Podcasts about so phil

Recently author/professor Karen Swallow Prior was asked what she considered the biggest problem facing the church today, and answered, "an impoverished imagination." So Phil sat down with Karen to talk through what she means by that, and her belief that a lack of imagination-forming reading results in, among other things, our propensity to believe conspiracy theories and our extreme discomfort with uncertainty. Karen also convinces Phil he really, really needs to read Mary Shelley's Frankenstein. PLUS, Kaitlyn Schiess joins Skye and Phil to talk through Beth Moore's departure from the SBC, and whether the death of evangelist Luis Palau represents the end of the era of large-scale evangelism. Oh... and if you're using the story of Jesus flipping tables to justify bad behavior on social media, you're probably misusing that story. This week on the podcast! https://religionnews.com/2021/03/09/bible-teacher-beth-moore-ends-partnership-with-lifeway-i-am-no-longer-a-southern-baptist/ https://frenchpress.thedispatch.com/p/cruelty-is-apostasy https://www.relevantmagazine.com/faith/jesus-flipping-tables-isnt-excuse-your-online-rants/

PhilTheFilipino is back with his series titled, "Netflix & Phil"! For these episodes, Phil recommends different shows that you'll find on streaming sites like Netflix, Hulu, Amazon Prime, etc. This month he talks about the 2017 Romantic-Comedy, "The Big Sick", starring Kumail Nanjiani, Zoe Kazan, Ray Romano, & Holly Hunter! Even though the movie is a few years old, it still doesn't feel like it's talked about enough. So Phil is going to let you know why it's more than worth your time!Phil also takes a few minutes to discuss the passing of stand-up comedian, Erik Myers."Kumail is a Pakistani comic, who meets an American graduate student named Emily at one of his stand-up shows. As their relationship blossoms, he soon becomes worried about what his traditional Muslim parents will think of her. When Emily suddenly comes down with an illness that leaves her in a coma, Kumail finds himself developing a bond with her deeply concerned mother and father."

    On this, the first episode of the 2021, and it's a long one. Phillip changes things up a bit. The show is 2 films brought together by one topic or theme, but instead of 2 films on one episode, they are one movie per episode., a two parter if you will. So Phil starts the show by talking about the films that he has watched at home or in the theater, and there are quite a lot because he took some time off and hadn't recorded an episode for 3 weeks. Then he is joined by his cousin Chip, who will be a more frequent co-host from now on. They dive deep into the 1984 classic The Last Starfighter. Does it still hold up? Would a kid like this movie today? Then come back on January 27th for Gamers Pt. 2: Ready Player One (2018). Send any questions or comments to mycelluloidheart@gmail.com or call 602-688-2403 and leave a message or a text.

Today we’re talking about the business of European football with one of the most experienced and respected people working in the industry today. Phil Carling started his career as Arsenal’s first ever head of marketing before moving to head up the commercial department of the FA. Since 2004, Carling has been head of football for the sports marketing agency Octagon, managing their clients relationship with clubs, leagues and governing bodies around Europe and beyond. So Phil was my first call when the story broke revealing a plot among some of Europe’s big clubs to launch a European Premier League initially at least endorsed by Fifa and underwritten by $6billion of JPMorgan’s money. This is the latest of many threatened rebel competitions to have appeared over the course of the last three decades. I want to why the story has become such a regular feature of sports business conversation, why this one appeared now, what happened to the previous incarnations and where was Phil Carling the first time he heard rumours of a European breakaway.

A recent survey looked at the ways we save money to figure out if they are "cheap" or "frugal". So Phil decided to ask our very own "Captain Coupon", Adam Litton, these questions to decide if he's "cheap" or "frugal"... #PhilShow

We get a lot of inquiries with regards to the 2396 design qualification and many people are failing the exam when they've gone to other training providers. So Phil and I wanted to discuss the qualification and go through the chief examiners reports to see what the common problems are.

Some candy companies are getting an early start on their Halloween candy, thinking that Trick-Or-Treating will be greatly reduced, if not outright canceled. So Phil asks Adam & Landon "WOULD YOU EAT THAT?" about a...unique flavor of Candy Corn! #PhilShow

In today's episode, we sit down with business mentor Phil Graham. It is strange and scary times right now, for a lot of industries, but especially service industries like the health and fitness industry. So Phil talks us through some key ideas and concepts to help orientate yourself now and set yourself up to succeed out the other side of this. We do genuinely hope this helps you in some way. The fitness industry has always been good to us and if we can in some small way help you to keep your business afloat at this time, then that is awesome. No doubt you will have questions and fears over the next while, and there are leaders in the industry like Phil that you can turn to and help you to move forward, so if you are struggling, please do use the resources available to you. All of Phil's information is linked below: Instagram: https://www.instagram.com/philgraham01/ Website: https://www.phil-graham.com/ Email List: https://www.phil-graham.com/10-commandments/ Diabetic Muscle and Fitness: https://diabeticmuscleandfitness.com/the-diabetic-muscle-and-fitness-guide-book/ ----------- Interested in coaching with Triage? Email info@TriageMethod.com and the Triage Team will be right back onto you! Or you can read more and fill in a contact form at https://triagemethod.com/online-coaching/ Interested in Group Coaching? https://triagemethod.com/group-coaching/ Interested in Triage Consulting? https://triagemethod.com/consultation/ Interested in purchasing one of our training/nutrition Ebooks? https://triagemethod.com/shop/ Want Triage Merchandise? https://shop.spreadshirt.ie/Triage-Merchandise/ Submit Your Questions https://triagemethod.com/questions/ Join the Email List https://forms.aweber.com/form/77/857616677.htm Join the Free Facebook Group https://www.facebook.com/groups/triagemilitia/ Have you followed us on social media? Youtube: https://www.youtube.com/channel/UCzYO5nzz50kOAxo6BOvJ_sQ Instagram: https://www.instagram.com/triagemethod/ Facebook: https://www.facebook.com/triagemethod/

