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Your COMPLETE Guide to Setting a FKT ft Reese Ruland Check and subscribe to my newsletter to receive the full report of my bikepacking trips and races⤵️ Connect with me on social
Happy Radiothon Day from HRN!In Horses in the Morning Hour 1 of the 2024 Holiday Radiothon Jamie, Glenn and Ashley introduce this year's Charity of Choice, Hope's Legacy. Then they visit Germany with Jamie's foreign exchange student Anna and her parents. Christmas markets, Gluhwein and over $600 in prizes given away!HOLIDAY RADIOTHON 2024, HOUR 1 (HITM) – Show Notes and Links:The Radiothon Emcees: Glenn the Geek of Horse Radio Network and Ashley Winch of Sleep Stories for EquestriansGuest HRN Co-Host: Jamie Jennings of Horses in the MorningGuests: Foreign Exchange Student Anna and her parents, Yvonne and MichaelGuest: Maya Proulx - Executive Director Hope's Legacy | Hope's Legacy Equine Rescue, Inc.Guest: Courtney Thompson - Adopter of Windcries - Story on Windcries by Thoroughbred Aftercare AllianceSupport for this hour of today's special annual event provided by: State Line Tack, Kentucky Performance Products, BeneFab, and Listeners Like YouPrizes for Hour 1 provided by: Dreamers & Schemers, Kelly Herd Jewelry, Your Complete Guide to Equine Arenas, and Equine OneCharity of Choice: Hope's Legacy Equine Rescue Donation Link: A Home for Every Horse
Happy Radiothon Day from HRN!In Horses in the Morning Hour 1 of the 2024 Holiday Radiothon Jamie, Glenn and Ashley introduce this year's Charity of Choice, Hope's Legacy. Then they visit Germany with Jamie's foreign exchange student Anna and her parents. Christmas markets, Gluhwein and over $600 in prizes given away!HOLIDAY RADIOTHON 2024, HOUR 1 (HITM) – Show Notes and Links:The Radiothon Emcees: Glenn the Geek of Horse Radio Network and Ashley Winch of Sleep Stories for EquestriansGuest HRN Co-Host: Jamie Jennings of Horses in the MorningGuests: Foreign Exchange Student Anna and her parents, Yvonne and MichaelGuest: Maya Proulx - Executive Director Hope's Legacy | Hope's Legacy Equine Rescue, Inc.Guest: Courtney Thompson - Adopter of Windcries - Story on Windcries by Thoroughbred Aftercare AllianceSupport for this hour of today's special annual event provided by: State Line Tack, Kentucky Performance Products, BeneFab, and Listeners Like YouPrizes for Hour 1 provided by: Dreamers & Schemers, Kelly Herd Jewelry, Your Complete Guide to Equine Arenas, and Equine OneCharity of Choice: Hope's Legacy Equine Rescue Donation Link: A Home for Every Horse
As this podcast is being released on Thanksgiving Day Paul begins by thanking those people who choose to follow the Foundation's work, those who forward our articles, podcasts and videos to others, and those who donate time and money to the Foundation. He also addresses the challenges of living at three different homes (Bainbridge Island, Portland and Rancho Mirage) in 2024. We know some donations have been lost in the mail. Our concern is people will declare a charitable deduction that did not actually happen. By the way, the permanent address of the Foundation is now - 2445 NW Westover Road #311, Portland, Oregon 97210. Paul comments on his challenges in recommending cryptocurrency. Finally he discusses the life changing impact of goal setting. The following are articles and videos on goal setting from some of the Truth Tellers Paul recommends. Jim Dahle writes to young doctors but the information is usually good for all people who are putting together a financial plan. The Power of Focus in Your Financial Life Jonathan Clements is struggling with cancer and for anyone facing death sooner than expected, and the goal setting that might be considered, I think you will find his journey worth reading. The C Word. William Bernstein has recently updated his best selling , “The Four Pillars of Investing.” In this short introduction you will hopefully decided it's worth reading the rest of the book. Here is a podcast that you won't want to miss. Larry Swedroe is interviewed by another Truth Teller, Ben Felix and Cameron Passmore. The book they discuss has been updated since the interview. "Your Complete Guide to a Successful and Secure Retirement" is one of the best books I know for those trying to address the many important retirement goals. While Christine Benz is the Director of Personal Finance at Morningstar I thought it might be interesting to get her take on the non-financial plans we should consider. Her new book has become a best seller. How to Retire: 20 lessons for a happy, successful, and wealthy retirement.
Author Abigail Boatwright joins us to tell us about her new book called “Your Complete Guide to Equine Arenas” and Autumn Miller answers some listener questions on how CareCredit works. Plus, some Realli bAd Adz. Listen in…HORSES IN THE MORNING Episode 3509 – Show Notes and Links:The HORSES IN THE MORNING Crew: Glenn the Geek, Jamie Jennings.Guest: Autumn Miller from CareCreditGuest: Abigail Boatwright on her new book “Your Complete Guide to Equine Arenas”Follow Horse Radio Network on TwitterAdditional support for this podcast provided by Kentucky Performance Products, CareCredit, My New Horse, and Listeners Like You!Time Stamps:04:00 - Daily Whinnies16:20 - CareCredit25:10 - Abigail Boatwright36:50 - Realli Bad Adz
Author Abigail Boatwright joins us to tell us about her new book called “Your Complete Guide to Equine Arenas” and Autumn Miller answers some listener questions on how CareCredit works. Plus, some Realli bAd Adz. Listen in…HORSES IN THE MORNING Episode 3509 – Show Notes and Links:The HORSES IN THE MORNING Crew: Glenn the Geek, Jamie Jennings.Guest: Autumn Miller from CareCreditGuest: Abigail Boatwright on her new book “Your Complete Guide to Equine Arenas”Follow Horse Radio Network on TwitterAdditional support for this podcast provided by Kentucky Performance Products, CareCredit, My New Horse, and Listeners Like You!Time Stamps:04:00 - Daily Whinnies16:20 - CareCredit25:10 - Abigail Boatwright36:50 - Realli Bad Adz
Your Complete Guide to Hundreds of Goddesses Around the WorldMeet the many incarnations of the divine feminine, past and present, with this comprehensive reference guide by bestselling author Shelley A. Kaehr, PhD. Featuring more than five hundred goddesses, over forty exercises and journal prompts, and guided journeys for understanding yourself at the soul level, this book connects you with ancestral energy and can bring peace and balance to your life.Shelley first introduces you to goddesses of the ancient world, exploring Egyptian, Celtic, Greek, Norse, and Mesoamerican pantheons. She then shares the living goddesses of modern world religions―African, East Asian, Hindu, and Indigenous peoples. Each goddess entry features her keywords, categories, history, and lore. In discovering these deities, you can enliven goddess energy within you and even uncover past lives.For over twenty years, Shelley A. Kaehr, PhD has worked with thousands of people around the world helping them achieve greater peace and happiness in their lives. A renowned past life regressionist and one of the world's leading authorities on energy healing and mind-body medicine, her award-winning books have been translated into multiple languages around the world.A spiritual historian, Shelley enjoys creating content to help readers and students remember their soul histories and past lives. She coined the term Supretrovie to describe spontaneously induced past life memories and strives to develop new methods to help people resolve challenging issues that arise from these influences. She created the groundbreaking Genealogical Regression, based on her award-winning international bestseller, Heal Your Ancestors to Heal Your Life, to help seekers resolve inherited ancestral trauma. She believes we all have the power to rewrite our stories and create the life of our dreams.Connect with Dr. Shelley Kaehr via her website, PastLifeLady.com, and on Facebook, Twitter, and YouTube.Become a supporter of this podcast: https://www.spreaker.com/podcast/earth-ancients--2790919/support.
Chocolate & health 13:20 I'd really like to pack something to take with me so I can work out in the heat and keep fit. Do you have recipes that can be eaten anywhere without heating up? 20:12 How to exercise at home? At home full body workout tips ++ Your Complete Guide to Exercise https://podcasters.spotify.com/pod/show/daniel-weiss/episodes/Ep-33-Your-complete-guide-to-exercising-smart-with-K--ALeisha-Fetters--MS--CSCS-eg6eu2/a-a2jt90b All the other resources mentioned in this episode ++ Get Free Guides: https://danweiss.eu/guides Subscribe to Health, Energy, Performance newsletter: https://www.danweiss.eu/newsletter ++ About Daniel Weiss is a coach helping active individuals reach their best body, health, vitality, and performance. He helps clients find a compelling vision in pursuit of their health & fitness goals, and beyond, and create an action plan to achieve their goals. All that while they are learning about nutrition, getting deep insights about why they do what they do, and building habits to make their vision come true with the least amount of resistance. Daniel has been working with competitive athletes racing for podiums, single mother executives wanting to get in shape, as well as personal trainers wanting to give their clients better results.
In this episode, I cover the main highlights of the week of Nov. 12 - 19th, which includes a new moon in Scorpio conjunct Mars + opposing Uranus, and a Mars cazimi. This week is a true fresh start. Pre-order Your Complete Guide to the Astrology of 2024
The SECURE 2.0 Act of 2022 is a piece of legislation that passed at the end of last year and created new Roth options for business-sponsored retirement plans. There will be a new set of Roth features available for organizations that offer 401K, SEP IRA, or a simple IRA for their employees. Join us as we dive into the changes that you should know about, what additional Roth options you're going to have available at your disposal in the future, when people can expect to have these new features available, and whether it makes sense for you to offer them to your employees or take advantage of them for yourself. [05.50] A catch-up contribution – Starting the conversation, Grant explains the catch-up contribution and the changes that might happen in 2025. [10.40] The difference – Grant talks about the difference between the Safe Harbor 401(k) plan and the Safe Harbor non-elective Contribution. [16.50] (SEP) IRA & Simple IRA – Grant explains how Simplified Employee Pension and SIMPLE IRA Plans work. [23.12] Roth treatments – We discuss how Roth treatments can be a helpful tool for your employees that wasn't available before. [28.47] Opposites – Grant explains how Roth accounts are the exact opposite of deferred tax setups. Resources What You Need to Know About the SECURE Act 2.0 lordabbett.com/en-us/financial-advisor/insights/retirement-planning/what-you-need-to-know-about-the-secure-act-2-0.html SECURE 2.0 Act of 2022 Title I – Expanding Coverage and Increasing Retirement Savings finance.senate.gov/imo/media/doc/Secure%202.0_Section%20by%20Section%20Summary%2012-19-22%20FINAL.pdf Your Complete Guide to the SECURE 2.0 Act of 2022 adp.com/spark/articles/2023/04/your-complete-guide-to-the-secure-20-act-of-2022.aspx
Your Complete Guide to Digestive Health PART 2
Your Complete Guide to Digestive Health PART 1
Your Complete Guide to Mastering Property Damage Appraisals in 2023 Welcome public adjusters and other insurance claims professionals! This week's episode of the Commercial Claims Show is brought to you by Black Diamond Housing Services, The Farber Law Firm, Iink, and Noble Tax Strategies. In this week's eye-opening YouTube video, you will delve deep into the world of property damage appraisals, and access the needed knowledge and expertise to conduct a successful appraisal. Firstly, you will learn what appraisals are, and how they differ from mediation and arbitration.
