Amazon launches Local Selling option for merchants, the 16-inch MacBook Pro with M1 Max chip has a High Power Mode, and Razor launches its Zephyr face mask. MP3 Please SUBSCRIBE HERE. You can get an ad-free feed of Daily Tech Headlines for $3 a month here. A special thanks to all our supporters–without you, noneContinue reading "Amazon Launches Local Selling Option for Merchants – DTH"
College Football DRAFTKINGS Week 6 Daily Fantasy (DFS) and Betting! 21-11 against the spread on the year. Two 5 figure winners in DFS CFB last week at Gups Corner! Oklahoma State, Iowa State, LSU, Ole Miss, Cincinnati, & More!
In this episode of Locked On White Sox, we discuss the report that César Hernández's option will not be picked up by the White Sox. We explore possible options entering 2022 at 2B. Plus more of your emails and phone calls. twitter.com/lockedonsox twitter.com/Ecnerwal23 twitter.com/ChrisTannehill LockedOnSox@Gmail.com Locked On Sox Voicemail: 312-566-8727 Support Us By Supporting Our Sponsors! Built Bar Built Bar is a protein bar that tastes like a candy bar. Go to builtbar.com and use promo code “LOCKED15,” and you'll get 15% off your next order. BetOnline AG There is only 1 place that has you covered and 1 place we trust. Betonline.ag! Sign up today for a free account at betonline.ag and use that promocode: LOCKEDON for your 50% welcome bonus. Rock Auto Amazing selection. Reliably low prices. All the parts your car will ever need. Visit RockAuto.com and tell them Locked On sent you. Learn more about your ad choices. Visit podcastchoices.com/adchoices
We've discussed revolving offenses in previous episodes, and how there is no king of the mountain. However, the spread offense has held its own for several years. In today's episode, we will skim the surface of the spread option, why people continue to use it, what its key formations and plays are, and what weaknesses a coach can expect from year to year.
The guys preview the NBA's Southwest Division (Mavs looking good for the playoffs but is Porzingis a true #2 option?); Grizzlies and Pelicans should be fun to watch and make the play in tourney but when will Zion be healthy?; Spurs and Rockets are rebuilding.)
www.GoodMorningGwinnett.comJoin me and 500 entrepreneurs Monday-Thursday @8am for the largest morning mastermind on the planet. Click here join us https://bit.ly/3jLMvUJGwinnettians once again have an option for recycling glass products.The county launched a new pilot program with Waste Pro USA over the weekend to give residents a place to drop off glass products for recycling. The program entails a glass recycling drop box being located at OneStop Norcross.“Gwinnett County values stewardship and sustainability and heard from many residents over the last few years who want a way to recycle their glass containers,” said Gwinnett County Board of Commissioners Chairwoman Nicole Hendrickson. “We also recognize the many benefits of recycling glass and are delighted to partner with Waste Pro on this effort.”SOURCE: www.GwinnettDailyPost.com
It's Mailbag Monday on Locked On Mariners as hosts Ty Dane Gonzalez and Colby Patnode answer your questions on Kyle Seager's replacement at third base, their favorite options in center field this offseason and which Mariners major leaguers could be traded this winter. Be sure to follow or subscribe to Locked On Mariners wherever you prefer your podcasts! For questions and other inquiries, email: firstname.lastname@example.org Follow the show on Twitter: @LO_Mariners | @danegnzlz | @CPat11 For more of Ty and Colby, check out their Patreon: patreon.com/controlthezone/ Built Bar Built Bar is a protein bar that tastes like a candy bar. Go to builtbar.com and use promo code “LOCKED15,” and you'll get 15% off your next order. Learn more about your ad choices. Visit podcastchoices.com/adchoices
Der Klimawandel wird zunehmend zum Störfaktor: Wir möchten weiter machen wie bisher, fürchten aber den drohenden Kollaps. Also suchen wir Strategien, Bestehendes zu optimieren. Der Sozialpsychologe und Bestsellerautor Harald Welzer plädiert demgegenüber für eine Kultur des Aufhörens. Vor einem guten Jahr erlitt der bekannte Soziologe Harald Welzer einen Herzinfarkt. Das Ereignis hat ihn nicht nur persönlich verändert, sondern auch seine Sicht auf die Gesellschaft. Unser eigentliches Problem ortet er in unserer Weigerung einzusehen, dass wir radikal scheitern könnten – und dass es mit uns und unserem Leben irgendwann vorbei sein wird. Wer dagegen bereit sei, vom Ende auf die Gegenwart zu blicken, gehe anders mit dieser Gegenwart um. Um diesen Blick aufs eigene Leben einzuüben, hat er mit seinem neuesten Buch einen Nachruf auf sich selbst verfasst. Im Sinne eines Nachrufs über uns nachzudenken, helfe uns auch als Gesellschaft, schreibt Welzer: Aus einer imaginierten Zukunft lasse sich die Diktatur der Gegenwart am ehesten brechen. Barbara Bleisch fragt nach, was dieses Denken aus der Zukunft wirklich bringt und warum die Option des Scheiterns verheissungsvoll sein soll.
Welcome to another installment of The Reigning Champs Podcast! Also, be sure to use the email below if you're interested in us doing a sponsorship, promo, and anything else! Make sure to follow on Spotify and 5 star on Apple Podcast. ! Kick back and enjoy. #RAISETHEBANNER Adrian's Playlist: https://t.co/Qq5xfJWoRB?amp=1 For all inquires : email@example.com Adrian- Twitter/Instagram: @AD_Lite15 Javonn-Twitter/Instagram: @J_Easyy Boostz21 Twitch: https://www.twitch.tv/boostz21 JGLove5 Twitch: https://www.twitch.tv/jglove5/ Mix By: Dar @ntve_grvs NEW Atlantic Ave. Cruise Tape Vol. II https://soundcloud.app.goo.gl/WmkoUKT4y2ttzp2S6 Beat Made By: https://soundcloud.com/dkgbeats
Do you feel like you are late to the ball game in saving for retirement? Have you ever wondered if an annuity could take some of the stress out of writing your own retirement paycheck? Are you trying to figure out the best way to self-fund long-term care for you or your spouse? All of these questions come directly from listeners like you. If you have questions about retirement, Fridays are a great time to tune in. We are now releasing 2 episodes a week: one focused on the monthly theme and the other focused on listener questions. If you have a query of your own question head on over to RogerWhitney.com/AskRoger to submit your retirement questions. How to maximize retirement savings after getting a late start Catherine writes that this podcast has helped her get over the shame and frustration of not prioritizing her retirement savings earlier. Now that she has worked her way through those feelings she wonders what the best way to increase her retirement savings would be after getting a late start. Catherine is maxing out her 401K, and her husband has a simple IRA and no access to a 401K. However, if he could convince his partners to switch to a 401K he could max out the contributions and begin to expand their savings. Another way to get plenty of bang for your buck is to use an HSA. Many people don't consider the HSA as a retirement account, but it can be a great way to help play catch up. You can contribute up to $7200 per year to your health savings account if you are enrolled in a high deductible insurance plan. Not only do you get to use pre-tax assets, but you can invest those assets to use in retirement. If you invest your HSA aggressively, it can become like a supercharged Roth IRA. Would an immediate annuity be a good idea for Mary? Mary is considering purchasing an immediate annuity with the proceeds from the sale of her house. She would like to receive between $1000-2000 per month from the $300,000 profit. A single premium immediate annuity (SPIA) could provide this kind of stable return, but before she jumps into such an arrangement she should consider the pros and cons of this type of annuity. The pros and cons of purchasing a SPIA One of the main reasons that people consider purchasing an annuity is their ease. With the SPIA Mary won't have to manage her investments or worry about the markets. She'll be receiving a guaranteed income for the rest of her life. There is definitely an advantage to this kind of simplicity. On the other hand, if she passes away shortly after purchasing the annuity then the money will not be hers to pass on to her heirs. By giving up her $300,000 and committing to an annuity she loses out on optionality. One way to combat this would be to make sure to have liquid assets on hand in case of an unforeseen event. Press play to hear my thoughts on purchasing an annuity and to learn how to self-fund for long-term care. OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN LISTENER QUESTIONS [2:57] Getting over the regret of not saving better sooner [10:06] Tom wonders if there will ever be an audiobook version of Rock Retirement [11:46] Would an immediate annuity be a good idea? [17:34] How to best self-fund for long-term care Resources Mentioned In This Episode Rock Retirement Club Roger's YouTube Channel - Roger That BOOK - Rock Retirement by Roger Whitney Work with Roger Roger's Retirement Learning Center
