Podcasts about rrc

Are you looking to save time, make money, and start winning with less risk? Then head to https://www.ovtlyr.com.Is Rocket Lab ($RKLB) the next breakout play? This video breaks down a high-probability trade setup using the OVTLYR Nine framework — a strategic system that aligns trend, market signals, breadth, sector sentiment, and behavioral analytics into a simple checklist that gives traders the edge.Inside, you'll get a full breakdown of:✅ The exact screener criteria used to filter trades with the highest expected returns✅ How to use the fear & greed heatmap to time trades like institutional pros✅ Why “cash is a position” — and how to stay out of traps that destroy new traders✅ A walkthrough of Rocket Lab's setup across multiple signals: price trend, sector strength, breadth reversals, and clean order flow✅ And how to structure a trade for maximum reward while minimizing riskThis is real trading — not hype or guesswork. You'll see the thought process behind picking the trade, setting entries and exits, managing risk, and applying advanced options logic. We cover:➡️ Why extrinsic value ruins most retail options traders➡️ How to spot low-liquidity traps in the options chain➡️ The right way to size trades using ATR stops and volatility-adjusted levels➡️ And how anchoring to outcomes kills portfolios — plus what to do insteadYou'll also see how the OVTLYR Nine works in action — applied to not just Rocket Lab, but other tickers like $HIMS and $RRC. If it's not lining up across trend, signal, breadth, and sentiment… it's not worth the trade. Period.New to trading? This is the real learning curve. Expect to lose in Year 1. Maybe even Year 2. But with the right framework, plan, and risk focus, you can start stacking wins instead of stacking losses. That's the mission — trade smarter, not harder.No fluff. No gambling. Just strategy.And now with OVTLYR University launching — free and open access — you'll get structured education on exactly how to trade smarter using the same tools and processes shown here. No paywalls. No gimmicks. Just pure edge!Gain instant access to the AI-powered tools and behavioral insights top traders use to spot big moves before the crowd. Start trading smarter today

This week, we continue our Process Over Panic theme by focusing on how to take back control in uncertain times. Learn how to shift your energy toward what you can control—and let go of what you can't. Plus, Marcia Mantell joins us to break down the latest updates on Social Security and what they mean for your retirement plan. Tune in and take one more step toward a confident, purposeful retirement.SUMMARY OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) This show is dedicated to helping you not just survive retirement, but rock it!(01:58) We have to focus on things we can control and manage the things that we can't.(3:08) Today we are going to talk about social security- what we can control and what we can't. ROCKIN' RETIREMENT IN THE WILD(03:52) Roger shares a “Rockin' Retirement in the Wild” story from a listener and member of the RRC.PROCESS OVER PANIC- SOCIAL SECURITY WITH MARCIA MANTELL(06:30) There have been a lot of changes coming out of the Social Security Administration.(07:40) What is controllable with Social Security?(09:56) What are the uncontrollables with Social Security?(13:51) To help us understand the current state of Social Security, we're talking with Marcia Mantell.(15:38) Marcia says facts over fear are SO important and she is not fearful but watchful.(18:49) What changes have happened recently with social security?(23:00) There are different proposals floating around regarding Social Security to improve the implementation of the program.(25:10) Marcia discusses her thoughts on the idea that Social Security will run out by 2033.(28:55) How easy is it to create a sustainable Social Security system?(31:47) The goal of Social Security is to provide a basic income, roof over our head, and food on the table.(33:10) Over 50% of people rely on Social Security for their primary source of income.(36:10) If you are 55 or older, should you make a material change related to what you anticipate your Social Security to be?SMART SPRINT(40:56) In the next seven days, identify one thing in your retirement planning you can't control that's draining your energy. Then, take one small action to shift that focus toward what you can control. Awareness is the first step to rocking retirement—and life.BONUS(41:49) Next installment from missions flown by Roger's grandfather in World War IIREFERENCESRetirement Answer ManSign up for The Noodle (previously known as Six Shot Saturday)Mantell Retirement ConsultantsSocial Security AdministrationShow notes created by https://headliner.app

“Dismantling Racism from the Inside Out.” The idea is deceptively simple and strongly rooted in Jewish tradition. To change society, individuals must first address their own attitudes, biases and inner lives. Easy to say, much harder to carry out. With funding from the Wabash Center, Rabbi Sandra Lawson and Rabbi Alex Weissman decided to try this approach at the Reconstructionist Rabbinical College, which is committed to anti-racism. Working with faculty, Lawson and Weissman led a year-long process grounded in mussar (Jewish ethical practice.) The work was set to begin in earnest on Oct. 17, 2023. In this episode, Weissman and Lawson talk about how the attacks of Oct. 7 and subsequent war cast a shadow over the project but ultimately led to some important insights about how racism has impact Jewish institutions. They also address why, in an age of skyrocketing antisemitism, it's as important as ever for Jewish communities to address racism. Theme song, “Ilu Finu” by Rabbi Miriam Margles. Her album This is the Day is available for purchase at CDBaby: https://store.cdbaby.com/cd/miriammarglesandthehadarensemb Visit our home on the web — Evolve: Groundbreaking Jewish Conversations: http://evolve.reconstructingjudaism.org Subscribe by Email at http://subscribebyemail.com/evolve.fireside.fm/rss Read these show notes on the web at https://evolve.fireside.fm/1 This podcast is produced by Reconstructing Judaism. Visit us at ReconstructingJudaism.org (https://ReconstructingJudaism.org). Special Guests: Rabbi Alex Weissman and Rabbi Sandra Lawson.

Wedgemount Resources CEO Mark Vanry joined Steve Darling from Proactive to provide an operational update on the company's West Central Texas oil and gas assets. Vanry highlighted significant advancements in Wedgemount's enhancement and remediation program for the recently acquired producing oil and gas assets, known as Huggy, located in West Central Texas. As part of the operational improvements, the company has repaired and replaced natural gas transmission flow lines where necessary, allowing for gas sales to third-party purchasers. This marks a critical step toward optimizing production and monetizing resources. Additionally, certain gas wells have been reclassified as oil wells with the Texas Railroad Commission (RRC) following successful chemical treatments that enhanced oil production rates. Wedgemount also completed required compliance work with the RRC, which included well testing and ensuring adherence to operational regulations. Vanry noted that the company has initiated chemical treatments for wells, formations, and surface facilities, with plans to continue this program throughout 2025 to sustain and enhance production capacity. One major milestone is the optimization of the Davis lease wells, which are now producing at rates above historical initial production (IP) levels. Management anticipates these wells will maintain strong production throughout fiscal year 2024, with projected output exceeding 20 barrels per day (bbls/day) in the first quarter of 2025. Looking ahead, Wedgemount's operational focus for 2025 includes ongoing maintenance chemical treatments across all leases to maximize reserve recovery and extend the productive life of its assets. The company remains committed to sustainable and efficient operations, ensuring both compliance and long-term profitability. Vanry commented on the progress, stating, “Our team's efforts to enhance and optimize the Huggy oil and gas assets have yielded excellent results so far. With improvements to infrastructure, successful chemical treatments, and robust compliance measures in place, we're well-positioned to achieve sustained production growth and further unlock the value of these assets. #proactiveinvestors #westmountreosurcescorp #cse #wdgy #otcqb #wdgrf #OilAndGas #TexasEnergy #HuggyAcquisition #ChemicalOptimization #DavisWells #EnergyInvesting #2025Goals #invest #investing #investment #investor #stockmarket #stocks #stock #stockmarketnews

De tweede vragenronde van Oudheid! Deze keer met dr. Marleen Termeer van de Radboud Universiteit in Nijmegen bespreken we meerdere vragen van luisteraars! Die vragen kregen we binnen n.a.v. de aflevering 'De vroegste Romeinse munten'.Oudheid VragenrondeZo nu en dan zullen sprekers uit de podcast ingaan op vragen van luisteraars. Stel je vragen via de opmerkingen als je op Spotify luistert, stuur een DM naar @oudheidpodcast op Instagram of mail naar info@eppingproductions.nl.Shownotes

