and litigation. In each episode, we highlight the  accomplishments of U of T Law's faculty and alumni involved in leading constitutional cases and issues. Each  episode also includes a “Practice Corner,” where we talk about the ins and outs of what it means to be a  constitutional litigator.   Whether you are a law student, a lawyer, or just an interested person, we hope that you learn about an aspect  of constitutional law and litigation that interests you in our podcast.  Episode 6 Show Notes  Section 15 of the Canadian Charter of Rights and Freedoms states that every individual is equal before and under the law and has the right to the equal protection and equal benefit of the  law without discrimination based on race, national or ethnic origin, color, religion, sex, age or mental or physical  disability.  With the help of our distinguished guests, constitutional litigators Mary Eberts and Jonathan Rudin (author of Indigenous People and the Criminal Justice System: A Practitioner's Handbook) we trace the history of Section 15 and its development in Supreme Court of Canada jurisprudence, as well as its use in furthering the efforts to realize substantive equality for Indigenous peoples in Canada, in particular in the criminal justice system.   Mary and Jonathan also share their thoughts about the value of interveners in Charter litigation in Canada.   Find a full transcript of this episode HERE.  Case Links  In this episode, the following cases were discussed:  Fraser v. Canada (Attorney General), 2020 SCC 28 (CanLII)  Attorney General of Canada v. Lavell, 1973 CanLII 175 (SCC), [1974] SCR 1349  The Queen v. Drybones, 1969 CanLII 1 (SCC), [1970] SCR 282  Corbiere v. Canada (Minister of Indian and Northern Affairs), 1999 CanLII 687 (SCC), [1999] 2 SCR 203 Lovelace v. Ontario, 2000 SCC 37 (CanLII), [2000] 1 SCR 950 R. v. Kapp, 2008 SCC 41 (CanLII), [2008] 2 SCR 483 Law v. Canada (Minister of Employment and Immigration), 1999 CanLII 675 (SCC), [1999] 1 SCR 497 Alberta (Aboriginal Affairs and Northern Development) v. Cunningham, 2011 SCC 37 (CanLII), [2011] 2 SCR 670 Kahkewistahaw First Nation v. Taypotat, 2015 SCC 30 (CanLII), [2015] 2 SCR 548 R. v. Gladue, 1999 CanLII 679 (SCC), [1999] 1 SCR 68 R. v. Ipeelee, 2012 SCC 13 (CanLII), [2012] 1 SCR 433 R. v. Sharma, 2020 ONCA 478 (CanLII) About the Asper Centre  The Asper Centre, a part of the University of Toronto's Faculty of Law since 2008, is devoted to realizing  constitutional rights through advocacy, research and education. The Centre aims to play a vital role in  articulating Canada's constitutional vision to the broader world. The cornerstone of the Centre is a legal clinic  that brings together students, faculty and members of the bar to work on significant constitutional cases and  advocacy initiatives. The Centre was established through a generous gift from U of T law alumnus David  Asper (LLM '07).  Thank You's  Charter: A Course is proudly sponsored by the University of Toronto's affinity partners: MBNA and TD Insurance. We would like to thank each of our sponsors, and you can discover the benefits of affinity products at  bit.ly/affinity-offers.   We would like to thank the creators of our theme music for Charter: A Course. Constitutional law  professor Howie Kislowicz and law professor Rob Currie gave us the licence to use their constitutional law shanty  in exchange for a donation to the Calgary Food Bank. The song's performers are: Vanessa Carroll, Rob Currie,  Howie Kislowicz, Avinash Kowshik, Anna Lund, Patricia Paradis, Elin Sigurdson, Lyle Skinner, and Dave Wright.  You can listen to the entire shanty here: Charter a Course. Please consider contributing to your local food bank!  Thank you to Flint Patterson, JD student at the University of Toronto Faculty of Law, for his contributions to the production of this episode.  Thank you to our wonderful guests on this episode, Mary Eberts and Jonathan Rudin! Thank you to our audio editor Liam Morrison of Bell Room Media Solutions.  Lastly, we are very grateful to you, our listeners, for taking the time to join us on this voyage as we  charter a course into podcasting!

About the Series  Charter: A Course is a podcast created by the David Asper Centre for Constitutional Rights (the Asper Centre) and hosted by the Asper Centre's Executive Director Cheryl Milne.  Charter: A Course focuses on Canadian constitutional law and litigation. In each episode, we highlight the accomplishments of U of T Law's faculty and alumni involved in leading constitutional cases and issues. Each episode also includes a “Practice Corner,” where we talk about the ins and outs of what it means to be a constitutional litigator.   Whether you are a law student, a lawyer, or just an interested person, we hope that you learn about an aspect of constitutional law and litigation that interests you in our podcast. Episode 5 Show Notes  Section 7 of the Canadian Charter of Rights and Freedoms guarantees that every person has the right to life, liberty, and security of the person, except in accordance with the principles of fundamental justice.  This episode focuses on s. 7 of the Charter, climate change litigation and constitutional remedies in these cases.   In this episode, we speak with lawyer and former Constitutional Litigator-in-Residence at the Asper Centre, Nader Hasan about the meaning and purpose of section 7 in the context of climate change and government action/inaction, and as it relates to protecting the environment for future generations. Nader is legal counsel for the applicants in the Mathur v Ontario climate change litigation (see case link below), which he discusses in this episode. In this episode's “Practice Corner”(starting at 38:30), we speak with University of Toronto Faculty of Law Professor Kent Roach about constitutional remedies as a core aspect of charter litigation. Kent is the author of Constitutional Remedies in Canada (Carswell, 2013) and has recently published an article on judicial remedies in climate change litigation internationally. Find a full transcript of this episode HERE. Case Links In this episode, the following cases were discussed: Gosselin v. Québec (Attorney General), 2002 SCC 84 (CanLII) Mathur v. Ontario, 2020 ONSC 6918 La Rose v Her Majesty the Queen 2020 FC 1008 Urgenda Foundation v. State of the Netherlands, 2015 Tanudjaja v. Canada (Attorney General), 2014 ONCA 852 (CanLII) Doucet-Boudreau v. Nova Scotia (Minister of Education), 2003 SCC 62 (CanLII) About the Asper Centre  The Asper Centre, a part of the University of Toronto's Faculty of Law since 2008, is devoted to realizing constitutional rights through advocacy, research and education. The Centre aims to play a vital role in articulating Canada's constitutional vision to the broader world. The cornerstone of the Centre is a legal clinic that brings together students, faculty and members of the bar to work on significant constitutional cases and advocacy initiatives. The Centre was established through a generous gift from U of T law alumnus David Asper (LLM '07).  Thank You's Charter: A Course is proudly sponsored by the University of Toronto's affinity partners: MBNA and TD Insurance. We would like to thank each of our sponsors, and you can discover the benefits of affinity products at bit.ly/affinity-offers. We would like to thank the creators of our theme music for Charter: A Course. Constitutional law professor Howie Kislowicz and law professor Rob Currie gave us the licence to use their constitutional law shanty in exchange for a donation to the Calgary Food Bank. The song's performers are: Vanessa Carroll, Rob Currie, Howie Kislowicz, Avinash Kowshik, Anna Lund, Patricia Paradis, Elin Sigurdson, Lyle Skinner, and Dave Wright. You can listen to the entire shanty here: Charter a Course.  Please consider contributing to your local food bank!  Thank you to Szymon Rodomar and Flint Patterson, JD students at the U of T Faculty of Law, for their immense contributions to the production of this episode.  Thank you to our wonderful guests on this episode, Nader Hasan and Professor Kent Roach! Thank you to our audio editor Liam Morrison of Bell Room Media Solutions.  Lastly, we are very grateful to you, our listeners, for taking the time to join us on this voyage as we charter a course into podcasting! 

About the Series  Charter: A Course is a podcast created by the David Asper Centre for Constitutional Rights (the Asper Centre) and hosted by the Asper Centre's Executive Director Cheryl Milne.  Charter: A Course focuses on Canadian constitutional law and litigation. In each episode, we highlight the accomplishments of U of T Law's faculty and alumni involved in leading constitutional cases and issues. Each episode also includes a “Practice Corner,” where we talk about the ins and outs of what it means to be a constitutional litigator.   Whether you are a law student, a lawyer, or just an interested person, we hope that you learn about an aspect of constitutional law and litigation that interests you in our podcast. Show Notes  This episode focuses on freedom of religion and the role of interveners in landmark cases concerning religious freedom.  Section 2 of the Charter sets out that everyone has four fundamental freedoms, one of which is freedom of conscience and religion in clause 2(a). In this episode, we learn about the different ways in which the court has viewed freedom of religion in the past and the implications of those different views, from University of Calgary Professor Howard Kislowicz. We also hear from Howie about the extent to which interveners can be said to have improved the quality of court decisions, concerning freedom of religion, and the extent to which interveners can be said to have promoted the legitimacy and acceptability of those decisions.  In this episode's Practice Corner, we talk about the process and practice of intervening in appeals at the Supreme Court of Canada with lawyer,  Adriel Weaver. Find a full transcript of this episode HERE. Time Markers Due to the extended length of this episode (the content was too compelling to cut down!) we're happy to include the following “time markers” to allow the listener to easily find specific segments of the conversation:  At 3:13, Howie and Cheryl discuss Howie's musical endeavours including how he created the theme song to our podcast, Charter: A Course.  At 7:59, Howie's discussion about Freedom of Religion cases begins At 12:41 the cross-cultural communication aspect in these cases is discussed At 15:50 the Multani case At 18:05 the Amselem case At 21:53 the Hutterian Brethren case At 36:20 the Ktunaxa Nation case At 46:09 discussion about Howie's research on the impact of interveners in religious freedom cases At 59:13 “Practice Corner” segment with Adriel Weaver on the practice and process of interventions in constitutional litigation begins At 59:59 the Trinity Western cases At 1:09:48 the purpose of interveners; written vs oral submissions At 1:12:37 the Sharma case; trial level vs appellate court interventions At 1:15:41 key practice tips essential to a good intervention At 1:17:20 Asper Centre intervention in the Bedford case At 1:19:55 Intervention by EGALE in Egan case At 1:21:45 the 10-page factum and 5-minute submissions by interveners Case Links In this episode, the following cases were discussed: Trinity Western University v. Law Society of Upper Canada, 2018 SCC 33 (CanLII) Multani v. Commission scolaire Marguerite-Bourgeoys, 2006 SCC 6 (CanLII)  Syndicat Northcrest v. Amselem, 2004 SCC 47 (CanLII) Alberta v. Hutterian Brethren of Wilson Colony, 2009 SCC 37 (CanLII) Ktunaxa Nation v. British Columbia (Forests, Lands and Natural Resource Operations), 2017 SCC 54 (CanLII) R v. Oakes, 1986 CanLII 46 (SCC) R v. Sharma, 2020 ONCA 478 (CanLII) Canada (Attorney General) v. Bedford, 2013 SCC 72 (CanLII) Egan v. Canada, 1995 CanLII 98 (SCC) About the Asper Centre  The Asper Centre, a part of the University of Toronto's Faculty of Law since 2008, is devoted to realizing constitutional rights through advocacy, research and education. The Centre aims to play a vital role in articulating Canada's constitutional vision to the broader world. The cornerstone of the Centre is a legal clinic that brings together students, faculty and members of the bar to work on significant constitutional cases and advocacy initiatives. The Centre was established through a generous gift from U of T law alumnus David Asper (LLM '07).  Thank You's Charter: A Course is proudly sponsored by the University of Toronto's affinity partners: MBNA and TD Insurance. We would like to thank each of our sponsors, and you can discover the benefits of affinity products at bit.ly/affinity-offers.  We would like to thank the creators of our theme music for Charter: A Course. Constitutional law professor Howie Kislowicz and law professor Rob Currie gave us the licence to use their constitutional law shanty in exchange for a donation to the Calgary Food Bank. The song's performers are: Vanessa Carroll, Rob Currie, Howie Kislowicz, Avinash Kowshik, Anna Lund, Patricia Paradis, Elin Sigurdson, Lyle Skinner, and Dave Wright. You can listen to the entire shanty here: Charter a Course.  Please consider contributing to your local food bank!  Thank you to Szymon Rodomar and Flint Patterson, JD students at the U of T Faculty of Law, for their immense contributions to the production of this episode.  Thank you to our wonderful guests on this episode, Howie Kislowicz and Adriel Weaver! Thank you to our audio editor Liam Morrison of Bell Room Media Solutions.  Lastly, we are very grateful to you, our listeners, for taking the time to join us on this voyage as we charter a course into podcasting! 

April Stercula, CEO of Baxter Marine Group, sits down with Chris to give business advice to a new entrepreneur. With over 30 years of experience at the helm of giant organizations in a wide variety of fields, you won't want to miss the insights that April brings to the table.Over her 30 year career, April has managed every aspect of business including product development, operations, compliance and risk management, finance, marketing, and sales. Prior to co-founding Baxter Marine Group, April served as the Chief of Staff for Flightdocs, where she managed the company's acquisition by ATP, and led the successful transition of the company to the new owner.Her other leadership roles include CEO for a European lending institution backed by a large global private equity firm, Chief of Staff for Sallie Mae, and Head of Risk Management for MBNA.To learn more about Baxter Marine Group, visit https://www.baxtermarinegroup.com/Connect with April on LinkedIn at https://www.linkedin.com/in/aprilstercula/We want to hear from you, so leave a message for us at www.podinbox.com/cheineon.If you like what you hear and want to have a podcast produced for you, visit www.cheineproductions.com to learn more. We offer podcast production and more in Bonita Springs, FL. --- Send in a voice message: https://podcasters.spotify.com/pod/show/chris-heine2/message

About the Series  Charter: A Course is a podcast created by the David Asper Centre for Constitutional Rights (the Asper Centre) and hosted by the Asper Centre's Executive Director Cheryl Milne.  Charter: A Course focuses on Canadian constitutional law and litigation. In each episode, we highlight the accomplishments of U of T Law's faculty and alumni involved in leading constitutional cases and issues. Each episode also includes a “Practice Corner,” where we talk about the ins and outs of what it means to be a constitutional litigator.   Whether you are a law student, a lawyer, or just an interested person, we hope that you learn about an aspect of constitutional law and litigation that interests you in our podcast. Show Notes  Section 11 of the Canadian Charter of Rights and Freedoms provides a list of rights for persons charged with a crime. These include, but are not limited to, the right to be tried within a reasonable period of time, under section 11(b), the right to be presumed innocent until proven guilty under section 11d, and the right to the benefit of a trial by jury, where the maximum penalty for the offense is imprisonment for five years, or even more severe punishment, under section 11(f). In this episode we speak with Kent Roach, Professor of Law at the University of Toronto and lawyer Christa Big Canoe, Legal Director of Aboriginal Legal Services in Toronto, about jury fairness in Canada, the impact of the Supreme Court's recent decision in R v Chouhan and the way in which the court's current understanding of jury selection informs the right to a jury that is representative of the community. The conversation also turns to equality rights, jury representation, and the experiences of indigenous people when it comes to juries. Lastly, in this episode's “Practice Corner” we speak with lawyer Janani Shanmuganathan about some of the practicalities of jury selection from the perspective of a criminal defense lawyer. Find a full transcript of this episode HERE. Case and Reference Links In this episode, the following cases/laws were discussed: R v Chouhan, 2021 SCC 26 (Canlii) R v Kokopenance, 2015 SCC 25 (Canlii) Bill C-75 - An Act to amend the Criminal Code, the Youth Criminal Justice Act and other Acts and to make consequential amendments to other Acts R v Stanley, 2018 SKQB 27 (Canlii) About the Asper Centre  The Asper Centre, a part of the University of Toronto's Faculty of Law since 2008, is devoted to realizing constitutional rights through advocacy, research and education. The Centre aims to play a vital role in articulating Canada's constitutional vision to the broader world. The cornerstone of the Centre is a legal clinic that brings together students, faculty and members of the bar to work on significant constitutional cases and advocacy initiatives. The Centre was established through a generous gift from U of T law alumnus David Asper (LLM '07).  Thank You's Charter: A Course is proudly sponsored by the University of Toronto's affinity partners: MBNA and TD Insurance. We would like to thank each of our sponsors, and you can discover the benefits of affinity products at bit.ly/affinity-offers. We would like to thank the creators of our theme music for Charter: A Course. Constitutional law professor Howie Kislowicz and law professor Rob Currie gave us the licence to use their constitutional law shanty in exchange for a donation to the Calgary Food Bank. The song's performers are: Vanessa Carroll, Rob Currie, Howie Kislowicz, Avinash Kowshik, Anna Lund, Patricia Paradis, Elin Sigurdson, Lyle Skinner, and Dave Wright. You can listen to the entire shanty here: Charter a Course.  Please consider contributing to your local food bank!  Thank you to Szymon Rodomar and Flint Patterson, JD students at the U of T Faculty of Law, for their immense contributions to the production of this episode.   Thank you to our wonderful guests on this episode, Kent Roach, Christa Big Canoe and Janani Shanmuganathan.  Thank you to our audio editor Liam Morrison of Bell Room Media Solutions.  Lastly, we are very grateful to you, our listeners, for taking the time to join us on this voyage as we charter a course into podcasting! 