It's time to look at the school calendar and pencil in some fun! In this week's episode, Jordan shares 12 fun school event ideas for class incentives, student rewards, spirit weeks, theme days, and community builders. 12 ideas you and your team can put together to incentivize and celebrate your school communities. The best part is they are all quick, easy, and super budget-friendly! We have included three ideas for fall, winter, and spring, and a few that can work any time of the year. Feel free to use these as inspiration and build upon them to make something great on your campus. Links: Want to know more about running Fun School Events? Then you should check out the inspiration for this episode: 12 Fun School Event Ideas Students (& Teachers) Will Love, Three Fun Ways to “Level Up” Your Student Reward Events, & Your Complete Guide to Rewarding Students for Positive Behavior. You can also subscribe to our Newsletter: The LiveSchool Leader by clicking here! Want to see our smiling faces? Subscribe to our Youtube Channel Or Follow us on Instagram: @getliveschool And TikTok: @whyliveschool --- Send in a voice message: https://podcasters.spotify.com/pod/show/the-liveschool-podcast/message
March 1 through March 4, I attended the White Coat Investor Conference (WCICON 2023). On the 2nd, I made a 2 hour presentation focused on "How to Create and Execute a Lifetime Investment Strategy". I was thrilled with the turnout and positive feedback. I also received many questions in the following days. The following are some of the many questions. More to come in the future. It was a wonderful conference. I want to thank Katie and Jim Dahle for putting on one of the best conferences I have ever attended. Here are the questions addressed on this podcast: 3:40 1. Why do value companies make more money than growth companies? The answer includes comments from a 1997 article by Eugene Fama and Kenneth French. Rethinking Stock Returns https://www.chicagobooth.edu/review/rethinking-stock-returns 14:55 2. How much small cap value should I add to my target date fund? 19:30 3. How much small cap value should I combine with my Vanguard Total Market Fund? In this article Table B14A is referenced. https://paulmerriman.com/wp-content/uploads/2022/04/SCV-vs-SP500-Fine-Tuning-Table-2022-v0.2.pdf 22:19 4. What is the difference between the expected long term returns of the S&P 500 (VOO) and the Total Stock Market (VTI)? 25:40 5. There are a lot of different small cap value funds. Which one do you recommend at Vanguard? 28:45 6. Should I put small cap value in my taxable, Roth IRA or 401k? Larry Swedroe's, “Your Complete Guide to a Successful & Secure Retirement” is recommended as a great source of important investment advice. 33:25 7. What do you think of being all equity all the time? I mean for the rest of my life. 38:54 8. I'm 38 and a fairly aggressive investor. I want to build a do it yourself custom target date fund. While I did not mention our custom ETF Allocation Calculator listeners should check it out. https://paulmerriman.com/custom-etf-allocation-calculator/ 45:55 9. You have portfolios that are all small cap value and another that is a combination of small and large cap value. The returns for all small cap value are almost one percent higher. Why not just use an all small cap value portfolio? Sound Investing Quilt Charts 49:30 10. What strategy would you recommend with 5 to 7 years until retirement? More of the WCI questions will be answered in the coming weeks.
In this episode, we speak with Andy Berkin, Head of Research at Bridgeway and co-author of "Your Complete Guide to Factor Investing: The Way Smart Money Invests Today." We cover a wide range of factor investing topics, including the future of value investing, composites vs. individual metrics, the different approaches to multi-factor investing and factor timing. We also talk about how his background in Physics has helped him in his investing career, how investors should look at inflation and a lot more. We hope you enjoy the discussion. SEE LATEST EPISODES https://www.validea.com/excess-returns-podcast FIND OUT MORE ABOUT VALIDEA https://www.validea.com FOLLOW OUR BLOG https://blog.validea.com FIND OUT MORE ABOUT VALIDEA CAPITAL https://www.valideacapital.com FOLLOW JACK Twitter: https://twitter.com/practicalquant LinkedIn: https://www.linkedin.com/in/jack-forehand-8015094 FOLLOW JUSTIN Twitter: https://twitter.com/jjcarbonneau LinkedIn: https://www.linkedin.com/in/jcarbonneau
This week we're releasing another hot topic episode all about avoiding binge eating when breaking your fast! In today's podcast I share three tips on how to exercise portion control by not letting yourself go hungry, breaking your fast with a salad or non-starchy vegetables, and the importance of meal order. Here is what is covered in this week's episode: [3:55]- The fall session of my 8 week course Finding Nutritional PEACE all about reversing insulin resistance is already half way done! Although I will not be offering this course in 2022 again, you can get on the waitlist for January 2023 when it opens here. If you are on the waitlist, you will be provided with a discount when enrollment opens. [5:56]- I released a new FREE protein guide! You can access Your Complete Guide to Meeting Protein Targets here! [7:48]- Tip #1: Do not let yourself get so hungry! Exercising an early fasting window may have an advantage People tend to more more insulin sensitive in the morning Sleep quality may increase when the body is not digesting food as it begins to rest and recover [12:11]- Tip #2: Break your fast with a salad! Non-starchy vegetables also break the fast well High fiber foods reduce the glucose response Vinegar before a meal helps to decrease blood sugar even further [15:14]- Tip #3: Meal order is so important! Break your fast with a high fiber food or non-starchy vegetables Then, protein and fat Finally, end meal with scratches or sugar FOLLOW ME ON: Instagram: @shana.hussin.rdn Facebook: Fast To Heal With Shana Hussin Website: https://www.fasttoheal.info/ ADDITIONAL LINKS: BE ON THE PODCAST by emailing support@fasttoheal.info and sharing your story of how Fast to Heal Services have changed your life! ENROLL IN FAST TRACK, my monthly membership program for onging learning, support, and accountability. GRAB YOUR COPY of the Fast To Heal Recipe book with 85 low-carb, whole food recipes that are simple to prepare! GET YOUR FREE STARTING GUIDES that will set you well on your way toward a low-carb lifestyle of timed eating! SCHEDULE A PERSONALIZED SESSION if you are stuck in a rut, or suffer from a stubborn case of obesity, Type 2 diabetes, or metabolic illness. JUMPSTART your fasting and low-carb protocol by enrolling in my 10-Day Hormone Healing Jumpstart! ENROLL in Metabolic Makeover, my STARTER COURSE to find your fasting method, implement therapeutic carb restriction, and learn how to bust through weight and health stalls. I provide 4-Week Personalized Protocols with fasting/timed eating and therapeutic carb restriction recommendations for you to get immersed in a low-insulin lifestyle!
Paul Merriman, Chris Pedersen and Daryl Bahls each share his studies and comments about rebalancing a portfolio—how often, how much change before rebalancing, and when does it make sense not to rebalance? They also answer listener/viewer questions and Paul makes a special offer for a free chapter from Larry Swedroe's book, Your Complete Guide to a Successful & […] The post How To Rebalance Your Portfolio appeared first on Paul Merriman.
Paul Merriman, Chris Pedersen and Daryl Bahls each share his studies and comments about rebalancing a portfolio—how often, how much change before rebalancing, and when does it make sense not to rebalance? They also answer listener/viewer questions and Paul makes a special offer for a free chapter from Larry Swedroe's book, Your Complete Guide to a Successful & Secure Retirement. (See details in ‘Links' below). Q&A Which asset classes should be in taxable accounts and which in tax-advantaged accounts? To answer this oft-asked question, Paul recommends Larry Swedroe's book, Your Complete Guide to a Successful & Secure Retirement and encourages investors to read Chapter 10 from the book, “The Asset Location Decision." See “Links” below for details to buy the book and access the free chapter. “Is there a rebalancing bonus?” Chris answers this question and illustrates his answer with the chart, “Is There a Rebalancing Bonus? … Not Much.” See this chart and others mentioned below. “I want to help my 36-year-old daughter establish a retirement portfolio. What do you think of using Vanguard Life Strategy Moderate Growth Fund (VSMGX)?” Chris answers by suggesting a better answer may be a Target Date Fund and shows the Vanguard Target Date Fund Glidepath. See this and other charts and tables mentioned here. “Can I expect to invest in the funds you recommend today and hold them for the rest of my life?” Daryl's answer is yes, using our 4-Fund portfolio. He shows why by comparing the Total Market Index funds to our “No-Nonsense Portfolios” in Table 1a: “No-Nonsense Portfolios for Sound Investing: Equity Asset Allocation” and Table 2a.1, which shows “Comparison Data,” drawing special attention to our U.S. Only 4-Fund Portfolio over the Total Market Index and S&P 500. Daryl also offers a third Table, “No-Nonsense Portfolio Performance Rankings by Decade (1970-2021). See these and all charts and tables mentioned here. MORE LINKS Rebalancing: The implications of adding a small amount of small-cap value to a Total Market Index portfolio. See this Table. You can get your copy of Larry Swedroe's book, Your Complete Guide to a Successful & Secure Retirement at: https://amzn.to/3gb3noz. If you purchase via our link, it may result in our Foundation receiving a small commission that supports our financial education outreach at no additional cost to you. Read this FREE chapter from Larry's book, “The Asset Location Decision,” courtesy of Mr. Swedroe and publisher Harriman House.