This podcast hit paid subscribers' inboxes on Oct. 31. It dropped for free subscribers on Nov. 7. To receive future episodes as soon as they're live, and to support independent ski journalism, please consider an upgrade to a paid subscription. You can also subscribe to the free tier below:WhoGeordie Gillett, Managing Director and General Manager of Grand Targhee, WyomingRecorded onSeptember 30, 2024About Grand TargheeClick here for a mountain stats overviewOwned by: The Gillett FamilyLocated in: Alta, WyomingYear founded: 1969Pass affiliations: Mountain Collective: 2 days, no blackoutsClosest neighboring ski areas: Jackson Hole (1:11), Snow King (1:22), Kelly Canyon (1:34) – travel times vary considerably given time of day, time of year, and weather conditions.Base elevation: 7,650 feet (bottom of Sacajawea Lift)Summit elevation: 9,862 feet at top of Fred's Mountain; hike to 9,920 feet on Mary's NippleVertical drop: 2,212 feet (lift-served); 2,270 feet (hike-to)Skiable Acres: 2,602 acresAverage annual snowfall: 500 inchesTrail count: 95 (10% beginner, 70% intermediate, 15% advanced, 5% expert)Lift count: 6 (1 six-pack, 2 high-speed quads, 2 fixed-grip quads, 1 carpet – view Lift Blog's inventory of Grand Targhee's lift fleet)Why I interviewed himHere are some true facts about Grand Targhee:* Targhee is the 19th-largest ski area in the United States, with 2,602 lift-served acres.* That makes Targhee larger than Jackson Hole, Snowbird, Copper, or Sun Valley.* Targhee is the third-largest U.S. ski area (behind Whitefish and Powder Mountain) that is not a member of the Epic or Ikon passes.* Targhee is the fourth-largest independently owned and operated ski area in America, behind Whitefish, Powder Mountain, and Alta.* Targhee is the fifth-largest U.S. ski area outside of Colorado, California, and Utah (following Big Sky, Bachelor, Whitefish, and Schweitzer).And yet. Who do you know who has skied Grand Targhee who has not skied everywhere? Targhee is not exactly unknown, but it's a little lost in skiing's Bermuda Triangle of Jackson Hole, Sun Valley, and Big Sky, a sunken ship loaded with treasure for whoever's willing to dive a little deeper.Most ski resort rankings will plant Alta-Snowbird or Whistler or Aspen or Vail at the top. Understandably so – these are all great ski areas. But I appreciate this take on Targhee from skibum.net, a site that hasn't been updated in a couple of years, but is nonetheless an excellent encyclopedia of U.S. skiing (boldface added by me for emphasis):You can start easy, then get as wild and remote as you dare. Roughly 20% of the lift-served terrain (Fred's Mountain) is groomed. The snowcat area (Peaked Mountain) is completely ungroomed, completely powder, totally incredible [Peaked is lift-served as of 2022]. Comparisons to Jackson Hole are inevitable, as GT & JH share the same mountain range. Targhee is on the west side, and receives oodles more snow…and therefore more weather. Not all of it good; a local nickname is Grand Foggy. The locals ski Targhee 9 days out of 10, then shift to Jackson Hole when the forecast is less than promising. (Jackson Hole, on the east side, receives less snow and virtually none of the fog). On days when the weather is good, Targhee beats Jackson for snow quality and shorter liftlines. Some claim Targhee wins on scenery as well. It's just a much different, less crowded, less commercialized resort, with outstanding skiing. Some will argue the quality of Utah powder…and they're right, but there are fewer skiers at Targhee, so it stays longer. Some of the runs at Targhee are steep, but not as steep as the couloirs at Jackson Hole. Much more of an intermediate mountain; has a very “open” feel on virtually all of the trails. And when the powder is good, there is none better than Grand Targhee. #1 ski area in the USA when the weather is right. Hotshots, golfcondoskiers and young skiers looking for “action” (I'm over 40, so I don't remember exactly what that entails) are just about the only people who won't call Grand Targhee their all-time favorite. For the pure skier, this resort is number one.Which may lead you to ask: OK Tough Guy then why did it take you five years to talk about this mountain on your podcast? Well I get that question about once a month, and I don't really have a good answer other than that there are a lot of ski areas and I can only talk about one at a time. But here you go. And from the way this one went, I don't think it will be my last conversation with the good folks at Grand old Targhee.What we talked aboutContinued refinement of the Colter lift and Peaked Mountain expansion; upgrading cats; “we do put skiing first here”; there's a reason that finance people “aren't the only ones in the room making decisions for ski areas”; how the Peaked expansion changed Targhee; the Teton Pass highway collapse; building, and then dismantling, Booth Creek; how ignoring an answering machine message led to the purchase of Targhee; first impressions of Targhee: “How is this not the most popular ski resort in America?”; imagining Booth Creek in an Epkonic alt reality; Targhee's commitment to independence; could Targhee ever acquire another mountain?; the insane price that the Gilletts paid for Targhee; the first time you see the Rockies; massive expansion potential; corn; fixed-grip versus detach; Targhee's high percentage of intermediate terrain and whether that matters; being next-door neighbors with “the most aspirational brand in skiing”; the hardest part of expanding a ski area; potential infill lifts; the ski run Gillett would like to eliminate and why; why we're unlikely to see a lift to the true summit; and why Targhee joined Mountain Collective but hasn't joined the Ikon Pass (and whether the mountain ever would).Why I thought that now was a good time for this interviewA few things make Targhee extra relevant to our current ski moment:* Targhee is the only U.S. ski area aside from Sugar Bowl to join the Mountain Collective pass while staying off of Ikon.* In 2022, Targhee (sort of) quietly opened one of the largest lift-served North American ski expansions in the past decade, the 600-acre Peaked Mountain pod, served by the six-pack Colter lift.* The majority of large U.S. ski areas positioned on Forest Service land are bashful about their masterplans, which are publicly available documents that most resort officials wish we didn't know about. That's because these plans outline potential future expansions and upgrades that resorts would rather not prematurely acknowledge, lest they piss off the Chipmunk Police. So often when I'm like “Hey tell us about this 500-acre bowl-skiing expansion off the backside,” I get an answer that's something like, “well we look forward to working with our partners at the Forest Service to maybe consider doing that around the year 3000 after we complete our long-term study of mayfly migration routes.” But Geordie is just like, “Hell yes we want to blow the resort out in every direction like yesterday” (not an exact quote). And I freaking love the energy there.* Most large Western ski areas fall into one of two categories: big, modern, and busy (Vail, Big Sky, Palisades, Snowbird), or big, somewhat antiquated, and unknown (Discovery, Lost Trail, Silver). But Targhee has split the difference, being big, modern, and lesser-known, that rare oasis that gives you modern infrastructure (like fast lifts), without modern crowds (most of the time). It's kind of strange and kind of glorious, and probably too awesome to stay true forever, so I wanted to get there before the Brobot Bus unloaded.* Even 500-inches-in-an-average-winter Targhee has a small snowmaking system. Isn't that interesting?What I got wrong* I said that $20 million “might buy you a couple houses on the slopes at Jackson Hole.” It kind of depends on how you define “on the slopes,” and whether or not you can live without enough acreage for your private hippo zoo. If not, $24.5 million will get you this (I'm not positive that this one is zoned for immediate hippo occupation).* I said that 70 percent of Targhee's terrain was intermediate; Geordie indicated that that statistic had likely changed with the addition of the Peaked Mountain expansion. I'm working with Targhee to get updated numbers.Why you should ski Grand TargheeThe disconnect between people who write about skiing and what most people actually ski leads to outsized coverage of niche corners of this already niche activity. What percentage of skiers think that skiing uphill is fun? Can accomplish a mid-air backflip? Have ever leapt off a cliff more than four feet high? Commute via helicopter to the summit of their favorite Alaskan powder lines? The answer on all counts is probably a statistically insignificant number. But 99 percent of contemporary ski media focuses on exactly such marginal activities.In some ways I understand this. Most basketball media devote their attention to the NBA, not the playground knuckleheads at some cracked-concrete, bent-rim Harlem streetball court. It makes sense to look at the best and say wow. No one wants to watch intermediate skiers skiing intermediate terrain. But the magnifying glass hovering over the gnar sometimes clouds consumer choice. An average skier, infected by cliffity-hucking YouTubes and social media Man Bro boasting, thinks they want Corbet's and KT-22 and The Cirque at Snowbird. Which OK if you zigzag across the fall line yeah you can get down just about anything. But what most skiers need is Grand Targhee, big and approachable, mostly skiable by mostly anyone, with lots of good and light snow and a low chance of descent-by-tomahawk.Targhee's stats page puts the mountain's share of intermediate terrain at 70 percent, likely the highest of any major North American ski area (Northstar, another big-time intermediate-oriented mountain, claims 60 percent blue runs). I suspect this contributes to the resort's relatively low profile among destination skiers. Broseph Jones and his Brobot buddies examine the statistical breakdown of major resorts and are like “Yo cuz we want some Jackson trammage because we roll hard see.” Even though Targhee is bigger and gets more snow (both true) and offers a more realistic experience for the Brosephs.That's not to say that you shouldn't ski Jackson Hole. Everyone should. But steeps all day are mentally and physically draining. It's nice most of the time to not be parkouring down an elevator shaft. So go to Targhee too. And you can whoo-hoo through the deep empty trees and say “dang Brah this is hella rad Brah.” And it is.Podcast NotesOn the Peaked Mountain expansionThe Peaked Mountain terrain has been marked on Targhee's trailmap for years, but up until 2022, it was accessible mostly via snowcat:In 2022, the resort dropped a six-pack back there, better defined the trail network, and brought Peaked into the lift-served terrain package:On Grand Targhee's masterplanHere's the overview of Targhee's Forest Service master development plan. You can see potential expansions below Blackfoot (left in the image below), looker's right of Peaked/Colter (upper right), and below Sacajawea (lower right):Here's a better look at the so-called South Bowl proposal, which would add a big terrain pod contiguous with the recent Peaked expansion:Here's the MDP's inventory of proposed lifts. These things often change, and the “Peaked DC-4” listed below actualized as the Colter high-speed sixer:Targhee's snowmaking system is limited, but long-term aspirations show potential snowmaking stretching toward the top of the Dreamcatcher lift:On opposition to all of this potential expansionThere are groups of people masquerading as environmental commandos who I suspect oppose everything just to oppose it. Like oh a bobcat pooped next to that tree so we need to fence the area off from human activity for the next thousand years. But Targhee sits within a vast and amazing wilderness, the majority of which is and should be protected forever. But humans need space too, and developing a few hundred acres directly adjacent to already-developed ski terrain is the most sustainable and responsible way to do this. It's not like Targhee is saying “hey we're going to build a zipline connecting the resort to the Grand Teton.” But nothing in U.S. America can be achieved without a minimum of 45 lawsuits (it's in the Constitution), so these histrionic bozos will continue to exist.On Net Promoter Score and RRCI'm going to hurt myself if I try to overexplain this, so I'll just point toward RRC's Net Promoter Score overview page and the company's blog archive highlighting various reports. RRC sits quietly behind the ski industry but wields tremendous influence, assembling the annual Kotke end-of-season statistical report, which offers the most comprehensive annual overview of the state of U.S. skiing.On the reason I couldn't go to Grand Targhee last yearSo I was all set up to hit Targhee for a day last year and then I woke up in the middle of the night thinking “Gee I feel like I'm gonna die soon” and so I did not go skiing that day. Here's the full story if you are curious how I ended up not dying.On the Peaked terrain expansion being the hypothetical largest ski area in New HampshireI'll admit that East-West ski area size comparisons are fundamentally flawed. Eastern mountains not named Killington, Smugglers' Notch, and Sugarloaf tend to measure skiable terrain by acreage of cut trails and maintained glades (Sugarbush, one of the largest ski areas in the East by pure footprint, doesn't even count the latter). Western mountains generally count everything within their boundary. Fair enough – trying to ski most natural-growth eastern woods is like trying to ski down the stands of a packed football stadium. You're going to hit something. Western trees tend to be higher altitude, older-growth, less cluttered with undergrowth, and, um, more snow-covered. Meaning it's not unfair to include even unmarked sectors of the ski area as part of the ski area.Which is a long way of saying that numbers are hard, and that relying on ski area stats pages for accurate ski area comparisons isn't going to get you into NASA's astronaut training academy. Here's a side-by-side of 464-acre Bretton Woods – New Hampshire's largest ski area – and Targhee's 600-acre Peaked Mountain expansion, both at the same scale in Google Maps. Clearly Bretton Woods covers more area, but the majority of those trees are too dense to ski:And here's an inventory of all New Hampshire ski areas, if you're curious:On the Teton Pass highway collapseYeah so this was wild:On Booth CreekGrand Targhee was once part of the Booth Creek ski conglomerate, which now exists only as the overlord for Sierra-at-Tahoe. Here's a little history:On the ski areas at Snoqualmie Pass being “insane”We talk a bit about the “insane” terrain at Summit at Snoqualmie, a quirky ski resort now owned by Boyne. The mountain was Frankensteined together out of four legacy ski areas, three of which share a ridge and are interconnected. And then there's Alpental, marooned across the interstate, much taller and infinitely rowdier than its ho-hum brothers. Alpy, as a brand and as a badass, is criminally unknown outside of its immediate market, despite being on the Ikon Pass since 2018. But, as Gillett notes, it is one of the roughest, toughest mountains going:On Targhee's sinkholePer Jackson Hole News and Guide in September of last year:About two weeks ago, a day or so after torrential rain, and a few days after a downhill mountain biking race concluded on the Blondie trail, Targhee ski patrollers noticed that something was amiss. Only feet away from the muddy meander that mountain bikers had zipped down, a mound of earth had disappeared.In its place, there was a hole of unknown, but concerning, size.Subsequent investigations — largely, throwing rocks into the hole while the resort waits for more technical tools — indicate that the sinkhole is at least 8 feet wide and about 40 feet deep, if not more. There are layers of ice caking the walls a few feet down, and the abyss is smack dab in the middle of the resort's prized ski run.Falling into a sinkhole would be a ridiculous way to go. Like getting crushed by a falling piano or flattened under a steamroller. Imagine your last thought on earth is “Bro are you freaking kidding me with this s**t?”On the overlap between Mountain Collective and IkonMountain Collective and Ikon share a remarkable 26 partner ski areas. Only Targhee, Sugar Bowl, Marmot Basin, Bromont, Le Massif du Charlevoix, and newly added Megève have joined Mountain Collective while holding out on Ikon.The Storm explores the world of lift-served skiing year-round. Join us.The Storm publishes year-round, and guarantees 100 articles per year. This is article 70/100 in 2024, and number 570 since launching on Oct. 13, 2019. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.stormskiing.com/subscribe

In this episode, we delve into the concept of the Circle of Competence, a key principle in the mental mindset arsenal. We also feature Karen's inspiring story of transitioning from accumulation to decumulation, redefining her retirement journey. Join us as we explore the importance of deep knowledge versus surface understanding, and how you can apply these insights to your life. Also, don't miss our upcoming live online meetup on November 7, where we'll discuss Roth conversions and introduce the Rock Retirement Club. Sign up at livewithroger.com and take the first step towards rocking your retirement!PRACTICAL PLANNING SEGMENT(00:00) This week we will talk about the Circle of Competence and decumulation (01:05) Live online meet up 11/ 7 at 7pm central about Roth conversions and RRC Open House(04:33) The internet creates false competence and internet experts(07:05) Circle of competence says individuals should focus their efforts within areas where they have a deep understanding or expertise (07:32) Warren Buffett is a master at staying within the Circle of Competence (12:10) Your competence in retirement is informed by your experience and research(14:00) How do you know who is competent at some level in retirement planning?(15:10)  As competence goes up, sometimes confidence can diminish(18:40) If you're not in your Circle of Competence, what should you do?(21:30) How do you gauge someone's Circle of Competence?INTERVIEW WITH KAREN ABOUT DECUMULATION(24:27) Karen shares her story and journey to understanding decumulation(25:20) Karen became a widow five years before she retired from pediatrics at age 62(26:50) Karen learned from the RRC about the concept of decumulation(29:30) Second Order consequence of not touching principal (33:00) Karen talked about a degenerative issue from a vision standpoint in your family(35:56) I asked RRC members for recommendations on where to go, what to do(38:00) Karen recaps her travels as a single elderly lady traveling alone and with groups(40:29) So I'm thinking of you in decumulation, that change in conception and seeing in detail that it's okay to spend x amount of money on various things.SMART SPRINT(43:11) In the next seven days, I want you to think about the distinction between accumulation and decumulation.REFERENCESGreat Mental Models-  Rhiannon Beaubien Shane ParrishInto Thin Air- Jon KrakauerLive Long and Well with Dr. BobbyOverseas Adventure TravelThe History Chicks PodcastRoad ScholarsThe Soul of Wealth- Dr. Daniel Crosby