About the Series  Charter: A Course is a podcast created by the David Asper Centre for Constitutional Rights (the Asper Centre) and hosted by the Asper Centre's Executive Director Cheryl Milne.  Charter: A Course focuses on Canadian constitutional law and litigation. In each episode, we highlight the accomplishments of U of T Law's faculty and alumni involved in leading constitutional cases and issues. Each episode also includes a “Practice Corner,” where we talk about the ins and outs of what it means to be a constitutional litigator.   Whether you are a law student, a lawyer, or just an interested person, we hope that you learn about an aspect of constitutional law and litigation that interests you in our podcast. Show Notes  This episode focuses on various Charter rights in the context of the COVID-19 pandemic. Section 6 (1) of the Charter of Rights and Freedoms confers the right to enter, remain in and leave Canada upon every citizen of Canada. Section 6(2) provides citizens and permanent residents with the right to move and take up residence and to pursue a livelihood in any province. Over the past year and a half, some provinces, including Ontario, have restricted movement across provincial borders. Other legal responses, or lack of responses, from government might also implicate section 7 rights to life, liberty and security of the person, while vaccine mandates raise questions about equality rights under section 15 or freedom of conscience and religion under section 2(a); and arguments have been made that restrictions on gathering affect those rights as well as the right to assembly under section 2(c) or association under 2(d).  We'll hear about the complicated relationship between our Charter and the government's response to the COVID-19 pandemic from Abby Deshman and Nathalie des Rosiers. We'll also hear a bit more about a topic we covered in our first episode: section 1 of the Charter. Particularly, whether the Oakes test is too strict in the context of an emergency such as the COVID-19 pandemic. To close things off, in our “Practice Corner,” we'll hear from two recent U of T law graduates, Geri Angelova and Hana Awwad, regarding their experience participating in the law school's Grand Moot earlier this year, which was on the topic of the constitutionality of mandatory vaccinations.   Find a full transcript of this episode here: https://aspercentre.ca/wp-content/uploads/2021/10/Episode-2-Covid-19-TRANSCRIPT.pdf Case Links In this episode, the following Supreme Court of Canada constitutional law decision was discussed: R v. Oakes, 1986 CanLII 46 (SCC), [1986] 1 SCR 103 About the Asper Centre  The Asper Centre, a part of the University of Toronto's Faculty of Law since 2008, is devoted to realizing constitutional rights through advocacy, research and education. The Centre aims to play a vital role in articulating Canada's constitutional vision to the broader world. The cornerstone of the Centre is a legal clinic that brings together students, faculty and members of the bar to work on significant constitutional cases and advocacy initiatives. The Centre was established through a generous gift from U of T law alumnus David Asper (LLM '07).  Thank You's Charter: A Course is proudly sponsored by the University of Toronto's affinity partners: MBNA and TD Insurance. We would like to thank each of our sponsors, and you can discover the benefits of affinity products at affinity.utoronto.ca. We would like to thank the creators of our theme music for Charter: A Course. Constitutional law professor Howie Kislowicz and law professor Rob Currie gave us the licence to use their constitutional law shanty in exchange for a donation to the Calgary Food Bank. The song's performers are: Vanessa Carroll, Rob Currie, Howie Kislowicz, Avinash Kowshik, Anna Lund, Patricia Paradis, Elin Sigurdson, Lyle Skinner, and Dave Wright. You can listen to the entire shanty here: Charter a Course.  Please consider contributing to your local food bank!  Thank you to Szymon Rodomar and Flint Patterson, JD students at the U of T Faculty of Law, for their immense contributions to the production of this episode.  Thank you to our wonderful guests on this episode, Nathalie des Rosiers, Abby Deshman, Geri Angelova and Hana Awwad.  Thank you to our audio editor Liam Morrison of Bell Room Media Solutions.  Lastly, we are very grateful to you, our listeners, for taking the time to join us on this voyage as we charter a course into podcasting!   

EPISODE SUMMARY INTRODUCTION: Steve Sims is the founder and CEO of the luxury concierge service Bluefish. In 2017, Sims published a book, Bluefishing: The Art of Making Things Happen. Sims grew up in East London and met his wife, Clare when he was 16 years old. Sims began his career as a Bricklayer in London. In 1980, Sims started a stockbroker job in London, where he worked for about 6 months. He was transferred to Hong Kong but was fired, however, he stayed in Hong Kong and worked as a Doorman for a Night Club in the area, where he went to parties and met their attendees. He formed the network that would initially support Bluefish, his business today. Steve Sims has arranged many adventures for clients and has met many A-list celebrities as a result, including such names as Donald Trump, Sting, Andrea Bocelli, and Elon Musk. Sims founded Bluefish in 1996. In 2003, Bluefish partnered with MBNA to launch its own credit card. In 2004, Bluefish was named the official concierge of L.A. and New York Fashion Weeks. In August 2006, Icon International Holdings Inc. signed an agreement with Bluefish Concierge to provide all concierge services for the airline and its travelers. Bluefish Concierge was the official concierge of the Kentucky Derby from 2005 to 2007. Sims' current project features an app called Taste of Blue that offers a more accessible route to unique and luxury outcomes. Sims has been featured in over 30 TV shows, over 60 major publications, and has spoken at many events, including prestigious venues such as Harvard. NEXT STEPS MENTIONED IN THIS VIDEO: 1. Go to stevedsims.com. 2. Get the book Bluefishing: The Art of Making Things Happen. TOPICS DISCUSSED IN THIS VIDEO:  – Intro  – Real Entrepreneur.  – Luxury Concierge.  – Money Doesn't Make You Rich.  – #1 Factor in Destroying Laziness.  – Compromising.  – It Takes ZERO Effort to Be YOU.  – Maturing the REAL You & Not Becoming a Fake You.  – When You Stop; You Die.  – Prison Inmates Work.  – Talk to the People.  – Your Legacy.  – Never Give a Client What They Ask – Give them BETTER!  – Affluent Levels.  – #1 Thing to Overcome. ABOUT ME: Hi, I'm Stephen Scoggins. After fighting from homelessness and depression to build multiple businesses employing hundreds of amazing people, I've learned a lot about what it really takes to overcome your limitations and build your dream life. Now, my goal is to help 1 million people get from where they are today, to where they want to be in life. To help with that, I'm releasing videos on this channel several times per week and post regularly on social media. On this YouTube channel, I interview the world's foremost thought leaders on what it takes to master your life. I also have a library of free resources, downloadable eBooks, and personality tests to help you become the person you always wanted to be. Just check out my websites below! MASTER YOUR LIFE WITH FREE RESOURCES: My website: https://www.stephenscoggins.com Free eBooks & Resources: https://www.stephenscoggins.com/resources My Blog: https://stephenscoggins.com/blog/ Stuck to Unstoppable Podcast: https://stephenscoggins.com/stuck-to-unstoppable/ CONNECT WITH ME ON SOCIAL MEDIA: Instagram: https://www.instagram.com/stephen_scoggins/ Facebook: https://www.facebook.com/stephenscoggins/ LinkedIn: https://www.linkedin.com/in/stephenscoggins Twitter: https://twitter.com/stephen_scoggin

About the Series  Charter: A Course is a podcast created by the David Asper Centre for Constitutional Rights (the Asper Centre) and hosted by the Asper Centre's Executive Director Cheryl Milne. Charter: A Course focuses on Canadian constitutional law and litigation. In each episode, we highlight the accomplishments of U of T Law's faculty and alumni involved in leading constitutional cases and issues. Each episode also includes a “Practice Corner,” where we talk about the ins and outs of what it means to be a constitutional litigator.   Whether you are a law student, a lawyer, or just an interested person, we hope that you learn about an aspect of constitutional law and litigation that interests you in our podcast. Show Notes  In this episode, we begin our exploration of the Canadian Charter of Rights and Freedoms with a conversation about section 1, which sets out that the rights in the Charter are subject to limits, or as the section says, “reasonable limits that are demonstrably justifiable in a free and democratic society.” We are privileged to speak with scholar and U of T alumnus Professor Jacob Weinrib. During our “Practice Corner,” we speak with constitutional litigator and U of T Law alumnus Padraic Ryan.  Find a full transcript of this episode here: https://aspercentre.ca/wp-content/uploads/2021/09/Section-1-Episode-Transcripts.pdf Case Links The following SCC constitutional law decisions were discussed in this episode:  R. v. Oakes, 1986 CanLII 46 (SCC), [1986] 1 SCR 103 Gillian Frank, et al. v. Attorney General of Canada (2016) Newfoundland (Treasury Board) v. N.A.P.E., 2004 SCC 66 (CanLII), [2004] 3 SCR 381 About the Asper Centre   The Asper Centre, a part of the University of Toronto's Faculty of Law since 2008, is devoted to realizing constitutional rights through advocacy, research and education. The Centre aims to play a vital role in articulating Canada's constitutional vision to the broader world. The cornerstone of the Centre is a legal clinic that brings together students, faculty and members of the bar to work on significant constitutional cases and advocacy initiatives. The Centre was established through a generous gift from U of Tlaw alumnus David Asper (LLM '07).  Thank You's Charter: A Course is proudly sponsored by the University of Toronto's affinity partners: MBNA and TD Insurance. We would like to thank each of our sponsors, and you can discover the benefits of affinity products at affinity.utoronto.ca. We would like to thank the creators of our theme music for Charter: A Course. Constitutional law professor Howie Kislowicz and law professor Rob Currie gave us the licence to use their constitutional law shanty in exchange for a donation to the Calgary Food Bank. The song's performers are: Vanessa Carroll, Rob Currie, Howie Kislowicz, Avinash Kowshik, Anna Lund, Patricia Paradis, Elin Sigurdson, Lyle Skinner, and Dave Wright. You can listen to the entire song here: Charter a Course.  Please consider contributing to your local food bank!  Thank you to Szymon Rodomar and Flint Patterson, JD students at the U of T Faculty of Law, for their immense contributions to the production of this episode.  Thank you to our wonderful guests on this episode, Professor Jacob Weinrib and Padraic Ryan.  Thank you to our audio editor Liam Morrison of Bell Room Media Solutions.  Lastly, we are very grateful to you, our listeners, for taking the time to join us on this voyage as we charter a course into podcasting!

Here's what Paul says  on his website:"My name is Paul Field, and I was an Adoptee born in Kingston, London, England, and grew up on the Isle of Wight.I went to Wroxall Primary, Ventnor Middle and Sandown High Schools.When I left school, I went to work for Videotron Cable TV, on West Quay Rd, in Southampton.I also worked for GEC Avery, now known as Avery Berkel, before moving to the United States in January of 1994,where I met my wife, Denise (pictured above), and had my daughter, Kaitlyn.In the U.S., I have worked as a consultant for America Online, RHI Consulting, Lipton, Database America, AT&T Wireless, U.S. Secret Service, U.S. Customs, Best Foods, MBNA, Custom Video Productions and Computer Associates.I am currently the network administrator for a Fortune 500 company.I also run my own Computer Security consulting business.This site was started to help make the lives of Adoptees (and birth parents) who are searching easier.I remember some of the resources I needed during my search, and am now trying to make asmany of them easily available for fellow searchers. That is where the idea for this site came from.I hope you enjoy using the site, as much as I enjoyed putting it together."Paul runs 2 websites with over 45,000 people registered.Get on the register so you can be found at:http://www.ukbirthadoptionregister.com/Search for people already on the register at:http://www.lookupuk.com/He also does US searches.Birth records - England & Wales.Adopted adults in England and Wales have been able to apply for access to their original birth record since 1975.Those adopted (England and Wales) before 12 November 1975 are respectfully required to see a nominated counsellor before they can be given access to their records. If you were adopted after 11 November 1975 you can choose whether or not you want to see a counsellor.You can find a counsellor to help you get the records by contacting  adoption organisations such as https://www.pac-uk.org/More information athttp://www.lookupuk.com/adopt.html#adoption#adoptionawareness#adoptionevent#adoptionislove#adoptionjourney#adoptionlove#adoptionresponsable#adoptions#adoptionstories#adoptionstory#adoptionsupport#adoptiontails#search#birthmother#biomom 

Steve Sims who grew up in East London, is the founder and CEO of the luxury concierge service Bluefish. He began his career as a Bricklayer in London. In 1996, Steve founded Bluefish. In 2003, Bluefish partnered with MBNA to launch its own credit card. In 2004, Bluefish was named the official concierge of L.A. and New York Fashion Weeks. In August 2006, Icon International Holdings Inc. signed an agreement with Bluefish Concierge to provide all concierge services for the airline and its travelers. Bluefish Concierge was the official concierge of the Kentucky Derby from 2005 to 2007. In 2017, Sims published a book, Bluefishing: The Art of Making Things Happen. Visit his website at www.stevedsims.com For more info on guests and future episodes visit KateHancock.com --- Support this podcast: https://anchor.fm/ibhshow/support

What is a Virtual CMO? - http://virtualcmo.expert/This episode's Topic: Leadership Coaching Principles with Steve Simshttps://www.stevedsims.com/Forbes and Entrepreneur Magazine has called Steve “The Real Life Wizard of Oz”. Steve's focus is to get you uncomfortable, pull out the “Whys” and, “Oh, I could never do that” and save you years, scars and money by getting you where you should be versus where you are not heading.Steve Sims (born 1966) is the founder and CEO of the luxury concierge service Bluefish. In 2017, Sims published a book, Bluefishing: The Art of Making Things Happen. Sims grew up in East London and met his wife, Clare, when he was 16 years old.Sims began his career as a Bricklayer in London. In 1980, Sims started a stockbroker job in London, where he worked for about 6 months. Eventually, Sims transferred to Hong Kong where he was fired in 5 days. After losing his stockbroking job, Sims stayed in Hong Kong where he worked as a Doorman for a Night Club in the area, where he went to parties and met their attendees, forming the network that would initially support Bluefish. Sims has arranged many adventures for clients including:Private Dinner for 6 at the Feet of Michelangelo's DavidDinners in Italy while being Serenaded by Andrea BocelliUnderwater Tours of the TitanicThrough Bluefin, Sims has networked and befriended many powerful people including: Donald Trump, Sting, Andrea Bocelli and Elon Musk. In 2016, Sims landed a publishing deal with Simon & Schuster for his book, "Bluefish: The Art of Making Things Happen". Sims current project features an app called Taste of Blue that offers a more accessible route to unique and luxury outcomes. Sims has been featured in over 30 TV shows, over 60 major publications, and has spoken at many events including Harvard.Sims founded Bluefish in 1996. In 2003, Bluefish partnered with MBNA to launch its own credit card.In 2004, Bluefish was named the official concierge of L.A. and New York Fashion Weeks.In August 2006, Icon International Holdings Inc. signed an agreement with Bluefish Concierge to provide all concierge services for the airline and its travelers. Bluefish Concierge was the official concierge of the Kentucky Derby from 2005 to 2007.

