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Latest podcast episodes about returnthe

The Carson Center Podcast
Be Faithful in Waiting (Matthew 24:36–25:46)

The Carson Center Podcast

Play Episode Listen Later May 21, 2025 42:35


Don Carson explores the theme of waiting, emphasizing the importance of being prepared for Jesus's return. Through examining Matthew 24 and 25, Carson teaches that true believers are marked by faithful service and transformed lives. Carson stresses that such service reflects genuine faith and leads to eternal reward.He teaches the following:The importance of being prepared and faithful in waiting for Jesus's returnThe parable of the talents symbolizes the relationship between believers and ChristMatthew 25 displays the natural outflow of a transformed lifeThe importance of caring for fellow believers as an expression of love for ChristThose who serve others are identified with Christ, and their actions are seen as acts of service to HimTrue transformation involves a change in relationships and prioritiesThose who are transformed by the gospel will be rewarded for their actionsThe transformation of believers is a sign of true faith and commitment to Christ

GNBC Network
What Are the Life-Changing Results of Jesus' Resurrection?

GNBC Network

Play Episode Listen Later Apr 25, 2025 12:03


In the final episode of our special Resurrection series Words From The Word, Pastor Roderick Webster delivers a soul-stirring message on the eternal impact of the resurrection of Jesus Christ. Why is the resurrection the most powerful event in human history? What does it prove—and how does it transform your life today?

The Rising Feminine Collective
Healing the Womb & Reclaiming the Feminine Body for the Kingdom with Juliet Tang

The Rising Feminine Collective

Play Episode Listen Later Apr 21, 2025 76:21


In this heartfelt episode, I am joined by Juliet Tang for a conversation that tenderly weaves faith, the feminine body, and the path of womanhood in Christ. Together, we explore what it means to walk with God through the body, through the womb, heart, and bones of a woman, while honoring the mystery, humility, and intimacy of relationship with the Holy Spirit.This is for the woman who feels the call to come home. To live from her heart, her body, and her spirit. To rise in her divine assignment while rooted in the soil of her womanhood.We pray this episode blesses your body and spirit.What You'll Learn in This Episode:Juliet's story of walking with God and how He led her deeper into the feminine bodyWhy so many women disassociate from their bodies on the path of faith and how to returnThe connection between the womb, the nervous system, and hearing the voice of the Holy SpiritWhy healing the body is essential for living your full assignment as a woman of GodHow the feminine design is not an obstacle, but a divine vessel for intimacy with ChristThe importance of the descent, meeting trauma, grief, and numbness in the body, as part of resurrectionWhy reclaiming our feminine voice and presence is vital for releasing the Kingdom of God on earthWe'd Love to Hear From You!How did this conversation land in your body? We'd love to know what spoke to your heart. Drop us a message or comment with your reflections, prayers, or what you're currently walking through. We are walking this path together.Juliet Tang is a mentor for embodied womanhood, devotional love, and lush business expansion. She supports women in arriving home into their body, tissues, and soma to experience a felt relationship with God. She guides women to awaken their creational circuitry [womb to throat] - offering them a new template to bridge their body, business, and relationship in a way that is congruent with their unique feminine anatomy, that is, God intended.Connect with Juliet:Juliet's InstagramConnect with Nina:Nina's InstagramNina's WebsiteMay this episode nourish your journey of embodiment, healing, and holy union with Christ.

Isaiah 60 Awakening Podcast
Episode 16: Zion's Voice//The Days of Noah: A Warning for the Last Days

Isaiah 60 Awakening Podcast

Play Episode Listen Later Apr 14, 2025 18:01


Jesus said, “As it was in the days of Noah, so also will the coming of the Son of Man be.” (Matthew 24:37) In this eye-opening episode, we dive into the prophetic connection between Noah's time and our world today. What were the defining characteristics of the days of Noah? Are we living in a similar generation? And how can we be spiritually prepared for what's coming? We explore:The moral and spiritual condition of Noah's worldParallels between then and nowWhat made Noah different—and how we can follow his exampleHow to live ready for Christ's returnThe urgency of warning others before judgment comesThis isn't just a history lesson—it's a prophetic call to wake up, live holy, and enter the ark of salvation through Jesus Christ.

True Crime Odyssey
TGF 002 The Atlanta Child Murders: Rewired

True Crime Odyssey

Play Episode Listen Later Apr 1, 2025 38:32


We're in the middle of our deep dive into The Atlanta Child Murders, and this time, we're shifting the lens. In True Crime Rewired, host Dani brings you closer to the heart of the case—not with timelines or transcripts, but with an immersive retelling that captures the emotion, the fear, and the weight of what really happened.What was it like to live through it? To wait for answers that never came? To feel the city unravel with every new name on the list? This episode takes you inside:A mother's quiet dread when her child doesn't returnThe rising panic across Atlanta's streets and schoolsThe silent strain inside the investigationA community holding its breath, waiting for justiceIt's not about rehashing the headlines. It's about understanding the experience.The Guilty Files tells one story, three ways:

The Wealth Equation
9 Lessons Learned from Billionaires in a Week on Necker Island

The Wealth Equation

Play Episode Listen Later Mar 26, 2025 26:31


What happens when you drop five figures to spend a week on a billionaire's private island… without any guarantee of ROI? Let's just say—it changes everything.In this episode, I share what went down on Necker Island and the real lessons I took away from being surrounded by ultra-wealthy, unapologetically bold entrepreneurs. These aren't your typical “networking event” takeaways.This is the behind-the-scenes of what actually shifts when you step into a new financial frequency.Tune in to learn: The decision-making process behind spending a lot of money with no guaranteed returnThe truth about fear vs. intuition—and how to tell the differenceThe moment I said yes to something that terrified me (and what happened next)Why most women are drastically underselling themselvesWhat billionaires know about the finance industry that you don't   DM me INVEST on Instagram - https://www.instagram.com/kristenwonch.xox/

High Vibin’ It
254. Activate Your Divine Feminine, Intuition, & Healing Powers with Angelica Neri

High Vibin’ It

Play Episode Listen Later Mar 4, 2025 41:19


Get 20-48% off Magic Mind with code "HIGHVIBING20" at checkout ✨What if the key to unlocking your intuitive gifts lies in slowing down, tuning in, and embracing your divine feminine essence?Easier said than done, we know.That's why we're chatting with Angelica Neri—divine feminine guide, Reiki master, and host of the Divine Feminine Healers podcast—to learn how to really tap into your feminine energy, supercharge your intuitive healing abilities, and finally align with your true purpose.You'll discover...The science behind Reiki healing and its profound effects on wellbeingHow to recognize when you're giving energy to things that aren't nourishing you in returnThe importance of slowing down and creating space for your intuition to emergeWhy your purpose isn't necessarily tied to your career—and how to remove the pressure of "finding your purpose"Practical ways to honor winter as a divine feminine season of rest and reflectionHow to balance your masculine and feminine energy to manifest a life you loveThis conversation is a beautiful reminder that your intuitive gifts are meant to be shared and it's easier to tap into them when you are nourished and slowing down.Whether you're a healer, entrepreneur, or simply seeking more alignment, Angelica's wisdom offers a refreshing perspective on embracing both your divine feminine and masculine energies in a balanced way.Want the extended video version where Angelica teaches you about your Ayurvedic Energy Type?Join our Patreon today for exclusive card readings and early access to all episodes at patreon.com/highvibe!P.S. The first 100 people to join our Patreon will receive a FREE Manifestation Toolkit!