On today's show we're answering another listener question. Emilio from El Paso Texas writes, I continue to enjoy your podcast every morning. I want to ask you if you had any references that you could share regarding how to adequately price an option to buy a piece of land. Any help would be appreciated. Emilio, this is a great question. Let's define first what we mean by an option. An option is quite simply a contract where you the buyer have the choice to buy a property, and the seller has the obligation to sell the property to you if you exercise your option. But if you don't exercise the option within the option period defined in the contract, the contract is cancelled. There are several ways you can structure an option in order to meet your specific needs as a buyer. Depending on the nature of the project, you may require more or less time to exercise that option. The terms that will be acceptable to both buyer and seller are a function of the amount of time you want the option to remain in effect. In a lot of cases, if that conditional period is short, in the range of a few weeks, maybe even a couple of months, you might pledge a fully refundable deposit. In that case, you are getting a completely free look. But if you're looking for a longer time period and the seller actually wants to sell the property, then they will likely demand a higher payment in exchange for the uncertainty in the sale of the property. I often see contracts written where there is a refundable conditional period of say, 90 days. That's a free option. You might then negotiate a few extensions into the conditional period where there could be a hard payment paid to the seller in exchange for the extension. Look at the contract from the seller's perspective. They have to endure the uncertainty of the property not selling at all, and in the meantime, they're barred from selling the property to anybody else who might come along with a firm offer. Most sellers are uncomfortable with that uncertainty. So if they are going to endure that uncertainty they will want to be compensated for it. As a minimum, you want to figure out what the holding cost would be for that period of time and consider offering an option consideration that would cover the holding cost. At least the seller's holding cost goes to zero and the impact of continuing to own the property would go to zero. It all comes down to understanding the seller's needs and negotiating a win-win deal between you. There is no one set formula. --------------- Host: Victor Menasce email: firstname.lastname@example.org
We talk some MLB, NFL, and an innovative new offense Rutgers football can install to get some points on the board through Adam Korsak called "The RPO" - The Run Punt Option. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app
Hey Everyone! Today I am going to be sharing my experience with PASSING the exam as well as having other amazing social workers discuss their experience of going into the exam to KICK IT DIRECTLY IN THE CHEST!!! If you want to share your experience, then send me an email or look out on my FB page for the next FREE Study Group. Audible Affiliate Link: http://www.audibletrial.com/PhilintheGaps -Sign up for the 30 day free trial to support me.Link to sign up for PAID study groups: https://PhilintheGaps.as.me/?appointmentType=category:Sunday%20Study%20Groups%20Tutoring schedule: https://PhilintheGaps.as.me/?appointmentType=11571837One Day Course: https://PhilintheGaps.as.me/OneDayCourseIf you have any questions here is how to connect with me:Email: Berda24@gmail.comFB Page: www.facebook.com/PhilintheGapsLLC/I appreciate all of the support
Since their beginning, NOVICA has paid over 100 million dollars in commissions to local artist around the world. Co-Founder of NOVICA, Roberto Milk is back to talk about the attention his company gives to the important aspect of quality. Their prices aren't the highest, but their quality is. He also discusses some of the bumps the company made in the process, including the hiccup the company experience to ensure their deal with National Geographic brought success to the company. • 30% of their artist's lives are changed forever. • Constantly heard… This will never work. • The 3 times they faced a financial crisis. • Data is in shared platform. • To win long term, get comfortable with the worst-case scenarios. • https://www.novica.com/ TIME-STAMPED SHOW NOTES: [12:16] Build a system, not a business. [22:57] Shared platform. [25:50] Behind the scenes.
Tune in this week as we discuss Accessory Dwelling Units. We speak to Robinson Markus, Worker-Owner at Evanston Development Center, and Chris Lee, Design and Development at Backyard ADUs. Click here for Insights from this week's episode. *Please take the time to rate and review us on Apple Podcasts, Spotify, or wherever you get your podcasts. It means a great deal to the show and it will make it easier for potential listeners to find us.* Thanks! Search #NCHV on social media to find us and email us here at email@example.com.
Option skew can be intuitively thought of as the direction and magnitude of the underlying's velocity of risk. For equities, this risk is to the downside whereas commodities see their velocity of risk to the upside. The direction of the underlying's velocity of risk can be determined by either looking at the symmetry of the option chain, or by observing the correlation between the underlying's price and its IV.
Option skew can be intuitively thought of as the direction and magnitude of the underlying's velocity of risk. For equities, this risk is to the downside whereas commodities see their velocity of risk to the upside. The direction of the underlying's velocity of risk can be determined by either looking at the symmetry of the option chain, or by observing the correlation between the underlying's price and its IV.
Welcome to another episode of the Decorate Like A Design Boss podcast. Today, I'll be talking about painting your trim, and I have a few tricks up my sleeve that will help you add a little magic to this element in your home. If you're painting your trim, make sure to tune in until the end because I will be talking about all the options you have to get the color right! Hop on over to my Blog to see how to get into my Insiders Club Membership for only 19.99/month. This special price is just for you, my listeners. As you are listening to this week's episode, tag me @kimberlygriggdesigns and take a screenshot of you listening. Be sure to also hashtag #decoratelikeadesignboss, for me to share your screenshot on my stories as a thank you! [00:00 - 03:15] Opening Segment Welcome to today's episode Take your interior design skills to the next level, join my Interior Design Insiders Club Today's challenge: getting the trim and/or doors and moldings in your home right [03:16 - 13:20] Getting the Trim Right Assess if the trim goes with your space's mood Marry the trim to the mood Call an expert when the two does not match Painting a stained trim depends on the vibe you are going for Things to consider to get the trim color right Option 1: Paint trim a white-ish color Option 2: Stained trim Option 3: Paint trim with a contrasting color [13:21 - 15:20] Closing Segment Episode recap Send your photos and questions, see links below Final words Tweetable Quotes: “ White is in my opinion, the most difficult color to specify in the entire paint deck.” - Kimberly Grigg Connect with me: Email me at firstname.lastname@example.org Visit my website: www.kimberlygriggdesigns.com Follow me on Facebook, Instagram , Pinterest Check out my Youtube channel You can also find the show on Stitcher and Spotify.
Also in the news; Illinois' COVID-19 infection rates are now significantly higher than they were four-months ago; an obsolete water tank is set for demolition in Palatine; the future of a triathlon in the far northwest suburbs is in doubt; Schaumburg is considering an extension of its outdoor dining season -- which is currently scheduled to end October 31st; and much more. See omnystudio.com/listener for privacy information.