Riley Pearce of Free Form Fitness offers a complete guide to post-workout snacks. This is part 2 of 2. Episode 1793: [Part 2] Your Complete Guide to Post-Workout Snacks by Riley Pearce The vision behind Free Form Fitness is to create a fitness company that is so much more than just a gym that offered personal training. They've created a holistic approach that includes the many facets of a healthy life well-lived. Their time-tested pillars: nutrition, accountability and fitness are just three of the areas their incredible personal trainers focus on, and they are designed to change your life forever. The original post is located here: https://freeformfitness.ca/your-complete-guide-to-post-workout-snacks/ Indeed, the number one source of hires in the U.S., delivers 1.5x more hires than even internal referrals, according to TalentNest. Get started now at Indeed.com/HEALTH. Visit Me Online at OLDPodcast.com Interested in advertising on the show? Visit https://www.advertisecast.com/OptimalHealthDailyDietNutritionFitness Learn more about your ad choices. Visit megaphone.fm/adchoices
Riley Pearce of Free Form Fitness offers a complete guide to post-workout snacks. This is part 2 of 2. Episode 1793: [Part 2] Your Complete Guide to Post-Workout Snacks by Riley Pearce The vision behind Free Form Fitness is to create a fitness company that is so much more than just a gym that offered personal training. They've created a holistic approach that includes the many facets of a healthy life well-lived. Their time-tested pillars: nutrition, accountability and fitness are just three of the areas their incredible personal trainers focus on, and they are designed to change your life forever. The original post is located here: https://freeformfitness.ca/your-complete-guide-to-post-workout-snacks/ Indeed, the number one source of hires in the U.S., delivers 1.5x more hires than even internal referrals, according to TalentNest. Get started now at Indeed.com/HEALTH. Visit Me Online at OLDPodcast.com Interested in advertising on the show? Visit https://www.advertisecast.com/OptimalHealthDailyDietNutritionFitness Learn more about your ad choices. Visit megaphone.fm/adchoices
Riley Pearce of Free Form Fitness offers a complete guide to post-workout snacks. This is part 1 of 2. Episode 1792: [Part 1] Your Complete Guide to Post-Workout Snacks by Riley Pearce The vision behind Free Form Fitness is to create a fitness company that is so much more than just a gym that offered personal training. They've created a holistic approach that includes the many facets of a healthy life well-lived. Their time-tested pillars: nutrition, accountability and fitness are just three of the areas their incredible personal trainers focus on, and they are designed to change your life forever. The original post is located here: https://freeformfitness.ca/your-complete-guide-to-post-workout-snacks/ Indeed, the number one source of hires in the U.S., delivers 1.5x more hires than even internal referrals, according to TalentNest. Get started now at Indeed.com/HEALTH. Visit Me Online at OLDPodcast.com Interested in advertising on the show? Visit https://www.advertisecast.com/OptimalHealthDailyDietNutritionFitness Learn more about your ad choices. Visit megaphone.fm/adchoices
Riley Pearce of Free Form Fitness offers a complete guide to post-workout snacks. This is part 1 of 2. Episode 1792: [Part 1] Your Complete Guide to Post-Workout Snacks by Riley Pearce The vision behind Free Form Fitness is to create a fitness company that is so much more than just a gym that offered personal training. They've created a holistic approach that includes the many facets of a healthy life well-lived. Their time-tested pillars: nutrition, accountability and fitness are just three of the areas their incredible personal trainers focus on, and they are designed to change your life forever. The original post is located here: https://freeformfitness.ca/your-complete-guide-to-post-workout-snacks/ Indeed, the number one source of hires in the U.S., delivers 1.5x more hires than even internal referrals, according to TalentNest. Get started now at Indeed.com/HEALTH. Visit Me Online at OLDPodcast.com Interested in advertising on the show? Visit https://www.advertisecast.com/OptimalHealthDailyDietNutritionFitness Learn more about your ad choices. Visit megaphone.fm/adchoices
Ashley Lawrie of Free Form Fitness offers a complete guide to the 3 body types Episode 1778: Your Complete Guide to the 3 Body Types by Ashley Lawrie of Free Form Fitness The vision behind Free Form Fitness is to create a fitness company that is so much more than just a gym that offered personal training. They've created a holistic approach that includes the many facets of a healthy life well-lived. Their time-tested pillars: nutrition, accountability and fitness are just three of the areas their incredible personal trainers focus on, and they are designed to change your life forever. The original post is located here: https://freeformfitness.ca/your-complete-guide-to-the-3-body-types/ Zocdoc is a FREE app that shows you doctors who are patient-reviewed, take your insurance and are available when you need them. Go to Zocdoc.com/OHD Visit Me Online at OLDPodcast.com Interested in advertising on the show? Visit https://www.advertisecast.com/OptimalHealthDailyDietNutritionFitness Learn more about your ad choices. Visit megaphone.fm/adchoices
Ashley Lawrie of Free Form Fitness offers a complete guide to the 3 body types Episode 1778: Your Complete Guide to the 3 Body Types by Ashley Lawrie of Free Form Fitness The vision behind Free Form Fitness is to create a fitness company that is so much more than just a gym that offered personal training. They've created a holistic approach that includes the many facets of a healthy life well-lived. Their time-tested pillars: nutrition, accountability and fitness are just three of the areas their incredible personal trainers focus on, and they are designed to change your life forever. The original post is located here: https://freeformfitness.ca/your-complete-guide-to-the-3-body-types/ Zocdoc is a FREE app that shows you doctors who are patient-reviewed, take your insurance and are available when you need them. Go to Zocdoc.com/OHD Visit Me Online at OLDPodcast.com Interested in advertising on the show? Visit https://www.advertisecast.com/OptimalHealthDailyDietNutritionFitness Learn more about your ad choices. Visit megaphone.fm/adchoices
This is the episode you've been waiting for spa owners : )Kay and Shannon are the co-founders of Body Contouring Academy, Sculpt Away Body Shaping Beauty Lounge in San Antonio, TX (which generated 7 figures their first year in operation) and the co-authors of Body Contouring 101: Your Complete Guide to Getting The Body You Want Without Surgery.This episode covers the three secrets to their success in their first year that led to them generating over a million dollars in revenue.Secret #1 → The Systems for Scale The marketing messaging.Scripts and how to preserve control with our staff without giving up their autonomy to be themselves.Secret # 2 → Results The secret to life-changing patient outcomes.Secret #3 → The Art of Follow up Visits How to architect your steps, the art of asking for a review/video testimonial, the art of conflict resolution.Learn how to use video testimonials to grow your medical spa HERELearn how to get amazing results with your equipment HEREGet the Holistic Lymphatic Cheat Sheet HEREConnect with Kay and Shannon at https://bodycontouringacademy.com/Connect with us on Youtube HERE or at artemis.co
Erin brings on her friend and colleague, Steffi Edwin, from Jolie Sleep Consulting, to share all about awake windows! In this episode, they go over: -what are wake windows and the different terminology that's used -why wake windows are important to know about -the science behind homeostatic sleep pressure -Steffi's "Master Sleep Chart" -Erin's "Your Complete Guide to Awake Windows" -Tips for watching sleepy cues, when to switch to a by-the-clock schedule, and list engaging activities to help stretch your baby's wake window Connect with Steffi at joliesleep.com and on Facebook and Instagram. Check out more resources at lakecountrysleep.com and follow us on Facebook and Instagram!
Erin teaches about the Eat-Play-Sleep routine and how it promotes your baby's overall health and wellbeing, what we should strive for as parents. She shares where this idea came from -the book, On Becoming Babywise (also referred to as "Babywise"), and reads a few excerpts from the book, authored by Robert Bucknam, M.D., and Gary Ezzo, M.A. Also mentioned in the episode is a previous episode about secure attachment and promoting that with your child. Listen here. And a free download available for parents - Your Complete Guide to Awake Windows. Erin uses the Eat-Play-Sleep routine in her LCS Newborn Sleep Guide - purchase yours now for only $29. For more sleep resources or to work with Erin or Andrea one-on-one, visit lakecountrysleep.com. Follow along @lakecountrysleep.
Your Complete Guide to Becoming A Mortgage Broker, hosted by Sarah Tucker & Sonya Matharu of The Mortgage Mum. Tuesday 22nd February 2022 at 10am-1pm. Ever wondered what it's REALLY like to be a mortgage broker? Not sure if mortgage broking is for you? Thinking of a career change but afraid to commit to studying? Do you wish you could try it out before you take a leap of faith? Then this course is for you… You may already be studying your CeMAP or not even know what the CeMAP qualification is…. Mortgages are a minefield, but so is starting out as a mortgage broker! Which is why Sarah Tucker and Sonya Matharu and have created this exclusive course for you…. ABOUT YOUR HOSTS: Sarah Tucker and Sonya Matharu are household names in the mortgage industry, winning the prestigious MI Awards for “Best Individual Broker” and “Best New Broker” as well as “Business Leader of the Year”, “Best Newcomer” and “Mortgage Broker of the Year” in 2021. They are committed to using their voices to enhance the mortgage industry by welcoming in and inspiring new talent, removing the stereotype of a “mortgage broker”. “Financial Services was previously a space that was intimidating (and still is to many) and we have certainly felt this as young women. We are re-designing the space in The Mortgage Mum to ensure no one else feels this way, whether you are an aspiring broker or a future client.” ABOUT THE MORTGAGE MUM: The Mortgage Mum is an Award-Winning mortgage broking firm with a difference. At the core of their creation was a desire to create a safe space for women in the mortgage industry. A space that combined world leading customer service, wellbeing at the heart of its culture, flexible working, and a unique management and training style that suited “the modern parent”. The London Institute of Banking and Finance has commended The Mortgage Mum on their commitment to bringing new talent into our industry, and for the training they receive on arrival. “We know exactly how to support brokers, from taking their CeMAP exams to virtually sitting beside them as they submit their first mortgage application. The industry is widely criticised for the lack of support for new brokers, and we believe we are at the forefront of this change and will be used as the benchmark for other firms. Your Complete Guide to Becoming A Mortgage Broker – what's involved? Introductions Overview of the Qualification Guidance for when you're qualified An Expert-led workshop on Mortgage Broking Exclusive “Behind the Scenes” of life as a mortgage broker Interactive Session: How to place a Mortgage Q&A Investment: £299 This is an exclusive “try before you buy” and you will come away from the course with a true insight into whether this is the next career move for you, along with exclusive interview preparation questions and answers and a guaranteed spot on a future recruitment day with The Mortgage Mum. We can't wait to invest OUR time into YOUR futures! HOW TO SECURE YOUR PLACE Email Lauren@themortgagemum.co.uk to request booking information. BOOK YOUR PLACE NOW! Join us live here: https://themortgagemum.co.uk/your-complete-guide-to-becoming-a-mortgage-broker/
In this episode, Erin brings on Tara Hess from Tulsa Pediatric Sleep Consulting. In the episode they talk about: -Tara's experience with her daughter as a colicky baby -what defines or categorizes a baby as "colicky" -strategies that *might* help -how long it might last - there is an end in sight! Hang in there! -how this experience has helped Tara in her own sleep consulting business If you're a parent looking for a place to connect, grow, learn, and get some sleep expertise from a sleep consultant & early childhood educator, you are in the right place! Erin, boy-mom, avid coffee drinker, and your sleep bestie is an expert in child development and infant, toddler, and preschooler sleep. In the show, she discusses all things motherhood & parenting with experts from around the world, and gives moms a platform to share their own journey through parenthood. Connect with Tara at @tulsapediatricsleep on Instagram, Facebook, and Pinterest. Grab Erin's free "Your Complete Guide to Awake Windows" mentioned in the show here. For more sleep tips check out @lakecountrysleep or www.lakecountrysleep.com.
Jordan and Leann wrap up the zodiac with Virgo and learn all about these clean little perfectionists. Contact Us Twitter: @byscorpios Instagram: @byscorpios Email us at ForScorpiosByScorpios@gmail.com Follow Jordan on Twitter: @KeyTenavast Art by Kelsey Heaton: @kelsey.heaton on Instagram NEW! BUY OUR MERCH! Timestamps 1:39 -- What's Leann Watching Now? Legend of Korra SPOILERS 4:58 -- Jordan's Take on The Circle 6:40 -- Guess the Virgo: The Chrises Edition 12:00 -- Daily Horoscopes 19:28 -- Five (Vaccine) Shot Library Patron 21:52 -- VIRGOS 24:11 -- Mythology of Virgo 31:37 -- Art History Corner 39:00 — astronomy of Virgo 41:30 — astrology of Virgo 50:00 — Virgo sun 52:40 — Virgo moon 54:00 — Virgo rising 56:02 — parts of the body 61:00 — wrap up Bibliography Virgo (constellation) | Wikipedia This Is the First Picture of a Black Hole — And That's a Big, Even Supermassive, Deal | TIME Just For Fun / The Troper Astrology Primer | TVtropes.org Your Complete Guide to The Virgo Rising Sign | TrustedPsychicMediums.com You Were Born For This by Chani Nicholas The Secret Language of Astrology by Roy Gillett
Episode 38- A Jingle Quiz, Your Complete Guide to The Bridgertons and lots of laughs!
