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On this episode, we will continue our conversation on what expenses may change when you enter into retirement. Helpful Information: PFG Website: https://www.pfgprivatewealth.com/ Contact: 813-286-7776 Email: info@pfgprivatewealth.com Disclaimer: PFG Private Wealth Management, LLC is a registered investment adviser. All statements and opinions expressed are based upon information considered reliable although it should not be relied upon as such. Any statements or opinions are subject to change without notice. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investment involve risk and, unless otherwise stated, are not guaranteed. Information expressed does not take into account your specific situation or objectives and is not intended as recommendations appropriate for any individual. Listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance. Transcript of Today's Show: For a full transcript of today's show, visit the blog related to this episode at https://www.pfgprivatewealth.com/podcast/ ----more---- Mark: Back here for another episode of the podcast with John and Nick from PFG Private Wealth. On Retirement Planning Redefined, we're going to get back into our conversation from the prior episode about cashflow. We went through some categories, housing, work stuff, healthcare, taxes, so on and so forth, on how those expenses will change either to the plus or the minus, depending on our setup. Well, this is the time to talk about the setup. So as we are assessing our retirement expenses, we'll break these down into a couple of categories. So we're going to talk about those with the guys. John, welcome in buddy. How you doing this week? John: Hey, I'm doing all right. How are you? Mark: Hanging in there. Doing pretty well. How about you, Nick? Nick: Pretty good. Staying busy. Mark: Staying busy and enjoying. So we're taping this before the fourth, but we're dropping this after the fourth, so hopefully you guys had a good fourth? Nick, you probably went up and saw family, yeah? Nick: Heading up north to just, yeah, extended family and friends. That fourth week makes it an easier week to get away because everyone's doing stuff anyways. Mark: Yeah, yeah. It's always funny when we have the holidays and we're kind of taping the podcast ahead of time because then drop it because we're not around, so sometimes I get confused on my dates. So yeah, again, we're talking about this before the fourth about what we'll probably will be doing on the fourth. So John, are you on grill duty? Because I know I am. I'm stuck on it. John: No, no. My brother's forcing me to have a cookout at my house, so I told him if I'm providing the house, he's the one on grill duty. Mark: Okay, that'll work. John: He's visiting from Boston, so he's excited because my other brother's down here and my sister, cousin, and actually the best man in his wedding is married to my sister, so he decided to come down. Mark: So Marketing 101. So the second you said Boston, all I hear is these Sam Adams commercials right now, "Your cousin from Boston." Every freaking time I hear Boston, that's the first thing I think of. Or Sam Adams beer, I go right there. All through the hockey playoffs and NBA playoffs, I kept seeing those commercials so it's embedded in my brain. But hey, that's the point of marketing, right, is to be those little earworms, so you go out and buy whatever it is that you go out and buy. And speaking of that, that's my transition into the must haves versus the nice to haves. So if we're talking about those accounts, those different categories that we went through on the prior episode, guys, how do those things now play into for our cashflow? Again, cashflow is the conversation wraparound, it's the wrapper of this whole endeavor. We need to break this down. And do you guys do this with clients? Is it something you encourage them to do, because everybody's individual needs and wants are going to be a little bit differently, but do you break things up in the must-haves versus the nice to haves? Nick: I would say to a certain extent, we do. We kind of list basic expenses and discretionary expenses. Mark: So give us some musts. What's the musts? Nick: So obviously housing, healthcare, food and groceries, some form of transportation, whether it's one vehicle, two vehicles. Getting rid of debt. Those are all things that are obviously needs. [inaudible 00:03:02] Mark: Life essentials, right? Nick: Yeah, for sure, for sure. Depending upon the people, some things are discretionary. I would say most of the people that we work for can't afford to have some sort of traveling in retirement. Mark: Yeah, so is two trips a year or is it five trips a year? That's kinds how it starts to change? Nick: Yeah, exactly. Or even a big trip every X amount of years. So like a baseline travel budget of X, and then let's add one of the things that we commonly do is, let's say the travel budget is $6,000 a year from a baseline standpoint, and then every three years they want to do an additional trip of another 6,000, that's one trip. And so we can scatter that in throughout the plan and show them what it looks like and toggle that on and off. And with how we do planning, we can show them the impact of doing something like that and what it does to their plan. So for the higher tier, nice to have. For discretionary expenses, we