17 Burst results for "Adam Carroll"
"adam carroll" Discussed on Talking Cancer
"Hello I'm Annabi and welcome to talking cancer a podcast for Macmillan where I'll be meeting real people to have honest conversations about living with cancer in this episode. We're talking cancer with Adam. Let that if I decide in your brain but we turn away is going to have to operate need some and then the Black Sonya I knowledge is looking at Solomon Lipset. And when we're talking potential BRAINTREE RATIOS WENT. Yeah potentially thirty one. Adam Carroll was enjoying life and enjoying a job that allowed him to work in New York.
"adam carroll" Discussed on News Talk 1130 WISN
"It involved a fatal accident involving a woman who was riding a bike in cedar Burke I had a very popular trail it's called the error but it runs to a number of communities and sake company it happened in may and it was in the early morning hours six thirty in the morning and may twenty eighth the woman's name is that Lee mango she was killed she got up to pioneer road which is a very busy street and she was on the bike it she was at the crosswalk the vehicle that was approaching the crosswalk stopped and motioned for her to go through so the bicycle starts to cross the street a guy who was behind the first vehicle sees a vehicle stopped decides to go around the stop vehicle and struck and killed daily make this is when the subject out of a police investigation into sake county for half a year and the US I can kind of just agree tourney Adam Carroll has released a statement today saying that there are going to be no criminal charges I citation was issued to the driver but that's not the same as a crime a citation is a ticket Gerald a turban that there was no crime that occurred they were waiting for toxicology reports nobody was on under the influence of anything they did accident reconstruction and they came to the conclusion that this is not rise to the level of homicide through the negligent operation of a vehicle the standard for cried and that is higher than the standard that you would have been a civil case the families of the what family of the woman who died might have a lawsuit against the driver but Carol said that they didn't have enough here to show criminal charges of homicide and that of course would be the thing that you would be charge that if you get anything criminal that would indeed be homicide because there was.
"adam carroll" Discussed on Listen Money Matters
"I'll get your sticks but only I could play too yeah yeah but that's the thing I do you so you you consciously by toys is that you can play with with your kids Oh hell yeah okay nerf guns laser tag I'm all over that shit right because because that's all I wanna do yeah you know it's like if we're going to go play hey I'm gonNA get ten rubber balls and put them in the basement because we're going to have an unbelievable dodgeball tournament down there you know with all the neighbor kids and I wanNA play so yes yeah so try playing with a NERF gun by yourself that's gotTa be the lame the Lamest it's pretty lame picture I can I can muster up my dog and I play every now and again but he's he's not very competitive yeah yeah yeah and what about the Joneses thing like the keeping up with the Joneses in school how does that combat that that's gotTa have I imagine yeah even even as even as perfect perfect does your children are at this stage like they still have that that that that pressure well my daughter came home the first day of middle school she just started sixth grade and and it was dead I have a phone before she I mean literally wasn't like hey how're you how was your day it was like a phone and I said okay timeout will back up a little bit how was your day what happened today on the first day of school who's your locker may you know and I said let's talk about this phone thing what do you want one for and she said everyone has one And I said Okay I don't totally buy that because I know three kids up the street that don't have one in your grade and now they do unfortunately but but the issue is they sit on the on the phone on the bus and they like go through instagram and stuff like disc and I said my fear is that you're GonNa disconnect from everyone and everything when you do that because the kids that are on the bus on their phone what do they do and she said they just sit there on their phone and I said what are you doing right now she goes on talking to Lizzie and I said what's Lizzie doing she's knitting scarf she's like like a real renaissance woman yeah so so I said you know you and Lizzy prior better conversation than any of the other kids who have a phone I'm not opposed to getting you on I said but here's the deal you you're going to buy your own phone I'm not going to buy you one I'm paying for your monthly service so if you want a phone you're going to save your money to buy a phone and you know it's going to be two hundred dollars minimum so it's time to start saving because that's what mom and I would do if we wanted to buy something like that so the Jones thing is definitely there but I also so think that you know income is like the most taboo subject ever right no one wants to talk about what they make right and in our neighborhood hood again I mentioned we've got surgeons and you know the General Manager Country Club lives across remained so these guys probably make money and they'll they'll have some of them will have new cars and my kids might ask about they got a new car when can we get a new car and I'll say you know everyone chooses to to spend their money differently hours right now happens to be going to pay off our mortgage and we'll have a paid off home within about a year year and a half and when that happens you know now the sky's the limit limit you WanNa go to Disney do you want to go to Hawaii should we go to Europe you know do you want to have a fully funded college education these are the kinds of things or work better yet how about now the the five of US start a family business and we go buy an apartment building and the boys will mow the lawn and you'll help collect rent it's and will teach you guys business in the real world yeah so it's it's different it's different than than my neighbors who say say oh you're sixteen here's a new car I'm not going to be that way I'm probably going to do what my parents didn't say here's an amount of money my parents gave me two thousand five hundred dollars and said go find something something you like and I'll probably do that with my kids and maybe a little bit more than that but yeah so are you loving your kids too much I tell my kids I love you every day multiple times a day without question I tell them no a good fair amount and when I do there's always a reason so you know even the Dunkin donuts thing I said no piper I don't think we will because Friday we're going to spend some money on you know cider doughnuts and apple cider in we'll get a pumpkin or two and things like that so we're gonNA save it for Friday that does not yeah she can understand that so am I loving my kids too much I don't think so I think I love him just right hopefully they would say the same thing yeah perfect well all right so what's going on with the with the you know you have the movie coming