Welcome to the second week of our series on improving decision-making skills with mental models to help you rock retirement! This week, we delve into the concept of second order thinking, also known as the law of unintended consequences. Learn how to think beyond immediate outcomes and explore the long-term impacts of your decisions, whether it's buying a new car or helping your child with a down payment. We'll also share insightful stories from RRC retirees who have navigated the transition to retirement, offering wisdom on what they were excited about, what they worried about, and how their perspectives have changed. Plus, we answer your questions and discuss practical applications of second order thinking in retirement planning. Join us for an episode packed with valuable insights and tips to enhance your retirement journey! PRACTICAL PLANNING SEGMENT(00:00) This week's show focuses on improving decision making skills ahead of retirement(01:15) Revisiting inversion thinking with listener feedback(03:18) Shoutout to RRC Member Kevin(5:00) Starting our second mental model: Second order thinking or the law of unintended consequence(9:00) Reflecting on giving money productively to children using second order thinking (12:58) Second order consequence thinking can help you tease out downstream consequences of retirement planning(13:40) Building a retirement plan of record thinking in second order consequence thinking.RRC RETIREE INTERVIEWS(15:20) Talking to our own Kevin Sebesta about retirement (18:09) What is a fun bucket?(23:00) Talking with two-year retiree, Bob, about what his concerns were before retirement and what he was most looking forward to.(27:54) Bob talks about making indulgent purchases in retirement.(30:46) Asking Bob what advice he would have given his younger self.(33:01) Talking to five-year retiree, Becky, about her concerns prior to retirement.(36:06) When you retired, would you say you were overfunded or very constrained?(38:00) How were you comfortable with the unknown going into retirement?(39:30) How important is it to have friends who are on a similar journey?(44:57) Talking to four-year retiree, Jack, about his concerns two years prior to retirement.(48:35) Jack talks about volunteering at food pantries and food banks.(50:46) How do you avoid getting bored in retirement?(52:04) What would you have done differently when it comes to transitioning to retirement?(53:15) Talking with five-year retiree, Chip, about transitioning from professional to retiree.(55:55) A year or two before retirement, what were your biggest concerns?(56:50) “Getting laid off was probably the best thing that ever happened to me.”(59:17) It's been a journey after retirement figuring out how to manage your time(01:03:10) Looking back, is there anything you would've done differently?LISTENER QUESTIONS(01:05:14) Mikey asks about withdrawing social security before seventy.(01:09:23) Mike and Bonnie ask about using debt for tax management purposes(01:16:21) Dirk asks about principle protected, structured ETFs(01:17:25) What is principal protection structured ETF?(01:23:59) Tim asks about investing based on newsletters.SMART SPRINT(01:28:59) Use second order thinking to help you make low-stakes decisionsREFERENCESRock Retirement Clubhttps://rockretirementclub.com Six Shot Saturdayhttps://sixshotsaturday.com Roger Whitneyhttps://rogerwhitney.com 

It's not easy to talk about and process the first anniversary of Oct. 7, 2023, when war continues to widen, hostages remain in Gaza and a ceasefire seems less and likely. This episode aims to model such a conversation. In a wide-ranging interview featuring Rabbi Mira Wasserman, Ph.D., interim vice president of the Reconstructionist Rabbinical College and Elliott Glassenberg, senior educator at BINA: the Jewish Movement for Social Change, they and Bryan discuss Oct. 7 and how Israeli and American Jews have been impacted. They also explain the relationship between RRC and BINA and how it may be more important than ever for rabbis serving in the Diaspora to devote time to better understanding the dynamics of Israeli society. Theme song, “Ilu Finu” by Rabbi Miriam Margles. Her album This is the Day is available for purchase at CDBaby: https://store.cdbaby.com/cd/miriammarglesandthehadarensemb Visit our home on the web — Evolve: Groundbreaking Jewish Conversations: http://evolve.reconstructingjudaism.org Subscribe by Email at http://subscribebyemail.com/evolve.fireside.fm/rss Read these show notes on the web at https://evolve.fireside.fm/1 This podcast is produced by Reconstructing Judaism. Visit us at ReconstructingJudaism.org (https://ReconstructingJudaism.org). Special Guests: Elliot Glassenberg and Rabbi Mira Beth Wasserman, Ph.D..

Het gesprek met dr. Marleen Termeer van de Radboud Universiteit in Nijmegen ging nog even door. In deze bonusaflevering vertelt Marleen hoe de Romeinse munten ons kunnen helpen om Romeins Italië beter te kunnen begrijpen.Mini-serie 'Romeins Italië'In vier weken nemen verschillende experts ons mee naar verschillende onderwerpen die te maken hebben met Romeins Italië: van wonen in insulae, werken in Rome en Ostia, de introductie van muntgeld tot Cicero.Shownotes

In deze eerste aflevering van de mini-serie 'Romeins Italië' neemt dr. Marleen Termeer van de Radboud Universiteit in Nijmegen ons mee naar de periode waarin we de vroegste Romeinse munten zien verschijnen. Is dat moment aan te wijzen en, indien bevestigend, op welk moment zien we dat gebeuren? Wat is 'geld' eigenlijk en welke ontwikkelingen zien we in de eerste vier eeuwen voor Christus in Rome en Romeins Italië?Mini-serie 'Romeins Italië'In vier weken nemen verschillende experts ons mee naar verschillende onderwerpen die te maken hebben met Romeins Italië: van wonen in insulae, werken in Rome en Ostia, de introductie van muntgeld tot Cicero.Shownotes

Selling the business and retiring isn't an on/off switch. When you approach it like a dimmer, you gain the confidence to transition with peace of mind. Roger Whitney, the Retirement Answer Man, points out that decisions like taking a pension or lump sum are just the basics. The real focus should be on the visionary choices that truly shape your retirement.   KEY TOPICS How to stop losing sleep over retirement planning. Recognizing and honoring phases of life as they evolve. Why the primary crisis of retirement is sheer lack of confidence. How to map out “what's next” following your retirement.   CHAPTERS 00:00 Mission of Decidedly 04:02 Roger Whitney, the Retirement Answer Man 06:35 The Crisis of Your Confidence 09:00 When You're Nervous to Retire 13:39 The First Steps to Retirement Planning 16:26 Stop Chasing the New Strategy 20:00 Make Yourself Uncomfortable 26:16 Embracing New Seasons 30:05 Retiring to Something Refreshing 35:08 Post-Retirement Goal Setting 37:40 Rich People Don't Think They're Rich 41:36 Gratitude Practice to Combat Fears 43:30 Repairing a Bad Money Decision 48:52 Decision Tip for Business Owners 50:44 Key Takeaways 51:36 Producer Closing   CONNECT WITH US ⁠www.decidedlypodcast.com⁠ Watch the full episode on YouTube Subscribe to watch weekly episodes on YouTube⁠ Join us on ⁠Instagram⁠: @decidedlypodcast Join us on ⁠Facebook⁠ Shawn's Instagram⁠: @shawn_d_smith Sanger's ⁠Instagram⁠: @sangersmith     Thank you to Shelby Peterson of Transcend Media for editing and post-production of the Decidedly podcast.   SANGER'S BOOK: ⁠A Life Rich with Significance: Transforming Your Wealth to Meaningful Impact⁠   SHAWN'S BOOK: ⁠Plateau Jumping: What to Change When Change Is What You Want⁠   MAKING A FINANCIAL DECISION? At ⁠Decidedly Wealth Management⁠, we focus on decision-making as the foundational element of success, in our effort to empower families to purposefully apply their wealth to fulfill their values and build a thriving legacy.  LEARN MORE: ⁠www.decidedlywealth.com⁠   SUBSCRIBE TO THE NEWSLETTER:⁠ https://visitor.r20.constantcontact.com/manage/optin?v=001aeU_pPBHJPNJWJBdVbaci6bjGIuEJurH12xHBWDEVT_NxyCadMd7wLSZjcEZglkSjDjehuIbTHD8nABOIdV69ctfYpSzg24RCIytetBUrlIPPKgaGzjGZ8DkM0Wp1LMjbErcYUur7PbZGjeVo4gyXlz821AoJGZR⁠       CONNECT WITH ROGER WHITNEY Website: www.rogerwhitney.com Retirement Answer Man Podcast: www.rogerwhitney.com/blog Rock Retirement Book: www.rogerwhitney.com/the-book   Roger has been walking life with clients as a financial advisor for more than 25 years and is the host of the award-winning Retirement Answer Man® podcast. He is on a mission to change the way the world thinks about retirement, one little conversation at a time. Roger established the RRC in 2018 to help foster a safe online space for soon-to-be retirees to learn, plan, and interact with other like-minded folks on the path to retirement. As if that's not enough to keep him busy, he is the author of Rock Retirement: A Simple Guide to Help You Take Control and Be More Optimistic About the Future, a Forbes online contributor, creator of the Agile Financial Planning process, and past instructor of the Retirement Planning & Employee Benefits CFP® certificate program at the University of Texas Arlington and of Wealth Management at Texas Christian University. Investopedia has named him to the Top 100 Most Influential Advisors 2017-2019 & 2021, and he has brought home Plutus Awards for Best Financial Planner Blog (2019) and Best Retirement Blog (2015 and 2017).

11.00 ก.ต่างประเทศ ประชุม RRC เพื่อประเมินสถานการณ์อิสราเอล-เลบานอน เตือนคนไทยระมัดระวังการเดินทาง

Join me as I interview Kevin Lyles, CRPC. Kevin is a Retirement Planner and the Head Retirement Coach of the RRC (Rock Retirement Club). Kevin shares his insight as a retirement planner and a six year retiree. If you'd like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

By Davy Crockett After Ted Corbitt's disappointing 1952 Olympic marathon, he was determined to continue running. (Read Part One). His key takeaway was that he had to elevate his performance by running more often and covering greater distances. But as he continued to push his training, he experienced a series of chronic muscle strains for the next year. Corbitt was focused on the marathon distance and continued to finish high each year at Boston. He believed that success would require training every day, reaching at least 100 miles per week. His perseverance finally paid off in January 1954, when he emerged victorious in a marathon held in Philadelphia, completing it in 2:36:08. He won again, at the 1954 Yonkers Marathon, considered the national championship, with a time of 2:46:13. He had proven that his 1952 Olympic selection was justified. In 1955, he made the team for the Pan American team in Mexico City but was cut from the team became of lack of funds. It bothered him that some newspapers listed him as a non-finisher in the race. He never started it. Throughout his long running career, he never had a "did not finish (DNF)." Learn about the rich and long history of ultrarunning. There are now ten books available in the Ultrarunning History series on Amazon Learn More The 1956 Olympics were to be held in Melbourne, Australia, during the month of December, which caused alterations to everyone's training calendars. With the goal of making the Olympic team again, he surpassed 5,000 miles in 1956. If the Olympics had been held during the northern hemisphere summer, he would have made the team. But after a six-place finish at the Yonkers Marathon, held during the fall, he fell to the alternate place for the team. Corbitt was obviously very disappointed that he missed being on the '56 team by just one man. He recalled, “It was like being in mourning.” Still, he never contemplated quitting running. In May 1956, he set the American record for a marathon on the track with 2:42:25 in Philadelphia, and became the U.S. National Champion at 30 kilometers, repeating in 1957. Corbitt's future involvement in ultrarunning would take root with the London to Brighton race held in England. London To Brighton Ultra-distance races essentially disappeared during the World War II era. In the late 1950s, the modern era of American ultrarunning gave birth. This was largely because of the efforts of the Road Runner Club of America (RRCA) established in 1958, and also because of the efforts of Corbitt. England took the lead in the 1950s to reestablish ultras, and specifically the 50-miler. The London to Brighton 52-miler began as an official running race in 1951 with 47 starters. It had been a standard point-to-point challenge for both walkers and runners since the first running race held in 1897. Heel and Toe walking races were held for many years on the route during the first half of the twentieth century. In 1951, the London to Brighton running race was established by Ernest Herbert Neville (1883-1972) and the Surbiton Town Sports Club. It would eventually be considered the de facto world championship 50-mile race for several decades. The Road Runners Club (RRC) In England, the Road Runners Club (RRC) was founded in 1952 by Neville to help promote London to Brighton and to encourage more long-distance running. “The aim of the RRC is to bring together all those interested in long distance running, to stimulate interest in our great sport, to serve as a forum for all enthusiasts, and to further the interests of road runners everywhere.” By 1953, London to Brighton got the attention of leading long distances runners from other areas of the world, especially among ultrarunners in South Africa who had been running the Comrades Marathon (54 miles). London to Brighton became the race that the best ultrarunners in the world wanted to compete in. The RRC was an amazing success and the number of road races in ...

