Podcasts about three key points

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Play Episode Listen Later Oct 24, 2023 17:33

On today's episode of the "The Runway Decade Podcast," hosts Bill Bush and Pete Bush, advisors at Horizon Financial Group are typically co-located for the podcast, this episode finds them connecting remotely via Zoom. The reason for their remote setup is not due to the common reasons of the past few years, hinting at the global pandemic, but rather a disruption in their usual operations. The hosts discuss the real reason behind their remote work situation. Their regular recording location has been infested with termites, causing significant damage that was worse than initially anticipated. Episode Highlights · 01:55: The hosts share that they had already planned to move to a new building on November 3rd. The termite situation offered a somewhat timely opportunity to prepare the old building for sale while getting ready to transition to their new location. · 02:09: The conversation shifts to the broader theme of disruptions in life, particularly when things seem to be running smoothly or "on the runway." Disruptions can manifest in various ways, from economic changes and job layoffs to health issues and family matters. · 02:53: The hosts hint at their book, "The Runway Decade," which discusses potential obstacles and challenges young adults might face in their 20s. The book provides insights into planning and dealing with life's unpredictability. · 03:16: The hosts emphasize that while disruptions are inevitable, having a plan can provide a foundational guide to navigate through such challenges. Even when things don't go according to plan, having a strategy to fall back on can help individuals determine their next steps. · 03:45: Drawing on the adage that the only constant is change, the hosts reflect on their own experiences with disruptions, particularly the impact of the pandemic. They discuss how the world has adapted to new norms, such as remote working and using tools like Zoom. · 05:26: The conversation shifts to financial disruptions, such as divorce, death, job changes, or health challenges. Bill and Pete emphasize the need for teamwork, especially among professional advisors, during these challenging times. They discuss the importance of restoring confidence when faced with such significant life changes. · 07:15: As the team transitions to the new space, the host discusses the intricacies and numerous tasks involved, such as updating addresses on letterheads, websites, and other collateral. · 09:28: Emphasizing the seemingly minor yet significant time-saving, Bill and Pete shares how they once calculated the three to four-minute difference in driving time, multiplied by the number of trips they made, and factored in two cars. They amusingly note that such minute savings could translate to about two weeks saved annually. · 11:02: The conversation pivots to a thought-provoking article from the Wall Street Journal, which tackled the age at which individuals tend to make their most optimal financial decisions. As the host reveals, the age pinpointed by the article is around 53 or 54, fitting perfectly within the "runway decade" age range that the podcast focuses on. · 13:07: Pete discusses the optimal age for making the best financial decisions, referencing an article from the Wall Street Journal which suggests that age is around 53 or 54. This age range is termed as the "runway decade sweet spot." · 15:41: The conversation touches on a referenced Wall Street Journal article and the significance of asking the right financial questions. Three Key Points 1. Bill and Pete discuss how economic recessions can lead to job disruptions and layoffs, affecting many people's livelihoods. They also mention other possible disruptions like health issues and family problems. 2. The discussion emphasizes the role of experience and wisdom in refining one's financial outlook. By the time one reaches the runway decade, many previously held misconceptions or unrealistic expectations about finances have been dispelled, either through personal experience or by observing the experiences of others. 3. Bill and Pete discuss the motivation and purpose behind their book, emphasizing the importance of financial awareness and preparation, particularly as individuals approach their 50s. Tweetable Quotes · “Disruptions are almost guaranteed in one's journey. The notable quote from their book is highlighted: "Plan on planning for your plan not to go as planned." This emphasizes the importance of flexibility and adaptability in the face of unforeseen challenges.” – Bill · “Many retirees choose to downsize their homes to reduce maintenance and possibly transition into retirement communities. In contrast, the host's business is experiencing growth, leading to an "upsizing" of their office space.” – Pete · Individuals in their early 50s become more proactive and serious about their financial futures.” - Bill Resources Mentioned · runwaydecade.com · Podcast Editing

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Inter Miami 4-0 Toronto FC: Messi and Alba leave game early, Inter gets three key points

Messi & Co

Play Episode Listen Later Sep 21, 2023 45:00

Ashley, Austin and Gian discuss Messi and Alba leaving the game in the first half, and Inter Miami finding the way to rout Toronto FC 4-0 without two of its key players on the pitch. What's next for our number 10 and our left back? Will they be back on time for next Wednesday's final?Advertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

The Financial Decision Sweet Spot

Play Episode Listen Later Sep 18, 2023 17:56

In this episode of "Inside the Plan with the 401(k) Brothers", hosted by Bill and Andy Bush, the hosts provide insight into the hosts' their experiences with money and financial responsibility, highlighting the values they learned from their upbringing. Episode Highlights · 02:08: Bill and Andy emphasize that nothing was ever handed to them, and they had to go out and earn their own money from an early age. · 03:57: Bill and Andy highlight their commitment to making prudent financial decisions and investing in their own assets, such as their home, as a long-term financial strategy. · 04:46: This segment of the episode touches on the importance of timing in financial decision-making and how individual circumstances and perspectives can affect stress levels and financial choices. · 05:28: The hosts discuss the intriguing age range of 53-54 mentioned in the Wall Street Journal article as the time when people tend to make their best financial decisions. They express curiosity about why this particular age range is considered optimal for financial decision-making. · 06:21: Bill talks about the evolution of financial decision-making as individuals grow older and gain a better understanding of the complexities and risks associated with financial choices. · 06:48: The hosts mention that people make fewer mistakes at this age because they have accumulated a significant amount of life experience and knowledge over the years. This learning process has become deeply ingrained in their decision-making. · 07:52: Bill and Andy acknowledge the importance of recognizing that one's "runway" in life is not as long as it once seemed, prompting a desire to get their financial affairs in order, particularly in preparation for retirement. · 09:10: The hosts discuss their experiences with market ups and downs, emphasizing the importance of learning from these experiences. · 10:13: The hosts emphasize that people often underestimate how long they will live, and they stress the importance of planning for a potentially lengthy retirement. They highlight that retiring at 65 could mean having 30 years of retirement life ahead, so financial planning should account for extended longevity. · 11:43: Bill and Andy advise increasing retirement contributions, especially when major debts, such as car loans or credit card debt, are paid off. This ensures that extra funds are directed toward building a more substantial retirement nest egg. · 13:57: The idea of making thoughtful financial choices that align with one's current and future priorities, particularly as individuals approach retirement and experience changes in their life circumstances. · 14:04: The hosts wrap up the discussion by highlighting the article from the Wall Street Journal titled "The Exact Age When You Make Your Best Financial Decisions." They recommend it as a quick and worthwhile read for gaining insights into the topic. · 15:34: Bill and Andy emphasize the importance of preparing for the next several years, including the next five, ten, and fifteen years. They acknowledge that financial mistakes are inevitable, but with wisdom and preparedness, individuals can recover more quickly from setbacks and avoid taking excessive risks. Three Key Points 1. The hosts discuss their decision to stay in their current house instead of selling and moving to a more expensive place, highlighting how such a decision reduced potential stress levels. They reflect on how everyone experiences stress differently based on their circumstances and perspectives. 2. People in their 50s have likely experienced market downturns and economic challenges, which can be valuable learning experiences. Younger investors may not have encountered such financial setbacks, whereas those in their 50s have had the opportunity to learn from past market fluctuations. 3. Bill and Andy highlight the value of resources like the Wall Street Journal article and the importance of continued learning and financial awareness, especially as individuals navigate their "runway decade" leading up to retirement. Tweetable Quotes · “In their teens and 20s, Bill and Andy were more idealistic and less understanding of how things work. They describe this phase as a time of having false hope and engaging in what they call "magical thinking," where they believed things would work out without fully realizing the risks involved.” · “By the time people reach their 50s, they often no longer feel the need to impress others. Instead, they focus on personal improvement and making choices that enhance their own lives.” · “Market experiences can be valuable lessons and that maintaining a balanced perspective on investment is crucial.” Resources Mentioned · Horizon Financial Group

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Reunions, Time Machines, and Hootie

Play Episode Listen Later Sep 6, 2023 17:53

On today's episode of the "The Runway Decade Podcast," hosts Bill Bush and Pete Bush, advisors at Horizon Financial Group talk about Bill's recent weekend, where he celebrated his 40th high school reunion at Bellaire High School. The reunion was a combination of the classes of 1981, 1982, and 1983 due to the pandemic. Episode Highlights · 02:08: Pete mentions how the past is also somewhat "made-up" because people select specific memories to keep and leave others behind. He notes that high school graduation is one of those monumental moments in life that leaves a significant mark. · 03:17: Bill reflects on the significance of his 40-year high school reunion, highlighting that some people might be having their 30-year reunion, which places them in their late 40s and entering the "runway decade." · 03:23: Pete mentions the "future glimpse" aspect of their planning process from the book, where they project how people's lives will unfold based on their current age, including significant others, parents, kids, and spouses. · 04:52: Bill and Pete discusses the introductory theme of their book, which involves making educated guesses about people's lives based on their age and life stage. He emphasizes that these guesses are not one-size-fits-all, but they can provide a starting point for forward planning, considering factors like what people may be thinking, doing, or how their children might be developing within a general range. · 06:11: Pete and Bill discuss how rapidly technology and society change over time. They speculate about what life will be like 20 years in the future, and Pete mentions that people tend to adapt quickly to new technologies. · 07:26: Bill mentions that their high school reunion was held in a historic downtown building, likely built in the 1920s. He mentions some of the history of some of the surrounding buildings, including previous uses as the Louisiana National Bank building and a hotel. · 09:43: Pete and Bill discuss the importance of minimizing expenses as one approaches retirement. They emphasize the concept of "health and wealth" in their book and how going into retirement healthy and without debt can significantly boost financial confidence. · 11:29: Pete discusses the concept of the "future self" and how people tend to prioritize their present selves over their future selves. · 13:23: Pete mentions watching a behind-the-scenes show about Linda Ronstadt and the book "Die with Zero," which deals with using your resources wisely. · 14:50: Pete discusses the importance of finding a balance between time, money, and health during your "Runway Decade." · 15:10: Pete mentions the book "Die with Zero" and its idea of finding a balance between these three elements. He talks about the heart of the "Runway Decade" chapter, emphasizing the need to consider time, money, and health as you age. Three Key Points 1. Bill mentions a recent trip to Europe, where they saw a musical adaptation of "Back to the Future" in London's theater district. He notes that the musical is a time travel story, which ties into the theme of the "Runway Decade" podcast, where they focus on looking ahead to the future and planning for retirement. 2. Pete and Bill discuss the significance of minimizing expenses and being healthy as retirement approaches. 3. Pete discusses the importance of finding a balance between time, money, and health during a person's "Runway Decade." Tweetable Quotes · “Health and financial stability can boost confidence and reduce stress in retirement.” – Bill · “Thinking of the future self as someone you care about, like a long-distance friend or family member, can help foster a sense of responsibility and planning for that future self.” – Pete · “People tend to prioritize helping their present selves over their future selves.” - Pete Resources Mentioned · runwaydecade.com

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Preparing for the Season!