out Ted talk you're going to try to get to do with this this subject is there anything else in the pipeline that's going on you WanNa promoter pitch yes so I've got some well my book winning the Money Game Yes is now on kindle Dole so that's that's available on kindle as well as hard copy through Amazon I've got another book that's coming out in January called scholarship mastery that will also be released on kindle and it is basically how ordinary students get extraordinary amounts of money for school that that'd be a good one it will be a good one and I've helped I don't know how many people hundreds now but we've we've so far measured that we've gotten over four hundred and fifty thousand dollars in scholarships awarded awarded just from people following the advice in the book so yeah we're really when it'll come out in January yeah we need to get a hold of that so we'll do a huge push on it okay and then secondly you guys have inspired me and I'm starting a podcast in December really Mike yes yeah and the podcast is the build a bigger life podcast so you know you know that my mantra is build a bigger life not a bigger lifestyle and so our goal is to teach people how to build a bigger life by interviewing entrepreneurs and critical thinkers who are stepping outside the box and doing it differently differently and you guys will definitely be a focus of one of the podcast. Hey Joe is you've taken a passion and made it made it a business thing you do this because you love to do it yeah if pizza only half as captivated listening to you as we are I've had so many the people ask me like how do we get more of you and you know I guess I just wasn't ready to pull the trigger on it now with really great people behind me that that later helping with all of this we're GONNA launch it in December it's going to be once a week and I'm going to have some really killer gas in the formats going to be a little bit of of setup introduction and then and then I'll do the interview and then a recap at the end of here the action steps here's what you can do to take action on this and it's going to be a lot of fun very cool well that's that's that's awesome I mean I always like when people start podcasts especially if they've we've influenced them in any way to do so you guys were the Sole Inspir- ely man and then I talked to there's a guy named Thomas Frank who has a oh allow you know Thomas we have introduced hugh well that's right Ah yes he's so close to us yeah yeah so Thomas I met for coffee one day and he was like Amen Anything I can do to help and so he's GonNa help me with some of the back end tech setup sweet wheat okay good good Yeah Yeah Thomas is is amazing we love Thomas very much I want to ask you mentioned we have the two you have the two books the one coming out I don't have the money game what you mentioned another book when we were talking and I wanted to ask if you had especially it could be about student loan debt it can be about this this concept of loving your kids too much is there any books or resources that you'd recommend that people can go out there to get further learning this even if it's psychology based yeah there's one actually The one that I started reading this is years ago I finished it and then gave it to my daughter to read need I thought she would find it interesting but it's rich kid smart kid by Robert Kiyosaki The guy and the rich dad poor Guy Yup Yup and and it's you know it's a little heavy for for a kid but there's some great advice in there on that cool and I one of the things that I've done I'm GonNa do a whole vertical market of money savvy books uh-huh so I ha- I own the money savvy graduate the money savvy student the money savvy parent the money savvy newlywed and I'm GonNa create sort of here are the rules to be money savvy and in each one of these specific areas so those will be when those come out I think they'll be really good and I'm going to do a series of blog ugh posts about it leading up to it I think I'm GonNa blog blog a book here you go and what's what's the website people can find all this stuff at all the stuff will be.
"adam carroll" Discussed on Listen Money Matters
"And we're we're back you so you had to expose them to that like how did you instill this interest because that's like the dream were they are asking asking you to teach them yes yes how did you do that what's funny man I you know people have asked me that before how my kids it kind of became so knowledgeable about business and for me I think everything we do on a daily basis as a teachable moment and so you know just as an example sample Friday we're going to a pumpkin farm in an apple orchard and I I have no doubt that as we walk along I'll say Piper hyper count how many people are here just imagine every single person here paid ten dollars to get in so just do quick math how much do you think they made today and and how much do you think they would make it a week in a month in a year and then I'll say now what what do you suppose their expenses are and the kids will start rattling off all of their expenses and and so I'm getting them thinking about business in the real sense not I gotta go get a job but you know we have a crew people that come and clean our house and and they will ask you know ask about that and at one point we cleaned our own home and I they've heard me say listen it doesn't make any sense it's for me to do that it's not worth my time at one point they said what does that mean it's not worth my time and I said well if my goal is to make X. amount per hour and I know that they they can come in and do a whole house cleaning for you know one hundred dollars hundred twenty dollars then does it make sense that I would be doing activities that would make more than that so then I can spend more time with you guys on the weekend and they're like yeah that makes total sense so they just slowly start to get it I don't know I wish I had the magic nick pill or advice I think it's every moment you're with your kids as a teachable moment do you think that you're kind of like a business is financed nerd and you did it just kind of out of you anyways just like living in telling them the things you know and they just you know I mean you're the dads so they're interested I didn't what you're interested in totally totally and yeah I think that's a big part of it I am a finance and business nerd that's the big thing right see I andrew I would imagine and that's something that you would do and I had to imagine that's what your parents did yeah that's kyw news I mean not not like of it so much much more on the money Johny side and and the spending because when I was born my parents would go to the supermarket with a calculator and it would literally be like can we get this Rahman or or not like and then they would visit my their mom dad's parents in Brooklyn but the toll was like ten dollars or whatever and they would they would calculate like if they would save on and you know dinner and whatever if they could make it that week and so you from the beginning were so strapped you know then my dad became successful they always kept that mentality and a little bit of a lot was lost on me but you know but yeah yeah yeah yeah yeah that's amazing I'd be curious to know what