Web3 with Sam Kamani
224: Merging Bitcoin & Ethereum—Jerry from Apex Fusion on Building a Scalable L1

Web3 with Sam Kamani

Play Episode Listen Later Feb 14, 2025 46:47


In this episode ofWeb3 with Sam Kamani, I chat withJerry from Apex Fusion about their ambitious goal ofbuilding a next-gen Layer 1 blockchain that merges the best of Bitcoin & Ethereum.

The Playbook – Everyday skills for every professional
How to make a comeback at work (after a health scare)

The Playbook – Everyday skills for every professional

Play Episode Listen Later Feb 21, 2024 47:02


Chris Elkerton had a brain aneurysm in the middle of a meeting.16 months later, he's back at work.It's an incredible journey from which anyone can learn. How Chris made the Comeback...this week on The Playbook.Segment 01 - The Challenge"I am returning to work after a heart incident...what do I need to know?"On a regular day, in a regular meeting, something very not ordinary happened to Chris Elkerton. Here's how it can help anyone looking to recover and return to work.Segment 02 - The First StepsHome and recovering, Chris turns to three approaches to drive recovery.Segment 03 - The PrepChris begins to think about how he'll return to work.Segment 04 - The ReturnThe first days and weeks hold promise and surprise for Chris.

Confidence Covered By Humility
How Super Connectors Build Relationships That Last – An Interview with Angela Pumo

Confidence Covered By Humility

Play Episode Listen Later Sep 26, 2023 50:35


While average networkers look for well connected people that can help them, super connectors have an altruistic mindset... How can I help someone else?Angela Pumo is a super connector (my label, not hers). She loves helping individuals be successful and introducing them to other people they should know. It's been a blessing and good fortune to have met Angela. Her zest for life and for helping others is magnetic.On this episode of Confidence Covered by Humility, Angela and I discuss:The power of connectionBeing a great connector is more than an introductionNo agendasThe integrity behind great connectionsNot mentoring, but sharing experiencesSuper connectors always make time for othersIt's important to be a noticerWhat you put into the world is what comes back to youIf a connector connects you, make sure you follow throughInstilling confidence and speaking life into another personConnect others with no expectation of returnThe joy of experiencing other's successConnect with Angela on LinkedIn https://www.linkedin.com/in/angelapumo/Confidence Covered By Humility is a podcast by James Mayhew for anyone who wants to lead their business, their team and their home with humble confidence.** Get Your FREE Guide to Building A Thriving Culture **ThrivingCultureGuide.comConnect with James on LinkedInComplete video series for building a High Performance Workplace Culture:Talk About Your Business Goals With James:https://calendly.com/mayhew/connectMentioned in this episode:Get James' free "5 Day Founder Bootcamp Guide" at ThrivingCultureGuide.com

Your Money Radio Show
8.20.2023 I Deep Dive on 529 Plans

Your Money Radio Show

Play Episode Listen Later Aug 20, 2023 42:25


Why consider a 529 savings plan? ○ Tax advantagesAlthough contributions are not deductible, earnings in a 529 plan grow federal tax-free Qualified withdrawals are free of federal taxes (and 34 states currently offer full or partial tax benefits, too.)You can open a 529 no matter how much you make or the age of the beneficiary, which makes them particularly attractive vehicles for grandparents who want to lower the value of their taxable estates. 529 plan assets are exempt from federal estate tax. If a 529 plan account owner dies, the account will continue under a new successor owner.○ The Private 529 Plan – “Cousin to 529 plans” The Private 529 Plan – called CollegeWell — works differently from traditional 529 plansThe Private 529/CollegeWell locks in today's tuition and protects against rising tuitionPrivate 529 can help families whose kids are heading for private colleges save thousands of dollars in inflationary costs, and removes market risk from the decision○ Traditional 529s offer investment flexibilityDiverse options are available, depending on the plan○ Full parental controlParents (or grandparents), as the account owner, control how the funds are invested and distributed over the life of the account.Beneficiaries have no legal rights to the funds in a 529 account (differs from UGMA/UTMA) There are no income limits to setting up a 529 plan.○ Simplified tax reportingYou don't have to report 529 contributions on your federal returnThe year you start taking withdrawals, the beneficiary will receive Form 1099 to report investment earnings○ SECURE 2.0 Act of 2022 added more flexibility to 529 plansNeed more info on college affordability? Contact your financial advisor or visit our website at wealthenhancement.com or go to the CollegeBoard's website at collegeboard.org

For The Love Of MotoGP
MotoGP 2023 Silverstone Race Preview – The Summer Break Is Over!

For The Love Of MotoGP

Play Episode Listen Later Aug 2, 2023 91:46


This week on For The Love Of MotoGP:Tim and Steve get excited for MotoGP's return to our screens! Talking points for this episode include:Triumph's 'Exceptional Press Conference'Standard Tyre Pressure MonitorsPol Espargaro's ReturnThe pair also riff on some listener talking points and preview the upcoming race at Silverstone!Enjoy the showJoin us in the For The Love Of MotoGP Facebook CommunityFantasy League – T2L2S9NMPatreonMagic Mind – Use Code MOTOGP20 at checkout for up to 56% off a subscriptionYou can also find us on Instagram and Twitter @fortheloveofmotogp or you can reach us by email at fortheloveofmotogp@gmail.comReference material for this episode came from: motogp.com | the-race.com | wikipedia.org | crash.net | Thanks for listening!

Comeback Coach
64. COMEBACK - Jess Heagren - returning too soon - preparing for a good return - finding a family-friendly business culture

Comeback Coach

Play Episode Play 48 sec Highlight Listen Later Jul 5, 2023 37:02


Hello Bright Minds, my guest today is Jess Heagren, founder of That Works For Me – a platform that connects employers with people seeking flexible work - and author of the Careers After Babies report. Jess previously held strategically important roles at Direct Line Insurance, NIG and RBS Insurance. She's wonderfully honest and generous and I was so happy to have this chat with Jess where among other things we talked about:Coming back to work too soonPreparing for a good returnThe joy of spreadsheetsCareer progression andIdentifying a family-friendly business cultureIf you've been listening a while you'll know that this podcast is part of the Comeback Community™ employee experience. This is a solution we deliver for progressive employers to keep their people feeling confident, connected and cared for when they take extended leave from work – be it sick leave, maternity leave, shared parental, adoption, bereavement or sabbatical.If you think the experience of people returning to work after a break could be better where you work, please come over to comebackcommunity.co.uk/introduce. There you'll find a quick and easy way for you to tell us who in your HR team we should be in touch with.MORE FOR YOU DM Jessica on instagram @comebackcommuk Join a free expert 'Comeback Conversation' Q&A event Read Mothers Work! How to Get a Grip on Guilt and Make a Smooth Return to Work by Jessica Chivers. Watch five coachees talk about working with us Tell your HR team about Comeback Community with this 1 minute explainer film

Show Your Business Who's Boss
Ep 142: Lead Product: The Basics

Show Your Business Who's Boss

Play Episode Listen Later May 4, 2023 16:39


One of the biggest challenges that small agencies have is closing clients on big projects.It's hard to get clients to pay the premium rates you want them to pay in order to deliver your highest value. And on top of that, a lot of small agency owners hate sales!Well, have I got an idea for you.I want to tell you about the Lead Product method.This is a process that I implemented in my business over 10 years ago and that I have since taught thousands of people with incredible results.All month on the podcast, we're going to talk about Lead Products, and today I'm going to share the basics of how it works.Tune into this episode to hear:The biggest reasons why free proposals end up sucking your time, energy, and resources for not enough returnThe main sections of a Lead ProductHow the LP saves time, builds trust in your expertise, and takes away the pressure of selling high-price projectsHow the LP process delivers value your clients might not have even known they neededWhy you should never include execution in your LPResources:No BS Agencies MasteryThe Price to Freedom Calculator™No BS LaunchpadNo BS Agency Owners Free Facebook GroupStart reading the first chapter of my bookPiasilva.com