Play Episode Listen Later Aug 21, 2023 18:49

In this episode of "Inside the Plan with the 401(k) Brothers", hosted by Bill and Andy Bush, the hosts discuss various topics including the hot weather of August, the anticipation of cooler weather, and the upcoming football season. They mention the excitement for college football, particularly focusing on the LSU Tigers and their strong performance last season. Bill and Andy discuss the unpredictable nature of life and draw parallels between unforeseen events in sports and retirement planning. Episode Highlights · 01:57: The hosts draw a parallel between this anticipation for football and the anticipation that individuals have for retirement. · 02:41: People often look forward to specific events, such as counting down the weeks to certain occasions. Bill and Andy emphasize the importance of anticipation in both football and retirement planning. · 02:48: Bill and Andy reiterate their high hopes for LSU's success in the upcoming season, highlighting that these hopes are shared not only by fans but also by Coach Kelly, the coaching staff, and the players. · 04:12: Even when individuals are healthy and making good decisions, unexpected things can still occur. · 04:47: Retirements, like football seasons, don't always go as planned, and individuals may face situations that necessitate continued work. Some retirees might need extra income or insurance, prompting them to stay employed. · 05:30: The hosts emphasize the need to balance high hopes and optimism with a dose of reality. They stress that planning should account for potential setbacks and challenges, and individuals should be prepared for things not going perfectly. · 06:40: Bill and Andy emphasize the need for individuals to have financial advisors who can identify blind spots and guide them through their financial journey, much like a football coach guiding players on the field. · 07:24: Just as a football team needs to strike a balance between aggressive and conservative plays, individuals should aim to strike a balance between growth and security in their investment approach. · 09:00: Bill and Andy compare football plays to investment choices, highlighting that overly conservative or overly aggressive approaches can lead to unfavorable outcomes. · 11:02: Just as a football game requires a well-rounded game plan, a fulfilling retirement requires careful consideration of various elements that contribute to a well-rounded and purposeful life. · 12:24: The hosts mention their mother's active social life as an example of how staying engaged with family and friends contributes to a vibrant retirement. · 14:02: Bill and Andy discuss the concept of control in retirement planning, comparing it to the control that football players have over their game and performance. · 16:05: Bill and Andy emphasize the importance of having purpose and activities in retirement beyond just financial planning, drawing parallels to the enjoyment of leisure activities and social interactions. · 17:08: The hosts reiterate the importance of having a plan for retirement, just like a football team has a game plan. They emphasize the need to consider both the high hopes and potential challenges that retirement may bring. Three Key Points 1. Just as a sports team must have contingency plans for unexpected challenges, individuals need to account for unforeseen circumstances in their retirement plans. 2. Bill and Andy highlight the importance of diversification, managing risk, and balancing growth potential with security. 3. Bill and Andy highlight the multi-faceted nature of retirement planning, where financial preparation, risk management, and quality of life considerations all play crucial roles, similar to the various elements in a football game plan. Tweetable Quotes · “Sense of anticipation underscores the importance of planning for retirement, just as fans eagerly await the start of a football season.” – Bill · “Just as a football team doesn't simply show up on the first day of the season without prior preparation, individuals also need to engage in forward-thinking and planning to ensure a successful retirement.” – Bill · “Learning from mistakes and being open to adjustments are key to both successful football strategies and effective retirement planning.” – Andy · “Retirement could last for decades, and individuals need to plan for potentially living well beyond average life expectancies.” - Bill Resources Mentioned · Horizon Financial Group

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Business Leaders and CYA

HerCsuite™ Radio - For Women Leaders On The Move

Play Episode Listen Later Aug 9, 2023 21:04

On today's episode of the "The Runway Decade Podcast," hosts Bill Bush and Pete Bush, advisors at Horizon Financial Group have decided not to have a guest and instead engage in a conversation with each other, reflecting on their journey and possibly discussing future plans. They mention having gained publicity through national magazines, open houses, and book signings, which improved distribution. Episode Highlights · 01:29: Bill and Pete reflect on the past year and the amount of content they have produced. They express curiosity about where their endeavors will lead in the future. · 01:48: They mention that a significant portion of their business involves working with business leaders, particularly in the context of retirement plan management and consulting. They emphasize that dealing with business leaders is a substantial part of their professional activities. · 02:55: The hosts delve into the characteristics of business leaders in more detail. They highlight that many business leaders have been with their respective companies for a significant period, contributing to the company's growth. · 03:01: Leaders often receive attractive compensation packages, including benefits and perks, and they tend to have substantial account balances in retirement plans like 401Ks. · 05:41: Business leaders often have extra perks, including equity ownership or synthetic equity arrangements. They might be offered deferred compensation plans or non-qualified deferred compensation plans as part of their compensation packages. · 06:25: The host highlights several obstacles that business leaders face, including lack of time, being scattered across multiple financial accounts, procrastination, lack of knowledge, and disinterest in financial planning. · 08:20: The host discusses their book "The Runway Decade" and its purpose. They clarify that the book isn't meant to provide specific solutions or advice for individual situations, as everyone's financial circumstances are unique. Instead, the book guides readers on how to think about financial planning and retirement transition by posing the right questions. · 10:27: By going through the matrix and checking off what they know or don't know, people can identify areas where they need assistance and guidance. This process prompts them to consider questions such as retirement income projections, account balances, benefits, and contingencies for unforeseen events. · 13:32: Bill and Pete discuss an upcoming event called CYA 360 (Cover Your Assets 360), which focuses on addressing the various risks that business leaders and owners face, both in their businesses and their personal financial lives. · 15:06: The host emphasizes the significance of the runway decade for business owners and how CYA 360 can be particularly valuable during this time. · 18:20: The hosts reflect on the guests who have appeared on their podcast over the past year. Three Key Points 1. For owners of the business, there is a direct link between their stake in the company's equity and the outcome of an exit or transition. However, business leaders who are professional managers, such as CFOs, HR officers, or operations leaders, might not have equity ownership, but they contribute significantly to the company's success and its equity value. 2. Many people initially focus on investment planning when they think about financial advisors, as it's a common perception. However, the matrix illustrates that financial planning encompasses various areas that impact an individual's financial life. 3. Bill and Pete emphasize that business owners are familiar with the industry-specific risks they encounter, as well as the economic factors affecting their businesses. However, they might not give the same level of attention to their personal wealth and the translation of their business success into their personal financial situation. Tweetable Quotes · "A business leader doesn't necessarily have to be the founder or owner; it could also refer to an executive responsible for leading and advancing the business." – Pete · "Organizing your finances can provide a sense of control and understanding over your financial situation." – Pete · "CYA 360 is an event that catches the attention of business leaders and owners because they're accustomed to considering risk management for their businesses." - Bill Resources Mentioned · runwaydecade.com

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How to Say It Shorter with Janine MacLachlan, CEO, Leadership Communications Strategist

Play Episode Listen Later Jul 19, 2023 30:10

Get ready for a masterclass in effective communication with Janine MacLachlan, a woman on a mission to make your ideas heard. In this interview, Janine shares all the secrets to winning buy-in at every level by being succinct and clear in your message. Join host Natalie Benamou and Janine MacLachlan shortcuts to having your ideas moved forward in your organization.Discover why it is so important to reduce the words and make sure they have impact. We look at how to test your message with your audience and how anticipating their questions can help shape your narrative. Janine describes exactly what you need to be brief, be bright, and be gone.3 Strategies To Say It Shorter:1. Implement Janine's H3C formula: Headline, Three Key Points, Call to Action. It simplifies your message and ensures everyone understands your “ask”.2. Think Like an Editor: You need the most important point at the beginning of any conversation. “If you only remember one thing…3. Always start with your audience. What is the one thing they need to know to make a decision?3 Quotes:1. "Really zeroing in on understanding who your audience is and what they need is the best way to serve them." - Janine MacLachlan2. "One of the themes I use is to be brief, be bright, be gone" - Janine MacLachlan3. "Avoid pre-apologizing and focus on what's truly important." - Janine MacLachlanWe wrap this power-packed episode with some common communication pitfalls and how to avoid them like a pro. Janine gives specifics on identifying your mannerisms and how to focus on what's truly important. This episode includes practical advice and strategies to help you become a more effective and confident communicator. Tune in and start your communication transformation today!This podcast is sponsored by HerCsuite™ personal development programs. Find out which one is best for you and schedule a call with us. We would love to know what success looks like for you!If you found this podcast episode helpful, we would love it if you share it with a friend or colleague and rate the episode on Apple podcast.Janine MacLachlan is on a mission to help leaders get their ideas heard. She does individual coaching and consulting and also conducts workshops to help teams level up their presentation game. Her signature workshop is “Say it Shorter - Break Through the Noise”.Host Natalie Benamou, is a purpose-driven leader helping organizations and women accelerate growth and amplify their impact in advancing women and improving women's health outcomes.Thank you Janine MacLachlan for helping us to say it shorter Be Brief. Be Bright. Be Gone!ResourcesJanine MacLachlan WebsiteJanine MacLachlan LinkedInHerCsuite.comNatalie Benamou LinkedInHerCsuite™ LinkedIn

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Songs of Survivors with David St. Romain

Play Episode Listen Later Jul 17, 2023 35:28

On today's episode of the "The Runway Decade Podcast," hosts Bill Bush and Pete Bush, advisors at Horizon Financial Group are going to talk to David St. Romain. He reflects on how his current work with veterans was a result of a personal journey and a higher calling. Episode Highlights § 01:06: David St. Romain's participated in the TV show "Nashville Star" in 2007, where he finished third and gained national attention. § 02:00: David talks about facing a financial setback due to a declined grant for his non-profit organization, which serves military veterans through song writing workshops. § 03:32: David St. Romain mentions his previous work in individual song writing with girls who had been trafficked and his involvement in children's advocacy. § 04:00: David discusses an operational grant that fell through but mentions upcoming events and another foundation that will provide a small grant to support their operations. § 04:32: Bill and Pete, highlights the importance of using music as a tool to cope with pain and trauma. § 05:05: David mentions one of his board members who was a veteran they worked with and served alongside him in the National Guard in Louisiana. This connection influenced his involvement in veteran work. § 06:00: David shares his background, being born in Alexandria, Louisiana, and living in multiple houses and cities due to his father's job in the car business. His family eventually settled in Florida for six years before he attended Menard, a Catholic school, in Alexandria. § 08:28: David talks about his fearless and go-getter attitude, sometimes leading to poor decision-making. He joined the National Guard in 1997, attended college, and then moved to Nashville a few years later while on Individual Ready Reserve status. § 09:45: Despite the exposure from "Nashville Star," David still struggled to secure a record deal and faced challenges in promoting his single in 2011. He spent the next few years trying to make ends meet in the music industry. § 10:39: David talks about owning five albums, assets, and intellectual properties (IP). He mentions owning his own publishing and the masters of his recordings. He emphasizes the value of his IP and the importance of making the right decisions regarding it. § 14:31: The conversation shifts to David's musical influences, ranging from Metallica to R&B and country music. He mentions being influenced by Garth Brooks and the emergence of country music in the late '80s and early '90s. § 15:29: David reflects on his wide-ranging musical interests and mentions enjoying singing songs by artists like Chris Stapleton, Metallica, and even Britney Spears. § 16:39: The conversation continues with David talking about his talent show experiences in school and how he gained popularity among his peers, particularly the girls. He mentions being in choir and playing outside in school, attracting attention and friendships. § 18:39: David discusses his mindset regarding retirement and financial preparation. He mentions owning DSR Entertainment, his music company, and how his non profit organization allows him to retain his publishing and intellectual property rights. While he acknowledges the need for retirement preparation, he is focused on continuing his music career for the next 20 years. § 20:53: David shares his plans for writing a book based on his life story called "Hole in Me." He explains that the book will address his personal experiences, including childhood trauma, and serve as a tool for sharing his story and building his speaking career. § 24:44: David talks about another influential person, Randy Owen from Alabama, who was a judge on Nashville Star and had a connection to Speaker 4's wife's family. § 28:20: David discusses the impact of the COVID-19 pandemic on his music career and the support he received from unexpected sources. Three Key Points 1. David talks about writing a positive song called "Papaw's Hat" with one of his board members, reframing experiences to create a more positive outcome. 2. David shares a powerful story about writing a song with a homeless veteran in a shelter. The song brought the veteran a sense of resolve and healing, which had a profound impact on him. 3. David mentions two significant mentors in his life: his father and Dan Tyler, who has been his mentor in the music industry since the beginning of his career. He credits Dan for his guidance and involvement in his music journey, including writing songs and publishing. Tweetable Quotes § "From a young age, I knew that music was my passion. It has been a journey filled with memorable performances." - David § "During the pandemic, I received support from unexpected sources, reminding me to stay faithful." - David § "I had to make the difficult decision to stop playing gigs, but each time I pray about it, the Lord delivers." - David § "Grateful for the support and love of my wife and children. They inspire and motivate me every day." - David Resources Mentioned · runwaydecade.com · https://davidstromain.com/

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We Hear From the Younger Voices

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Play Episode Listen Later Jul 10, 2023 21:42