your what your financial blueprint is if you guys ever heard of that term the financial blueprint imprint. Yeah I wrote like a little thing on it well you didn't investment blueprint I I did an investment I mean so when you say a blueprint like what specifically do you mean so we each have we each have this this thermostat this is a t harv Eker who wrote secrets of the millionaire mind he talked about that everyone has a financial thermostat and thermostat basically controls how much money you make in a given year or month or or our or whatever some people bold they just believe that they've their threshold is you know say any number one hundred thousand a year five hundred thousand a year ten within just saying they they stick at that point in when they hit that then it's like the thermostat kicks in and it goes oh now I'm Gonna I'm GonNa sit back and not try hard or or they never think opportunities that could make them half a million a year if they're making one hundred thousand a year because their thermostats not set for that and some of that I think comes from when you're young and you hear messages like you know Andrew heard you know if we go if we cross over and we pay this toll are we going to be able to pay for groceries next week well Oh that seed may have been planted in your brain where you got to be really cautious or that seed was planted screw that I'm GonNa make more money than I need so I never have to live that way and that's some of your blueprint it's awesome you bring that I was thinking this whole thermostat of thing I feel maybe a fair paramount of it is like how you perceive your own self worth like if you stop at fifty thousand mentally you believe that your that's like your limit and when I was younger my mom always told me how smart I was constantly telling me how smart and I would count the change in the car when we went wherever and and she and I find all this stuff out afterwards but I was in like gifted and talented programs because she was like she got me in there she made sure and I learned later because my mom my dad is he no one works hard and my dad always say like it's not because I'm not the smartest man in the room but I'm the hardest working man and so I learned later that it wasn't that was like some brilliant you know prodigy it was just that you know I knew that there was nothing I couldn't do could put the time in an anyone will put the time in it'd be me Yeah I love it that's awesome yeah I wanna go back to what your advice would be to the the mother who was giving her child Red Velvet cake and slushy what is that what would you say if you had a chance to go back and give her advice would you what would you say that's a really difficult question What would I say to that you know no I would I would probably go back and I don't know that I would give direct advice but I would ask some questions hopefully to get her to come to the conclusion that on her out she was doing yeah probably probably wasn't that healthy much like I would say to the woman in the grocery store you know hey I've I've been listening and I hear your daughter's really going going after after you want all these products how does that make you feel and you know have you noticed there's one thing you're not saying do you think that might be the thing that you could say to her that would actually show show her you know this is it and I I make certain assumptions obviously about the state fair situation gorse maybe maybe this girl gets fed vegetables all week long and this is the one time to come out and do this yeah I don't know probably not but but probably not but but I think that we wait a Honolulu situation on our hands was a little bit of a honey boo boo situation it was very honey boo boo yes I think the advice that I would give parents though is you don't listen to it's the same thing my wife tells me my kids don't want more toys they don't want more toys to play with they wanna play with me you know what I'm home I'm the I'm the one they come to and my kids have less toys now than they did certainly when they were young you know all every birthday every Christmas they were getting toys until until I finally said my wife and I both Kinda came to this realization we said listen our kids don't need baubles they don't need toys and and you know balls in in helicopters and all this kind of stuff they need money for college and they'd like a book or a DVD and then they want to spend time with you so if you WANNA take him to the circus or you want to take him to the zoo or you want to take them out to eat they'd love that but they don't need gifts they need money for school they need books and CD DVD's and CD's and they want to spend time with you and my kids are are literally the least materialistic of any kid I've ever known I mean they we go to stores and it's like Oh that'd be cool cool but I don't really need it you know my son My middle son just says I don't really need anything for Christmas interesting my daughter for her birthday she requests that people bring donations to the animal rescue league good gifts for her wow so the I mean the kids are very they're just non materialistic and I think that's that's a product of how we raise them and do you think that there's two things I wanna go into one is they go to school there with other children I'm sure those children have helicopters balls IOS and and all those things and they say look at the cool thing I got and they come home and said I want the cool thing that Janey has at school like that I'm sure that's an issue because there's peer pressure elementary lamented that keeping up with the Joneses even at that age the mentality and then the idea of do you think that Choi's or buying them gifts jeffs is a parent's way to say hey go play with this and leave me the F. Alone I think there's definitely finally something about that and I'm you know I'm I'm probably on the opposite side of that spectrum so as an example I just I take that back I didn't by my inlaws gave us a papa shot you know the the two the two basketball hoop side by side where the kids can go and shoot hoops okay so that was in our basement for about a year and and the the structure of it kind of collapsed but the backboard and everything was still intact so so I cut it in half and I put both backboards on either end of the basement and now we have a full on basketball court in our basement the reason I did it partially Oh yes to give them a place to go but partially so I can go down and play with them right in the middle of the day or on the weekends or whatever if it's crappy outside and and so yes yes I think to your point Matt I think parents give their kids toys to say get out of my hair this is yours go you'll play with your Ninja turtles play yeah exactly Josias Star a for me buy stuff that we can play together you know like we got ripped sticks and we didn't get three rip sticks we got four rib stick so I could be on on with them you know what is a rep stick so rip stick is like a skateboard but it's Kinda split into you have to balance and it's it's sort of like you're you're snowboarding putting on concrete that's awesome yeah it is cool I need that I need that toy I'm a kid at heart so that toy but right now I want it I will.