This weeks guest is Donnie Boivin. Donnie is changing the game of business development. With over two decades of sales and business expertise under his belt, and one of the top podcasts in the world, get ready to have your fire lit. Donnie enjoys life on his small farm in Azle, TX while running his international business. He knows how to help you change your mindset and up your game. His story about being a Success Champion in his own life has inspired thousands to get out of their own way and go for it.Links: https://www.linkedin.com/in/donnieboivin/ https://www.facebook.com/groups/SuccessChampion/ https://www.instagram.com/Donnie.BoivinWelcome back to the fuel your legacy podcast. Each week we expose the faulty foundational mindsets of the past and rebuild the newer, stronger foundation essential in creating your meaningful legacy. We've got a lot of work to do. So let's get started. As much as you like this podcast, I'm certain that you're going to love the book that I just released on Amazon if you will, your legacy, the nine pillars to build a meaningful legacy. I wrote this to share with you the experiences that I had while I was identifying my identity, how I began to create my meaningful legacy and how you can create yours. You're going to find this book on kindle amazon and as always on my website, Sam Knickerbocker comWelcome back to fuel your legacy. And again, we are bringing on the best the brightest people who are succeeding at different stages in their entrepreneurial journey and making those transitions today. We have On Donnie Boivin. And I know I was gonna screw up this Yeah, you got it right now. But, he gets paid for people that people pay him so that they can get out of their way. And I think for me, in my experience, that's one of the biggest issues in any business. I mean, I was talking with some business partners this morning, actually, just a few minutes ago. He's like, man, I need to do better at updating my stuff every day. And I was like, No, you don't, you need to do find somebody to do that for you. You don't need, you do not need to do that. It's something that I struggle with, honestly, is relinquishing control because I'm a little bit of a control freak, as most entrepreneurs are, they want to be in the mess and doing it but that's not really what they're there 10% of what makes the most money and what their skills are. So I'm excited to have this conversation with you. And go ahead and introduce yourself introduce kind of where you came from, maybe a few stories and how you got into the current business and how you got this reputation of helping people get out of their way.Thank you. I appreciate you having me on I love doing these especially these types of conversations where I get a chance to tell my story a little bit. So, you know, I did four years of Marine Corps got out of that and went straight into straight commission sales and I spent 20 years in the there's a plane going over, sorry about that. America's flying by. I did 20 years straight commission sales and found a lot of success in that I became one of the top sales trainers in the world with an organization called Sandler Training and had a lot of fun, you know, working with companies teaching their salespeople how to, you know, learn how to sell. And during that sales training years, I was I picked up a partner in my firm that I worked with, and was going through the process of buying them out. And we were on about a five-year seven-figure buyout conversation. And I thought that that was kind of my destiny, right that my journey that's where I was meant to be. And being my business partner went out to dinner. And as we sat down for dinner, we're having great conversations about what the future holds and all the things. And you know, as we're talking, I'm seeing myself running this whole company, and I'm excited about, you know, taking on this adventure. And as we're having a couple of cocktails, he looks at me and he goes, Donny, I gotta tell you, I'm grateful that you're my retirement plan. And I had to pause because it took a second for me to wrap my head around what the hell you just said? Andhe realized that the words that came out of his mouth and into his defense, I still love the guy to death. You know, we still have dinner together and drinks whatnot. What he was trying to do is say how grateful he was for everything that I've done for him. I doubled his company a couple of times. And, you know, we've done some amazing things and he was trying to pay me a compliment. But what he did is he Welcome the beast inside me, because it was in that particular moment that I realized that I'd spent 40 years making everybody else rich for years living somebody else's dream. And 15 days later from that conversation, I walked away from everything. I walked away from that partnership, that company that that whole nine yards, stupid thing I did that day was that was also the same day I told my wife I was going to do this. She had no idea I was walking away from all this you know, and at this point that we had bought our dream farm that we still live on. I built a second house in a property for my mother in law we were buying all the animals we're doing some remodeling you know we're doing a little bit of everything and here I'm you know, walking away from security of fantastic paint job, great carrier benefits everything and going out on my own. So I remember that drive home going, you know, drive my house, going What the heck did you just do? I can't believe you just walked away from everything so. But after I get over that initial shock and fear, I had this thought in my head that I'm a damn good sales guy. Everybody in my hometown knows who I am. I'm going to open this business. And this thing's just going to take off and I'm going to sail off to the sunset and be a retired millionaire in less than five years. And yeah, none of that happened. So I got the business up and running. And I realized quickly that I didn't know what the heck I was doing. And I was I didn't have a business model. I was trying to be like, coach, maybe consultant, you know, I didn't know speaker thing and I just said yes, a lot to people when they want to do something. And so, at one point, I found myself doing graphic design work because I needed cash and about 60 months into the business. I had one of the toughest conversations ever had my wife and I walked up to her and I said, Dad, we're about to lose it all. I burned through my nest egg trying every course every book, every coach, every consultant, I mean, I was turning everything to figure out how to run a business. And my wife being the awesome gal, she is said very sweet loving words me and I'll clean it up the version for your show. But she told me to get off my button, go blank and sell something. And so I did. I started scrambling and fighting and started, you know, selling and figuring things out. And I gave a speech at a really big event. And I wasn't the keynote at the event. I was one of the breakout speeches. But after the speech was done, a guy walks up to me, and it says Donnie, I love love your story. I love everything. You've talked about your sales journey. The things you've been to, would you come to tell your show on my podcast? And I said, What the hell is a podcast? And he laughed and explained to me that a podcast, you know, was two people talking on a mic and you know, sharing their stories. And that was April of 2017. noticing the April 2018, excuse me, that that conversation happened. And I went on this show, it aired. After I got off the air or after it aired, one of his listeners reached out to me and said, Hey, I'd like to hire you for some sales training. And I went, wait, I can go on a podcast and find clients, hold my beer and watch this. So in the next 30 days, dude, I reached out to every podcast I could find and I was on 67 shows in 30 days.I just went bananas with it. And it was around the 50th episode that I was on that I was being interviewed, that I happened to go on a really really, really bad show. I mean, it was Horrible. And I love telling the story on stage today. Last but the guy hands me a note with 20 questions. I emailed it to me, and he starts and goes, Okay, question one, and I answer to question one. He then goes, Question two, and I answer to question two. He goes, question three and I went, crap. Any answer question three, he goes question for me being me. I asked him, okay, Tell me your story. What do you do? What do you do? And he goes, question five, no dialogue, no back and forth. It was insane. And I realized quickly, this guy can have any success whatsoever in podcasting. I'm getting into the game. So I launched my show success champions in May of 2018. In three months, it hit the top 200 in the business category five months, the highest ever hit on the charts was 59. And I got the screenshot to sit next to Tim Ferriss. You know, try this geek out over. And you know, that led me to some fun things. I got to speak in Ireland on podcasting and Do some other cool things. But ultimately podcasting saved my business because it taught me business systems and processes I was playing it was interviewing some of the biggest names in the world. So I couldn't look like a rookie when I was bringing on these guests. So I had to build all these automation and process and so in doing that, I'd realized that the reason my company was so bad is that I was running it like a job and not a business. I was doing everything. I was doing all the heavy lifting. And I hadn't shifted my mindset over to that of a business owner. But once I had that kind of epiphany in the business, things started taking off and we launched a Facebook group that right now is 100 small business owners with 90% engagement in it that are rocking and rolling. I've produced a cookbook, a second podcast that's a top 200 in selco. We've launched a magazine of the success champions brand And it's rocking and rolling. And so now, you know, I give back to small business owners and I don't tell them I'm going to make my million dollar business dream thing. I always tell everybody, I'll get you to where I am. I will sit down, I'll put you through masterminds and courses and things that we do. And I'll just get you as far as I've got. I can't get you any further and I am I haven't been there yet. And you know, I walk through people as you know, what kind of conversation should you have with a coach before you hire them? And my number one thing that I always tell people is, you know, ask them who their coaches ask them who they're working with, go with they're going to find is most coaches don't have coaches and there's a lot of scam artists out there as they go through the process, so but now I mean, we're living a fun life. I'm a little over two years into this business multiple six figures and, and having a blast, you know, still learning a lot. I've got a full team that works underneath me and we're just running and gunning and You know, seeing how quickly we can break something to learn from it, you know, so 10,000-foot brother, that's, that's the gist of everything.And I just am blown away honestly, as I'm sure you are blown away of your success as well. It's interesting, I found in my own life, not to say that the growth wasn't intentional or focused on but it's like you put in all this work and a lot of people say, Oh, well you've created this business out of two years. All of the failure before has counted as all the years are taken to build what he's built. Right and it's not a well, you were able there's day one build all that and sometimes people get lucky. And I say lucky that they have the right coach, I think takes action to have the right coach. So I don't know how much luck there is but because they have the right coach they can circumvent a lot of that pain and a lot of that the downsides that You gain that growth. But everybody is going to be a little bit different. And everybody needs to learn lessons as much as you read a lesson in the book. It's not your lesson until it's your lesson.Yes, yeah, you know it and so I love that you said that we could have heard it quite that way. But I remember talking with a mentor of mine not too long ago, and I and I looked at him I said, you know, the stuff I read in the book finally makes sense. You know, it's because as you can read it, it's all theory. You know, it's, it's all somebody else's words until you go through it. And you know, like most people, I'm the person that you said stove is hot, the stove is hot, I'm still going to touch the damn thing to see if it's hot, you know? And that was it for me. And I think kind of my craziest epiphany through all of this along that lines is, as I was going on my journey, I thought I was a hard worker. I thought I put in hours I thought I was always number One Two sales guide every company I have always kind of been that achiever type guy. But when I launched and became a business owner, I realized quickly how lazy I was over my 20-year career being an employee, because I've never worked so hard in my life. I mean, it's wild how, how mentally I've pushed and changed myself along this way to go back to you. I mean, a lot of the things I heard and read in the books now make sense because I've gone through I've gotten punched in the face by life, as I love telling people I'm still here.Yeah, yeah. And what's crazy that maybe doesn't always get focused on is this is coming from somebody who was in the Marines for four years. It's not that he doesn't know how to push his mental toughness it's not that he doesn't know how to work his butt off and get drilled and, and push his body is meant to everything to its breaking point, right? He's already done that. And then he spent 20 years it's so easy for us as humans to revert to and go have this tough stint, but then revert to our childhood rearing and how we were raised rather than continuing on that same vigor, that same intensity to build our future. And as he mentioned, I love that Penny drops like that. I saw the penny drop, right? But like, when you realize, man, I've been building somebody else's life I've been building. Ask yourself that if you're listening to this, whose retirement plan am I? Are you somebody else's retirement plan right now? And if so, is that the way you want it? If that's the way you want it? Look, I'm not. I know that not everybody's an entrepreneur and not everybody wants to be an entrepreneur because it is a lot of risks. It does take being willing to go to Hey, honey, we were out of money. We're broke. It takes being willing to have that conversation and being willing to do the work necessary to get out of that conversation. To be a successful entrepreneur. I understand that But consider whose retirement plan are you? And what are you building for you? Yeah, and I would love that youpulled those phrases. One of the favorite things I love telling people is I had 20 years in sales. And what I learned in sales, training, teaching other salespeople, so a lot of people might be I've got 10 years in sales, 20 years in sales and 30 years in sales. What I found, and I found this a lot in my own life is people didn't have 1020 years in sales, they had year one repeated 10 or 20 times. They never evolve, they never leveled up. And I think, you know, that was a lot of my journey as I went through it is I wasn't involving into a new person myself. I mean, I knew how to show so every conversation was just a different variation of the same conversation, you know, every deal that got done With a different variation of a deal that got done, I never found a second gear. And it wasn't until I started running my own business and there are no excuses. I mean, when you're in your business diverse, there's no one to blame. You know, there's, there's no backup plan. You can't say because Sally didn't do her job, you can't get here, you know, the economy sucks. You know, there's, there's get done, or shut up shop, you know, I mean, that's it. And so when it's all on you, and your back is stacked against it, and you've got to step forward. That's when you start evolving. That's when you start leveling up because you're going to find that mental game that you didn't know you had and that's your hundred percent what happened to me. I mean, you know, the life of an entrepreneur one day you're like, yeah, it's just amazing. I love it. I'm so glad I did the next day, like oh my god, I gotta get the job. You know, and trying to figure this out. It's incredible to really How much you learn about yourself on this journey? And it goes back to you know, the books make sensethat totally. And to kind of bleed into this, this next thing that I just love and want to pull out here, and have you speak about, but for me, so one of them probably, I mean, I have a lot of influential authors and people that have listened to. But one thing that sticks out that shifted my mind, I don't talk about it that often. So I'm glad that we're having this conversation because it just came back to my mind. But the idea of, even if you're an employee, quote, unquote, working for somebody else, Brian Tracy out and remember which book it's in, but he says 500 Yeah, books, but one of the things that he says in one of these books is that you need to treat yourself as a stock, right? And every day you're either adding value or taking away value from your stock. And the reason that shifts shifted the way I treat life from this point on is now I'm no longer just like coasting through life. I'm no longer willing to accept life the same year of life over and over. It's, I'm running a, I run my life. Like I run a business. I'm constantly seeking growth. I'm constantly seeing how can I invest back into me? How can I invest back into these things? What's the benefit of shifting your mindset from your perspective? What's the benefit of shifting your mindset? Because there's a lot of people listen to my podcast who are just fine being moms just fine being dad, sons daughters, and they're necessarily going to go crush it out on business. They might, but my suggestion and this is my belief that they should be applying the same core principles and values, even if that's all they're going to do is just know some life. Build an awesome life. Sospeak to that person. Yeah, no, I love that. I love it. You know, I came to this own theory conclusion that people are living life to plateau. And what I mean by that is, I think people just want to get to that spot in life where they can go, I made it. Here's the problem. That's not a thing. There's never a point in your life that you can get to where you can just go. I made it because what that's called is your comfort zone or complacency, whatever. And when you get to that spot, or you feel like you get to that spot and you stop growth, or you stop the momentum, you start moving forward. What's happening is you're going backward. So to put that into perspective, let's go running a business. If I don't get on podcasts, get on stages do reach out to have a conversation to meet new people every day. And I'm not talking about Monday through Friday employee mindset. I'm talking seven days a week. I am talking, engaging, reaching up. I'm not the 24 seven hustle guy, that's not me. I'm a dude by eight o'clock works done. I'm getting my beauty sleep at 10 right. And probably with a cocktail at my end, you know, but seven days a week. There's gonna be some Sort of activity out there reaching out because if I turn off that business development, my employees don't get paid. Right? So So it's the same thing for the mental game. If you're not every day, cashing those mental checks of investing in yourself, surrounding yourself with the right people getting in bigger conversations, thinking bigger than your family doesn't get paid. Your friends, your close loved ones don't get paid, because all they get is your version of you, versus this lit version of you that should be lighting the world on fire. And I'm not telling you to be an entrepreneur. I think most people shouldn't try this. You know, if I were completely honest, you know, but I'm telling you, if you're going to be a mom, imagine if you're investing in yourself how much more awesome of a mom you can be by investing in your kids. If you're going to be an employee for the rest of your life cool, I have nothing against that. But imagine if you invest in yourself how much better have an employee get? You know, I don't think we were put here to live a mundane life. I think we were put here to go through life lighting other people up by stepping into how awesome we are. And if we look at ourselves as that flame that lights up everybody else's flames, dude, make some bonfires and go big with it. Do you know? It's going back to how are you moving forward? And how are you expanding your knowledge? You know, there's a couple of careers I had, where I wasn't reading any new books, I wasn't going to any conferences. I wasn't getting on any stage or anything. And those lives those years. I can go back and look at my sales numbers from those years. And it's flatlined. make good money, right? But it was a flat line life and those years we didn't take any vacation. We didn't do anything. It was just mundane. I mean, I might as well dress in all gray and just show up to life because that's all I have to do so don't show people that you're sad your life man light up.Yeah, totally. I think that just gave me an awesome idea for recognition in my company. So I'm, I love that idea. Right. But so so another thing that I man, everything that he just said, is pretty much how I live my life. So this is why I get great people on the podcast, partially because I already believe a lot of this stuff. But it sounds better coming from somebody else.But that's all we learned a lot of thingssure. But the other part is its good reminders. I'm there are some things that I've written down here that I've thought about man, I need to do this, but I just haven't. I just haven't done it and so when we meet about the meet and we talk about these things, then I'm able to, to remind Oh, yeah, that's now I have mental space to take care of that I want to take care of that. Speak to this as well, because you mentioned your kind of epiphany you could get into podcasting world as you're on this podcast. So to the guy who's just not successful at it not great at it, and you crush it. Make you feel okay, I can do this. Well, my question would for you to be and maybe talks directly to the audience here. But why is it important to just identify something you're just maybe 10% better at you're not like the best podcast or yet but you know, you know that you can do better than somebody who's serving you already. If you ever feel like a man, I could do better. I could give better service than that person just gave me then you can add value somewhere. Why is that important? And why is it important to recognize those small things?Yeah, no, I love that I'm in here is the interesting thing. I love the pissed-off life. And what I mean by that is when you know one of my friend's Clients came to me one point. And she's like, you know, I'm going to be on big stages. I'm going to do these things and like, Cool, let's go for it. Let's get you on the big stage, let's do the work. And one day, she called me up, and she's almost in tears, just live it. And I'm like, What the hell is going on? And she goes, I just left a conference. And this speaker, who I know got paid $20,000 beyond the stage was one of the worst speakers I've ever seen in my life. And the only thing I could think of the entire time is that should be me. And she's like, I was in this crowd piss the entire time. And I said, Good, let's use that. So I made her take out the picture of that gal that was on stage, not her and put it on a frickin backside of a wall is right behind her monitor. And I'm like, every day that you're baiting, that's what you're going after. And she's now and she hasn't got a $20,000 speech, but she got an $11,000 speech not too long ago. So the massive speech awesome. Yeah. But the trick is Emotion charges everything action takes care of it but it usually takes the emotion to charge it to you know, we have thoughts all day long. But until that thought becomes an emotion behind it we won't typically do anything through it. That's why I like the pissed off motion because you can feel it you don't always feel when you're going into the press side of things. You always feel when you're getting down, but when you're getting pissed off now you're all there. And so what I tell people most times is what do you see in your life that somebody else is doing to your point as you said, that said that literally. You go god why is that person doing it not for me. Because if you find that thing, there's fuel there. And if you go back to the whole idea that we're a flame we're going to light up the people that you find that pissed off a fire that pissed off you and you're going to be amazed at how much light you up. So, for instance, with my podcast, I went and looked at a lot of things. shows and I went and looked at some of the most successful shows in the world. And I missed one and you'll understand what to say I missed one when I was looking at shows. And I found out what they're doing. And what I realized is most of the big shows had been in the game for a while, right? They had a ton of episodes out there, and I'm like, oh, man, they're gonna have a ton of episodes, I gotta catch up. So I launched my podcast as a daily podcast. And I was doing nine interviews every Friday. I was started eight o'clock in the morning, no lunch breaks, barely a bathroom break in would do nine interviews to keep the hopper I was so scared that I wouldn't have enough, you know, content to do a daily show. And we just started putting out content. It was around the 30th episode that I put out that somebody says, Oh, your shows just like John Lee Dumas. And I said, Who the heck is that? And I talked to john a couple of times. And I said, John, this is my story. He goes Well, you say you did your due diligence, but you did not do your due diligence if you had no idea who the heckyeah, like, what? 2500Yeah, at this point, you switched up his podcast. Yeah, he has recently now it's a pay to play type model. But, you know, but it was that thing. And part of what allowed my show to find that early on success was the massive amount of content we were putting out there. And then, you know, we put a lot of moving parts with it. But we learned how to energize the guests to get them to do what we needed them to do to share content and put everything out there. And so we found a lot of cool things to do. And, you know, I became a walking billboard. I literally would go everywhere and wear people out about my podcast, you know, tell them what's on this conversation, but I found ways to sneak in and, and the whole time all I can think was my show is not going to be worse than that, guys. I guarantee my show will never be that bad. So I just kept fighting to make sure it would not get that bad and You know, I was still being tenacious and getting on other shows and everything so it just came to once you get that pissed off, you know, fuel and you use it because it will keep pushing you forward. You can't stay there right you may can't stay there forever. But as damn sure it's like watching the space shuttle that pissed off fuel get you off the platform and halfway up right now turns off the pissed off and start giving back and that'll be the second you know, boost to get you up there. Yeah,I agree. In fact for me and my profession. That's what I like exactly why that's one big reason why I'm in the profession I am and why I'm trying to fulfill the niche that I'm trying to fulfill because there's a lot of people who talk about money and talk about and the energy like if you have a Bob Proctor or that so that's the energy side then you have Dave Ramsey, Tony Robbins. Suze Orman, you have all these people will talk about conceptual money things and then you have the other half the room that the financial advisory field is just, they're just financial advisors like that. They ask you for questions, they, they'll manage your money, but they don't understand the other realm of how the psychological brain works with money. And, and so bringing that understanding with the licenses can really create a powerful combination to actually enable people not just to get the education conceptually, but then to put those strategies that you're helping them identify into place. Yeah, absolutely. And so, I love that because it really is you identify something, it doesn't matter how big that name is, if you think hey, that person is doing it wrong, and I can do it better, more people will like what I'm doing more, I'm gonna have more success, then go chase down the biggest cat in the room, like there's no reason not to. Just go chase them, even if you got half of that guy's successor that woman's success is still gonna be way better than where you're at. doing yourthing. Yeah and what's funny about that is that's how I did my sales career and I didn't even totally recognize it going through my years is every time I went to a new company and I was only in three or four companies, but I would go up to the number one guy and say, Okay, we're number one gal in one case and said, you know, how'd you get here? What did you do? And then I just did everything they did I just did more except for one guy that I can never outsell he's still a jerk in my book but because damn good sales guy but you know when when you got that massive vision of something you want to accomplish and I'm in asked me about goal setting. I think goal setting is an absolute joke and doesn't work. But when you got that massive vision and you can move forward there's very little that can stop you as long as you keep your mindset and emotions in check. Right, Manjeet doesn't check and you can run and gun and literally like this worldwide. Fire.Yeah, absolutely. So what do you think? Like if there was like two or three things, you would say are the biggest kind of mountains that people need to remove, like to get out of their way? Like what are the two biggest things that you see over and over and over and over that are keeping people in their way that they just need to get rid of to ruin them a lot faster?Yeah, it's really easy. The first one fails better. That's it failed that and, you know, what people don't understand is you know, people talked about failures, not a thing, blah, blah, blah, you got a failed away and all that crap, you get thrown around there. Yeah, it's true. It's true. But you got to start planning to fail. And what I mean by that is you got to do things as you know, we're doing our first conference You and I were talking about for him, you know, coming up. And this conference scares the crap out of me because I've never done anything this massive, you know, three days, people coming in from all over the world, multiple speakers. I mean, it just scares the crap out of me to do this thing. But I looked at my team and I said, if we don't scale to the things that we're freak us out, then we're not going to scale the business to the level we're trying to take it. And you know, so they're all along for the ride. And I said, Okay, how do we go on this thing to break? What are we going to break? And so that can become our concept models been for the two years in my company is, what are we going to break today? How do we break it? You know, and how do we go into it knowing it's going to be it's gonna fail, you don't do anything new without failing, right? But knowing is going to fail and just be more prepared for when it does and be okay when it happens. So it's a whole mindset first of literally wrapping your head around, how can I fail better at this, and it works for whatever you're doing in your life for your mom, you know, how can I fail better at teaching my kids something? How can I feel better at trying something new for dinner? You know, if I'm you know, business guy, sales guy, you know, how can I feel better on a sales call? How can I try something new, and that's when you start to get growth because it's never about going through the fear and accomplish it. It's about who you become on the way to conquering that fear. You know, so fail but the second thing and I got to clean this up because the way I say it on stage is a lot more fun is quit giving a damn what anybody thinks about you. You know, because everybody is like walking around with a whiteboard on their chest, handing out freaking magic markers to everybody going Hey, would you please write your words on my chest here. And it's really really, really interesting how much people believe that other people are thinking about them. When in truth, the whole world selfish and nobody's thinking about the other person ever. And you know, so what people do is I won't become an entrepreneur because what will my family say? I won't, you know, go try and get on stage because somebody might laugh at me. I won't have a tough sales conversation or do reach out because they won't like I won't be a financial advisor because there's 50,000 where nobody likes them, you know, and so they're putting all these things out there and waiting for the world to tell them what they're worth. Well, the problem is, is everybody's waiting for the world to tell them what they're worth. If you just the quicker you understand that nobody is thinking about you. It's not that nobody cares about you. It's just we're all selfish and self-centered. That that the quicker you wrap your head around there, and the more you start failing on purpose and failing better, dude, it's a game-changer, because now you can do all that crap you read in the books, where they talk about failing to succeed. That's what they're talking about. And that's where the lack of books makes sense. That's what they're talking about is your faith and you're going into that failure. And it's so much easier when that worried about rejection and everything else. Because you can do anything. You can do lives. You can do podcast interviews you can get on stage is you can go talk to anybody in a room because most times when you meet somebody and they make a response, it's their responsibility. It has nothing to do with who you are. You know, so I mean those are my two biggest things I could add a third one on there has a massive vision you know have something that just gets you out of bed every damn day. And you know, I don't believe that you gotta have a Why? Because I think nobody knows why they don't know why they want to do something. They have theories of why they want to do something but but I will tell you if you have a massive vision like you know where you want to get to like that that freedom number that that place you want to get to manage so much easier to get out of bed every morning going, man I get another shot to go straight at that thing.Yeah, totally. Totally. So when there. I want to shift in because this is I know a big concern of some people I think we've talked about just barely we can talk about in a second. Just stop caring and realize you don't need to care. But one of the things that I wonder, and you kind of alluded to it and feel free to not answer this or choose to answer this as specific as you want, I guess is a better way. But one reason that people are one way that people one reason people will not get into entrepreneurship is financial backing, they just don't understand money enough. They don't understand what creates money. They don't understand. Maybe how much money would take how to finance a transition. What did you do? Because obviously, you left a career you just walked away from something. You had mentioned that you were kind of down to the ropes of like, almost failing, like, what, what did you do in between that time? And how did you understand money to be able to not have that?Yeah, it's a cool question. Um, here's the thing. You don't need money to start a business. You don't have to get financial backing anything to start the caveat If you're going to start a franchise, you better have money to just go she gotta buy the franchise. If you're going to buy a retail store or start a retail store or something like that, you're going to have to have money. But in this day and age in this awesome gig economy that we work and live in, you can start anything. I've got a friend named Bonnie. And I just love time by Bonnie owns four different retail locations right now doing custom shabby chic furniture. Bonnie started that business at her kitchen table making kids clothes. And she had just had the firstborn she was laid off from oil companies were in the oil downturn, and her kids needed more clothes and they did not have the money to buy clothes. So she started making them out of, you know, her husband's old shirts and stuff and so on. And she posted to Facebook, and people are like, Oh, I'd like some of those. So she started making clothes for other people. Well, one day she decided you know that the room she Took some money that she made that and she decided to paint the dresser in her daughter's room. And she just happened to put the picture of the dresser up on Facebook and somebody said oh I'll buy that for like $600 and she's like I bought it for 20 bucks at you know garage sale and I just painted it so look nicer in a room. But if somebody wants 600 bucks, I'll sell it go find another one. So she did. And then somebody else asked Hey, do you have any more those dressers and the next thing you know she turned the converted their entire garage into a furniture store and they were refinishing furniture and that led to they outgrew the garage to our first store that she bought a second store then she bought a third store and they're now at four stores and now they go into houses not only do they sell refurbished furniture, they go in and redo and refinish cabinets inside of houses and she's running crews doing these cabinets. She had no capital whatsoever. She had no money invested in her dancer, they were broke. You know doing it. All she did is just started doing something out of necessity and kept doing it and doing it more and doing it better. And she evolved into an awesome business owner. So So part of the trick is getting the game. Right, the quicker you get in the game, the quicker you start learning things. The second half of that is, is at some point in getting in that game, you're gonna have to switch from employee to business owner, because one of the transitions I made is I was handling all the finances in my business, or my finances sucked. So my business finances, marriage, my finances because I was running in the same way. You know, everything I did in my personal life I was trying to do in my business like that's how you manage money. Well, get out of it. Eventually, you'll get to a point where you bring somebody else in that's their specialty. That's your niche. You never give up your numbers completely. I can tell you every day exactly the amount of revenue comes in my business and what it takes to get there. Right. That's what you do as a business owner. But You've got to bring other people in that geek out on that stuff that you suck at. And let them do their thing.Yeah. Again, this is everything. If you ever read the book, I'm sure you've read it, but the E myth revisited by Michael Gerber. I mean,my 14-year-old move that was my entrepreneur hiccup, which comes from that book. Yeah,no, I mean, it's just a perfect. And that book really, I think, adequately describes the different stages of entrepreneurship and how to make transitions and how to identify what roles are who's and how to how to separate those and hire specifically for roles. I mean, it's just that that book is phenomenal. If you are wanting to go from even a self-employed person to a business owner, they're two separate people and making that distinction. So I'm curious if somebody listened to the show wanted to get a hold of you wanted to either, I don't know if you have free content, obviously, I do. I get all kinds of fun. How would they get ahold of you? Or maybe attend your event happening down in Texas? And how would that happen?To me, I'm pulling up a cheat sheet that I have bear with me two seconds. So if they will send the worddo podcasts for this one. So Phil said the word podcast in a text message 817-318-6030. I'll send them back a five-page workbook. And it's a pretty detailed workbook on how to get work-life balance, you know, and the second line under the title of that book is how do I spend my non-working hours with my family and not working on the business? That was one of the toughest things I had to learn how to do, because it's like, you know, if I don't run this business, I'm out of business. So yeah, literally send the word podcast 817-318-6030 and we'll send that over to you. Another fun way is if you guys are on Facebook at all, and you've ever thought about running business, you're in a business, you're trying to level up and figure it out, go up the Facebook search bar, type in the word success champions, click on groups and come hang out. We have 800 small business owners there. The groups get 90% engagement. We do a ton of things in there. Every Friday, at four o'clock central time, I go live with a glass of Captain Morgan and talk business with all this kind of stuff. We have a lot of fun. We had a ton of people watching the show. So So come hang out with us. It's a good time. Awesome.Yeah, I know. We'll definitely and we'll have links to the various things in the show notes here for you. So this is our last two sections here. They're going to go pretty fast. The second The last one is called legacy on rapid-fire, kind of like a game show. One word, one-sentence answers to these five questions. Are you ready? Go. Good. Perfect. What do you believe is holding you back from reaching the next level of your legacy?Bigger thinking.Awesome. And what do you think the hardest thing you've ever accomplished has beenrunning this business?And what do you think your greatest success to this point in your life isspeaking in Ireland? Speaking in Ireland, what city Do you speak in, by the way, is nine different cities. Oh, he's traveled the world did a whole tour with the podcast. That's awesome. Yeah,I spent six months in Ireland.And I loved every city but Dublin, right? Because of any big city Have you been to Dublin? Yeah, I agree that we enjoyed the countryside.Cool. So what would you say one secret habit, mindset or behavior is what contributes most to your success?Having a routine to start your day every morning.Nice and what are a few books you'd recommend to the fuel your legacy audienceyou know, probably Jensen chero. You're a bad beep beep making money. Phenomenal book. I love that. Automatic Millionaire by David Bach. Phenomenal. Read Millionaire Next Door is another one that's on the financial realms. the business book will go to E myth thinking Grow Rich, it was one of the first books that were ever introduced to. And if you're wanting to run a business a really good one is your high five business workbook.Amen. All of them I've read and they are all fantastic. There's quite a few of them. I've done book reviews on this show and over the last year, so if you want to go see my thoughts on those, go find it there but also go get the book. It's phenomenal. Okay, this is my final question, my favorite question. The whole purpose of this episode, we're going to find out how in alignment you are with your life and your business. So we're going to pretend that you're dead, you died. Okay. And you have the opportunity. Now, I know you don't have any kids. So this is going to be interesting, but we're just going to pretend you do have kids for the feeling of the question, okay. But you can come back and say You're great, great, great, great-grandchildren. So six generations from now, 200 years from now they're sitting around the table discussing your life, your legacy, what you contributed, what do you want them to be saying about you? 200 years from now.He carved the path he took others with them. And he came back to teach the same ways and things he accomplished mean that to me, the hero's journey is my story. You know, it's 100% that that, you know, it took me I tell everybody, I'm a late bloomer to get here. But now, my biggest passion is teaching other people to do what I've done. And I guarantee that generations from now that's where they say is, is he came back and taught us all how to get there.That's, I love it. And I agree that's an if you've listened to this podcast, and you know that that says mission and passion. He didn't have to say it, but I'm glad he did. And we have Well, we're excited. Thank you so much for all of that and a lot those links for guys down in the show notes here so you can get connected with Donnie. Andyeah, let me do one thing for you though just because I love doing this guy if you're listening to the show, do me an honest favor, go leave this guy review. I am telling you reviews are the lifeblood of a podcast. So if you get any value out of this whatsoever, go leave an honest review does not to be a five star if you just leave him an honest review out there and tell him because that's like literally coming up and giving him a hug, you know, and telling him you're doing an awesome job. You know, it can do it wherever you listen to the podcast if you want to do a favor for him. Go tell somebody else. Listen to the show. Go tell somebody else to tune in. Because when you do that, you're helping to introduce other people to a great message, a great thought process and it allows him to touch and impact more lives. So show him some love guys. It will mean the worldthrough that. Thankyou, Donnie. I appreciate that and we'll catch you guys next time on fuel your legacy.Thanks for joining us if what you heard today resonates with you please like, comment and share on social media tag me and if you do give me a shout out I'll give you a shout out on the next episode. Thanks to all those who've left a review. It helps spread the message of what it takes to build a legacy that lasts and we'll catch you next time on fuel your legacy.Connect more with your host Samuel Knickerbocker at:https://www.facebook.com/ssknickerbocker/?ref=profile_intro_cardhttps://www.instagram.com/ssknickerbocker/https://howmoneyworks.com/samuelknickerbockerIf this resonates with you and you would like to learn more please LIKE, COMMENT, & SHARE————————————————————————————————————Click The Link Bellow To Join My Legacy Builders Mastermindhttps://www.facebook.com/groups/254031831967014/Click here to check out my webinar as well!————————————————————————————————————Want to regain your financial confidence and begin building your legacy?In this ebook you will learn:- The 9 Pillars To Build A Legacy- Clarify you “why”- Create Daily Action Steps To Launch ForwardWant Sam’s FREE E-BOOK?Claim your access here! >>> Fuel Your Legacy: The 9 Pillars To Build A Legacy———————————————————————————————————— 