Presbyterian Church of the Covenant Podcast
Sunday, January 15, 2023

Presbyterian Church of the Covenant Podcast

Play Episode Listen Later Jan 16, 2023 78:23


PreludeWelcome & News of the ChurchCall to WorshipHymn of Praise - (#21) "Love Divine, All Loves Excelling"Message for Children & YouthPraise songsConfession and AssuranceGloria PatriSermon - "Discovering Our Why" (Luke 10:38–42) - by Rev. Barry MartinezHymn of Response - (#84) "My Faith Looks Up to Thee"Offertory - "Let There Be Peace on Earth" by Miller & Nuages - Micah Wright, pianoDoxologyPrayers of the PeopleSending Hymn - (#546) "We Are God's People"BenedictionPostludeLove Divine, All Loves ExcellingLove divine, all loves excelling,Joy of heaven to earth come down,Fix in us Thy humble dwelling,All Thy faithful mercies crown.Jesus, Thou art all compassion,Pure, unbounded love Thou art;Visit us with Thy salvation,Enter every trembling heart.Breathe, O breathe Thy loving SpiritInto every troubled breast;Let us all in Thee inherit,Let us find Thy promised rest.Take away our bent to sinning,Alpha and Omega be;End of faith, as its beginning,Set our hearts at liberty.Come, Almighty to deliver,Let us all Thy life receive;Suddenly return, and never,Nevermore Thy temples leave.Thee we would be always blessing,Serve Thee as Thy hosts above,Pray, and praise Thee without ceasing,Glory in Thy perfect love.Finish then Thy new creation,Pure and spotless let us be;Let us see Thy great salvationPerfectly restored in Thee.Changed from glory into glory,'Til in heaven we take our place,'Til we cast our crowns before Thee,Lost in wonder, love, and praise.My Faith Looks Up to TheeMy faith looks up to Thee,Thou Lamb of Calvary,Savior divine!Now hear me while I pray,Take all my guilt away,O let me from this dayBe wholly Thine.May Thy rich grace impartStrength to my faining heart,My zeal inspire;As Thou has died for me,O may my love to TheePure, warm, and changeless be,A living fire!While life's dark maze I treadAnd griefs around me spread,Be Thou my guide;Bid darkness turn to day,Wipe sorrow's tears away,Nor let me ever strayFrom Thee aside.When ends life's passing dream,When death's cold, threatening streamShall o'er me roll,Blest Savior, then, in love,Fear and distrust remove;O lift me safe above,A ransomed soul!We Are God's PeopleWe are God's people, the chosen of the Lord,Born of His Spirit, established by His Word;Our cornerstone is Christ alone,And strong in Him we stand:O let us live transparently,And walk heart to heart and hand in hand.We are God's loved ones, the Bride of Christ our Lord,For we have known it, the love of God our poured;Now let us learn how to returnThe gift of love once given:O let us share each joy and care,And live with a zeal that pleases Heaven.We are the Body of which the Lord is Head,Called to obey Him, now risen from the dead;He wills us be a familyDiverse yet truly one:O let us give our gifts to God,And so shall His work on earth be done.We are a Temple, the Spirit's dwelling place,Formed in great weakness, a cup to hold God's grace;We die alone, for on its ownEach ember loses fire:Yet joined in one the flame burns onTo give warmth and light, and to inspire. Hosted on Acast. See acast.com/privacy for more information.

The Doctor of Digital™ GMick Smith, PhD
What is Stage Twelve of the Hero's Journey in Burning America? Episode #CCLXXXVI The Doctor of Digital™ G. Mick Smith, PhD

The Doctor of Digital™ GMick Smith, PhD

Play Episode Listen Later Jan 8, 2023 8:59


Stage 12: The ReturnThe climax of your hero's journey encompasses The Resurrection stage. And once they accomplish that, you can have your protagonist Return to their Ordinary World.Here are three reasons why your hero should make that return.To Have the Story Come Full CircleThe reader and audience are on this ride with your protagonist. They empathize with them. The story creates a cathartic reaction. We want to see the story resolved. We want to witness some closure so that we know the character's journey has ended.So what better way to accomplish that than letting them go back to their Ordinary World to either flaunt their success or show people that they've changed for the better?At the beginning of Burning, Paul was primary caregiver to their child, Kaitrin. In the Return Stage Paul is reunited to Kaitrin and she is made whole by returning to the loving arms of her father but only after Paul faced, and overcame, the Ordeal Stage.2. To Complete the Character ArcWhen we follow a character for a long period of time, we want to see their character grow, change, or better themselves. It offers the reader and audience a sense of closure and catharsis.When we put the protagonist back into their Ordinary World, it makes the reader and audience wonder how they'll react.Have they changed?Will they fall into the same pattern that they were in when they were introduced within their Ordinary World?Paul is wiser to the ways of the world after The Ordeal. The last line of the story concludes with how Paul is ready to parent Kaitrin in single parenting freedom. He is no longer subject to the restrictions of the Court, deceased wife, Serena the neighbor, or legal system. Paul is free.3. To Allow the Reader and Audience to Live VicariouslyBecause catharsis is so vital to the cinematic experience — that's why people go to the movies — having the hero return to their Ordinary World triumphant offers the reader and audience a chance to feel the glory of that return. And if it's not glory, it's a sense of calm, knowing that everything is going to be okay for the character they've lived vicariously through.The last song closing out the novel summarizes the journey Paul has been on. The Ian Hunter song intones we've been living in purgatory and anything's better than this. Paul and Kaitrin united home are going to be fine. The Ordeal has been overcome, there is a tragic death but Paul will return Kaitrin to her Ordinary world of stability and love. All is calm.Burning America: In the Best Interest of the Children?https://www.amazon.com/Burning-America-Best-Interest-Children/dp/1956353259/ref=tmm_pap_swatch_0?_encoding=UTF8&qid=&sr=Mick, The Doctor of Digital, Smith mick.smith@wsiworld.comBurning America: In the Best Interest of the Children?https://burning-america.comAmazon: https://www.amazon.com/G-Mick-Smith/e/B0B59X5R79Also at Barnes & Noble, Walmart, and TargetLeave a message for The Doctor of Digital:https://podinbox.com/thedoctorofdigitalpodcastInstagram: burningamericacommunityPatreon burningamericacommunity:https://www.patreon.com/SmithConsultingWSITheDoctorofDigitalPodcastListen, subscribe, share, and positively review The Aftermath:https://www.podpage.com/the-aftermath-the-epidemic-of-divorce-custody-and-healing-1/he-saidshe-said-the-one-about-getting-involved-in-parental-alienation-legislation/Substack:https://micksmith.substack.com/Commercials Voice Talent || Narratives Voice TalentDo you want a free competitive analysis for your business? Make an Appointmenthttps://app.hubspot.com/meetings/mick-smithBe sure to subscribe, like, & review The Doctor of Digital™ PodcastSign up for the Doctor Up Your Life courseFacebook || Instagram || Twitter || LinkedIn || YouTube

The Basketball Strong Podcast
NBA Injury Report - Playoff Edition: Joel Embiid (thumb), Khris Middleton (MCL), Devin Booker (hamstring) & Fred VanVleet (hip flexor).