"adam carroll" Discussed on Listen Money Matters
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"adam carroll" Discussed on Listen Money Matters
"Three hundred dollars you have in there let's just put it into something that makes you money wide did you do like why like what what made you do that besides asking is brilliant I I'm just curious on like how you went from you know maybe not doing it to doing it as young as eleven years old or probably gone yeah you know it's interesting I I so I volunteered ver- event every year that money and it's just got was called it's called project money okay and it's put on by a credit union locally to me and these guys recruit high school students agents to comment and deliver a presentation on finances so they'll do kind of like the old science fairs really put up a poster board Yeah Diagram Yeah these these kids will do all all sorts of things some of them have written computer programs shrout one kid put together an unbelievable powerpoint presentation about dividend investing and I went to to this I took my daughter with me I spoke at it and my daughter came with me and she went through all of the the exhibits and she was so blown away by it she was asking me about dividends one day and I thought well let's just dive into it let's let's open account I'll show you exactly how this works and my youngest youngest son is not quite into it he just knows that he wants to make a lot of money with his money sure but he doesn't really care where it is and then my my daughter is more about the types of companies that she's investing in so American girl dolls or her thing yeah it's it's that kind of stuff I I wanna take a break if you know mindless you have more questions Russians Andrew you're looking at me like you're about the I mean I have plenty but I'll write them down we have a whole another we need to take a break we'll be right back in a master's degree can help you get ahead in.
"adam carroll" Discussed on Listen Money Matters
"Was was being sucked out of him and so he said it although it was probably one of the most profound moments for us because I never did go back to them and ask for money right because he told you alone now yeah I'm just like I wonder how does all right so we we we established that we may be loving our kids too much and I'm sure some people out there who have kids are saying like me yeah but then some people might be reluctant no no I know these my only sonner he's my only she's my only daughter I don't care how and how do you make the argument for someone like that to get over this idea well I got a great example there's a guy that I used to work for and he does have an only child and he's divorced they got divorced when the kid was very young and I was talking about not spoiling kids and I want to make sure that the kids understand the value of hard work and that you know that that they that if if my children are self self made that would be extremely important for me and he said I'll buy my son whatever he wants to be a it's gotta make it harder during the during the divorce though yeah right yeah yeah 'cause there's there's competition I think and this guy's made a fortune in his lifetime so he's got spare cash the challenge with that is and I'm I live I live in a fairly affluent neighborhood neighborhood and and a lot of my neighbors are doctors and surgeons and whatnot and their kids all drive brand new cars so you know again if they if if they continue down that path and they pay for their kid's college education and maybe they helped him with the down payment on a house while I'm you know supportive of that to an extent dead I also think that the kids never really get a true sense of what things cost because they've always gotten it for mom dad and so at that point do they give it to their kids ads or or does it skip a generation or you know what happens to build like a legacy like a family legacy of wealth you look at the Rockefeller's the very first thing John D. Rockefeller did with his kids was he gave them a quarter allowance and those and then he gave him a double entry bookkeeping journal and those kids had to account for every single penny of where they spent save gave or invested and if they couldn't account for every penny they wouldn't there quarter the next week or the next to them so we create this arguably the Rockefeller family's the most wealthy family in the world and the wealth is continued where a lot of families you know the the low wealth last generation or two and then it's gone 'cause they didn't teach that system maybe the legacy see isn't the the number of dollars may be said he taught them how to handle those dollars and then just because they had so many dollars that it perpetuated yeah yeah true could be could be so it's so it's a matter of instilling discipline or maybe teaching the value value of even if it's a quarter or a dollar right and making them keep track and it's almost like the idea of being mindful of of it very much so the other day and I'm dude I'm guilty I'm totally sure I so I and I love my kids to death if my kids it's came to me and said Dad I really want this we would probably figure out a way to try and do it it might be you know housed under a birthday gift or a Christmas gift or something like like that if it's a big purchase the other day my daughter came into my wife is bedroom in the morning and she said Dad can we go Dunkin donuts this morning and it was a Sunday eh sometimes prone to do that like Dunkin donuts 'cause I love gasoline and and I said you know working to go so we're going Friday on a pretty fun outing so I think we'll just saving money for that and afterwards my wife said I'm glad you didn't cave because normally oh you would've caved on that and it's not it's ten bucks right if I go over and I get everyone something it's ten bucks maybe yeah although at Dunkin three dozen donuts and they give you money back it is weird crazy cheap so so ten bucks not a big deal but the whole idea is that if the kids always is get what they want then they become spenders who just by what they want on impulse and I think there's something to that like I love my kids I'll buy whatever they want so they say I really want this toy at target when we walk through target well if you do that once you kind of set this precedent now every time they want something they're gonna get it and you did it the first time out of love but every other time it's