The podcast "Inside the Plan with the 401K Brothers" is hosted by Bill and Andy Bush. In this particular episode, they have invited special guests who are young individuals in their early and mid-twenties: Robert Burke, Kaitlyn Williamson, and Savannah Henry. The hosts believe it's important to discuss retirement savings with younger generations and bring fresh perspectives to the topic. They acknowledge that people may be tired of hearing from older individuals like themselves and believe it's valuable to hear from younger voices. Episode Highlights § 01:38: The hosts ask the guests, particularly Robert, about their thoughts and perceptions on saving for retirement, considering they are just starting their careers. § 02:13: Robert, who has been working for almost two years, shares that he has noticed a lack of financial literacy among his generation. § 02:33: Robert mentions that while TikTok can be a source of both good and bad information, he believes that being in a place like Horizon provides him with reliable education and guidance on the right way to save for retirement. § 03:57: The lack of financial literacy can lead young people to believe they are making the right decisions when, in reality, they may be making mistakes. § 04:32: The hosts mention a personal anecdote about their own experiences with retirement savings early in their careers. § 05:47: The specific investment choices within the plan are not as critical as the savings rate itself. § 06:40: The guest emphasizes the importance of at least contributing enough to receive the employer match in a 401(K) plan. § 07:58: Savannah shares her experience of having two previous jobs, where she simply checked the box and contributed a certain percentage to the retirement plan without much thought or awareness. § 09:00: Savannah shares that her dad played a significant role in emphasizing the importance of maximizing her contributions. She acknowledges the lack of financial education in high school and college but expresses gratitude for her father's guidance, even though, at times she felt overwhelmed by the advice. § 09:59: Bill and Andy discuss the importance of budgeting and how it can be a challenging adjustment for someone entering the workforce. § 11:30: The guest mentions the shift in mindset from wanting unnecessary things to prioritizing essential expenses such as car insurance and gas. Bill and Andy highlight the importance of discerning between wants and needs and making conscious spending decisions. § 13:11: Kaitlyn discusses the use of technology in personal finance, mentioning the use of budgeting sheets and saving money. § 13:15: Kaitlyn highlighted the importance of retirement plans and the value of having a financial advisor to guide one's financial decisions and ensure money is allocated appropriately. § 16:32: Kaitlyn mentioned that she has heard conflicting opinions about whether to take risks when young or avoid them until later in life. § 17:26: Kaitlyn mentioned that her parents have been supportive and helped cover many of her expenses, so the idea of being responsible for rent, phone bills, insurance, car payments, and other costs is daunting. § 20:22: Andy and Bill encouraged young professionals to be curious, ask questions, and seek out resources to improve their financial literacy. Three Key Points 1. Adopting a passive investment philosophy, rather than an active approach, tends to work better because paying too much attention to the market can lead to more losses than gains. 2. Bill and Andy discuss the challenges and responsibilities that come with entering adulthood, such as managing bills, rent, insurance, and retirement plans. 3. Andy and Bill emphasized that it's okay to admit when one doesn't understand something and that asking questions is crucial in the learning process. Tweetable Quotes § "Financial education is not commonly taught in high school or college. Working in the industry has changed his perspective on the importance of starting to save for retirement at an early age." - Robert § "Creating positive financial habits now will benefit your future self." - Robert § "Financial literacy is not just taught in school, it's a lifelong pursuit. Be proactive in improving your knowledge." - Savannah § "Your financial journey begins with saving and budgeting. Take control of your expenses and prioritize your goals." - Kaitlyn § "Embrace curiosity, learn about investments, and make informed decisions for your financial future." - Bill § "Consult with a qualified financial professional for personalized advice tailored to your unique circumstances." - Andy

Always in Action

Play Episode Listen Later Jun 14, 2023 55:27

On today's episode of the "The Runway Decade Podcast," hosts Bill Bush and Pete Bush, advisors at Horizon Financial Group are going to talk to Ray Castle, who has had one retirement already and is currently on the runway. They mention that Ray is known in the medical training world and has a diverse background that they were not aware of. Pete and Bill express their excitement about getting to know Ray's story better and believe that the listeners will enjoy it as well. Episode Highlights · 01:52: Ray Castle mentions that in addition to the revitalization of his hometown, there have been new restaurants opening up. He expresses his admiration for these restaurants, saying that they rival most restaurants in town. · 02:38: Ray mentions that he learned to drive at a young age and had some mishaps with tractors, including running into trees. He also shares that his father had a heart attack when he was 49, which influenced their decision to go into the cattle business in the late 70s. · 03.12: Despite the challenges, Ray stayed in the farming business for about six years. Pete and Bush relate to Ray's farming background, mentioning that their own family was involved in farming tobacco, corn and raising animals like pigs. · 04:03: As a child, Ray Castle explains that he would mostly engage in activities on the farm. Ray mentions how his older brother and younger sister were simply immersed in farm life and its various tasks. · 05.12: Ray Castle mentions that he attended Tensas Academy, a small private school, for his high school education. After high school, he came to LSU (Louisiana State University). · 05:27: Ray confirms that he has always been interested in sports and participated in multiple sports during high school. However, he never initially realized that he wanted to pursue a career in healthcare. · 05:48: Ray Castle explains that his parents never pressured him to choose a specific career path, but instead emphasized the importance of going to school and taking things step by step. They provided encouragement even when he was struggling academically or making mistakes. · 06:53: Ray Castle shares his experience at LSU, where he initially pursued a major in geology but eventually realized that it wasn't the right fit for him. · 08.42: Ray reflects on his interest in sports and decides to pursue a degree in kinesiology. He mentions considering a Med technology degree but ultimately opts for kinesiology, realizing that he can excel if he puts in the effort to balance work and study. · 10.50: Ray Castle talks about a moment when he realized he needed to be more prepared for his kinesiology class. · 12:32: Ray Castle talks about his experience as a student trainer at LSU. He mentions staying in Broussard Hall and working from 12:30 to 1, assisting the team. He mentions that the women's track team won their first back-to-back championships in Eugene, Oregon. · 14:45: Ray Castle reflects on his experience working with different sports teams at LSU. He mentions the unique family atmosphere within athletics and how it felt to be part of that community. · 15:24: Ray mentions working alongside Tammy Bianco, who was an athletic training student at the time. Ray describes the long to-do lists and tasks he had to complete, including budgeting, inventory management, and working during the summer. He notes that the current system has changed significantly compared to his time working with the teams. · 17:40: Ray acknowledges the opportunity to work with great people throughout their 20-year tenure, and they mention that they retired in August. · 19.07: Ray emphasizes the importance of having a solid foundation to build a successful career and personal life. · 22:51: Ray talks about their experience working with various sports, including Olympic cycles. Pete and Bill mention working with Kathy Osborne and John Purdy, who worked at the Olympics. Kathy worked with USA women's basketball in Barcelona in 1992, and John worked at the Lillehammer Winter Olympics in 1993. · 23:49: Ray shares how they have been involved in covering marathons and traveling to different locations for their work. · 26:18: Ray describes their experience at a marathon where they were stationed at the medical tent. Ray then mentions being about 30-40 yards away from the first bomb site during the Boston Marathon bombing incident. They reflect on how, despite being taught not to take action in such situations, they found themselves instinctively responding and helping people in need. · 29:33 Ray talks about the challenging transition to retirement and the painful process of leaving their previous career. · 34:50: Bill mentions wearing an Apple Watch and the availability of data for monitoring human performance. Ray who is involved in the medical side of athlete training, talks about the changes and advancements in the field over the past 15 to 20 years. · 36:51: Ray emphasizes the importance of exercise and mentions their personal experience with open heart surgery. · 39:48: Ray discusses the importance of being aware of one's family history of cardiac events and how it can increase the risk of experiencing similar issues. · 45:02: Pete, Bill and Ray expresses their appreciation for their partner, emphasizing the importance of enjoying each other's company and expressing love and affection every day. · 49:02: Ray talks about his favourite music band. He also shares that their first pet was a Catahoula card Mix named Diamond, who had a small diamond-shaped marking on his forehead. · 52:01: Ray shares about their best vacation, which took place in the Bahamas on an island called Spanish Wells. · 54:02: Ray talks about their website, www.actionmed.co, where they offer services such as emergency care workshops, first aid and CPR certification training, and consulting in the field of emergency medicine. Three Key Points 1. Ray Castle shares how timing of their transition into the cattle business was good because the farming industry was changing and it was difficult to sustain a small farming business during that time, particularly in the late 70s. 2. Ray talks about the coaches he worked with, including Pat Henry, Lauren Seagrave, and Dan Path, and how he learned a lot from them in terms of technical skills and understanding the body. 3. Bill, Pete and Ray discuss technology and hybrid learning, while pointing that younger generations learn faster than they did. Tweetable Quotes · "I remember when I was 8th or 9th grade, my dad came home, and my parents never pushed me in one direction." – Ray Castle · "I am a firm believer that careers find you. You don't find them." - Ray Castle · "It was a lot of that was an incredible experience just to work with folks and see that beforehand and I left the day before all the craziness." - Ray Castle · "Just working on very simple things to be healthy doesn't take a lot to do that." - Ray Castle Resources Mentioned · runwaydecade.com · https://www.actionmed.co/

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The Distribution Phase

Play Episode Listen Later Jun 1, 2023 18:53

On today's episode of the "Inside the Plan with the 401(k) Brothers", host Bill Bush and Andy Bush, advisors at Horizon Financial Group, will talk about the distribution phase of retirement. They talk about the 4% rule, i.e., the withdrawal rate that suggests you wouldn't outlive your funds once you retire. Episode Highlights · 02:05: Bill and Andy talk about popularly known withdrawal rate strategies with different asset allocations and looked back at historic returns and came up with the idea that if you started your first year of retirement withdrawing 4% in most models your savings would last 50 years or more. · 02:35: You can't take a percent to the grocery store, so you got to do some of the math to say, well, if I had $100,000, what's 4% of that. · 03:48: Bill and Andy discuss about the rate of inflation. They suggest if you had a 2% inflation, you just add that on from the 4% you started within year 2. · 04:30: If there happens to be deflation, you could back out the 2%. · 05:20: There was a sweet spot in the percentage of stocks and bonds. So that sweet spot tended to be kind of a 60-40 portfolio. · 06:04: If you had a million dollars, 20% is $200,000 and if you saw your portfolio go from $1,000,000 down to 800,000 and you were entering retirement, it would be very uncomfortable. · 07:25: That is what folks have to get their arms around entering into retirement, they need to understand there is the day you retire, or you are not taking all the chips off the table and moving everything into the safest instrument. · 07:48: If you retire at 65 and you are married, there is a 50 % percent chance that one of you lives to 90 and that's a decent chance. · 09:30: Bill and Andy talk about cash build-up that is available to get you through some of the tough times without having to tap into some of the equities while they have been depressed. · 10:35: In 2022, you had the stock market and the bond market both down double digits and you also had inflation raging. So, if you were retiring in 2022 and that was your first year of retirement, not only were your assets declining, but you also had to if you factor in the inflation part, you know your dollar didn't go as far. · 11:46: While the market did its horrible thing in the late 1920s and early 30s. It eventually would catch up, looking back historically, but the inflation side was a big wallop in the 70s. · 12:17: Bill explains how inflation is the silent killer. If you don't plan and prepare for It can just destroy your savings. · 13:47: If you are born after 1960, your RMD is now 75. So, if you are retiring in your 60s, mid 60s and you start drawing money from your savings, you are going to be whittling down that balance before 75. · 14:41: What it comes down to the government you were putting money in pretax all this time and it grew tax deferred all this time, and they want to make sure that the taxable revenue is coming back. · 15:38: What is inflation going to do? What is the market going to do in the next 30 years? When is the last day you are going to be on the planet? Three Key Points 1. Bill and Andy explain how you really must save a good amount of money if you utilize the 4% rule. 2. Bill and Andy share how using the 4% rule, those that retired in or around 1929, their portfolio still survived the full 50 years. 3. The purpose of this episode is to get you thinking about eventually, you are going to be pulling dollars out, and you got to get intentional about that. Tweetable Quotes · "In retirement, you won't be earning anymore, but you need some source to be able to pay for lights and gas and food and all the other things that you pay spend money on." – Bill · "Even as a non-retired person, when I've seen My Portfolio go down like, hey man, this stinks, you know, and you start to go through the emotions, and you start to have the thoughts of maybe I am doing something wrong. Even as a financial advisor, it is great if you put some perspective on it." - Andy · "Market can fluctuate from time to time, but over long periods of time, there is an average annual return." - Bill Resources Mentioned abush@horizonfg.com bbush@horizonfg.com · Horizon Financial Group

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Paging Dr. Davis!