In a world where LGBTQ+ individuals still face significant challenges, Rainbow Resource Centre (RRC) steps up to provide crucial support, advocacy, and resources. Dedicated to fostering inclusivity and acceptance, RRC works tirelessly to create a society where everyone can live authentically and free from discrimination. Find out how they are making a significant impact on the lives of LGBTQ+ individuals. Want to support Rainbow Resource Centre? https://rainbowresourcecentre.org/ Find the episode at: https://great.com/great-talks-with/rainbow-resource-center

We're previewing the 10th annual Biohacking Conference in Dallas, Texas, (May 30 - June 1) on The Human Upgrade! Mike McIntyre and ARRC are pioneering advancements at the intersection of frequency medicine and light therapy. By utilizing photons of light to carry therapeutic frequencies, their approach, known as photobiomodulation, opens new doors to enhancing health and meditative states. This technology not only enhances physical wellbeing but also elevates spiritual and mental health, establishing it as a cornerstone of innovative wellness practices. In this episode, explore the cutting-edge applications of photobiomodulation showcased at the Biohacking Conference. Attendees will experience firsthand how ARRC's light therapy technologies can transform their health by harnessing the power of light frequencies to stimulate cellular repair and enhance meditative practices, offering a glimpse into the future of holistic health enhancement. Timestamps:(00:01) Introduction to the episode and the Biohacking Conference. (01:12) Welcome Mike McIntyre and background into photobiomodulation. (01:55) Advancements in light therapy technology and its implications. (02:46) Discussion on using light therapy to enhance spiritual and meditative practices. (04:08) Observations on the impact of specific frequencies in light therapy. (06:02) The potential of light and frequency to influence health at a quantum level. (08:20) Benefits and experiences of using A RRC's light therapy. (10:36) Details on session lengths and the immediate effects post-therapy. (14:29) Discussing the broader applications and scientific backing of light therapy. (16:55) Safety, side effects, and optimal dosing of light therapy treatments. (18:37) Encouragement to visit the Biohacking Conference and try out A RRC technology. Sponsors: ARRC LED | Go to ARRCLED.com to learn more! Resources: 10th Annual Biohacking Conference: You'll learn from dozens of experts at an amazing event that's designed to upgrade every area of your life. https://biohackingconference.com Dave Asprey's NEW Book 'Smarter Not Harder' Follow Dave on Instagram: @Dave.Asprey Follow The Human Upgrade: @TheHumanUpgradePodcast Want to join The Human Upgrade Podcast Live? Join Our Upgrade Collective: https://www.ourupgradecollective.com/ Follow ARRCLED on Instagram: @ARRCLEDSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode of Word on the Street: an OML & RRC podcast, SIE Suzan Amiri is joined by Dr. Farid Senzai, Professor of Political Science at Santa Clara University. Join them on this journey of story-telling as they open up and share their experiences as Afghan-Americans. SPECIAL GUEST: Dr. Farid Senzai Professor of Political Science at Santa Clara University Founder & President of Afghan Relief BE A PART OF THE PODCAST If you would like to write in to, join, comment on, or suggest episodes to the Word on the Street: an OML & RRC Podcast, please fill out the google form listed below. https://docs.google.com/forms/d/1s1kr2rKW1hsgTNNr81K-RreySUu-YxEV7cUD6MjMw5g FOLLOW US FOR MORE! INSTAGRAM @rrc_scu @scuoml FACEBOOK @SCURainbowResourceCenter @SCUOfficeForMulticulturalLearning SPOTIFY Word On The Street: An OML & RRC Podcast SCU OML YOUTUBE SCU Office for Multicultural Learning

#encountertoday #alandidio #propheticintel #rrc #fridayservice Join us tonight at the RRC in Gallatin, TN for a "End-Time Mystery Exposed: Don't Be Deceived" with our special guest Bishop Alan DiDio of Encounter Ministries! Website: www.PastorTodd.org To Give: www.ToddCoconato.com/give https://encountertoday.com/

Over these past few weeks, we have been discussing the FIRE movement with Kevin Sebesta, a coach in the RRC who achieved FIRE some time ago and has been rocking retirement ever since.  This week Kevin helps me explore the challenges that retiring early can bring. Listen in to hear if these are similar to the issues you face in retirement.  OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN PRACTICAL PLANNING SEGMENT [4:58] The challenges of leaving traditional work early [10:55] Healthcare is one of the challenges [17:28] The non-financial challenges of FIRE LISTENER QUESTIONS WITH ANDY PANKO [27:44] Which Social Security benefit should we take? [31:28] Relating to working with a bad financial advisor [36:47] What to do with an overfunded whole life insurance policy [43:07] How are IRMAA surcharges calculated? TODAY'S SMART SPRINT SEGMENT [47:55] When you're in a disagreement with someone, step out and reset yourself to gain perspective Resources Mentioned In This Episode Retirement Planning Education podcast Rock Retirement Club Roger's YouTube Channel - Roger That BOOK - Rock Retirement  by Roger Whitney Roger's Retirement Learning Center

I know I have been absent for a while, but this was just too important of a conversation to have not to make time for it. I hope you learn something, and not just anxiety inducing stuff, but something to be hopeful for. You'll likely recall our recent brush with seismic activity - that should be our wake up call. That's the message candidate and guest Bill Burch is arguing, and you'll be glad someone with this much industry knowledge and experience is ready to push us onto a better path. Check out the convo and then check out more info on Bill below.Want to learn more about Bill?Website:https://burch4trrc.com/Want to reach me?Email: theelpasobeat@gmail.comFB/IG/Threads: @theelpasobeat

We are so glad you joined us to help you start your new year! This episode's guest is Matthew Rathbun. Matthew discusses business suggestions, strategies, and ideas to help you make your plans for success this year. This is Part 2 of the interview with Matthew on Business Planning. The first part was launched earlier this month. In this part 2 episode, Matthew leads us into a conversation about the people you're partnering with in your business and gives some great suggestions when you consider the rhythm of work and home life. We would also love to hear your feedback on this new format with two parts and shorter episodes.    [2:30] Matthew urges you to choose your sellers and buyers carefully. Allot your time and attention to the right people.   [7:30] Matthew explains that you are alienating your market if you post what a great time it is to buy. It is a very different marketplace today with a different cost of living and a weaker job market than past markets.   [8:27] Whatever you post in a public forum, consider how it impacts your target audience. Tell them you understand their pain points and villains and you have the solutions to their problems.  [12:27] Matthew sits on the board of a housing non-profit. He had a recent conversation with a board member about the challenges people have coming up with the down payment.   [13:40] Matthew recommends apps that can function as your Personal Knowledge Management System.    [16:49] Matthew discusses digital mind mapping and a powerful tool for this.    [18:01] Matthew does his business planning in October and November to get ready for January. Do it when it's right for you. [21:43] Do not trade your family for your career. Your career is alluring; everyone's feeding your ego. It's an ego-driven industry. What your spouse and kids think of you is eternal.   [30:21] Matthew's last word: He has a business planning workbook that you can download on this site.    [31:15] Look for things like virtual assistants. Start budgeting; this market is going to create opportunities.    [31:55] The world is changing rapidly. There is going to be a lot of opportunity in the changes with the right mindset and the right plans.  [33:35] We hope you will consider taking the ABR®, the Accredited Buyer's Representative designation, this year. You can learn more at learning.realtor.   [34:02] We will be continuing with great education to help you work more clearly and more intentionally with buyers. Join us every two weeks for new episodes and review the past episodes if you need help with specific topics. Thanks for joining us! Go out there, improve your system, and sell some property!   Tweetables:   “[Use a] Personal Knowledge Management System. Our brains were designed for creating ideas, not for remembering things.” — Matthew Rathbun   “It is not worth trading your family for this career. I have watched it happen way too many times.” — Matthew Rathbun   “I don't expect my family to support my career. I think that's a misalignment.” — Matthew Rathbun   Guest Links: Matthew Rathbun on Facebook Canva Templates at Etsy.com NARRPR.com REALTOR® Property Resource   MyStorybrand.com Apple Notes Evernote Getting Things Done: The Art of Stress-Free Productivity, by David Allen Apple Freeform MindMup Cofftivity MyOutDesk Matthewrathbun.com/resources/   NAR Resource Links NAR.realtor/technologyABR® SRS C-RETS class   Additional Links: Microcourses found at Learning.REALTOR. Use the coupon code PODCAST to obtain 15% off the price of any microcourse!   CRD@NAR.REALTOR Crdpodcast.REALTOR Learning.REALTOR — for NAR Online Education Training4RE.com — List of Classroom Courses from NAR and its affiliates CRD.REALTOR — List of all courses offered REBI   Host Information: Monica Neubauer Speaker/Podcaster/REALTOR® Monica@MonicaNeubauer.com MonicaNeubauer.com FranklinTNBlog.com   Monica's Facebook Page: Facebook.com/Monica.Neubauer Instagram: Instagram.com/MonicaNeubauerSpeaks   Guest Bio Matthew Rathbun I'm unapologetically me. I love learning and sharing what I've learned with anyone willing to listen. It's what I've done all of my life. I'm a restless and demanding learner myself, so I focus on people in the audience who want advanced information, a little humor, and actionable information when they leave. If a learner attends one of my sessions, I feel honored to have them there and feel that I have a duty to ensure that the time they have given me will be valuable to them. I believe that every moment with learners should count.   I still work with clients and actually practice the skills and information that I deliver in each class. I'm also a licensed broker in Virginia, DC, and Maryland and a licensed instructor in many states in the U.S. I am the Executive Vice President of a large multi-office firm in Virginia and oversee operations, risk management, and agent development among other things. Before becoming a broker, I was a high-performing agent and received a number of awards and accolades throughout the year including the Virginia Association Instructor of the Year, and was recognized by RISMedia Newsmaker Thought Leader in 2020.   My course offerings are pretty extensive and I'm always happy to create unique content if it's within my knowledge base. I'm a certified CRS instructor and have contributed to or written various national certification and designation courses for RRC, REBAC, and REBI (all three NAR education institutes). My emphasis is on leadership development, technology, risk management, and advanced practice of real estate. I have a wide range of experience with risk reduction, including serving on the local, state, and national professional standards workgroups, MLS compliance committees, and various other industry opportunities that have given me broad exposure to what should be the best practices in the industry. I am an alumnus of the VAR Leadership Academy. As an author, I have contributed to many real estate industry magazines and online industry news venues.   A few accolades: REBI National Distinguished Instructor of the Year 2021 CRS National Instructor of the Year 2020 Virginia Association of REALTORS® — Instructor of the Year 2007 RISMedia Newsmaker — 2020 Influencer Virginia REALTORS® Graduate — Leadership Academy — 2007 Fredericksburg Assoc. of REALTORS® — Realtor of the Year 2020 Fredericksburg Assoc. of REALTORS® — President's Award 2010 Fredericksburg Assoc. of REALTORS® — Code of Ethics Award 2011 Fredericksburg Assoc. of REALTORS® — Rookie of the Year 2003 Fredericksburg Assoc. of REALTORS® — Honor “Role” Fredericksburg Assoc. of REALTORS® — Production Awards Coldwell Banker Recruiter Award — Virginia

In part one of our new finance series, “Wealth Wisdom,” our expert hosts delve into the crucial realm of financial literacy for first-time homebuyers and investors. Unveiling the potential pitfalls and challenges that may arise when individuals lack a solid understanding of their finances, this episode offers valuable insights and practical advice on how to empower clients on their journey towards real estate success.