The Basketball Strong Podcast

Play Episode Listen Later Apr 29, 2022 40:14


The NBA playoffs are in full swing, but unfortunately for several teams, their chances of progressing have taken a hit. In this injury roundup, former Lakers S&C coach Tim DiFrancesco (TD)  zeroes in on Devin Booker's hamstring strain, Fred VanVleet's hip flexor strain, Joel Embiid's thumb ligament tear, and Khris Middleton's MCL sprain. Listen as TD shares: How Embiid's UCL tear might affect his gameWhat role Booker's injury history plays in his latest hamstring issueWhy Khris Middleton's return to play timeline is uncertainWhat Raptors fans can expect to see with VanVleet's possible playoff returnThe differences between ligament sprains and muscle strainsExercises to make muscles and connective tissues more resilient and reduce your injury riskStay dialed into the Basketball Strong for more playoff injury insights, and check out TD's Instagram feed for preventative measures and rehab tips. 

Alts
PUSHAS Co-Founder and CEO Justin Truong

Alts

Play Episode Listen Later Dec 28, 2021 38:51


This week, Horacio sat down with Justin Truong, Co-founder & CEO of PUSHAS, a sneaker marketplace (and sneaker fund!) based in Australia which is on the heels of global expansion.Discussion topics include:Building PUSHAS from the ground up by trading on sneaker groups on FacebookThe Ultra Boost Yeezy as his first true immersion into sneaker cultureHow the sneaker industry is more accessible for women than typical asset classesUsing consignment to build the business and making a decision to go into the sneaker business full-time in 2019Finding a niche by dealing with high-end, high-volume resellers by managing the entire sales processManaging a limited supply problem by starting a sneaker fund overnight to provide more liquidityHow the PUSHAS sneaker fund encompasses 6,000 pairs of sneakers and produced a 60% returnThe advantages of working full-time in the sneaker industry to spot trendsAustralia as a smaller sneaker market compared to other countries and the importance of a secondary marketThe advantages of the PUSHAS model of authenticating bulk sellersThe prevalence of counterfeit sneakers and the importance of having a great eye and a system for spotting fakesPUSHAS expanding into the US with headquarters in Los AngelesBuilding the PUSHAS brand around communityPUSHAS strategy to work with Stock X and GOAT rather than competing against themSneakers as a stable alternative asset class---Follow Alts- Website & newsletter: https://alts.co- Discord: https://discord.gg/DEkHgzggwC- Twitter: https://twitter.com/altassetsclub- Insta: https://instagram.com/alts_co- TikTok: https://www.tiktok.com/@alts_co- Youtube: https://www.youtube.com/channel/UCpmgk4gzQ56QvpyegBJJVQA?sub_confirmation=1

Active Insights
Portfolio Solutions with Seamus Young, CFA

Active Insights

Play Episode Listen Later Dec 15, 2021 35:20 Transcription Available


In this episode, Chris speaks with Seamus Young, CFA, a Senior Investment Director in the Global Investment Strategies group, specializing in Global Asset Allocation products. He is a portfolio manager of Putnam Multi-Asset Model Portfolios.  In addition, Seamus is responsible for gathering intelligence on trends in the global marketplace; communicating investment performance, positioning, and strategy as a member of the Portfolio Solutions group.During the conversation, they touch on many topics, including: The Portfolio Solutions GroupHow financial advisors can utilize the portfolio solutions group to improve outcomes and optimize portfolio efficiencyMulti-Asset PortfoliosPortfolio constructionHow to successfully balance risk and returnThe key factors that influence overall portfolio performanceThe crucial data points when analyzing target date and retirement savings plans This material is for informational and educational purposes only. It is not a recommendation of any specific investment product, strategy, or decision, and is not intended to suggest taking or refraining from any course of action. It is not intended to address the needs, circumstances, and objectives of any specific investor. This information is not meant as tax or legal advice. Investors should consult a professional advisor before making investment and financial decisions and for more information on tax rules and other laws, which are complex and subject to change. Investing involves risk, including the loss of principal. Risks apply to those underlying funds in the allocation of the models, there is no guarantee the funds' investment objectives will be achieved. Carefully consider the funds within the model portfolios' investment objectives, risk factors, and charges and expenses before investing. This and other information can be found in the funds' prospectuses, which may be obtained by visiting the respective fund information page or fund family website. Our allocation of investments among the underlying funds may hurt performance. Therefore, the model portfolio's performance is subject to the risks that may affect the performance of the underlying funds. In addition, investors will bear the fees and expenses of the underlying funds included in the models.  To view additional information, please visit the Putnam Multi-Asset Model Portfolios page found on putnam.com.  Investors should carefully consider the investment objectives, risks, charges, and expenses of a fund before investing. For a prospectus, or a summary prospectus if available, containing this and other information for any Putnam fund or product, call your financial representative or call Putnam at 1-800-225-1581. Please read the prospectus carefully before investing. Putnam Retail Management                                                                                       AD1959875 12/21

young investing investors risks cfa putnam seamus performancethe returnthe senior investment director global asset allocation
The Best in Mystery, Romance and Historicals
Chris Hammer – Australian Outback Noir

The Best in Mystery, Romance and Historicals

Play Episode Listen Later Oct 26, 2021 42:37


Chris Hammer writes bestsellers with a distinctly Australian flavor. His latest book, Treasure & Dirt, his fourth, is a gritty, hard-to-put-down crime thriller, and it's no surprise that Chris is winning awards, as well as an international audience. Hi there, I'm your host Jenny Wheeler, and in Binge Reading today Chris talks about transitioning from journalism to successful fiction writing. He explains why he thinks Australian crime fiction is growing in popularity around the world, and the blossoming of “Outback noir” – though not all of Chris's books are set in the Outback.  We've got three eBook copies of Treasure & Dirt to give away to three lucky readers in our Crime Giveaway. You can enter that draw on the website www.thejoysofbingereading.com or on our Binge Reading Facebook page. Chris's books and social media contacts are also to be found on the website. ENTER DRAW FOR TREASURE & DIRT E-BOOK And remember, if you enjoy this podcast, you can find more exclusive bonus content, including Chris answering the getting-to-know-you quickfire questions, by becoming a subscriber on our Binge Reading on Patreon page. For no more than a cup of coffee a month, you'll be able to get bonus content and have the satisfaction of supporting us in our work. Check it out at www.patreon.com/thejoysofbingereading. SUPPORT BINGE READING ON PATREON Six things you'll learn from this Joys of Binge Reading episode: How Chris transitioned from non fiction to fictionthe new sub genre of "dingo noir"Martin Scarsden may still returnThe 'father' of quality Australian crime writingThe writers he admires mostWhat he's working on next. Where to find Chris Hammer:  Website: https://chrishammerauthor.com/ Instagram: @thehammernow/ Facebook: @HammerNow  / Linked In:  https://www.linkedin.com/in/chris-hammer-6a551bb/?originalSubdomain=au Goodreads: https://www.goodreads.com/genres/chris-hammer Amazon: https://www.amazon.com/Chris-Hammer/e/B07JR7CCRX/ What follows is a "near as" transcript of our conversation, not word for word but pretty close to it, with links to important mentions. Introducing Chris Hammer, thriller author of Outback Noir Author Chris Hammer- creating a new wave of crime fiction - Outback Noir Jenny Wheeler: But now here's Chris. Hello there, Chris, and welcome to the show. It's great to have you with us. Chris Hammer: Hi there, Jenny. Thank you so much for having me on. Jenny Wheeler: Getting the geographic location set at the beginning – you're talking from the Australian capital of Canberra, aren't you? Chris Hammer: That's right. Jenny Wheeler: Are you a Canberra born man? Chris Hammer: No, I was born in Tassie actually – Tasmania – but I've lived most of my life in Canberra. I grew up here. I tried to escape several times, but I kept getting sucked back. Being a journalist, it's a good place to be, in the Capital. I did a lot of politics as a journalist, but also my wife is an academic. She specializes in International History and History of the Asia Pacific and for her the Australian National University – the ANU – is based in Canberra. So it's perfect for both of us. Jenny Wheeler: You had a stellar journalism career and looking at your life from the outside, it looks like you replaced a stellar career in journalism with an equally stellar one in books. Right from the beginning, your first book, Scrublands, was an award winner and an international bestseller. Tell us how you managed to make that transition. Chris Hammer: You make it sound so easy and inevitable, but it wasn't. Indeed, Scrublands isn't my first book. Many writers, of course, have the one or two in the desk drawer that will never see the light of day, but I did write two nonfiction books. I quit full-time journalism for a while and went freelance. How Chris Hammer transitioned from writing journalism to fiction Award winning first novel - Scrublands, by Chris Hammer