Play Episode Listen Later May 24, 2023 31:57

In today's episode of the "The Runway Decade Podcast," hosts Bill Bush and Pete Bush, advisors at Horizon Financial Group talk to Dr. Mike Davis; who is with CVT Surgical Center in Baton Rouge. He is a vascular surgeon. Dr. Davis talks about his craft, how he got into medicine, as well as his life in his 50s. Episode Highlights · 02:44: Mike talks about his childhood and from where he completed his education. He shares how he completed his general surgery and vascular training. · 03:42: Mike reveals what happened that motivated him to gravitate towards the medical world. · 05:39: Mike shares how is it being growing up a Bama fan, but now living in Baton Rouge · 06:04: Back then if you got a magnifying glass down in one corner way down below somewhere, you would find the SEC scores, but absolutely nothing is written about it. · 08:31: Pete has heard a lot of stories because people in the age group of 50 have started to have grandkids and they have a some of them name it and that's what sticks. · 09:57: Dr. Mike is a classically trained vascular surgeon specializes in the treatment of peripheral vascular Disease…he's Board certified. · 10:52: The patient population shifted a little bit is what we refer to as either critical anesthesia or limb salvage. · 11:03: There is a very large population of diabetics in town. That circulation drops to a point where it can become dangerous, and so Dr. Mike says that they have really embraced that and have treatments they are very proud of. What they do as far as saving rooms and preventing amputations, and it's been very successful. · 13:27: Some people can die from some certain unexplained and not get an autopsy, and it just be written off as a heart attack. · 14:54: Because of the complexity, medical management, wound care, imaging, all of this stuff is electrical to provide the kind of the whole care package for someone who may have or does have vascular disease. · 16:17: Mike says that they feel that they do so much imaging and there are so much decision making made on the basis of those images that it has to be good. · 17:41: Mike talks about his training and how they were trained with many different staff guys. There were times, particularly at night, when they would be in a situation to go do something as long as it was relatively minor, and the staff guy was comfortable that they could do it. · 20:56: Bill shares how at a certain age he wasn't really thinking about retirement, but what he was trying to envision what if something happened to him. · 22:22: As per Mike being on call is kind of getting a little old as he aged, but he really loves what he does, and he could foresee himself doing it for a long time as a God willing. Three Key Points 1. Mike shares how they manage a lot of things medically. How they have embraced technology. What used to require open surgery and incisions is now done with the needle and a catheter. 2. Mike shares some of the things that somebody should be on the lookout for early detection. 3. There are multiple risk factors that are out there that place you at risk for vascular disease essentially the same as what places you for coronary disease. It's the same disease but affects different vascular beds. Tweetable Quotes · "I was about 8 years old when I decided I was going to be a doctor." - Mike · "In Minnesota, when we are there, if you wanted the sports scores from the SEC. You were kind of out of luck, but you could get the local paper or the Minneapolis paper." – Mike · "When we finally got to Baton Rouge, we were so excited to be back in to where we could watch SEC Sports." - Mike · "In our practice we have 5 board certified, specially trained vascular docs." – Mike · "I did five years of general surgery training, became a board-certified general surgeon before I could go on to my vascular training." - Mike Resources Mentioned · CVT Surgical Center www.runwaydecade.com

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We're Our Own Guests-Pt. 2

Play Episode Listen Later May 8, 2023 27:22

In today's episode of the "The Runway Decade Podcast," hosts Bill Bush and Pete Bush, advisors at Horizon Financial Group, are going to talk to each other. This is the part of the series where they tell more of their story. Episode Highlights · 00:49: Pete had no idea when he came out of LSU playing baseball that he'd be in this business. He met a guy in the investment business, and he talked about coming to work for him, and around 1991, that was his entrance into this financial services career. · 02:11: People always ask Pete, why did you get into financial service or why did you choose this as your profession and the truth is when you're young, you don't really know where to go and what to select. · 05:02: Year 1999 was inflection point in Pete's life, because he got married early that year, then they broke off, started Horizon business, signed a contract to build the original office building across the parking lot from where they are now and converted the business model from commission based prior to a fee-based model going forward and doing financial planning and fee-based asset management. · 09:25: Once your child learns how to drive and then begins doing their own things, then pretty soon it's like we are going to start looking at colleges and next things, and it continues rapidly, says Bill. · 10:26: When we sat and met the first time, it really kind of pushed us out of our comfort zone a little bit because it was like financial advisors are known to be boring and stale and stoic, says Pete. · 11:37: When we met first in Opelousas we worked on a couple of projects…then in the meantime you guys' side said, what would you think about coming over and working for us some more, maybe on a permanent basis… and I was like, I am kind of in a good position, says Bill. · 15:42: Pete always wants to stay connected to Horizon firm in some fashion because he doesn't consider himself a retirement guy. · 19:40: Just coming off the pandemic, people were a little more unsure about everything in general. And we came up with the idea for The Runway Decade…a book with the ideal age of 50-65.There is something about life in your 50s that resonates. · 21:02: Pete recalls the first time he got paid any money was in the summer when they helped their dad build swimming pools, so the first pay check was working alongside Bill. · 22:07: Earliest baseball memory that Pete remembers was playing with Bill, Joe, and Dad out at Thompson Lane and that love affair with baseball continues to this day. · 24:02: Pete used to say the best money he ever spent was building the pool for his little ones at his house because when they were little, he wanted to have a house where their friends would come to their house, and instead of the kids went to somebody else's house. Three Key Points 1. Pete says that coming initially into the financial businesses and getting the licenses was the best path for Bill because then you could be an advisor. We need support on the 401K and wealth management advisors that would give you a better insight into the creative side. 2. Pete always says, if you don't cut off the miracle of the compounding growth and you just keep trying to improve and get better and learn more and up your capabilities, the compounding effect works for you. 3. Pete wants to stay in a place where he continually adds value, and this is one thing that gives him comfort knowing that he is adding value to somebody, and that is something he doesn't ever want to retire from. Tweetable Quotes · "I fell in love with helping people, and that's what made me stay for almost 32 years in the business, and I still get that same dopamine button pushed when we're helping people." – Pete · "It's great to see our children kind of gravitate towards their interest and do their things." – Bill · "You have three kids, and we can see a little piece of you in all of them like your son Taylor, and Jacob got a lot of athleticism." – Bill Resources Mentioned · runwaydecade.com · Podcast Editing

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Meet Our New Team Member!

Becker Group C-Suite Reports Business of Private Equity

Play Episode Listen Later May 1, 2023 17:18

In today's episode of the "Inside the Plan with the 401(k) Brothers", host Bill Bush and Andy Bush, advisors at Horizon Financial Group are going to introduce the newest member of the Horizon retirement plans, John Lensing.. Episode Highlights · 01:22: Bill says that they wanted to make sure that everyone gets an advisor to speak to and that they service their plans very well. · 01:58: John shares how long he has been in the retirement plan space. · 03:12: John will be picking up anything that needs to be done around here, from doing the benchmarking services to speaking to participants about their most straightforward financial issues and how people can be financially secure. · 04:36: John has interacted with a lot of participants. He probably understands whatever story or situation you may be in. He will have the knowledge to help guide you through that. · 05:28: As per Bill, one of the things they pointed out on this podcast is that for many employees, the 401K advisor may be the only advisor they have immediate access to or even know personally. · 06:18: What we talked about with one of our bigger plans was becoming financially secure, says Bill. · 06:56: 66% of Americans believe open conversations about money are keys to financial freedom, 62% keep their lips shut when it comes to talking about their finances, and the silence extends to family 63%, friends 75% and even their spot, even their spouse or partner, 46%. Bill talked about becoming financially secure the other day, one of the things we talked about is kind of the psychology and mindset behind that. · 08:15: You can't go back and change the past. But from this day forward, you can change what the future outcome might be. · 09:57: John found himself doing an internship and graduated college and was offered a position similar to how they are going to talk about finances. · 10:40: When it comes to retirement savers, you see that those that are willing to have those conversations tend to have higher participation rates and savings rates. · 11:44: When you are talking about professionals who are professional advisors on the financial side, Bill's job is not to steer you in a bad direction. · 13:41: If you are in a position of being financially insecure, you need to establish a belief in yourself. · 14:31: As per John, Andy certainly has a mindset about momentum and momentum and financial security and insecurity for most of us, we can't sit on the sidelines. Three Key Points 1. John shares his views about retirement plans and what he likes about it. 2. John shares what attracted him to the retirement planning industry and why he sought this field. 3. In some workplaces having a little chatter about money might be good, but it might also lead you to a bad decision in the sense of making a bad investment. Tweetable Quotes · "People want to have a conversation; they need some perspective, and they need their emotions calmed a little bit." - Bill · "This is an opportunity for me to get to know some new people but bring some old stories." - John · "I might need some help and assistance, whether it's just understanding and learning about what you possibly could do in the future." - Bill Resources Mentioned · Horizon Financial Group · Podcast Editing · jlensing@horizonfg.com · bbush@horizonfg.com · abush@horizonfg.com

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First Republic Bank Strikes Out: Three Key Points 4-26-23

Play Episode Listen Later Apr 26, 2023 1:32

In this episode, Scott discusses 3 points on First Republic Bank.

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First Republic Bank Strikes Out: Three Key Points 4-26-23

Becker Group Business Strategy 15 Minute Podcast

Play Episode Listen Later Apr 26, 2023 1:32

In this episode, Scott discusses 3 points on First Republic Bank.

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We're Our Own Guests-Pt. 1

Play Episode Listen Later Apr 18, 2023 23:58

In today's episode of the "The Runway Decade Podcast," hosts Bill Bush and Pete Bush, advisors at Horizon Financial Group, are going to talk to each other. For this episode, Bill and Pete thought it would be great for them to tell more of their story. Episode Highlights · 02:56: Pete was five years when then moved across the river, down across the Ohio River, down on the Indiana side, into a little farm town called Elizabeth IN. · 03:35: It was a 40 acre farm, Pete and his family were living on, and it was kind of nestled up on a hill. · 04:49 Pete says that they were five boys and a girl, so there was always a sporting event going on of some kind around their home. · 05:49: The town we lived in was Elizabeth, Indiana, although they were not living in town, and it was a four-way stop at the grade school up the hill. · 06:25: It was such a devastating blow to the economy when the Bush family moved to Louisiana because it was like 8% of the economy left, says Bill (haha!). · 07:25: Growing tobacco, growing a lot of corn growing crops in general takes a lot of discipline and time and work. · 08:46: Pete and Bill were into baseball and they loved playing the game. · 09:45: It wasn't very profitable to be a small-time farmer. You have crops that used to be able to turn a profit on when that was very expensive to plant, grow, harvest and then livestock same way right, meaning the market turned against some of the stuff that Dad was doing at the time to make ancillary money. · 11:52: Bill and Pete talk about their high school and how they shifted school. · 12:28: Bill and Pete talk about their childhood and growing up in the country side. · 14:28: Pete shares how he played baseball and what he learned from it. · 16:03: Bill talks about a time when they were stuck in a snowstorm and how they were airlifted. · 19:10: Bill and Pete talk about their college experience and how they met some wonderful people. · 20:39: Bill made a 13-year career as a broadcaster, working in Lafayette and Alexandria, LA and doing shows for Northwestern St .(LA) in Natchitoches.. Three Key Points 1. Bill and Pete talk about their family history and where they come from. 2. Bill shares his experience of moving homes and the weird thing that happened when they shifted to Baton Rouge 3. Bill talks about an experience when he appeared on the news. Tweetable Quotes · "If you have six kids and six years because you know you got to get some sleep and there may or may not be the ability to control the noise level when you're a kid, especially a bunch of us running around at one time." – Pete · "The population was a very rural community farming community, and the population was very small, but it wasn't more than 100 or 200 people." - Pete · "Good blue-collar guys just loved to play, and they actually love to play together, and a lot of that carried over even in college." - Pete Resources Mentioned · runwaydecade.com

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Spring Has Sprung

Play Episode Listen Later Apr 12, 2023 20:32

In today's episode of the "Inside the Plan with the 401(k) Brothers", host Bill Bush and Andy Bush, advisors at Horizon Financial Group talk about their recent trip to San Diego for the National Association of Plan Advisors Summit, and share some stats from one of the presentations. Episode Highlights · 01:19: Spring has sprung and are folks looking forward to the summer and hopefully an improved economic climate. · 01:32: One of the presentations that they did see at NAPA was, what is the American worker thinking right now and experiencing as you overlap that onto what's going on in the economy, especially as inflation hits everyone. · 02:09: When you kind of look at across the board, there is a greater portion of folks that feel like their financial independence is in jeopardy. · 03:13: There have been plenty of surveys and studies that have shown that the more financially stressed workers are the less productive they are. · 04:08: If you have debt that was introduced to you last year when rates were rising. You know it's a higher interest rate and so getting rid of that as soon as you possibly would be great. · 06:06: Inflation of expenses is going up and some people realize, I may as well just earn the dollars to pay my bills rather than pulling them out of my retirement savings. · 06:50: 65% of the folks that were surveyed said they would rather have a concrete plan to know how to spend their later years, so that they could know not only the monies they would spend, but how they are spending their time and energies. · 08:20: Bill and Andy discuss how people realized there was some benefit to staying at the job instead of going and chasing after something else. · 09:39: Bill and Andy always like to remind folks to use the tools you have available inside your plan, be surprised at how many folks don't even set up an online access username and password and maybe don't even check their balance or kind of where their holdings are. · 10:46: Bill and Andy have a whole series on how different generations look at finances. · 11:29: Some people have family relationships or social relationships that are strained. Bill and Andy discuss how mental health affects financial health. · 14:18: Bill and Andy talk about the importance of financial planning and why one should hire a financial advisor. · 16:40: Andy doesn't want to feel strapped or stretched or stressed from finances. · 17:24: If you have a 401K plan at your work, and you are not getting the education you feel like you deserve or need, reach out to the plan sponsor or providers and ask for it. Three Key Points 1. Bill and Andy talk about retirement savings and the importance of it. 2. Bill and Andy discuss how millennials are managing their own finance. 3. 90% of workers indicated that their employer should be involved in retirement education. Tweetable Quotes · "Folks tend to be a little less confident about their independence, their financial independence or their retirement." - Bill · "Concentrate on the things we can control rather than those items out there that we cannot control." – Bill · "The current climate we are in has certainly really made folks have to be intentional, about their financial lives, whether they wanted to or not because prices go up." - Bill Resources Mentioned · Horizon Financial Group