We are so glad you joined us to help you start your new year! This episode's guest is Matthew Rathbun. Matthew will be discussing business suggestions, strategies, and ideas to help you make your plans for success in 2024. This is the first part of a series on Business Planning with Matthew this month. The second part will launch later this month.   [2:55] Matthew is the EVP of a Coldwell Banker company with 10 or 11 offices in the D.C.-Maryland-Virginia area.   [3:40] Matthew started teaching and has been teaching ever since. He is currently the president-elect for the Real Estate Business Institute, a good partner for CRD, providing lots of education to agents.   [4:20] There has been attrition in the industry. A lot of agents are not seeing a lot of production right now. When you plan for next year, you have to base it on reality. [5:33] We are knowledge workers more than salespeople. The buyer hires you as a buyer's agent for what you know. How do you provide clarity on your value as a buyer's agent?   [7:00] A knowledge worker will say, “I know the market, what my capabilities are, and what my consumer base is and I'm going to build a strategic plan.”   [7:37] You can be a knowledge worker to your consumers and demonstrate that value to them. You can use your knowledge and say, “I'm the CEO of me.”   [9:21] What are we changing for 2024? Agents need to be much more precise with their goals to be able to look back and see what they've accomplished and why this is a good career for them.   [11:12] Matthew goes over tips and tools on how to interject your goals. Substantial industry changes are coming but most of our chaos is controllable.   [13:00] You're controlling whatever chaos you can. Putting systems in place is so important. “You do not rise to the level of your goals, you fall to the level of your systems.” — James Clear   [15:48] With industry changes, Matthew says training will be a core part of any successful agent's business.   [18:33]. Change is good. A bad change can be corrected to something better. Have a healthy mindset on addressing change. Lean into change and what it means.   [23:06] It's time to add to your listing kit and improve the buyer consultation kit on your website. Market your value proposition for buyers. Matthew discusses what to do in the next 30 to 90 days.   [25:45] Agents need a better consumer persona. Who do you want to work with? Just saying you want to work with sellers or with buyers is not focused enough to reach the core consumer that you want.   [30:18] Matthew cites Atomic Habits, by James Clear as the most transformative book. He recommends other books.    [32:50] Monica urges you to check the resources mentioned in this episode and Matthew Rathbun's website linked in the notes. What education do you need to add to your life and business? The Center for REALTOR® development highly recommends ABR®, The Accredited Buyer's Representative designation.   Tweetables:   “This is very much an industry where you get to eat what you kill. You hunt it. You kill it. Now you get to enjoy it, so to speak.” — Matthew Rathbun   “Change is good. I've always said change is good. Even if it's bad change, it's generally going to be corrected and lead to something that's better.” — Matthew Rathbun   “Every successful CEO is a reader. That's one of the common traits of all successful CEOs.” — Matthew Rathbun   Guest Links:Matthew Rathbun on Facebook Canva Templates at Etsy.com NARRPR.com REALTOR® Property Resource   Building a StoryBrand: Clarify Your Message So Customers Will Listen, by Donald Miller Atomic Habits: An Easy & Proven Way to Build Good Habits & Break Bad Ones, by James Clear Building a Second Brain: A Proven Method to Organize Your Digital Life and Unlock Your Creative Potential, by Tiago Forte Getting Things Done: The Art of Stress-Free Productivity, by David Allen   Canva.com Alignment.io Trello.com MyStorybrand.com Freeform – app for iPads and iPhones only MindMup.com Coffitivity.com Matthewrathbun.com/resources/   NAR Resource LinksNAR.realtor/technologyABR® SRS   Additional Links: Microcourses found at Learning.REALTOR. Use the coupon code PODCAST to obtain 15% off the price of any microcourse!   CRD@NAR.REALTOR Crdpodcast.REALTOR Learning.REALTOR — for NAR Online Education Training4RE.com — List of Classroom Courses from NAR and its affiliates CRD.REALTOR — List of all courses offered REBI   Host Information: Monica Neubauer Speaker/Podcaster/REALTOR® Monica@MonicaNeubauer.com MonicaNeubauer.com FranklinTNBlog.com   Monica's Facebook Page: Facebook.com/Monica.Neubauer Instagram: Instagram.com/MonicaNeubauerSpeaks   Guest Bio Matthew Rathbun I'm unapologetically me. I love learning and sharing what I've learned with anyone willing to listen. It's what I've done all of my life. I'm a restless and demanding learner myself, so I focus on people in the audience who want advanced information, a little humor, and actionable information when they leave. If a learner attends one of my sessions, I feel honored to have them there and feel that I have a duty to ensure that the time they have given me will be valuable to them. I believe that every moment with learners should count.   I still work with clients and actually practice the skills and information that I deliver in each class. I'm also a licensed broker in Virginia, DC, and Maryland and a licensed instructor in many states in the U.S. I am the Executive Vice President of a large multi-office firm in Virginia and oversee operations, risk management, and agent development among other things. Before becoming a broker, I was a high-performing agent and received a number of awards and accolades throughout the year including the Virginia Association Instructor of the Year, and was recognized by RISMedia Newsmaker Thought Leader in 2020.   My course offerings are pretty extensive and I'm always happy to create unique content if it's within my knowledge base. I'm a certified CRS instructor and have contributed to or written various national certification and designation courses for RRC, REBAC, and REBI (all three NAR education institutes). My emphasis is on leadership development, technology, risk management, and advanced practice of real estate. I have a wide range of experience with risk reduction, including serving on the local, state, and national professional standards workgroups, MLS compliance committees, and various other industry opportunities that have given me broad exposure to what should be the best practices in the industry. I am an alumnus of the VAR Leadership Academy. As an author, I have contributed to many real estate industry magazines and online industry news venues.   A few accolades: ■      REBI National Distinguished Instructor of the Year 2021 ■      CRS National Instructor of the Year 2020 ■      Virginia Association of REALTORS® — Instructor of the Year 2007 ■      RISMedia Newsmaker — 2020 Influencer ■      Virginia REALTORS® Graduate — Leadership Academy — 2007 ■      Fredericksburg Assoc. of REALTORS® — Realtor of the Year 2020 ■      Fredericksburg Assoc. of REALTORS® — President's Award 2010 ■      Fredericksburg Assoc. of REALTORS® — Code of Ethics Award 2011 ■      Fredericksburg Assoc. of REALTORS® — Rookie of the Year 2003 ■      Fredericksburg Assoc. of REALTORS® — Honor “Role” ■      Fredericksburg Assoc. of REALTORS® — Production Awards ■      Coldwell Banker Recruiter Award — Virginia

Our hosts take a nostalgic trip down memory lane, sharing how they began their journeys as residential real estate agents. From the initial spark that ignited their passions to the challenges they face decades later, they provide their insights and lessons as we welcome in the new year!

With all the challenges facing the real estate industry, our hosts discuss how to communicate their value to potential clients in today's market.

EPA Finalizes New Methane Rule That Will Cut Oil and Gas Pollution in Texas  Washington, DC – Today, the Environmental Protection Agency (EPA) finalized critical Clean Air Act protections against methane and other harmful pollution from the oil and gas industry. These safeguards—which include first-ever standards for existing equipment while also strengthening standards for new equipment—are the culmination of years of advocacy by Sierra Club and its allies.  Methane is a potent greenhouse gas that has more than 80 times the climate-warming power of carbon dioxide over a 20-year period, driving approximately one-third of the planet's warming to date. Each year, the U.S. oil and gas sector emits 16 million metric tons of methane as well as other damaging pollutants that cause smog and soot and air toxins like benzene and formaldehyde, which cause cancer. No state produces more oil and gas than Texas, which released more than 564 billion cubic feet of methane in 2019 alone. A recent satellite analysis of the Permian Basin found that Texas emitted twice as much methane as the gas industry in New Mexico, which has state-level pollution regulations. Unfortunately, neither the Texas Railroad Commission, which regulates oil and gas production, nor the Texas Commission on Environmental Quality have enacted rules or standards to lower these emissions. Thus, the federal rule could have more impact on Texas than any other state, and Texas organizations are celebrating with cautious optimism.   “We know that Texas state agencies have ignored the problem of methane from the oil and gas industry for decades, and we expect Gov. Abbott and Attorney General Paxton will spend taxpayer money to challenge this rule that would only be beneficial for the state,” said Sierra Club Lone Star Chapter's Conservation Director Cyrus Reed. “The finalization of the EPA's methane rule can make a real difference for frontline communities in Texas facing pollution, and for our climate, and we appreciate the efforts of the Biden Administration to finally require the oil and gas industry to deal with this massive air pollution. We will legally fight any attempt to roll back this important rule and insist that the state of Texas implement it as soon as possible.” “Texas' oil and gas oversight agency, the Railroad Commission of Texas, has no clear process for rejecting venting and flaring requests,” said Commission Shift Executive Director Virginia Palacios. “It's clear that preventing waste and protecting public health are far from being held as priorities by the RRC, whose commissioners receive more than two-thirds of their campaign contributions from the same companies they grant flaring permits to. That's why we need strong federal rules to implement common-sense boundaries that will prevent air pollution and create jobs in Texas.”  "As we celebrate this milestone, we remain vigilant against potential challenges and will continue to advocate for even stronger measures to safeguard our climate, health, and environmental justice,” said Sheila Serna, climate science and policy director for the Rio Grande International Study Center. “Together, we must ensure the proper implementation and enforcement of these standards in Texas for the well-being of our communities and the preservation of our planet." According to EPA's analysis, the final standards are projected to avoid 58 million tons of methane emissions nationwide by 2038, as well as 16 million tons of volatile organic compounds and 590,000 tons of air toxins. These reductions will come from requirements for: Strengthened leak detection.Repair of all wells regardless of size or operation status and up until they are permanently plugged in.Installation of non-polluting pneumatic equipment.A phased-in prohibition on routine flaring of gas at new wells.Program to leverage third-party monitoring data to identify and stop large emission events.During a robust comment period at the start of this year, a broad coalition of supporters of the methane rule submitted over 400,000 comments – more than 16,000 of which came from Sierra Club members and volunteers – urging EPA to finalize and implement the strongest possible protections for health and welfare. Now, Sierra Club and coalition partners will work to defend the rule against attacks from fossil fuel interests and their political allies, as well as to ensure that the final standards are properly implemented and enforced to protect communities from the impacts of oil and gas pollution.See omnystudio.com/listener for privacy information.

As the year comes to a close, our hosts offer up their best predictions for the future of the real estate market in 2024. Find out where the market could be heading and how you can best prepare.

What does VA financing look like these days? Our expert hosts dive into the world of VA loans, exploring the unique benefits and opportunities available for veterans in the housing market.

Don't fall victim to the eerie threats of cyber security in real estate! Join our hosts as they share hair-raising tales of hackers in the housing market. They'll reveal their personal experiences and provide essential tips for protecting your clients from the scariest cyber threats. Happy Halloween!