The Nintendo Drive
The Nintendo Drive Episode 15: Skyward Sword Comes to Tetris 99!

The Nintendo Drive

Play Episode Listen Later Aug 4, 2021 46:58


Cleaning the GarageRemember that you can now listen to The Nintendo Drive - and all of the You, Me & Capri podcast content on YouTube at http://YouTube.com/YouMeCapri.YouTube Comment of the Week!Lockleth: Not only is this a wonderful podcast to listen to on YouTube, but the intro always makes me laugh. Also, Caito is the potato queenApple Podcast Reviews:GO pack 4 says “Best Nintendo Podcast!”Love the podcast! Thank you guys for helping me get thru my work day. If Sean doesn't get an endorsement deal with Diet Coke soon, I will be pretty disappointed.The PlaylistCaito: Animal CrossingSean: The Legend of Zelda: Skyward Sword HDBraking NewsAnimal Crossing Datamine Suggests Popular Hangout Could Still Return. Datamining over on DodoCodes.com has highlighted code and event references that have renewed hopes of Brewster appearing in a future update.https://www.nintendolife.com/news/2021/07/animal_crossing_datamine_suggests_popular_hangout_could_still_returnThe next TETRIS 99 Maximus Cup is The Legend of Zelda: Skyward Sword HD! It begins on August 6 starting at 12AM Paficic and ends at midnight on August 9! https://twitter.com/NintendoAmerica/status/1422361934863769605?s=20Nintendo Is Shutting Down Dr. Mario World For Mobile on November 2021 1st.https://www.nintendolife.com/news/2021/07/nintendo_is_shutting_down_dr_mario_world_for_mobileNew Pokémon Snap's getting some welcome new content on August 3rd! The free update will add 20 new Pokémon to capture on film, as well as three new courses – a new location at the Florio Nature Park called Secret Side Path, Mightywide River, and Barren Badlands.https://www.nintendolife.com/news/2021/08/heres_a_closer_look_at_new_pokemon_snaps_brand_new_coursesPAC-MAN 99 Surpasses Four Million Downloads in four months - and has new content coming. The news of its achievement was shared during a PAC-MAN 99 Challenge livestream hosted by Bandai Namco over the weekend.https://www.nintendolife.com/news/2021/08/pac-man_99_surpasses_four_million_downloads_new_content_on_the_wayThe Carpool:Seth Sturgill @twodollarhero: Imagine you're putting tog

There She Goes: Solo Travel
Unquenchable Curiosity with Carmen L

There She Goes: Solo Travel

Play Episode Listen Later Mar 26, 2021 26:16


In Episode 14 I'm catching up with Carmen! Originally from Spain (Zaragoza originally and now Madrid), she has an unquenchable curiosity about the world. Get this - Carmen has visited 55 countries and speaks 7 languages! Carmen reveals to us… Where she traveled when she quit her job at a law firm, never to returnThe shocking sight she walked into in a hostel in ReikjavikThe piece of art that completely changed her perspective And her top Spain travel tips - I can't wait to visitCarmen is absolutely charming (with the loveliest accent) and I’m so happy to share our conversation with you! Connect with Kathryn SullivanLearn more about inner voice sessions Instagram: @vivien.travelWebsite: Vivien TravelEmail: Kathryn@vivientravel.com

The Money Advantage Podcast
The Case for IBC, with Dr. Robert P. Murphy

The Money Advantage Podcast

Play Episode Listen Later Jan 25, 2021 47:01


Considering Infinite Banking, or IBC, but still a little skeptical? https://youtu.be/UNw8fUMhiNU In this episode, we're talking with Dr. Robert P. Murphy, a free-market economist, who has testified before Congress on energy markets and monetary policy and has given many interviews on TV and radio. He is the author of hundreds of articles and several books on economic topics created for the layperson, including one of his most recent: The Case for IBC. So if you want to hear from a highly respected economist perspective just why Infinite Banking works … tune in below! In this episode on The Case for IBC, you'll hear: How the Nelson Nash Institute came to beCommon misconceptions about whole life insuranceWhat Dave Ramsey gets wrong about “buy term, invest the difference”Why IBC is about more than just the rate of returnThe future of dividend ratesAnd more! Table of contentsIn this episode on The Case for IBC, you'll hear:The Nelson Nash InstituteThe Case for IBCOther Common Objections of IBCThe Future of Dividend RatesClosing Remarks The Nelson Nash Institute [7:00] “Carlos and I wrote a book called, How Privatized Banking Really Works.... That phrase [Privatized Banking] was actually Carlos, his idea.” [8:23] “If you're doing IBC, you're not contributing to the problem, because the Austrian view is commercial banking that expands and contracts the credit supply. So if you're...financing your purchases via policy loans, then you're not contributing to the boom/bust cycle in the Austrian view.”  [8:58] “...Carlos and I were going around, giving presentations to the public and life insurance agents would hire us often to come do that, you know, presumably knowing that they were going to be able to sell more if we came and talked to a crowd about...the big picture here... And so over time we just realized this isn't going to work. We need a more formal way of both, you know, training agents to make sure they know what Nelson's principles are and how to design these policies correctly, but also so we feel comfortable… [putting] the public into the hands of certain life insurance professionals… So that was the birth of the IBC practitioners program.” You can find out more about Nelson Nash here: Nelson Nash: The Father of Infinite Banking (IBC) The Case for IBC [13:30] “... often this concept clicks with [business owners] sooner than with other people, is [because of] the importance of cash flow. So for like a salaried employee, you know, they kind of know every month how much money is coming in the door, and then they have their bills. And they've just got to make sure… [they] spend less each month than what's coming in.” [15:20] "I came across a pretty sophisticated critique of IBC a while ago, from another economist, and he said, 'You know, this concept actually makes sense. What they're really doing here is using an asset as collateral to then borrow money from some other institution to finance their cash flow. And they happen to be using life insurance or using...the cash surrender value, and a dividend paying whole life insurance is the collateral... When in principle you could take your house, as long as you have a bunch of equity, and go to a commercial bank and take out either a home equity loan or a HELOC.'" "And so... the concept the economist was arguing was, 'It has nothing to do with life insurance, and the only reason they're doing it with life insurance is to get the commission.'" "So I go through and explain why, actually, that's a perfect illustration of why Nelson was right to pick this vehicle or platform of a dividend paying whole life policy." Other Common Objections of IBC [19:54] “So another common one is… 'Oh everyone knows a whole life policy is a terrible place to put your money, you should buy term and invest the difference.'” [20:47] “The way we put it is that the whole life insurance policies are the platform upon which IBC is implemented...