So, now I've developed a way of talking about revolution as an option that can't be exercised, but that still has present value and I've set up a mechanism for saying what that present value is. Namely the value of the liquidity premium that a democracy that consents to maintaining accumulated wealth can extract for guaranteeing that the wealth continues to accumulate.Robert MeisterA full transcript is available at www.democracyparadox.com or a short review of Justice is an Option: A Democratic Theory of Finance for the Twenty-First Century here.Robert Meister is the author of the new book Justice is an Option: A Democratic Theory of Finance for the Twenty-First Century and a Professor of Social and Political Thought in the History of Consciousness Department at the University of California Santa Cruz.Key Highlights IncludeWhat is historical justice?An overview of financial termsHow is justice an option?Is capitalism compatible with justice?Will historical justice happen or is it just an option?Key LinksJustice Is an Option: A Democratic Theory of Finance for the Twenty-First Century by Robert MeisterA Theory of Justice by John RawlsSpheres of Justice by Michael WalzerDemocracy Paradox PodcastSheryl WuDunn Paints a Picture of Poverty in America and Offers Hope for SolutionsJacob Hacker and Paul Pierson on the Plutocratic Populism of the Republican PartyMore Episodes from the PodcastMore InformationDemocracy GroupApes of the State created all MusicEmail the show at email@example.comFollow on Twitter @DemParadoxFollow on Instagram @democracyparadoxpodcast100 Books on Democracy
Strategy and Innovation Expert Kaihan Krippendorff shares how to out-think the competition, how to come up with your next innovation and how being a force of good with your profits leads to even more success advertised or not. To learn more about Kaihan visit: https://premierespeakers.com/kaihan_krippendorff Beyond Speaking is hosted by Brian Lord and produced by Eric Woodie
In this Real Estate News Brief for the week ending October 9th, 2021... new conforming loan limits, self-touring option for home buyers, and a way to save gas when you're house hunting.Hi, I'm Kathy Fettke and this is Real Estate News for Investors. If you like our podcast, please subscribe and leave us a review. Economic NewsWe begin with two economic reports, from this last week, on the job market. The one for unemployment shows that initial state claims were down 38,000 to 326,000. Economists say it's a sign of a strengthening labor market. The unemployment numbers keep dropping and are getting closer to pre-pandemic levels, but we're not quite there yet. Before the pandemic, initial state claims were in the low 200,000s. Ongoing benefits were also down 98,000 this last week, to a seasonally adjusted 2.71 million. (1)The number of people collecting benefits from a total of eight state and federal programs dropped dramatically at the start of the month. They went from 11.3 million last month to just 4.17 million. That's mostly due to the expiration of a special federal program to help people hurt by the pandemic.The other job market report shows that 194,000 jobs were created in September. That's far less than a Wall Street forecast for a half a million new jobs. MarketWatch says the numbers are falling short of expectations because of low employment at public schools. The official unemployment rate did drop almost a half a percentage point. It went from 5.2% in August to 4.8% last month. (2)Mortgage RatesMortgage rates are teasing us again. After a brief rise above 3%, Freddie Mac says the 30-year fixed-rate mortgage dipped down two basis points, to 2.99%. The 15-year was down five basis points to 2.23%. (3)In other news making headlines…Average Mortgage Amount Creeps HigherLow mortgage rates can help offset higher home prices, but they aren't totally preventing loan amounts from rising. The average amount that homeowners are borrowing has risen to $410,000. That's according to the Mortgage Bankers Association. (4) The MBA's Joen Kan says: “Applications for larger loan amounts continue to outpace lower-balance loans.” In July, they had risen at an annual rate of 19%. There are more homes coming into the market right now, but inventory is still much tighter than it was a year ago, and that's putting a lot of pressure on prices.Higher Loan Limits for Pricier HomesTwo big lenders are responding to the need for larger loans by raising their conforming loan limit caps. PennyMac and United Wholesale Mortgage announced this last week, that they are raising their caps to $625,000. (5)That's about $75,000 more than the 2021 conforming loan limit of about 550,000 set by the FHFA. The FHFA is also expected to increase that amount for 2022, with an announcement sometime next month.Redfin's New Self-Tour FeatureRedfin is expanding it's “Direct Access” program to 22 U.S. markets. This feature allows buyers to unlock vacant homes with the Redfin app, and tour those homes without an agent. This will give buyers a faster way to look at homes they might want to buy. (6)ADT security is supplying the smart locks and sensors that allow buyers to enter the homes. They also keep track of who's entering and exiting. Once the homes are sold, buyers can keep that equipment.Redfin's Bridget Frey says: “In this hot market, more than a third of homes are finding a buyer within the first week, and buyers are hustling to see new homes as quickly as possible.” Newly added markets for the self-touring feature include: Austin, Boston, Dallas, Denver, Las Vegas, Phoenix, San Francisco, and Orange County California.Google Maps Intros New Eco-Friendly ToolYou might be able to save on gas as you tour all those homes by using Google Maps. The company has introduced a new eco-friendly tool that shows you which route is more fuel-efficient. (7)When the fastest route and the most eco-friendly route have a similar ETA, Google Maps will default to the eco-friendly one. Fuel consumption is estimated according to the incline of the road, traffic congestion, and traffic patterns. That's it for today. Check the show notes for links. And please remember to hit the subscribe button, and leave a review! You can also join RealWealth for free at newsforinvestors.com. As a member, you have access to the Investor Portal where you can view sample property pro-formas and connect with our network of resources, including experienced investment counselors, property teams, lenders, 1031 exchange facilitators, attorneys, CPAs and more.Thanks for listening. I'm Kathy Fettke.Links:1 -https://www.marketwatch.com/story/u-s-jobless-claims-sink-38-000-to-326-000-in-sign-of-improving-labor-market-11633610565?mod=economy-politics2 -https://www.marketwatch.com/story/u-s-adds-just-194-000-jobs-in-september-as-delta-worsens-labor-shortage-11633697488?mod=mw_latestnews3 -http://www.freddiemac.com/pmms/4 -https://magazine.realtor/daily-news/2021/10/01/average-mortgage-amount-increases-to-4100005 -https://www.housingwire.com/articles/pennymac-uwm-raise-conforming-loan-limit-ceiling/6 -https://www.housingwire.com/articles/redfin-allows-buyers-to-tour-homes-without-an-agent/7 -https://magazine.realtor/daily-news/2021/10/06/google-maps-can-help-you-use-less-fuel
#bitcoin (11/10/2021) Today: Bitcoiners far more educated than me talk about why Bitcoin, we've already gone over the cliff… and performing open heart surgery but telling the family they have a cough. Also… Most are doing it all wrong, the writing is on the wall for finance, why Bitcoin is the ONLY chance we have of hard sound Money… and finally some tweets and the live guest announcement for Thursday's show! MY VIEWS ARE MY OWN AND I MAKE NO PREDICTIONS SO DO YOUR OWN RESEARCH BEFORE INVESTING ANYTHING... & ONLY INVEST WHAT YOU CAN AFFORD TO LOSE! UK Bitcoin Master Video Archive: http://www.UKBitcoinMaster.com Bitcoin Interviews: http://www.BitcoinInterviews.com UK Bitcoin Master Podcast: UKBitcoinMasterPodcasts.com The Bitcoin Book: A Beginner's Guide to the Future of Finance https://amzn.to/3glAyBN Merchandise: Buy Trezor: trezor.io Buy Merch: https://www.lightninghood.com Buy Merch: https://www.bitcointothemoon.com Buy Merch: https://www.balconyshirts.co.uk Coinbase: https://www.coinbase.com/join/wallac_qf1 Support The UK Bitcoin Master: Leave a Lightning tip: https://tippin.me/@UKBitcoinMaster Leave a BTC tip: 3AQfQDVxz7Nyz68tJjwS44D7McvaWZvL2L The UK Bitcoin Master conducts Bitcoin consultations chargeable in Bitcoin at 0.006 BTC (Or a negotiable £££ fee) for up to an hour using Skype or Zoom video conferencing. Please note that he only consults on Buying, Storing on a Trezor and Holding, but he will also just talk Bitcoin if that's what is required. He DOES NOT advise on Trading, Mining, or Alt Coins! email him at UK-BitcoinMaster@pm.me to arrange a consultation.
The story of Lizzie Borden as only we could tell it. You've heard it before, but never like this. Part one, of a stunning three part series. Like the story of The Donner Party, Lizzie Borden captured the American imagination and stole the headlines of the papers that shared the news of their times. It was one of the most covered criminal cases in American history. At the end of last season, we told you the tale of discovering Hester Foster's true story, a woman who history had turned its back upon. Nothing had been written about her. Lizzie Borden, the woman at the heart of this episode, had entirely the opposite treatment. It seems too much has been written about her; TV shows, movies, books, chronicles and particularly fictional tales that have muddied and muddled her real story. And in many of them, she is often portrayed as a monster. Maybe she was. However, in the 1890s, in Fall River, Massachusetts, a white, upper-middle class, unmarried woman, forbidden to work for pay by family and society...had only two options to obtain financial security, freedom from sexual coercion and independence....She could either inherit it....or steal it. And then there WAS, one could say...that third bloody option. The Q Files is a personal, purposeful, paranormal podcast about the highly strange and weirdly unknown. Join us on our queer adventures as we explore the people, places, and phenomena, outside popular consciousness. The documentary series features astonishing stories about the paranormal, the supernatural, occulture, forgotten history, and the strange. Be Weird. Stay Curious. These are The Q Files. If you enjoyed the show, be sure to subscribe and leave a review. Stay in touch: Facebook: The Q Files Podcast, Twitter: TheQFilesPod, Instagram: TheQFilesPod The music for The Q Files is provided by Sounds Like An Earful.
How To Be His #1 Priority, Not An Option Dating in these current times is tricky. How many times have you started dating a guy, who seems fantastic, only to feel like he's talking to other people at parties instead of you? Or he's not calling as frequently as when the relationship was new? If […] The post How To Be His #1 Priority, Not An Option appeared first on Understand Men Now With Jonathon Aslay.
3PM - Hanna Scott: Opt-out option for Washington's long-term care tax begins Oct. 1 // US government ordering Google to provide users' search data // Tony Bennett and Lady Gaga prepare for Bennett's last big concert See omnystudio.com/listener for privacy information.
CEO Brian Nabavi talks about the current state of the country and how now more than ever is the time to stand up and represent what you believe in, no matter the opposition. He goes over how important it is in business to find the purpose that lights your drive on fire, even if that means putting your own back against the wall. Now is the time while everyone is going on defense, to go on the offense and take charge by betting on yourself.
Uniform Transfers to Minors Act allows gift givers to transfer money, real estate or fine art to minors without the need for a guardian or trustee. UTMAs, a tax efficient gifting option, are an inexpensive way to give minors a financial leg-up, but there are limitations and cautionary notes you need to consider. CFN's John Walker is joined by Kathy Mandelbaum, Associate Professor of Law at Temple University. They discuss this tax efficient gifting option and detail the pros and cons you need to know. Listening Time: 27 minutes
Stevietpfl and Eys819 talk about the 4-game MLB slate for Friday. They also talk about the Sunday Night Football game. Presented by PrizePicks.com, sign up using promo code “Grinders” for a 100% match deposit up to $100.http://scoresandodds.com/stevietpflhttps://rotogrinders.com/premium – RotoGrinders Premium offers Single Sport or Combo options so you can get the Premium package you need to set you apart from the competition!https://rotogrinders.com/live – Check out RotoGrinders.com for daily strategy shows that will help you with your FanDuel & DraftKings games. All shows will give you FREE daily fantasy sports advice, expert picks, live chat and more!https://grinde.rs/RGNFLpodcasts – Subscribe to the RG Daily Fantasy Football Pod feed to get all the latest episodes to our content as they're published throughout the NFL season!