Carey Sperry:                   In this episode I speak with my good friend and business strategic Alliance firm partner Phil Graham, about how to leverage social media paid ads into 2020 and beyond. There are so many golden nuggets Phil gives us here, but a couple key takeaways I think you'll find helpful and interesting is how important it is to keep in mind the intent of the prospect of customer, and intent differs by platform. Many people have a different expectation of the experience and their intent is also different while on the Facebook platform versus when they're on the Instagram platform. Carey Sperry:                   So Phil explains how when you understand this and keep it in mind, it helps you to craft your paid ad to align with the viewers mindset, which ultimately he sees paid ads are higher than the ads are crafted with consideration of intent than when brands don't align their ads to the intent. Another key takeaway is he teaches us to approach ads with both a system and a delivery of value. Most people don't have a system for their ads, nor they do. They deliver value in their ads. They just sell right off the bat. He says, "It's like going to a party. You might be walking up to a person and saying, 'Let's get married.'" So you probably heard that analogy before, but most people out there do not keep that in mind. When they do paid ads, they just sell right off the bat, turn off. So he talks about what he means by system and also his EED framework. Educate, entertain, and differentiate this framework and how it will help make your ads convert way better than the majority of people. Carey Sperry:                   Hi everyone. Carey Sperry here. Today we have Phil Graham and we're going to talk about how to leverage social media paid ads in 2020 and beyond. A hot topic, everyone's wondering what is going to happen with paid and the algorithms and all that great stuff. So Phil Graham, he's a wonderful friend of mine who's become a friend after us working together since I launched our agency. And the reason why I really reached out to him and started to get to know him in his work is because he is very, very experienced deep in Facebook ads, Instagram ads, and YouTube ads amongst other digital competencies. And so Phil, why don't you say hello? Phil Graham:                   Hello. I am so excited to be here and thank you so much for the kind introduction, and I'm really excited to talk about this stuff because being able to run ads the right way can literally make the difference between success or failure for an entrepreneur or a business, especially moving forward. So I'm excited. Carey Sperry:                   Yes, thank you. And he's been on a several other really great podcasts. So we found this as a wonderful way to connect with our audience and share information that we're always talking about with our clients. So to kind of kick us off, what would you say is the fundamental differences between Facebook and Instagram ads? It's a question we get a lot, like which should I advertise on Facebook or Instagram and what are the fundamental differences between them? Phil Graham:                   Yeah, great question. And you definitely should ... most people should be on both but they do have differences that are pretty different. So for Facebook, the age is the big differentiators. So if you want to reach somebody that is ... and I don't like talking about age too much because there's always variables, but in general like 35 or 40 plus, you're more likely to reach them on Facebook and under 35 maybe even under 40 the numbers creeping up, you're more likely to reach them on Instagram. In this day and age, the default for somebody who's like a celebrity or somebody who's in media is going to be like Instagram or Twitter, not necessarily Facebook. So they're both great places to be. But depending on like the target, the age of your market, you want to definitely be both places but put more money, time and effort into the place where your target is spending the most time. Phil Graham:                   Just like if you want to reach 17 year olds, if you had a product for that, you wouldn't be on Facebook, you'd probably be on TikTok and some other places that are coming up. So it's audience is the biggest difference, and then also intent. On Instagram, short, punchy videos and lots of great images work well. And on Facebook, a little bit still shorter videos but not as short. You can go longer on the videos and do some different, and those are like the main differences. Carey Sperry:                   So I hear some people say, "Well, why would I advertise on Facebook when people go on there to connect with their friends and family?" Phil Graham:                   Yeah, and that's a, that's a great question. That is the perfect question because people are not on there to look at ads, are they? They're not using Facebook for that, they are using it for many other reasons and we're interrupting them while they do that. But the reason what you want to do that is because billions of people use it and it's the perfect place to actually get their awareness and get their attention. So I think of Facebook, like a social gathering, a social dinner party, something like that where there's people doing social things. And when you think of it that way, think of going to a dinner party. If you were to go to a dinner party tonight and you walked up to a stranger, you wouldn't just walk up and immediately pitch your product. If you wanted to try and sell your product tonight, you wouldn't just do that. Phil Graham:                   You would start off having a conversation and then maybe in a future conversation it would be the right time to tell them about what you do and how you can help them. But on Facebook, what most people do is they send out these ads that are literally just pitching their product, Hey, give me your email and I'll show you this. Or buy this, buy that. And they're sending these to cold traffic to strangers, not realizing that even though it's on the computer, it's no different than if you were in person. There's a human being on the other end of that. So if you do it that way, you're probably going to fail. But my version of in real life, if you wanted to talk to a stranger and become friends and then eventually let's say maybe sell them something or help them, let's say help them. Phil Graham:                   It's not just about selling them, you would just go up and start a conversation. And so my version of starting a conversation using Facebook ads is to put out valuable content as an ad. What most people do is they try and put out some value organically, but when it's time to run ads, they just do these spammy sales pitch ads. And I'm saying, "Don't do that." Do the great stuff, the educational stuff, the inspirational stuff as an ad. That's like having a conversation. And when you start doing that instead of just immediately trying to sell somebody, your whole world can change. And it's really exciting. It can work extremely well. We've had clients, it's not the norm, but we've had clients go from zero to a million dollars in sales in just six months. Again, that's not normal. It doesn't happen a lot. But the fact that it did, it's possible when you do it right. And that's exciting to me. Carey Sperry:                   Wow. Yeah, I would love that. Phil Graham:                   Who wouldn't, right? It's so amazing that, that it's possible and when you really connect with people and then follow up in a smart way, it's just like if you, let's say you were out and about and you moved to a city and you had no friends at all. You didn't know anybody, and you wanted to start making friends. Well, you have to start talking to people to enable that to happen. And if you, let's say you start talking to somebody, you just strike up a conversation like at Starbucks or something, that person is not going to be your best friend right away. Phil Graham:                   You literally just met them. Do you need more conversations. You need more frequency of conversations with them before you start to really get to know each other. And many times when you're running ads, you need the exact same thing. Now, if you've got like a $20 e-commerce product, that's a little bit different. But for most people, if they're selling a product or service that isn't a cheap impulse buy, you need frequency. You need to start conversations by giving value before trying to sell anybody. And when you do that, you stand out because guess what, nobody else does that. And 99% of the ads you see are probably spam sales pitch ads that people hate. And so when you do it right, you stand out. And that's the exciting part. Carey Sperry:                   Yes. It kind of reminds me of us being the first generation of having digital kids and we tell our kids, "Don't type something on a text," or through through whatever means you're on. It might be on a social media platform that you wouldn't say to someone's face and it's a little bit different, but it's sort of the same thing. Like don't assume just because you're going through an ad and you're not actually looking at the person and interacting with them in real life that they're going to take your content in a different way than they would face to face. I've heard you use the analogy before where like if you're at a party, you don't just walk up to a woman and say, "Hey, let's get married." You got to warm up to them. And so yeah. Phil Graham:                   Yeah. And a lot of people will run ads like that. They'll like metaphorically speaking, they run ads, I call it like they profit shoot themselves in their ads. I know it sounds kind of weird, but like they're really, immediately going for a sale or an email address. Even though the person doesn't know who they are, they gave no value or credibility first and they're just doing that over and over. And then when it doesn't work, they blame Facebook or Instagram or YouTube ads and say it doesn't work, which is not the case. So when you do it right, great things can happen. There's no easy buttons. It doesn't just magically happen for you. You've got to do it right and you've got to work hard at it. But when you do, it's awesome because nobody else does it. Carey Sperry:                   Doesn't the algorithms, depending on what platform the ads are being run on, take some time for some sets of ads where it's smart to not expect the best to happen within the first month or even second month, that really to get rolling. Sometimes it takes a little longer. Can you talk a little bit about that? Phil Graham:                   Yeah, absolutely. That's a great point. Sometimes you can get immediate results, but a lot of times it takes time and testing and there's so many factors too. Like how much is your budget, how big is your audience? And things like that. There's plenty of times where it might take a couple months to really kick in, especially if you have a larger audience or a smaller budget that's completely normal and you have to be able to give it the time. I love using analogies and there's many times somebody will start some ads and a week or two later they might freak out if they're not already making all kinds of money. And my analogy for that is like if you were in a football game, you ran two plays and you're freaking out because you're not ahead 20 to nothing yet and you've only ran two plays and you're ready to just quit the game. Phil Graham:                   And I'm like, "Wait a minute, you only ran two plays. We have a huge game left." A lot of people just run two plays and stop, meaning they run ads for a week or a month or whatever, and then if it doesn't work right away, they think it didn't work and they quit, and that's a recipe for disaster. You also have to look at intent. How are people using Facebook? They're using it many times when they're multitasking, they might be standing in line at a grocery store, or Target, or something, or they might be at a stop light, or cooking dinner, or doing two or three things at once and they may see your ad and they may actually love what they saw, but the timing might not be right for them to actually buy something at that moment. And many times it's not right at that time and/or they may not trust you yet. Phil Graham:                   They may not know who you are. They may need to see a little bit more from you first. And so when you take that into account and you don't just try and sell somebody on the first ad, but there's an actual formula here. You're not just going to send them an ad, you're going to send followup ads to people that actually watched your initial ads and you're going to keep giving them value. When you start doing that and you give it the time to work that it needs, then it becomes a beautiful thing that can work extremely well for people. Carey Sperry:                   Yes. So what is working with Facebook ads for you? Phil Graham:                   First of all, first and foremost, having a system that you can use that attracts your ideal customers or clients, whatever you call them, that attracts them, gets their awareness, attracts them to you and brings them in and then converts them into a paying customer or client. So that you don't have to number one, chase after business, and number two, since you're attracting them to you, it's more valuable and you can charge what you're worth. Having an overall system is the key. You don't want to just run a few ads. Phil Graham:                   Number two, doing value based ads. I actually have a formula I use that I call EED and it stands for educate, entertain, and differentiate. So when you're creating your ads, especially if you're doing like a video ad, you want to try and do all three in your video, you want to educate your audience and that can be through teaching them something, or it could be by inspiring them or giving them hope, or both. So that's educate. Phil Graham:                   Entertain means you just don't want to be boring. It doesn't mean you have to be like this super charismatic person or anything like that. You just have to have passion about what you're talking about. Or maybe if you're doing a video, you're doing it in a location that looks nice or you're using a prop. You're grabbing your phone to get their attention, something like that. Phil Graham:                   And then differentiate. You need to be different than all the other advertisers out there that are inundating your ideal audience with ads. And if you can do those three things in your content, you can do extremely well and you wrap those into, I like 30 to 60 second video ads. I think in this day and age, and in 2020, video ads are the most undervalued, best way to build your brand, make money and grow your business, by far. But it's not going to last forever. I remember when you could get like Google ad words, you could get keywords like mortgage based keywords for like five cents a click and the those same key words now, instead of five cents or click are anywhere from fifty to a hundred dollars a click. Carey Sperry:                   Wow. Phil Graham:                   So here's the crazy thing. I mean that's insane, right? I mean people would do anything to get five cents a click- Carey Sperry:                   Absolutely. Phil Graham:                   ... just about, in this day and age. But I believe that video ads on Facebook, Instagram, and YouTube are still in that, that wild West price where it's super cheap and I believe that over the next couple of years where you might, we might be getting one, two, three, ten cents per targeted view right now, that probably going to go up 10x or even more. But you've got a sweet spot of time right now where you can leverage and take advantage of that before it's too late. Phil Graham:                   As more and more big companies pour money into it over the next few years, it's going to go up just like Google ads went up, but right now you have the ability to leverage undervalued attention on Facebook, Instagram, and YouTube, especially video ads. And then when you do it the right way, like I've been talking about, you stand out, you can attract people to you, you'll have a system that you can scale and rely on that's not built on hope or chance, which is what most people do and that's the true win. That's the way to like Bulletproof yourself for the future and protect yourself. Carey Sperry:                   Right, and the system is a proven system that has experience behind it, whereas it's not magical where it's just pulled out of a hat, and then a couple of weeks an ads out there that seems to be good and then it doesn't work after two weeks and then, "Okay, I got to stop." Like you gave the football analogy with two plays, it takes a system and it takes also some time at times, and retargeting. Phil Graham:                   Absolutely. And retargeting, yeah. I mean, we've been working on this for many years and everything we do is actually based off of data, not guessing. So when we run ad campaigns, we look at the data, we see what works and what doesn't, and then we make adjustments. And what most people do is they just kind of go off of, "Oh I've, I think this will work." Or, "Hopefully this will work," and they don't really know how to look at the data or they don't want to. We look at the data and then we make decisions based on that data and create this framework that I've been talking about based on that. And so that gives you a great model for success when you do it that way versus most people are just not doing it at any kind of a level like that. Carey Sperry:                   So what kind of trends are you seeing currently? Can you talk a little bit about what they are and what trends you're seeing? Phil Graham:                   Yeah, great question. So a lot of trends I see are things that are not good, and that if you do these things, it's going to hurt you. So you want to make sure you avoid these things. Trend number one I would say is focusing on vanity metrics. Likes, comments, shares. There's so many people that that's the indicator of success when they see it, like if they put out content, if they get enough likes, they feel like it's successful. If they don't, then they don't. They feel like it's not successful, and that is not the measure of success. It doesn't mean put out content, it doesn't mean that at all. But what you should do is focus on something more than that and focus on helping transform your audience with great content and turn that into a sale. There's too many people ... Phil Graham:                   I'll give you a great example. The other day, actually, it was not the other day, it was about a month ago. I saw a couple of videos on YouTube. One video was from somebody who, they're going to remain nameless, but I know who they are and they make no money and they actually live in somebody's basement making no money. And they put out this video on how you can get, I can't remember the exact number, but a hundred or a thousand more followers on Instagram, and it actually had like 40,000 views. Now, same day, another video got put out by the CEO of Zoom, which is a conferencing software. He's a billionaire. He started with zero, built himself into a billionaire that had like maybe a hundred views. So that's the problem. People are like chasing after, "Ooh, how do I get 100,000 more Instagram followers?" And they're not actually focused on, here's a billionaire who started from zero, who's actually successful. Phil Graham:                   And he, he doesn't spend much time posting. But when he does, he hardly anybody was looking at it. So everybody's priorities are all messed up. I know people that make $150 million a year that if they post, I mean hardly anybody sees it and they don't care. It doesn't mean don't post. It's still important. As you know by the way, you guys Carey is phenomenal at organic social media and it's very important. So don't get me wrong that has a very important place in the success of a business. But what I'm saying is, if your primary way to get a customer is predicated on vanity metrics, you're setting yourself up for failure. You need to do a different, so that's one trend I see. Phil Graham:                   Number two, there's just too many people that use what I call templated ad. They'll find ads or templates from landing page services and they'll think, "Well, if this person did it, I'm just going to do the same kind of ad with the same kind of wording and it'll work." Well, guess what? I got news for you. That is a recipe for disaster, also. Phil Graham:                   I could tweet or do an ad or say the exact same things as somebody like Oprah, or Kanye West, or just insert any famous person's name here. I could say or do the exact same things, but am I going to get the same reaction or same results? Of course not. They're famous, right? They have this brand that literally they're ultra famous. So when you try and take a template that somebody else has done, even if it's working for somebody else, they actually have a brand behind it. There's a lot more to the success success than whatever they've just put in the ad. Phil Graham:                   And so too many people think that's all they need. I'm just going to copy company A or entrepreneur B and I'll get the same results. And it doesn't work that way. And I'm not saying don't look at what people are doing and try and get best practices, and I'm not even saying don't use templates, but what I am saying is mold them to your brand, your audience in your message. Don't just blindly copy and think you're going to succeed. Because I see people doing that all the time and it pretty much almost never works. Phil Graham:                   So those are some of the trends I see the most right now. And then also just people relying too much on hope and chance to get business. Versus if you focus on doing the right things, including paying for ads to guarantee your message gets put in front of people, then you're going to put yourself ahead of 99.9% of everyone else out there. Carey Sperry:                   Great points. I see that with the branding that people, businesses know who they are and who their customer is and how they're different, but they don't always take the time or at least circle back to it as time goes on. Because they're so busy and they're focused on so many different things, and they assume that their customers know their brand and they don't hone in on specific words and tones and things like that around their brand. And so of course when they go to try to make an ad, they're not thinking of letting that shine through. And the second thing is a lot of people just don't want to do the work with ... Yeah, it's just a lot. Phil Graham:                   That's a good one, right? Carey Sperry:                   It's a lot to learn. It's a lot. Looking at the data they might not enjoy it like you do. And so those are, those are some really important things to think about and it works. And so it's super exciting and our time has already zipped by. I knew it would go so fast. Phil Graham:                   This has been fun though, right? Yeah, it went by fast. Oh my goodness. Carey Sperry:                   It did, but what we can do is maybe talk again in a few months or something and circle back- Phil Graham:                   Yeah, for sure. Carey Sperry:                   ... and it'll be maybe 2020 by then and we can address some of the new things that are surfacing. I know you have an assessment that people can use with some of these. It allows them to kind of think through their specific what they want to sell and maybe what they want to think about through ads. Is there, is there anywhere they can find that or maybe you and I can create that and put that in the show notes and allow people to- Phil Graham:                   Yes we can definitely, sure. We can put that in the show notes. And you and I have worked together on some stuff. So I like, by the way, again I want to say this a lot, you are amazingly good at what you do. So everybody listened to this, you're in the right place. Carey Sperry:                   Thank you, Phil. Phil Graham:                   Carey knows her stuff, and it's been awesome working with you on some projects, by the way. And so I wanted to make sure and say that. If anybody wants ... so the show notes will be great. We can put some stuff in there. And then my website is philgrahamdigital.com if you ever want to get in touch. The other thing, too I want to mention is I do have a podcast on Facebook ads that I've been doing for over two and a half years. I do a weekly episode every single week and that has a lot of value. Phil Graham:                   It's just pure content every week. So it's called the Next Level Facebook Ads Podcast. You can either search for that on Google or maybe we'll put it in the show notes and it's also on my website. So if you want more Facebook ads specific stuff, there's a lot of stuff in there and there's new stuff every single week. But lastly, I do want to mention, we talked about Facebook and Instagram a lot in here. I'm also very big on YouTube ads and even Google ads as well. So I don't want to ... A big mistake is only doing Facebook stuff. You definitely want to be other places, with ads especially, as well. So make sure you guys are kind of diversifying your ad spend, and being real smart about it. Carey Sperry:                   Yes, yes. We can do another episode on YouTube ads alone. Phil Graham:                   Oh yeah, absolutely. We do a whole episode just on that because there's some really cool things that are different about YouTube ads, so that would be fun. Carey Sperry:                   Fun. Okay everybody check out Phil's podcast and website, and thank you so much. It's been wonderful talk with you as always and if you liked this episode, please give us a follow, a subscribe, and a review, and thank you so much and we'll see you next time. Phil Graham:                   Thanks everybody. Carey Sperry:                   Thanks for listening to the All Social Y'all Podcast. For free resources and materials, head over to allsocialyall.com. That's All Social Y-A-L-L dot com. Also, we'd love to hear from you, what subject areas would you like to hear about in future episodes? You can share that with us by dropping me a comment on our website or in Instagram at All Social Y'all.  