After working her way up at MBNA and then General Electric, Jen Oknin has demonstrated leadership in both people-first cultures and the traditional Top-Down GE-world of Jack Welsh. She excelled in each and explains the different cultures. She spent the first 20 years of her career travelling the world for a Fortune 10 company. She was successful, built great teams, and accomplished amazing things...but long days and frequent travel took a toll on her overall health. As the fall of iconic brand GE occurred Jen turned to entrepreneurship and has found network marketing to be essential. A way to develop personally while gaining financially along the way. Gain access to leaders like Jen Oknin and listen! Visit Jenn on her website: https://www.jenniferoknin.com/ Visit her on LinkedIn in at : https://www.linkedin.com/in/jenoknin/ Follow us & Download Episodes! Find us at: https://brandology.captivate.fm/ Music by PC-One, Ketsa, PIPE CHOIR through FMA. MrThe Noranha, Euphrosyyn, Evreytro, Joao Janz from FreeSound. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/branditpodcast/support

After working her way up at MBNA and then General Electric, Jen Oknin has demonstrated leadership in both people-first cultures and the traditional Top-Down GE-world of Jack Welsh. She excelled in each and explains the different cultures. She spent the first 20 years of her career travelling the world for a Fortune 10 company. She was successful, built great teams, and accomplished amazing things...but long days and frequent travel took a toll on her overall health.  As the fall of iconic brand GE occurred Jen turned to entrepreneurship and has found network marketing to be essential. A way to develop personally while gaining financially along the way. Gain access to leaders like Jen Oknin and listen! Visit Jenn on her website: https://www.jenniferoknin.com/ (https://www.jenniferoknin.com/) Visit her on LinkedIn in at : https://www.linkedin.com/in/jenoknin/ (https://www.linkedin.com/in/jenoknin/)   Follow us & Download Episodes! Find us at: https://brandology.captivate.fm/ (https://brandology.captivate.fm/) Music by PC-One, Ketsa, PIPE CHOIR through FMA. MrThe Noranha, Euphrosyyn, Evreytro, Joao Janz from FreeSound. This podcast uses the following third-party services for analysis: Podcorn - https://podcorn.com/privacy Support this podcast

Terry Mulhern turned his passion and college scholarship in Art into a finance degree from the prestigious John Carroll University and after quickly learning that a “B” average in college does not open doors to Wall Street, worked with leading national banks, moving his way up swiftly to an executive role at an early age. Gain access to his experience with the ultimate definition of the best culture known in modern times. Terry explains about his career with an institution that defines a people-first, customer-centered culture. Here how they have signs above every single door (both sides) saying “Think of yourself as the customer” in every building at every door in 1000's of locations across the globe. There's a long list of examples like this including where executives park far away and front-line workers and customers get the best spots. Where every paycheck says “brought to you by the customer”…and MORE! A hilarious episode with Trivia, fun, laughter and great wisdom on leadership and culture. Terry has served in an executive role for major corporations like MBNA, Nationwide Insurance, Things Remembered and more. He has a book on best ways to treat your retirement as a career: Book Paperback Link https://amzn.to/3qsUTZX Kindle Link https://amzn.to/3qu5fJ7 Website https://www.retirement-ceo.com/ Learn about Terry's non-profit here: https://www.ed-advisors.org/ Find Terry on Linkedin: https://www.linkedin.com/in/terry-mulhern-6503aa6/ Follow us & Download Episodes! Find us at: https://brandology.captivate.fm/ Music by PC-One, Ketsa, PIPE CHOIR through FMA. MrThe Noranha, Euphrosyyn, Evreytro, Joao Janz from FreeSound. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/branditpodcast/support

Terry Mulhern turned his passion and college scholarship in Art into a finance degree from the prestigious John Carroll University and after quickly learning that a “B” average in college does not open doors to Wall Street, worked with leading national banks, moving his way up swiftly to an executive role at an early age. Gain access to his experience with the ultimate definition of the best culture known in modern times. Terry explains about his career with an institution that defines a people-first, customer-centered culture. Here how they have signs above every single door (both sides) saying “Think of yourself as the customer” in every building at every door in 1000’s of locations across the globe. There’s a long list of examples like this including where executives park far away and front-line workers and customers get the best spots. Where every paycheck says “brought to you by the customer”…and MORE! A hilarious episode with Trivia, fun, laughter and great wisdom on leadership and culture. Terry has served in an executive role for major corporations like MBNA, Nationwide Insurance, Things Remembered and more. He has a book on best ways to treat your retirement as a career: Book Paperback Link https://urldefense.proofpoint.com/v2/url?u=https-3A__amzn.to_3qsUTZX&d=DwMFaQ&c=rMypsi2XMCFofe1ap9ofEUX5gM1yzrrx-U6jWPgwRl8&r=HIDwx4zp2WdkbjvOFL3VTJP6QvyHs6iGsHQ8MvMIUQ4&m=iHDeX_fbUAeoypT2yxDB21SmvBbdZ7SbVZl2N7WnCdI&s=4JNY9Pkz8HLrjUe6QXwjUUZtgyTOd_N3lIEM9mExntU&e= (https://amzn.to/3qsUTZX) https://tanconnects.com/terrymulhern (Kindle Link ) https://urldefense.proofpoint.com/v2/url?u=https-3A__amzn.to_3qu5fJ7&d=DwMFaQ&c=rMypsi2XMCFofe1ap9ofEUX5gM1yzrrx-U6jWPgwRl8&r=HIDwx4zp2WdkbjvOFL3VTJP6QvyHs6iGsHQ8MvMIUQ4&m=iHDeX_fbUAeoypT2yxDB21SmvBbdZ7SbVZl2N7WnCdI&s=eIQ-nZUxvCx2w8k2IcbDSUd84c4va1wFj-9RcnWtmVQ&e= (https://amzn.to/3qu5fJ7)  Website https://www.retirement-ceo.com/ (https://www.retirement-ceo.com/) Learn about Terry’s non-profit here: https://www.ed-advisors.org/ (https://www.ed-advisors.org)/ Find Terry on Linkedin: https://www.linkedin.com/in/terry-mulhern-6503aa6/ (https://www.linkedin.com/in/terry-mulhern-6503aa6/) Follow us & Download Episodes! Find us at: https://brandology.captivate.fm/ (https://brandology.captivate.fm/) Music by PC-One, Ketsa, PIPE CHOIR through FMA. MrThe Noranha, Euphrosyyn, Evreytro, Joao Janz from FreeSound. This podcast uses the following third-party services for analysis: Podcorn - https://podcorn.com/privacy Support this podcast

Josiah does the work the mainstream media won’t do, covering the Biden family’s shady dealings with major credit card company and bank MBNA and Joe Biden’s support for the Iraq War.

Your favourite medical science podcast is making the most of ‘the new normal’ - this year’s Raw Talk Live event was broadcast entirely on YouTube! Over 8 weeks, we spoke to researchers all across Canada about all things COVID-19. Our fourth instalment features public health experts Dr. Jeff Kwong and Professor Vivek Goel in a discussion on the public health response to COVID-19 in Canada and Ontario. We also explore the role of public health interventions and the future of the COVID-19 public health response. Dr. Jeff Kwong is an epidemiologist, a specialist in public health and preventive medicine, and a family physician. He is the Program Leader of the Populations and Public Health Program at IC/ES (formerly the Institute for Clinical Evaluative Sciences), a Scientist at Public Health Ontario, a Professor at the University of Toronto, and the Interim Director of the University of Toronto’s Centre for Vaccine Preventable Diseases. He has conducted a range of studies related to the epidemiology of influenza and other vaccine-preventable diseases. Professor Vivek Goel is a member of the COVID-19 Immunity Task Force and the Governing Council for CanCOVID, the national research platform for COVID-19 research. He is also Special Advisor to the President and Provost at the University of Toronto and a Professor in the Institute of Health Policy, Management and Evaluation at the Dalla Lana School of Public Health. He has previously served as the University’s Vice-Provost, Faculty and was subsequently Vice President and Provost from 2004 until 2008. He was a founding scientist at IC/ES, where he continues as an Adjunct Senior Scientist. He served as founding President and CEO of Public Health Ontario from 2008 until 2014, before returning to the University as Vice-President, Research and Innovation, and Strategic Initiatives from 2015-2020. Guest - Dr Vivek Goel Guest - Dr Jeff Kwong Dealing with COVID-19: A Balanced Response Letter Watch this stream on YouTube U of T Alumni Offers from our sponsors TD Insurance & MBNA COVID Decoded Feedback survey

2020 has been a strange, unpredictable and challenging year, as the coronavirus has impacted our lives in countless ways. Here at Raw Talk, we found ourselves struggling to keep up with COVID-19 research and understand the impacts of the pandemic on our society. So, instead of our usual live event this year, we created COVIDecoded: a weekly YouTube live stream of discussions with experts on all things COVID, to help understand the emerging science and social shifts. In this episode, the hosts from the series came together (distanced and wearing masks, of course) to discuss what we learned from the series, key themes that emerged, and our personal reflections on living through the pandemic. We review the current state of testing in Canada, discuss the social determinants of COVID-19 risk and the importance of gathering race-based data, and reflect on the lessons we can learn going forward. We hope the episode, and the full discussions below, can help you make sense of the diverse and complex interactions between our world and the virus, or in other words, the "New Normal". U of T Alumni Offers from our sponsors TD Insurance & MBNA Raw Talk Podcast Friendraiser Raw Talk Podcast Code of Conduct Seroprevalence of SARS-CoV-2 in Italian cats and dogs Seroprevalence of SARS-CoV-2 in the Spanish population COVIDecoded Series: Episode 1 - Coronaviruses 101 Episode 2 - Epidemiology and Modeling Episode 3 - Psychological Impact Episode 4 - Public Health and Policy Episode 5 - Intersections with Climate Change Episode 6 - Putting It to the test Episode 7 - Health Equity Episode 8 - Immunity in Canada

Your favourite medical science podcast is making the most of ‘the new normal’ - this year’s Raw Talk Live event was broadcast entirely on YouTube! Over 8 weeks, we spoke to researchers all across Canada about all things COVID-19. Our 7th instalment focuses on health equity – the historical context and impact of longstanding systemic inequities; how the pandemic has highlighted existing inequities for racialized, marginalized, and underrepresented groups; the importance of race-based and socioeconomic data; how they can inform an equitable public health response; and how we can ensure sustainable health and societal changes moving forward. Dr. Roberta K. Timothy is an Assistant Professor in the Teaching Stream, and is the new Director of Health Promotion at Dalla Lana School of Public Health at the University of Toronto. Specializing in the areas of intersectionality and ethics in health work; health and race; transnational Indigenous health; and anti-oppression/anti-colonial approaches to mental health. Dr. Timothy has worked for over 30 years in community health working on resisting anti-Black racism and intersectional violence strategies. Dr. Timothy is also co-founder and consultant at Continuing Healing Consultants where she implements and teaches her intersectional mental health model "Anti-Oppression Psychotherapy". She is an interdisciplinary scholar, health practitioner, and political scientist who examines global health and ethics from a critical trauma-informed decolonizing framework. Dr. Ceinwen Pope is a new family physician and current medical resident at the University of Toronto's Public Health and Preventive Medicine residency program. Her interest in health equity and population health led her to pursue an undergraduate degree specializing in Global Health at McMaster University, followed by a medical degree at the University of Ottawa. In the fall, she will begin a Master of Public Health in Epidemiology at the Dalla School of Public Health as part of her ongoing medical training. Her recent work has involved looking at equity-informed public health responses to the COVID-19 pandemic. Guest - Dr Roberta K Timothy Guest - Dr Ceinwen Pope Watch this stream on YouTube U of T Alumni Offers from our sponsors TD Insurance & MBNA COVID Decoded Feedback survey

Your favourite medical science podcast is making the most of ‘the new normal’ - this year’s Raw Talk Live event was broadcast entirely on YouTube! Over 8 weeks, we spoke to researchers all across Canada about all things COVID-19. Our 6th instalment focuses on COVID-19 testing – what the tests tell us and how they work, how testing has changed the course of the pandemic, and what we can expect from them in terms of epidemiological surveillance and recovery as we move forward. Dr. Adeli is a senior scientist and clinical biochemist with over 30 years of experience in clinical chemistry service, education, and research. He is currently the Head of Clinical Biochemistry at the Hospital for Sick Children and Full Professor in the Departments of Laboratory Medicine and Pathobiology, Biochemistry, and Physiology at the University of Toronto. Dr. Adeli also serves as the President of the International Federation of Clinical Chemistry and Laboratory Medicine (IFCC) and the current Editor-in-Chief of Critical Reviews in Clinical Laboratory Sciences. Mary Kathryn Bohn is a PhD candidate in the Department of Laboratory Medicine and Pathobiology at the University of Toronto. She earned her Bachelor’s degree in Biochemistry at McMaster University in 2018 and is now a trainee with the Canadian Laboratory Initiative on Paediatric Reference Intervals (CALIPER) under the supervision of Dr. Khosrow Adeli at The Hospital for Sick Children. Guest - Dr Khosrow Adeli Guest - Mary Kathryn Bohn Watch this stream on YouTube U of T Alumni Offers from our sponsors TD Insurance & MBNA COVID Decoded Feedback survey

Your favourite medical science podcast is making the most of ‘the new normal’ - this year’s Raw Talk Live event was broadcast entirely on YouTube! Over 8 weeks, we spoke to researchers all across Canada about all things COVID-19. Our 5th instalment focuses on the connections between the COVID-19 pandemic and Climate Change: similarities on both personal and structural levels, key differences, and lessons we can learn from each crisis for the other. We are grateful to be joined by two experts working at the intersections of health and environment: Chúk Odenigbo is Director of Ancestral Services at Future Ancestor Services and a PhD student at The University of Ottawa in Medical Geography. Proudly Franco-Albertan, Chúk is passionate about the interactions between culture, health and the environment. As a former ambassador for the outdoors with MEC, and alumni of the first Ocean Bridge cohort, Chúk was ranked among the top 25 environmentalists under 25 in Canada by the starfish for three years. Gideon Forman is a Climate Change Policy Analyst with the David Suzuki Foundation working to promote renewable energy projects and the expansion of active and public transportation. For over a decade he was Executive Director of the Canadian Association of Physicians for the Environment, leading campaigns against lawn pesticides and coal-fired power. In recognition for his environmental work, Gideon was awarded a Queen Elizabeth II Diamond Jubilee medal in 2013. Guest - Chúk Odenigbo Guest - Gideon Forman Watch this stream on YouTube U of T Alumni Offers from our sponsors TD Insurance & MBNA COVID Decoded Feedback survey

Your favourite medical science podcast is making the most of ‘the new normal’ - this year’s Raw Talk Live event was broadcast entirely on YouTube! Over 8 weeks, we spoke to researchers all across Canada about all things COVID-19. Our 8th and final instalment focuses on immunity and SARS-CoV2. Controlling this novel pathogen will no doubt require immune systems to adapt, and supporting those changes will demand a significant shift in societal attitudes and policies. What does it mean to be an asymptomatic carrier? What is herd immunity? What might a vaccination strategy look like? Join our discussion to learn all this, and more! Dr. David Naylor is a physician, biomedical researcher and former President of the University of Toronto, who most recently served as the Interim President and CEO of the SickKids Hospital prior to the appointment of the current administration. Having chaired Canada’s National Advisory Committee on SARS and Public Health back in 2003, Dr. Naylor is more than well-equipped to Co-Chair the COVID-19 Immunity Task Force, develop discourse on public health and safety, and help lead Canada into the ‘next normal’. Guest - Dr David Naylor Additional insights on COVID-19 and the Immune Response Watch this stream on YouTube U of T Alumni Offers from our sponsors TD Insurance & MBNA COVID Decoded Feedback survey