R FAMILY a Guide To Building Stronger Families
EP 29 - The rice crispy treat that changed my life

R FAMILY a Guide To Building Stronger Families

Play Episode Listen Later Jan 13, 2021 13:27


The rice crispy treat that changed my lifeIn this episode Cory shares why and how he fell in love with JoJo.  Cory and Jojo will celebrate their 13 year wedding anniversary in may 2021. Cory’s love for JoJo is even sweeter than the rice crispy treat that changed his life Tune in to this episode of the Strong Business Stronger Marriage podcast to learn  The rice crispy treat that changed the changed cory lifehow cory became the person he is today.the impact of serving without expecting anything in returnThe magic of a ring popHow cory feels he is better because JoJo is so amazingJoin our facebook group if you want thriving business and a thriving marriage.  https://www.facebook.com/groups/strongermarriageJoin us at our 2 day virtual event Feb 19th and 20th for a couples interactive workshop.https://ranks22.clickfunnels.com/optin2l2z8eksPick up our communication journal and other books https://www.amazon.com/s?k=cory+rankin&ref=nb_sb_nossWill You Be My Friend- written and illustrated by our 8 year old son Kye RankinWill You Be My Friend?: Rankin, JoJo & kye, rankin, Kye, Rankin, Cory: 9781705970324

The Partial Historians
Episode 107 – Let the Codification Begin!

The Partial Historians

Play Episode Listen Later Oct 15, 2020 48:38


We jump into 454 BCE where we start to see the consequences of the events of the previous year play out. It's hard to get away from our "Roman Achilles" who, in his position as plebeian tribune, levels a charge of "injuring the state" against the former consul Romilius. This sets up a cascade of interesting incidents. Episode 107 - Let the Codification Begin There's little agreement between our major written sources for this year. Livy and Dionysius of Halicarnassus diverge in much of the details even though they hit upon some shared touchstones. But this is partly about what we don't know... Dr Rad explores some of the complexities of who is who during this period. While our sources use categories like 'patrician' and 'plebeian', these terms offer a binary model for thinking about the structure of Roman society. Often this is a simplification of what was really happening. By the time we get to the first century BCE when these histories were written, the composition of these groups is more clear cut than they were in the fifth century. Speeches as didactic tools Dr G delves into Dionysius of Halicarnassus' use of speeches as a means of teasing out a Roman perspective. Speeches are a significant feature in his writing and sets his work apart from Livy during this period. Dionysius' penchant for rhetoric offers a means of appreciating how the Romans thought. They also offer a framework for Greek readers to appreciate the reasoning of the Romans. Listen in for... Consuls with attitude!A story of a father, a son, and filial dutyThe Lex Aternia TarpeiaThe law about the laws!A surprising consular returnThe laws of Solon Our Players for 454 BCE The Consuls Spurius Tarpeius M. f. M.n. Montanus Capitolinus (Pat.)Aulus Terminius/Aternius - f. - n. Varus Fontinalis (Pat.) The Consuls of 455 BCE Titus Romilius T. f. T. n. Rocus Vaticanus (Pat)Gaius Veturius P. f. – n. Cicurinus (Pat) Tribune of the Plebs Lucius Siccius Dentatus "The Roman Achilles" Aedilis plebis Lucius Alienus Patricians of Note Spurius VerginiusAulus Verginius - legateSpurius Postumius Albus (Regillensis) - cos. 466 BCEAulus Manlius (Vulso?) - cos. 474 BCEPublius or Servius Sulpicius Camerinus (Cornutus?) - cos. 461 BCE Plebeians of Note Marcus Icilius Sound credits With gratitude we offer thanks to Bettina Joy de Guzman for the evocative musical interlude that accompanies this episode. Additional sound effects courtesy of Alexander Nakarada - Nomadic Sunset and BBC Sound Effects (Beta) Final credits: Excerpt from ‘Ancient Arcadian Harp' by Cormi 'Consul' by Pascal Quidalut

Myers Methods Presents Multifamily Missteps
Be Comfortable With The Market - Chris Larsen

Myers Methods Presents Multifamily Missteps

Play Episode Listen Later Oct 15, 2020 29:39


I had the pleasure of speaking with Chris Larsen today. Chris is a real estate expert, author, podcast host, and founder plus Managing Partner of Next-Level Income. Chris has been investing in and managing real estate for over 20 years. He is deeply passionate about helping investors become financially independent through education and investment opportunities with his experience.Let’s jump into Chris’s story and get expert advice from a real estate pro! Things you will learn in this episode:[00:01 - 07:19] Opening SegmentHow to get in contact with ChrisSee links belowChris talks about his career background and journey in real estateHe has a bachelor's degree in Biomechanical Engineering and M.B.A. in Finance at Virginia TechChris talks about his entrepreneurial sidePivoting from stock market to real estate[07:20- 13:29] Being Comfortable with the Market Chris talks about the challenges he faced in real estateWe learn more from the mistakes we madeThe biggest motivation for him in writing his book was so people can learn from his journey and the mistakes he made in the pastChris talks about the three things that investors need to look at when it comes to MultifamilyMake sure that you’re comfortable with the Market that you invest inMake sure that you understand the operator’s experience and the teamMake sure that you know the deal, especially the investment returnThe goal is to expand the value that you provide Chris talks about his experience in investment with his former partner[13:30 - 19:54] Finding your True Skills Chris talks about his self-discovery and how to be good at your skillsetIf you are interested in getting into multifamily or scaling your current business; hop over to our website myersmethod.com to grab your free four-step guide on how to get the ball rolling!Chris talks about all the different area of investingShort term cost and the long term cost[19:55 - 27:40] The Key is to Communicate Chris talks about the conversation to unravel a partnershipThe key indicator to understand your teamFundamental process change to prevent the unraveling of partnership[27:41 - 29:39] Closing SegmentWhat are your words of wisdom to our listeners?“ Dream big! Do not shy away from your dream and aspiration.”“Find, learn, and reach out to someone that has achieved what you want to achieve .”Final words from meTweetable Quotes: “If something doesn’t work, look at it as a learning experience and look forward. The lesson that you learn and the relationship that you build are much more valuable than the cost that took you there .” - Chris Larsen.You can connect with Chris on LinkedIn, and you can also visit the website at www.nextlevelincome.com/. Click here to get a free copy of his book https://www.nextlevelincome.com/ebook. LEAVE A REVIEW + help someone who wants to learn more from mistakes and missteps by sharing this episode or click here to listen to our previous episodes.Support the show (https://www.facebook.com/groups/157335752156211/)

INVESTTHIS
Creating Passive Income with Home Equity Investing

INVESTTHIS

Play Episode Listen Later Aug 27, 2020 37:44


Are you are a passive investor, or maybe thinking of diversifying your real estate portfolio? Home equity investing is a profitable, creative investment that can gain you massive profits. Last year almost a billion dollars was invested into the equity of single-family homes through home equity agreements. This enables homeowners to get a cash lump sum, without accruing more debt and allows the investor to share in the home's increased value. To detail exactly how investors can make money with home equity investing, I've brought on Matthew Sullivan, the founder, CEO, and Quantm Real Estate Director. Matthew spent several years working alongside Richard Branson and his corporate finance team and was involved in several high profile Virgin projects. He went on to create Crowdventure, LLC, a real estate crowdfunding company, and today he is working with homeowners to unlock the equity in their homes.Today's episode covers how investors can make massive passive income utilizing this creative approach, as well as the legalities, how to work with homeowners, and a sample deal of exactly what an investor can expect on a deal. How Matthew started in home equity investingUnderstanding home equity investing as a homeowner and investorExplanation of the different layers of titles that the jobs act enacted and working with the SECBreaking down the financialsSample home equity deal and what an investor can expectThe benefits to investors when utilizing home equity investing Explaining the downsides Understanding the equity returnThe biggest challengesCapital sources have a longer-term investment horizonThe sharing ratio explainedHow COVID19 has changed real estate investing The parameters that the homeowner needs to meet to be able to participate in home equity agreementsHomeowners are motivated, as it's not a reverse mortgage and does not eat into their existing equityCreating a financial mechanism that matches the investors with the asset, so everyone winsGet in Touch with Matthew:https://quantmre.com/Free e-Book: Equity Freedom