Your brand needs protection.Let me say it again: Your brand needs protection. In this highly open and viral world we live in, it's no surprise that good business ideas and products are becoming easier to use as inspiration, or just flat out stolen, by new and established brands. All it takes is a Google search and endless examples of brand names, logos, and products will be there for the taking.So, how can you protect your brand from thieves and copycats?Trademarks.A trademark gives you nationwide exclusivity for your branding–your name, your logo, your tag line. Your brand's identity is not officially yours unless you register the trademark. So you must understand that trademarks are not an option; they are essential.So, how do you get a trademark?Today I have expert trademark attorney Tom Ladegaard on the show to tell you all about it!If this podcast is helping you in your business than help us promote it by following us or leaving us a beautiful 5-star review! Thank you!Subscribe to Howie Grow A Brand on YouTube: https://bit.ly/3hV3BvyHowie Grow A Brand on Social Media:► Follow on Instagram: https://bit.ly/2XeMg8V► Like on Facebook: https://bit.ly/30iPQkB► Connect on LinkedIn: https://bit.ly/30fHGsVSign up to receive my updates via Email on EdHowie.com: https://www.edhowie.com
Trainiere dein Hörverstehen mit den Nachrichten der Deutschen Welle von Donnerstag – als Text und als verständlich gesprochene Audio-Datei.Erstes Dreier-Gespräch zur Regierungsbildung Elf Tage nach der Bundestagswahl treffen sich an diesem Donnerstag SPD, Grüne und FDP erstmals zu einer Dreier-Sondierung in Berlin. Das Ziel ist, eine sogenannte Ampel-Koalition in Deutschland zu bilden. Nach Zweier-Gesprächen auch mit den Unionsparteien CDU und CSU hatten sich Grüne und FDP am Mittwoch für Gespräche mit den Sozialdemokraten entschieden. Parallele Verhandlungen mit der Union über eine sogenannte Jamaika-Koalition soll es nicht geben. Nach Angaben von FDP und Grünen bleibt ein Bündnis mit CDU/CSU aber weiterhin eine Option. IS-Anhängerinnen zurückgeholt Deutschland hat acht deutsche Frauen samt Kindern aus Syrien geholt, die sich in der Vergangenheit der Terrormiliz "Islamischer Staat" angeschlossen hatten. Sie seien mit einer Chartermaschine in der Nacht zum Donnerstag in Frankfurt gelandet, teilte Außenminister Heiko Maas mit. Die Frauen müssten sich nun vor der Strafjustiz verantworten, ein Großteil von ihnen sei nach ihrer Ankunft in Haft genommen worden. Deutschland hatte die Aktion laut Maas gemeinsam mit Dänemark organisiert, das 14 Kinder und drei Frauen zurückholte. Alle lebten in einem kurdischen Gefangenenlager. Die USA leisteten logistische Unterstützung. UN verschärfen Ton gegenüber Äthiopien UN-Generalsekretär António Guterres hat vor einer "immensen humanitären Krise" in Äthiopien gewarnt, die ein sofortiges Handeln erfordere. In einer Sondersitzung des Sicherheitsrats der Vereinten Nationen in New York rief er die Regierung in Addis Abeba dazu auf, humanitäre Helfer ihre Arbeit machen zu lassen. Bis zu sieben Millionen Menschen sind laut Guterres in den Regionen Tigray, Amhara und Afar dringend auf Hilfslieferungen angewiesen, um zu überleben. Scharf kritisierte der UN-Generalsekretär die Entscheidung der äthiopischen Regierung, vor einer Woche sieben UN-Vertreter des Landes zu verweisen. Texanisches Abtreibungsverbot gestoppt Ein US-Bundesrichter hat das neue Gesetz für ein weitgehendes Abtreibungsverbot im Bundesstaat Texas vorläufig ausgesetzt. Richter Robert Pitman gab damit einer Klage der Regierung von US-Präsident Joe Biden statt. Diese hält das texanische Gesetz für verfassungswidrig. Texas kann gegen die Gerichtsentscheidung allerdings Widerspruch einlegen. Das strengste Abtreibungsgesetz der USA war Anfang September in Kraft getreten und verbietet Schwangerschaftsabbrüche ab dem Zeitpunkt, zu dem der Herzschlag des Fötus festgestellt werden kann - also etwa ab der sechsten Schwangerschaftswoche. Parlament in Ankara bestätigt Klimaabkommen Als letztes Mitglied der G20-Gruppe hat die Türkei das Pariser Klimaschutzabkommen ratifiziert. Das Parlament in Ankara votierte einstimmig dafür. Präsident Recep Tayyip Erdogan hatte den Schritt im September vor der UN-Vollversammlung in New York angekündigt. Bislang deckt die Türkei ihren Energiebedarf zum größten Teil aus Kohle, Gas und Öl. Im Klimaabkommen von 2015 verständigte sich die Weltgemeinschaft darauf, die Erderwärmung wenn möglich auf weniger als 1,5 Grad Celsius zu begrenzen. Die nächste Weltklimakonferenz findet im November in Glasgow in Schottland statt. Durchbruch bei Malaria-Bekämpfung Die Weltgesundheitsorganisation WHO hat erstmals die breite Anwendung eines Impfstoffes gegen Malaria empfohlen. Das Vakzin RTS,S solle an Kinder in Afrika südlich der Sahara und in anderen Malaria-Regionen verabreicht werden, hieß es aus der UN-Behörde in Genf. Dies sei ein historischer Moment, sagte WHO-Chef Tedros Adhanom Ghebreyesus. Zusammen mit bisherigen Präventionsmaßnahmen könnten nun jährlich Zehntausende junge Leben gerettet werden, sagte er. Die Empfehlung beruht auf Pilotversuchen mit rund 800.000 Kindern in Ghana, Kenia und Malawi. Tote und Verletzte bei Beben in Pakistan Ein starkes Erdbeben hat einen abgelegenen, bergigen Teil im Südwesten Pakistans erschüttert, in dem viele Kohleminen liegen. Die Behörden sprechen von mindestens 20 Todesopfern und mehr als 200 Verletzten. Das Unglück ereignete sich am frühen Morgen, als viele Bergleute bereits in den Minen arbeiteten. Nach Angaben des Innenministeriums der Provinz Belutschistan hatte das Beben eine Stärke von 5,7. Das Epizentrum lag etwa 14 Kilometer nordöstlich des besonders heftig getroffenen Bezirks Harnai. Zahlreiche Menschen befinden sich laut Katastrophenschutz noch unter den Trümmern eingestürzter Gebäude.