My special guest is Steven English Steven English is an experienced professional who has navigated the world of personal growth and self-discovery. With a background in corporate life, Steven underwent a period of introspection and evaluation, questioning his purpose and seeking a more fulfilling path. Through sobriety and self-reflection, he gained clarity on his passions and embarked on a journey to explore his true calling. With a meticulous approach, Steven invested in executive coaching training and developed a skill set to support his transition into the coaching and consulting industry. Leveraging platforms like LinkedIn, he connected with clients and shared his expertise, while also teaching effective presentation and meeting skills. Steven's story serves as an inspiration for those seeking to find their own path and align their work with their true passions. I am doing what I set out to do and having a positive impact on the lives of others. - Steven English In this episode, you will be able to: Unlock your true potential for personal growth and self-discovery to live a more fulfilling life. Overcome the challenges of comparison and self-doubt to boost your confidence and embrace your unique journey. Gain valuable insights and guidance from mentors and coaches to accelerate your personal and professional growth. Successfully navigate a career change and discover new opportunities that align with your passions and goals. Find your purpose and experience a greater sense of fulfillment by aligning your life with what truly matters to you. Steven's BIO: Throughout his 22 years in engineering, Steven served as a trainer to Fortune 500 organizations as well as influencing and managing company-wide change management activities. Steven is an ICF Professional Certified Coach, a TEDx speaker, a trained DiSC and Five Behaviors of a Cohesive Team Facilitator along with Founder of multiple Toastmasters public speaking clubs. Steven empowers engineering executives and their teams with potent leadership skills, catalyzing innovation, boosting engagement, and curbing turnover. Steven has served over 150 one on one coaching clients and corporate clients such as BlackLocus (Home Depot Innovation Lab), Neighborly, RRC, Texas A&M Engineering, San Antonio River Authority, and Qualcomm. The key moments in this episode are:00:00:00 - The Power of Purpose 00:03:08 - Introduction to the Podcast 00:04:17 - Steven's Midlife Transition 00:08:06 - Preparing for Change 00:17:27 - The Comparison Trap 00:18:19 - Embracing Differences 00:19:50 - Recognizing Progress 00:22:08 - Developing a Personal Style 00:25:04 - Letting Go of the "Right Way" 00:32:41 - Introduction and LinkedIn as Home 00:33:14 - Contact Information 00:33:27 - Website Troubles 00:33:43 - Unique Names 00:34:02 - Closing Remarks Connect with Steve: http://linkedin.com/in/steveenglish2 https://www.facebook.com/steveoandthegiantcountryhorns?mibextid=LQQJ4d Connect with me: https://www.twitter.com/thedougthompson https://www.linkedin.com/in/thedougthompson/ https://www.youtube.com/@thedougthompson https://www.youtube.com/@thedougthompson https://thedougthompson.com https://www.facebook.com/thedougthompson --- Support this podcast: https://podcasters.spotify.com/pod/show/the-doug-thompson/support

Fall is officially here and as the weather chills, so is the real estate market. But don't let low inventory frighten you! Discover how you can maintain stress, stay motivated and sustain your business during this spooky time of year.

What are the most asked client questions you're receiving in today's market? In honor of CRS Week 2023, our four hosts come together to answer member submitted questions and offer their expertise on providing gold-standard service.

In the world of real estate, safety can often take a back seat to the excitement of a property transaction but that doesn't mean there aren't risks. From open houses to meeting clients for the first time, our hosts share their stories and discuss best practices for staying protected in the field in honor of REALTOR® Safety Month.

Did you know that there is another way to borrow money to purchase a home that is not a mortgage? Larry is thinking about using a securities-based line of credit against his after-tax investment account to borrow to buy a house. Discover my opinion on this optimization question on this episode of Retirement Answer Man. Listen in to also hear my August reads and learn about the importance of protein to keep strong as you age. Press play now. OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN BOOKS I READ IN AUGUST [2:58] The Wager [6:02] American Prometheus [7:12] Outlive [9:09] The Courage to Be Disliked [10:06] The Big Short LISTENER QUESTIONS [11:14] Should Larry use an after-tax investment account to borrow to buy a house? [21:33] Jennifer wants to hear more about pretirement [26:25] How to get the Roth clock ticking when you don't qualify for a Roth [28:18] On discussing faith in the RRC [29:20] The costs of alcohol [30:12] Richard's thank you on 500 episodes [31:34] Do the same (golden) rules apply to Roth 401Ks as Roth IRAs BRING IT ON WITH DR. BOBBY DUBOIS [35:30] Building energy using protein powder [41:00] How much protein people really need [44:02] Negatives of too much protein [48:12] Do people get enough protein? [50:06] More on protein supplements [57:55] How to ensure you are getting enough protein TODAY'S SMART SPRINT SEGMENT [59:01] Keep a captain's log Resources Mentioned In This Episode BOOK - American Prometheus by Kai Bird BOOK - Outlive by Peter Attia BOOK - The Wager by David Grann BOOK - The Courage to be Disliked by Ichiro Kishimi BOOK - The Big Short by Michael Lewis Episode 502 - Should I Realign My 401K Now That I'm Retired? (with Kevin Lyles) Episode 500 - 500 Episodes and Still Rocking A few episodes in which we discuss retirement - 183, 214, 244, 324, 430  Rock Retirement Club Roger's YouTube Channel - Roger That BOOK - Rock Retirement  by Roger Whitney Roger's Retirement Learning Center

Welcome to The Nonlinear Library, where we use Text-to-Speech software to convert the best writing from the Rationalist and EA communities into audio. This is: The weight of suffering (Andreas Mogensen), published by Global Priorities Institute on August 17, 2023 on The Effective Altruism Forum. This paper was originally published as a working paper in May 2022 and is forthcoming in The Journal of Philosophy. Abstract How should we weigh suffering against happiness? This paper highlights the existence of an argument from intuitively plausible axiological principles to the striking conclusion that in comparing different populations, there exists some depth of suffering that cannot be compensated for by any measure of well-being. In addition to a number of structural principles, the argument relies on two key premises. The first is the contrary of the so-called Reverse Repugnant Conclusion. The second is a principle according to which the addition of any population of lives with positive welfare levels makes the outcome worse if accompanied by sufficiently many lives that are not worth living. I consider whether we should accept the conclusion of the argument and what we may end up committed to if we do not, illustrating the implications of the conclusions for the question of whether suffering in aggregate outweighs happiness among human and non-human animals, now and in future. Introduction There is both great happiness and great suffering in this world. Which has the upper hand? Does the good experienced by human and non-human animals in aggregate counterbalance all the harms they suffer, so that the world is morally good on balance? Or is the moral weight of suffering greater? To answer this question, we need to know how to weigh happiness against suffering from the moral point of view. In this paper, I present an argument from intuitively plausible axiological principles to the conclusion that in comparing different populations, there exists some depth of lifetime suffering that cannot be counterbalanced by any amount of well-being experienced by others. Following Ord (2013), I call this view lexical threshold negative utilitarianism (LTNU). I don't claim that we should accept LTNU. My aim is to explore different ways of responding to the argument. As we'll see, the positions at which we may arrive in rejecting its premises can be nearly as interesting and as striking as the conclusion. In section 2, I define LTNU more rigorously and set out the argument. It relies on a number of structural principles governing the betterness relation on populations, together with two key premises. The first is the contrary of what Carlson (1998) and Mulgan (2002) call the Reverse Repugnant Conclusion (RRC). The second says, roughly, that the addition of lives with positive welfare levels makes the outcome worse if accompanied by sufficiently many lives that are not worth living. In section 3, I consider whether we should be willing to accept the argument's conclusion, especially given that LTNU has been thought to entail the desirability of human extinction or the extinction of all sentient life (Crisp 2021). In section 4, I discuss our options forrejecting the argument's structural principles. I argue that our options for avoiding the disturbing implications of LTNU discussed in section 3 are limited if we are restricted to rejecting one or more of these principles. In section 5, I consider the possibility of rejecting the first of the key non-structural premises. I focus on the possibility of rejecting the contrary of RRC without accepting RRC. This, I claim, is also not promising, considered as a way of avoiding the disturbing implications of LTNU discussed in section 3. I will have nothing original to say about RRC per se, except that the overarching argument of this paper may be taken as a reason to accept it. In section 6, I consider the possibility of rejecting the last remaining premise. Specifically, I consider the possibility t...

  Friday night service @ The RRC in Gallatin, Tennessee.   “Standing firm on God's Word”.   Website: www.PastorTodd.org To give: www.ToddCoconato.com/give New book: www.PastorToddBook.com RRCWebsite: www.RRCNashville.com  

August 2023: Time for a Strategic shift.   Thank you for standing with TCM in this very critical hour for our nation and the Body of Christ. We are in a season of strategic mobilization. The battle is intense…yet we feel the favor and anointing of the Holy Spirit in a mighty way!  God has been speaking to my heart in recent weeks very clearly. I believe The Holy Spirit has prompted us to be more focused than ever before in spending our time and energy on doing exactly what God has given us in the overall vision of this ministry. In other words,…we are busier than ever! This strategic shift means only aligning with others of like mind (coming out from among the others), teaching and equipping the Saints through our 5 weekly TV/radio broadcasts, having strategic meetings to influence culture, helping those in need, and always keeping our evangelistic outreach at the very top of our priority list. This also means disconnecting from some other previous commitments, travel, and conferences to do so.  We know that the only way to win in this major battle we are in is if we truly change the hearts and minds of the folks by influencing as many people as possible and getting them saved, set free, healed, and delivered!  As a result, we will be streamlining our efforts and focusing our resources on what is most effective and needed.   There are three main areas of focus.  1. TV/Radio/Podcasts: Our media ministry has reached 42M people so far in 2023 on all channels combined. We have seen over 3200 verified souls come to know Jesus during this time. This has already exceeded last year's numbers. We also help counsel and disciple many from around the nation and world each day.  2. Remnant Revival Center: The Remnant Revival Center (RRC) in Nashville is in full swing and is our prototype worship facility where we hold weekly meetings and gatherings. I can't even begin to share all the testimony of what has already happened there. It is a refuge and house of worship where many are getting touched each week…and its only just begun! Please come and visit sometime soon on a Friday night to see for yourself!  3. Evangelistic Outreach: We believe now more than ever we must impact the community and influence those in government and other positions of power. Utilizing the trifecta of Religious Liberty Coalition, Remnant.News, the media ministry, the RRC, our online channels, and holding in-person meetings with officials, we can effectively do this in a way that initiates true change. We are striving more than ever to win souls daily for the Kingdom and stand up for Biblical morals and values in our culture!  We are a front-line ministry in a David vs. Goliath battle. We have significant warfare, pressure, and challenges from many angles. People have asked for pastors to take a stand…and we have answered that call!  Thank you to our amazing partners. We could not be doing all of these things without your help. We treasure you and your obedience.  Also, if you are not currently a ministry partner, please consider becoming one with this ministry. There are only a handful of ministries in this country that are taking this type of bold stand. This is good ground and we are a ministry of action. Everything you donate goes directly to these efforts. We truly need your help, support, and prayers more than ever!  May God's favor and blessings be upon you. Together, we make a huge difference! We must occupy until He comes! We are on the winning team! This is the time to stand more than ever before! To partner, please go to www.ToddCoconato.com/give Our website: www.PastorTodd.org RRC website: www.RRCNashville.org My new book: www.PastorToddBook.com  Sincerely,  Pastor Todd Coconato

In this episode of Word on the Street: An OML & RRC Podcast, SIEs Annissa (She/They), Bella (She/Her), Grace (She/Her), Kyara (She/They), Nicole (She/Her), Shawn (He/Him), & Shray (He/Him) discuss what they have experienced, learned, and dealt with in their time as student inclusion educators at the OML and RRC. This episode is the final episode that we will all be a part of, and we all collectively thank anyone and everyone who has listened to episodes, stopped by the office, liked our posts on social media, or attended our events. We loved the work that we did and the people we came to know because of these roles, so from the bottom of our hearts we love and appreciate you, and wish the best of luck to the SIEs who take over after us. BE A PART OF THE PODCAST If you would like to write in to, join, comment on, or suggest episodes to the Word on the Street: an OML & RRC Podcast, please fill out the google form listed below. https://docs.google.com/forms/d/1s1kr2rKW1hsgTNNr81K-RreySUu-YxEV7cUD6MjMw5g If you would like to submit a story or join an episode of the Growing Up Mixed Series, please fill out the google form below. https://docs.google.com/forms/d/e/1FAIpQLSfemAp6aZ1XsVJTuTghAI8t7cUk3VtmfTk7yRXsl4-6eezYQA/viewform?usp=sf_link FOLLOW US FOR MORE! INSTAGRAM @rrc_scu @scuoml FACEBOOK @SCURainbowResourceCenter @SCUOfficeForMulticulturalLearning SPOTIFY Word On The Street: An OML & RRC Podcast SCU OML YOUTUBE SCU Office for Multicultural Learning