Pros in every field will tell you that confidence is a huge part of earning more money. But what happens when life delivers blow after blow? We've been there ourselves, and so has our guest, Harma Hartouni, who moved to America with his family and was flat broke. Much of his story stems from a childhood relationship with a dad that was less than perfect (to put it mildly). While this is not a direct rags-to-riches story, things started to turn around for Harma, and he now runs one of the top real estate firms in Southern California, along with having a passion for sharing his life experiences for others to learn from. Today Harma shares his compelling story of perseverance, confidence, and learning lessons from horrible experiences instead of falling back on them as a crutch, like so many do. Blackrock Cuts ETF Fees Cut to Near Zero Lower fees... hooray! Right? The race to zero fees continues with BlackRock's latest move to drop ETF fees, which is the lastest blow in their fight for assets with Vanguard. While we aren't complaining about more money in your pocket, the slashed fees leave us with a lingering question: what exactly should investors want when it comes to their strategy? Beyond the latest flashy headline of the week, what's your framework for making investing decisions? Top Mistakes People Make When Planning for Retirement Have you made your portfolio more conservative to soothe your market volatility fears? Larry Swedroe recently shared some big retirement planning mistakes which could cost you millions of dollars in missed opportunity. The Your Complete Guide to a Successful and Secure Retirement author (and previous Stacking Benjamins guest) brings some good points to the table, and Joe and OG share some math scary enough to make you think twice before slowing things down. Not All Products Are Meant for You We're mixing things up with today's Haven Life Line. Margaret saw a video online that's filled with mostly good advice, but sneaks in a "secure compound interest account" comment at the end of the clip. What's the deal? Joe and OG share exactly what this account actually is, and give some frank advice for people who may be considering investing. Enjoy!
Welcome to Episode 44 of Retire Me! In the world of enterprise technology, businesses want proof that the solutions they are buying will perform as expected. They look for research, they test solutions to make sure they are compatible with their environment, and they build business cases based on their findings. These steps help businesses make good decisions. When I discovered factor investing in 2017, it made sense that investment decisions should be carried out the same way as big business decisions. Asking questions like: What is the evidence that supports our decision making? The data robust and reliable? Can we implement it in a way that fits my life and my goals? Can I expect a relatively better ROI on this approach over decades, versus other alternatives? Over the next 4 weeks, we will: Introduce factor investing more in depth Explain the main factors that drive investment returns Explain how factors can be implemented Offer some pros and cons and reasons why you may want to either pursue or avoid a factor investment strategy Most of the content for these episodes is inspired and heavily sourced from Larry Swedroe and Andrew Berkin's book: "Your Complete Guide to Factor Based Investing" Your Complete Guide to Factor-Based Investing: The Way Smart Money Invests Today: Berkin, Andrew L, Swedroe, Larry E: 9780692783658: Books - Amazon.ca The design point of these episodes is to explain factors in "Plain English". Some of the research is a little wonky, so I have done my best to condense and simplify wherever possible. If you have questions or clarifications, please message me or send an email to retirempod@gmail.com Show notes will be up on my blog at www.walhoutfinancial.ca/podcast Enjoy!
For long term investing (retirement investing, for example), many people will use an asset allocation that is somewhere between 70% and 100% in a portfolio of equities. They may trim that back as they approach retirement, moving to a portfolio that is between 40% and 60% in equities. The design of a portfolio like this is to create an income for a long period of time. Picture a bucket of water that you slowly draw from, a cup at a time, for 40 years or more. But how do you build a portfolio for a fixed spending goal? What if you have a big purchase coming up in 10 years? It's long enough that you think you can take some risk and you want the money to grow. Picture a bucket of water that you are going to tip over and empty all on the same day. It changes how you can invest. In this podcast I walk through an approach from Larry Swedroe in his book "Your Complete Guide to a Successful and Secure Retirement". Larry outlines different % equity allocations based on how far out your financial goal is. Detailed notes and charts are available on my blog at www.walhoutfinancial.ca/podcast Enjoy!
This “Money Talks” event brought together Rick Ferri, Larry Swedroe and Paul Merriman to discuss personal finance and investing from their various perspectives. It was a free live online event hosted by Choose FI’s Community Director Jennifer Mah on Oct. 7, 2020. Due to length of the conversation, we are presenting it in two parts. Here are some of the diverse topics covered. You can access Part 1 here for Video and here for Podcast. Rick discussed the 4 levels of getting to investment nirvana. Larry recommended anyone getting ready for retirement read Your Retirement Quest: 10 Secrets for Creating and Living a Fulfilling Retirement by Alan Spector and Keith Lawrence. Rick Ferri, CFA, is an investment analyst, adviser and author committed to helping DIYers. He is the president of the John C. Bogle Center for Financial Literacy, a frequent contributor to Bogleheads.org and host of the Boglehead podcast. Larry Swedroe is one of the most knowledgeable people I know about asset class selection and asset allocation, and the author of many acclaimed books including Your Complete Guide to a Successful and Secure Retirement 1st Edition by Larry Swedroe (Author), Kevin Grogan, Wise Investing Made Simple: Larry Swedroe's Tales to Enrich Your Future (Focused Investor), and his recent release of the 2nd edition of The Incredible Shrinking Alpha: How to be a successful investor without picking winners. This podcast is also available as a Video.
Today, Debbie talks to Kerry Hannon, author of the new and well-timed Great Pajama Jobs: Your Complete Guide to Working from Home. Kerry is the author of 14 books and an expert on career transitions, entrepreneurship, personal finance, and retirement. She writes regularly for The New York Times, MediaWatch, Forbes and other media outlets, including NextAvenue.org.Kerry answers the question: will we ever return to the office or is remote working here to stay? Debbie wishes WFH (working from home) had been an accepted phenomenon decades ago when she had small children.Kerry shares some key skills that can make working from home more effective (good communication, discipline, technical literacy) as well as tips for older and more experienced workers, including the semi-retired. She makes the point that work is not just about the money.They also talk about ageism, still a pervasive issue in the workplace, and how remote work might alleviate it by focusing attention on performance and productivity.Finally, they talk about one of Kerry's favorite topics: cultivating resilience by learning new skills. Expand your brain, she says. Adopt a beginner’s mind, stay open, and take risks. Consider living and working in a foreign country that is welcoming to location-independent workers. Perhaps not compatible with our pandemic world right now, but travel and living somewhere else are often part of a gap year dream. Mentioned in this episode or useful:kerryhannon.comGreat Pajama Jobs, Your Complete Guide to Working From Home (Wiley, 2020)To Build Emotional Strength, Expand Your Brain by Kerry Hannon (NYTimes, Sept. 2,2020)Can Working Remotely Beat Ageism? (Retirement Wisdom podcast, Sept. 26, 2020)Dorie ClarkSimon SinekChip Conley LinkedIn Learning A few job boards recommended by Kerry:FlexJobsWAHVE (Work at Home Vintage Experts)Working Nomads Places Kerry recommends to work remotely (once the pandemic is over):EstoniaMexico CityMedellín, Columbia We are looking for a sponsor. If you are interested in reaching a smart and thoughtful audience of midlife, and older, listeners, contact Debbie Weil. Media PartnersNext For MeEncore.orgMEA Support this podcast:Leave a review on iTunes: it will help us find a sponsor! If you are interested, contact Debbie WeilSubscribe via Apple Podcasts, Google Podcasts, Stitcher or Spotify Credits:Host: Debbie WeilProducer: Far Out MediaPodcast websiteMusic: Lakeside Path by Duck Lake Connect with us:Email: thegapyearpodcast@gmail.comTwitter: @debbieweilInsta: @debbieweilDebbie Weil and Sam Harrington's blog: Gap Year After Sixty
This is the second of three Q&A sessions with Paul Merriman, Chris Pedersen, Director of Research, and Daryl Bahls, Director of Analytics with The Merriman Financial Education Foundation. It is a follow-up to Paul's webinar, “Which Is The Best 1-,2-, 3- and 4 Fund Strategy?” sponsored by the American Association of Individual Investors (AAII) on Sept. 23, 2020. At the end of that presentation, Paul was joined by Chris and Daryl to address questions for 30 minutes. As there were many more questions than time permitted answering, this podcast — also available as a video — continues to address those audience questions. In this Q&A session, the three “conflict-free teachers” dive into these big topics: • Equity asset class selection • Comparing returns • Dollar-cost averaging • Sequence returns and risks in accumulation and distribution stages Questions addressed include: - Why don’t you include small and large growth in your recommendations? - Gold and commodities: why not? - What’s the value of adding international funds? - Does it matter whether you use Vanguard or Fidelity Funds? - Do you use Portfolio Visualizer to understand the factor weighing of your portfolio? - How do your “Best in Class” ETFs, that duplicate DFA’s, compete with Vanguard? - Which strategies are better when you consider tax implications of rebalancing? Paul answers this last question briefly, citing from and recommending DIYers read “Your Complete Guide to a Successful and Secure Retirement” by Larry Swedroe and Kevin Grogan. Click here to download the pdf presentation, with enormous thanks to Daryl Bahls, our Director of Analytics, for his insightful Tables. Find links to the various tables and strategies mentioned at: https://paulmerriman.com/pauls-important-advice/
In today's episode of Career Diaries with me, Snigdha Suvarna, I interviewed Christy Noel an award-winning marketing executive and the SVP of Marketing at MobileCause (a leading fundraising and communications software provider for nonprofits). Christy is also the author of Your Career Survival Guide: How To Get And Keep A Job In Times Of Crisis to help professionals navigate their careers to survive and thrive during crises, such as COVID-19. Christy is also, along with her dad, the author of Your Personal Career Coach: Real-World Experiences for Early Career Success coming in Summer 2020. After working their way up the corporate ladder in their respective fields, the two Noels joined forces to spare young professionals the steep learning curve and bumps they encountered. Christy shares stories of her career to help the next generation get hired, get ahead and build a rewarding career. Free Copy of "Your Complete Guide to Cover Letters": https://www.subscribepage.com/coverletter Stay Up to Date with Christy Noel Here: Christy Noel's IG: https://www.instagram.com/christynoelcareercoach/ Christy Noel's Website: https://christynoel.com Stay Up to Date with Career Diaries Here: Career Diaries Podcast IG: www.instagram.com/careerdiariespodcast/ Snigdha's IG: www.instagram.com/snigdhasuvarna/ Become a supporter: www.anchor.fm/snigdha-suvarna/support
Dr. Scott Dell with Francis Marion University in South Carolina joined us for this episode of Where Accountants Go, the Accounting Careers Podcast. Everyone says they want “variety” in their careers, but I will challenge you to find a career with more variety than Scott's. In this episode we touch on entrepreneurship in many, many industries, public accounting, teaching, and even a little industry accounting as well. Dr. Dell started his career in public accounting, but quickly realized that he wanted something different. Fast forward a few years and he was well into his entrepreneurial journey. Scott's background is so diverse that I'm sure we missed a few things, but his business endeavors include training in the IT space, a cheesecake restaurant, and owning a Dish Network sales company to name just a few. However, one theme that runs through all of it is that he enjoys teaching. He started as an adjunct professor many years ago and has continued to enjoy teaching throughout his career. He has been the Accounting Program Director for another university in the past, and most recently had joined Francis Marion University as an accounting professor in 2019. A few of Dr. Dell's more recent endeavors include… Joining the founder of Sylvan Learning Centers as a partner in a new venture helping job seekers make a “killer” first impression when asked the question “Tell me about yourself”: www.IntroEDGE.com A new start-up venture in the job search space: MyCareerOpportunity.com A new book, “Your Complete Guide to Succeeding With LinkedIn”. Visit Amazon for more details: https://www.amazon.com/Your-COMPLETE-Guide-SUCCEEDING-LinkedIn/dp/B08B37VVV1/ref=sr_1_3?dchild=1&keywords=scott+dell&qid=1592921987&sr=8-3 If you would like to connect with Dr. Scott Dell, please connect on LinkedIn: https://www.linkedin.com/in/scottdell/ PS: Make sure you check out the Harley picture as well… yet another of Scott's interests.