Eddie shares his trading journey and how to transitioned from a Startup CEO to full time trader. Allen: Hey passive traders, how you doing? This is Allen back with another episode today I have one of my good friends with me, Mr. Eddie So. He is an amazing Options Trader and he is 100% bought in, he loves what he's doing. And he's going to share with us some of what he is doing some of his results and his lessons that he's learned along the way. How are you doing any? Eddie: Doing pretty good. How are you, Allen? Allen: Good, good. Welcome to the show. Thank you for doing this. Eddie: Sure. Happy to. Allen: So Eddie, tell me tell me what do you do? Eddie, what do you do? Who is Eddie? Eddie: Yeah, so I started my career. pretty young. I think I've held a job since I was 15. And then I got into, I guess, my career job, if you call it when I was about 19, I was actually in financial services, I worked for Citi group for almost 10 years, I started as a bank teller and worked my way up. And you know, it was at one point a manager managing branches. And then just before I left, I actually I was on my way to becoming a stock broker, basically, I was getting my licenses, and actually had my series 663, I was going through and getting my series 7. And I live in the San Francisco Bay area, right in the heart of the Silicon Valley. And at that time, was right before the dotcom boom, and or bust, I should say, booming. And, and I was, you know, I noticed all these young guys around me, you know, making really good money in tech. So I decided at that point to make a career change after 10 years, and I got into tech. And so for the last 20 some odd you over 20 years, I've been in the tech industry here in the valley, I you know, always in some sort of sales capacity, whether it's business development, or partnership sales. And when I sort of got out of the working world, yeah, I had worked up to the executive ranks. And I was running in sales teams and partnership sales teams, for various tech companies. So I've worked for companies, small and large, you know, small startups all the way up to really large, you know, 100 billion dollar companies. Allen: Awesome Eddie: And then I left tech and I started my own startup that has been something I had wanted to do. And unfortunately, I started right at in 2020; and right before COVID hit. So we took a little bit of a hit, I knew we wouldn't be able to weather the storm. But I knew I had to wait, right? And so we're still in stealth mode. But one of the things that I realized is going through options, and this whole Option Genius thing. And trading just sort of came back around. Because I was actually a little bored during the pandemic and I was looking at, you know, what else can I do? And you know, maybe I could get some income I used to trade and and that's how I stumbled across Option Genius. And then I came to the realization of, well, why am I putting all this money into my startup, I could be putting all this money into investing. And so I made the decision earlier this year, having gone through your program for probably like six to nine months, I had seen enough and done enough and experienced enough to make a decision that you know what, as of January 1, 2022, so next year, I am going to basically live off of trading, meaning I won't be doing my startup anymore, because I think a lot of money into a timing wasn't the greatest and I'm thinking my returns are a lot better with trading. And I don't work, you know, even you know, it's a fraction of what I've done in terms of work versus a startup. So.. Allen: That's a pretty big move right there..you know? Eddie: Yeah, you know, I've been pretty fortunate in my career. I've worked hard, I've been pretty fortunate as well I've been part of some IPOs in Valley here and so it's you know, it helped me be able to sort of save up the startup right to fund the startup because in you know we were all have few partners and we're self funded where we were not at the stage where we're you know, looking for funding so it's actually early enough for me to get out still, and still have a decent amount to invest to make a living off of Allen: So are you going to get that money back that you put in or is that lost? Eddie: Yeah, so I'm you know, I'm going to continue as an investor but more on the silent sort of investor side versus you know, being an operations so I'll get that money back eventually. I may even invest more into it but I just will be sort of a silent investor non operational versus what I am today which I pretty much general you know, GM right now. Allen: So Okay, so let me see if I can recap that. So you were doing you've been doing well. Obviously, you're in you know, San Francisco, very expensive to live there probably one of the most expensive cities in the world to live. So obviously, your expenses are pretty high and your income has to be pretty high to match. You decide, hey, you know what, I'm going to start my own company. So you start that, doesn't go as as expected. And so while you are trying to get that off the ground, decide, hey, you know what, let me try something else, too and I learned this whole Option thing. And then you said, Okay, I'm doing better at the options, then at my job thing, so I'm gonna just switch. Eddie: Exactly, and it takes so much less time, right? I mean, if anybody's started a company, like yourself, right, you know, you're working, you know, 24/7. And so for, you know, for a larger return, and a lower amount of work and time of working, you know, it's a no brainer. Allen: Right, so how long have you been doing options, the way you've been doing it now? Eddie: Well, the way I've been doing it now with Option Genius, it's probably about a year or so like, you know, when I was like a city, city group, I did some trading and you know, but that was sort of small time, I was mostly buying options, and I wasn't very successful at it. And then now, you know, during the pandemic, as I was looking around, and searching, researching, I started swing trading a little bit. There was a service through Investor's Business Daily IBD, that they had a swing trading program, that they, you know, they basically just tell you when to get in and get out. And I did that I wasn't very successful, and you had to sit in front of the computer all day, as soon as you got one of the alerts, you got to run back and put in the trade or get out. And so that didn't work out too well. And I did just didn't really like the model. And I stumbled across Option Genius, I think you guys came up in one of my social media feeds, I don't, I can't remember his facebook or something, or through the web, it was online somewhere. And I looked at all your courses. And I thought, wow, this is, you know, this is exactly what I want to learn, right? Because I knew about Option just from my financial background, but I never really got deep into it to the point where I was really confident and having, you know, consistent success. And that's when I dove in. And, you know, I started with the oil program, as you know.. Allen: Right.. Eddie: And had some successes there, which then got me very interested in as credit spreads or layup spreads, yeah, lay up spreads. And then, so then I joined and subscribed to Simon says, and then I got, you know, I thought, Wait, I want to learn how to do this myself. And so I joined your credit, credit credit mastery course. And then after that, I read your passive trading book. And I wanted to get into passive trading, because then again, that means less work ahead, and I joined the passive trading group. And then most recently, you know, everything has been great. I just keep on wanting to learn more. And I most recently, I just completed your iron condor course, right? And in my mind, I want to have different strategies to execute depending on what the market does, right? Directional trades are great when you have a great bull market running like we have. But I also want to be able to trade successfully if the market is just going sideways or down and just have the sort of Arsenal to be able to handle whatever the market does your courses do that right? you enable people like myself, your students to be able to have that sort of all around education or knowledge. Allen: Yep. Yep. I mean, we try to have something for every single market you know, and, and you kind of did it the opposite way. We kind of tell people "hey, you start with passive you know, build up something there, learn the basics, and then you can move up to credit spread mastery, and then iron condors and then get into oil last" because it's probably the most advanced he just you went the opposite way. And he started with the toughest one first, and then you, you end down but you know, either way it works as long as it makes sense. Right? So.. Eddie: Yeah, it made sense to me. And maybe because I had my financial background, but yeah, you're you're absolutely ready for somebody. Yeah, that was probably the thing for me. I wouldn't call it a regret but I wish I had to do over I will probably have started with passive trading and work my way up in that sort of curriculum the way that you just described I think starting with oil was a was definitely a little backwards. Allen: Yeah, I think maybe though, that might have helped you to get it off the ground faster. Eddie: True Allen: You know, because with the passive trading, there's different strategies involved. And so it's like, oh, do I do this one, let me learn about this one. They learn we learn about this and they learn we learn about this one. Sometimes people get confused or they get you know, it just takes too long for them to get through it. Where oil options is just one strategy you know, just say, hey.. Eddie: True. You're right. Allen: This is it. This is what we're doing this way we're doing it Boom, boom, boom, it works. Here's money. Oh, yeah, a success, right? Eddie: Yeah, you're right. Because thinking back that's what sort of got me into it and more excited as I was having quick successes with what I was learning in oil, which is what got me interested to the next one, and so forth. So yeah, you're probably right. Allen: I think we might have to restructure.. Eddie: The curriculum Allen: Yeah. So you've been doing this for about a year now? And how have you been doing, how are your results? Eddie: Pretty good, I'm at for the year, the date right around 60 a little higher than 62 or 63% year to date. So somewhere around there, and you know I follow the rules, right? And I shoot for 10% every month. The interesting thing though, is that when I looked back at my trades, what I learned is that every time I lost, it was because I didn't follow something in the rules. And so had I followed the rules. I think I would probably be somewhere in the 70s.. Allen: Okay. All right. Eddie: So lesson learned for me yeah is is you know, you just got to follow the rules don't let the emotions or anything get to you you know you have to be very disciplined in how you invest and if you you know those rules came from years of your knowledge and experience right? And doing this so you know, you just gotta follow and don't let anything else get in the way and you'll be fine. Allen: That's probably the hardest part, following the rules.. and it used to be me, I don't follow them 100% of the time either and then we get burned.. Eddie: Right! I sometimes think oh, you know, I think one of my mistakes earlier on I was I was actually I believe too much in the market or I was too much of an I was too optimistic if you will, I would be down on some and I wouldn't get out at 25% right which is what the rules say. And so you know then I watched it and I just watch it kept watching it and it just went down down down also and I'm in the money so you know luckily I was saved a few times where you know came back up and I took you know less of a loss but in general again you know, it's I