because they're pitching a holy fit in the store because you're not buying them what they want right and so so we do it out of love first and then after after a while it's not outta love is just out of I just want to shut him up right what do you do when they're throwing the fit though do you call like a mall mall security in like have them handle it I mean yeah you like I picture the The kid who's just pointing at the cereal boxes in the grocery store and it just throws attention attention when you know the mom or the dad won't give him that serial totally I was that totally kid so I was you know how would you go into a grocery grocery store a food store and you get your car and you happen to be like in lockstep with another family so the entire time you're going through the store you're with them your entire time so happy that happened to me at a at one of our grocery stores here and and I was overhearing the conversation the entire time and and the daughter her is saying mom I want this can I please have this I want this we need to get these and the whole time the momma saying you don't eat those when I buy them you I just threw out a whole box of those everything she said was basically saying no but she never said no right and so this is part of my message pitching in in you know unplugging the parental ATM machine it's like if you don't tell your kids know affirm way what we we go into a store with our kids it's almost like the the emergency ro talk when you get on an airplane I get down face to face them and I'll say today we're going to the store we are buying only what we need not what we we want if you're really good we might get a little something at checkout but don't want I want I want I want throughout the store we are only buying what we need is that clear then I'm like I need a verbal yes from each of you as I look at my kids in their faces and we go win they're great they're well behaved but they've heard no before we even go in and so it preps them for it and say afterwards hey I love you guys and I love how you were in there and we're going to stop and get an ice cream cone or something we're going to stop and get a red velvet funnel cake uh-huh wants to slash now type two diabetes by eighteen because he didn't say anything in the grocery store you're allowed to have type two diabetes that's what you get no I here's here's one of the there's a story that I have that I I I I feel it falls along these lines when I got a credit card at eighteen in the mail I got the word no right so my dad and my mom would like I know you're not allowed to have a credit card and I said Fuck you mom and Dad let's say to their faces you know but like I'm going to because because I'm I'm eighteen now I'm an adult and I won't as credit card because it's five hundred dollars in my brain at the time so my parents did essentially was you know give me that you know you disobey your parents you're young you're eighteen and then I they never taught me the importance of a credit card and how it works and when the problems with it or that you know or how to avoid the problems that come along with credit cards and I got into serious serious credit card debt and end completely destroyed my score and now I've learned but it took me years to figure that out and that's why when you brought up the John D. Rockefeller I like that approach more so than the no approach yeah and is there a way to balance the two the two and Wendy bounce it too yeah I think you definitely certainly can and and you know with my kids they get they get allowance we haven't allowance program in place a percentage of it has to go to savings and so on co they it was a percentage on so we do we do a seventy ten ten ten of seventy percent they can they can spend shows it's not a lot it's like five bucks five bucks a week sound big deal seventy percent they can spend and then ten ten ten savings investment and giving and ah but what's called the seventy ten ten ten is that what is it they call it the GIF system or that gets the Adam Carroll the system and I'm catching against the listen moneymatters trademarks Trademark that now sweet so we had we had a we had a policy I set a policy in place in my kids were young that they had to have an emergency savings account and when they were five they had to have at least five hundred dollars in their savings account bow and so every time they got birthday money I would say okay this is going to go in your emergency fund will you know people ask me what kind of emergency does a five year old have and they really don't the the key is that if they know that they they're supposed to have five hundred dollars at five and six hundred dollars at seven and seven hundred dollars at nine and they always have that amount of money then at eighteen they're probably have a grand in a bank at all times because it's just been ingrained in them to do so right so so they have an emergency fund anything over and above their mandatory amount is there's to spend on what they want although I'm really getting my kids now into buying stocks so unreal ones are like paper on railway ruined so they they got excited my daughter was asking how banks make money and she's eleven I was like I don't I'm like captivated come up with this stuff I don't care how babies are made I want to know oh how banks make money yes I was like I've never loved my daughter more than the minute she asked me that question that's not the birds and the bees that's something else yeah exactly Ackley so we started talking about stocks and shares of stocks and dividends she said well how would I buy a company and make dividends on the money that I have in my savings account and so we showed her each raid and we set up an e trade account for her and she's looking at at a target and she loves pets so it's PETCO and Petsmart and were comparing the two and you know I'm talking about Animal vet companies that might offer vaccinations to that selling vaccinations to vets that's because she wants to be of that someday so she's she's starting to research this stuff now and and putting money in these stocks which is really cool and you do it through an e trade account yeah that she does she has access to the trade account really wants to look at it every weekend you know see what what her money's done and I said it's not going to grow that fast right but it's going to grow faster than it wouldn't your savings as account so the extra two or.