will use our planning software and kind of show them, Hey, here's the impact on your plan if you want to do that. Because we always preface everything, it's telling people that it's your money, we're not telling you how to spend your money or what to do with your money, our job is to show you the impact of the decisions that you make. Mark: That makes sense, yeah. Nick: So let's arm you with that information so that you understand if you do these things, then let's make an adjustment accordingly. And for sometimes it helps them put into perspective where not everything is a yes or a no. And what I mean by that is, well, let's just say that there's two lifetime trips that they wanted to really do, and so they like to have a bigger travel budget, but really when you boil it down, it's like, okay, I want to make sure I go to these two places. So we make sure that we can accomplish those and make adjustments elsewhere. [inaudible 00:04:58] Mark: Yeah, because the must ... I'm sorry to cut you off, but I was thinking about this as you were saying it. The must-haves, like the housing, the health, food, you're not going to have any kind of discretionary wiggle room. Well, you don't want to. Now you could say, okay, we'll eat less food, or something like that, but that's not the goal in retirement, you don't want to go backwards. So the place typically we do make some adjustments in the cuts are in the nice to have categories. Nick: Yeah, and usually it's almost more of a toggle where even to a certain extent of, we've had conversations where, hey, if things are going really well in the markets and we're able to take advantage and take a little extra money out in years where things have gone well, that's kind of the impetus to do this sort of thing. Mark: Kind of pad the numbers a little bit. Nick: Yeah. Mark: John, let me get you on here for, besides the expenses we covered, some of the things we went through, what are some contributing factors that will affect cashflow problems that you guys see in retirement? So all these different things, whether it's healthcare, housing, whether it's whatever, give me some bullet points here for folks to think about on things that can, not in a category per se, but like outside effectors, outside influencers, that can really cause us cashflow problems in retirement. John: The number one I'd say, concern for most people going through retirement is longevity. How long does my money need to last? Mark: And that's the great multiplier, right? Because if you live longer, it makes everything else go up. John: Correct. Yeah. So that's one thing we look at, and we do plans. We're planning for age 100, and we'll always get people like, well, I'm not living that long. But the thing is, that's always ... Mark: What if you do? John: Exactly. So it's like, Hey, listen, if you live to 100, guess what? Mark: You're covered. John: Your plan looks good. You could live to 90 and the plan looks good. So we always plan for, we again, overestimate the expenses, overestimate the life expectancy, Mark: And then you don't have to live with your cousin in Boston, right? John: Exactly. That's right. Mark: All right. What else besides longevity? John: Another big one we're seeing right now is inflation. Because with retirement, you're not getting a paycheck anymore, so your ability to earn is now gone. So your nest egg is providing that income for you and social security. And keeping up with inflation, especially the last few years has been a challenge for quite a few people. And mostly I would say for me, I've noticed my food bill has gone up drastically in the last couple of years, more than anything else is really. Because we talked about musts and nice to have, if trips go up, you could say, all right, I'm going to go on a little bit lesser trip, or not go as much, but you know, you got to eat and you got to have healthcare. So those things there are big ones to really consider going into retirement and to be aware of, is the plan [inaudible 00:07:42] Mark: Yeah, a friend of mine, for Memorial Day, we were talking about cookouts earlier, so we got July 4th, you're probably hearing this after July 4th, but how much did it cost you to buy this stuff? So a friend of mine posted a picture around Memorial Day that he bought three steaks, and he lived in the New York area, Nick, actually. And the tag on the thing was like 60 bucks for three steaks. It was like, holy moly. And I know different parts of the country are more expensive than others, but it was just where I'm at, it was like, wow. And they weren't like that impressive of a steak. So to your point, you got to eat. Nick: To be honest with you, I think there's a little bit of ... Mark: Price gouging. Nick: ... ridiculousness and price gouging going on right now from the perspective of a lot of different areas. I just got my six months notice on my car insurance, I've been complaining to everybody about it. One vehicle, no accidents [inaudible 00:08:34] John: Wait, wait, wait, wait, wait, wait. Nick, this isn't a therapy session, right? Mark: Well remembered, well remembered, John, from the prior episode. Very good. Nick: Yes. I drive probably 7,000 miles a year at the most and paying almost $2,500 a year for car insurance. But the crazy part is that, so okay, if it's always been high, that's one thing, but two years ago when I had switched companies, it was about 