If there’s something season 3 really needs, it’s shooting the shit with 2 true blue aussies about travel. We’re young adults, It’s on all of our minds, especially mine since I just quit my job to go travel the world. Who knows? Maybe this episode is more forme than it is for you but nonetheless, if you’re someone who’s dying to get out there in the world, we got the blueprint for making sure you’re focused on the right things when you travel, learned how to travel safely and in a morally correct way, learned a few places that should be at the top of your list for 2020 travels, and got to hear about a pissed off swearing croation taxi driver along the way. I found today’s guests through there own podcast, the World Nomads Podcast, and ended up visiting them in Sydney Australia where I invited them to come on. So Phil and Kim, welcome!

On this week's edition of the Weekly EastEnders Podcast, we discuss episodes from 16th to 20th Spetember 2019. Hello and welcome to Your Weekly Officially Unofficial EastEnders Recap! So Phil is stamping the ‘Mitchell Seal of Approval' all over Walford this week, keeping court in The Vic and Loarding himself about - but does he really hold the power, now that Mel has the biggest secret to drop?   TIME STAMPS - Find the content you would like to listen to… but don't skip too much!   00:00:00 - “Weekly Shout-Out!” - email eastendersweekly@gmail.com or @eastendersweek on Twitter to get involved   00:03:34 - ‘Yummy Mummies' - Feat. Linda and Mick   00:07:47 - ‘Baker's Deep Feels' - Feat. Keegan, Tiff, Chantelle, Gray, Mitch, and Iqra.   00:16:39 - Feature - “First ‘Til Last” - Mo Butcher   00:30:20 - ‘Bobby's Trip' - Feat. Bobby, Ian, Kathy, Rainie, Callum and Ben   00:45:49 - ‘Rainie's Spiral' - Feat. Rainie, Stuart and Kathy   00:50:21 - ‘Ted's Lonely Escape' - Feat. Ted, Patrick and Sheree   00:54:41 - Game - “Slater Family Values”   00:58:42 - ‘Bex's Uncomfortably Numb' - Feat. Bex, Sonia, Louise  and Robbie   01:05:26 - ‘Mel Had Been Mitchell'd' - Feat. Mel, Lisa, Phil, Sharon, Jay, Louise and Keanu   01:15:08 - “...I'm Not One To Gossip...” / “Who Won The Week?”   As always, thank you all so much for the messages we have received on social media and email - To get involved FIND US… TWITTER: @eastendersweek … INSTA: @eastendersweeklypodcast … EMAIL: eastendersweekly@gmail.com … FACEBOOK SEARCH: EastEnders Weekly Podcast Our Merch Store is OPEN! Visit shop.spreadshirt.co.uk/eastendersweeklypodcast and a HUGE THANK YOU to soundcloud.com/kelly-taylor-25 for our theme tune … Enjoy the show! 

On this week’s edition of the Weekly EastEnders Podcast, we discuss episodes from 16th to 20th Spetember 2019. Hello and welcome to Your Weekly Officially Unofficial EastEnders Recap! So Phil is stamping the ‘Mitchell Seal of Approval’ all over Walford this week, keeping court in The Vic and Loarding himself about - but does he really hold the power, now that Mel has the biggest secret to drop?   TIME STAMPS - Find the content you would like to listen to… but don’t skip too much!   00:00:00 - “Weekly Shout-Out!” - email eastendersweekly@gmail.com or @eastendersweek on Twitter to get involved   00:03:34 - ‘Yummy Mummies’ - Feat. Linda and Mick   00:07:47 - ‘Baker’s Deep Feels’ - Feat. Keegan, Tiff, Chantelle, Gray, Mitch, and Iqra.   00:16:39 - Feature - “First ‘Til Last” - Mo Butcher   00:30:20 - ‘Bobby’s Trip’ - Feat. Bobby, Ian, Kathy, Rainie, Callum and Ben   00:45:49 - ‘Rainie’s Spiral’ - Feat. Rainie, Stuart and Kathy   00:50:21 - ‘Ted’s Lonely Escape’ - Feat. Ted, Patrick and Sheree   00:54:41 - Game - “Slater Family Values”   00:58:42 - ‘Bex’s Uncomfortably Numb’ - Feat. Bex, Sonia, Louise  and Robbie   01:05:26 - ‘Mel Had Been Mitchell’d’ - Feat. Mel, Lisa, Phil, Sharon, Jay, Louise and Keanu   01:15:08 - “...I’m Not One To Gossip...” / “Who Won The Week?”   As always, thank you all so much for the messages we have received on social media and email - To get involved FIND US… TWITTER: @eastendersweek … INSTA: @eastendersweeklypodcast … EMAIL: eastendersweekly@gmail.com … FACEBOOK SEARCH: EastEnders Weekly Podcast Our Merch Store is OPEN! Visit shop.spreadshirt.co.uk/eastendersweeklypodcast and a HUGE THANK YOU to soundcloud.com/kelly-taylor-25 for our theme tune … Enjoy the show! 