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The Intersection of Health and Wealth

Play Episode Listen Later Apr 5, 2023 42:27

In today's episode of the "The Runway Decade Podcast," hosts Bill Bush and Pete Bush, advisors at Horizon Financial Group are talking to Dr. Curtis Chastain. He runs the Our Lady of the Lake Executive Wellness Program, the Men's Health Program there. Bill and Pete have appeared with him at some events. Dr. Chastain is very entrepreneurial for a person in medical practice, and he has an interesting side gig. Episode Highlights · 02:57: As per Pete, if you have your health, you have friends, and you have enough money to sustain basic living and or to live as you want, then that's the trifecta. · 04:01: It's heart disease and cancer that could disrupt the best financial plan that you two guys could put on paper, says Curtis. · 04:27: Bill shared a story in the book and in chapter four of the runway decade that Pete and Bush call the Curtis Chastain chapter. · 05:18: There is so much reluctance for guys to go to the doctor for a couple of reasons. One, the traditional business model of medicine, is not designed for the busy guy. The other thing is that men are scared to be vulnerable. · 06:43: When Bill turned 50, he started feeling what he thought were innocuous symptoms. He was in the process of moving and in that process started getting some arm pain on the right side, which is kind of a typical understanding when it comes to heart problems. But he didn't want to believe that it was anything. · 09:04: As per Curtis, don't overlook for symptoms; the symptoms that pop up are just the result of somebody not going and looking for it necessarily. · 12:00: Thyroid cancer, pancreatic cancer, kidney cancer and oesophageal cancer are the cancers that typically don't declare themselves until it's too late, until they have done something. · 13:09: At lab work or looking at what determines whether they have got coronary disease or cancer, we've got to go look at data, says Curtis. · 14:48: It is in your 50s, and things are going to start rearing their ugly head. · 16:01: High blood pressure is associated with a lot of bad things, not the least of which are stroke, heart attacks, and atrial fibrillation. · 17:18: Curtis was raised in the public school system, but later enrolled in Catholic High-BR · 21:04: Curtis explains how he got tapped to become president of the early the Lake Physician group, which at that time had about 100 physicians in it. · 23:05: Curtis talks about the membership program and how patients can benefit from it. · 25:09: Curtis talks about the various advancement of medical practice. · 25:18: Bypass surgeons had to find other things to do because over the past three decades Statin drugs have made a huge dent in the world of cardiovascular disease and again finding those people that were supposed to have the bypass or the heart attack were finding them early and never letting it happen. So statins have been great. · 29:02: Curtis has been thinking about the word retirement since he was probably about 50. · 29:53: You could continue doing what you are doing in a smaller amount and let other things come more bigger in your life. · 32:01: Pete has watched many people cross over into what the world calls retirement and some do it pretty well and some struggle with it to find their purpose after they are not working. · 35:03: The first album that Curtis bought was "Three Dog Night: Golden Biscuits." · 39:33: Curtis talks about the first time that he installed a car stereo. Three Key Points 1. Curtis talks about the various reasons that hinder a man from going to the hospital. 2. Curtis shares his thoughts when he hears the word retirement. 3. Curtis talks about the medical advancements in the healthcare sector. Tweetable Quotes · "In case of pancreatic cancer, your eyes turn yellow in case of kidney cancer, you start urinating blood." - Doctor Curtis Chastain · "You can no longer look at anybody and tell their health status than the man on the moon. You got to go through the process." - Doctor Curtis Chastain · "You always have the question of do you choose your profession or does your profession choose you …that might have chosen you back long ago." – Pete · "I just want to keep seeing my patients every day, enjoying learning from them every single day and making a difference." - Doctor Curtis Chastain · "You retire to something, and you always have this balance of being happy with where you were." - Pete Resources Mentioned · runwaydecade.com · OLOL Executive Wellness Program

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Lights, Camera...Action!

Play Episode Listen Later Mar 20, 2023 54:24

In today's episode of the "The Runway Decade Podcast," hosts Bill Bush and Pete Bush, advisors at Horizon Financial Group talk with Michael Papajohn, a former LSU baseball player who over the last 36 years has appeared in numerous Hollywood productions. He talks about his wonderful journey as a stuntman and actor. Episode Highlights · 01:18: Bill and Pete talk about their upcoming book signing event. · 01:48: If people want to bring the book they already bought or buy one there and have them sign it, there will be food and drink and it will be awesome. · 04:30: Bill and Pete talk about the foundation teams during the 80's. · 05:07: Michael, grew up in Alabama and then he went to the State Hills High School, played for Sandy. · 08.43: Michael shares how he got chances in a movie production house. · 10:58: Michael talks about the fledgling broadcast career. · 13:13: Whatever you decide to do, if you focus, get great mentors and coaching and look for the best and do what you did at LSU be a team player, give 110%. · 15:23: Michael started out as a stunt double and later he is batting against Kevin Costner as Sam Tuttle. · 17:42: Michael talks about the big franchise and stars that he has worked with. · 21:08: Technical advisors are so important now because if you don't buy the home run, if you don't buy the Hollywood catch, then you don't buy the movie. · 22:14: Most movies aren't shot in California; they are shot in tax incentive states. · 22:23: Michael shares how production houses save money by filming outside New York and hiring local actors. · 25:46: Michael talks how important relationship building is and how it has helped him in California because it is so competitive. · 28:33: Michael gives detail insights of his work and how no one took more football hits than him in Hollywood. · 30:13: Michael speaks about his most memorable on-screen line. · 34:24: Everybody thinks when they graduate, they will go to California or New York, and they forget what they have in Louisiana, says Michael. · 37:05: Michael shares how his dad was always healthy and always in the supplementation and always talked to them about what they ate at the table. · 39:43: Michael shares how he watches actors get older and their life and how they come out in different ways and performances. · 42:40: Michael has heard things are going to pick up in Louisiana after the first quarter, but that is part of the business. · 44:16: Michael advises getting on a movie set even as an extra or production assistant. You are not going to get paid a lot of money, but a lot of times if you are a production assistant, you get to see the departments and how they work and going. · 49:29: Michael shares what his first baseball memory was. Three Key Points 1. Michael talks about the fateful event that launched him into the movie business. 2. Michael talks about his wonderful journey as a stunt man and actor and how he has worked in some of the big franchises. 3. Michael shares details of productions happening in Baton Rouge and surrounding area. Tweetable Quotes · "Let's think of the talent that enjoyed playing together…guys that are still great friends to this day, know that they still spend as much time off the field together as we did." – Pete · "I played basketball up until my freshman year in high school, but I narrowed it down to football and baseball and I always just felt like I could go farther with baseball." – Michael · "I was just a daredevil type of guy that just like to catch and run ..shocker… and LSU football actually talked to me about coming out and being a part of LSU football and returning kicks and punts." - Michael · "I just remember being 22 hustling that extra job on Baywatch and what I was doing right is I was playing stuntman softball and I was meeting a lot of people really fast that knew I was athletic, and I wasn't a jerk and that really helped me a lot and the industry." - Michael · "If I die in between action and cut, then I am living my life the way I want to." - Michael Resources Mentioned: https://michaelpapajohn.com/ Michael Papajohn IMDB · runwaydecade.com

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Living Longer, Living Better

Play Episode Listen Later Mar 3, 2023 17:16

In today's episode of the "Inside the Plan with the 401(k) Brothers", host Bill Bush and Andy Bush, advisors at Horizon Financial Group are going to talk about the concepts of living long and prospering. They discuss about the importance of saving and proper planning for your retirement. Episode Highlights · 02.38: It is very hard to visualize what aging has, what the effect of aging is on our bodies as we go forward. · 04.18: How you behave is much more important than having a finance degree or the things that you exercise to actually get ahead financially. · 05.18: People often overlook when they take their social security and make it sure it's going to be around for a while or look at other guaranteed income sources to make sure that they have monies available to them. · 06.43: Things are constantly changing in terms of the rules and regulations around RMD's and then of course, there is the social security thing to get around about when you are going to file strategically. · 08.16: Planning retirement is for those whom you love, you should go through some planning to plan forward as if, hey, we are going to be around. · 10.15: When we talk to plan participants in their 401K plans and other retirement plans, we often say hey, make sure you use the tools that you have available. · 11.11: Andy talks about a book by Arthur Brooks. It is about making that transition from kind of the prime of your career to becoming going into where your faculties become less bright. · 14.35: Andy and Bill talk about goal setting and how important it is. Three Key Points 1. Bill and Andy talk about the importance of retirement planning and how important it is. 2. Bill and Andy discuss the importance of social aspects and communion with someone else and how important that is. 3. The importance of health is being healthy and being financially healthy. Tweetable Quotes · "If we behave well, we will probably be more healthy in retirement not maybe not more healthy than we are now but healthier than we would be if we made bad decisions." – Andy · "I tell folks in retirement plans often, which is right now, you are earning your dollars to pay for the food on the table, the gas in the car, the insurance, and all the other things that you need. There is a time in the future where you will either no longer be able to work, or you no longer will want to work, and you are still going to have to put food on the table." - Bill · "I think it is important when you kind of look at longevity is to not underestimate it because you do have to plan that your dollars need to stretch probably longer than you think." - Andy

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Author, Speaker...Tiger!

Play Episode Listen Later Mar 3, 2023 35:25

In today's episode of the "The Runway Decade Podcast," hosts Bill Bush and Pete Bush, advisors at Horizon Financial Group are chatting with Paul Hood. He is going to talk about trust, estates, and wills. He is also going to talk about business valuations for those owners. Episode Highlights · 04.31: Paul is a Louisiana guy, despite being in Ohio right now he grew up in Alexandria, LA. He talks about the early days and his experience of growing up in Alexandria, right in the middle of the state. · 05.33: The thing that Paul noticed as a kid listening to the rainy day show on KALB, the mighty 580AM every morning was that they developed this growing up and antipathy toward New Orleans. · 07.41: Paul is in the process of endowing $1000 a year student writing award at his alma mater high school, Holy Savior Menard Central High School in Alexandria and the scholarship will be awarded on Friday, April 28th at a school assembly and he will give a speech to the students. · 09.29: Paul doesn't view what he has literally done since Hurricane Katrina as work. He has written nine books, published hundreds of articles. He has done 96-90-minute webinars on estate and tax and charitable planning. He doesn't view all this as work which is why he doesn't ever see himself stopping. · 12.05: Paul shares how things changed for him when Katrina made its third and final landfall on August 29th, 2005. · 14.04: Paul discusses the things that are important for a buy-sell agreement. · 18.25: It's not a triggering event that causes the problem. It's the procedure that is drafted and one of those common errors Paul sees is the appraiser has to produce an appraisal in 30 days. · 20.14: The appraiser can't appraise in 30 days and no appraiser can, says Paul. · 22.40: One thing that the TV show Shark Tank has taught Bill is that a business owner at least a lot of business owners come up with this idea of valuation in their head that in the most cases seems to be based on not a lot and it could be very inflated. · 24.36: One of Paul's strongest bits of advice for people in business is your business should be ready for sale 24/7, 365. · 25.06: What happens to a lot of people is they skimp on their accounting and then they sign up a non-disclosure agreement and they enter due diligence and people who can't figure out, their financials, they are not audited, they are not reviewed, they're not consistent, they are not complete. · 28.02: Paul's earliest LSU memory was probably a trip to Tiger Stadium in 1973 when the Tigers weren't very good. Three Key Points 1. Paul talks about his mindset and how he felt when he turned 50. 2. Paul talks about two of his books, both are based on planning your future series, the last will and testament for your business, "Buy- Sell Agreements" and then “It's Yours," Mine and Ours" which Pete loves because it's on the blended family. 3. Paul talks about his earliest LSU memory. Tweetable Quotes · - "I took a job in New Orleans, and it was a great job because my four years there, from 88 to 92, that's where I learned a lot of what of what I know, I was taught by four excellent estate planning and tax lawyers." - Paul Hood · - "Retirement is not really something that I even think about even at 62, almost 63 in June." - Paul Hood · -"If you work for one of them, you got temporarily relocated to Baton Rouge or Lafayette, Lake Charles or even Houston, TX. But those of us who work for individuals, we were out." - Paul Hood · -"I am a one-page guy because I believe if you can condense something down to a page, you understand correct, and that's a big deal." - Paul Hood · - "If your client gets the appraiser and answers all their information document requests in 30 days give yourself a blue star." - Paul Hood · -"When I wrote my business valuation book, I did something that I don't know that anybody else had ever done. I have read every single income tax case involving valuation back to the beginning of the income tax in 1913." - Paul Hood · -"I don't think that the true grasp of the greatness of Skip Bertman has been understood yet." - Paul Hood Resources Mentioned · runwaydecade.com · https://paulhoodservices.com/

Epic!