1,700. So again, we take ... Mark: Inflation. Nick: Do the math on that. I'm sorry, but 50% is not inflation, there's some 50% in two years and it's kind of wild. And then even just going, the area that we're in has been massive growth in this area, but even what the restaurants are charging, and it's just inflation impacts different areas differently. Mark: It's an excuse. I mean, just like anything, we've turned it into excuse, just like the supply chain problem issue. A friend of mine was trying to get his RV worked on and they were like, well, we're still having supply chain issues for a valve. And it's like, really, a valve on an RV, it's been three years. I don't know if supply chain issue really holds in that argument, but if companies are dragging their feet or employers, somebody's just taking long, that's just an excuse. And I think that's the same thing with the inflation. Is it real? Yes. But to your point, are some of these numbers really truly justified? But they can use that, well, inflation's bad. That's the excuse they use in order to hit you with a 50% increase. Nick: Yeah, and I'd say from a planning perspective, because people get concerned about that from a planning perspective, and saying, well, hey, we had much higher inflation last year than we did in our plan moving forward, and [inaudible 00:10:27] Mark: Are we going to be okay to survive it, yeah. Nick: Yeah, and the easiest way that we mitigate that from a planning perspective is we reprice current expenses. So in other words, repricing the current expenses allows us to take that into consideration, the increases that we've had, and then use more normal rates moving forward, which is how you more accurately display that from a planning side of things. Mark: Gotcha. All right, John, so you hit us with longevity and inflation as a couple of areas that can contribute to cashflow problems. Give me a couple more before we wrap up this week. John: Investment returns is another spot, depending on what type of plan you do or type of planning, if some people will really have their income depend on what their portfolio is returning for them. Mark: So we're talking about sequence of return risk, kind of thing? John: Yeah. So if you having a down year and there's not as much income coming in from your portfolio, well that could ultimately affect your cashflow. Or if it's a down year, and we go back to longevity of, Hey, how long is my portfolio going to last, just have a 20% dip in the market, you're going to be a little concerned about pulling out in that period of time, because once you pull out, you know, you realize those losses, and there's no more recovering [inaudible 00:11:41] Mark: Yeah, it's a double way, it's the market's down and you're pulling money out. So the truth that makes the longevity factor interesting. Okay. John: So one more thing on this. This is really important, and especially what we're seeing in the last couple of years where you have some type of plan where if you are dependent on that, you have almost like a different bucket to pull from in a time like this. So you really want to position yourself to be able to adapt to downturns in the market which could affect your income. Nick: One of the things, and I've been having this conversation quite a bit lately, is that previous to last year, for the dozen years leading up to that, rates in return on fixed or cash and cash equivalence was so low, you couldn't get any return on that money, that really people shifted predominantly, or at least in a large way, to take more risks, meaning more upside, so more heavily on the [inaudible 00:12:39] Mark: Well, because the market was going up too. We get addicted to that, so it's very easy to go, well, it does nothing but climb, it's done it for 12 years in a row, so let's keep going, right? Nick: Yeah. And a little bit of that's a circle where it's part of the reason it kept climbing, is because people were saying, well, and not just, but it's just a contributing factor where it's like, well, hey, I'm literally getting zero return here. So inflation's eating away at my money anyways, I might as well take a little bit more risk. And so earlier this year in the majority of our client portfolios, we took some money off the table because now we can get four to 5% in something that has no risk, and that lets us kind of at least take a deep breath, see what's going on, get some sort of return, where most of our plans, we use five to 6% in retirement anyways. Mark: Yeah, that's a good point. You just got to be careful, right? Because we don't know how long those rates will last either, so you don't want to lock yourself into anything too hefty either, without making sure it's the correct move for you. Especially, I'm thinking more like CDs for example. Nick: Yeah. We still target things that are short term, that sort of thing. But for a retiree, even from the perspective of, let's just use the million dollar number, there's a huge difference between five years ago, where if you wanted to do a one year CD and you could get 0.8%, that's $8,000 on a million bucks versus 5%, even just for a year, now it's 50,000 of income. I mean, one is you can't pay your bills, another one is going to be much more comfortable. So for a retiree, one of the sunny side or glass half full part of what we've been dealing with from an inflation perspective, is that at least