should have just followed the rules and everything would have been fine. Allen: Yep, I mean well said. I mean it's easier it's easier said than done right? I mean you've been there and it's like okay emotionally I want to do it but it's gonna come back it's gonna come back and then that I think that discipline part is is the thing that comes in last after years and years of like, you know, getting your butt kicked over and over again, I think that finally we finally get smart enough to be like okay, fine I'm gonna get out you know and then eventually you get to the point where like right now it's all fresh it's all interesting and it's all new so the money aspect and you know getting that return and be like oh man, you know I want to get up to 100% this year. Oh, you know if that's your goal, it's really motivating eventually after a while you get to the point where you know what I'm just gonna try not to lose money - that becomes a whole new ballgame it's like yeah, I'm gonna put it on and most of the time it's just gonna work but the month that it you know the month that he gets in trouble I just don't want to lose money. You know? And then if that's if that works then overall at the end of the year I'm going to have fine, so it's not like we don't want the roller coasters we just want steady steady steady a little bit dip okay and then steady steady dip and if they so, but you'll get there I mean, eventually it just yeah, I think it's a natural progression mental aspect as well you know, it's not eventually you'll get to the point where they okay another winning month, go home, you know, it's not that exciting anymore. But yeah, so I mean 60 some percent for the year would you say 63? Eddie: 63 Allen: 63% for the year to date and I mean, we've only been you know, eight months so that's freaking incredible. You know, very kudos to you, man. That's awesome. Eddie: No thank you. Appreciate it. Allen: So I did want you to show me or show everybody your license plate. That was really cool. what you just did. Eddie: Oh, yeah. I don't know if this was a podcast or.. Allen: We're recording. We're gonna show the video too, we put up on YouTube but.. Eddie: Yeah, so I just got this license plate. This is Yeah, I wanted to surprise Allen during this during this video. It just sort of shows how committed I am. You know, I love it. I live this stuff every day now. And it's exciting. I think it's exciting and fun. Right? And I wish I actually would have found out about this sooner and had done this when I was you know, a little younger even. You know, never too late. Allen: No. I mean for those of you guys who are listening on the podcast, Eddie has a license plate OP TRADER oh no sorry OG TRADER no was it OP, no OP TRADER, yes, Options Trader.. Eddie: ..for option trader. Allen: I like it. I like it. And I love the colors too. Looks really nice. So is that gonna go on your Lamborghini? Eddie: No, another car. It's already on there. One day, I can do that. Yeah. So no like that. Hopefully that tells you I'm all in. Allen: Okay, so now you said you're all in and you're going to make the switch permanently or full time to trading in a few months from now. So what size account will you be playing with at that time? Eddie: Yeah. So I think in order to be totally comfortable, being able to make a living, and also keep in mind that, you know, I'm not always going to get the 10% every month, it's going to be about a million dollars. And so the look at, you know, even Of course, 10% is great a month, right? On a million bucks. Yeah, you can definitely, you know, live off that. But even if.. Allen: Yeah I think you can you live off that. 100,000 a year. Eddie: Right? And I'm thinking, Jesus, you know, I could be doing this or putting money in the startup, right, which that will come but it's gonna take a little bit more time. This is more immediate. Allen: Okay, so now how are you going to break that up? Because you've done you're doing oil options, you're doing layups, and then you're also doing stock? So how are you spreading that out? Eddie: Yeah, so actually, before I even get to, to that, let me just mention I was gonna say this earlier is, I spoke with my accountant and he actually said, Hey, Eddie, you know, I advise you to actually form a business, create an LLC, and trade in your LLC, because you'll have certain tax benefits, you can write off the Commission's and the and the fees, and you can write all the courses you're taking, of course, I'm not giving, you know, accounting or tax advise here, this is just what my, my accountant told me. So everybody's listening, maybe you ask your own attorneys. But so what I've actually done was just earlier this week, I formed a new company in California - an LLC, just to trade and I'm in the process of opening an account with TD Ameritrade. So I can move from my personal account to this business account, you know, to trade, and there's some liability stuff to there that permit protection from you get sued. You know, they don't go after your personal assets. But I just thought I'd throw it in there. Because you know, it's important if you're going to do this full time, I think. Allen: Yeah, for sure, for sure. And then especially, like you said, the liability thing, you know, when you get into the bigger numbers, you get into a car accident, or your wife gets into a car accident, or somebody slips and falls in front of your house, they can go after all of your personal assets. That includes your trading account. So you know, if that's what you're using to pay all the bills, you want that set off aside in a separate place where nobody can touch it, and if it's a totally separate thing, so I really like the fact that you you've gone ahead and done that. It's very important. Eddie: Yeah, no, I thought it was too and I have some real estate too. And I keep that separate from that. And it just makes sense all around. Allen: Hmm, yep, yep. Okay. Eddie: And then so in terms of sort of how I split it up, right now, I'm doing about 75 to 80% credit spreads. Allen: Okay. Eddie: In my mind, I think that's a little high. That's why I took your iron condor course, because I felt like, you know, I, you know, in a good bull market, the credit spreads, directional trades, you know, we'll be successful. But what if we go into a sideways market? What am I going to do then. And so that's where the iron condors would come into play. And I also moved my IRA from JP Morgan to TD Ameritrade without paying somebody, you know, a good amount of money to manage it. I was part of their private client program. And they were doing everything and I'll paint a bunch of fees, I got my statement, I looked at a bunch of fees. And I'm like, you know, I could do better than this. So I got rid of them. And I just transferred it over to my TD Ameritrade account, so I can manage it myself. And what I plan on doing there is selling covered calls, and maybe cash secured puts and, yes, I have a you know, more well diversified portfolio than, you know, just doing mostly credit spreads. Allen: That's awesome. Yeah, so I was I was gonna say that, you know, if you're doing that much, and it's if that's the whole size, but obviously you have your trading account, and then you have your retirement funds. So in the retirement funds, we want something a little bit more stable, maybe, you know, something that's gonna instead of like our options, who you know, they last a month or two things expire, the stocks if you're owning or ETFs. Like if you get an index ETF or something, you can just hold on to that for the next, you know, 10, 15, 20 years, however you need to and keep cash flowing that so that's what we talked about in the passive program. And then in the credit spread mastery, that's the one that you're talking about with the the credit spreads and the layups. So, I guess, you know, I guess depending on what your goals are, you know how much you need every month. You might even, you probably don't need the whole million depending If you, you know, if you get aggressive and you use all of it or most of it, then obviously you're probably gonna have a lot left over. But you know, thinking about Hey, making 5, 6, 7 percent a month, that's still gonna grow pretty much. So I think we get to the point where, okay, you know, like you were talking about the discipline issue where "Hey, I'm gonna let it go", well now it's like, "okay, I don't need a whole 10% You know, I'm fine with like four. So if I'm up a nice amount, you know, do I wait until the end of the week? Or do I wait till expiration? Do I wait till I'm up 10% on this trade spread?" Maybe I don't, you know, I'm up 7% "Hey, I'm taking my money, and I'm going to the beach". I'm up, I'm done. I'm done for the month, I don't need to worry about it. So I think that gives you when you have more money than you need, because a lot of people do that they do the opposite, especially when they're like, Oh, yeah, I want to I want to get into trading. I'll do it full time. But I need to make $10,000 a month. Okay, great. How much money do you have to trade with? Oh, I have 50,000. It's no, it's not gonna work. You know, there, even if you have 100,000, if you have to make that 10% every month, that stress level on you, it just rises exponentially much higher that pressure, and then you start making mistakes. Allen: So I mean, you know, I don't know how much you need every month to survive. I'm assuming it's not going to be 100,000. But, you know, if it's like, "Hey, I have more money than I need. So I don't have to hit that 10% goal". If you can hit it, that's great. That's awesome. Maybe that's enough for two months, you know, and if you like "Hey, you know, for some of these months that we've talked about in the past, you know, some months are really rocky in the stock market, September being one of them, October being one of them. So if you have, you know, if you're doing really well and you're up 60, 70 80%, like you are now, September, October, maybe you're like, you know what, I think I'm gonna take a break, I'm gonna go on vacation these two months, and I'm not even going to risk it. Right? It's like, what's the, what's the thing, I could lose 30%? or I can make 10%? Do I want to try it? You know, and then maybe just don't and obviously, you'll see that when you actually do it over time. And you'll see what are your tendencies and what months are good for you and not and, but I really like the way that you're thinking about it, you know, it's like, hey, in a bull market, I'm going to be doing these spreads. Sideways market, I'm gonna switch over to condors a little bit more, you know, in the down market, you can go back to spreads, but the spreads, they'll work even in a sideways market. It's just, if it's very volatile, then that's the one that we don't want to play in, because we don't know exactly which way it's going. So if it's going sideways, we can still play a layup or a credit spread, but it's not as.. It won't be as comfortable as we normally are. Eddie: Right. Allen: So then how much of it how much of the account will be in Oil Options? Eddie: Probably around 15. Okay, times 20 that's a good amount on depending on the month, but again, you know, I want to diversify even more, if I can right? You know, I may even you know, later on when things get are sort of more streamlined for me, and I've reached my goal. I need to look into other commodities too, right? Besides oil. Yeah, well, you have that again, a further level of diversification besides equities and just oil. Allen: Right now how much time are you spending on your trading? Eddie: Not too much I spend a little bit of time when I'm putting the trades on so I do my research, I look at the charts just like you taught us you know, I'll take a look at news to see if there's anything affecting it Look at you know, all the different things on the checklist and the rules you gave us that takes I