"adam carroll" Discussed on Listen Money Matters
"Coffee who'll from from my chiropractor really got adjusted this morning and I have all sorts of blood flow to my head now so I can talk to you guys perfect and what kind of I mean there's the coffee good if it's free it's good it's like a donut shop coffee doughnut shops shopped over here good so good cool well all right so for those who don't know you're working on a movie called broke busted and disgusted it's about the student loan debt that crisis how're things coming along with that things are coming along very well we we are in production and that means that we're shooting interviews yes we are talking with administrators with professors with students with politicians. I mean we're kind of all over the board in terms of those that we want to get stories from and next week I lead for Colorado and we are doing three days of shooting interviews with focus groups and some of the professors out there in a couple of deans of business schools so it's it's a going amazingly well and we're getting lots of great stories I was GonNa say you must have a ton of footage right now yeah yeah it's ridiculous actually how much we have but I'll tell you what guys the stories that were hearing would literally make your skin crawl and we examined the amount of debt a young lady graduated at the age of twenty two her academic adviser suggested that she do three or bachelor's to Your Masters Program and they she said well you'll be much more marketable you know with a master's degree in human resources at the age of twenty two or twenty three or whatever it was so she's now twenty gate lives at home still has one hundred seventeen thousand dollars in debt is making forty five thousand dollars a year while she marketable yeah yeah all right hasn't really even made it in the middle management yet and She told me that she's pretty convinced that you'll have this debt until she dies really yeah how how so the challenge with an all is that there's no protection there's no consumer protection whatsoever so I did a Ted talk talk a couple of weeks ago and I said you know imagine being expected to buy a home when you're eighteen and they tell you just go pick out a house you like it really doesn't matter or how big or small it is no need to qualify for a loan based on your income we'll just give you whatever amount you need and make it easy you don't even have to pay on it for a few years you can live in the house for a while and we're not going to tell you what the payments are right right if you want to fix it up feel free to borrow more money by car even know what that means he's not making any money any right no exactly per month is exactly that's when you put it like that it's actually pretty depressing yeah yes it's amazing I'm in the film's is going to be it'll be a blockbuster I'm sure it'll be sold at blockbuster soap not exist now but You know one of the things that I you know did you watch the John Oliver the last week tonight thing where he just like rails rails on student loans the student loan debt crisis yet compared it to a sexually transmitted disease if you're going to get one yeah and then like he did one on the end what I didn't know and I don't know if your film touches on this at all we don't have to go into too much but the for Profit College Industry Yeah Oh yeah it's ridiculous bad it's ridiculous are you guys touch on that at all yeah we are a little bit it's you know it's it's definitely an issue because they are the ones that are going after some of the student loan money he and I and that the whole issue of them going after the Gi Bill cut that's amazing to me they're they're recruiting military ex-military military that you know have a Gi bill and some of these guys don't even know what you know what classes they're signed up for the sad state of affairs it is it is so I well let's could hear the movies coming along any like updates on when you start editing or when you start to go down a deeper path breath yeah we'll we'll probably be in the editing bays starting in December okay so our goal is to do about four to six weeks of editing and then we'll have we'll have all of our posts done it oh by January is kind of our ideal although we've had a couple of major financial institutions step up to US listen say we might be interested in helping you underwrite or help with distribution so that has to be real yeah that could be really cool interesting so I want we want to talk a little bit about the debt crisis but one of the things that you brought up to me we we had a conversation a while back not not too long ago but you have been pitching this this talk around and give me the title that you have because the title was what sold me immediately really yeah the title is our loving our kids too much now andrew and I don't have kids you have kids right I you know I don't don't have nine I was waiting for Andrew to answer that like spars I know it's yeah right you don't who knows I have three children yeah ah six nine and eleven all right so what's the what's the general overview of are we loving our kids too much because I mean I I happen to I I think we absolutely do but it's hard for me to say because again I don't have kids so like Oh you don't you don't understand you don't have kids one day when you have a kid you'll be spoiling the shadow home you'll love the dad you'll give them anything they want so like what's the overarching like idea of this so the overarching working idea is that we I think in America we coddle our children in the name of love but what it does is it actually creates really ineffective adults and young adults and so I was I'll give you two examples where this all came from I was at the Iowa State Fair which is I like to say that it really brings out the red white and blue of America rednecks white trash and blue collar so it's a great rape people watching place I love to go we we go and and just sit at one of the beer tents and just watch people and I was watching this family walk along there is a little girl who was probably eight or nine years old maybe and you know to put it politely. Her Height and weight ratio weren't quite an alignment Edmund yet and she was carrying a red velvet funnel cake on a pay for play and it was very oh yeah oh yeah okay you yeah and so she's eating it it's very clearly hers alone just hers her final Kate Great and she says I over overhear her say Mama where's my Soda Gimme my soda and her mom Hansard this hurricane glass like a like a thirty six ounce Hurricane Cup you know big long cylindrical one yeah full of slushy like red slushy and that was her soda and I thought you know if you ask the woman why does your child have a red velvet funnel cake and a thirty six sounds slushy all to herself she probably say I love my daughter I'll give my daughter whatever she wants it's so do you love your child