there's a little bit more return on safer money as we try to re-plan and readjust. Mark: Yeah. No, that makes sense. So one more category here that I want to hit for just cashflow problems in retirement, John, you did longevity inflation and investment returns. I'm going to assume the fourth one's probably just the emergencies, the things that life throws at you in retirement years? John: Yeah, a hundred percent. Emergency funds, it's [inaudible 00:14:44] Mark: Got to have one. John: ... for that, because you just don't know what's going to happen. Mark: Murphy's Law's going to happen, right? John: Murphy's Law's been happening for the last three years. So basically a big one is healthcare expenses, which we touched on as a must have. So big health event could really dip into your emergency funds. Or again, especially here in Florida with the roofs, have talked to some clients and friends who basically were having homeowners insurance issues here, and then carriers are basically saying, Hey, for you to get renewed, you need a new roof. And all of a sudden it's like, what? I just go, my roof's fine. It's like, well, it's outdated, you know, you need a new one, or else [inaudible 00:15:24] Mark: And so they're not covering maybe the full cost or some of the cost, I guess, but they won't insure you. John: I had some friends actually get notices saying, your roof's too old. If you don't replace it, we're dropping coverage. Mark: Oh geez. Okay, yeah. John: So that's an emergency expense. Mark: Definitely. John: Roofs aren't necessarily cheap, so important to have an emergency fund because like you said, Murphy's Law, you have no idea what's going to come up and you want to be prepared for that. Mark: Yeah. No, that's a good point. Nick: The roof thing is pretty wild here too, because a lot of people have tile roofs down here. And depending upon the size of the house, a tile roof is going to cost you, what John? Between 50 and a hundred thousand dollars? John: Yeah, 50 to a hundred grand. Mark: Really? Holy moly. Nick: And so, yeah, and then if you're in a neighborhood that has association rules and all these other things, it can get a little squirrely. So just understanding even little basic things like that, where especially people that came maybe from up north where it's just shingle roofs and 10, 12 grand, 15 maybe, and then [inaudible 00:16:25] Mark: Yeah, I was going to say, my metal roof was like 20, and that was like eight years ago. Nick: Yeah. So there's just things like that where we always very much emphasize having an emergency fund. Mark: Yeah, definitely. All right, good stuff. Talking just cashflow issues, things to consider here on the podcast the last couple of weeks. So if you're worried about the cashflow or you're just worried about making sure your plan is accurate for the time of life you're in, especially if you're one of these folks that maybe got a plan, you're like, ah, I got a plan put together like a decade ago, or whatever. Well, it's not a set it and forget it, it shouldn't be a set it and forget it, anyway. Even insurance policies, sometimes it's very easy to get one and throw it in the drawer for 20 years and forget about it, but all those things can be looked at and reviewed and see if there's a better way to put a strategy together. So if you need a first opinion or second opinion, reach out to John and Nick and the team at PFG Private Wealth. Find them online at pfgprivatewealth.com. That's pfgprivatewealth.com. Don't forget to subscribe to the podcast on Apple, Google, Spotify, whatever the case might be. Whichever podcasting platform app you like, just type in retirement planning redefine in the search box. Or again, find it all online, pfgprivatewealth.com. For John, Nick, I'm your host, Mark. We'll catch you next time here on the podcast. This has been Retirement Planning Redefined.
Pre-show: Good SwiftUI days Follow-up: Vision Pro Privacy considerations (via Brandon Jones) WWDC 2023 #10096: Build Great Games for Spatial Computing Designing for Spatial Input 6m5s 7m8s Vergence & accommodation in eyesight (via Christopher Masto) Vergence-accommodation conflict 4m0s visionOS SDK is out Apple sample apps source code Jonathan Wight’s _ Finds Vision Pro labs start in July‽ John Ternus on external GPUs on The Talk Show Apple adds passkeys to Apple ID & iCloud logins macOS 14 Sonoma iOS 17 Marco (& Casey) get a present Crosswords in Apple News+ Apple [kinda] explains why third-party Watch faces aren’t supported Apple’s new beta install system DPReview has been purchased Gear Patrol Ars Technica Safari 17 Link Tracking Protection MJ Tsai WebKit blog MacRumors Jeff Johnson privacytests.org DockKit #askatp: Having seen Vision Pro, are we more enthusiastic about Apple’s automotive adventures? (via Nick) Do we use any sort of app uninstaller? (via markblndr) LaunchControl The age-old debate about using separate vaults for 2FA gets rekindled by Dave Copeland Sebastian Cohnen clarifies The real threat, as per Drew Post-show: Casey’s happy technology week, and Marco’s not-so-happy technology week. T-Mobile Free Trial Sponsored by: Squarespace: Make your next move. Use code atp for 10% off your first order. Rocket Money: Stop throwing your money away. Cancel unwanted subscriptions and manage your expenses the easy way. Become a member for ad-free episodes and our early-release, unedited “bootleg” feed!