Play Episode Listen Later Feb 16, 2023 33:08

In today's episode of the "The Runway Decade Podcast," hosts Bill Bush and Pete Bush, advisors at Horizon Financial Group talk to Justin Breen, a best-selling author and a guy who is helping other people lift their voices and their stories around the globe. Episode Highlights · 2.34; Justin shares his career journey and how he became an entrepreneur. · 5.45: Justin went to the University of Illinois, grew up in the Chicago area, lived 2 miles South of where he grew up. · 06.54: Justin talks about his journey as a journalist, and he shares about his experience. · 07.02: Justin explains what separates entrepreneurs from humans, business owners, and consultants? · 10.55: For most entrepreneurs, there is a chapter of survival, thrive and figure it out stage, says Pete. · 11.55: As per Justin, it's funny when folks spend years and millions of dollars to come up with a brand and stuff. · 13.21: Justin and Bill discuss how important it is to have a child like mindset. · 16.20: If you go on LinkedIn and you follow Justin Breen, you're going to see the Gratitude journal and its things of that day. · 18.00: Justin talks about the power of storytelling and how he uses that in his business and talking to his clients. · 19.20: A person's story is the most essential thing because people want to know about who you are, and then they will care about what you do. · 20.28: When you have a good family life, you have a good life, says Justin. · 23.53: Justin shares how he just keeps making bigger investments to be in smaller rooms and the people in those rooms are making bigger impacts. · 25.51: The purpose of Justin's life is to be a connecting superhero for every visionary, abundance, investment mindset, and entrepreneur. · 28.25: Justin talks about his earliest football memory, how his dad used to take them to watch football. · 31.10: Justin talked to one to two people like him every single week that have let entrepreneur life destroy their family life or prevented them from anything meaningful. So the book Epic is about how to build collaborative global companies while putting your loved ones first. Three Key Points 1. In order to become successful, sometimes one has to overcome huge obstacles or challenges like bankruptcy or potential bankruptcy, depression, the highest level of anxiety and possible traumatic experiences as a child. 2. If you are constantly grateful, it's hard to be ungrateful and then that attracts grateful people, and it repels arrogant and ungrateful people. 3. Justin talks about what the next 40 years look like for him. He shares his plans and vision. Tweetable Quotes · "It's always nice to talk to an entrepreneur who happens to be a journalist. It's very rare. Most journalists are journalists who happen to be journalists, and people like us are usually aliens within our own family, community, and vertical." - Justin · "When I have a great idea the only person, I ask that would use opinion actually matters is my wife." - Justin · "You have mentioned your family quite a few times, and if you look on the cover of your latest book, there is the family holding hands and I think in that's not a subliminal thing, right. There is a sort of a secret to success involving that work-life balance." - Bill · "When you are a journalist, it's really all about the purpose and then simplifying people's messages and then sharing it with the world." - Justin · "I just keep making bigger investments to be in smaller rooms, but the people in those rooms are making bigger impacts." - Justin Resources Mentioned · runwaydecade.com · https://kolbe.com/

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Sara Kuburic: "Three key points regarding your child on social media"

BBVA Aprendemos Juntos

Play Episode Listen Later Jul 28, 2022 28:19

Sara Kuburic is a Serbian-Canadian therapist, researcher and writer, also popularly known as the online millennial therapist. Over the past few years, Sara has grown exponentially in popularity and recognition as a high-level therapist with expertise in psychology. Now, Kuburic is a columnist at USA Today, where she shares tips and ideas about personal life and well-being.

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Generational Investment Behavior: Baby Boomers

Play Episode Listen Later Jul 22, 2022 15:53

In today's episode of the “Inside the Plan with the 401(k) Brothers”, host Bill Bush and Andy Bush, advisors at Horizon Financial Group, in their ‘Generation's Series', talk about the investment behaviors of ‘Baby Boomers', the generation which includes the birth years 1946 to 1964. Episode Highlights 01:30 – In the US, the ‘Baby Boomer' generation comprises about 70 million people. 03:35 - Among the Baby Boomer generation, an EBRI survey found that 46% of this group reported accruing less than needed savings for retirement. 05:30 - Some boomers have said that they're going to need to work longer to pay off debt, but the actual study show, that they don't work longer. 07:20 - If you wait until full retirement, you're getting 100% of your Social Security benefit. If you wait after your full retirement, you're getting an 8% increase each year on top of whatever the cost of living adjustment might be. 08:54 - One thing that becomes important is the distribution phase, as we go from the accumulation phase of working to retiring, and then it's how to manage the withdrawals, which can be a tricky situation. 11:15 – As you grow older, instead of just on a whim of buying something, one needs to be a little more thoughtful of that by understanding what is the purpose of it. 13:30 - If you're relying on dollars, you just don't want to have to sell when the market drops down. Three Key Points 1. Most ‘Baby Boomers' generation is retired right now or about to face retirement. There are a good number that have already gone through retirement and they've maybe gone through their planning side of entering into retirement and then there are a bunch that are in that decade range till they check out for the last time at the workplace. As per the research Boomers carry an average household debt of alittle over $272,000. And the biggest part of that debt is likely going to be their house. 2. Some people said that due to the pandemic they'll just work longer and pay off that debt. But the reality is, that often doesn't happen. The other thing that they talk about is filing for social security, people usually make the mistake offiling early. Filing early kind of locks in lower pay. If you wait until your full retirement, which is 66-67.. or somewhere in between for the Boomers group. So if you wait until fullretirement, you're getting 100% of your Social Security benefit. 3. Baby Boomers those that have not retired, for them the most important thing is that as you're getting much closer to retirement you need to establish a budget ify ou haven't. So that you understand what your spending habits are. Except for basic needs, make sure you know where your money's going. Tweetable Quotes “That was post-war that there was a boom in babies.” – Bill Bush “Maybe some sort of debt that didn't exist the generation before.” - Bill Bush “Percentage of people that say, “Hey, I'll just have to work longer and the percentage that does is much lower because they become ill.” – Andy Bush “If you want more information about Social Security, we do have a webinar on the horizonfg website under Events, if you want to look into that a little more.” – Andy Bush “As you mentioned retiring without debt is an ideal situation.” – Bill Bush “You're going to have to probably be a little better at budgeting.” - Andy Bush “They want to make sure that they're not exposing themselves to significant market drops of money that they're going to rely on” - Andy Bush Resources Mentioned Horizon Financial Group - Website Contact Information: Bill Bush Andy Bush Podcast Editing

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They Call Me Poppi

The Action Academy | Millionaire Mentorship for Your Life & Business

Play Episode Listen Later Jun 30, 2022 40:06

In today's episode of the “The Runway Decade Podcast”, hosts Bill Bush and Pete Bush, advisors at Horizon Financial Group, talk with guest Tom Bouchie, who shares about his career journey, his life in the '50s, and his retirement plans. Episode Highlights 01:00 – Tom works for ‘Novo Nordisk' he's worked there for 17 years as a Senior Diabetes Specialist. He's also a Councilman in ‘Pineville Louisiana'. 04:57 – Bill enquires, when did Tom first get interested in the broadcasting kind of thing? 06:32 – Bill asks Tom if his first job out of college was broadcasting. 08:12 – Tom says, the greatest thing was he is going to be moving on to another city and all that weekday anchor. 10:19 – Tom mentions, that now he's the voice of the minority goals for the last five years and getting ready to start year six. 12:18 – Tom's parents have always pushed them to be their best. 14:58 - There are a lot of close friends, but they haven't kind of gotten that back since the pandemic, says Tom. 16:00 – Bill wants Tom to share about his cool family tradition which he would take off on one weekend while working with him at KLAX. 19:57 – Bill asks Tom, what has changed mindset-wise once he turns 50? 20:26 – Tom highlights, that the other thing his grandfather told him was, always keep your house payment 1/4 of your take-home pay, and you'll never worry about making a house note. 22:16 - There are these events that happen to a lot of folks when they're in their 50s and some of those things are true page-turners meaning life once we flipped over that page is different than before, states Bill. 28:06 – Tom's father was handling his own business, and he was very active in the church. He gave his time, talent, and treasure to the church. 30:26 – They started driving back and came upon the accident so that kind of startled, and then they realized that they still have something to live for. 32:23 – Tom's mom and dad tried to save as much as they could and his grandfather was a saver as well and so that's been ingrained in him. 34:32 – Tom mentions, that Cindy's dad told him if he needed to put at least 10% away in her 401K. 36:15 – Bill enquires if Tom can learn one skill today that he currently doesn't have, what would it be? 38:00 – Tom states, that if he had a time machine, he'd probably go back to December 5, 1987, and relive their wedding day with Cindy. Three Key Points Tom states – he doesn't know what it's like to be high on drugs. But the high he gets sitting on behind the microphone and watching the games and calling them he doesn't think that drugs could match it. Tom shares about his family tradition - They all said they want to keep this bachelor party going. They want to keep it together and so they moved it to October the first Saturday in October for squirrel season. They started it called the Annual and made it a father-son camp out. Tom's goal after retirement is to get his realtor's license, sell some real estate here locally, and then do more play-by-play, but he has a lot that he wants to do. He wants to get more involved in the City Council or some committees that he has been asked to serve on that he can't do because of the time of day that they meet and he is out of town working somewhere else and driving anywhere from 2000 to 3000 miles a month just wears on the body as one gets older. There's stuff that he wants to be free to do. Tweetable Quotes “I was making the comments before the commentators were making the comments.” – Tom Bouchie “I got into pharmaceutical sales and to start making some money.” – Tom Bouchie “We both said this is not enough. We got to be close to family.” - Tom Bouchie “You came to work together with me at KLAX and said Hey, man, love to be the weekend guy but there's just one weekend I got to have off and I was like what's going on and it was this family tradition.” – Bill Bush “We moved the dates now between October and November so that we could get cooler weather.” - Tom Bouchie “He said you never make any money until you pay off your house.” - Tom Bouchie “I decided on Papi. Originally, I wanted to be a grandpa and they said it was too boring. I'd have to agree.” - Tom Bouchie “Your runway is pretty short to retirement. You're close to moving on.” – Pete Bush “I've just been trying to pick the right day to call it quits and then be able to go explore some other things because I think there are some other things that I can accomplish.” - Tom Bouchie “I was making like $15,000 a year and putting 10% in there. And then that money I was able to roll over to an IRA with my sister-in-law.” - Tom Bouchie. Resources Mentioned Horizon Financial Group Website Contact Information Bill Bush Pete Bush Podcast Editing Contact Information Councilman Tom Bouchie

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How to Begin / Maintain Relationships with your DREAM Coaches/Mentors

Play Episode Listen Later Apr 15, 2022 6:43

We all have our list of guys/girls we would do anything to get coaching from. People at the top of their game that are hard to reach, wildly successful, and have zero clue of who you are.Today I give the top tips and strategies I have used to attract some of my mentors/coaches that were hard to contact to begin with. Three Key Points:1) Pay To Play - their mastermind, their course, their services, or donating to their charity2) Seek To Serve - Be SPECIFIC AND KNOWLEDGEABLE3) Act, Report, RepeatJoin our new Action Academy Text Newsletter for guest highlights, recommendations, resources, and direct access to deals: https://my.community.com/brianactionacademyOR Text ACTION TO +1 (423) 592-8486Resources:GoBundanceAre you an accredited investor and want to learn more about GoBundance?www.gobundance.comBook a call to learn more: www.calendly.com/brianluebben/grablifebigJason Drees CoachingInterested in Mindset and Business Coaching?www.jasondreescoaching.comBook a call to learn more: www.coachjasondrees.as.me/20minintrobrianluebbenConnect with Us!Facebook: www.facebook.com/ActionAcademyPodcastInstagram: www.instagram.com/actionacademypodcast

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Work and Life Balance: Three key points when going away for a vacation from work

Nurses' Notes

Play Episode Listen Later Sep 20, 2021 9:38

In this episode, three key points when going away for a vacation from work is essential as part of work and life balance.