The Hero of the Story
Ezra and the Exiles’ Return [The Hero of the Story]

The Hero of the Story

Play Episode Listen Later Jan 6, 2020 19:24


Does it matter where God's people live? That's the question we're discussing as we look at Ezra 1-3 on The Hero of the Story. Listen in as we discuss: The importance of “place” and the significance of the exiles' returnThe rebuilding of the temple and the priority of worshipHow where we live does (and doesn't)... The post Ezra and the Exiles' Return [The Hero of the Story] appeared first on The Gospel Project.

Run the Small World
August 2019 - Mental Health with Meghan Ferriss

Run the Small World

Play Episode Listen Later Aug 22, 2019 72:57


A pretty upbeat, but sincere and deep, conversation about mental health issues—including a little about both Michael’s and Meghan’s struggles.This week's guest: Meghan FerrissFollow Meghan on Instagram: @megsrunsThis week’s topics:Mental Health!Meghan’s time off races and upcoming returnThe rest of Michael’s year of MarathoningBrief chatter on upcoming race costumesThe upcoming destiny of the 50th Peachtree Road Race’s mile 6 markers!Michael’s officially a Hammer Nutrition ambassador now!(For a 15% discount on your first order at hammernutrition.com, use customer number 294659 as your reference — ask Michael for advice/thoughts/recommendations!)For frequent photo and other updates check out the social network of your choosing:Instagram: @runthesmallworldFacebook: Run the Small World

On the Road, Our Way
That Forward Momentum: Gina Danza

On the Road, Our Way

Play Episode Listen Later Aug 16, 2019 38:28


It's not easy to create momentum, but when you finally do it can carry you far. From a cross-country move to a career development to the healing nature of road trips, photographer Gina Danza leans into her self-created forward momentum in all aspects of her life.As you'll hear, it's taken a lot of energy, personal strength, and attention to self care and mental well being to keep that forward momentum going, but you'll also hear that there's no sign of Gina stopping anytime soon. Because forward momentum, especially that which we create in an effort to fulfill our passions, make a positive impact, and reach our highest potential-- well, that's not something to take for granted.In this episode, you'll hear:The catalyst behind Gina's move from Los Angeles to New JerseyHow Gina views caring for your mental healthTips for accessing mental health resources while travelingThe road trips that helped Gina during transitional chaptersWhat places in the US Gina finds the most inspiring and why she wants to returnThe story that started Gina's deep-dive into DEI within the outdoor industryOther resources mentioned in this episode:Follow Gina on Instagram - @wildginaaRead a piece Gina wrote for RANGE Magazine - “Wild Equality: Finding Representation by Continuing to be Seen”Join the On the Road, Our Way Facebook Group!Sponsor Websites & Codes:MerrellEscape Campervan Rentals - visit www.escapecampervans.com/women and use promo code WOMEN15 for 15% off your next road trip!Infinity Luxury Woven Vinyl FlooringEnjoy this episode? Rate us on Apple Podcasts or wherever you listen. It'll help other people find us. You can also share this podcast with a friend. Thank you for your support!Episodes air weekly on Fridays-- subscribe wherever you listen so you never miss an episode. Follow along with Laura Borichevsky on Instagram (@howsheviewsit) and see more of her work through her website, How She Views It.Music is by Josh Woodward.A production of Ravel Media

Investopoly
Are property buyers' agents worth the money?

Investopoly

Play Episode Listen Later Aug 13, 2019 19:13


A buyers’ agent is a real estate professional that will help you identify and negotiate the purchase of a property according to your specifications. They typically work for property investors but can also be engaged to purchase owner-occupier homes. This blog discussed whether you should use a buyers’ agent and if they are worth the money?Don’t forget, I’m independent!I have no vested interest in whether my clients engage a buyers’ agent or not. I am completely independent.The advantage I have is that over the past 18 years since starting ProSolution, I have seen the performance of many property purchases resulting from advice provided by many different buyers’ agents. Also, like in many industries, the buyers’ agent industry is small. You quickly learn what types of properties different agents are buying, and what the outcomes have been. In short, I have the perspective of being an “independent umpire” for over nearly the past two decades.These are my musings – hopefully they help you and give you some insight.Mostly used by investorMost buyers’ agents aim their services at investors. There are a few buyers’ agents that will work for home buyers. However, buying a home can be a more difficult brief because there are many considerations to take into account as it tends to be a more of an emotional purchase. For the sake of this blog, I’ll focus on investors only.It’s what you don’t know (or can’t see) that could hurt youSelecting an investment-grade property can appear deceptively easy. You would be excused for thinking that all you need is a checklist of items/characteristics to run each property through. However, as I have written about previously, identifying a quality investment-grade property is part-art and part-science. A good checklist and some financial analysis should satisfy the ‘science’ bit. However, you typically need years of experience to fulfil the ‘art’ component.I recall discussing a property with a reputable buyers’ agent a few years ago. The property seemed (to me) to tick all the boxes. However, the buyers’ agent didn’t like the property because the street was renowned for car break-ins. As such, tenant turnover was higher than usual. No checklist will ever tell you that. Similarly, buyers’ agents have previously told me that sometimes a particular side of the street just won’t work from an investment perspective. Sometimes there’s no logical reason for an anomaly such as this – it comes down to experience.A professional advisors ‘experience’ should never be underestimated. In fact, as an independent financial advisor, I know it’s the most valuable attribute that I have to share with my clients. Of course, technical knowledge such as tax and super laws are important. But experience, such as knowing what strategies work in what situations, how markets behave, when to act and when to sit tight and so on are invaluable.It is far cheaper to learn from people’s experience than learn from your own (i.e. trial and error).You only have to be a little bit wrong to miss out on a lot of the investment returnThe difference in investment returns between an average property and an investment-grade property can be significant, especially over the long run. That is, making a few compromises on a property’s quality/attributes will likely result in a lower capital growth rate. A lot of property in Australia exhibits a growth rate at, or slightly above the inflation rate. So, a $750,000 property today might be worth $1 million to $1.85 million in 30 years’ time as illustrated in the table below. However, an investment-grade property should be worth in the range of $3 million to $4.3 million. That is a growth gap of circa $2 million to today’s dollars! That’s massive.See table hereEven the difference between a 4% and 5% p.a. growth rate is significant. When it comes to investing in property and selecting the right asset, you should never make any compromises!What value do buyers’ agents provide?A buyers’ agent might advertise certain benefits such as negotiation skills, access to off-market properties, time savings because they do all the leg work and so on. Of course, these are all benefits but not the main reason you would engage their services in my opinion.The main reason to engage a buyers’ agent is to reduce your investment risk. That is, reduce the risk of investing in a less-than-perfect property. Of course, it’s an investment so it can never be risk-free. There are no guarantees. However, a reputable buyers’ agent with 20+ years of experience is less likely to make a mistake.Investing is all about obtaining he highest return for the lower risk. It is evident from the table above that a small difference in growth rate will make a big difference to the amount of equity you have. A relatively small investment in professional advice to reduce your investment risk could prove to be one of your best investment decisions.How to select a good buyers’ agentGet a referral from someone that you trust and that knows what they are talking about e.g. have used the buyers’ agents’ services previously. Of course, there is lots of research you can do including reading Google, client testimonials, looking at professional recognition and qualifications, meeting in person and so on. However, this is weak evidence compared to a referral in my opinion.You are putting a lot of faith and trust in a buyers’ agent and paying them a lot of money. You must choose very wisely. You need someone that truly understand what makes an investment property work – not a salesman!How are their fees structured?In the main, buyers’ agents will charge to you a percentage of the property’s purchase price after a successful acquisition is completed. This percentage typically ranges from 2.2% to 2.75%, depending on the purchase price. Some buyers’ agents charge a fixed fee. Often, they will also charge a small “commitment fee” when you first engage them – so they know you are serious.A lower fee might seem like better value but be careful. The reality is, there aren’t that many investment-grade properties on the market – particularly this market where stock levels are very thin. So, if I’m charging a much lower fee than my competitors, I need to buy more properties, in less time. As such, there is commercial pressure to compromise on asset selection i.e. buy an imperfect property. However, if I’m charging a higher fee, there is less to no commercial pressure to compromise – it can be a lot more selective. I would rather pay a fee of $25,000 to get a 10/10 property, than a fee of $10,000 to get a 7/10 property (quality wise). A notional $15,000 saving in fee might end up costing me millions of dollars in missed capital growth – just something to be mindful of.Are fees tax deductible?No, unfortunately. Buyers’ agent fees are considered a capital cost and as such are added onto the cost base (so it reduces your eventual capital gains tax liability). Of course, you can add acquisition costs into the loan and the interest is tax deductible.How to instruct themWhen you appoint a buyers’ agent you need to brief them about what type of investment property you want? Sometimes people include their own personal preferences in terms of locations, architectural style and so forth. I advise against this. I believe you should only set two parameters:1. Your purchase price budget; and2. That you want to invest in a property that has the most compelling fundamentals that will drive the higher capital growth in the long run. Everything else is secondary.These are the only two factors you need to be concerned with. Fall in love with the property’s capital growth prospects, not its location or appearance. Remember, it’s a pure financial decision.Selecting the right property is fundamental to your successIt is tempting to try and select an investment property yourself so that you can avoid paying a buyers’ agent a fee. However, in many situations, it’s a false economy. An experienced and reputable buyers’ agent will pay for themselves in improved investment returns and/or lower investment risk. Quality professional advice (be it tax, property, financial, etc.) often seems expensive in the short-run but very cheap in the long-run.