While the coronavirus pandemic has changed everyone’s life — and hopefully without illness or loss — for The Merriman Financial Education Foundation it has been a huge game changer, in a very good way. In this podcast Paul shares some new ways he’s able to serve more investors and he answers seven questions from his listeners and readers. 1. Can you discuss the funds to hold in different types of investments, like Roth and regular IRAs, 401ks and taxable accounts? 5:00 2. I have several accounts. Should I try to build your Ultimate Buy & Hold portfolio in each account or build it with 3 or 4 funds per account? 12:35 3. As a 28-year-old investor with a 40-year time horizon, why shouldn’t I put all my investments into more volatile funds, like U.S. and international small cap value and emerging markets, rather than all 10 asset classes in the Ultimate Buy and Hold Strategy? 15:20 4. Many academic studies, as well as your advice, show strong correlation between low expense ratios and mutual fund performance. Your mutual fund and ETF recommendations largely include funds with low expense ratios, however the "International Small Cap Value" asset class ETF (DLS) has a higher expense ratio (0.58%) than I would like. In order to minimize investment expenses, would you recommend substituting another similar investment with a lower expense ratio? I am considering international small cap (VSS - 0.11% ER) or Vanguard Total International Index Fund (VTSNX - 0.08% ER) as a substitute. 18:00 5. Why should we think that HISTORY is the best source of guidance for asset class allocation? Your recommendations for both the "Ultimate Buy and Hold" and the “Two Funds for Life" look to history for efficient asset class weightings. The other source that could be looked to is THE MARKET. It seems that The Market includes all the historical information, as well as the wisdom and knowledge of Paul Merriman, Warren Buffet, all the academic research, all the hedge fund managers, all the mathematicians with supercomputers, etc. Also, in some instances, The Market seems to give a more credible answer than History. For example, history shows bonds returned 6% annually, but the market shows bonds will return about 1.5% going forward. 23:05 6. How can you justify investing in a market that is highly likely to go down due to the coronavirus, coming recession, 30% unemployment, historically high P/E ratios and sky high debt? 37:50 7. What are the likely losses investors must expect in the market? 48:55 Mentioned in this podcast: "Your Complete Guide to a Successful & Secure Retirement by Larry Swedroe and Kevin Grogan Choose FI Seattle Zoom Meetup, Saturday May 16. link to Kelly Cannon’s list of topics Join 20,000+ savvy investors and receive Paul’s free twice-a-month newsletter. Sign up now Plus visit Paul's website for NEW VIDEOS: “12 Million-Dollar Decisions Guaranteed to Change Your Financial Future” and Chris Pedersen’s “Two Funds for Life”.
Welcome to Episode 17 of Retire Me. Today, we discuss Larry Swedroe's new book "Your Complete Guide to a Successful and Secure Retirement". Larry is a prolific author and practitioner in the investment and retirement space. We talk about the key elements to a successful retirement. This list has nothing to to with numbers and figures. It has everything to do with your passions, your purpose, and your growth. It applies to retirees, and to anyone who wants to build a purpose-driven life. I also introduce a 9 part series entitled "Key Questions for Long Term Investors" where I lay out my investment philosophy. This will dovetail into a longer series I'm going to do on factor investing, and form the foundation for a weekly segment I will do on investments going forward. Detailed links and show notes will be posted to my blog at www.walhoutfinancial.ca/retire-me shortly. Thanks for listening, Mark
Taxes for your cleaning business you pay on an annual basis. But taxes for house cleaners can get messy if you don't track your expenses. #AngelaBrown encourages each cleaning business owner to "know your numbers." You can track your daily job expenses with https://HousecallPro.com/Angela There are other SAAS (Software as a Service) products that can help you like QuickBooks and TurboTax. Learn to take standard deductions when you pay your house cleaning taxes. Today's #AskaHouseCleaner sponsors are Savvy Cleaner Training (for house cleaners and maids.) And Housecall Pro. #SavvyCleaner *** MOST REQUESTED LIST OF CLEANING STUFF I USE *** https://www.Amazon.com/shop/AngelaBrown *** MORE VIDEOS ON THIS TOPIC *** Small Business Tax Advice and Tax Deductions - Stanley "Dirt Monkey" Genadek - https://youtu.be/5eRGl6GWfls Biggest Tax Write-Offs for Small Business - Hawthorn Law - https://youtu.be/2EIGY8cdyok How Do I Budget A Small Business? Plus, Self Employed Taxes 101 - Gateway Stewardship - https://youtu.be/j8qaK4CK8Ho How to File Taxes as a Single Member LLC - Hawthorn Law - https://youtu.be/kf2W_SBu1SY 10 Self Employment Tax Write-offs to Make You Rich - BeatTheBush - https://youtu.be/6RJVFLrL2Kc *** GOOD KARMA RESOURCES FROM THIS EPISODE *** These good karma links connect you to Amazon.com and affiliated sites that offer products or services that relate to today’s show. When you click on the links and buy the items you pay the exact same prices or less than if you found the links on your own elsewhere. The difference is that we make a small commission here at the show for sharing these links with you. So, you create good karma by supporting 8 families who work on this show. TurboTax Home & Business + State 2019 Tax Software - https://amzn.to/3dJlH2h TurboTax Business 2019 Tax Software (For partnerships, Corporations, LLCs, Trusts & Estates) - https://amzn.to/2JsQ5QH QuickBooks - https://quickbooks.intuit.com/ J.K. Lasser's Small Business Taxes 2020: Your Complete Guide to a Better Bottom Line - https://amzn.to/3aAxxK8 Taxes for Small Business: Beginners Guide to the Tax Process for Small Businesses - https://amzn.to/2w3avNd 475 Tax Deductions for Businesses and Self-Employed Individuals: An A-to-Z Guide to Hundreds of Tax Write-Offs - https://amzn.to/3dOs98z *** CONNECT WITH ANGELA ON SOCIAL MEDIA *** LinkedIn: https://www.linkedin.com/in/savvycleaner/ Facebook: https://Facebook.com/SavvyCleaner Twitter: https://Twitter.com/SavvyCleane Instagram: https://Instagram.com/SavvyCleaner Pinterest: https://Pinterest.com/SavvyCleaner *** GOT A QUESTION FOR A SHOW? *** Email it to Angela[at]AskaHouseCleaner.com Voice Mail: Click on the blue button at https://askahousecleaner.com *** HOUSE CLEANING TIPS VAULT *** (DELIVERED VIA EMAIL) - https://savvycleaner.com/tips *** FREE EBOOK – HOW TO START YOUR OWN HOUSE CLEANING COMPANY *** http://amzn.to/2xUAF3Z *** PROFESSIONAL HOUSE CLEANERS PRIVATE FACEBOOK GROUP *** https://www.facebook.com/groups/ProfessionalHouseCleaners/ *** VRBO AIRBNB CLEANING FACEBOOK GROUP *** https://www.facebook.com/groups/VRBO.Airbnb.Cleaning/ *** LOOKING FOR WAY TO GET MORE CLEANING LEADS *** https://housecleaning360.com *** WHAT IS ASK A HOUSE CLEANER? *** Ask a House Cleaner is a daily show where you get to ask your house cleaning questions and we provide answers. Learn how to clean. How to start a cleaning business. Marketing and Advertising tips for your cleaning service. How to find top quality house cleaners, housekeepers, and maids. Employee motivation tactics. Strategies to boost your cleaning clientele. Cleaning company expansion help. Time-saving Hacks for DIY cleaners and more. Hosted by Angela Brown, a 25-year house cleaning expert and founder of Savvy Cleaner Training for House Cleaners and Maids. *** SPONSORSHIPS & BRANDS *** We do work with sponsors and brands. If you are interested in working with us and you have a product or service that is cohesive to the cleaning industry read this: https://savvycleaner.com/product-review *** THIS SHOW WAS SPONSORED BY *** SAVVY CLEANER - House Cleaner Training and Certification – https://savvycleaner.com MY CLEANING CONNECTION – Your hub for all things cleaning – https://mycleaningconnection.com HOUSECLEANING360.COM – Connecting House Cleaners with Homeowners – https://housecleaning360.com SAVVY PERKS – Employee Benefits for Small Business Owners – https://savvyperks.com VRBO AIRBNB CLEANING – Cleaning tips and strategies for your short-term rental https://TurnoverCleaningTips.com *** VIDEO CREDITS *** VIDEO/AUDIO EDITING: Kristin O https://savvycleaner.com/reviews/kristin-o HOST: Angela Brown https://savvycleaner.com/reviews/angela-brown PRODUCER: Savvy Cleaner https://savvycleaner.com
You've got a ton of wonderful wedding planning questions, and I've got answers! Today we're covering everything from wedding planning timelines, ceremony details, choosing specific vendors, wedding insurance, and so much more. To get in on future wedding Q&A shows, follow @weddingplanningpodcast on Instagram and keep an eye on the "Stories" feature for weekly questions prompts. Links mentioned in today's show: To grab your copy of Wedding Planning Essentials | A Step by Step Guide to Planning Your Dream Wedding, click here. Sample wedding planning timelines we discussed are here. Your Complete Guide to Wedding Photography | blog post & episode links here. Creative "unity ceremony" ideas can be found here. A complete library of all past episodes of the Wedding Planning Podcast can be found here Did you know that as a VAULT member, you can access all past AND future episodes ad-free, PLUS 12 bonus shows that guide you through your wedding plans from start to finish? Sign up here! A special thank you to today's show sponsors: Connect with your Better Help professional counselor and save 10% off your first month with discount code "WEDDING". Check these guys out at Generation Tux and use promo code "WEDPLANNING" for 10% off the entire groom’s party AND a free groom's tux w/ 5 paid party members. Save time & money when shopping online when you sign up for Honey (it's free!) at joinhoney.com/wedding.