Lisa Higgins is a teacher of cycle awareness and womb wisdom. She is also the founder of the Red Rebel Collective. After receiving her training at the Red School in 2020, Higgins as owner of the RRC to provide 1 on 1 classes and group sessions on menstrual cycle awareness and knowledge. Lisa and Carrie discuss Lisa's journey with PMDD or premenstrual dysmorphic disorder, menstrual cycle awareness, her educational and spiritual journey with her cycle, the importance of having support and community, and how our menstrual cycle history can shape the intricacies of our cycle. You can keep up with Lisa Higgins on the Red Rebel Collective Website at https://www.theredrebelcollective.com/ Follow Lisa at: http://www.facebook.com/groups/yourperiodyourpower http://www.instagram.com/theredrebelcollective http://www.linkedin.com/in/lisarebel Keep up with podcast on wherever you stream podcasts and check us out on our social media pages. Byeeeeeeeeeeeeeee. Facebook:@28ish LinkedIn: @28ish Instagram: @28_ish


Today's episode is a MUST listen! I am joined by Tara Gratto who has been working with children and families for 20+ years as an educator, former preschool owner, picture book author, and social-emotional expert. She is also the parent of two middle school children. In her role at RRC, she helps parents and caring adults learn the tools and skills they need for the hard and messy parts of parenting, and everything in-between.  Children don't come with manuals, parenting isn't a cookie cutter, and trying to navigate information in the digital age is nearly impossible. Her proven frameworks and systems will provide you with clear paths to support you and your unique family's needs. She shares different steps on how to raise resilient children and touches on why not one parenting style is the right parenting style.  To find out more about Tara and to get in touch, check out her links:  Website Get Her Book Facebook Instagram 

This month we're heading back to basics. All month long we'll be building your foundational understanding of how to create a rocking retirement. If you're new to the show, this is a fantastic starting point. If you are a long-time listener you'll appreciate this review. In this episode, you'll learn how to solve the essential problems of retirement planning: how to live a life without regret and how to balance squeezing as much out of life as possible today while ensuring that you have enough financial stability so that you won't be a burden to others in your later years.  Listen in to learn how to build a retirement that you can be excited about. OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN BOOKS I READ LAST MONTH [1:30] My monthly reading list PRACTICAL PLANNING SEGMENT [8:22] My experience in retirement planning [9:38] The retirement challenges you're facing [15:35] Problems with traditional retirement planning [19:18] 3 things you need to have hope [21:10] Why I use an agile project management approach LISTENER QUESTIONS [27:33]Could joining the RRC help Matt help his mother-in-law? [30:05] On sharing the results of the survey [31:40] A book recommendation [33:33] How to transition to the decumulation stage BRING IT ON WITH DR. BOBBY DUBOIS [40:33] How exposure to heat and cold can benefit you [42:02] The history of using heat and cold to relax and heal [44:20] Defining heat and cold exposure [47:08] The evidence that supports exposure [53:09] The downsides [55:13] The benefits TODAY'S SMART SPRINT SEGMENT [1:03:50] What is your planning process? Resources Mentioned In This Episode LiveWithRoger.com - Join me on May 11 or May 13, 2023, to learn the 4 phases of great retirement planning and to hear more about the Rock Retirement Club! BOOK - Unreasonable Hospitality by Will Guidara BOOK - The Creative Act - Rick Rubin BOOK - The Tiger by John Vaillant BOOK - What Are People For? By Wendell Berry BOOK - Atomic Habits by James Clear BOOK - Tiny Habits by BJ Fogg BOOK - Why Zebras Don't Get Ulcers by Robert Sapolsky Episode 481 - I'm in My Fifties and Got Laid Off. What Should I Do? Morning Star's The Long View Podcast - Retirement Planning Is Not Financial Planning Rock Retirement Club Roger's YouTube Channel - Roger That BOOK - Rock Retirement  by Roger Whitney Roger's Retirement Learning Center

Is it time to look at oil, natural gas, copper, steel and…chicken wings in 2023? (3:00) - Breaking Down Oil's Current Performance: What Should Investors Expect Going Forward? (11:50) - The Smart Metal: What Is Copper Telling Us About The Economy? (16:35) - Is Steel A Good Long Term Investment? (20:40) - What Should Investors Know About Chicken: The Wing Stop Story (28:40) - What Commodity Trends Should You Be Keeping On Your Radar? (32:15) - Episode Roundup: PXD, RRC, ROCC, APA, FANG, LNG, FCX, SCCO, CLF, NUE, WING, GDX, GDXJ Podcast@Zacks.com

Retirement can be tricky. There are so many unknowns, so preparing yourself mentally can be a challenge.  Mental toughness is the ability to remain positive and proactive in the most adverse situations. Our Retirement Plan Live volunteer, Rosie, is having to rely on mental toughness to stay on target through an extra challenging early retirement. Join Rosie and me today as we discuss the impact that the bear market had on her finances at the start of her retirement.  Rosie is trying to get her retirement back on track Rosie and her husband Dwayne didn't retire in the best circumstances. Inflation and market fluctuations haven't been on their side. This sequence of returns at the beginning of their retirement is not faring well for their portfolio. Now they are trying to assess whether they are on a feasible path or whether they'll need to make some adjustments.  Simply by walking through this process they are already being proactive. They are assessing the damage and seeing how they can shape a plan for the future to get back on track.  It's challenging to enjoy the go-go years without a safety net While Rosie is more risk-averse, her husband Dwayne enjoys researching and investing in individual stocks. He uses about 10% of their total savings to play around in the market investing in his favorite publicly traded companies.  Rosie estimates that about 75% of their total portfolio is in stocks and this makes her feel a bit anxious especially since their portfolio is down about 20% from last year.  She would like to be enjoying her go-go years, however, without a healthy cash reserve in place, or a long-term care plan, she doesn't have the security in place to let loose and rock retirement. Without a cash bucket set up, their $8,500 per month is coming from a systematic selling of their investments, but she's not sure where they should go from here.  Don't miss the culmination of the past four episodes If your retirement isn't going to plan, it is important to acknowledge where you are now so that you can mitigate the damages and reset your course. You can't simply ignore the situation and wait for someone to tell you that everything is going to be okay. You'll need to understand the nuances of your financial situation to determine the best way forward.  Join us on February 2 at 7 pm CST for the grand finale of this year's Retirement Plan Live. I'll walk Rosie through her retirement plan and we'll determine whether or not it is feasible. Then we'll look for risks and opportunities. As a participant, you'll have the opportunity to ask questions and see how the process plays out.  After the live meetup, consider joining the Rock Retirement Club. The Club was created to give new retirees a solid framework and trusted tools to use to build a feasible, resilient retirement plan that will give members the confidence to rock retirement. In addition, RRC members have created an amazing, inviting community filled with people on the same journey. Learn more by joining the live meetup.  OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN RETIREMENT PLAN LIVE [4:47] Rosie's questions [7:12] Understanding Rosie's annuity [16:52] Understanding the software we use [18:32] Understanding the sequence of returns risk [27:07] Rosie's experience with advisors LISTENER QUESTIONS [36:36] Do you calculate using tax-deferred dollars to create a paycheck in retirement? [44:32] Using a draw-down strategy for a 401K [47:57] How to get a better interest rate from cash TODAY'S SMART SPRINT SEGMENT [50:40] Reassess your trajectory to achieving your goals Resources Mentioned In This Episode Join the live meetup on February 2 at LiveWithRoger.com Money Guide Pro Elite retirement tool New Retirement Calculator Rock Retirement Club Roger's YouTube Channel - Roger That BOOK - Rock Retirement  by Roger Whitney Roger's Retirement Learning Center

October is part of National Hispanic Heritage Month! Gonzalo and I are excited today to have this conversation that needs to be discussed, but not everybody knows how to talk about it. On this podcast, we talk about a lot of things real-estate-centric and I‘m so excited about what has come out in the last few years of having conversations about different people groups in America. Today we're going to talk with Gonzalo about the group that we refer to as Latinx. There are different terms and we'll dig into what they mean with Gonzalo.   [1:04] Monica presents the topic. [6:04] Gonzalo explains neither Hispanic nor Latino is a race. It is a culture and ethnicity, not a race. [7:02] Hispanic is a term used by the government. Hispanic is somebody who descends from a country or culture where Spanish is the main language. [8:53] What matters is how the person identifies, as Latinx, or Hispanic. People often identify as Latinx. People talk about Latin culture, not Hispanic culture. [10:31] It is important never to label somebody else; let them label themselves. [11:05] Latinx is new. The intention of Latinx is to make it non-gender-specific. [16:23] National origin can be a tricky topic for Hispanics. It is a point of pride. Never assume where somebody is from. [20:12] Also, national origin is a protected class, so be very careful asking people where they are from. [22:11] Highlight things that you have in common instead of things you don't have in common. Always consider how the receiver of the question would feel about the question. “Tell me more” is a neutral question. [26:21] Whether a person is first-generation or has been here for generations makes a difference to them. It's important not to make assumptions about people based on their appearance. [28:28] A mistake real estate agents make is asking the client if they would like an agent who speaks Spanish. That is the customer's choice to request, not the agent's choice. [32:00] An agent who is having communication issues with a customer should look for a remedy. [33:15] The most important part is understanding the customer's needs. Language isn't the top priority. The decision-making should be similar to any other customer call. Gonzalo explains a non-discriminatory approach. [35:16] There have been conversations going on about race in the United States for several years. Race is an unspoken important element in our culture and our lives. [41:17] In most Latin American countries, home ownership is not as accessible as it is here in the States. [42:44] Many people come to the States and don't realize the opportunities they have for homeownership. Education about opportunities is important. In the U.S., you have to borrow money first before you qualify for a mortgage, which will take education in the Latinx communities. [44:12] Gonzalo talks of high-context and low-context cultures. In the U.S., we tend to be very transactional, especially around real estate transactions. In Latin culture, people like to be friends and want to feel connected. [45:35] Communication is important. In conversation, they don't go into business right away. Friendly small talk comes first. A Latinx customer may feel mistreated by a U.S. agent's directness. [48:22]  We are all humans and we all care about our customers. Be sure that you show that care. [50:48] Gonzalo has made greater connections with his customers. He feels he had become more sensitive to the customer's cultural needs.     [51:32] Throughout Gonzalo's career, he has had customers around the world. He likes going and meeting customers in other countries and it's such a good experience. [53:54] Multi-generational housing is common in Latin culture. It has to do with access to homeownership. [58:29] It is important to remember the diversity of the Latinx community. There are different cultures in each country. [1:00:50] Monica invites you to expand and start getting to know your Latinx neighbors. [1:02:01] Gonzalo recommends biographies in general for learning about people from different cultures. [1:03:34] Monica thanks Gonzalo for sharing and being such a needed voice in our industry. Monica invites you to look at additional resources to continue this important conversation.     Tweetables:   “We are in the middle of National Hispanic Heritage Month and we at NAR are thrilled to share this conversation with you.” — Monica   “What's going on at the border is such a small part of this conversation and it's dominating the conversation.” — Gonzalo   “Neither Hispanic nor Latino is a race, meaning that Hispanics or Latinos come in all shapes and colors. Many people tell me, ‘Oh, you look Latino,' when really Latinos look so different [from each other].” — Monica   “We don't say, ‘I'm a Hispanic,' we say, ‘I'm a Latino.' … We talk about the Latin culture. We don't talk about the Hispanic culture.” — Gonzalo   “Sometimes that's a challenge when you deal with people from a culture that you are not familiar with. You tend to say or ask questions that you didn't think through if it was right or not.” — Gonzalo   “Don't ask a question if you don't really care about it.” — Gonzalo   “When I go to another country and people laugh at me, I laugh with them. I try not to take myself too seriously. I'd rather throw it out there and try and have them laugh. I'm OK with that.” — Monica   “The Hispanic/Latino community is so large, that doesn't mean everybody has to get along and they're all the same.” — Gonzalo   “In most Latin American countries, home ownership is not as accessible like it is here in the States.” — Gonzalo   “In America, sometimes, it's even the opposite. It's like, ‘Oh, don't do business with your friends, then you're going to deteriorate your friendship relationship.” — Monica   “Even though I grew up in the South, I continually have to remind myself and train myself just to slow down.” — Monica   “A lot of my … U.S. customers have created greater connections with me because I have treated them with that kind of extra care that I showed to my international customers that they felt like I offered something different that other agents weren't offering.” — Gonzalo   “The future is customer care and customer service because if a computer can do it, a computer will. So be a better human.” — Monica   “The diversity … is so important. [There are] different cultures, even inside each one of our countries. … We are not all the same in any way, shape, or form. We come from so many different places. The geography … is also very diverse. Never make assumptions!” — Gonzalo   “As the world becomes more computerized, we need to keep our focus on being exceptional humans. Take one of these NAR Diversity classes to expand your understanding of people who are different from you. … We can all use a bit more understanding and compassion.” — Monica   Guest Links:   Garcia Mejia https://gonzalom.watsonrealtycorp.com/   Additional Links:   Micro courses found at Learning.REALTOR. Use the coupon code PODCAST to obtain 15% off the price of any online class!   Crdpodcast.com   Learning.REALTOR for NAR Online Education Training4RE.com — List of Classroom Courses from NAR and its affiliates   crd@nar.realtor   Host Information: Monica Neubauer Speaker/Podcaster/REALTOR® Monica@MonicaNeubauer.com MonicaNeubauer.com FranklinTNBlog.com   Monica's Facebook Page Facebook.com/Monica.Neubauer Instagram Instagram.com/MonicaNeubauerSpeaks   Additional Bio: Gonzalo Mejia is an 18-year veteran of the real estate industry. He has been an agent, broker associate, managing broker, and now team leader of the Dream Home Team in Jacksonville, FL where they are one of the top producing teams in their market. One of their specialties is global business, and they work with customers from all over the world.   Gonzalo has a background in financial controlling and used to work for multinational companies in the USA and South America.   With over 25 years of experience as a leader, instructor, and speaker, Gonzalo is a licensed real estate instructor in Florida and an approved instructor for REBAC, RRC, REBI, and Florida REALTORS®. He has been a featured speaker at several national and international events.   HBO — The Latin Explosion Monica Neubauer www.nar.realtor/nar-en-espanol NAHREP.org Fairhaven.REALTOR®