The One You Feed
276: Donna Cameron on Kindness

The One You Feed

Play Episode Listen Later Apr 16, 2019 39:23


Donna Cameron has spent her career working with non-profit organizations and causes as an executive, consultant, a trainer and a volunteer. She’s the recipient of multiple awards an has published numerous articles. In 2011 she co-authored a book with Kristen Leathers called One Hill, Many Voices: Stories of Hope and Healing. In this interview, Donna and Eric discuss her book, A Year of Living Kindly: Choices That Will Change Your Life and the World Around You. You’ll hear insights into what it means, feels like and looks like to live kindly and your perspective on kindness will be broadened and enriched – possibly even changed – as a result. **Spiritual Habits Workshop – Enrollment ends 4/21/19! There’s still time to discover how spiritual habits connect you back to your deepest, truest self. Learn how to put personalized Spiritual Habits to work in your life in a special, one-time program with Eric and a small group of listeners. Click here for more information: thespiritualhabit.comNeed help with completing your goals in 2019? The One You Feed Transformation Program can help you accomplish your goals this year.But wait – there’s more! The episode is not quite over!! We continue the conversation and you can access this exclusive content right in your podcast player feed. Head over to our Patreon page and pledge to donate just $10 a month. It’s that simple and we’ll give you good stuff as a thank you!In This Interview, Donna Cameron and I Discuss…Her book, A Year of Living Kindly: Choices That Will Change Your Life and the World Around YouThat incivility is contagiousThat kindness is contagiousListening for the missed note instead of the musicPlaying “Gotcha” in the way you look at lifeThe negativity biasThe power of kindnessThe difference between nice and kindHer year of living kindly and blogging about itQuantifying the benefits of kindnessBeing indifferent and still being niceHow you can’t be indifferent and still be kindThat it takes courage to be kind, it doesn’t take courage to be niceExtending yourself beyond what is comfortableCaring, making an effort without worrying about getting anything in returnThe chasm between kindness and unkindnessNot being unkind doesn’t mean that you are being kindKeeping score and being kindThat when we say yes to one thing means we’re saying no to something elseThe health business of kindnessHow kindness alleviates social anxietyEmploying curiosity instead of judging people – “I wonder what’s going on in their lives?”Various kindness practicesPracticing a pauseAsking yourself “What is the kind response here?”Receiving graciously as an act of kindnessDonna Cameron Links:ayearoflivingkindly.comFacebookTwitterRobinhood is an investing app that allows you to buy and sell stocks, EFTs, Options, and Cryptos all commission free at any level. All it takes to do so is 4 taps in the app on your smartphone so it makes investing easy for beginners and experienced people alike. For The One You Feed listeners, you can get a free stock like Apple, Ford, or Sprint to help you build your portfolio by going to youfeed.robinhood.comQuip has guiding features that are a built-in support system for better brushing and it’s an affordable $25 www.getquip.com/wolf get your first refill pack for freeThe Great Courses Plus offers thousands of courses in virtually any topic and you can listen on demand anywhere. Get a FREE trial and lock into their lowest price of $10 per month (50% off the regular price!) when you sign up for a 3-month plan thegreatcoursesplus.com/wolfIf you liked this episode, you might also enjoy these other episodes:Johann BerlinBarbara Bonner

Animation For Adults: The AFA Podcast
Episode 113: Cowboy Bebop

Animation For Adults: The AFA Podcast

Play Episode Listen Later Nov 8, 2018 113:24


Its time to blow this scene get everyone and the stuff together 321 Lets Jam Yep its time for The AFA Podcast to talk Cowboy Bebop as the series is 20 years old this year Join us for a deep dive discussion as Rachael Nina and Chris discuss what makes this series so special as well as discussing the Movie favourite episodes and even ponder how the series could maybe returnThe episode was supposed to be released in time for Halloween the movie takes place at that time of year but unfortunately due to circumstances beyond our control it was delayed sorry about that We hope youll find it was worth the waitThis episode contains some strong language and fairly mild spoilers

KTs Money Matters
015 - Understanding the Complexity of the New Tax Code

KTs Money Matters

Play Episode Listen Later Feb 22, 2018 20:12


George Ferullo  In this episode, KT and George discuss: Getting taxes done this yearKeeping a cool financial headWriting off state and local taxes against the federal returnThe trade off    Key Takeaways: Your total tax obligation may not change as much as you thinkNot everybody is going to save taxesAlternative minimum taxes is a method on how to calculate your tax liability (state/local taxes and miscellaneous itemized deductions)… it wasn't adjusted along with inflationOnly children under the age of 17 at the end of the tax, qualify for the tax credit  "This is a very, very complex tax code that has just been introduced to us… so tread lightly." - George Ferullo Connect with KT Thomas: https://ktsmoneymatters.com/ Twitter: KT Thomas Purchase KT's book- The Hardworking Woman's Guide to Money Learn more about your ad choices. Visit megaphone.fm/adchoices