Families face various challenges. Helping a loved one who struggles with an addiction is an extremely difficult task but there is hope. Fred and Jason Leamnson shared their story of recovery from addiction.Please use the below resources if you or a loved one needs help.Your Complete Guide to Support for Parents of Addicted Loved Ones (PAL)Pal and local meeting links:You are not alone! Pal Group helps thousands of parents, spouses, and families, gain support while dealing with the pain of having an addicted loved one. List us at PAL GroupNearest local PALGroup MeetingsDulles, VirginiaReston Bible Church Fredericksburg, VASalem fields Community Church
Larry Swedroe is a principal and Chief Research Officer of Buckingham Strategic Wealth, a 17 billion dollar wealth management company headquartered in St. Louis, MO. Since joining the firm in 1996, Larry Swedroe has spent his time, talent and energy educating investors on the elements of investing with an enthusiasm few can match. Larry has published 17 books that explain investing in layman’s terms. His first book, “The Only Guide to a Winning Investment Strategy You’ll Ever Need” is in its second edition. He has since authored sixteen more books including, “What Wall Street Doesn’t Want You to Know” (2001), “Rational Investing in Irrational Times” (2002), “The Successful Investor Today” (2003), “Wise Investing Made Simple” (2007), “Wise Investing Made Simpler” (2010), “The Quest for Alpha” (2011) and “Think, Act, and Invest Like Warren Buffett” (2012), and his latest book, "Your Complete Guide to a Successful & Secure Retirement" (2019), which is a focus of this podcast. Previously, Larry was Vice-Chairman of Prudential Home Mortgage, the nation’s second-largest home mortgage lender. He has held positions at Citicorp as Senior Vice-President and Regional Treasurer, responsible for treasury, foreign exchange and investment banking activities, including risk management strategies. Larry has an MBA in Finance and Investment from NYU, and a BA in Finance from Baruch College. This podcast is hosted by Rick Ferri, CFA, a long-time Boglehead and investment adviser. The Bogleheads are a group of like-minded individual investors who follow the general investment and business beliefs of John C. Bogle, founder and former CEO of the Vanguard Group. It is a conflict-free community where individual investors reach out and provide education, assistance and relevant information to other investors of all experience levels at no cost. The organization's free website is Bogleheads.org, and the wiki site is Bogleheads® wiki. Bogleheads sites are operated by volunteers who contribute time and talent. Donations help defray operating costs. Since 2000, the Bogleheads' have held national conferences in major cities around the country and currently meet in Philadelphia in the autumn of each year. There are dozens of Local Chapters in the US and several Foreign Chapters that also meet regularly. This podcast is supported by the John C. Bogle Center for Financial Literacy, a non-profit organization approved by the IRS as a 501(c)(3) public charity on February 6, 2012.
Our guest this week is noted author and advisor, William Bernstein. Bill’s background and entree to finance is unique—a neurologist by training, Bill self-taught himself the principles of investing and asset allocation, eventually parlaying that knowledge into a successful financial advisory practice and a series of influential, critically acclaimed books such as "The Intelligent Asset Allocator." In this conversation, we explore Bill’s background and how it shaped his development and thinking as an investor and how he applies those lessons in working with clients who are trying to meet goals like a comfortable, secure retirement. “I had to figure out how to save and invest on my own”: Bill’s crash course into investing and constructing a portfolio (1:29) “I had to figure out how to save and invest on my own”: Bill’s crash course into investing and constructing a portfolio (1:29) • “I had to figure out how to save and invest on my own”: Bill’s crash course into investing and constructing a portfolio (1:29) • Separating the wheat from the chaff: How Bill decides what investing research matters and what doesn’t (4:30) • Top of the list: Books that profoundly influenced Bill’s investment philosophy and approach (5:45) • “The overwhelming science of investing does not speak well of active management”: Bill on why empirical data ought to settle most questions (and why active-share doesn’t hold up to scrutiny) (7:02) • “You approach it with extreme caution”: Bill explains why investors should be skeptical of most factors they encounter in the “factor zoo”, save a few (9:27) • A question that’s giving Bill pause: Is value too crowded a trade? (10:33) • Is low-volatility the most attractive factor from a behavioral standpoint? Bill worries it’s gotten too expensive. (12:02) • Fingers (and toes) crossed: Bill thinks value is cheap enough to stick with (12:55) • “Really, not very much”: Bill on how his approach to asset allocation has evolved over time (13:43) • “The riskiness of stocks is not an intrinsic characteristic of stocks; it’s more a characteristic of the investor”: Why stocks’ volatility doesn’t fluster younger investors, but freaks out older investors (14:38) • On how we tend to overrate our risk tolerance: “The difference between being able to see (losses) in a spreadsheet and actually manage (through losses) in real time is the difference between crashing an airplane in a flight simulator and in the real world” (15:38) • “If you’ve won the game, stop playing”: How to shake older investors out of their complacency with equity risk and recency bias (16:53) • “The very best physicians are consumed by self-doubt”: How a high ratio of “rumination-to-celebration” can help investors constructively reckon with shortcomings in their approach and improve (19:26) • Getting it wrong and therefore right: Bill explains how advisors can use their own fallibility and uncertainty to fortify their relationship with clients (versus scaring them to death) (21:12) • An argument with Jack Bogle: How a debate with the Vanguard founder about foreign-stock investing became an object lesson in how reality intrudes on theory (and how that informs Bill’s approach to managing clients) (22:56) • “You don’t appreciate it until bad things happen”: On whether the rally in riskier bonds has changed Bill’s tune on limiting fixed-income investments to short-term, high-grade fare (24:25) • “Investment is a process that transfers wealth to people that have a strategy and can execute it from those who don’t and can’t” (26:22) • “A reasonable hypothesis, but it got tested” (and failed): Bill on the argument for active bond investing (27:02) • Earthquakes and execrable returns: Why the best investing and economic gains have been realized in English-speaking countries. (Hint: It’s the law.) (27:48) • Emerging-markets stocks: Why they’re only a bargain when they’re cheap relative to their own history and developed markets (and still might not be inexpensive even in that case) (30:23) • Potential hazards: “The US markets are significantly overvalued relative to the rest of the world” (31:36) • “You’d have your head handed to you”: On the impermanence of investment measures, why it’s dangerous to extrapolate, and the implications for investors (32:54) • “When I think about my tombstone, ‘investment adviser’ is not one of the things I want to see up there” (34:00) • “We’re extremely choosy in who we take on. So we have a very enjoyable practice as a result of that” (35:49) • On retirement preparedness: “A slow-moving and fairly impressive disaster” (37:13) • “I don’t think the system needs nudges. I think the system needs dynamite”: Steps to radically redefine the retirement system (39:20) • “It would be nice if we had a system where people didn’t have to save quite so much, because that’s an unattainable goal for probably 80% of the population” (40:41) • The skunk-in-the-suburb analogy: We’re evolved to avoid the snake or the tiger, not to plan for retirement fifty years into the future (41:24) • What to do for investors who aren’t interested in finance or good with numbers: Limit investor autonomy, provide a generous match, offer a low-cost menu, default them into a target-date fund (43:03) • “One of the most important people in my life”: Remembering Jack Bogle (44:32) • “Something that everyone knows isn’t worth knowing”: Bill on the under-appreciated importance of corporate governance to security returns (46:46) • How Bill navigates ESG with his clients: He discourages them from pursuing it (49:25) • Principled but “bending”: How humility should make room for other ideas or priorities within a portfolio or plan (51:05) • William Bernstein bio (CFA Institute) https://blogs.cfainstitute.org/investor/author/williamjbernstein/ • William Bernstein’s “Efficient Frontier” website http://www.efficientfrontier.com/ • Mean-variance optimization: Explainer https://www.effisols.com/basics/MVO.htm • William Bernstein’s reading list http://www.efficientfrontier.com/reading.htm • Fama and French research papers https://papers.ssrn.com/sol3/cf_dev/AbsByAuth.cfm?per_id=1455 • “A Random Walk Down Wall Street” by Burton G. Malkiel https://www.amazon.com/Random-Walk-Down-Wall-Street/dp/0393081435/ref=sr_1_1?s=books&ie=UTF8&qid=1324493412&sr=1-1 • “Bogle on Mutual Funds” by Jack Bogle https://www.amazon.com/gp/product/111908833X/ref=dbs_a_def_rwt_bibl_vppi_i4 • “The Intelligent Investor” by Benjamin Graham https://www.amazon.com/Intelligent-Investor-Definitive-Investing-Practical/dp/0060555661/ref=sr_1_1?s=books&ie=UTF8&qid=1324493602&sr=1-1 • “The Theory of Interest” by Irving Fisher https://www.amazon.com/Theory-Interest-Illustrated-Irving-Fisher-ebook/dp/B00CR32KGK • “The Arithmetic of Active Management” by William F. Sharpe • https://web.stanford.edu/~wfsharpe/art/active/active.htm • Active Share website https://activeshare.nd.edu/ • “Presidential Address: Discount Rates” by John H. Cochrane https://faculty.chicagobooth.edu/john.cochrane/research/papers/discount_rates_jf.pdf • Value (aka “book-to-market”) factor http://mba.tuck.dartmouth.edu/pages/faculty/ken.french/Data_Library/det_form_btm.html • Momentum factor http://mba.tuck.dartmouth.edu/pages/faculty/ken.french/Data_Library/det_mom_factor.html • Profitability factor http://mba.tuck.dartmouth.edu/pages/faculty/ken.french/Data_Library/tw_5_ports_beme_op.html • “Your Complete Guide to Factor-based Investing” by Andrew L. Berkin and Larry E. Swedroe • https://www.amazon.com/dp/B01N7FCW2D/ref=dp-kindle-redirect?_encoding=UTF8&btkr=1 • Factor performance http://mba.tuck.dartmouth.edu/pages/faculty/ken.french/data_library.html#Research • Berkshire Hathaway 2018 shareholder letter http://www.berkshirehathaway.com/letters/2018ltr.pdf • “Betting Against Beta” by Andrea Frazzini and Lasse Heje Pedersen http://pages.stern.nyu.edu/~lpederse/papers/BettingAgainstBeta.pdf • “Betting Against Beta” factor vs. value factor performance (10 years ended Feb. 2019) https://www.portfoliovisualizer.com/factor-statistics?s=y&factorDataSet=-1&marketArea=0&__checkbox_ffmkt=true&__checkbox_ffsmb=true&__checkbox_ffsmb5=true&ffhml=true&__checkbox_ffhml=true&__checkbox_ffmom=true&__checkbox_ffrmw=true&__checkbox_ffcma=true&__checkbox_ffstrev=true&__checkbox_ffltrev=true&__checkbox_aqrmkt=true&__checkbox_aqrsmb=true&__checkbox_aqrhml=true&__checkbox_aqrhmldev=true&__checkbox_aqrmom=true&__checkbox_aqrqmj=true&aqrbab=true&__checkbox_aqrbab=true&__checkbox_trm=true&__checkbox_cdt=true&startDate=03%2F01%2F2009&endDate=03%2F31%2F2019 • “The Intelligent Asset Allocator” by William J. Bernstein https://www.amazon.com/gp/product/0071385290/ref=s9_simz_gw_s0_p14_i1?pf_rd_m=ATVPDKIKX0DER&pf_rd_s=center-2&pf_rd_r=1NNWXTETT62HJ8QM9ZM6&pf_rd_t=101&pf_rd_p=470938631&pf_rd_i=507846 • “Availability” heuristic https://www.behavioraleconomics.com/resources/mini-encyclopedia-of-be/availability-heuristic/ • Dunning-Kruger effect https://www.ncbi.nlm.nih.gov/pubmed/10626367 • “Why Jack Bogle Doesn’t Own Non-U.S. Stocks” with Christine Benz and Jack Bogle (Oct. 22, 2018) https://www.youtube.com/watch?v=P54trh0Rre8 • “Will Active Stock Funds Save Your Bacon in a Downturn?” by Jeffrey Ptak https://www.morningstar.com/articles/852864/will-active-stock-funds-save-your-bacon-in-a-downt.html • “Global Stock Markets in the Twentieth Century” by Philippe Jorion and William N. Goetzmann, Journal of Finance https://onlinelibrary.wiley.com/doi/abs/10.1111/0022-1082.00133 • “Legal Determinants of External Finance” by Rafael La Porta, Florencio Lopez-de-Silane, Andrei Shleifer, Robert W. Vishny, NBER Working Paper https://www.nber.org/papers/w5879 • Online Data Robert Shiller http://www.econ.yale.edu/~shiller/data.htm • S&P 500 Shiller PE Ratio https://www.multpl.com/shiller-pe • S&P 500 Price/earnings ratio https://www.multpl.com/s-p-500-pe-ratio • S&P 500 Price/book ratio https://www.multpl.com/s-p-500-price-to-book • National Retirement Risk Index, Center for Retirement Research at Boston College https://crr.bc.edu/special-projects/national-retirement-risk-index/ • “National Retirement Risk Index Shows Modest Improvements in 2016” by Alicia H. Munnell, Wenliang Hou, Geoffrey T. Sanzenbacher, Center for Retirement Research at Boston College https://crr.bc.edu/wp-content/uploads/2017/12/IB_18-1.pdf • “In Memoriam”, William J. Bernstein, Efficient Frontier http://efficientfrontier.com/ef/0adhoc/RIP-JCB.html • David Yermack, Albert Fingerhut Professor of Finance and Business Transformation, NYU Sterm, Publications https://its.law.nyu.edu/facultyprofiles/index.cfm?fuseaction=profile.publications&personid=20547