Your favourite medical science podcast is making the most of ‘the new normal’ - this year’s Raw Talk Live event was broadcast entirely on YouTube! Over 8 weeks, we spoke to researchers all across Canada about all things COVID-19. Our third instalment features Dr. Rima Styra, an Associate Professor of Psychiatry at the University of Toronto and clinician-investigator at the University Health Network, and Donna Alexander, social worker at the Centre for Addiction and Mental Health, former Vice-President of the Black Health Alliance and Board Member of Black Mental Health Canada and the Community Advisory Committee for Children’s Aid Society of Toronto. We will discuss how our mental health is impacted by the COVID-19 pandemic, the specific psychological effects experienced by healthcare workers and the Black community, and what changes should be made in our mental health systems in response to the “new normal.” Guest - Dr Rima Styra Guest - Donna Alexander Watch this stream on YouTube U of T Alumni Offers from our sponsors TD Insurance & MBNA COVID Decoded Feedback survey Mental Health Resources: The Star: Canada could face a mental health ‘echo pandemic’ in the aftermath of COVID-19 The Star: Here’s what you actually feel: Two Toronto doctors explain the psychology of pandemic CTV News: Half of Canadians report worsening mental health, experts say woes just beginning WNYC News: Advice on Getting Through COVID Isolation From Two Doctors Who Worked Through SARS 2004 SARS control and psychological effects of quarantine COVID-19 Mental Health Services (City of Toronto) Black Mental Health Resources/Services/Organizations: Mental health resources for the Black community in Toronto 8 Mental Health Practices for People of African Descent while Isolated Substance Abuse Program for African Canadian and Caribbean Youth (SAPACCY) Black Health Alliance Black Youth Helpline Black Mental Health Canada Black Mental Health Day WellNest Psychotherapy Services Mental Health Services for Healthcare Workers: CAMH Resources for health care workers during COVID-19 St. Joe's COVID-19: Mental Health Services for HCW Free Psychological Services for Frontline Workers (Canadian Psychological Association) Mitigating the psychological effects of COVID-19 on health care workers Impact on health care workers employed in high-risk areas during the Toronto SARS outbreak  

Your favourite medical science podcast is making the most of ‘the new normal’ - this year’s Raw Talk Live event was broadcast entirely on YouTube! Over 8 weeks, we spoke to researchers all across Canada about all things COVID-19. Our second instalment features Dr Sharmistha Mishra, infectious disease physician and mathematical modeler, and Linwei Wang, senior epidemiologist, both at St. Michael’s Hospital, to learn about the questions, data, and assumptions behind mathematical models of SARS-CoV-2 transmission. Guest - Dr Sharmistha Mishra Guest - Linwei Wang Watch this stream on YouTube U of T Alumni Offers from our sponsors TD Insurance & MBNA COVID Decoded Feedback survey

Your favourite medical science podcast is making the most of ‘the new normal’ - this year’s Raw Talk Live event was broadcast entirely on YouTube! Over 8 weeks, we spoke to researchers all across Canada about all things COVID-19. Our first instalment features Dr. Karen Mossman, molecular virologist and Vice President of Research at McMaster University. Dr. Mossman discusses how coronaviruses, particularly SARS-CoV-2, infect human cells and cause disease, and shares interesting insights from her current research. Guest - Dr Karen Mossman Watch this stream on YouTube U of T Alumni Offers from our sponsors TD Insurance & MBNA COVID Decoded Feedback survey

The 2002 MBNA Platinum 400 from Dover International Speedway

On this episode of the Jason Cavness Experience I talk to Taylor McLemore Managing Director of Techstars Workforce Development Accelerator cavnessHR website: https://www.cavnessHR.com Jason's email: jasoncavness@cavnessHR.com @cavnessHR  across social media @jasoncavnessHR across social media We talk about the following The idea behind Codeable. Patriot Boot Camp. The business of Techstars. When should a Founder stop? The Workforce Podcast. Accepting applications from non-profits to the next cohort. Taylor's Bio Taylor is a venture builder, scale operator, community connector, and investor. He is the Managing Director of the Techstars Workforce Development Accelerator. He supports founders building companies that enable human potential through work, investing across edtech, labor market solutions, and the future of work. Taylor was appointed by Governor Jared Polis and confirmed by the Colorado State Senate as a Public Member of the Colorado Banking Board, serving the consumer protection mission of DORA for the $56Bn+ state banking system. Previously, he was Managing Director of Able, a venture and product studio.  Taylor was responsible for Able's new venture and investing practice and all finance, legal, operations, and human resources functions for three offices on two continents while the company achieved 15x+ growth. While at Able, he was a co-founder and investment lead for Codeable, a coding school in Latin America. Taylor is the Founder and a Board Director of Patriot Boot Camp, a nonprofit built in partnership with Techstars and Governor Jared Polis. Patriot Boot Camp programs have worked with more than 1,000 military veteran and military spouse entrepreneurs to build technology companies of impact and scale. These companies have raised more than $110 million in venture capital and created more than 2,000 jobs. Previously, Taylor co-founded and was CEO of Prediculous, a social gaming company that participated in the 2013 cohort of Techstars Boulder.  Prior to that, Taylor worked in investment banking assisting in the arrangement of more than $12 billion in financing for leveraged buyouts, acquisitions, and other corporate transactions. Taylor worked as a Vice President at Bank of America analyzing the more than $500 million of annual real estate occupancy expense for the Global Operations Council. Also while at Bank of America, he worked on the MBNA, Countrywide, and Merrill Lynch merger integrations.  Early in his career he was a venture capital analyst and hedge fund analyst. He graduated Magna Cum Laude with a Bachelor of Arts in Economics and Spanish, Phi Beta Kappa from Davidson College. During his undergraduate work, he studied at Universidad de San Lorenzo in Madrid, Spain. Taylor received the Kemp Scholar at Davidson College and studied the Adaptive Market Hypothesis and Efficient Market Hypothesis in Chile and Argentina.  Techstars Workforce Development Accelerator Applications for Non-Profits Information on applying as a non-profit and the application link is below. Application deadline is August 28. https://www.techstars.com/newsroom/now-accepting-nonprofit-applications-for-the-techstars-workforce-development https://docs.google.com/forms/d/e/1FAIpQLSe2g4jeJuV10_oL-f0xKtAcdVOcZGvxTdtIh5LDqtg7KQyGUw/viewform Taylor's Social Media Taylor's Twitter: @taylormclemore Taylor's Website: https://www.taylormclemore.com/ Workforce Podcast: https://www.theworkforcepodcast.com/ Taylor's Advice One thing that I've been really trying to embrace, it's actually one of the values of TechStars. Which is quality over quantity. I feel like we live in a world dominated by quantity. If it's a digital world, we could spin that up to a million people, or 100 million people. I really am excited to focus on things where you can start with how do I drive quality. Quality of experience in what I'm building for one user or one client?  How do I think about how I'm spending my time instead of putting in a bunch of time and then am I thinking about the quality of it? Because in my experience, it's really hard to reverse engineer that after the fact. It's really hard to figure out quality after you've started. When you start with quality and you stay dedicated to quality. You can scale with quality. I've been thinking a lot about that. I would just share that idea for people to think about how it might apply to what they're doing in their lives and how they're investing their time. So hopefully that idea resonates. See acast.com/privacy for privacy and opt-out information.

In the context of finding ourselves in a world of pandemic coronavirus, self-Isolation, and uncertainty about the future, Paul talks about how we can reframe our mindset for greater success. He discusses how you can use this period of time as an opportunity to reframe your mindset to see things in new ways, become more agile, discover coping mechanisms, and help you build emotional resilience at this difficult time. Paul also shares his 'Mindset Equation' from his latest book 'Reframe Your Mindset: Redefine Your Success' and the four elements in his 'Resilience Backpack'. And Paul also finds time to talk about how the experiences of being at the Hillsborough disaster and his father's funeral both influenced the work he does today. Paul is a Leadership & Mindset expert who builds leadership capability to enhance the culture and productivity of organizations. He is also an engaging and inspirational speaker delivering keynotes and facilitation on leadership and mindset for events, conferences and organizations. Paul previously worked in the financial industry for over twenty years developing leaders in such companies as Lloyds Bank and MBNA. Paul has published three books on mindset with the latest being his best-selling 'Reframe Your Mindset: Redefine Your Success'.