  Understanding and Buying Holiday Travel Insurance   Learn the nuances of buying travel insurance so you're actually covered for unforeseen accidents, delays, sickness, theft and more.  Many claims are denied because people don't understand their policy. Don't make that mistake and learn what to buy.   Why Buy Travel Insurance? You buy holiday insurance to help mitigate some of the lossesyou face when your holiday doesn’t go as planned, especially through no fault of your own.  Without insurance, you can be out a significant amount of cash for bookings you are no longer able to use. Americans now spend close to $3 billion a year on travel insurance, and that’s up almost 20%!  I buy holiday travel insurance for every trip I take. To me, it’s a small price to pay for piece of mind in case something goes wrong, plus I have 24 hour assistancewhen something does go wrong.  It's super important to UNDERSTAND what travel insurance is and the types of things it can cover.  It doesn't cover 'stupid' or negligence like being under the influence.  And it's only to try to make you 'whole' not compensate you for your loss.  So in an approved claim, you in effect, get back the money it cost you had the unfortunate event not taken place.  In this podcast episode, I get to better understand travel insurance in my interview with Phil Sylvester of World Nomads.   Links Mentioned:  Active Travel Adventures podcast   World Nomads Insurance quote  Costa Rica podcast episode Tanzania safari podcast(Mickey faceplant!)   The Best Travel insurance can cover things: Before your trip: You or an immediate family member gets sick or dies Your tour or cruise gets cancelled (in fact this just happened to me after I already bought my expensive plane tickets and some non-refundable Airbnb’s before and after my tour) Your flight gets delayed   During Your trip: Your bags get lost, damaged or stolen You miss your connections due to other delays Something you booked gets cancelled You get sick or injured (or worse) Your destination experiences a natural disaster or terrorist attack   HOW TO FILE A TRAVEL INSURANCE CLAIM Before you go: Put in the cloud a copy of your travel insurance policy.  Make sure you know the 24 hour Assistance Contact number and your policy number. READ YOUR POLICYduring the grace periodto make sure that it will cover the risks you don't want to assume.  Please don't ignore this! Something happened...What Do I Do? You will need to call the Assistance Hotline and have this information available: Your current contact phone number Your policy number Be able to describe the problem Be able to tell them your location   World Nomads is my 'Go To' insurance company when I travel for an adventure because they "GET" adventure!  Virtually every adventure I cover on our companion Active Travel Adventures podcast is automatically included in their standard policy - unlike many travel insurance policies!  If you use my links you'll be helping to support the show - at NO additional cost to you -Thanks!  Kit   Not all companies cover all problems that can happen before and after your trip.   Before purchasing any travel insurance policy, you should understand how the policy will help you if these events occur:   MEDICAL NEEDS   What if I get sick or hurt BEFORE my trip?  If you or an immediate family member gets seriously sick or dies and you need to cancel or delay your trip, your travel insurance can kick in.  Note that if these same loved ones get sick or dies while you’re traveling, you are also usually covered to get back home where you are needed. For you, you would need a doctor’s certification that you are unfit to travel or you, your travel buddy or immediate family member be hospitalized , or God forbid, dies. What about dental?  If you have sudden dental emergencies, like an infection or an accident that breaks your jaw, these are the kinds of things most policies will cover.  But they will deny getting that crown you wanted. It covers sudden changes to what were healthy teeth for things that can’t wait until you get home.   What if I get sick or hurt ON my trip?  Travel insurance is NOT health insurance, so most policies do not cover pre-existing conditions.  If you have a pre-existing condition, then be doubly sure to read your policy. Some policies will allow for pre-existing conditions if purchased far enough in advance.  But if you get hit by a tuk tuk in Bangkok or get Dengue Fever in Brazil, this is when you’ll be glad to have travel medical coverage. This kind of coverage takes care of in and out patient medical care, prescriptions, ambulances, etc.  It won’t however cover you for stupidity like getting drunk and passing out on the street to then get hit by said tuk tuk. It will get you healthy enough to travel so that you can either finish your trip or get back home to where your regular medical insurance will kick in. Also super important:  make sure that the activities that you are planning to do are covered under your policy. Many travel insurance policies do not cover adventures.  That is one reason I recommend my affiliate partner World Nomads.  They understand adventure and virtually everything I cover on the Active Travel Adventures podcast is automatically included with their policies.   If you get sick or hurt and are in such bad shape that you need to get home NOW, then you will be glad you have:   Emergency Medical Repatriation  If you get so sick or injured that you cannot continue with your trip, you may require emergency medical evacuation, which can cost over $300,000 -- Ouch!  But if you’re in a country that doesn’t have shall we say, the most advanced medical care and hospital system, you want to buy travel insurance from a company that will get you out of there and into the hands of quality doctors and facilities pronto.  You want a company whose medical team can decide whether to help rearrange your trip to accommodate fixing your problem or figure out the best way to get you out of there, whether by ground ambulance, air ambulance, sea level aircraft, helicopter evacuation, flight changes and upgrades with medical staff if need be.  But what happens in a truly worst case scenario: What if I die on my trip?   Look over your policy to see if it will cover bringing your body home.  Some will pay for the local burial or cremation. Some will pay for the cremains to come home, some with some without a loved one as escort.  Choose your policy based on what you want covered here. Note also that suicide or deaths caused by alcohol or drug abuse will not be covered.  Most policies will also exclude pre-existing conditions. If one of your immediate family members dies while you’re on your trip, this is usually covered.    PERSONAL BELONGINGS   What about my stuff?  How does travel insurance cover my belongings?    Baggage:    Delays:  Most policies cover getting some necessary items if your bags are delayed for a certain period of time.  This will include things like necessary toiletries, perhaps a jacket. Lost:  The carrier has lost your bags.  Most policies cover a specific amount of loss.  If you have fancy electronics, jewelry or cameras, you may need a special rider.  Also check with your homeowner’s insurance policy as you may have coverage there already.  Likewise, some credit cards are now offering some travel insurance that can cover several of the items we are talking about today.  Review your credit cards to see which offers the most comprehensive plan and then consider booking your trip with that card. Damaged by carrier.  If the airline, for example, busts your bag roughly throwing it onto the carousel, this is usually covered. Stolen.  Assuming you weren’t careless and forgot to get your bag off the bus, or you didn’t go to the restroom and leave your bag in the lounge, if your bags get stolen and you’ve taken reasonable precautions, stolen bags are usually covered.  You must file a police report to file a claim. And before you buy a policy, make sure that the country you are living in AND the country you are traveling to are covered under your policy. I see that some do not cover Brazil, for example.   OTHER PERSONAL BELONGINGS: Note also that most prescription drugsare covered if stolen. Stolen Passportsare often NOT covered, so check with your policy.  I think it’s a good idea to take a photo of your passport and visa, and then email it to yourself and a loved one.  I also keep a photocopy in my purse and suitcase. I’ve never had need to use them, but I’m sure if I do, I’ll be grateful for this foresite.  If someone uses my passport fraudulently, my travel insurance company can also help me here. Credit Cards.  If your credit card gets stolen, it’s not usually covered by your travel insurance policy, but your company’s hotline may be of some assistance.  They MAY cover getting the new card to you. On the copy of your passport, write the last four digits of your credit card number and the toll free international or national number to reach customer service if you need their help.  This is what you take a picture of and email to yourself. If your credit card gets stolen and you then don’t have another to continue your trip, this is not considered a trip interruption because you can devise a backup plan. There are limits for the total claim and for an individual item. Say $1000 total and maximum $500 for an item.  So if only my $750 camera got stolen, I could only claim the $500. If you’ve got fancy stuff, consider getting a rider unless you are willing to absorb the excess loss.   Motor Vehicle Accidents Your travel insurance policy probably WON'T cover the damage to your vehicle so MAKE SURE if you rent or drive a vehicle that either your normal auto insurance policy covers you WHERE you will be driving. Otherwise, you will need to purchase the very expensive optional insurance that the lender will offer.  CHECK BEFORE YOU LEAVE SO YOU KNOW WHAT TO DO! So the bottom line is, your travel insurance should cover the medical costs of the accident, but not the physical damage to the car.  CAVEAT:  You MUST be driving with a valid license for that country (which may mean an international license) AND not be under the influence or otherwise breaking any laws.   COUNTRY ISSUES What if there’s a natural disaster?   In April 2015, there was a massive earthquake in Nepal, killing over 9000 people.  Most travel insurance policies will kick in to get you home after a disaster, but you need to examine your policy before you buy it, or during the free cancellation grace period afterwards.   If you get hurt in the disaster, then the medical issues we already discussed kick in. If the airports or other transportation systems are shut down, or your accommodations get destroyed or your tour company cancels, this is where you’ll be glad that you have travel insurance coverage.  A natural disaster is likely to kick in several components of your travel insurance policy from trip interruptions, delays and cancellations, to possibly some of the medical coverages. A good travel insurance company will have a 24 Hour Hotline to assist you in making arrangements to help solve your crisis. Note that if a major typhoon is forecasted to hit the Phillipines next week, and you decide to book a trip there during this time, that clause would be excluded because the natural disaster was a known entity.  However, if you booked your trip three months earlier, they could not forecast that particular typhoon. Your policy will usually cover you if you follow the advice of authorities. So that could mean cancel the trip if they are advising evacuation, but no insurance kick in if they do not.  Also, if the authorities advise evacuating , but you decide to watch the storm and then get hurt, you’re going to get denied.  In a similar vein, let’s talk about terrorism.   Terrorism There are limits to the terrorism clauses, but if the even is unforeseen, as most terrorist attacks are, then whatever medical or interruption clauses that might be triggered provided you did not book your trip AFTER the terrorist event.   You can’t utilize this clause if you simply get nervous about traveling some place and want to back out of the trip.  Authorities would have to recommend that people no longer advise visiting a place for the trip cancellation or interruption to kick in.  I had assumed, wrongfully, that when I purchased my travel insurance for my upcoming Middle East trip, that if the terrorist threat increased, that my insurance would kick in.  NOT! There would have to be a serious incident in the places that I am going for me to utilize this clause.   Bottom line is you need to really READ YOUR POLICY during the grace period.   Bottom line is you need to really READ YOUR POLICY during the grace period.   Lots of claims get deniedbecause people are not following the policy guidelines or terms.  For example, again on my Mid East trip, my trip expanded from my original tour. My policy requires me to be covered from door to door from my house.  So the first policy I paid for is null and void because I am now traveling both before and after. So I learned my lesson. Completely plan my trip BEFORE i buy a policy.     Certain companies have guidelines as to WHEN a policy must be purchasedrelative to the date of the first deposit.  If you have an expensive trip in mind, it doesn’t hurt to poke around the insurance website ahead of time to see what the purchasing time windows are.   Then one you’ve planned your trip, add up the NON-REFUNDABLE PORTIONS.  Some things like many hotel rooms you can cancel, right? So don’t include those.  Tally up how much you would be out of pocket if you have to cancel your trip. That’s how much to get the quote for.   Travel Insurance companies calculate rates based on the following: Total cost of the non-refundable parts of the trip Your country of home residence Your destination or destinations.  If you are going several places, generally they want you to list the furthest, but double check so that you are following the rules.  It is worth the call to find out. On my upcoming trip, even though I will be spending the most time in the US, the furthest country is Jordan, so I was instructed to input Jordan.  I noticed my rate quote was the same, however, I didn’t want them to have any loophole to squiggle out of if I have a claim. Your age.  The older you are the higher the cost. Your pre-existing conditions, especially if you want to cover them.  If you have pre-existing conditions, it pays to shop around. Some will allow coverage if bought far enough in advance. How comprehensive you want your policy to be.  Are you adding pre-existing conditions, a jewelry or electronics rider?  If you are going on an adventure, is your activity covered or do you need a special rider?   What about other insurances? Credit Cards.  As mentioned, some offer a skeleton coverage of certain items listed above.  It doesn’t hurt to use a credit card that offers some travel insurance, but I don’t think it’s a good substitute for a comprehensive policy. Travel Agent or Airline coverage:  When you check out, often you’ll be asked to get travel insurance to cover your purchase.  This will only cover the ticket you just purchased. If I am traveling domestically and think that it will be pricey if I have to go home unexpectedly because of Mom, I might buy it, but I usually still prefer the comprehensive policy. Also keep in mind that some agents will sell you a cruise cancellation policy.  This technically is NOT an insurance policy. I still say, stick with a comprehensive policy.   How to Choose Which Travel Insurance and Get a Travel Insurance Quote I recommend World Nomadsbecause they understand adventure and they have a real person review all claims, instead of a machine.  Their policy basically, as it should, requires that you use common sense and don’t be stupid or do stupid things.  And if you’re head is on straight, they are there to help you out when something goes wrong. Your goal is not to make a profit off of your claim, just to not be out of pocket.  I find them affordable and are usually my go to. They do have policy limits that mean I can’t always use them (like my really long and expensive Mid-East trip), but they are my general ‘go to’ insurance company.  If you use my link, you can get a quick travel insurance quote and at no additional cost to you, you’ll be helping to support the show.  If I can’t use them, then I use: InsureMyTrip.com  I like this website because I can easily compare travel insurance policies and then pick the right policy for a particular trip and my risk tolerance for that trip.  They also have a third person advocate, so if you get denied a claim you feel should have been honored, they can step in and take a look and possibly help. Whichever method you use, I find it easiest to buy my travel insurance online.     CAUTIONS: Cheap travel insurance may not be good travel insurance.  READ THE POLICY. You get a grace period for several days up to two weeks.  During that time, you can review the policy to see if it is the right fit for you.  If you see that you missed something, you can cancel and get your money back so you can find a better policy. You are most likely going to have to upfront a lot of the expensesand then get reimbursed.  I would recommend bringing a credit card with a high limit in case of an emergency.  Otherwise come up with a back up plan (ie, a family friend or relative that may be able to front you some cash). Complete Transcript Note: This is a machine trasncript bound to be full of boo boo's. I provide it (unedited) so that those taht prefer to read rather than listen to the show have the means to do so.  I apologize for any errors:)   Kit: (00:00) Okay. Kit: (00:02) Six months before my husband passed away. Kit: (00:06) Okay. Kit: (00:06) We were sitting in our office and our desperate right next to each other and bill was in remission and somebody had called me to ask me do something. This is in November, asked me if I wanted to do something the following June. And I said, no, I couldn't really plan cause I didn't know what bill's health had been like because his cancer had come back twice already. And so I was just kind of keeping things in limbo. When I hung up, he said, listen kid, I'm feeling good right now. Why don't you go take a trip? All I'm feeling good. And after a couple of years of medical and the stress of bills, cancer and just all the drama and the rentals weren't doing that well. And so anyway, I said, that sounds really sweet. I said, I have always wanted to go to Africa. I knew that would be some place but with never want to go. Kit: (00:47) He said, well go if you can find somebody to go with you. So I emailed my girlfriend Mickey. I said, Hey Mickey, do you want to go to Africa and go to safari within 15 minutes? She emails back. Yeah, let's go. So here we are November and we decided we're going to go on a safari in January. So we ended up driving to Washington d C to get our visa because we didn't trust mailing our passport there and getting it back in time in case there's a snafu because at the time was so short, had another story for another day about the Snafu that happened on the way to the DC. But anyway, so we finally, we go off on our adventure. We head to Turkey for a few days to kind of recoup a little bit of the jet lag before we head into Tanzania. We land at like two o'clock in the morning as all the flights seem to, or picked up by a tour company who takes us to this nice little eco lodge that we're supposed to sleep for a couple of hours, get up, have breakfast and go out in the safari. Kit: (01:38) Everything's great. We've got this cute little room. It's got the mosquito netting. It's kind of cute. Nothing fancy, but it's nice. We sleep maybe two or three hours, get cleaned up. We're walking down this dirt path on the way to where the restaurant area was in the lodge and single file path and all of a sudden I hear Mickey Stumble and I turn around and she does a face plant and just smooshes her face in. So we are in this backwoods area and she's just bleeding and her nose is smooshed and we can't even use the water from the faucet cause it's not sterile enough. So we had to use bottled water, try to clean it and the people at the lodge couldn't have been any nicer, but we just, they just didn't have the, the medical facilities there. Finally we get the doctor and the doctor actually recommended that she be flown to Kenya for treatment and she's like, no, no, no. Kit: (02:32) I just want the stitches and the doctor does it. Everything's fine, no infection. But he doesn't let her go out into the Bush on the safari because of the risk of infection. She'd be too far away from medical care. So she ends up having to spend the entire five day safari time at that lodge, which in hindsight turned out to be a good thing for her because a, she ends up making friends and family members out of everybody she meets and she still keeps up with all those folks this many years later. But B, turns out also that she gets car sick and 70 something years old needs to use the restroom a lot. Not a good combination when you're in a jeep and a safari bumbling around on, on rocky rutted roads. So anyway, end up being a blessing and thank God that she bought the travel insurance even though it took a while to get all the paperwork and all that. Eventually she was reimbursed for the expenses. So today we're going to be talking about travel insurance and I've got an expert on travel insurance and travel safety with us from world nomads and we're going to learn all the ins and outs of travel insurance, what