I don’t know why exactly, but lately I’ve been hearing from my millennial clients their big concern about not being able to afford retirement. I’m talking 20 and 30 years olds freaking out because they have no idea how they’ll ever be able to save up $1 million (or most likely more) for retirement, plus pay of their student loans, buy a home, start a family, and just simply live! So, I thought I would bring on a retirement expert who can shed some light on the most important things we all need to know about retirement. My guest for this episode is Larry Swedroe, the author of Your Complete Guide to a Successful and Secure Retirement, as well as the director of research for Buckingham Strategic Wealth and the BAM Alliance. Here are a few things we discussed in this episode. What People Forgot to Plan – What to Do in Retirement Most people focus on the money part. How much do I need? How should I invest to reach that number? Will it be enough? But really, you should start by outlining what you want to do when you’re actually retired. How do you want to fill your days? What’s your exit strategy from the workforce? Are you going to do a full-stop retirement or ease into retirement by going part-time or consult? Before testing out any retirement calculator, define what your retirement will look like first. Planning to Live Longer Than 20 Years in Retirement Another concern I often hear is that we’re all living longer. Many of us will live until 100! So if we retire at 65 and live until 100, that’s 35 years of retirement we need to prepare to have income for. That might make your palms sweaty, but it’s actually fairly simple math to figure out how to afford a long retirement. Larry suggests taking the number of years you plan on being retired for and multiplying it by the gross annual income you’ll need to live off of in retirement. Then, figure out how inflation will come into play, and that’s your number! How to Be a Savvy Investor Larry shared some amazing pieces of wisdom when I asked him about how we all can be savvy investors. Here are his top tips: Make sure you’re only spending money on things that are important to you. Save as early and as often as possible. Make your savings automatic through auto-debits and auto-withdrawals to your savings and investment accounts. Read the book Nudge: Improving Decisions About Health, Wealth, and Happiness by Richard H. Thaler & Cass R. Sunstein to learn how to nudge yourself into doing the right things Invest in low cost Index funds or index ETFs Avoid investment products sold by insurance companies and Wall Street investment brokers as they’ll be more expensive and most likely won’t outperform index funds. Don’t work with any financial profession who earns a commission when working with you. Diversify your portfolio to include more foreign equities and fixed income. Don’t focus solely on domestic stocks and bonds (just Google what happened in Japan). Don’t mistake the home you live in for a real estate investment. If you live in it, it’s not an investment. Once you sell it, it is. Be careful with real estate investing (just look at what happened and is happening in the U.S.) For full episod show notes, visit https://jessicamoorhouse.com/192
In this episode, Tom offers some reminders about not tinkering with your investments as the market goes up and down and which bond funds are preferable. The conversation then turns to initial public offerings and why the hype around them is not always worth believing. Last year's market movements, real estate capital, and Delaware trusts are also covered. Tax efficiency and required minimum distribution on IRAs. Leaving your money alone for the long haul. Bond funds that we like. Traditional IRAs, charity donations and figuring out the tax laws. Initial public offerings and the excitement around them. The bad news about your money movements late last year. Investing money from a rental property in a Delaware trust. A little bit about our upcoming Science of Retirement Event! Financial Fysics on Amazon – https://www.amazon.com/Financial-Fysics-Money-Investing-Really/dp/1453898557 Vestory — https://vestory.com/ Vanguard — https://about.vanguard.com RisQuiz — https://vestory.com/risquiz/ Your Complete Guide to a Successful and Secure Retirement — https://www.amazon.com/Complete-Guide-Successful-Secure-Retirement/dp/0857197320 Larry Swedroe — https://www.etf.com/contributors/larry-swedroe Jim Cramer — https://www.cnbc.com/mad-money/ Vanguard VBMFX — https://investor.vanguard.com/mutual-funds/profile/VBMFX Lyft — https://www.lyft.com Slack — https://slack.com John Bogle — https://www.forbes.com/sites/baldwin/2019/01/16/jack-bogle-is-gone-but-hes-still-saving-investors-100-billion-a-year/ Dimensional Fund Advisors — https://www.dimensional.com
On the show today Tom is riding almost solo, with a small cameo by Don, talking about some scandalous real estate investment claims that have been cropping up in podcasts recently! Other than that, Tom looks at asset based insurance, global versus local market investments and smart beta. He is then joined by Kevin Grogan, co-author of Your Complete Guide to a Successful and Secure Retirement to chat about the four big threats to your retirement and the four percent rule! Asset-based, long term insurance. The deal with real estate investments. Exploitation by evangelical processes and incestuous networks. Global markets, home bias and local stock investments. Smart beta investment portfolios and why Tom is not a fan. High suicide rates during retirement. The four big threat to your retirement! How useful is the four percent rule? Financial Fysics on Amazon – https://www.amazon.com/Financial-Fysics-Money-Investing-Really/dp/1453898557 Vestory — https://vestory.com/ Vanguard — https://about.vanguard.com Your Complete Guide to a Successful and Secure Retirement — https://www.amazon.com/Complete-Guide-Successful-Secure-Retirement/dp/0857197320 Larry Swedroe — https://www.etf.com/contributors/larry-swedroe Clayton Morris — https://www.claytonmorris.com Your Retirement Quest — https://www.amazon.com/Your-Retirement-Quest-Creating-Fulfilling/dp/0981726984 Buckingham Strategic Wealth — https://buckinghamadvisor.com RisQuiz — https://vestory.com/risquiz/
Larry and I discuss his new book, Your Complete Guide to a Successful and Secure Retirement. Larry Swedroe is the Lead Director and Director of Research of the Buckingham Family of Financial Services. Buckingham Strategic Wealth is a Registered Investment Advisory firm, currently managing $15 billion in assets, with offices in 30 cities. BAM is also provider of Turnkey Asset Management Services through the BAM ALLIANCE to about 135 financial advisory firms across the U.S. with approximately $19 billion of assets under administration and through Loring Ward which serves about another 1000 advisors and has about $17 billion of assets under administration. Larry has authored or co-authored 17 books. The latest is Your Complete Guide to a Successful and Secure Retirement co-authored with Kevin Grogan.
Larry Swedroe (Buckingham Strategic Wealth) talks about his 16th book, Your Complete Guide to a Successful and Secure Retirement, the two biggest retirement mistakes, and what Larry calls the five horsemen of the retirement apocalypse. Plus, is there a way to consolidate your investment portfolio before you retire and avoid paying capital gains tax? Also, dancing to stave off dementia, the world of golf, and China and Brexit news - but probably not what you're expecting. Transcript and show notes: http://bit.ly/YMYW-206
Today we are joined by a friend, hero, and a legend in the field fact based investing. Larry Swedroe is here to discuss his latest book, some of the timeless concepts he has been espousing for many years, and to give out a few golden nuggets of advice for your finances and retirement. Larry is so generous with his time and wisdom and we chat about a ton of chapters from his book, Your Complete Guide to a Successful and Secure Retirement, and he picks out a few ideas to focus on here in this quick discussion. Larry shares the biggest mistake he has noticed in retirement planning, lifestyle considerations moving into the final stages of life, estate transfer, underperforming stocks, and more! We draw on Larry’s wealth of experience to get some perspective on more current trends in the industry such as the fixation on costs of advisors and we finish off hearing from Larry about how he defines success as he nears the end of his professional career. For all this and more, be sure to join us for an extra special episode! Key Points From This Episode: The four horsemen of the retirement apocalypse. [0:03:03.4] Larry’s pick for the biggest mistake made in retirement planning. [0:06:32.9] Non-financial considerations for those heading into retirement. [0:09:22.7] Day to day preparations for finding meaning in the retirement years. [0:13:04.5] Why it is important to expose yourself to independent risk factors. [0:15:34.6] Understanding the reasons for never actually avoiding factors. [0:26:53.9] How to avoid losing assets during the transfer of an estate. [0:29:16.4] Taking underperformance into account when considering your investments. [0:32:58.3] Looking at the financial industry’s shift in focus towards costs. [0:37:06.1] Larry’s own definition of success moving into the end of his career and retirement. [0:41:55.1] And much more! For more information or to contact Cameron and Ben, visit pwlcapital.com
Kathryn interviews Director of Research for Buckingham Strategic Wealth and The BAM Alliance Larry Swedroe, co-author of the book “Your Complete Guide to a Successful and Secure Retirement.” As we get older, most of us look forward to a life free from work. But the truth is that retirement can be highly stressful and complex - and all too many Americans fail to plan for it. Swedroe has been featured and interviewed in The WSJ, CBS Moneywatch, and Forbes.com. Kathryn also interviews coach and speaker Kathryn Sollmann, author of the book “AMBITION REDEFINED: Why the Corner Office Doesn't Work For Every Woman and What to Do Instead.” When we reframe what it means to be ambitious, we acknowledge that challenging, lucrative work can be found in many ways that favor personal satisfaction over public applause. Sollmann, a recognized leader in helping women navigate work and life, is a frequent media resource for The Today Show, NPR, The WSJ, The NYTimes, Money, and CNBC.
Kathryn interviews Director of Research for Buckingham Strategic Wealth and The BAM Alliance Larry Swedroe, co-author of the book “Your Complete Guide to a Successful and Secure Retirement.” As we get older, most of us look forward to a life free from work. But the truth is that retirement can be highly stressful and complex - and all too many Americans fail to plan for it. Swedroe has been featured and interviewed in The WSJ, CBS Moneywatch, and Forbes.com. Kathryn also interviews coach and speaker Kathryn Sollmann, author of the book “AMBITION REDEFINED: Why the Corner Office Doesn't Work For Every Woman and What to Do Instead.” When we reframe what it means to be ambitious, we acknowledge that challenging, lucrative work can be found in many ways that favor personal satisfaction over public applause. Sollmann, a recognized leader in helping women navigate work and life, is a frequent media resource for The Today Show, NPR, The WSJ, The NYTimes, Money, and CNBC.