After 49 Episodes, Mike and Larry get the chance to describe the F.I.R.E. movement and what it means to be financially independent.  They help you figure out your why of F.I. This is a must listen episode. Show transcription: Episode 29 Financial Independence, Retire Early.mp3   [00:00:00] Welcome to the Real Estate Marathon podcast. Your Guide in the Race to Financial Freedom. The Real Estate Investing and Sound Financial Practices. This podcast is for anyone interested in learning more about real estate, investing, personal finances and a new take on traditional retirement. Now here are your host, Larry B0 and Mike Moe.    [00:00:24] What's going on, everybody? Welcome to the Real Estate Marathon podcast. Your guide on the race to financial freedom through real estate investing in sound financial practices. My name is Mike Bell, one of the hosts of the show joined today, as always, Mr. Fisher.    [00:00:39] I'm doing well, Mike. I'm doing very well tonight.    [00:00:41] I know that you're extremely excited because this is an episode that you've been looking forward to for about forty nine episodes, I would think.    [00:00:50] Yes, I am super pumped for this episode. So what are we going to be talking about today, Mike? Well, man, after 50 plus episodes or so, we are finally going to dove deep into the financial independence. What is it? What does it mean? How do you get there? You know, when we started this, you know, we talked about, you know, obviously the name is a real estate marathon podcast for a reason. But when we started this, we talked a lot about, you know, having this be a really good blend of real estate investing and personal finance topics. You know, I think we've we've done a decent job, you know, going over the credit scores, going over a lot of that, you know, setting that strong financials, you know, foundation that we talk about and we delve deep into, you know, a handful of topics around real estate. And now after like I said, after almost 50 plus episodes, we're going to dove deep into financial independence.    [00:01:43] What it means, you know, we're doing five, one on one. So finding independence is one of the posts you put earlier in the podcast on social media was your Wi-Fi.    Larry [00:01:54] Yeah, I like that. And everybody has to have a reason for why they want financial independence. And once you discover that reason, it gives you the motivation to pursue it actively.    Larry [00:02:04] And that's what we're here to do. We're going to define it. And really deep dove into it. So I am surprised you can even sleep last night. We absolutely did.    [00:02:14] I'm omgpop man, and I'm glad we're finally getting around to this. You know, and it's it's a subject that we've we've touched on or it's a term, I should say, that we've used in a ton of episodes.    [00:02:23] So I'm glad we're finally getting to it being given it's a given it the justice it deserves. You really kind of dove deep. So we're going to you know, we're we're going to cover the definition. Obviously, we're in a covered the history of, you know, fights. The basic principle is how did she do it and resources to us to explore more and dove deeper on your own. So it's it's going to be a good episode. And I'm fun. And it's the first time that you and I have gotten to a riff. You're on our own. You know, we've had a ton of interviews, last handful of episodes.    [00:02:50] We haven't that. We've had a solo Soad an hour. It's just us on a topic. So be good to get back to that as well.    [00:02:56] Yeah. Yeah, I enjoy that a lot because I think we we offer a lot of good information, a lot of good material to the listeners and it's great to have the interviewers.    [00:03:06] But one of the things I enjoy hearing the most is my own voice and they have not heard enough of it lately.    [00:03:14] I like hear my own joke. So we'll see if I can throw a few of those in here.    [00:03:17] Oh, yeah, yeah. I loved some bad jokes myself. So. Yes, well, you want to start with the warm up so we can get Guiteau limber and loose ready to run this marathon.    [00:03:27] Let's do it, man. And this is going to be a marathon. It's going to be a get up. So here it is.    [00:03:31] It is. We're talking about the fire movement and fire stands for financial independence.    [00:03:36] Retire early. And the fight the fire movement is essentially the goal of planning for financial independence. So you have the option to retire early or at any time you would like to.    [00:03:48] Yeah. Yeah. It sits exactly what we're talking about today. And, you know, some people get to it kind of thrown off by the R E on that term, you know.    [00:03:58] So people some people like just the they don't like to retire early. Sometimes they retire term gives kind of a negative connotation or you're just gonna be, you know, sitting on the beach and sipping mai tais, which isn't necessarily the case for most people who reach financial independence. But either way, it's exactly, exactly what we're talking about today.    [00:04:18] And I've been known to take some liberties with the army of fire. You know, it could be a financial independence. Retiring is excellent. You know, any any of that kind of thing. Real estate. You know, I take liberties. What it actually does mean the retire early.    [00:04:33] So you know what? Where do you want to start? You know, we're we get really deep dove into it. You want to cover some of the history. Maybe the basic principles of it.    [00:04:43] Well, you know, so let's just expand a little bit more on on fire. So there's a couple of different terms that it can be referred to on a pretty regular basis.    [00:04:51] So fire is probably one of the most common ones which you already defined as that financial independence. Retire early fi or F5, financial independence, financial freedom, the hundred percenters, which is basically means 100 percent of your expenses is covered by passive income. But essentially all these things mean that saying that all mean that you can hundred ten, 11 percent cover your living expenses is with the income that is coming in off your passive portfolio, a passive investments, whatever. Maybe whether it's real estate, whether it's stocks, bonds, whatever your investments is. They all mean the same thing that you made such a cover, your living expenses and your main expenses for life.    [00:05:33] And I'm actually in this position right now with my passive income portfolio, with being able to cover all my expenses.    [00:05:41] I could retire right now and and not lose any ground in my financial livelihood. I guess you could say and this is very freeing. It gives you options. And that's one of the things that people seek is freedom, freedom, freedom. And the FI gives you that freedom. And when we actually in the last few episodes, we've been talking a lot about the financial retirement number, and the number is in an age which we defined in one of the last episodes. It's just a number of how much how many dollars you need to have monthly coming in. So you don't have to work that eight to five or nine to five full time grind the rat race, if you will.    [00:06:24] Yeah. And there you're probably the prime example of why that already doesn't necessarily always apply. So you got that fi- and it's almost like financial independence work optional.    [00:06:33] You're still working. But tomorrow you don't have to. Like that's kind of the options that this gives you. You know, it's kind of like I said, I think a handful of times on this, you know, this this show, I got a you know, a nine-to-five today that they currently enjoy. And I get to do some on energy. And, you know, I'm not one of those people that hates their job day in and day out. Right. But, you know, in five years, I don't know what's going to happen in five years. I think I use this exact term before, you know, my boss could come to me tomorrow and say, you're scrubbing toilets for the next week. You know, obviously in I.T. this could happen, but they could. And I you know, not being at financial independence, what do I do? I guess Guptill is right because I'm dependent on that paycheck right now. So financial independence work optional. You don't have to retire. You don't have to stop working. You don't have to go sit on the beach. But it gives you options. You know, I'm talking to one of these young guys at one of these investment events. The handful of months ago. And he kind of said the same thing is like, I love my job. So why do I care about financial independence?    [00:07:34] Don't care about, you know, that whole movement. It's like, man, things change real quick. And, you know, I think we're in a position right now currently in our current situation that we got going on here, mid 20s, Tony, where a lot of people would be better off. Have they had some, you know, passive income coming in?    [00:07:51] Yeah. Yeah. And you bring up a good point where we are with my my financial independence is it is work optional. And part of the reason, you know, people are saying, why?    [00:08:02] Why should I care about financial independence? I enjoy my 9 to 5. Well, financial independence. What that allows you to do it. It allows you to build wealth twice as fast, because if you've got dual income, you've got the the portfolio income, which is equal to or higher than what your regular paycheck is. And then you got that weekly paycheck coming in. You can actually get to, well, wealthy. You're rich even faster if you take that money and use it is as in investments or however you choose to use it. We choose real estate. But if you have that financial independence. No. On top of your regular income, that's just it's brings a lot of a lot of wealth to bear at your situation.    [00:08:49] So, yeah, it it's it's just a numbers game and it's just taken the numbers and extrapolating. I know, you know, I used to always hear, you know, one of the best things to do was, you know, you know, if you're married, you get two incomes. You should save 100 percent of one person's income and just live off the other one.    [00:09:04] Well, in essence, if you are five or if you build up a portfolio of, you know, whether it be rentals or whether it be stocks or bonds, that provides you enough pass, it could provide, you know, passive income to live on. Well, essentially, you have two incomes. You're just one hundred cent investing one and then you're living off the other. So it's almost doing the same thing, but better because you're building this investment portfolio.    [00:09:26] Yeah. Yeah. And like you said, if if my boss came to me today and said you've got a you've got to clean those toilets, I have the option of saying I really decided I didn't want to do that today.    [00:09:37] Yeah, that's. We'll get to that in the basic principles of fi. That's what we like to lovingly referred to as F-U money.    [00:09:44] F-U money, the toilet principle. And I'm still reeling over you quoting your own term, that thewall Wauchula theWall Financial. Linda Pence's financial independence work optional.    [00:09:56] I like Eminem. Yeah. His trademark that themwho coined to fuel this is a new thewall movement. There's some other other variations of FYE that I want to touch on real quick.    [00:10:08] And that's fact fire and lehne fire. And essentially these are just the, you know, lean fire is you have enough passive income coming in to cover your basic basic basic living expenses. So you can eat. You can. You could. Your mortgage, but you're not living the life you want to. It's not like you're going oh, it's not like you're traveling. You're not living the life even that you're living. Right now, you would have to make some significant cutbacks. But you wouldn't make it right. So that's lean fire. That fire is kind of the opposite. That where it's, you know, you have more than enough to do it. You know, I wouldn't say extravagantly, but you can travel. You can, you know, live above your means that you're even doing now. I'm completely on your passive income. So I moved in last year living large. Right. So I thought fire.    [00:10:53] Fire. I like it. That's that's the way to be. Get enough of that passive income. And there's not really much you you don't necessarily have to live large way. You could if the if the mood struck you.    [00:11:05] Yeah. Exactly. There's a kid. You can take trips or travel or you know, do whatever you wherever you may be. But you're not you're not living like pinching pennies.    [00:11:14] Right.    [00:11:14] So these are as you see with the pictures of the Lamborghinis and the private jets out there, they're definitely fat firing that straight away.    [00:11:21] And it's straight wealth, man. That's that's wealthy for sure. But yeah.    [00:11:26] So we actually move on or you want to dove in and anything else on those, you know, the FatFighters, when I think I think a lot of people are trying to get to the lean fire is when you first achieve financial independence, you have lean fire.    [00:11:40] You don't necessarily have to retire. But you can. And just get by. But like you said, that fat fires, what dual income that I'm working towards right now is.    [00:11:50] Yeah. Yes. But I'll give you a I guess I'll give you an example right now. So, you know, if you're somebody who on a regular day to day basis is living off about, say, let's say six grand a month and you take a look at all your expenses and you realize you can cut out, you know, you can cut your grocery bill, you cut gas down if you know, if you had to.    [00:12:08] And then you could you could live at, say, forty two hundred bucks a month. Your lean fire would be forty two hundred bucks a month. I mean, you could live. You could pay your bills. You wouldn't be you know, you wouldn't be going hungry, yoga, losing your house or going bankrupt.    [00:12:20] So it's very nice in that same example. You know, let's say 10 grand a month. Is that advice? You know, it's well, but beyond that, you know, that six grand that you're accustomed to, you can splurge a little bit on travel alert. You know, what have you per month and you're good to go there.    [00:12:37] And the fat fire, my goal, just so everybody knows, is that taken that month or two off and just just traveling for an entire couple months, you know, that's serious.    [00:12:47] Well, my hope is that fires.    [00:12:50] But we got to go. We've got to get a handful of these people. Oh, there's so many people that take these many retirements that I've listened to where, you know, that worked for three or five years.    [00:12:59] And they'll take six months out because they can because it built this this this machine. And that is their portfolio that can that can, you know, sustain them for more than six months.    [00:13:11] But they'll just do that as a mini retirement so they don't wait until they're, you know, fifty or fifty five years old. And you only need to wait till you're fully, you know, that fire. You can just do it. If you have a if you union fire and you have a little bit of an essay that you're comfortable with it, you take them in your retirement and MBNA.    [00:13:27] Yeah. And one of the terms and I think it was Jack Bosch on his episode said, was that forever cash? You know, it's an excellent concept. I love that forever cash flow out, you know. So you want to jump into the history and file. But where did the word that term get coined?    [00:13:45] Yeah. And we weren't willing to spend too much time here, man. But it did start better. It is known to have started right around in the mid 80s by a couple, Vicki, Robin and Joe Domínguez. They wrote a book.    [00:13:57] They wrote a book, not a bike, pirates' and bikes, but they wrote a book called Your Money Your Life. And the core concepts of this book is that most people go through life unknowingly trading their time for money. So essentially, you guys, everybody, most of the people here, they show up at a job every day and you spend eight, nine, 10 hours at that job and you're essentially trading now or you realize for certain things in your life. Basically, it's a trade off, right?    [00:14:24] Yeah. Yeah. And that's I mean, a lot of people when they and this is how I run my finances, you actually think to yourself when when you're looking to splurge on something or you're trying to decide whether something is in need or want.    [00:14:38] I generally calculate how much time I would have to spend to make the money to pay for that.    [00:14:45] So which is it? That's a great thing to do, man, because when you look at it like that, when you kind of put that that on its head as far as well that 400 at our and that's easy.    [00:14:54] I can I can handle that. I can make those payments. But when you kind of put that on its head and say, well, how many hours your life are you trading for that hour payment, well, then it kind of becomes real. There's a little bit more personal. And I wrote an example here and see if I can get it straight. This is a week or so ago. But so if you think about that 400 car payment, which is not I mean, that's pretty average for people these days, I'd say maybe that's even a little bit on the low end. But 400 bucks a month is your car. If been making bread around the national average of $50000 a year, you know, after taxes, you always gotta come. You know, factory taxes, because when you think about it, you make 50 grand a year. Sure. But you are paying in taxes and all that money. And then when you are buying something like this car, you're also paying taxes on it. So how much you truly walking away with? So let's say after taxes, you are going to forty three hundred bucks a year. So a 40 hour work week say that you work out of 40 hour work week, you're averaging 20 bucks an hour or twenty dollars and 70 cents an hour you're walking away with. It would take you 19 hours. Nineteen point three hours a month to trade for that car. So essentially, you think you work Monday, Tuesday and half of Wednesday and the first week of every month. That is your time that you traded for that car. And when you think about it like that, especially when you start thinking about, you know, this mortgage payment of two, three, four, five thousand dollars a month, you're trading how many hours or weeks or days year your life for that essentially every month. And when it adds up, you want to make sure that you're trading your time for things that actually mattered and helps put things in perspective a little bit.    [00:16:29] It does. It does. In one of the things I kind of throw a little bit of a subjective part of that as well. You know, I look at it like, do I buy a car that gives me nineteen point three, two hours worth of enjoyment for that?    [00:16:43] Because it's it's a input output kind of thing. So I'm putting my nineteen point three, two hours. But if I get 50 hours worth of enjoyment on my will, say like a Corbat or whatever I decided to buy, it becomes worth it. But if if you're buying, you know, I don't know what kind of little tiny, you know, card doesn't go very fast and you get maybe an hour and a half of enjoyment. And it's just for getting you back and forth to work. Then, you know, it might not be a tradeoff, but you definitely do need a car.    [00:17:16] So, yeah. But so you bring up a good point that in the whole I think the whole reasoning behind looking at it like this is it's looking at what am I spending money on? And does it truly bring value to be it like I am not a frugal person. So that's why I went at a time when we talk about budgeting, when we talk about debt. Like I see those cars. I'm like, yeah, I want that. So, like, I have to look at that and say, does that. Is that worth trading my time for it? And some of it does splurging on those nice things. It's worth it to me. And some of it isn't. And that's that's why looking at it and taking a true look at your expenses and you're spending. I was able to cut a bunch of expenses just by, you know, in hindsight thinking of how much value I got out of those expenses and shift those into the things that I actually got value. I think that's the power I find that really makes you look at where's your money going and does it align with your values and what you find beneficial and you like you enjoy, you know, getting time and spending time on those things that you spend your money on.    [00:18:17] And I think this is a good time for the credit score. KING To jump on a different side note, you know that that example you had would cost you nineteen point three, two hours a month.    [00:18:28] Imagine if you had like a four hundred credit score that could number could easily jump to 30 hours or 30 hours a month and you're paying more for your credit. So, you know, the higher your credit score, the lower the amount of hours that you have to cover purchases. So, yeah.    [00:18:46] And you know what I like about the credit score. And you know that I don't like the credit score very much. But I do like the credit score.    [00:18:52] The fact that you can you can maintain and you can you can get a good credit score without spending a lot of money. Like I always feel people and you know, you've heard my complaints about the credit score that I don't think it's a very good indication of how financial savvy you charge because you're able to borrow a bunch of money and pay it back. And that doesn't mean you're good with your money, but you can do it without spending money. And you can you can build that up without going and racking it into debt. Like like we talked about, you can get a credit card and you can put your you know, if you're smart about it, you can just put your next year and your money that you would have spent anyways on that card to get those points into build up that credit and not go into more debt than you weren't expecting to. Yeah.    [00:19:35] And that's definitely another benefit. So but it looks like you have listed a few few different resources to help people deal with FI. I mean, the first one you've got listed here is the Mr. Money Mustache Blog 2011 net. Yeah. Yeah.    [00:19:51] So we went we went a little off track of the history. You know, it started with Vicki Robin and Joe Dominguez with that book, Your Money, Your Life. And then it really exploded. 2011/2012 with with the blog that you you mentioned, Mr. Money Mustache. It's a lot of people's kind of first foray into, you know, financial independence or what it might actually mean to, you know, go this unconventional route and be able to retire early. So there's an article that was one of his most famous one that's called The Shockingly Simple Math Behind Early Retirement, which we linked to here and we can link to in the show notes. It breaks down in a unbelievably easy way to understand how you can retire at 30, at 35, at 40 if you truly want to. It kind of breaks down that it is just a numbers game and makes it super easy for people to comprehend.    [00:20:45] Retirement just. Well, math problem. And yeah, you know, math and realize it tells you exactly what you need how to get there.    [00:20:53] And once you get there, the numbers work out. It's it's glorious. People lie.    [00:20:58] Numbers don't lie.    [00:21:01] That's how it goes. So, yeah.    [00:21:03] If you guys haven't heard Mr. Money Mustache, you know, he bragged he was one of the really the pioneers of bringing, you know, the financial independence, financial freedom fighter or whatever the heck you want to call it to a little bit more of a mainstream with his blog. And then there's a handful of other ones that choose F choose F, I guess, which is phenomenal podcasts. They also got a book I A Blueprint to Financial Independence. Remember correctly. And then the bigger pockets, money, podcasts. All of these are really the core players in the financial independence education sector. I would say, you know, out there and have done a ton of bringing all these principles and these concepts to the mainstream.    [00:21:44] Yeah. And the nice thing about all these blogs and podcasts is they basically put a put a term and a face on what I was already doing.    [00:21:54] It took me 15 years to get to the point where I was financially secure and and had my credit score and everything fixed. And I started listening to these guys. I'm like, you know, why are you do that? And I didn't realize there was a rule to cover it.    [00:22:08] This is what, you know, you'll be even before where obviously this guy really popular in 2011, 2012 started to take off. You know, obviously there are people doing it and practicing this. But I think what you know, what that goes to say is there are still ways that you can even improve even further. There's not a lot of these are just minor, minor tweaks that over the long run really, really, really make a difference to these different like tax strategies that these different savings tactics and things like air investment strategies that really they seem I knew in the in the in the real time here, but, you know, expand that over a five or seven or eight year investing term. And the numbers show how much of a difference this can make. And it is really tactical ways about going about your finances.    [00:22:59] And once you start getting getting a handle on everything, it generally falls into place. You have to you have to get this stuff set the the basics before you can run, you know, when and where you can run.    [00:23:12] Yeah, 100 percent.    [00:23:13] And there is there's almost these different levels of as you kind of dove down into the financial independence rabbit hole, there's these different levels of, I guess, educate educators and a levels of education. So if you think about, you know, Dave Ramsey is one that I know a lot of people mention in is a is one that I started out with. You know, I started out listening to it. You know, it kind of led me to the next one, the next one to the next one. And Dave Ramsey, you'll see a lot of people in the financial independence community, starting with Dave Ramsey. He's got super good principles. He teaches a lot of the basic money concepts. But when you look at it, some of it is just too black-And-White. Like he's got this like, you know, you hate debt. Right. Like, he just absolutely can can't stand debt and says you shouldn't buy real estate unless unless you can buy a cash, which I mean, and leverage is one of the amazing tools of real estate and amazing tools and investments if done right. So I think you'll find people start with like the Dave Ramsey or some of the other basics and then graduate once they learn those. They kind of. They graduate to some other concepts of different educators and the financial independence world.    [00:24:25] Now, I see Dave Ramsey as being the person that gives you a healthy respect for the power that the negative aspects of debt. And then once you learn to have a healthy respect for debt and you use it wisely, then a debt can be a huge tool in your tool belt.    [00:24:41] Yeah. And let's be honest, like you think about like you listen to the Dave Ramsey podcast and you listen to the people that call in. You know, he's got these millionaires that call in and it'll work.    [00:24:51] If you want to. And believe me, I was on this train at first. You know, when I when I started listening to this and when I started getting into this movement, you know, worked twenty five years and spend your super frugal and don't spend a lot of money and save as much as you can into mutual funds. And in twenty five years, you'll be a millionaire.    [00:25:09] That will work. One hundred percent that will work. The problem is, I don't want to do it in twenty five years. I don't want to do it in like five years. So there are others tactics and other strategies for it. You know, those goals. So it all comes back to that. So it's a it's a good start. But then I think people kind of graduate from there.    [00:25:27] Yeah. Twenty five years is a very long time to get to be a millionaire. Bye bye. Yeah. Scrimping and saving pennies and things.    [00:25:35] Yeah. And it's like I don't want to pinch pennies or twenty five years.    [00:25:38] I just want to do the same page with that, Mike. You know, it's a lot of things I don't want to work for sixty five years. For ten years of fun before. That it has a way.    [00:25:48] So that's why we're here trying to help as many people as we can to get that. Get the heck. Yeah. 25 year millionaire do it.    [00:25:56] I mean, there's studies. I mean, obviously. So a lot of the financial independence blogs, podcasts, things like that. It all depends on your savings rate, which we'll talk about in a little bit here. But there are case studies, people doing it in two or three years as case studies of people doing it in nine or 10 years. I think on average, people can get to this five point anywhere from five to 10 years, depending on how much you make, depending on your savings rate and really depending on how crazy are about it. You know, some people don't mind being super, super frugal and cutting back down to the bare bone and saving, you know, 60 percent, 70 percent or 80 percent of income. Other people, you know, totally cool will do 20, 30 percent and just add a couple years under, you know, the time it take you to get there. And either approach is fine. It's just kind of what fits you type thing.    [00:26:43] I tell everybody, you took me forty nine years to get to financial independence. It was forty seven years of trial and error. And I wasn't doing that correctly.    [00:26:53] Yeah.    [00:26:53] And so if you can take that and if you can use some of that education that's out there, you know, just so much education out there, you might go to cut down that learning curve more.    [00:27:04] Yeah. I'm hoping to condense my forty seven years of trial and error and help these folks in in listening to the podcast do it in a couple years, so.    [00:27:12] Oh, my gosh. Yeah. Man, you. Yeah. I can't even tell you how many resources are out there, podcasts and books. And, you know, obviously that's that can be an issue, too, because it's almost overwhelming how much stuff is out there.    [00:27:25] And it's just it's like it's just like the health industry and some of the stuff contradict each other. Some of the you know, this this guru says X and Scooter says Y. And there's really no easy way to navigate that other than you've got a headache. Go out there and explore and take what works for you and discard the rest and keep keep going and figure out what works for you.    [00:27:45] So, you know, and you guys are all listening to my favorite podcast resource. So keep that up with that.    [00:27:54] The real estate marathon is my favorite resource. That's right. It's a dad joke. So a lot of people miss him.    [00:28:05] So you can jump into the basic five principles and rules of thumb.    [00:28:09] Yeah. Let's do it.    [00:28:10] So the 4 percent rule, the 4 percent rule is essentially you need a hammer. So essentially you 4 percent of your nest egg you can live on essentially forever. So if you have a million dollars, you take out 4 percent of that. That's what, $40000. Right. So you could essentially take out four percent of that million dollars. And there is a 97 percent chance, likelihood that that principle will last or that that nest egg will last forever. It's based on what the called the Trinity studies, which is this massive study of basically of what you can take out and with based on the returns in the whole other factors, the likelihood of it lasting forever, essentially. You never having it touch that principle. So based on that, the four percent rule, it's kind of been this rule of thumb being, you know, once you reach that's that 4 percent rule, you're essentially for. So my expenses are $40000 a year or, you know, adjusted for taxes. Then you're a little over a million dollars nest egg. If I'm doing stocks or bonds or whatever that it's that stock portfolio, then that would be your number.    [00:29:22] Yeah. And as everybody knows, it's one of the one of the fears of people that they're they're going to outlive their money. And that's not a good retirement. If you end up having enough money to cover five years and you live, you know, twenty five years of retirement, you're you're broke in five years. Then what do you do?    [00:29:40] Yeah. Right. Yep. The other way to do it is just take your expenses that you need. So if you need $40000 a year to live. Times it by twenty five. It's the same thing, but it's just like anything. It's a rule of thumb. So it does not. You know, there are there are more conservative folks out there who might who would say it's probably more like three and a half percent and would also say that it largely depends on what happens in the market. The first handful of years, if you were Tirina, because you you know, if you're a tired day one and you start drying on your portfolio in the market immediately takes a dove, say 20 percent, I don't know. Like it just didn't stop 25 percent, then that way you can't take that 4 percent off that original balance. You have to then adjust for what the principle is. Sorry. What's your your total portfolio is and take 4 percent off that new. Right. Right. So in sequence return risk essentially is what they refer to. That is what it is a good rule of thumb, at least while you're traveling on the road to fi and as you're trying to. The goal to shoot for is that 4 percent rule.    [00:30:49] Yep, yep. And then the next thing you've got there is the savings rate. Now, that's the amount of savings that you need to retire. Financial independence, is that what that means?    [00:31:00] No, it's it's essentially. What percentage of your income are you saving today? So if you're making said one hundred thousand dollars a year and you're saving ten thousand dollars a year, whether it be to invest in stocks or to invest in real estate, you know, your savings rate is 10 percent.    [00:31:17] We've talked on the show a few times where we think, you know, in normal in a society, you hear about somebody saving 10 percent of their income and they get that boy.    [00:31:26] And everybody is super pumped in the firewall world. You know, it's more like 40 or 50 percent. It is usually the average. People are saving upwards of 40, 50, 60, sometimes 70, 80 percent of their income just in investing that tire on it that they're saving and then just living on that 10 or 20 or 30 percent of their income. You know, that's a little bit extreme depending on how much money you make. But I think 50 percent is kind of that that nice balance, at least in my my perspective.    [00:31:55] To get to from a savings rate on the savings rate, like you said, if you can save 50 percent.    [00:32:00] That's where for me personally with the portfolio, that's where my portfolio comes in because I make as much in my portfolios as my wife and I do working full time. So we we live off of our full time income and then basically save 50 percent of our income, which is the portfolio income. We put that right in the savings. So that's going to help effectively get us to being millionaire status a lot sooner.    [00:32:25] So you're essentially saving a 100 percent and you're able to 100 percent of your working income. You were able to save because of that, because of that rental income that you had coming in.    [00:32:36] Yeah. And then once we get to a level where we can invest even more into another expanding their portfolio, another duplex or try to flekser multifamily, then that just keeps increasing the amount. So at some point we're going to be saving 200 percent of our of our income.    [00:32:54] Yeah. Yeah, exactly. And definitely powerful, powerful, powerful thing.    [00:32:59] Now, what's this next item on their mind? Inefficiencies in taxes, spending and investments wasn't necessarily like a rule of thumb.    [00:33:07] This is more of a kind of a general guiding principle.    [00:33:10] You know, when you get into it, like I said with earlier, with the Dave Ramsey is the world has got really super good basic basic financial literacy. Right. That's the foundation. And then financial the five principles, the fire principles typically are a level up from that.    [00:33:29] And they they a lot of times all kinds of shit like that on those minor, minor efficiency's that really make a big difference in the end. A lot of my around taxes.    [00:33:39] So how can you max out your tax tax deferred savings, things like your phone fallen case, things like HSA or MAX, maximize tax benefits, do things like real estate.    [00:33:51] And then on the I guess on the withdrawal, you know, maximizing your tax burden by doing things like Rothenberg's and Ladders. You make it backdoor Roth contributions and things like that.    [00:34:03] Now, these are kind of more advanced financial principles that you can look into and get details on, but it really comes down to expanding or making those those improvements on the margins. So, you know, you got your basics and then fight typically goes above and beyond. And it makes those minor adjustments, like you said, seem minor, but make a huge difference in the this category.    [00:34:28] Here is it reminds me of the saying that somebody I heard a long time ago and I don't remember where I heard it's from.    [00:34:34] Are we going to I'm probably gonna busher. It might have been Robert Kiyosaki and rich dad. Poor dad. But he said it's not about how much money you make, it's about how much money you keep. Yeah, and that actually plays right into the efficiency's in tax. And his taxes and spending because you you actually if you can reduce your spending and reduce your tax burden, you're going to be able to keep more of your money regardless of how much money you make. You can use that to get to be millionaire status or even, you know, even if you're just shooting for fi doesn't necessarily have to be millionaire status. But you know that personally is what I'm shooting for.    [00:35:08] Yeah. I mean, when you eat it makes it so, so worth it to dove into this and figure out how you can how you can truly make get the most bang for your buck. You know, somebody wants that. And again, it's kind of the same thing you just said as a quote there somewhere. I can't remember who said as I apologize, I'm not giving credit.    [00:35:25] But there's one line in the tax code that says you have to pay taxes on all your income. And then there's like thirty thousand lines in the tax code that gives you loopholes to not pay taxes on your income. So, you know, you say what you will about the wealth, the avoiding taxes, but they use the tax code to their benefit.    [00:35:43] You know, if you could do the same. Should so figure out where you can save or where you can reduce your tax burden. Get yourself educated so you can you can get your goals a lot faster and keep more of your money that you make.    [00:35:57] Yeah. Yeah, that's and that's actually a very powerful thing. Thirty thousand versus 1. So. Yeah, and how but when.    [00:36:03] And that's only one thing that says you got to pay out pay taxes.    [00:36:07] Every other line in the tax code is loopholes on how to not pay taxes. So why the heck once you take advantage of that as a real estate man, as you and I know the tax the tax benefits from owning real estate. Q Huge, huge. You know, there's there's doctors and lawyers who dumped some money into real estate, you know, not even caring about the performance just because it can completely simply wipe out a lot of their tax liability and all the income limit.    [00:36:33] So, yeah. And if you it's hard to tax season, you're now investing in real estate, right?    [00:36:40] Yeah. I don't look forward to tax season because of the paperwork, but I do. I'm with you.    [00:36:44] I'm a numbers guy. I'll sit there all day and add my wealth.    [00:36:48] That's probably a whole another whole topic around. Don't wait until last minute to do your tax paperwork, your expenses for your business and stuff like like I sometimes might have said that 48 hour I called the 48 hour tax marathon that you don't really know of.    [00:37:05] All right. Now, I'm curious, this one I I've heard the term before, but I've never really delved too far into it. What exactly are you meaning by stealth wealth, stealth wealth, mail.    [00:37:16] This is a millionaire next door and this is it. This is those people who can essentially buy your Tesla with cash if they wanted to. But don't they choose? Not that they choose to drive a five or six year old Camry or Kearl or whatever, you know, whatever your car choices. But the point is, is that they could spend a ton of money. And they're very, very wealthy, but they don't because they spend money on what they value and because they they've been able to get their wealth by not spending things on flashy things that don't make sense. So the stealth wealth community is one that that is they're they're interesting bunch, but essentially they're bunch of millionaires. You don't look like millionaires. They look like your average person who looks like your average working class person.    [00:38:00] So these are the folks that you see every now and then.    [00:38:03] You read an article about it where people say they were surprised that they were able to leave a 10 million dollar endowment fund to their college. Right. You know, they passed away. They left all this money and everybody's like they were just normal people. They cut coupons and they did, you know, they did whatever they had to do. And nobody knew that they were millionaires.    [00:38:22] Yeah. Yep, exactly. And I got to I mean, I got a I won't say I'm might with this camp, like I completely understand and respect the selfless community in a. Who's the guy who is a millionaire next door. Can't remember the name of that book. Yeah. Cameron. It's because I'm. I know I like my Teslas. I like my flashy stuff. But no, it's it's totally it's definitely a movement out there in a community out there that is very proud of what they do and the more power to them.    [00:38:53] And I clearly like my camper and my Corvette that I'm looking to try and have fun. Let me buy.    [00:39:00] Yeah, but it's the spending money on what makes it what makes you happy. It will make sense for you.    [00:39:05] Yeah. Well, and I was telling somebody that I'm trying to talk my way for.    [00:39:09] No, let me get a Corvette. Nice. We were playing a chess game of this, trying to get this Corvette out of the dealership and you'd be surprised if you start beating your wife in a chess game of getting the Corvette dealership, how quickly it turns into hardball playing hardball.    [00:39:25] So it was a firm. No, after that. So what you got to do, man, you just need to buy a pickup, one more property and half your tenants pay for your Corvette. One of the that thing and like five, six, seven hundred bucks a month, all you gotta do is find a couple of properties, a cash flow that ammo and go right there.    [00:39:42] I actually already I already started with that argument, had the properties all picked out and everything so nice to the network. But that's that my friend is is that is a principle.    [00:39:55] It wasn't a key Sakhi thing was that we're okay. So essentially have your your assets paid for your liabilities. Huge. Huge. Basic principle of investing. Right. So if you base if you want that Corvette, don't go work your 9 to 5 and use your your after tax dollars to buy that Corvette. And B car poor essentially. Right. Go buy an asset that pays you that amount of money and then that funds your fund, that buys your Corvette. You know what happens when that Corvette is paid off in five years? Your assets still paying you money and you still have that.    [00:40:33] So you go from having a Corvette bought for you to get in the race. Exactly. Or something else. Gomez, I got something else in mind. Let's say your assets paid for your liabilities when I had never. Have a lack of imagination. So I think of it. You. And the next term, they're the next principal, the F-U money. It's my fast favorite f you money, financial university money.    [00:41:00] That's why they say using your son. No, we won't. Because we we check that little box that says we're, you know, a clean, family friendly episode for our right as listeners. We want one explain this one too much and do so. But this is kind of the point before Lehne Fi that you have if enough money where if that boss comes in and says, look, you scrubbing toilets for the next six months because a sorry, that doesn't work for me. What a it changes the game. It changes the perspective that you can.    [00:41:28] You're in a position of power.    [00:41:29] You know, there's so many people who have written about this and about how they've enabled to, you know, after they got into this step, may have had the courage to go negotiate with their employer for a better work life balance or for more money for a better position, because just worried about where the employer says yesterday. Because you have that money that you can say, well, you know, that doesn't work for me. I respectfully decline and see you later because you have that money, whether it's six to eight to nine months expenses or, you know, the exact dollar amount is all personal. But it's whatever that that amount of money that you feel comfortable living off of for space with, you don't have a job.    [00:42:07] Yeah. I call this the forget your money because you get you and your money. Because when I leave work, I'm going to forget all about you because I can afford to live a mile.    [00:42:18] This is the type of money in the situations that we are in right now.    [00:42:22] Like I said, we're recording this March, April 20, when you get this little thing called COBRA 19 going on right now. And it's causing a lot of anxiety with people like we've talked about before, a lot of people don't have that for on their books that that stat that they say, you know, most Americans can't take a $400 expense without diving into credit or, you know, dip in it, you know, borrowing the money. What happens right now when hundreds and hundreds of millions of people are getting laid off from their job are now uncertain? You know, this isn't necessarily the F you money, but that same type of money that concept comes in where, you know, if you lose your job, can you survive for six, eight months with expenses? You have that rainy day fund built up. And I think, you know, I hope, you know, people who don't use this as an opportunity to realize how important it is and how much much stress that could take off. Yeah.    [00:43:16] Yeah. And it's times like this when I'm I'm glad we're able to save one hundred percent of our income through the portfolio, because that's just. Money will fall back on. So I can sit here and talk to you with the podcast without worrying. Yeah.    [00:43:32] Yeah. It's. That's that's a rare situation to be in.    [00:43:36] And I found I think it's a it's it's a good one man and I think this hopefully will well implore people to start looking at their finances and start looking at some alternative options, you know, saving the 10 percent. We'll get you there in 30 years, probably.    [00:43:52] But, you know, you really got to make some more aggressive moves in order to to get there any sooner. Really? To to put yourself in a better spot.    [00:44:01] Yeah. Well, next is the burning question that I have for you, Mike. How do you cheat, achieve my financial independence? How do you go about doing that?    [00:44:10] Well, this is kind of a loaded question, because it's it's it's a little tongue in cheek because it's kind of like, how do you be successful? There's a, I don't know, a million different ways that you could you could chuck an answer out for that. There's probably gonna be new ways invented every day and height, yet there is kind of the same thing as five, but the basics of fi are the same, which I think we've covered a couple times on this on this show in various episodes. Here's what you spend, you know, whatever you spend, and then here's what you make, whatever you makes it take, whatever you make, minus what you spend. And the point is, Tate, that needs to be as big as a number as possible and wisely invest the difference. So if I make $5000 a month and I spend $3000 a month, I get two thousand dollars surplus that I can invest in wisely with over a long period of time. The point is, the fastest way to achieve high is widening that gap, lowering those expenses, increasing that income, whichever you want to focus on, both want to focus on one either way, widening that gap and then wisely investing that difference over time consistently. So maybe you get A's and you go up to seven grand a month and maybe cut your expenses back a little bit more. But on twenty five months, it's just widening that gap and being smart with the difference.    [00:45:31] Yeah. And it's it's not rocket science. It's just a math problem. Yeah. You want to get there? The solution would be the biggest number you can and it's a subtraction problem.    [00:45:41] So you want the left side of it to be as big as possible. And the. Right side of it to be as little as possible.    [00:45:47] Yeah. And you know, it's comes down to it's not not sexy. There's a thousand different ways to do it. I mean, you could literally do that and just throw it in stocks that, you know, index funds, whatever you may.    [00:45:57] And you'll get there, you know, in the past. And the more you save the bad, you'll get there. You could put it in real estate and you can, in some people's opinion, get there faster. Like like what we think. But it's just making that that gap as big as possible and then investing in that that the difference. Wisely and then taking advantage of the margins or taking advantage of your tax.    [00:46:18] You're you're more strategic tax. Either ways to go about reducing your tax burden in reducing your fees on your at your best friend strategy and things like that. It's a bunch of different ways that you can you can kind of optimize at the margins, as I say, with with some of those more those higher rate, not higher those more advanced strategies.    [00:46:43] Yeah. Your your tax strategy planning is something that you really need to look at probably before you need it.    [00:46:53] I mean, you should start planning way early because if you get to tax season and you think to yourself, I could've used another three or four, ten thousand dollars and deductions all, it's too late at that point because every first or last years when you should have been planning that unless you're a corporation, then you may have may go a different calendar year.    [00:47:14] But for the most part, for you privately, the thirty first of December is the last time we get a chance to do it short of maybe investing in an I.R.A. and that's a..    [00:47:24] And even if you do it, it you know, even if you do it at the very end of the year, there's so much there's not as much as you can do.    [00:47:30] You want it like going to you with a really good tax strategists who will say, you know, throughout the year hear the different things, they should do it. Here's the investments you should do to reduce your tax burden. I guess taxes, I think there's a really daunting, early, intimidated people. And I know that I felt that same way when I started looking into it. But really, it's really amazing how you can use some of these strategies to reduce the taxes that you pay to you in the end.    [00:47:56] In the end of this, you know, especially some of these tax advantaged accounts that you can invest through. It's just it's really remarkable once you start diving into it.    [00:48:05] So as it is and I know investors that use their their portfolios to pay for every aspect of their life and a lot of it legally can be written off. You know, it's just the tax the tax advantages, real estate are just limitless.    [00:48:24] Yeah.    [00:48:24] And even if, you know, in real estate, you still want to be smart about your taxes and you still want to figure out, you know, what can you invest in that reduces your taxable income? What are different ways that you reduce your taxable income? So you're you're keeping most your money now.    [00:48:39] Now, if I want to learn more than then, just as a podcast, what do you think we should do? I notice you got a list of some books here.    [00:48:48] Do it. Yeah. And there is no shortage of them. And I I didn't even know.    [00:48:52] I almost didn't want to make the list because I mean, you're inevitably going to leave some of the big hitters and the key ones off. But I think it give us it makes sense to to the people at least some place to start if they want to dig in more. So, I mean, we've got a bunch on the list now. We've got Rich Dad poured out of it by Robert Kiyosaki, which I think is I mean, bar none. It is one of the biggest ones that always gets brought up. When you talk to people about, you know, what changed your mind would change your life, your financial trajectory.    [00:49:21] And a lot of people refer back to the rich dad for that book from Robert Kiyosaki.    [00:49:25] And that changed my life when I read it, because it makes you look at a different way, your finances. What exactly an asset is.    [00:49:34] He's defines assets a lot differently than we've been taught through school and through our parents. And it's definitely worth a read. And I've noticed like I bought twenty five thirty copies of Rich and Poor that they were they were on sale going on and I'll hand it out to people one. And the funny thing is I say it either resonates with you and you go and buy every one of his books and read read voraciously or you just don't get. You just don't like it or doesn't. Does that strike a chord with you? So, I mean, it's it's 50 50. You know, you can either be something that's going to change your life or you just go, what's the what's the all the hype about?    [00:50:13] And I think more often than not, people are all right. It's definitely on the former of those two because it's time and, you know, it's time tested. It's one of the most popular personal finance books ever written. When was it written? Early 90s. Maybe it's been off for lying is a long time and it's always been at the top of the list for personal finance. So it's definitely a time tested bestseller for sure. And then, you know, I'm going to skip around a little bit. Maybe a little maybe a little bit of a out there statement, but I think the rich and poor that of our generation is the book by Scott Trenchcoats set for your set for life.    [00:50:55] And this is one tenth of what you mentioned on buying 30 copies and given it out. I think this people need to buy these for any graduating senior from high school. Anybody graduate college? Any any young adult could benefit massively by the principles that are taught in this book. Set for life by a trash.    [00:51:17] Yeah, yeah, definitely. You know, your money or your life. Vicki, Robin and Joe, you you basically touched on that and started the fire more.    [00:51:26] My back in the 90s are back in the 80s, actually. So that was that was pre, you know, the kind of computer stuff we got going on now. Pre technology, man. No, everybody checks and everything back then.    [00:51:41] Yeah. Back in the ghetto there's the good old days.    [00:51:43] The good old days. You know we were riding around in horse and buggy easier, you know, the wagon trains.    [00:51:51] But you know and J.L. Collins with the simple path to wealth. And one of my personal favorites is The Honeybee by Jake Stand's Piano and Geno Barbaro. We yeah. Podcast episode with those guys on that. And it just touched on basically how to create the multiple streams of income, which is so powerful in the world today.    [00:52:13] Yeah. You know, I love this one because it breaks down these principles in such the easy way, easy to understand way. So it's that's the honeybee. Baiji extends the unknown. You know, Barbara, we didn't like you said, we didn't interview with a handful of episodes back. Memorable what episode number that was. Twenty, twenty, episode 20. About creating multiple streams of income. Yeah. Easy, easy. Read another one that should definitely be handed out set to anybody who is interested in learning more about this. Definitely be a life changer. So yeah.    [00:52:45] And then we've got some some blogs and some podcasts.    [00:52:49] Yeah. Yeah. We'll just run down the list is what is we're getting kind along here. But from a podcast perspective, you know, choose f I mean those guys do a phenomenal job of going over.    [00:53:00] I mean they're on a couple hundred episodes now, but you can go back all the way to the beginnings and listen to a lot of the basics around financial independence and kind of follow along with their journey. Mad faintest. This guy is, if you like, numbers. This is the dude to talk to. Here he writes some of these articles. It's a little bit harder to follow. I would say. But it is numbers, numbers, numbers. He is a guy who's reading these thirty thousand lines, the tax code, figuring out how to best take advantage of it. And it gives these case studies of how he's done a lot of the things he's talked about. So Mad Scientist is a good podcast and blog to talk about as well. Bigger pockets, money, I guess, is another good one. And then Dave Ramsey, MINIFY podcast. It's got a lot of really, really good basic financial literacy.    [00:53:47] Yeah. You know, I started reading the tax code, too. I think I'm on line five or seven, something like that. You get a little bit of it. Yeah. Well we take it in fits and spurts. So they go on the blogs. Mr. Money Mustache.    [00:54:05] I follow his blog, The Financial Samurai. Those. Yeah. Yeah. That's a great one. I love that one. And the physician on fire. That's. Yup. You know, they're all great blogs. They give you a ton of information. So you should check those out.    [00:54:20] And this is just a starting point. Like I said, it was I was debating on whether or not we'd make a list here because, you know, this so many people in the space right now.    [00:54:27] So many people in this area that inevitably leave some of the really, really good ones out. But, you know, you're linked to you jump from one to the other to the other to the other other end by timing. I mean, we are one that you've never heard of before. But Scott, you know, they all got good information out there now.    [00:54:45] Yeah. And the last thing we got there is our Wi-Fi. Mike, that's what motivates you and I.    [00:54:53] Yeah. I think this is important.    [00:54:55] Not necessarily that anybody cares about our Wi-Fi, but it's important to have Wi-Fi in it. It's kind of fun to say, but like, why do you want financial independence? Why do you want freedom? What do you do in it for a nine? If you if you have that, then these some of these concepts, these things that you had to sacrifice, because let's be honest, it be a lot easier. Just go rack up credit card debt and go, you know, go, you know, live the life you want. Go travel and go party and buy the fancy cars when you can't afford it versus waiting, you know, a handful years till you can. But see, if you're making similar sacrifices now, it's it's easier to do so if you have a Y.    [00:55:38] Yeah. Yeah. And like you said, there are options and freedom. That's one of the big ones.    [00:55:44] Seems to be a running theme options, man. It's literally all about options, like when his options ever been a bad thing.    [00:55:52] Never. Never.    [00:55:53] You know, it's, you know, no idea what's what's going to happen in five to seven or eight years or even two years. So like you options and you can kind of control more of it.    [00:56:04] I do know one instance where option too many options are a bad thing. Let's hear it. Starbucks. I mean, I love Starbucks, but come on. You know that. Let's go back to decaf and regular.    [00:56:17] No, man, I like my fancy coffee mcare. But coffee, though, you know, being from Minnesota. That's kind of my my my thing there. But you know, Amanda. Yeah. We posted a while back on Instagram.    [00:56:30] And we're like, what's your Wi-Fi? And, you know, I originally because it was what I was doing at the time, as you know, because books and a/c and the deck was, you know, shouldn't just be for Saturday ability to do that. You know, any day that week. Right. Is we want to spend more time with you. You know, the people in you know, the things that you love to do. So, yeah, you know, I never was.    [00:56:52] Well, I mean, that's that short of doing the call to action. You know, I got the cool down.    [00:56:58] You want to do kind of a quick recap and I do.    [00:57:03] Let's see if we can if we can recap this. We covered a lot. I think we're we're a little over an hour, you know, some outlets yourself.    [00:57:09] Arsalan, final good byes today. I literally cannot wrap it up with my options. Options are good.    [00:57:21] Let's call that action that way. Issue we get the Wi-Fi like figure out what's your Wi-Fi has made sure that.    [00:57:26] Yeah, it's well understood and well documented. Why you're traveling down this path. That is a little bit unconventional. It might might be a little bit more difficult in your in your daily life than your average life.    [00:57:41] And I think you should write it down and put it like on your bathroom mirror or some place you're gonna see it every single day. And remind yourself what you're working so hard.    [00:57:48] George, techie Asian apps to keep that front center. Now, so while that's everything I got, all I got in my moments, I wrap her up. Thank you, guys. We've seen another episode of the Real Estate Marathon podcast and we'll see you next time. Take care, guys.    [00:58:07] Thanks for listening to the Real Estate Marathon podcast. If you found value in any of the content from this show, consider supporting us in the following ways. Subscribe to the Real Estate Marathon podcast. Leave a rating and review. Continue the conversation with like minded individuals on social media by heading over to the real estate marathon podcast Facebook Group or follow us on Instagram and Twitter at Real Estate Marathon podcast. 