don't know maybe an hour when I do that, but after that and I usually do monthlies right and after I put it in and the rest of the month I'm in the morning you're just sort of looking at it, right? Maybe I'll look at it once in the morning once usually around noon before the market closes in Pacific time my time to just make sure nothing you know happened and then that's about it. And you know, then I'll work in most of the time if I'm up in a certain amount really fast for one particular stock or trade, I'll just get out and take the game and then go back in if there's enough time for the month so then you're sort of double dipping and so I'll watch for that and then you know and then apply that accordingly. I don't even adjust that much to be honest with you because I you know I thought about you know what Simon Says does write on his layup spreads and you know, the fact that you've done back testing and you know sometimes even if you don't adjust you end up doing better than trying to adjust and save the trade. I've gotten to a point where I just get out you know if it if it's you know, it's gone to a certain amount I'll get out and I you know, maybe I'll get back into that stock maybe the next month. But most of the time I've been getting into something else, and not worrying about that one, that lost one. Allen: If you can get to that level emotionally, it just takes all the stress away. You know, yeah, you'll you'll know at the beginning of the month, you'll be like, you know what I'm putting on these. And I'm gonna ask you this question, you know, how many trades do you put on every month at the, you know, at one time how many trades you have, but like, let's say you have 10 trades on you're like, you know what, I'm gonna probably gonna lose on two or three of these, the other ones, they're gonna make money. So when I get one, like, Oh, that was a loser. Okay, I'm taking it off. Let me go find something else. And that just takes all the stress away, instead of Oh, my God, this one has to come back. Whoa, yeah. And then you're watching it every day, and you're worried about it, and you're checking the news, watching, you know, your business channels and all that. And it just, it's not how it's supposed to work out. And the cool thing about the Simon says, trades, I mean, we have nine years of real money, you know, it's not even back tests. It's like real money trades, that are that are the results. And it's like, okay, okay, I think that, you know, it's been through up markets down markets, bear bull, all of them is like, Okay, I think this is a little bit stable. Now, I think this actually worked. So I feel pretty confident being like, Hey, you know what? This stuff works, you know, to go out and say it, before the first few years, I was kind of hesitant, you know, it'd be like, yeah, hey, this is our track record. You know, you make up your mind, you think about it, you look at it, and if you want to do it, you do it. But now after nine years, I can I think I'm pretty confident in saying, "Yeah, you know, this stuff works". So if you wanted to do it just do it, right, so, so let me ask you, how many trades do you have on total? Eddie: Well, this month, I'm being cautious, like you said, you know, you sort of warned the class and I so I'm in less, but typically, I'm in about 10 to 12 a month. Allen: Okay Eddie: Usually what I do is I have, instead of a 10% goal, which I use as a sort of an overall metric, I typically have a goal for $1 amount goal for each trade I put my place in, so I'll know and I'll put the same amount of money, the exact same amount of money in every trade, right? So not gonna do little here. And then more on this one, everything's the same. So across the board, so I know exactly. "Okay, What's a 10%? gain, for example? And what's 25% gain? What's that dollar amount, I can get in or whatever. And so, I know from the odds that, you know, you need to be doing about 10, trades, you know, 10, 12 trades in order to, for me to hit that dollar goal every month. And so, you know, so that's typically about 10 to 12. And I think, you know, you're telling us too, you sort of taught us, hey, in terms of the number of trades, you know, get don't get to a point where it's, you know, difficult to track, right, and I think, you know, be beyond 10 or 12, would probably be hard for me, I'll lose sort of lose sight. I don't follow the news. I'll miss stuff and so that seems to be the sweet spot. Again, according to the rules of where I try to stay about 10 or 12 a month. Allen: Right. Okay. Sounds good. So now, while you've been doing this, what was the biggest challenge that you faced in terms of implementing or learning? Or what was the hardest thing that you had to overcome? Eddie: You know, I think for me, if it's a little bit different, I actually jumped in pretty quickly. I didn't do very many paper trades. I think my you know, regret as I think, in the beginning, I was sort of too optimistic. And I would do a trade and I'd be, it'd be down, I'd be like, Oh, no, I'll go back up. And also, the next day is really down, right. And so if I had to do over again, I would probably do a lot more paper trading, to the point where I would do it for probably three months. And until I have that sort of consistent return, then I would maybe switch over again, this is what you teach in the class, and I didn't listen. And so you know, I mentioned before, the time that I lose is when I don't follow the rules. And this is one of the first rules you taught us. I didn't follow it. And in the beginning this last year, right? In 2020, when I first started, you know, I had a couple of couple of losses there that hurt. And, you know, but I've definitely learned from it. Allen: Right? Yeah. So if I remember, if I remember the first couple months, you took some you took a big loss. And then after that, then he was on fire, and you were just doing 10%, 10%, 10% every month. Yeah. Eddie: Yeah. After I learned the lesson of following the rules, I decided I told myself, you know what, I'm not going to let any you know, emotion, good or bad, optimistic or pessimistic? I'm just gonna follow the rules. And so I did that. And so I was doing pretty good. I was hitting, I think there's three months in a row where I hit 10% like running, you know, one month, month after month, and so I ended up doing pretty good. Allen: So do you think that's, that's what it was that what clicked for you? Is like, Hey, I'm just gonna, I'm just trying it on my own. I'm trying to, you know, adapt on my own, but if I just, I had there's a road there, I just need to follow the road. Eddie: Exactly I came to this point where, you know, I took a big loss. And I thought to myself, shoot, should I be doing this? And I thought about a thought about a loss and, you know, lost sleep over a couple of nights. And I thought, you know what, you know, these rules were developed, you know, on purpose. And it's based on years and years of trading experience, right from you and the team. And so why am I not following these rules. And so I had to have sort of that heart to heart with myself to say, Eddie, stop being too optimistic or stop, you know, doing things that are, you know, that go against you. Just follow it, do it for a few months, and see what happens. And that's what I did. And that's when I had those three consecutive months of percent. And then I'm like, now I'm looking back, you know, so wanted to, you know, sort of smack smack myself in the back in the head, you'll want to just do that in the first place. Right? So, but it was a lesson learned. And that's, you know, one of the things going into this year that I told myself, is that, you know, I must, you know, just follow the rules. And you know, I think we've done pretty well there. Allen: Cool. So now the spread trades, how do you find them? Eddie: Yeah, so I'll go through the charts exactly, as you explained it in the training, look at the trends pretty much step by step, what you look at, you know, what you shared with us, what really helped me is that the credit mastery course that I took- that was different than your other courses, because your other courses were mostly videos, and maybe some homework here and there, which is good because it you know, reinforces the knowledge that the credit mastery course was good in that we did it for three months straight, every week for a couple hours, the same trade, you know, same looking for the trade staying, you know, how to look for the trade, how to, you know, evaluate one trade against another, and, and, you know, then placing the trade, choosing the trade and then actually placing the trade. And that helps so much, because after that three months, and we're just doing it over and over again, where now I can you know, I know all the math and everything of what I need to do, I don't have to look at a cheat sheet, I'll just figure out on calculator real quick, what's the, you know, what's the max loss? What's the max, you know, Max, gain - a note, you know, I have all that ready to go. So I could be a little bit faster. And so, you know, getting back to your, I guess your your question about how I go through the Choose the trade, really just I followed your steps. Allen: Do you have any favorites? Eddie: Yeah, so I've, um, I just haven't been in the tech industry for a while, I tend to like the tech sector. I mean, it's been obviously it's been doing well. So, you know, your your typical Google Apple, Cisco for a while, you know, those types of companies again, you know, what he taught us? You know, I don't do any smaller companies, right. I, you know, I want big, strong companies that, you know, won't, you know, won't lose a significant price overnight. Allen: Right. Eddie: So the big strong guys that usually in the tech sector, right now, as I mentioned before, I'm in Google for this period, and then PayPal, but I also try, obviously, you know, I try to diversify, too, right? I don't want everything in tech. Right? I don't want everything in credit spreads to begin with, that I don't want everything in tech, I try to mix it up a little bit. And you know, how I usually go with the trend of what's in the news, too, right? You know, okay, it's reopening stocks, okay, which kind of, you know, is a Travelocity or, you know, airline stock, and you know, and then if it's a, you know, it could be a growth, it could be a growth period, and I will look for growth period stocks, and pretty much look at the look at what's going on. Allen: Awesome. Cool. Okay. Now, you said that you've made the decision to go ahead and go full time. What was the trigger? Like, how did you feel comfortable to the point where, hey, you know, I'm ready to do this. How did you know that? Because a lot of people, they have that same goal. But for whatever reason, they're afraid to quit the job or they're afraid to go in full time or put all their money into this. What was it for you that mentally had you prepare? Because obviously, you have a family? So you know, you probably talked to them about it, and they had their input as well. And they have to be comfortable? Because if the wife says no, then it's kind of like a no. How did you get to that point? Eddie: You know, when I saw consistent results, where month after month, I was not just in the positive but sort of healthy, right? I mean, not everyone was 10%, obviously, right? I and I mentioned my 63% year to date, but I saw it, as soon as I saw that consistency. I knew that you know, I You know, there's definitely something there and I didn't obviously overnight, think about, you know, just quitting the job, whatever. And doing this full time, it was sort of an evolution, right? Where the first light bulb went off well, you know, there's consistent results here. And and I can do it month after month, and then is you when you get consistent you start having these ideas of all what, you know, what's next, what