Bro interviews Larry Swedroe, co-author of “Your Complete Guide to a Successful & Secure Retirement.” And Alison challenges Bro and Rick to guess the prices of the weirdest products at this year’s Consumer Electronics Show. Thanks to LinkedIn for supporting The Motley Fool. Go to linkedin.com/fool and get $50 off your first job post.
Robin Powell interviews Larry Swedroe, a Principal and Director of Research for Buckingham Strategic Wealth, an independent member of the BAM Alliance, best known for his books and articles on investing. In the interview, Larry talks about his long career and his passion for evidence-based investing. He also discusses his latest book, Your Complete Guide to a Successful and Secure Retirement, which he has co-authored with Kevin Grogan and other colleagues at Buckingham. Unlike his previous books, which have very much focussed on investing, the new book is much more holistic. Planning for a successful life in retirement, says Larry, is every bit as important as planning to have enough money.
Running a business presents challenges, not least of which is cash flow. Cash flow is a problem for many people, but businesses have their own issues. How can business owners make the most of their cash flow? Barbara Weltman, attorney and business writer, explains what cash flow is and how to change the way you use it. She outlines some tools and strategies that make cash flow management simpler. Barbara knows a lot about taxes and the nature of businesses. Tune in to learn more about cash flow management. Retirement can be overwhelming Doug comforts investors who may find retirement planning overwhelming. He created a downloadable resource called Maintaining Your Income When You Retire. He shares some investment choices that can generate cash flow for investors so retirement is not such a drastic change. If you would like to learn more about increasing your retirement income, check out this video. Free resource: Maintaining Your Income When You Retire Learn more about Barbara Weltman by reading her books J.K. Lasser's Small Business Taxes 2018: Your Complete Guide to a Better Bottom Line and J.K. Lasser's Guide to Self-Employment: Taxes, Tips, and Money-Saving Strategies for Schedule C Filers or visiting her website. If you’re not already receiving updates on new episodes, sign up now, and as a special bonus, receive Doug’s free ebook The Retirement Planning Book.
The Old Mill Restaurant is a can’t-miss stop for any vacation in Pigeon Forge, TN! Located next door to the iconic Old Mill, this legendary eatery serves some of the best scratch-made Southern food you will ever eat. To help you make the most of your next getaway, Visit My Smokies has put together a […] The post Your Complete Guide to The Old Mill Restaurant in Pigeon Forge appeared first on Visit My Smokies.
In this episode of The Lange Money Hour: Where Smart Money Talks, we welcome Larry Swedroe, a noted researcher and nationally recognized investment expert. Larry is director of research for Buckingham Strategic Wealth. He has authored 15 books, including his latest, Your Complete Guide to Factor-Based Investing, as well as Think, Act & Invest Like Warren Buffett, among many others. Larry has made numerous appearances on TV, sharing his ideas with viewers of NBC, CNBC, CNN and Bloomberg Personal Finance. As a researcher, Larry has earned a reputation for evidence-based investing and exposing misinformation coming out in the mainstream financial media. In this episode you’re going to learn what alpha is, why most investors don’t take Warren Buffett’s advice, why active money management is a loser’s game, and we'll review Larry’s list of some of the lessons we learned from the market in 2016. TOPICS COVERED: 1. Introduction of Larry Swedroe 2. Investment Lessons from 2016 3. Active Money Management Is a Loser’s Game 4. Passively Managed Funds Outperform Index Funds 5. Better Value Justifies Higher Operational Costs 6. Best Returns Occur When the Unexpected Happens 7. Resist the Urge to Panic and Sell 8. Good and Bad Sides of Donald Trump Will Disrupt Markets 9. Emerging Markets Attractive to Investors Who Can Handle Volatility 10. Investors Would Be Smart to Ignore All Market Forecasts 11. Keep Your Political Views Out of Investment Decisions 12. Trump’s Opposition to Free Trade Is Dead Wrong To read the show transcript or listen to the MP3 file, http://bit.ly/2ouiYDH
In Episode 87, Chris Cahill and Larry Swedroe, Director of Research Buckingham Asset Management and BAM Advisor Services discuss Larry’s upcoming book, “Your Complete Guide to Factor-Based Investing: The Way Smart Money Invests Today” (co-authored with Andrew Berkin). Larry has the gift of assimilating academic research and conveying its practical essence in a conversational, plain English manner. The first part of this interview aired previously and can be found here. You can find out more about Larry Swedroe and Buckingham here. Or you can find him here: Twitter: @larryswedroe LinkedIn You can find Larry's previous interviews with Financial Poise here & here. About Larry Swedroe Since joining the firm in 1996, Buckingham’s Director of Research Larry Swedroe has spent his time, talent and energy educating investors on the benefits of evidence-based investing with enthusiasm few can match. Larry was among the first authors to publish a book that explained the science of investing in layman’s terms, “The Only Guide to a Winning Investment Strategy You’ll Ever Need.” He has since authored seven more books: “What Wall Street Doesn’t Want You to Know” (2001), “Rational Investing in Irrational Times” (2002), “The Successful Investor Today” (2003), “Wise Investing Made Simple” (2007), “Wise Investing Made Simpler” (2010), “The Quest for Alpha” (2011) and “Think, Act, and Invest Like Warren Buffett” (2012). He has also co-authored six books about investing. His latest work, “The Incredible Shrinking Alpha: And What You Can Do to Escape Its Clutches,” was co-authored with Andrew Berkin and published in January of 2015. In his role as director of research and as a member of the firm’s Investment Policy Committee and Board of Managers, Larry regularly reviews the findings published in dozens of peer-reviewed financial journals, evaluates the outcomes and uses the result to inform the firm’s formal investment strategy recommendations. Larry’s dedication to helping others has made him a sought-after national speaker. He has made appearances on national television shows airing on NBC, CNBC, CNN and Bloomberg Personal Finance. Larry is a prolific writer, contributing weekly to multiple outlets including MutualFunds.com and ETF.com. Before joining Buckingham, Larry was vice chairman of Prudential Home Mortgage. He has held positions at Citicorp as senior vice president and regional treasurer, responsible for treasury, foreign exchange and investment banking activities, including risk management strategies. Larry holds an MBA in finance and investment from New York University, and a bachelor’s degree in finance from Baruch College in New York.
In Episode 86, Chris Cahill and Larry Swedroe, Director of Research at Buckingham Asset Management and BAM Advisor Services, discuss Larry’s upcoming book, “Your Complete Guide to Factor-Based Investing: The Way Smart Money Invests Today” (co-authored with Andrew Berkin). Larry has the gift of assimilating academic research and conveying its practical essence in a conversational, plain English manner. The second part of this interview will air at a later date. You can find out more about Larry Swedroe and Buckingham here. Or you can find him here: Twitter: @larryswedroe LinkedIn: https://www.linkedin.com/pub/larry-swedroe/8/791/59 You can find Larry's previous interviews with Financial Poise here & here. About Larry Swedroe Since joining the firm in 1996, Buckingham’s Director of Research Larry Swedroe has spent his time, talent and energy educating investors on the benefits of evidence-based investing with enthusiasm few can match. Larry was among the first authors to publish a book that explained the science of investing in layman’s terms, “The Only Guide to a Winning Investment Strategy You’ll Ever Need.” He has since authored seven more books: “What Wall Street Doesn’t Want You to Know” (2001), “Rational Investing in Irrational Times” (2002), “The Successful Investor Today” (2003), “Wise Investing Made Simple” (2007), “Wise Investing Made Simpler” (2010), “The Quest for Alpha” (2011) and “Think, Act, and Invest Like Warren Buffett” (2012). He has also co-authored six books about investing. His latest work, “The Incredible Shrinking Alpha: And What You Can Do to Escape Its Clutches,” was co-authored with Andrew Berkin and published in January of 2015. In his role as director of research and as a member of the firm’s Investment Policy Committee and Board of Managers, Larry regularly reviews the findings published in dozens of peer-reviewed financial journals, evaluates the outcomes and uses the result to inform the firm’s formal investment strategy recommendations. Larry’s dedication to helping others has made him a sought-after national speaker. He has made appearances on national television shows airing on NBC, CNBC, CNN and Bloomberg Personal Finance. Larry is a prolific writer, contributing weekly to multiple outlets including MutualFunds.com and ETF.com. Before joining Buckingham, Larry was vice chairman of Prudential Home Mortgage. He has held positions at Citicorp as senior vice president and regional treasurer, responsible for treasury, foreign exchange and investment banking activities, including risk management strategies. Larry holds an MBA in finance and investment from New York University, and a bachelor’s degree in finance from Baruch College in New York.
Who wouldn’t want to invest like Warren Buffett? He’s one of the most successful investors in the world, and yet, most people don’t follow his recommendations about where they should be putting their money. In this edition of The Lange Money Hour, we welcome nationally recognized investment expert Larry Swedroe, the author of the book Think, Act and Invest Like Warren Buffett: The Winning Strategy to Help You Achieve Your Financial and Life Goals. Like Warren Buffett, Larry believes that passive investing through index funds is the best path to prosperity, and he’s done the research to back it up. Larry is director of research for Buckingham Asset Management. Including the Warren Buffett book we’ll be talking about Larry's other books, including his latest, The Incredible Shrinking Alpha, and he’s working on book number 15 as well, called Your Complete Guide to Factor-based Investing. In this podcast you’ll learn a great deal about passive and active investing and how to get into that Warren Buffett mind-set. TOPICS COVERED: Guest Introduction: Larry Swedroe, Author and Wealth Manager, Most Investors Do the Opposite of What Warren Buffett Advises Warren Buffett’s Advice: If You’re Not Me, Invest in Passive Index Funds, It’s Possible, but Very Few Win the Loser’s Game of Active Management, With the Right Value Stocks, You Can Outperform Warren Buffett,‘Gross Profitability’ and ‘Equality Factor’ are Different from Earnings, The Importance of the ‘Profitability Factor’ in Index Funds, Small-Value Funds from the Bottom Third Capture More Premium, Beyond the Investments, You Need the Discipline to Withstand Bear Markets, Why the New Rules on Fiduciary Responsibility are Critical, Whoever Wins the White House in November Will Have an Effect on Investors
One of the best parts of being on vacation is taking a break from cooking and going out to eat. The Pigeon Forge area is home to a variety of excellent restaurants, offering everything from authentic Southern cuisine to food from around the world. If you’re celebrating a special event with your spouse or the […] The post Your Complete Guide to the Top Pigeon Forge Restaurants Fine Dining appeared first on Visit My Smokies.
Barbara Weltman is an attorney and a nationally recognized expert in taxation for small businesses, as well as the author of many top-selling books on taxes and finance, including J.K. Lasser's Small Business Taxes 2015: Your Complete Guide to a Better Bottom Line.
The Christmas season is fast approaching, and Wears Valley is gearing up for an incredible holiday celebration! Starting at the end of November, this welcoming mountain community invites visitors and locals alike to participate in a series of special seasonal events. To help you make the most of your time in the Smokies, we’ve put […] The post Your Complete Guide to Christmas Events in Wears Valley appeared first on Visit My Smokies.
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