I always wanted to be a physiotherapist, to help others. Arthritis in my back stopped that, so whilst taking a ‘year out’, I trained as an IT Systems Programmer. I progressed into broader IT roles, then moved to a new credit card company, MBNA Europe. I took every opportunity presented (IT, Contact centres, Underwriting etc). When I left MBNA 16 years later, I was on the main Board and we were the largest issuer in Europe. I moved to Lloyds Banking Group and undertook a variety of leadership roles: Supporting 14,000 colleagues in Customer Operations, overseeing Bank of Scotland (Retail Bank) and, as CEO of Lloyds Bank Private Banking Ltd, leading a talented team of Wealth Advisors.I chose to conclude my executive career in 2018 to progress a portfolio of Non-Executive roles. I currently work with 3 organisations (Old Mutual Wealth Ltd, Leeds Building Society and GlobalData plc).Genuine people that lead with integrity inspire me. My key leadership tips would be: 1) Whether you think you can or you think you can’t, you’re right 2) Take every opportunity 3) Learn how to let go and stop ‘doing’.#InspiringLeadership #leadership #CEOs #MotivationalSpeaker #teamcoach #Boards See acast.com/privacy for privacy and opt-out information.

Adam Lawrence is genuinely one of my favourite people to talk shop with. He has a brilliant brain and has a fantastic balance of theory and how that theory behaves in reality from a holistic and granular level.He has a background in wealth management and sports betting businesses as well as a MBNA in Business.He has built up a residential portfolio from scratch which now has over 200 properties and despite being based in Birmingham his portfolio spans through Scotland, Wales and England. He has added an asset management arm to his business and is continuing to grow this side of his business through acquiring more lettings agents and he still made time to found a daytime property networking event that holds monthly events in Southampton, London, Bristol, Birmingham and Manchester. We discussed all the above in detail with an emphasis on;Managing risk, Managing business relationships, Understanding Reality vs what was expected, Scaling the business... And lots more. See acast.com/privacy for privacy and opt-out information.

This week for Kiss My Arts, Annaduff's Faye Hayden joins Breifne to discuss her upcoming publication 'Bedtime Stories for Mothers and Others' which launches next week. Having originally moved to the area from her native north Wales to take up a role in MBNA (now Avantcard) she settled in the Annaduff area where she lives with her husband and children. Having spent the last number of years dealing with her sons experience of autism, she established a blog and facebook page to share her experiences and over the last few years has developed this concept into her first book, named after her blog, which will be available online later this week.

101419 Podcast, Turkey, Syria, Fake Video, Fiona Hill, Gordon Sondland, MBNA, Biden, Ukraine

MBNA, JCB and the Concorde

Joe Biden announced his candidacy for president last week. You might imagine that in the age of Bernie Sanders and Liz Warren, with some of the leading Democrats talking up free college tuition, the abolition of student debt, Medicare For All raising the minimum wage and taxing wealthy individuals and moonwalking even a little away from support of apartheid Israel that another frankly pro-corporate candidate would enter the race somewhere near the bottom of the polls. That would be right. You’d be imagining that. In the real world, Joe Biden announced last week and the first three polls list him at the top of the field, leading Bernie Sanders by double digits, with everybody else in single digits. Ominously, in all three polls about half the voters favoring Biden are black voters. The obvious conclusion, supported by the fact that Biden’s first two campaign videos, are race themed, and the second one prominently includes Barack Obama, is that Biden’s popularity among black voters is a hangover from the blind and unconditional support those same voters gave to the Obama administration. In the case of Barack Obama the fumes were so strong that his actual record didn’t matter. Barack could bail out and immunize the banksters and the companies that manufactured fake paperwork to take hundreds of thousands of homes away from people, and support from his base did not waver. Barack could propose commissions to privatize social security, and rescue the insurance companies instead of delivering Medicare For All and his based still lined up behind him. Barack Obama’s “Race to the Top” program put more than 150,000 experienced black teachers out of work and closed thousands of public schools to make way for the privatization of education across the country, and black voters, including most of those former teachers, would have voted for him again. Biden was Obama’s vice president. But Biden is not Obama. Even if Obama openly endorses him at some point, Biden has his own record, and it’s that of a consistent corporate stooge. particularly of the real estate and banking industries, and as one of the architects of the mass incarceration state. Joe Biden didn’t just cast a vote for the 1994 Violent Crime Control and Law Enforcement Act, also known as the Clinton Crime bill. Joe Biden wrote the bill, including but not limited to provisions that created no less than 60 new federal death penalty offenses a ban on Pell grants for prisoners, from which states took their cues and enacted similar bans on higher education for prisoners. $9 billion in new funding for prisons sex offender registries to ensure lifelong stigmatization of the convicted 3 strikes provisions new funding for “boot camps” and juvenile prisons funding for 100,000 new police officers Biden’s bill resulted in a spike in mass incarceration which of course affected African American and Latinx communities more profoundly than any others. The damage to families and lives of course continues today. For many years, Joe Biden was known as the Senator from MBNA, the giant credit card entity that was bought by Bank of American in 2006 and re-sold to Lloyd’s Bank UK in 2016. Biden was responsible for the provisions that made it impossible to discharge student debt via bankruptcy, thus shackling millions of people with ballooning student debt that lasts till their forties and fifties. Student debt of course weighs heaviest upon black women. Joe Biden is an unwavering supporter of apartheid Israel, just like his buddy Barack, and an unrepentant warmonger like just about all of his Democrat colleagues in the House, the Senate, and among presidential candidates. Until Biden’s entrance, Bernie Sanders was the clear Democratic front runner. That’s over. The polls haven’t broken Biden’s black support by age, but it’s safe to assume that Bernie still leads among younger black voters, while Biden’s voters tend to be older. After promising for two years and failing to deliver Trump and his crew in handcuffs over imaginary collusion with the Russians, it’s hard to see how any Democrat wins in 2020. Even Bernie Sanders did his best to spread the RussiaGate nonsense. And while Bernie is likely the best candidate against Trump (my opinion – not the pollsters) the big lmoney guys from the telecoms, the military contractors, the real estate and banking and Big Pharma will surely line up behind their dependable Uncle Joe. They would rather lose with Biden than win with Bernie. The key to popping the Biden Balloon is getting past the warm and fuzzy Obama hangover, and drilling down into Biden’s actual record as a corporate stooge, a warmonger, an architect of the prison state, a foe of Medicare For All and a servant of the predatory banking industry which has saddled a generation with unpayable student debt. Most of the Democratic hopefuls though cannot do this, because they too are on the same corporate tit as Joe Biden, which is a telling indictment of the Democratic party, and why I and others are trying to build another party outside of and independent of the corporate-run Republicans and Democrats. For Black Agenda Radio Commentaries I’m Bruce Dixon. Find our audio podcasts – there are two of them, Black Agenda Radio and Black Agenda Radio Commentaries on iTunes, Stitcher, SoundCloud, Libsyn or wherever you get your podcasts. Please do know that Black Agenda Report is being censored by Google and other commercial social media, and has been singled out by anonymous cowards who, accuse us of making propaganda for the Russians. So please do like us on Facebook, follow us on Twitter and all, but old fashioned email direct from us to you is the only way to guarantee you’re receiving the fresh news, commentary and analysis from the black left that Black Agenda Report has delivered each and every week since 2006. So please visit our web site at www.blackagendareport.com and hit the subscribe button to receive our free weekly email newsletter containing weekly summaries of and links to all our weekly posted print, audio and video content neatly packaged for your listening and sharing convenience. To comment on our material, join the conversation on our Facebook page, or send us email to comments(at)blackagendareport.com, or you can message us on Twitter @blkagendareport. Bruce A. Dixon is managing editor at Black Agenda Report, and a state committee member of the Georgia Green Party. He lives and works near Marietta GA and can be reached via email at bruce.dixon(at)blackagendareport. He answers email, and has also been known to answer tweets to @brucedixon.