enough to give them type two diabetes I was GONNA say like it's red died number five and huber diabetes yeah that's An and if you go into you know we don't we don't particularly by a lot of sugared cereals or anything like that are are houses generally not stocked with junk food but I know families who grew up on that stuff at it might say hey I love my kids I'll give them whatever they want and we feed our kids you know process junk food and and that's part of the reason for the obesity epidemic and secondly I was at an event where I was talking about I call I called a talk that I do unplugging getting the parental ATM machine and it's all about what to teach your kids about money so they don't spend your retirement and usually get parents who are very interested in the topic because they have have kids who are on economic outpatient support you know they're constantly on payroll with their parents okay and so I I'm I'm sitting there talking to this dad and he said so what do I do my twin daughters or at a community college in Los Angeles and I was like well first of all they're at a community college in Los Angeles yes you know and this is the guy who is in the heart in the heartland and and he said I whenever they text me they're always asking being for money and I said so what do you do and he said well I put money in their account and I said have you ever heard of this guy named aim Pavlov who had these dogs and ring a bell you know they'd Salvi I said your daughter's conditioned you that when they text and quote unquote need money honey you put it in their account why do you do that and he said I love my daughters I don't want him to struggle at that point there is about ten people sitting around the table and I said to each one of them that you struggle when you were twenty did you struggle when you're twenty did you struggle when you're twenty and I said Jim Maybe the issue as your girls need the struggle all because that's what creates you know us yeah it creates the person so builds character I think what we're doing is we're taking away character building Gopro with our children because we in the name of loving them we give them what what they want because for number of reasons right some of us are guilty about not spending enough enough time or you know maybe their children of divorce so we we overcompensate with food and gifts and experiences but the gist of the message really in in all of this is I think there are four words that we have to tell our kids as much as humanly possible I love you and no and if we tell our kids I love view and no and give them a reason why we're saying no than the yeses mean all that much more to them right I think there's a few things that come to mind right so when I I was a kid not a kid when I was in high school I go I would I couldn't bring my own lunch to school that just wasn't an option for me I don't know why I had to buy lunch there but in any money me so I would always borrow money from my dad and the way I would borrow money is I would use his shower which is where he would keep his wallet and I would I don't know why it quoted while it was really as well at and he always had cash and air and I would take out five dollars or you know whatever whatever amount I need it for lunch every single day until the day came where he's like I didn't get cash out and I'm like I got mad I'm like what are you meet and get cash out Hamas eat lunch figure it out I don't know go make sandwich and it's like this I got dependent on this this just this cash flow that was just always there and it's a date that's not there it's like the day you struggle on the day you learn that you gotta figure shit out on your own so I think that that's not to say that I mean look five dollars here and there as you know whatever but when it's consistent then yeah your kids get spoiled I guess for lack of a better only totally I mean you know going back to the film the documentary yeah when we talked to students and we asked him about how do you handle money in college or how how how did how did you talk to your parents about who is GonNa pay for school most of them said I've never I had that conversation with my parents so again you know you WanNa love your kids well prepare them for that prepare them for the my dad I remember sitting down with me and saying listen to them we're going to pay for a hundred percent of your first year seventy five percent of your second fifty percent of your third and twenty five percent of your fourth if you go any longer than four years it's on your own and And at twenty he came home one day I may have told you guys this story I came home one day and my dad was a master nogotiated he didn't negotiate he just negotiated so I go hey dad can I get forty bucks to go out with my friends this is one weekend I came home he goes thirty the bucks what do you mean twenty bucks for I'm not GonNa give you ten bucks money on your right it's like you just wouldn't do it he he did reluctantly give me ten dollars and he said every time you get from me after this considering alone and that was an age twenty so you know after that it's like well if it's up to be than you or if it is to be it's up to me so right and you know where he learned that from or how he became highly instilled that upon you well so I heard the story later on that very we day that I came home and asked for that my sister had asked for one hundred eighty bucks to get your brakes fixed and three bills had come in the mail that he wasn't expecting and I think he was is just pissed off that you know all this cash.
"adam carroll" Discussed on Listen Money Matters
"And what are you drinking good you good I just wrapped up on Bego washing down border because it's still free noon so I can't be too much of an alcoholic do you eat bagels because is your from hoboken or because you're actually I think it was like five my mom is like in the mornings bagels like it's Oh it now all we have is bagfuls bagels because they're delicious and I believe it's rankles amazing amazing I mean bagels because they're delicious and I think it's because of our water and because we put floride in perfect I all my dad here's that absolutely I have fluoride free toothpastes because of that man the the aliens communicate that's how that's how they control the population coats perennial gland it all started with the Nazis and full full circle so much right now good Lord Anyway today's catchphrases Mo Money Mo money I don't know if the question was supposed to be there but it's from Corey from facebook thank you corey sorry and you can send those into facebook facebook dot com slash moneymatters or twitter account which I prefer at moneymatters man today we ever returning guests which we rarely really do rarely do we he's in the club what's the club there's got to be a club of returning guests where's where's my punch-card that's what.