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E-commerce: Three Key Points To Improve ROAS in Ecommerce

Ecommerce: The Hammersley Brothers Ecommerce Podcast

Play Episode Listen Later Aug 5, 2021 49:03

In this week's Podcast Ian and Mark talk about the 3 important things you can do to increase the Return On Ad Spend. P.S. Whenever you're ready... here are 4 ways Ian and I can help you grow your ecommerce business: 1. Grab a copy of our book It's the roadmap to recruiting new customers, driving repeat business, and scaling your ecommerce business. — UK - Click Here | Rest of World - Click Here 2. Join the Ultimate Guide To Ecommerce group and connect with ecommerce owners who are scaling too It's our new Facebook community where smart ecommerce owners learn to get more income, impact, and independence. — Click Here 3. Join our CLIENTS Program and get growing. If you're looking to accelerate: we are working with a few ecommerce owners to help them add an extra 20k to their revenue — without adding any more complexity. If you'd like to get some growth this month, book a call with us. - Click Here 4. Work with me and my team privately If you'd like to work directly with me and my team to take you from 7 to 8 figures... just book a call with us and with the word “Private”... tell me a little about your business and what you'd like to work on together, and we'll get you all the details. - Book here

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Episode #10 Three Key Points that I learned teaching virtually

Cultural Curriculum Chat with Jebeh Edmunds

Play Episode Listen Later Jul 30, 2021 12:58 Transcription Available

On today's episode, I reflect three key points I learned from teaching virtually. This was my account of what worked and what didn't with a little humor along the way. //Work with Jebeh Book a Full Day or Half Day training Session at https://jebehedmunds.com/jebeh/staff-development///COME SAY Hey!!Instagram: @Jebeh01Facebook: @JebehCulturalConsultingPinterest: @Jebeh Cultural Consulting Twitter: @Jebeh01LinkedIN: @Jebeh EdmundsPodcast: The Cultural Curriculum chat with Jebeh Edmunds //ABOUT:There will be new podcasts every Friday. Feel Free to leave a comment suggesting what tip or topic I should talk about next or what your biggest Multicultural Curriculum struggle is for your classroom.//DISCLAIMER: These strategies are copyrighted through Jebeh Cultural Consulting LLC 2021//CONTACT: For all subscribers, please use this email: https://jebehedmunds.com/resources/email-signup/// Learn More: www.jebehedmunds.comFor business inquires, please use this email: jebeh01@gmail.com

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"The Great Exposure" (Part B)

The Kingdom Corner with Matt Geib

Play Episode Listen Later Dec 4, 2020 32:57

In this Episode taken from Ephesians 5:8-11 we continue to discuss Not only How God wants to 'Expose us Before The World', but that he intends to use us,His Church to 'Restrain' or Hold back evil in the world, as we shine forth our Beautiful Portrait in His Light. {0:43-1:58} Reading of Text Eph. 5:1-11 {1:58-3:00} As I studied this passage vs. 11 was high-lighted to me (reading again vs. 8-11) , this was revealed to me as an answer to the darkness, that is being "The Great Exposure"... {3:06-3:31} THREE Key POINTS so far 1) We are being developed in God's Darkroom as a beautiful Portrait, that God intends to show off to the world...2) Light is essential for exposure, Exposure is Birthed in Light....3) We are God's Treasure/Inheritance that is protecting in order to reveal this at the right time. { 3:31- 4:12} Col. 1:12 Giving thanks to the Father who has qualified us to share in the Inheritance of the Saints In Light.....the word LIGHT comes from the Greek word 'PHOS", from which we derive our word Phosphorus...also in scripture LIGHT is often referred to as "REVELATION" ( Greek= APOKALYPSIS) {4:12-4:28} The Portrait,The Inheritance,, FELLOWSHIP with both God & Man,Light are all crucial for God to Bring about THE GREAT EXPOSURE He desires for this palnet {4:35-5:00} Example of Moses & the right amount of light needed to expose a picture {5:00-5:33} The uncovering,unveiling, revealing of a secret or what is hidden requires a Revelation {5:50-5:56} Only in the Light of Revelation can our Inheritance be found {6:05-6:14} Without fellowship In the Light w/God & the Saints this whole 'Exposure' Process will FAIL! {6:14-6:36} a re-reading of {4:08-5:00} {6:36-6:45} Since Light is so critical to this process lets look @ some more points for clarity {6:45-6:53} POINT #4 Fellowship with God & His Saints will Increase the LIGHT you Have. {6:53-7:38} Proverbs 4:18 "The path of the righteous is like the morning sun, shining ever brighter till the full light of day." ...Your Masterpiece, Treasure, that God desires to SHINE Through is meant to shine more brightly each day you walk with Him...This increased brightness increases as we walk with Him & have Fellowship with His Saints. {7:38-7:57} Fellowship = KOINONIA in Greek, meaning joint participation,association,contribution,community, fellowship, intercourse...AND of course we are talking about this taking place with other humans as well as ABBA {7:57 -9:30} 1 John 1:7, NIV: "But if we walk in the light, as he is in the light, we have fellowship with one another, and the blood of Jesus, his Son, purifies us from all sin."...........Fellowship with God+Saints as we walk together in God's Light...We can never walk ALONE, there are no 'Spiritual Lone Rangers' In The Kingdom of God....We need BOTH the Darkroom experience w/ God+Each other!....The enemy will 'pick off' loners & deceive them.....The sign of a healthy Saint= ONE that is in fellowship WITH the Body of Christ , BOTH creating together Masterpieces, Inheritances,Treasures to show off to the World.....A LONER Lacks Light , is deceived, & the enemy may pick them off! {9:30-11:15} 2 Corinthians 3:18, NLT: "So all of us who have had that veil removed can see and reflect the glory of the Lord........Some say this 'Mirror' could be our Brethren...that is we reflect God's Glory back & forth between us as we fellowship together & this will cause us to ascend into Higher levels of God's Glory, light, & Revelation... UNVEILED FACES..speaks of being vulnerable & exposed...JAMES exhorts us to 'confess our faults to each other.'...There is a time to 'open up' about faults & shortcomings with the Brethren..this will foster an authentic brokenness & humility leading to us burning ever brighter & with more clarity before the world...When we are walking in God's LIGHT we will be drawn to others Walking In Light that have the same hearts...Just as bugs are drawn to light. {11:15 -13:13} FELLOWSHIP brightens the illumination inside of us for enabling God to create the 'Masterpiece' w/in us.....'Iron sharpens Iron'...Also Iron POLISHES Iron as well...EXAMPLES of dirty 1955 Chevy Belair & Going out with a spot on my shirt compared with allowing ourselves to be cleaned up, corrected, polished by each other in the Body of Christ, too often we are too proud to allow this....However for ABBA to put on 'The Corporate Art Show' he desires with the Body of Christ we will need to be as clean & polished as possible! {13:13 -18:33} POINT # 5 God is Creating a RESTRAINER Both to Expose & Hod back the Darkness....and that Restrainer is YOU & I...we have entered a Time of Darkness as never before in 2020...II Thessalonians 2:1-12 The rise of the Anti-Christ,,,The AX is roaming the earth possibly , yet not yet fully revealed...We could say, that 'The Ungodly Picture' is currently in the development process even now....vs.6 "RESTRAIN" means to withhold, hold back something,...A FORCE of some kind is Holding back something,,,what it is holding back is the revealing & formation of the AX govt....some commentators/scholars believe this WITHHOLDING FORCE to be The Holy Spirit, & I would agree with that, However I see this as The Bride of Christ with God's Spirit inside of them holding back the darkness....that is The Sons & Daughters of God Fully showing forth God's Glory as His Masterpiece...Then the 'Restrainer' will be taken out of the way...I believe that comes through the Rapture....I like the TPT Translation here..."The One Who Now PREVAILS"....as we PREVAIL with God, As we shine Brighter & Brighter we hold Back darkness {18:37-20:12} DANIEL 11:31-32 The people that KNOW their God, shall be strong & Do EXPLOITS....speaking of End Time events of Jewish Christians in the Tribulation having the AX take over their temple & eliminate sacrifices....This verse can also apply to our time as The Bride/Masterpiece/Treasure will arise & DO EXPLOITS as we Become that 'Great Exposure' to the world....as God's LIGHTS resisting the darkness...we are also speaking of APOKALYPSIS/Revelation...an uncovering, an unveiling.... {20:13-22:02} RE. 1:1 The APOKALYPSIS of Jesus Christ...21 chapters of end time visions Ephesians 1:17,18 A Spirit of REVELATION....Lk. 2:32 Jesus to bring a light of REVELATION....Romans 8:19 The whole earth groans for the REVELATION of the sons of God...Ro. 16:25 The Bride of Christ will be established by a wore of REVELATION {22:02-23:25 } We as The Church/Bride of Christ are that GREAT EXPOSURE that is beginning to shine brighter & brighter to the world.......I am beginning to believe in this trying year of 2020...with Covid19, Racial riots, unemployment, election uncertainty, that this is the beginning of God's great Exposure to the world as Habakkuk prophesied of the Glory of God covering the world as the water covering the sea {23:25-30:14} Examples of Men/Women of God who processed with ABBA in the Dark room who did great works for God in their Time.....MOSES...perhaps God is calling you as a chain breaker today?...GIDEON.....God saw Him as Warrior that would defeat the enemy......eventually, God's light will 'break out of us' confounding & defeating the enemy...King SAUL....are you hiding today from God's call on your life.....David.....was not even PRESENT for His own anointing as King!...God LOOKS at the Heart!....ESTHER...called out of obscurity she had to be brave & step up, even endangering her life....Have you been called "For Such a Time as This?" ...It may be uncomfortable for You to step out just as it was for Esther..................GET in the Darkroom with ABBA & find out who he wants you to BE...forget your own ideas!......He wants to EXPOSE His sons & daughters to the world to bring Revival, Revelation, Refreshing! {30:14 Ephesians 5:8-11 8 For you were once darkness, but now you are light in the Lord. Live as children of light 9 (for the fruit of the light consists in all goodness, righteousness and truth) 10 and find out what pleases the Lord. 11 Have nothing to do with the fruitless deeds of darkness, but rather expose them. Fruit never strives to bring forth fruit...as it's in the light & well watered a tree brings forth good fruit...we are HIS garden it says in Song of Solomon...being in His Presence in the Darkroom, the fruit will just begin to develop & will just Flow out from you! You are his Highly favored sons & daughters today & your time for exposure to this world has come!The whole earth is now groaning for the EXPOSURE of God's sons & daughters...this is YOUR HOUR To step up...step out..show courage,,,so be EXPOSED & SHINE!...Hold back & defeat the forces of the enemy...This is Your Time! Amen!