Do you struggle with time management? Do you find yourself overwhelmed and exhausted at the end of the week with an endless backlog of things to do? After a rough week of long workdays and back-to-back dinner meetings, I felt like a zombie. I thought it wise to dive into an episode about time management. So in this episode of MakingChips, Jason and I tackle mastering time management in three areas: your phone calls, your calendar, and your time off. Because if you're not managing your time efficiently, you aren't making chips efficiently, which means you aren't making money, are you? — Nick Do you have a great system for time management? Let us know! Email us at info@MakingChips.com Segments [2:23] What's happening in our lives [8:57] Manufacturing News: China Opposes Semiconductor Bill [15:15] Tip #1: Schedule phone calls and Zoom meetings [22:24] Tip #2: Share your calendar to avoid availability ping pong [24:40] Tip #3: Time block your calendar to get work done [30:06] Tip #4: What's required and what's optional changes [35:43] Tip #5: Manage “out of office” time the right way [43:21] Jason is certified as a “Full Focus” professional Resources mentioned on this episode Schedule a meeting with Jason! Full Focus Planner ProShop ERP Xometry Don't miss IMTS 2022! China Opposes Semiconductor Bill Connect With MakingChips www.MakingChips.com On Facebook On LinkedIn On Instagram On Twitter On YouTube
Nathaniel Coleman is the men's silver medalist of the Tokyo Olympics. We talked about his preparation for the games, training in a climbing sauna, the Olympic experience and winning silver, favorite root beer, Kendama as focus training, chess, why Nathaniel still practices the basics of climbing, doing the FA of ‘The Grand Illusion' V16, and sport climbing plans.Support the Podcast:thenuggetclimbing.com/supportWe are supported by these amazing BIG GIVERS:Bryan FastBecome a Patron:patreon.com/thenuggetclimbingShow Notes: thenuggetclimbing.com/episodes/nathaniel-colemanNuggets:4:30 – Garbage trucks, and a Tuesday morning in the life of Nathaniel Coleman6:04 – What the two months following the Olympics have looked like for Nathaniel8:20 – Finding out that climbing would be in the Olympics and having qualifying as a goal10:44 – How Nathaniel's goals evolved throughout the process11:45 – Nathaniel's mantra for combined nationals 2019, and the journey to qualifying15:25 – How Nathaniel used his mantra, and self-belief vs. letting go of expectations17:25 – Confidence, upbringing, and competing for himself20:27 – The dice roll of competition22:10 – Climbing with Kyle O'Meara, Nathaniel's relaxed approach to training as a teenager, comparing himself to Sean Bailey, and thriving on a plan with “adequate rest”25:50 – Balancing listening to motivation and pushing through it26:46 – Typical training volumes for World Cup climbers30:39 – How Nathaniel's training to qualify for the Olympics vs. how he trained for Tokyo34:25 – Balancing World Cups with prep for Tokyo36:01 – Building a climbing “sauna” at the USA training center36:15 – Getting used to climbing in the heat and humidity40:41 – How Tokyo compared to the training sauna43:19 – What it was like to get on the plane and fly to Tokyo46:28 – The qualifying round in Tokyo, and realizing he made finals52:16 – Recalibrating goals after making finals53:48 – Finals1:03:18 – Watching Jacob top the lead route1:05:55 – Patron Question from Tyler: When it was all said and done, what did you think about the Olympic format?1:08:19 – More context about the Olympic format, and Nathaniel's thoughts on continuing to speed climb after Tokyo1:10:35 – Great Aunt Armida1:13:04 – Nathaniel's Instagram posts after winning silver in Tokyo1:14:54 – What Nathaniel's accomplishment meant for US climbing 1:17:59 – The first and second perspective-changing events in Nathaniel's climbing career1:19:55 – Thoughts about hard outdoor rock climbing vs. competitions moving forward1:21:54 – How Nathaniel balances training for outdoor routes vs. competitions, and preparing for a trip to the Red1:24:25 – Context about ‘The Grand Illusion'1:25:02 – Patron Question from Nick: Do you have any plans to come back to work on the ‘Lee Majors' extension?1:27:34 – Patron Question from Timothy: Does Nathaniel ever see himself getting into highball bouldering or trad/big wall climbing?1:28:54 – Thoughts on retiring from competitions (when and why)1:30:40 – Rootbeer1:32:58 – Kendama1:35:55 – How Nathaniel still practicing the basics in climbing1:38:56 – Bonz Atron (the Chris Sharma of Kendama)1:40:18 – Chess1:41:28 – What Nathaniel does to relax and recharge1:42:52 – Special thanks to Josh, Zach, and Meg1:44:44 – Excited for the Red1:45:58 – Gratitude