to look out for, what you should be looking for. And without further ado, let's get started. Kit: (03:43) Welcome to the adventure travel show podcast. I'm your host kid parks. Today we're chatting with Phil Sir Vester from world nomads, the company I now buy my travel insurance from. And in full disclosure is also an affiliate of active travel adventures and the adventure travel show. So Phil is a travel safety expert for world nomads out of Australia and he's here today to answer all of our questions about travel insurance. Bill, welcome to the program. Phil: (04:08) Thanks very much for having me. Kit: (04:10) I know people are gonna think travel insurance sounds kind of dry, so let's get people off with a good start and let's tell them some fun stories to show them. This is going to be a fun show. Tell me your favorite happy ending travel insurance story. Phil: (04:23) Oh, we have so many. Oh, okay. Here's one. There was a Florida guy and he was doing base jumping in Switzerland, would you believe? And ended up hanging on a rock ledge quite a way off the ground and was quite badly injured. He got rescued and we got him back home to Florida and because of his head injury it had to be a low altitude flight. You can't just put them on a regular commercial plane, but we got him home and he made a full recovery. So, you know, that was very expensive for us, but it was a great outcome for him. The downside of it is we don't have a base jumping anymore. Kit: (05:01) And one reason I, I should note, the reason I switched to world nomads from my previous carrier is because I cover adventure travel and I didn't realize a lot of the things I was doing wasn't covered under regular policies. Phil: (05:13) Yeah, yeah. Look, we've got, ah, you know, I think it's about of, uh, over a hundred, nearly 200 adventure activities that we will cover. And generally they're ones that are not covered by other people as well. But you know, there are certain things that we don't cover. You know, like if you wingsuit flying or as we'd like to call it plummeting, uh, you know, it's not going to be covered. Kit: (05:37) Oh, I've seen video of that. Yeah. Now that's pretty cool. It was crazy. We don't cover anything that the bar is set, so I've got to be able to do it. And I'm 58 years old and I'm only in reasonable shape. I'm not like a super athlete, so for the most part we just do hiking, biking, paddling, nothing too crazy or too adrenaline kind of stuff. Yeah, so I bet you you also have some pretty interesting, weird stories Phil: (05:58) of just like freaky things. Can you tell us one of those and then we'll get into some of the nitty gritty? Okay. We've had three broken penises. Oh, that's interesting. Yeah. I'll explain this. All right. Just stick with me. Okay. Where are your tone joins the bottom of your mouth? There's that little bit of skin there that sort of, you know, little, yeah, that's a frenulum. All right. Men have got to, yes, the other ones down there, if you tear that it plays a lot and there is an operation that you need to reattach it. It's called [inaudible] to me. I see. And we've had that come up with three times. People that have been away on holiday and they've been having some, you know, some wee time with their partner and something's happened and it's got torn. Kit: (06:46) That's a different kind of adventure than what we cover on this show. However. Phil: (06:50) Yeah. Okay. Uh, okay. Yeah, let's hear it. Few years ago there was a, a customer traveling in India and noticed he had an insect bite and it was getting, you know, kind of itchy and whatever. And then he noticed that it was actually moving underneath there and something that laid its eggs under his skin. So he went to the doctor and the doctor said, go buy a piece of mate and strap it to your lake because the lava inside the maggots inside will be attracted to the role made on the outside, not the inside. And they did, they all lift his leg and went into the meat and he threw it away. We paid for the doctor's appointment, but he had to buy the piece of meat himself. Kit: (07:29) Well that one seems like you came out pretty good on that one. Phil: (07:32) [inaudible] Kit: (07:34) so let's, let's, let's talk a little bit about why should people buy travel insurance? Just to like a, a brief thing. Cause I'm gonna ask you some more detailed questions, but just kind of give us a synopsis of what should be going through our heads when we say, oh, we've got this great trip. Why should we cough up a little extra money? Phil: (07:48) Because there are always unexpected things that happen that mean that you're not able to go on the trip or continue the trip or I have to end it early and these are things that people are just not planning for. I mean who would know a volcano would go off in Iceland and ground or flights in Europe who would know that you know you're going to get hit by a BMO when you're crossing the road in Indonesia, who would know if a close family member is going to be suddenly very ill, which means you have to stay home. These things you can't plan for it. You don't know they are unforeseen. And this is what travel insurance is there for, to make sure that you don't end up out of pocket and don't forget. And travel insurance, it's insurance, it's not compensation. So it's going to make sure that you end up financially where you were if that thing had not happened, but it's not going to compensate you for a bad experience. Kit: (08:42) Right, right. And actually the reason that you just brought up about the a loved one or something, that's the main reason that I started buying travel insurance is I have elderly parents now, it's just an elderly mother. But at 93 and a half years old I that I might get the call one day. I travel so much that I need to go home instantly and they stick it to you at the airfares. And some of them, the tours I do are extraordinarily expensive and I just don't want to be out that much cash. Phil: (09:07) Yep. Yep. Well every sensible willed out. Kit: (09:10) So let's, let's talk about, that's one of the key things that most policies covered and that's trip cancellation. So I'm going to ask you about a couple of different things that I know of about trip cancellation. You can tell me a little bit about what are the kinds of things we need to be looking at. One of which is like natural disasters. You talked about the Iceland and weather things like who decides how bad is a disaster and how does all that work? Phil: (09:32) Well it varies a little bit. I mean it's pretty obvious with the volcano cause when it goes bang, that's it. You know an earthquake, same thing but a a natural disaster. If you, if you check out like the State Department's travel section, they will put up warnings about when things, you know, when they advise you not to travel to a destination. That's a big key factor. The British Foreign Office also do those warnings as does the Australian Foreign Office defect. So we kind of take that is you know the Bible basic. If they say to their citizens, don't go here, then you are not, you can't travel against the adviser. View of the old covenant h case is judged on its merits as well. We have underwriting teams everywhere and they will look at events and they'll go, well this has happened. How has that kind of impact our travelers? And so they will, you know, we're, we're constantly monitoring things that happen around the world. Phil: (10:27) But basically if it works this way, if the, if there's been, you know, some sort of incident in the place that you're going, if the planes are still flying there, if the hotel still open and you know, the roads are still open, you're going. But if any of those things are not happening, you know, like you can't get to it. The roads blocked. The hotel has been forced to close. The tour has had to be canceled because of this incident or you know, there's no, no flights going in and out of the destination, then that's the taste. Kit: (11:00) All right, let's, let's take that a step further with terrorism, which is unfortunately something we have to deal with these days at the State Department, let's say, uh, I'm actually this fall going to several places that are a level two, which it's advise a little bit more caution than the level one. If the State Department moves at two a level three does that kick in the insurance because now it's more advisedly not to go what is level three? So I think it's four levels. So level three is saying, Eh, not a good idea. Like Nicaragua right now is a level three and that they're almost in civil war. Phil: (11:33) Yeah, no you're good for level three but you know, don't go near any of the protests in the streets of Managua. But you know, if there's no advice, no level four advice, then you, yeah, you can use the travel insurance has not yet been cut off. Kit: (11:48) And then now on the the death or a serious illness of a loved one, what are the parameters? Who defines loved one? Phil: (11:55) Look, it is actually defined in the policy wording in the PDS. So yet somebody asked us, we did get a question, somebody said my dog died. Does that count as a close family member? We're really sorry and we understand how you feel about your dog. But no. Yeah, it's generally siblings, parents in laws, but it probably wouldn't extend to cousins. But again, every case is judged on its merits. I mean, if you're sharing your life and you're living in the same house as a cousin and it's a cousin that dies, then we'll, we'll say to that, Kit: (12:31) okay, that actually sounds pretty fair at fair than I would've thought. Um, how about, and then sometimes there's coverage for layoffs if you get laid off and now all of a sudden cash could be a problem. Is that typical or is that something you need to look for? Phil: (12:43) Okay. It does happen. The amend, the one of the other providers as we've got [inaudible] policies for US citizens is if you get called up for military service or you get called up for jury duty or if the business that you work for goes into liquidation, you know, it goes bankrupt and you're required to be there to help clean up and things like that. So there's a lot of reasons why you can cancel around those sorts of areas. Kit: (13:08) Yeah. It sounds like you're actually using some judgment calls, which is nice cause it sounds like it's some of the things that are above and beyond what, what you read in the actual policy. Cause I've looked at the website kind of extensively. So you've talked about the weather and then also if you miss a flight or a connection through no fault of your own. How's all that work? Phil: (13:27) Okay. This is complicated. If you, which lots of us do because you know we'd like to book our own trips and our own flights. If you book a flight from destination to destination B, stop over it with the intention of going to destination C and you book airline number one for a and B, but you book airline number two for B and c and you miss the connection. That's your fault. That's your problem. You didn't allow enough time to be able to make the connection. Whereas if you had booked from a to B to c with airline one the whole way through, it's their responsibility to get you to see. So if you're held up or delayed or your missy connection in destination B, they will sort it out for you and they will put you on the next flight. But in the first scenario where you've got two different airlines as far as airline two's concerned, when you just don't show up, they don't know where you've come from, they don't know you've got a connecting flight, you just haven't showed up. And airline one has, when they eventually get you to destination B, they fulfilled their commitment to you. So it's your fault for not allowing enough time to make the connection in between. So don't leave it a couple of hours if it's really important that do it. Stop over, have a day in the, in destination B. Yeah, Kit: (14:43) that, that's actually happened to me and d was not covered. So I get that one. Now Phil: (14:48) we will book our own cheap flights and we like to make it up ourselves. Right. I get that. But just have to be aware that you leave enough time. Right. Right. Now what about the lost or delayed luggage? How's all that work? You obviously have got to report it as soon as you can at the airport. Always keep those baggage tickets. They stick on the back of your boarding pass varies from, cause I'll take it, you've got not just Americans listening and maybe it's some British people this, no, no actually we are. We're international and we have over a hundred countries. We've got like 13 different policies that cover people from around the world and the wording unfortunately slightly different in the mall. So generally though, if your luggage is delayed for more than 12 hours, in some cases it's only six hours, but you know it's like say 12 hours, check the policy wording, you can then go and spend and get some essentials to make it up. Phil: (15:41) That might mean that you need to go and get some new underwear. You need some toothpaste, you need, you know, some pajamas a you, it may be in a cold climate and you need a new jacket or something like that. You're entitled to go and get those up to a certain amount, which I think is around about $250 a day. And you can claim that back now if it's gone for more than 24 hours, I think there's 24 24 hours. If it's that and then it's considered completely lost, then it's basically as if it's been stolen and we'll pay out the maximum benefit that we've got for your luggage. Now let's switch gears to something that's, that can be really, really expensive and that's medical. So let's, let's talk a little bit about if somebody's got a preexisting condition. For example, a lot of our listeners are over, let's say over a certain age, over 60 a lot of people that we interview here, and they may have diabetes or they may have some heart conditions. Phil: (16:34) How does all that work? Again, with like I said, 13 different policies and different wordings and what have you said, check the policy in the world nomads policy for your country of residence. But there are some of those conditions which we do cover. But if it's not on the list of things we do cover, then we don't. And if you are traveling and something happens that is related to that condition, it won't be covered. So we are not necessarily the right policy for you cause not all policies are everything to everyone. So the reason you should read the policy wording is to make sure that it's right for your circumstances. So you, if you have a preexisting medical condition, you may need to go and choose a different provider who does on their own providers who have screening processes and they will say, yeah we'll cover you for that for an extra premium or no we're not going to cover you for that but we'll cover you for this whatever. We're not one of those because that just adds a layer of complication and slows things down. We are a different type of travel insurance and we might not be right for you. Okay. Now would that be something, do you know of going to like ensure my trip back calm would be a good resource to do that? Sure, Yep. I know of the brand in Australia that has a screening process, but I'm not aware of, I don't know. Kit: (17:49) I used them before I switched to you, but I don't remember them ever asking me about any preexisting conditions. So I guess the bottom line is to read your policy in check while you still have the grace period. That's going to be the only time you can get your money back. If it turns out you inadvertently bought a policy that's not suitable for you. Uh, how about if you have an accident or sudden illness or you eat something? Oh boy, you got sick. What do you do then and what kinds of things are covered there? Phil: (18:15) You have medical bills, so if you're overseas and new VOR, ill look, if it's a minor complaint, find an near clinic and get the medicines that you need and what have you and keep the bill that you get from the clinic and then submit that and you'll be reimbursed if it's a major incident and you're admitted to a hospital. Sadly, when you're admitted to the emergency department, as soon as they've stabilized you to make sure you're not going to die and they've stemmed the bleeding, one of the next people you will see will be somebody from the front office with a clipboard and they're going to be asking you how you're going to pay for this treatment. I'm serious. The person with the clipboard turns up and that's when you go, here's my world nomads policy number, give them a call and they will call our emergency assistance teams and we will swing into action there. Now our in house medical teams will liaise with the people treating you to make sure you're getting the best possible treatment. We will assess the hospital that you're in and decide if there's actually a better one nearby and if it's possible medically advised to move you to get the better quality care and we will pay the bills up front so you can concentrate on getting well rather than having to find your credit card in your wallet. Kit: (19:33) Right now when my girlfriend Mickey, we were in Tanzania and she had a really bad fall and they wanted to fly her to Kenya. She chose not to. Would that have been something when the locals are even saying you shouldn't get that treated here, you better go into the next country, you get better treatment. Is she a doctor? She's not. The doctors were saying exactly she adult number cause she's stubborn. The start ended well but if everybody's saying Eh, you know cause a lot of places we go to our go to may be a little dicey when it comes to the medical scene there. So Phil: (20:07) yeah call, call our emergency assistance team and no it shouldn't be called in emergency. It's like customer assistance team and traveler assistance team. Really like give them a call and say look this has happened. I've had a fall. The locals here and saying don't get this treated here. Go to Kenya. What do you advise we will, you know, you'll probably end up speaking to our in house nurse or our in house doctor who will make the best assessment they can over the phone. And then if it's decided that, yeah, okay, we can't tell from here, whatever, and you do need better treatments so it will get arranged and we'll get you somewhere where you're going to get quality care. And I got to say, if the locals are saying don't do it, I would whoa, Kit: (20:49) you hear that Mickey? Uh, it just, it's, it's so hard cause you know, you, you're so excited to go on your trip and we are walking to breakfast the morning of our safari and she just does this face plant and just smushed her face in and she's just, and she's also, you know, be fuddled and you know, just, it just wasn't what you're expecting that day and you know, surprises happen. And she was just being shook up and stubborn. She's like, no, I'll just go ahead and stitch me up here. So whatever. Like I said, it ended up working out fine, but it was a little traumatic morning. She's pretty tough then, right? Yeah, she's very tough. She's very tough lady, so she's pretty cool. Yeah. All right. So now let's say what, is there any kind of coverage amounts we should ask for or is this something that you have a choice on or how does all that work and any recommendations there? Okay. Phil: (21:41) In Australia, the United Kingdom, we're kind of used to travel insurance being the way it is through world nomad. But Americans are kind of used to a different type of insurance won't see you. This is the value, this is the cost of my trip, this is a value of my trip. And then you get charged and certain percentage of that of the cost as your premium at doesn't work that way. With world nomads, what determines the cost of your premium here is the maximum benefits payable. So you know there was a limit of say $1,500 on lost luggage. So that's the maximum benefit that you can claim and given. And then you go across all the other benefits against which you can claim that determines what the premium will be. So if you are going on a $500,000 trip to tens and year, your insurance premium determined by the, the better maximum benefit of Alpha will be saved. I don't know what it is. I'm making this up. Maybe you know a $150 if you're going on a $50,000 trip to Tanzania, it will still be $150 because of the maximum defined benefit that's payable. So you won't pay any more if you're going on a luxury trip as if you going backpacking somewhere. It's the same because it's defined by the maximum benefit possible. Kit: (22:59) Okay, so so it's so it looks like we need to look at the policy to see what the coverage limits are and if we see that there's a huge gap between what the coverage limits are versus our trip. And most of our trips aren't anywhere near those kinds of things. I've looked at your policies, everything that I've covered so far for the most part outside of maybe Kelly would fall within those ranges. But if you're doing some extraordinary luxury trip, you need to check that closely before you buy. Did I get that right? Phil: (23:26) January. The thing that happens most often is people have got really super duper expensive camera equipment and the maximum benefit for the leading camera is not going to replace it. You know, you might have a $5,000 camera and it's not going to be covered by our benefit limit, but in that case, people who've got big cameras that generally are a part of some sort of professional association or Semiprofessional Association and you know, or photography club or something