From a Kid in a Hardware Store to a Leading Debt Buyer! Mike Boyle Interview on Capital Club Radio Join Michael Flock of FLOCK Specialty Finance as he interviews Mike Boyle. Mike is the Founder of C&E Acquisitions (C&E), a debt buyer based in Bel Air, Maryland focused on asset purchases in the healthcare space. Following the sale of C&E Acquisitions to Diverse Funding, he became Executive Vice President of Diverse, a leading middle market debt buyer. Mike discusses lessons learned from his previous work experience, including a stint at a hardware store that surprisingly carried through to his career in debt purchasing. Mike started the company while he was an account executive at EMC Corporation where he was selling data center and infrastructure services to hospitals and law firms. He gained an appreciation for technology while working at Systems Alliance where he sold technology solutions to the university marketplace. Mike first learned financial analysis skills at Partners First Holdings where he managed the financial aspect of its outsourcing relationship with FDR. He also had gained valuable exposure to advertising principles when he started his career at MBNA managing major advertising campaigns including the launch of the Platinum Card. Mike was the first in his family to graduate from college earning BA degrees in Business Administration and Marketing before adding an MBA in Finance from Loyola University Maryland. He is the proud father of three children.   Capital Club Radio Hosted by: Michael Flock Sponsored by: Flock Specialty Finance Providing a forum for leaders in the middle market segment which has typically been undeserved by traditional banking. Listeners gain valuable business insights and perspectives to deal with market uncertainty. Topics include: key success factors, both personal and professional, dealing with adversity, outlook for the industry and your business. For more info about Michael Flock and Flock Specialty Finance visit: www.FlockFinance.com To listen to more episodes visit: www.CapitalClubRadio.com To nominate or submit a guest request visit: https://www.OnAirGuest.com To view more photos visit: www.ProBusinessPictures.com ‹ › × × Previous Next jQuery(function() { // Set blueimp gallery options jQuery.extend(blueimp.Gallery.prototype.options, { useBootstrapModal: false, hidePageScrollbars: false }); });

My guest today is Jude Thorne, founder and CEO of a loyalty rewards programme with a difference. Jude has 24 years’ experience in customer relationship management, customer loyalty, marketing and branding. She joined AirMiles in 1994 after senior roles within the advertising industry. In her roles as Marketing Director and then as Managing Director, Jude focused on deepening customer relationships, creating centralised accounts and focusing on customer and client communications and service. The creation of new products and services underpinned the company’s progress and by the time Jude left AirMiles at the end of 2000, the company had increased its profits to £27.2 million, making it the most profitable subsidiary of BA Worldwide at that time. Jude then established Verve Partnership Ltd with Steve Toomey ex FD of AirMiles. Verve advised on customer loyalty programmes for companies such as Sainsbury’s, MBNA, RCI, Cendant Group, John Lewis PLC, Virgin Nigeria and HSBC. Jude is a founder shareholder of The Ice Organisation Ltd. As you'll hear in this episode, Ice is a free loyalty programme that gives customers flexible rewards when they buy from its environmentally conscious retailers using their registered Mastercard credit card. Ice rewards are always given on top of any other discount, promotion or cash back offer. I speak to Jude about some of the current trends in loyalty reward programmes, how as consumers we can choose which loyalty programmes in which to participate, some of the environmental issues that impact the use of loyalty programmes, and much more. Here's my conversation with Jude Thorne, founder shareholder of The Ice Organisation, in episode 330 of Informed Choice Radio.

David Bayer is an entrepreneur, speaker, writer, seminar leader and certified personal development coach. David is the Creator of The Powerful Living Experience and The Higher Power System. David also serves as CEO of ChamberofCommerce.com, the leading online business directory and blog for small businesses. After graduating from Columbia University (’98) David launched his first start-up, PopWall.com, at the age of 22, and quickly established himself as an early online expert. In 2000 David left his first company to join Ducati Motorcycles as the Executive responsible for developing the luxury brand’s online business. In 2 years Ducati.com sold the first motorcycle online, generated $70MM in online revenue, and was the 7th highest grossing E-commerce site in Europe. Upon returning to the states David raised several rounds of venture capital investment for DataBanq, an online lead generation company focused on local search. In 2009 DataBanq acquired the rights to ChamberofCommerce.com where David serves as CEO. ChamberofCommerce.com works with more than 100,000 local business owners and entrepreneurs to help them grow their businesses. Throughout his career David has worked with a variety of clients including FedEx, Washington Mutual, MBNA, Office Depot, Tiger Direct, Best Buy, CompUSA, Vistaprint, iContact and Salesforce.com to name a few. In 2014 David launched the Powerful Living Experience, a program that transforms the lives of individuals and organizations through David’s unique processes and beliefs-based methodologies. David is currently focused on making the Powerful Living Experience and the Higher Power System available through online programs, private workshops, his books and blog, speaking engagements and the Powerful Living Experience Live Event once a year. Get David's e-Book at: https://mindhackprogram.com/mantalks For full show notes visit: http://mantalks.com/david-bayer/ For more information about ManTalks or to join a ManTalks Mastermind: Click Here Subscribe on Apple Podcasts | Stitcher Radio | Android For more episodes visit us at ManTalks.com Facebook | Instagram | Twitter Did you enjoy the podcast?If so please leave us a review on Apple Podcasts or Stitcher. It helps our podcast get into the ears of new listeners, which expands the ManTalks Community!   Thank You to the Team:Editing & Mixing by: Aaron Johnson

A Lions win felt like a loss after the injury to Travis Lulay. Brian and Mojo chat about the game and talk about the Lulay situation before welcoming the one and only Ryan Phillips to the show to talk about his new role as a regional scout for the team. We've also teamed up with MBNA to give you a chance to win tickets to the Lions and Eskimos game on October 21st, along with some swag to help cheer on the Leos. #CFL #BCLions #Sponsored #MBNARewards goo.gl/XTtj9g

In our podcast discussion this week, we are chatting with Sherrie Deans, Executive Director of the NBPA Foundation, the charitable arm of the NBPA – the Union for the nearly 450 current professional basketball players in the NBA. We discuss topics relating to her challenges as the first executive director for a foundation that had been in existence for 20 years. There was no real focus or funding priorities before she was hired so this had to be developed. She also had the not-so-common challenge of dealing with the non-monetary assets of the star power and influence of the players and the fact that these players were very young with little to no charitable experience. Deans brings highly regarded C-Level expertise in celebrity philanthropic engagement as well as global financial services, having held posts with Living Cities, AIG, MBNA, and American Express. She holds a B.A. in economics and political science from Columbia University. Currently, she lives in the Bronx with her husband and son. The NBPA Foundation provides strategic funding and support for players' community engagement while also communicating their work to the world in order to accelerate and maximize its impact. The players' work is global and collectively spans a wide range, from critical charitable initiatives to social entrepreneurship. The key points covered in this podcast discussion are: 1. Formalizing a Foundation: Shifting Funding to Priorities and Focus 2. Recognizing – and Making the Most of – Non-Monetary Assets 3. Changing the Conversation: #EverydayDad 4. A Recurring Question: What Difference are You Making? 5. Never Get Comfortable: The Value of Innovation Visit www.SocialGoodInstigators.com to find the podcast, transcript, and full guest bio. Episodes are also available via Stitcher, iTunes, GooglePlay, and iHeartRadio.

[caption id="attachment_1382" align="aligncenter" width="300"] Debt for Happiness[/caption] We never learn me included, I was financially obese and in debt. the original post Are you financially fat or Obese? 2009 was my financial wake-up call. I was laid off from my job because our economy went to shit in a hand basket. Like many Americans, there was a shift in consciousness concerning ideology concerning the American dream and living. Once you begin to lose "things" "Thought" of as important and find how important they are not. I like many other fellow citizens were living way beyond our income level. Funny thing, I kept asking myself before the 2008 crash, how long could real estate prices continue to rise, and banks keep making refinance loans greater than 100 of collateral. Still, my logic did not deter me from spending five hundred to a thousand dollars more than I was making at my day job. Here are the bills I was paying frequently costing me $5k a month. 1st mortgage Second mortgage Discover card (several thousand dollar balance) Very high balance revolving open credit line. Visa #1 Master card #1 Visa #2 Car payment number 1 Car payment number 2 Cable bill Separate internet bill Daughter's Harp rental(yes full size) Mbna credit card Car insurance for three cars (two drivers in household) Misc bills I can't remember. All told I was drowning in debt. Then I was laid off. All hope was not lost as I had a small business that generated the money outside of my day job to keep us afloat. In addition, my wife worked and had her own bills, WTF was I/we thinking.     The layoff and the temporary reduction of income cause me to pause and rethink my situation. Since 2008 I have managed to turn my life and credit rating g around. I forgot to mention, during my financial reprogramming, just when I was seeing serious financial daylight, my wife and I separated. I was not deterred. Mission Statement I will not have more debt than I can pay off at any given moment of my choosing. There is one exception I had to make, which is housing. For several years I was an apartment dweller until I remarried. The apartment allowed me to control my living expenses for about 5 years. The good news is, because I worked on living for need versus want, I was able to repair my credit, savings, and peace of mind. When I did purchase a new home i received the best interest rate. My interest rate made me gasp, as it was the lowest I've ever experienced. [youtube https://www.youtube.com/watch?v=vJfHD7DPl9U] What I learned. Even though everyone and common wisdom may inform us to save your money, the financial temptation is EVERYWHERE! Don't be good rich! rich is looking like you have everything under control materially but owning nothing of value. Being Rich is looking like you have everything under control materially but owning nothing of value. Don't be surprised, doctor, lawyers people who you think have the resources are suffering too. It's all about outside perceptions. Just because someone earns $250,000 annually does not provide financial security, if someone is financially overextended. Money is the new crack! Companies make it easy to take your money in order for us to look wealthy but be functionality poor.  Banks make us functional addicts by issuing credit, and the lessons learned by many in 2008 are starting g to be forgotten. Not me! Live for need and make "wants" rewards for good behavior. I know now, a second reprogramming was required. After paying off my debts and living below my means, what's next. The answer, more of the same. Don't spend it just because you have it to spend. Here is how it's done. Your phone works find you don't need a new one. Your TV still has sound and picture you don't need a 70 inch OLED because it's new. Yep, your car is old but it cheaper to fix it than to buy a new one. Make your much it's healthier than buying processed fast food. Use your library, you would be amazed at how much it saves you. Chose to purchase experiences versus things. Get a bank account not easily accessible and direct deposit minimal 10% of your income. Learn something new to generate an income. (Try to make(profit) $100) a month and save that money. We are programmed in industrialized nations to be financially obese. This is psychological warfare to keep you low. Every day you are told you are not good enough if you don't have the latest item being sold. It's not true. Think of it this way. Do you have a safe home? Do you have enough food? Are you healthy? Are you loved? Do you have clothes to wear? If you can answer yes to these questions, then 99.9 of your needs are set, the rest is extra. The other demon we deal with is boredom. I have had a tendency to spend unnecessarily when I get bored. I live in the middle of nowhere, so I am bored often. This is where I learned to use my mind and begin creating to stave off boredom. So it's time to cut the financial fat and create a financial reserve for the lean times.

Patrick Jenkins and guests discuss Lloyds Bank's first acquisition since it was rescued by the UK taxpayer over seven years ago, the Goldman Sachs-backed payments app Circle, and predictions for 2017, With special guest Jeremy Allaire, chief executive of Circle. See acast.com/privacy for privacy and opt-out information.

LLoyds Bank has struck a £1.9bn deal to buy credit card company MBNA from a subsidiary of Bank of America, in its first acquisition since a taxpayer-funded rescue more than seven years ago. Patrick Jenkins asks Martin Arnold, FT banking editor, what the deal means for the UK bank. Music by Kevin MacLeod See acast.com/privacy for privacy and opt-out information.

So my guest on today’s episode goes by the name of Paul Rouke.  Paul runs the UK’s #1 Conversion Rate Optimisation (CRO) Agency.  This is not just fluff…this is EARNED…and here’s why.Their client list includes:   - outdoor wear brand: North Face - travel search engine - Skyscanner - footwear retailers - Schuh - the UK’s #1 appliances ecommerce site - AO.com   thats not all…they’ve worked with:   - MBNA, - Harveys - Money Super Market - Bensons for Beds - Speedo and - Monsoon   He joins us today to talk about PRWD's first book titled, "A Story of Untapped Potential: The Growth Strategy That’s Being Ignored" which is a collaboration between the Paul Rouke and 17 global optimisation experts. It includes opinion and advice from Optimisation thought leaders such as Bryan Eisenberg, Andre Morys, John Ekman and Paul Rouke.   Head over to AMAZON to purchase a copy of the book - http://www.amazon.co.uk/dp/B01A8JJ0G2     Message from Our Sponsors: This episode is brought to you by Salsify. As an online retailer or supplier, you are well aware that ACCURATE PRODUCT CONTENT drives more sales...However, as your store starts to scale the harsh reality is that maintaining product description content becomes more and more of a challenge to ecommerce teams.Enter Salsify...Salsify is a SaaS based product content management platform built specifically for online retailers and brand owners.I recently took Salsify on a test drive and here are the glaring advantages etailers stand to gain:- Your entire product catalog can be accessed by any department in a centralised hub,- There’s a workflow setup that ensures no fields go amiss when product data is published to multiple channels such as Amazon, your Google Merchant account or just directly to your ecommerce store- Salsify tells you when it spots missing critical fields across your product catalogIt is really a modern, flexible and robust product management platform I recommend if your store and brand's product catalog changes often and if you publish to numerous channels often.As a 2X eCommerce listener, you can get to trial Salsify for free at Salsify.com/2x