Jason Kehl is a professional rock climber known for his highball bouldering ascents, and unique artistic expression. We talked about karate and how screaming helps his climbing, roof climbing in his parents' basement, a chronology of his haircuts, vans he's lived in, having kids, bouldering with cargo nets in Hueco Tanks, and notable highball ascents like ‘Evilution' and ‘The Fly'.Support the PodcastBecome a PatronFacebook GroupShow Notes: thenuggetclimbing.com/episodes/jason-kehlNuggets:2:05 – Karate6:48 – Power screaming and made-up words9:20 – ‘Count to Six and Die' 10:47 – Growing up in a small town in Maryland, climbing trees, the basement home wall, and Jason's go-to move15:53 – Parental support16:34 – Jason's journey to bouldering, and climbing ‘Evilution'20:25 – Getting noticed for highballing, and bouldering ‘The Fly' 25:15 – Joe's Valley27:29 – Jason in High School, pocket protectors, and the weird kid's lunch table30:51 – Developing his image, sponsorship, and performing for an audience32:45 – The competition disguise33:50 – Jason's theme song35:25 – A chronicle of Jason's hairstyles42:30 – The Dreaded Wudan Mullet43:30 – A chronicle of Jason's vans47:35 – Falling in love with Hueco, and climbing in the summer52:30 – Are there any FAs left in Hueco?55:37 – Having kids, and focusing your time1:06:38 – Cargo nets1:17:35 – Social Media, and being a professional climber1:25:44 – Patron Question from Logan: What was the most difficult part of dropping everything to be a pro climber?1:28:01 – Odd jobs1:29:39 – Patron Question from Will: How did the NE influence his climbing? 1:33:16 – Patron Question from Nick: Do you ever go back and repeat dangerous climbs you've done before?1:35:53 – Gratitude1:37:40 – Don't give away the beta1:41:22 – Reminders and stuff I'm excited about
*WE APOLOGIZE FOR THE ECHO, TECHNICAL DIFFICULTIES* Today's topics include: -Black Friday shopping and why it's always mass hysteria -Christmas and it's connection to Christianity -Religion -The boys learn about St. Nick -Do we follow any moral/ethical/philosophical code? Way of life? Conspiracy Theory: Mount Rushmore & it's hidden agenda? --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app Support this podcast: https://anchor.fm/whoaskedforthispodcast/support
Nick Do is a production sound mixer and boom op based out of New York. He's worked on a number of TV series like Snapped, Hip Hop Evolution and his documentary, Rezervation Nation. Nick uses a Sound Devices 633, Lectrosonics 411a receivers, 210d receiver and HM transmitter for wireless boom. Nick also uses a Remote Audio BDS power distro, Comteks and Lectrosonics IFB's.
For this episode of the Birds Banter Podcast, we took more questions from our fans and took time to answer each one. Listen to our team discuss the following questions and give our own opinions and insight on what would be best for the Eagles: -“What are your thoughts about the Eagles drafting Andy Isabella with the 25th pick?” -Cory -“Who could be a late round pick with an immediate impact like Avonte Maddox in 2018?” -Nick -“Do you think the Eagles will draft a running back in the 1st or 2nd round of the NFL draft or add one in free agency” -Ryan Presented by: PHLSportsNation Sponsored by: The Black Tux and Anchor
The USMNT finished their pre-World Cup friendlies against a solid UEFA opponent in Ireland and a World Cup favorite in France. Oddly, they lose to Ireland 2-1 and draw France 1-1 The hosts break down the goals and the line-ups, and discuss the future of the USMNT players and coaches. Wil Trapp captained the team amid speculation of a move from Columbus to Europe. Bill Hamid and Zack Steffen started in goal, and the hosts discuss how Steffen and Alex Bono are the keepers of the future. Also, the United Bid of Canada, USA, and Mexico won the right to host World Cup 2026. The news came the morning after our recording, and we at Sons of a Pitch are very excited to watch the greatest players in the world in our backyard (albeit in 8yrs or so). What are your thoughts on the USMNT roster and coaching candidates? Are you done seeing Jozy Altidore and Bobby Wood, like Nick? Do you want a European style coach, like Mike? Let us know in the comments below.