Lead Through Alignment and Accountability with Anthony Noto, CEO at SoFi

Coaching Through Stories

Play Episode Listen Later Nov 18, 2020 53:37

Today's Coaching Through Stories episode features Anthony Noto, the current CEO at SoFi, a unique finance company whose goal is to help clients “get their money right.” Anthony shares the challenges that helped shape him, the early failures and setbacks that propelled him to move forward, and how he goes about building a great culture. Anthony says the secret to success is to “work as hard as you can, do the right thing, and take care of others.” Anthony Noto is the former COO of Twitter and the former Co-Head of Global Telecommunications, Media and Technology Investment Banking at Goldman Sachs. He also served as the National Football League’s CFO and Executive Vice President for nearly three years. His past experience also includes his service as a Captain in the U.S. Army. Episode Highlights: Story that has a significant impact on Anthony’s life, values, and leadership philosophy How the challenges Anthony has experienced has helped shape him and his values The messaging of Anthony’s mom about being good enough Anthony’s thoughts on the dark side of the independent mindset The early failure and setbacks that has propelled Anthony to move forward What drives Anthony today How much Anthony tries to craft and control his professional life What Anthony learned about being a leader during his time as COO of Twitter How leaders should go about completing their visions and desires What keeps Anthony up at night and what gets in his skin as a leader Anthony’s leadership philosophy The mental and emotional skills Anthony believes are critical to becoming a great leader How Anthony manages himself and maintains his composure How Anthony creates a space for his emotions What Anthony did first in terms of culture when he first joined SoFi How Anthony goes about building a great culture Three Key Points: There’s a thin line between success and failure. Those that chase problems rather than run from them are more likely to succeed. To succeed as a leader, one needs to show composure, drive structure, and bring people together that are worried or scared. To be a great leader in uncertain times, you need to have the ability to keep everyone calm. Resources Mentioned: HigherEchelon.com The Man in the Arena by Theodore Roosevelt - (please hyperlink: https://www.artofmanliness.com/articles/manvotional-the-man-in-the-arena-by-theodore-roosevelt/) The Fighting Spirit: A Championship Season at Notre Dame by Lou Holtz - (please hyperlink: https://www.amazon.com/Fighting-Spirit-Championship-Season-Notre/dp/0671676733) Anthony Noto LinkedIn

Three Key Points Pt.1&2

DeeDeej. The One & Only

Play Episode Listen Later Jun 29, 2020 21:16

-Putting Your Pride To The Side - Apologize For How You Said It - Apologizing Doesn't Make You In The Wrong --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app

three key points

12. THREE KEY POINTS TO REMEMBER WHEN NAVIGATING YOUR BUSINESS DURING COVID-19

PROFIT MASTERY

Play Episode Listen Later Mar 25, 2020 11:49

As business owners, many have found themselves facing overnight challenges no one could have ever imagined or predicted. Navigating such scary and chaotic business environment is overwhelming for most if not for all entrepreneurs, at this time. This episode of the Profit Mastery will give you three key points you can implement now to help you navigate the current challenges. To participate the in the 21 Day Money Mindset Mastery (a 21 day audio training delivered daily into your inbox helping you stay focused, consistent and profitable) REGISTER HERE --->>> http://tiny.cc/21DayMMM To contact me directly please email at reginagulbinas@gmail.com https://www.reginagulbinas.com/

covid-19 navigating three key points

Networking with networkers: leverage your affiliates

entrepreneur write networking leverage circus affiliates wellness mama networkers jvzoo three key points

Play Episode Listen Later Dec 12, 2019 12:17

Stacy has two businesses: a digital online gardening business which helps people around the world grow herbs and vegetables; and life changing adventures for entrepreneurs. She's grateful for her beta on Circus of Entrepreneurs and the help from this group. It was an extraordinary experience. 01:49 Challenge: We have our big garden summit coming up this year for the garden business. This year we want 100,000 sign-ups. That will change lives, and the revenue from that will mean the business can be done for the year, so I can focus on the circus. What I need to get there: I have a lot of affiliates already, but want to ramp up the affiliate-wheel now. The event is in July. We have a great line and theme. And we knew if we hit our targets, we're golden. We're looking for more affiliates in health and wellness, gardening, podcasts, influencers in those fields to connect with. So, names, or what questions do you ask yourselves when you're finding the influencers that you're looking for? 03:10 Question: Your event is in July. You're looking for ways to get the information out there, or to connect with people who are able to support that event? 03:29 Yeah, any avenues. It's an online event. Could be anywhere in the world. So it could be influencers, podcasts, blogs, whoever has the most pull. 03:41 Question: Have you done your Dream 100 list? 03:43 I think we have a Dream 30 right now. 03:47 Question: Of those 30, how many have you contacted? 03:48 All 30. 03:52 Question: How many affiliates do you normally get? 03:56 We have about 600 affiliates, but we have 20 that are solid. 04:01 Question: How many sign-ups do you normally get? 04:03 In the past it's been much lower. We have all new affiliates. From our affiliates, we got 15,000 last year. 04:26 Question: What if you might already be at 100K signups, and you're questioning yourself? 04:31 That's a possibility. 04:38 Question: How many total leads do you need to be able to mail to, to get 100K based on your current conversion? 04:47 Page conversion is usually 67%. I think we worked it out; if I have 9 affiliates who have 250,000 people, then we reach 100,000. 05:09 Question: So the affiliates you're already after, what are you asking them? 05:20 No no, my question was what questions do you ask yourself when you're looking for your Dream 100? 05:28 Suggestion: Who are the biggest people in the space? The easiest way find that is to ask all the affiliate managers that have run big launches, who their top performers were. Even if they're not in your niche. 06:13 I save the leaderboard from all the launches and then I reach out to those folks with a 10% commission to the affiliate who connects us to a second affiliate. 06:19 That's standard. But are you reaching outside the garden space, as well? 06:23 Health and wellness. 06:25 Suggestion: Think about entrepreneurship, too. 06:30 Suggestion: Who here doesn't want superfood? That already resonates with me. Most people have some interest in improving their health. 06:46 Suggestion: This is an offer that might be surprising well out of your lists, because you've never pitched it before. 06:54 Question: Have you considered reaching out to mom influencers? The mom-bloggers? They're big. 07:02 I'm trying with Wellness Mama. 07:18 Question: So back to, what are you asking them, how are you approaching them? What is the strategy. 07:24 We try to find somebody in common and we get an introduction. If not, then we talk about the mission and how it supports their mission. Then the financials, how they benefit. 07:49 Suggestion: That seems like the golden nugget for you. Find a connection. Find a way to enhance your approach. Who already has an amazing ability to get affiliates? 08:29 I found the reverse, I'm trying to find this. 08:35 Suggestion: There's value in figuring out what they're doing; what they're saying and how they're saying it. 08:46 They all come to me for this. 08:56 Question: Have you looked at your clients? Their connections? All of our marketing comes from within. How many people have you worked with? 09:08 Tens, hundreds of thousands. 09:12 Question: How many of those people might have a connection to an influencer? Who have loved your program? 09:25 Brad: But that's why you've gotta bring it up. You can't presume anything. Get more into your Dream 100, and start connecting. Look at your top launches. You just need one big one. Have you tried clickbank and JVZoo? 09:52 I don't use those. What's the benefit? Everytime I try it just looks like garbage. 10:01 Brad: Yeah, but there are a lot of people who can promote. And they do billions of dollars in sales. 10:10 But they can change your price. But it's a good question, I don't know. 10:19 Brad: If anything you can field other top affiliates, and reach out to them. There's a huge underground industry of people. 10:36 I think that's my limiting belief; that I've always been at the top of the game and people come to me for advice. 10:46 Suggestion: Start thinking of the biggest badass you could reach out to to be on their show. Like Melissa DeMercini. Just one mention could get you 1,000 people. 11:02 Suggestion: The affiliates who are knocking it out of the park, who do they know who's also hitting it out of the park? 11:16 Brad: Look up Rebecca Wynn. She has 300,000 - 500,000 people in her Facebook group, Wymsical Gardens. I helped her get a book deal. Three Key Points: Think outside your niche Find, then use, connection Write out your Dream 100, then start reaching out

Even you can meditate

meditation fake feet meditate slightly formal sway yawning jiggle exaggerate three key points

Play Episode Listen Later Nov 29, 2019 8:41

Joe is a mindfulness teacher. He's going to lead you through a seated meditation. 01:07 Tip 1: Always warm up and get fully in your body before you sit down to meditate. 01:17 Stand up. Jiggle to ground. Feet about shoulder width apart. Slightly bend your knees. Feel your weight in your thighs. Jiggle. Sigh. 01:39 Jiggling is not only fun, it's helping your lymphatic system and immune functions. 01:51 Next, stretch and yawn. Fake it if you need to. Yawning is the fastest way for you to relax. 02:05 Sit down. 02:09 Tip 2: Always sit in a way that your hips are higher than your knees. Move to the edge of your seat. Feel your sitting bones. That's our base. 02:44 Most of us slouch, so roll your shoulders back and down. Exaggerate the extension of your chest. 02:59 Tuck your chin slightly. Imagine an invisible thread pulling your crown ever so slightly up. 03:15 Take a deep breath, through your nose, to the count of five. 03:22 Breath out through your mouth, with the sound of ahhhhhh. 03:32 Soften internally. Let go of any tension. 03:49 Smile from your base. 04:10 Let this infectious, cheeky, playful smile permeate every cell of your body. 04:15 Now we're ready to meditate. 04:22 Close your eyes. 04:27 We're going to observe our breath from our base. Be aware of the weight that's supported by out sitting bones and slightly on our feet. 04:40 Tip 3: Meditation is an act of kindness. There will be no trying or striving. Let it be easy, gentle, playful. 05:03 When you're meditating in a busy place, simply say, every sound I hear brings me back to my base. Then return to observing your breath. 05:22 Repeat if you drift away from your base; "Every thought brings me back to my base." 05:32 Observe your breath from your base. 05:38 No points for being stiff. Sway, rock, move as you will. 05:51 Return your attention to your base. 05:55 Bell chimes. That's it! 06:18 Feedback: That was wonderful. I felt really grounded. 06:21 Feedback: It was fun. You brought something fun to it. 06:34 Did it feel easy to do? 06:34 Yes. 06:41 Last week 3 or 4 people said they couldn't meditate, or didn't enjoy meditating. I thought, wow, you just haven't been show how to do it properly. 07:01 Feedback: I loved how you embraced the train and the kids' laughter. People often think of meditation as pushing things away, but it felt great to accept everything. 07:20 Feedback: Your voice is so eloquent, soothing, comfortable - it feels like home every time I hear you talk. 07:38 Feedback: I loved what you said about not getting brownie points. Formal meditation looks so upright. But it's not about being perfect. 08:01 I was taught that way, to meditate through pain. I want to teach it the way I wish I was taught. Three Key Points: You can meditate. Keep it fun, keep it playful. Nobody is keeping score when you meditate.

Taking the second step

Play Episode Listen Later Nov 20, 2019 9:57

Kurstin gives Master Classes to teach women to fully embody the strong and sensual as a huntress rather than figure out the masculine/feminine. 02:08 Challenge: I want to grow the program to a two-day emersion, but I don't have a budget to market it or promote it. I want to utilize those who've just done it, to grow it in an underground way rather than throwing it into a bunch of ads. 02:46 Question: Why do you want that? 02:48 It's more authentic to me. I'm not really into getting an email list and blasting it to people. 03:07 Question: Have you done either Landmark or Ella? Landmark is awesome at getting your friends to enroll. It's been effective and I don't think they spend any money on paid advertising. They're a massive, multi-billion dollar, all over the world company. Maybe copy some of their model. 03:35 Question: What's your target? How many people would you like to have at your immersion program? 03:41 15 max. 03:43 That's easy! Didn't you say you already had people who couldn't come? 04:05 It's a higher dollar amount. And it's something that I've actually never facilitated myself. It scares the shit out of me asking people to pay that much money. $700 early bird, then $900 after a certain date. 04:23 That's cheap! You're good. 04:33 Question: Do you believe the value? 04:33 Yes. 04:36 Question: Why would you question it? 04:39 I don't want to have to convince people to come. 04:47 Suggestion: Your biggest blocks are asking for money, and asking for support. You're giving people value. It's about the flow of giving and receiving. You're actually stealing from them the opportunity to pay for their transformation and invest in themselves, because you're not fully receiving what you should be. You need to work on that! If you don't show up for them, they won't feel the full value of it. 05:34 Keep telling yourself, progress over perfection. Each time you think it needs to be perfect, you'll just get in your own way. 05:52 Work on the belief that you're worth it, and the program is worth it. 06:06 Question: What is the impact of them not coming? They have $900 extra dollars in their bank account, but what are they missing out on by having $900 instead of working with you? 06:26 Money is only useful in its utility. 06:29 They're missing out on embodying what it is to be a woman. Navigating what society is telling women to do or be and standing in their own power. 07:08 Suggestion: Use that as a first layer. Then keep repeating that question until you get five layers deep, of what is it costing them to not have that, and what is it costing them to not have that. Approach it from both ways; why do they need this? What is the impact of them not having this? Five layers deep. 07:45 Suggestion: Ask the people who have already gone through your initial program, who else can benefit from this? What were the benefits that you received, who do you know who could also benefit from it? Don't be ashamed to ask for referrals. 08:28 Suggestion: Set up referral systems. Testimonials; video. Give them a structure. Use referral incentives. Three Key Points: Keep telling yourself, progress over perfection. Each time you think it needs to be perfect, you'll just get in your own way. Leverage testimonials Question: What is the impact of them not coming? They have $900 extra dollars in their bank account, but what are they missing out on by having $900 instead of working with you?

navigating leverage testimonials landmark masterclasses second step three key points kurstin

Building your clientele; get a clear vision on your role in the process