like that. And those clubs generally will have insurance policies for their members to cover their equipment. So you make sure that your camera equipment is covered in some other way. The world nomads policy has got that equipment benefit level and if that's not sufficient, then you know, you should look at getting additional insurance to cover a specific item Kit: (24:14) and US citizens at Leisha check their homeowners policy because sometimes in particularly we have a rider, you may have coverage there. Phil: (24:20) Oh totally. Yeah, absolutely. Yeah. A lot of home policies will cover it. Things like laptops and cameras when you take them out of that out of the house. Yeah. And they often have higher benefit limits than we do at world nomads. So you know, so you walk into breakfast in Tanzania and you fall and split your face open, but also smash your camera. We will do the medical stuff, but don't claim the camera from a, the camera damage without his claim. The camera damage with your other insurance Kit: (24:47) and when you buy something expensive, make a copy of the receipt because a lot of times your credit card company will offer some insurance because they figured we're going to forget all about it. So that's another little hidden insurance benefit that you may have and not even realize you have now also gets a little bit confusing with the insurance with the Schengen travel insurance in Europe. Can you explain a little bit about that? That whole thing was kind of new to me anyway. Phil: (25:10) You know, the USTA that you need to get into America, which is you have to apply for clearance for these at free entry. It's kind of like a visa to say you don't need a visa. Right. That's what's going to happen in Europe as well. You're gonna need to apply so that they can screen you beforehand to say that you're eligible for visa free entry. That's all that is. Kit: (25:32) I thought there's a requirement for travel insurance with that now too. Uh, Phil: (25:36) probably a requirement for medical insurance. So your travel insurance will cover that. Kit: (25:40) Oh, okay. That's probably what they're going after. Okay. All right. Yeah. So yeah, cause I understood that you had to show some kind of proof of insurance. Phil: (25:47) You've already got travel insurance, which includes medical, you see if you've only taken out trip insurance, so you have any cupboard, you know the flight that doesn't include medical, which is why travel insurance is as an all encompassing trip insurance, medical insurance, evacuation insurance as a combined product. That's why that's better to have because as you say, and you know you're going to have travel insurance anyway. Kit: (26:12) Right, right. And then also I read too that sometimes some travel agencies and cruise lines and all that, they'll push travel protection, which is quite different from travel insurance. Can you talk about that a little bit? Phil: (26:25) Yeah, that, that's like the trip detection. So what they are doing there is they are selling a product and you can buy it at a kiosk at airports in the United States you are offering insurance against the cost of that travel ticket so it doesn't cover anything else. It doesn't cover your medical costs. It probably doesn't cover loss of your baggage and what have you. But if the flight is delayed or the flight is canceled, then you can make a claim for insurance compensation thing that to cover your costs that you've lost. So it only covers one thing and they are making around about, I would suggest, I don't know for sure, but I reckon they're making about 50% commission on that insurance that they sell you. Kit: (27:07) Yeah, that's about what I read too. So, yeah, so it's not necessarily a good value. And, and people are getting confused between protection and insurance or what they have in their mind, what they're buying. Phil: (27:18) Correct. And they're using the word protection for that reason. Kit: (27:22) Is there any tips you can give us about how to not only just evaluate insurance policy, but also the company behind it? Because there's, you know, everybody's heard of the nightmares, oh, I bought insurance and they didn't pay anything and Blah, blah, blah. How we evaluate looking at a company Phil: (27:40) such a major, it's really great for that. Go onto the company's website, find their Facebook site, find that, see what people are saying, go on other travel forums, see what people are saying it as well. Because you know, read it is a great place to find information like that as well. It is such a heavily regulated industry worldwide that there are no dodgy operators. You're not going to buy insurance and it's not properly bad. It just doesn't happen. So you're pretty safe with going who maybe you choose with the product that they are offering, which is right for your circumstances. It's very, very, you're not, you're just not going to fond an insurance company that goes bankrupt. But their processes for handling claims about whether they are good at that or not, we'll be very, very clear on social media. But don't forget as well, lots of people get very upset on social media of like, oh, I paid all this money and they won't pay my claim. Phil: (28:34) There's not an entitlement to be paid for something. You actually have to play by the rules. And in lots of cases, people you know, have done things which are not covered. We had a case recently where a customer was upset, they got altitude sickness was, they were in Nepal and they were at 4,900 meters, but they had purchased a policy that only covers up to 4,600 meters and now it's only 300 meters and can, yeah, but you know, that's what the policy wording said. You know, that's the one you chose, but then you've done something different. You've just, so maybe you originally plan not to go above that altitude, but then suddenly you found a reason to, he could've called us up an upground new policy to get covered, but you didn't. So now you're saying, oh, it's not fair that you've rejected my claim. We ended up paying by the way, because you know, yeah, it is only 300 meters or so, but a lot of the complaints that you get, Oh God, they won't pay my claim. It's, yeah, it's because you don't qualify to get it paid. Kit: (29:37) Okay, and then that brings up the other thing too is a lot of times are mad because they might've done something negligent or they might have been under the influence or can you talk a little bit about that and maybe give some stories about that? Phil: (29:49) Yeah, sure. Here's an example for you. For Australian customers who go to Bali a lot, it's very great destination. We go there a lot. It's very close by. It's like our Cancun place. 60% of the claims that are made related to motorcycle injuries out of Bali, we reject because they are not licensed to ride. They're not wearing a helmet or that under the influence or what we call the unhappy Trifecta. All three drunk, no license, no helmet. And they crash and fall off like a client, sorry, not happening. So we reject 60% of those, uh, those, those requests. Kit: (30:28) I like beer. So if I have one beer and something happens to me, I'm not covered. Or do you have to have a certain limit or, or, or is there a, a formula that you use? Phil: (30:38) Yeah, every case is judged on its merit. Somebody will assess your claim and they will make investigations and they will get the toxicology report from the hospital where you're admitted and we'll find out how much alcohol was in your system. And then they will make a person, a person will make a decision on whether your state of intoxication may have contributed to what happened to you. So there's no hard and fast rule because common sense prevails. And I know people will find this hard to believe. But it is true if we get somebody and you know, these are people that we care about, these are our customers, these are our, you know, these are nomads. We want them to travel. We will look and go, well under this part of the policy, we wouldn't pay that claim. But, uh, there's a contradictory part of the policy over here that says we are able to, to pay it. Phil: (31:29) You know what, let's use that one and pay the claim. And as long as you can justify that, I mean then we can, we can look after you and we're gonna we don't, we don't want to strand people in hospitals with huge bills. If there's some way that we can find that is going to pay it, then we will do that. So some a person is making that assessment on your claim. So, you know, we try and put as much humanity into that as we possibly can. But if you're over 0.05 or 0.08 or whatever the legal blood alcohol limit it is in the place where you have the accident, then it's very likely that it's going to be, you know, a contributing factor. But look, if you've had one drink and your sensibly walking back to your accommodation rather than riding a motor scooter and a vehicle Koreans off the road and hits you, you could be as drunk as a skunk, but as long as you know, because that was somebody else's fault, you did not contribute to what happened to you. Phil: (32:24) So it's interesting as well by the way, because we were looking at this now that they've legalized cannabis in Canada and it's like how do we treat that? And there is such a, you know, people do go to destinations because cannabis legal or at least dispensed in places in the United States and the same thing applies. But the, in Canada, the government has said if you are intoxicated, if you are under the influence and you have a traffic accident, then you will be judged. So the Canadian government advisers don't smoke and drive at all. And we would be kind of following that advice as well. So that's the rural set up there. But I mean it's really easy to determine what your blood alcohol level is, but not quite sure how it is to determine how intoxicated you are by cannabis. So go easy. Kit: (33:13) And then also if somebody is, we do a lot of hiking on this program. If so many clients at the top of the mountain, they're just too tired to come down. You don't send a helicopter for them, do you? Nope. Nope. That's their problem. Right? Have people tried? Phil: (33:28) Sure. We've got a massive problem with that in Nepal at the moment because there are lots of helicopters operating there and a lot of very tired and grumpy and saw people at the tops of Trex who can't face another four days trekking back. And it is a problem. And, and if they are claiming to have symptoms of altitude, mountain sickness, altitude sickness, then first priority is to look after their welfare. So, you know, they will get medically evacuated and yeah, and it's, it's a problem if you are at the top of mountain and you haven't planned well on up, what will happen is night will fall, a blizzard will come, the local Alpine rescue team will be throwing in an action and they will come and get you off the mountain and put you in a hospital. Then that's where your travel insurance takes over and we start paying your medical bills and we are canceled and miss trips and all that sort of stuff. So No, there is no helicopter with the world nomads, you know, our little symbol Sanchez, the little sort of in command, there's no helicopter with cheers plays and on it that will come and get you. Sorry, Kit: (34:42) I definitely get that. You've got so many people that are hidden to Nepal, they're not doing their training, they have no altitude prep at all. And then they just wanna be able to show an Instagram that they did this or they did that. So now I totally get that you shouldn't have to pay for somebody arriving woefully unprepared. Phil: (34:57) Why would you put yourself in that position in the first place? I mean, it's like airbags in cars, right? So people go, I've got their bags so they stopped wearing their seatbelt. You know? Why would you put yourself in the position where you haven't planned appropriately, where you may find yourself too tired to get back down where you've gone? Why would you do that to yourself? Kit: (35:14) Well, they may not have the experience to know. Yeah, maybe. I think with Instagram and, Oh, I've got another question coming up about that. You know, they, they see people doing all these things and they want to do it and they may, you know, I heard of somebody thought she was going to the Appalachian trail, pushing a shopping cart, you know, I was like, has she done any homework whatsoever before she started out? Phil: (35:35) Well, here is another about travel insurance. All right. We don't cover the stupidity. Seriously. You're doing a really dumb thing. We don't cover that. Kit: (35:43) Got It. Got It. All right. What about people that are not traveling so specific with specific dates? And this is a very personal question because I got a really complicated project this fall that I'm going to multiple destinations over the course of several months with time in between that I haven't really, I haven't booked the flight yet. I book the tours, booked the conferences, so combined it's too much. So do I do an individual policy or do I do chunks of policies or how, how do I do something like that? And what do you do with people that are just traveling nomadically and don't really know where they're going to be? Is there annual policy or chunk policies or what do we do? Phil: (36:22) Well, you can get a policy that covers you for the world worldwide. So let me get this straight. So you're going away and then you're coming back at an indeterminate time. At the end of all of this, you're not coming back home in between. Correct. By a policy right now because you've already outlaid money on tools and what have you. Get a policy now that covers the dates that you're going to go. And if you don't think you're ever going to come back, then get worldwide for up to six months. Now. Federal regulations when you can't do more than six months at a time, but you can renew your will nomez policy while you're on the road. So you just get online and extend it. And if you've got worldwide then you can go anywhere that you like. But if you know you're going to a specific region, you can get a policy for Asia, you can get a policy for South America out of world nomads. So it doesn't really matter where you go within that region. Kit: (37:12) How about some credit cards bragged that they offer travel insurance? Can you talk about that? Phil: (37:17) Yeah, sure. And they do. And the policies are generally underwritten by the same people that are underwriting, you know, specific providers. But you again have to read the policy wording to see what they cover. They often have a higher deductible than a it standalone travel insurance provider. And there may be criteria around how it's activated. Do you have to tell them beforehand? Do you have to have paid all of your trip portion of your trip or pay for on the credit card. So make sure you know how it's activated. Then check who the emergency assistance company is that they are using. Cause it's not, you know, somebody in your bank who's going to help you and you're in trouble. They've, they've got service provider, find out who they are and you know you can make an assessment of those as well. And the other thing is what is the emergency assistance number that comes with your credit card insurance? Phil: (38:12) You have to dig around pretty hard to find that sort of information. And the other thing is you don't know exactly how much you pay for that. They go, it's complimentary, it's included in your credit card. But they don't tell you how much that travel insurance policy is actually costing you. You've got a willed nomads, you know you're paying, you know, $109 for that policy, but you get this complimentary, not free, but complimentary travel insurance and they're stinging you for it. It's all the charges that you're paying for that. So it's actually not very good value either. And just on a personal level, if you're, you know, if you've just face planted in Tanzania, are you really going to call your bank to look after you? Why wouldn't you know like let's get a, you know, let's get a specialized travel insurance provider to run it for you. I don't know, like it's there and if it suits you again, you know, like I said, we'll know him as policies. I'm not going to be perfect for everybody. Maybe the one that comes with your credit card is perfect for you, then go for it. Kit: (39:16) What about to a, sometimes our car insurance here in the states covers, at least in the United States, I've never, I can't remember overseas if I rent a car, I'm covered on that. Does that translate in travel insurance when you're traveling outside of the area or can you talk about that a lot? Phil: (39:35) Well, you'll so unsure about it. I'm pretty sure everybody else's does. My American car insurance cover me for that excess damage waiver. I think they call it, Kit: (39:45) does my car coverage? If it says it does, does that cover a scooter in Vietnam for example? I have no clue. Phil and I went back and forth on this auto insurance and what's covered and what's not covered, and I edit out all that junk because the bottom line is, is you need to check with your auto policy here at home first and see what is covered there. And if it doesn't cover you where you're going, you're going to need to buy whatever the insurance is at the place that you're going with whatever the vehicle is, whether it's a scooter or a car, whatever. And the key thing is, is you've got to make sure that you have a valid driver's license for the location that you're going to be in. And that might require having an international driver's license. You have to wear the hell about or follow whatever the rules of the roads are in that country. Kit: (40:30) And you can't be breaking any rules, which means you can't be under the influence and you gotta be following the law. So your travel insurance basically will cover the medical problems if you have an accident and assuming that you are following the rules but it will not cover the auto vehicle damages. That's what your auto policy needs to cover. And if you don't have an auto policy, you need to buy one from the company you're renting from. So that's the bottom line. And some policies may cover your deductible on auto accident but not the actual accident. So I can not emphasize more clearly you need to read the policy, you get a grace period after you buy the policy, you download the policy, you actually read it and see is this a suitable policy for you and are you willing to take the risks that are not covered. Your policy will spell out in black and white what is and what is not covered. And you cannot expect them to make exceptions. That's just the way it is. Okay, so let's switch gears and let's talk about stolen baggage. Phil: (41:37) The biggest problem we have, and it's a little unfair, is what's what's considered to be unaccompanied baggage. If you are not paying proper attention to your belongings and they get stolen, the loss may not be covered. And sometimes that gets down to, oh I just put it on the table now turned around for one second. And it's like, yeah, well that was unattended baggage as opposed to, you know, I, I left it over there and walked away to another shop and came back, which is quite obvious. So sometimes it can sound really unfair about the way it is treated. So please look after your belongings. Don't put your cell phone down on a table and turn around just for a second. Cause in some places that we traveled to, they are or can be solid on the black market for like, you know, a month with wages for somebody local. So look after your belongings, don't leave them unattended. And don't be surprised if you do and your claim is questioned. Kit: (42:40) Let's, so let's talk about theft. You're walking through the markets and somebody snatches your purse. Phil: (42:46) So you had it on under your arm. They still grabbed or they cut, they cut the strap and ran off with that. Yep. Is that covered? Yeah, it happens all the time. Hatton. Just recently, actually a friend of mine works for a big international airline and they have had two or three of the cabin stuff, have had the handbags snatched by motorcycle thieves. You know, they ride by and just pull them off. There's an Australia woman who died because of that, about three or four years ago. So yeah, look, if you're injured in that, yes. If the bag has got valuables in it and it will often have things like your passport in it, yeah. Then the cost of replacing those items will be covered. That is absolutely. They left lots of baggage. Yes. It's covered. Plus you may have been injured as well, so we'd cover your medical bills Kit: (43:34) and so what kind of proof do we have to present to you? It's something like that. I mean, I don't take a picture of what's in my purse. How do we have to show you that we've actually had a loss? Phil: (43:42) Well, it's pretty obvious with a passport. I don't have it. I can't leave the country. I need to go and get a new one. If it's something like a camera or something like that, and you should do this with all of your positions that you take away. Nobody keeps the receipts when they bought stuff. You know, maybe you've had your camera for five years and you don't know where that receipts gone and what have you. But to prevent fraud, we're going to need some sort of proof that you owned it in the first place and some sort of proof that I actually was stolen from you. So the proof that you had it in the first place, if you've got the receipt, great, nobody does. But if you tape, you're the one person that does,