RMD tables, bond classes, international exposure, and 1099s–we've got answers to your questions. First up is which account is best to begin drawing from in retirement. Listen to these answers to listener questions and take some time to reflect with me about how too much data can inhibit our ability to make good decisions. Press play to listen. Too much data can hinder your decision-making process There comes a point where more information doesn't help you make decisions, it can actually hurt your decision-making. A new low in this bear market recently passed taking it down 22.4% for the year. Rather than dwelling on this fact by looking up news articles, try changing your perspective. Use the data to flip the narrative. Instead of focusing on the current downward trajectory focus on the 10 years of growth that we had beforehand. When you have a feasible, resilient plan in place you won't need to worry about this bear market.  Are you curious about the Rock Retirement Club? Have you heard me talk about the Rock Retirement Club in previous episodes but still aren't sure exactly what it is? The RRC is a group of just under 1000 members from all over the country all within 10 years of retirement. Our focus is on how to live your best life as you make the transition into retirement. We do that with a masterclass that helps you create an agile retirement plan. This isn't simply a class where you watch videos and take a quiz at the end. This structured masterclass walks you step by step as you build your own agile retirement plan. Once you create your plan, then, you'll learn how to make it resilient by testing it against common risk factors. Next, you'll optimize and enhance your plan. In addition to the master class and the camaraderie of the group, you'll also get the experience of our team of coaches who will coach you through the financial and non-financial aspects of retirement.  Our goal is to give you the tools to create the ideal retirement plan for you and lifelines to reach out to when you need help. If you would like to learn more about the Rock Retirement Club sign up for our live meetups on October 27 or 29 at LiveWithRoger.com. Which account should I begin drawing from first in retirement? One of the classic optimization questions is which account to draw from first. Many are often drawn to the after-tax assets first, but if you take all these away, you will only be left with tax-deferred assets. These are subject to RMDs once you turn 72, so you could be left with a situation where you have to take more out than you need. Consider taking advantage of lower tax brackets now to pay today's low tax rate.  Listen in to hear the answer to this retirement question and many others.  OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN PRACTICAL PLANNING SEGMENT [1:56] More data can cause you to distort your view [6:34] What is the Rock Retirement Club? LISTENER QUESTIONS [12:42] Which account should I begin drawing from first in retirement? [16:46] What are the actual percentages of RMDs taken each year [20:10] Comments on my recent comments on international exposure [21:59] What to consider as a 1099 contractor [26:10] What is the best bond asset class to buy? [28:44] How to take advantage of NUA? [35:49] Do you need a personal financial advisor?  TODAY'S SMART SPRINT SEGMENT [39:25] Gain some perspective Resources Mentioned In This Episode Rock Retirement Club Roger's YouTube Channel - Roger That BOOK - Rock Retirement  by Roger Whitney Roger's Retirement Learning Center

Many people choose to save money for their kids and grandkids in a 529 account, but one listener wonders if there is a better way to give. Learn the answer to this question and more on this episode of the Retirement Answer Man show.  Make sure to stick around until the end to hear the Coach's Corner segment with Kevin Lyles. Kevin and I discuss growth and accepting challenges in retirement. Find out why it is so important to continue to challenge yourself in retirement. What is the best way to save money for the grandkids? Like many people, Kathy saves money for her grandchildren in a 529 account, but she wonders if this is the best way to save for them. What if they choose not to go to college? Before analyzing the best way to save for the grandkids, consider how you should think through this issue. What are your goals in saving for the grandchildren?  What do you want to accomplish? Do you want them to graduate from college without debt? Do you want to help them get launched to give them a great start to adult life? Do you want to buy them their first car or help them put a down payment on their first house? Think about your ultimate purpose for giving. Various methods that can be used for giving If you would like to ensure that the kids graduate without debt, then, the 529 is an excellent vehicle to accomplish this goal. It's also important to note that by keeping the 529 in your name you can change the beneficiaries from one child to another.  Another way to save for the kids is by creating a separate account in your name that you earmark for a specific child in mind. Then later on if that child veers down a wrong path, you can choose not to support their bad decisions. This option also allows for you to have control and you ensure that you aren't making decisions for them too early.  The Uniform Gift to Minors Act provides a way to transfer financial assets to a minor without establishing a formal trust. A UGMA account is managed by you until the minor comes of age, at which point they assume control of the account. At this point, you relinquish all control over the funds. If part of your goal is to help your kids while they raise their kids, then paying for private school or university directly is one way that you could do this. You can even pay directly for medical expenses as well. As long as you are paying the provider directly then you can give unlimited funds.  If your goal is to gift your assets as a part of estate planning, remember that you can give up to $16,000 to anyone you want each year. Before gifting anything, understanding your motivation for the gift is essential. Find purpose with action to propel yourself forward Thinking about things is, oftentimes, an avoidance behavior. The only way we discover who we are or the things that we enjoy is by doing them.  “A sense of purpose doesn't come from thinking about it. It comes from taking action that moves you towards the future. The moment you do this you activate a force more powerful than the desire to avoid the pain of loneliness or inactivity. We call this the force of forward motion.” Phil Stutz. Continue to challenge yourself physically, socially, and intellectually. By continually expanding you prevent rigid mindsets from setting in. Without challenge, the status quo sets in and while we may feel comfortable with our lives, before long we may discover that our lives will actually shrink without growth.  How will you challenge yourself in retirement?  OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN PRACTICAL PLANNING [1:10] Find purpose by doing things LISTENER QUESTIONS [2:45] Giving to grandkids [10:44] Is there a list of the major retirement benchmarks? [15:00] Who does the RRC consist of? [17:22] Social Security claiming COACH'S CORNER WITH KEVIN LYLES [24:27] Try new things in retirement [31:55] Developing new routines can help TODAY'S SMART SPRINT SEGMENT [34:10] Do what needs to be done not what you feel like doing Resources Mentioned In This Episode Rock Retirement Club The Retirement Manifesto blog Roger's YouTube Channel - Roger That BOOK - Rock Retirement  by Roger Whitney Roger's Retirement Learning Center

Michael Balchan from Heroic and I have been discussing how to live a heroic retirement for the last several episodes. Today, we wrap up this theme and learn to integrate the subjects we have discussed in the past 4 episodes into rocking retirement. As usual, after the main theme, I'll answer your listener's questions. If you have a question that you would like answered on the show, now is a good time to ask since next month we'll focus solely on answering your questions. You can submit your question at RogerWhitney.com/AskRoger. You have the option to either type in your question or leave an audio question. We love audio questions, so leaving an audio recording is like getting a fast pass to the front of the line.  Rekindle your best self each morning If you have ever been camping you understand the importance of building a campfire. This camping essential provides heat and a way to cook, however, each night you must turn it off when you go to sleep. In the morning, you rekindle the fire to warm yourself up and start the morning off right. This is just like living your best self. Each morning you must wake up and consciously rekindle your fire. By setting your intentions, you provide a way to set yourself up for success each day. Live each moment to create your best life Since all we have is the now, each moment is an opportunity to live your best life. All you can do is show up one moment at a time to live life fully and completely. Looking back on your life you'll see a bunch of separate great and not-so-great moments strung together to create a life.  If you are prepared to show up one moment at a time and live fully and completely you'll find that those movements create an amazing life.  Rocking retirement is about living heroically while mastering your finances Here on this show, in my book, Rock Retirement, and the Rock Retirement Club, we talk about rocking retirement all the time. So it's important to understand what I mean by rocking retirement. Rocking retirement is integrating the business of retirement with the act of living a heroic life.  The business side of retirement means getting the financial side of retirement correct. With agile retirement management, you'll adjust your financial plan in a series of little changes so that you can have the confidence to weather the storms that life throws at you By living a heroic retirement, you'll create an amazing life for yourself each day by showing up and consciously choosing to become a better person. The RRC can help you live a heroic retirement The Rock Retirement Club helps people with both sides of their retirement journey. Marrying the two together is how to really rock retirement.  The Rock Retirement Club is a safe place both online and in person to take the baby steps to set you on your way to rocking retirement. In the club, you'll receive a world-class education from financial and retirement experts while walking this journey with other like-minded individuals who are traveling the same path.  Our next enrollment for the RRC is at the end of October, so be on the lookout if you have been considering joining the club.  OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN PRACTICAL PLANNING SEGMENT [4:38] It can be easy to beat yourself up for being human [9:52] How living your best self has to do with rocking retirement LISTENER QUESTIONS [12:12] Does Social Security count 401K withdrawals as income [14:58] Single retirees are often struggling alone [16:30] Should we charge for the podcast? [17:37] Does it make sense to sell higher fee funds and reinvest in lower fee funds? [24:00] On balancing the portfolio in today's market COACH'S CORNER WITH KEVIN LYLES [30:45] Finding Kevin's retirement identity TODAY'S SMART SPRINT SEGMENT [36:00] Discover a morning ritual Resources Mentioned In This Episode BOOK - Atomic Habits by James Clear Episodes on retiring single: 210, 219, 220, 221, 222 Heroic app Rock Retirement Club Roger's YouTube Channel - Roger That BOOK - Rock Retirement  by Roger Whitney Roger's Retirement Learning Center  

In this episode, Kent talks gasoline prices, the main reason they're high, and why they won't come down soon. He discusses major events that have influenced the price of oil, why some lawmakers secretly want to keep gas prices high, and policies contributing to higher gas prices and a lower quality of life. A former Texas Railroad Commissioner, Kent gives a historical perspective on world events spurred by the desire to control the flow of oil and how the RRC has striven for decades to keep prices steady.