Real Estate Investing Profits Master Series with Cory Boatright
I’m changing it up a little bit on today’s episode of the Profit Master Podcast. Typically I bring on amazing real estate investors to share their profit master strategies, but today I’m talking to Nick Raithel. He’s the creator of Content Corps, and he helps expert investors like you write and sell their own books. Think about it – a book can be your own personal business card. You could sell it at conventions or carry it with you to meetings. Writing a book is a great way to help your expertise go viral and really position yourself as an authority in real estate. Are people always asking you how you do what you do? Do you find yourself giving advice to other people more often than not? I was always experiencing that, and that’s why I wrote my own book. Having a book is amazing way to start a conversation and find leads for your business. Clients are more likely to trust an investor who’s published a book or two, and you’ll establish yourself as an authority in real estate investment just by sharing what you already know about this business. Seriously consider what writing a book could mean for you and if it could truly benefit your business plan. If you’re interested in writing a book, take a look at Nick’s process at Content Corps. It’s called The 7-Hour Book and he breaks down that process a little bit on today’s episode. He shares the different strategies you can take to tackling your own book, and he’s somewhat of an expert when it comes to marketing. Writing a book is something to seriously consider if you want to make a positive change to your business. Nick Raithel’s advice today could really help you out, so tune in now and decide for yourself if writing a book is right for you. MINUTE MARKERS 4:50 - Here’s Nick Raithel! 6:13 - Why are books so inspiring? 7:25 - How did Nick turn books into a business? 10:10 - Nick breaks down the writing process 10:55 - Why should you consider writing a book? 12:15 - The perks of writing a second book 13:42 - The time-frame of Nick’s publication process 15:40 - How many pages are these books? 17:55 - The cover of your book is more important than you think 21:10 - How much does it cost to write a book? 22:09 - How will you distribute your book? 24:15 - How will you position your book? 25:39 - How to use your book to share your time 31:38 - The greatest lesson Nick ever learned 33:35 - Nick drops some great advice for new writers 34:24 - Nick’s favorite motivational quotes 35:20 - Cory’s new podcast – Book Gangsters – is coming soon! 36:41 - Does Nick get 8 hours of sleep? 38:23 - Nick’s morning routine 41:57 - Nick knows how to make water taste better 42:30 - What is Nick most grateful for? 45:05 - Nick’s favorite mentors are actually dead guys 46:40 - What gets Nick out of bed in the morning? 48:36 - Contact Nick at Content Corps to start writing your book QUOTES You have to be actively integrating your marketing into that process of creating the book. - Nick Do what you can, where you are, and with what you have and run with it. - Nick Links and Resources Content Corps Audible Charity Water Russell Bronson Real Estate Riches by Cory Boatright Ask Cory A Question Want to get in touch with Cory and ask him your most burning Real Estate Investing question? We’ve made it super easy for you. Just head over to our Ask Cory A Question page and start recording. Cory will play your question live on an upcoming show and answer it personally. Who Do You Want To Hear From? Name some folks I should get on the show! Hit me up:support@realestateinvestingprofits.com and I’ll do my best to get them on. Did You Get Your FREE Investing Guide? TEXT the word PROFIT (38470) to immediately sent Your FREE Investing Quick Start Guide! JOIN The Elite Real Estate Investor’s Board of Directors http://JoinMyMastermind.com Connect Here Please check out our website, realestateinvestingprofits.com for the “Down and Dirty” Ultimate Real Estate Investing Quick Start Guide download. And don’t forget to get involved with the REIP coaching program at coryscoaching.com or realestateinvestingprofits.com/coachingapplication or click on the “Coaching” tab on our website!
Tay and Nick Do some stuff or something
Another MTI Discovers episode is out with music from Daughtry, Pink and much more! We're almost into our top 10 list of the top 99 songs of 2007, so stay tuned for the season finale which will be released 2 weeks from now! Hosts: Producer Jack & Nick Do you have any questions about our future episode release dates? How about song requests? We always love hearing from our listeners, so make sure to take a visit to our website at http://mymti.org/ to find out all the information about that!Support this podcast at — https://redcircle.com/past-mti-countdowns/donations