Captain Marvel is in theaters. Disney+ — the massive streaming service that will comprise all of the company's offerings, along with Marvel and Star Wars and a million other things you probably didn't realize Disney owns — is waiting in the wings and will be available later this year. So Phil sat down with two of the biggest Marvel and Disney brains he knows to suss it all out. NOTE: Between the time we recorded this podcast and the time it was published, Tablo has changed its plans for guide subscriptions yet again. Important update, folks!  

Chromecast is finally (FINALLY!) once again available for purchase from Amazon. (You can buy one here: http://phon.es/szcq) That's a big deal for a number of reasons, and we figured it'd be a great time for a deep-ish dive into Chromecast the dongle, and Chromecast the protocol. So Phil and Jerry tear it all apart. What is a Chromecast, why you would want one, and what its limitations are. (Note: we're cross-posting this in the Android Central feed. Thanks to them for that.)

TWD 9×03 Warning Signs: Rick’s vision for the future is threatened by a mysterious disappearance that divides the work camp where the communities are building a bridge Joe Dirtylockz is finally back and sharing his thoughts! So Phil and joe talk about all the good and bad of this season 9 episode of Walking Dead as we count down the last few episode of rick grimes. Subscribe on Youtube to watch Live

TWD 9x03 Warning Signs: Rick's vision for the future is threatened by a mysterious disappearance that divides the work camp where the communities are building a bridge Joe Dirtylockz is finally back and sharing his thoughts! So Phil and joe talk about all the good and bad of this season 9 episode of Walking Dead as we count down the last few episode of rick grimes. ---Please Subscribe On Youtube 

The Phil And Monski Show! Monski shared some Big personal news So Phil came up with a master plan! You don't want to miss this exciting new show! Press Play, like and please share!

So… Phil and a Croatian Protestant theologian walk into a bar….  Oh, you’ve heard that one?  Author/theologian/Yale professor Miroslav Volf sits down with Phil to talk about Christians in culture and his new book Public Faith in Action: How to Engage with Commitment, Conviction, and Courage.  What follows is a fascinating conversation about Volf’s arguments for religion in a globalized world, plus what discourages and encourages him about the North American church today.  And how his fountain pen explains his view of God and Creation.  He’s a bright guy and it’s a lot of fun!  This week on the podcast!

Phil filled in for Hal on his show one afternoon...and forgot to record a commercial to promote what was coming up on the next Hallerin Hilton Hill Afternoon Show. So Phil, with the help of our amazing audience, decided to record a promo FOR Hal....

Seth Cohen is a Christian educator who has run schools in inner-city Philadelphia and the Dominican Republic. He’s also a life-long friend of Christian Taylor! So Phil and Christian sit down with Seth to talk about his adventures in teaching kids, running schools, and following God.