else can I do, right? And you know, what's the, you know, it opens up your opportunities, I guess, and you start thinking about what, you know, everything else, and it got to a point there also to putting money and investing money in my startup, you know, I saw I didn't see the return right away, I know what's gonna come, there's no doubt about that, I believe in my partners, etc. But the results weren't coming month after month, right that you had, it's a long term investment, you sink a lot of money into it, and just don't see the results have passed. And so because of that consistency, and my ability to sort of do it myself, right, and produce those results. That's what got me thinking, hmm, why should I continue to put money in the startup when I can be putting it, you know, into trading and be able to, hopefully, right, earn a pretty good living right? Allen: Where you're getting paid by working at the startup. Eddie: We were in stealth mode for a little over a year, I wasn't getting paid regularly. But my partners and I had all been in tech before and you know, we had some IPO, money set aside and savings again, we were self funding this thing, right? That I wasn't paying myself regularly. So that was another thing is that and that's actually one of the reasons why I look to see during the pandemic, I was a little bored. Because you can only do so much when you start a company when you're in the pandemic. So that's one of the reasons I started looking out there to see what else was there and, you know, looking at options, etc, reminded me of my financial services days, and that's when I decided to take the plunge. Allen: Awesome. Okay, so yeah, and I mean, I know you're, you're a smart guy, so you probably do also have a backup plan. Right? I would assume that if you needed to, you could go back to working at the startup. Eddie: Oh, yeah, no question, right? I mean, I've got Yeah, absolutely. That was part of the consideration is that if all else fails, if the market tanks or whatever, I can always go out and get back into tech, I can, you know, go back into my startup, right in a more active role. So yeah, there's definitely you know, Plan B, Plan C, but you know, having a taste of this sort of lifestyle of the trading lifestyle I mean, once you have that experience for a couple of months you know.. Allen: It's hard to go back. Eddie: It's hard to go back. And so now you know, I'm at the point where and maybe this is mean with just daydreaming but you know, I always wanted to give back more than I am now, right? I mean, I volunteer at my church every Sunday and you know, I donate and etc. but I knew I could be doing more and so I thought you know what, after if I can really make this thing work I'm gonna have a lot more time and probably financially be able to contribute more than I am now. And so that's another way you know now that I'm sort of getting closer to that July 1 deadline I set for myself you know, I'm already picturing 6 months 12 months down the line of this thing successful. What am I going to do after that? And so I would love to volunteer more I would love to contribute more financially to different causes. And look how I can do more from that perspective. Allen: That's awesome i love it i love it i love the fact that you're giving back you know i mean that's the primary goals of me starting Option Genius was like hey, you know let me help people make more money so that they can then use that to go and make the world better cuz I can't do that myself so you know like I try but it's not I'm just one person but if we have a whole army of people that feel the same way and that they don't have that stress of you know, I gotta go get my money today, I gotta go get my paychec,k I gotta go cash this and there's not enough left at the end of the month where I can actually go out and help somebody else. I think if we have a whole army of people who are doing it this way it'll help definitely spread the good word and.. Eddie: Absolutely Allen: ..be better so what do you think the future holds for you now? Eddie: Well, I'm gonna continue working on the goal. Hopefully I'll report back you know maybe first second quarter next year and share with you know how I'm doing I mean we talk every week on our calls anyways but you know we could do a follow up then but Allen: Yep would love to do that. Eddie: No, I you know, i'm well on my way now. I'm pretty prepared waiting for some last minute things like forming the business entity and waiting for that to come through and you know, just sort of logistical things like that before I actually start you know, going off in 100% so no I want to thank you and your team you know, I, gosh you know, I think about if I hadn't stumbled across right, you know all the great stuff that you guys are sharing and teaching you know I wouldn't have this you know, I wouldn't be here and I wouldn't be you know, have this opportunity by and I'd probably still be not that as a bad thing by be you know, still working a startup but the, again the return wouldn't come for you know, a number of years versus you know, almost a near instantaneous with trading the way you've taught us. So I thank you and you have a great staff on your team very responsive. You know, sometimes when I freak out and I have a question, you know, I'll send it over and Cory or yourself will, you know, send an answer right back so it makes me feel, you know, feel good that I have that sort of support, plus the you know, Facebook group, the weekly calls that we do All of that is you know it's very helpful because you can't do it alone. You have to, especially in something like this where you're, what you're taking on. If you do it yourself, it could take you ages but if you have a group, you have a leader that can share with you what they had done so you can learn from it and do it too and then you have that support network like I go back and forth on on chat with with Nelson in our group, you know, you make friends right and then you you know, you have that support network you know, and you encourage each other to to do better. Allen: Yep, I mean, you know, slowly slowly we're getting there where we're building up this whole system and I think you know, I mean it's been a pleasure to work with he's been a pleasure to to help you and to hang out with you and talk to you and I mean, you've done it you've done everything you know, when you've taken everything and you've you've used it you've learned it you've internalized it and then you've actually implemented it. There's a lot of people that get to that point but they don't implement or they get stuck somewhere along the way and it's you know, but you had a you had a dream you had a reason a goal and you were like okay, I'm gonna take this it makes sense to me I'm gonna try it and then it worked. And then you just kept going with it. So kudos to you and congratulations on all your support and it's been a it's been a wonderful No, it's been a wonderful experience to have you with us. Eddie: Thank you. Thank you But one thing I will mention though, Alan is that I think the key for you know, anybody that's thinking about doing this is just do it. Right? You can start small, right? You don't have to start you know, do paper trade you just start with a few grand and just do it and learn it and anybody can do it right? You don't have to have a big account you know, just getting started is much better than than doing nothing nothing at all. So that's what I would you know, say to encourage other people that are thinking about doing this is you really have nothing to lose you know by by doing this I mean, the tuition fees that I pay were made up probably within my first couple of things, right? So you know, there's absolutely nothing to lose and everything to gain. Allen: Yep. Thank you so much. Appreciate that. One last piece. I don't know I mean, this doesn't have anything to do trading and this is for those of you guys who are listening. I'm not an accountant or an expert on this. But you said you were opening your company in California. Did you look at opening it in a different state? Eddie: Yeah, I actually.. It's a good question. I looked at Delaware Allen: Okay Eddie: And I actually opened my startup filed in Delaware because there are some laws there that again speak with your own attorney but that are more favorable to business owners over there. I didn't feel like I needed it here with with just a trading you know, because I'm not I won't have clients or anything with my trading account it's just me doing my my own trading that I didn't meet really need the Delaware protections Allen: Okay, but in a tax point of view, because I know, California does have state corporate tax, right? Eddie: They do in terms of there's a couple of things that my account was explaining to me like mark to market and things that we'll be able to do. I can't remember the specific but I can't tell you that the good outweighed the bad. Allen: Okay, as long as you looked at it, that's fine. You know, because I've heard a lot and you know, whenever we're opening a corporation in Texas, I don't have a problem because there's no corporate tax. But that's what people say that hey, there's no personal income tax here, or there's none in Florida. But even for opening a corporation. I've heard lately that hey, you know, Texas is okay, Florida is okay. Delaware is really great if you're going to go public because there are banks, you know, like banking, those guys, they have a lot of protections there. Nevada is a really good one for other things. So okay, but as long as you have a cover, that's cool. I just wanted to ask Eddie: Yeah, cool, cool. Allen: Cool. Cool. Cool. Any final takeaways or bits of advice you got I mean, you shared a lot but if anything else that's.. Eddie: No, I think I'll report back in you know, next year but again, a big thank you I mean, I you know, this journey has been awesome. I mean, of course, I mentioned that, you know, in the beginning you know, it took some hits, and you know, I would say you know anybody thinking about doing this, do it - don't get discouraged, you're gonna have ups and downs, that's just you sort of built in, but there's definitely a lot more ups than downs. So, you know, doing stuff like this is a lot better than doing nothing at all. And so I would encourage everybody to, you know, jump right into it and learn. Allen: Awesome. Eddie: And again, a big thank you to you and your team as well. Allen: You're welcome. You're very welcome. But thank you so much for being here and helping us out. Of course, Eddie: Anytime
0:00- This hour, we get it started off with the Big Show Logan Paulsen breaking down the film from the Atlanta game, as well as taking a sneak peek at our game this week against New Orleans. 18:55- Jaylon Smith was shockingly released by the Cowboys yesterday, is he an option for the WFT to fill their LB spot? We discuss and take your calls here. 32:05- What's going on in G&D's life that has nothing to do with sports? See omnystudio.com/listener for privacy information.
Today we are sharing with you another bonus episode of farm hacks for all our dedicated listeners. The A Better Way to Farm family has always aimed to find more and better ways to support our co-farmers and owners through all farm seasons, and not only in farm productions and improvements but also in concrete and viable life tips and insights. So we encourage you to go ahead and share us with a friend and fellow farmers. Rate us in ITunes or other platforms you're in, so we could better spread the good stuff around. We are so appreciative for you all tuning in. Now, there have been some talks about Sulfur lately so for those of you who have just deliberated on it recently, welcome to the party! Let us exchange a few of our thoughts on this topic, so be ready to listen and we hope to impart a thing or two on this subject. Let's go right in …