"adam carroll" Discussed on KTRH
"Conservative question where have all the adults gone that's Friday on Houston's morning news that the internet cannot replicate. I was going out I was on a duck duck go and being in the different sites because my goodness broke. trying to find the song. we've played it on the air. there's a song it's not a major label. that the published it. about banning things band this band. there is a song. it's by a guy. I don't think the guy is a major record label gas. it's it's like an Adam Carroll can again guy has some clever songs sort of a a Todd Snyder without a doubt alright gas. so is this one he's gas it that has what's the pension preachers guy name. is he anyway it's a god it's kind of at that level it has a sort of a cult following but maybe not a major record label. they write very clever songs in the song is about band this band that you. you know you can't do this but I can't I must not be using the right search terms. so if you know what that is email me Michael berry show dot com. someone may hear that song. it's amazing to me how trends can take off without me ever noticing it. and end up being incredibly widespread. and for whatever reason I didn't have the slightest clue. my buddy racing which tells me a year ago so he has a son who's a senior and a daughter who's a sophomore. and art memorial high school and so at that time his sons of junior and his daughters fresh. this man this vape is a bad deal. we time at schools all the high school kids or vaping. are you serious yep that's what they do the older. all minute not all not literally all but it is widespread. now it's got to be kinda harmless he's well it would be harmless. what the heck. my phone is lost as mine I got excited over vaping list of like cigarette in his big tobacco well a big tobacco owns the vaping industry so if you were wondering about that but he tells me you know the you're gonna be surprised and he told me because my boys were at the time and fifth and seventh grades keep your eye out for this because it's it's something that the kids are doing. so Michael was having migraines couple days ago my wife takes him to the doctor. in our doctor is very much about having conversations about things that affect their health that might that my doctor would have asked me doctor Allen doctor Rutledge when I was growing up you walked in your mother told him what was wrong and doctor Allen gave you a shot that should be just give you a shot and the reason I like doctor Rutledge was the younger doctor that bought out his practice is doctor Rutledge would give you a pill but my mom was kinda old fashioned she was of that they're a deliver some raw easy shot a shuttle solve it yep I shot are in in a month I didn't like either one and in one either one either we're not going to do either one if no I don't but anyway. my doctor did not talk to me about those sorts of things but the young but we like this particular doctor so she says to Michael. you what do you know about this vaping. and he pretends to know nothing and she said are are there other kids at the school of AP and he you know takes one for the team no not nobody's vapor and nobody in the middle schools she said I don't believe that because I have other patients who were in your grade at your school and they said the other kids are vaping and I think they are. so she tells him my wife and our time at this last night well I'm a go and Taye right now the school has installed vape detectors shouldn't we get my wife now should their vape detectors because it's that big a problem. and it was all stressed out my god I got vape detects fate detectors okay all right so apparently this is a big thing that kids are doing now does that mean that we need a fit N. F. D. a reaction to it no it doesn't. but I am putting that in the context in obviously the mommies are concerned and rightfully so it's not something you want for your kids Randy. where do you where do you smoke when you smoke. porch of my house mark on totally disabled after them for twenty years all right so you do what you want are you married. no Sir you got a dog. yeah this is just my best friend just you and the dog. my dog my mother okay does your mother smoke. now no Sir so you go out on the front porch you got it yes your your smoking chair you sit in. yes okay yeah and the reason you feel like you need to quit smoking is she nags you or you just kind of feel like generally at should smokeless. well. the multiple health issues and I was diagnosed with COPD fifteen years ago I'm not on oxygen I don't have any issues with COPD that I just I just need to quit. when you say you need to quit do you really believe you need to quit are do you think that's just kind of society would rather you quit and so you sort of say that because I hear this often. now my goal I don't really are very high and I respect opinion but doesn't affect what I okay have used and you started trying to vape. yes yeah and how did that was is that an alternative for you. well it is winning me off. actually do you and I don't have anything the way you enjoy smoking. no it's not as good for you. we lost Randy. Randy. all my goodness. look at that the vape pen took him right there folks that's why you don't need to quit that vaping. there he was right in the middle of a phone call and drop dead my goodness this is not the first time this has happened. but it's the first time it's happened to a vapor. this is probably gonna make national news. caller to talk radio show dies in.
"adam carroll" Discussed on I Love Marketing with Joe Polish and Dean Jackson
"Yeah we've known each other for over twenty years and so yeah did here's here's one thing i have to mention too though and this is where we gotta give alex like a lot of credit i started my very first podcast with alex in two thousand and five and we've been doing it for seminars and for the cleaning industry and you could probably find those episodes way back when and i think that's when it was right alex in two thousand five yeah i don't even know if they call the podcasting back then but it was two thousand five no it was podcasting it definitely is podcast that was right when 'cause that was when the guy from little known fact that guy from mtv is the one that coined that phrase podcasts could go with the ipod you know 'cause you can download it onto your ipod and that was a so that's kind of a little known fact that everybody's got hey how i say he did he did it worked with dr drew yeah who did the forward to my new addiction book that's coming out in june of this year the american forever which is a yeah so funny adam carroll yeah adam crew up there you go that was his name so alex for people that don't know who you are what you do let's kinda at least give some background of who we're talking to i could talk a lot about you because there's all kinds of amazing things but we'll get into all of that but how should people no no of you of what should they know before we launch into this well after twenty five years my mother still doesn't know what i do but i started in the nineteen nineties which is b g before google and i.
"adam carroll" Discussed on WHO NewsRadio 1040 AM
"Money on bannon body in the morning van harden has the day off emory song and jeff angelo be sitting in the hot seat and we'll have a special guest from iowa state center with us as well monday on van and bonnie in the morning on newsradio ten forty who all right everybody you know one of the things i volunteer at every year business horizons if you have a high schooler they need to go to business horizons i'm not kidding you it's an incredible event it's years of college and career experience in one single week and there's even college credit and scholarship opportunities available it is july fifteenth through nineteen th at central college in pella now here's here's what happens they basically make a product they pitch it to real investors they create all these products they market them they develop marketing campaign and they connect with iowa pros adam carroll bunch of ceos really cool speakers i'm there i volunteered now for over five years and i'm in the media tracks i'm going to be teaching them how to write for like the wall street journal washington post harvard business review i've written for all of those i'm gonna teach them about media it's a really fun time they need to go to business horizons iowa dot com right now to apply if they do so before may fifteenth they get a sixty dollar discount on registration that's business horizons iowa dot com hyper betty van and bonnie here we have a chance to meet you and your whole family this week midwest construction is celebrating their sixtieth anniversary open house bonnie and i will be at the grime showroom from eight in the morning till one in the afternoon yep five hours this saturday take interstate eighty thirty five to the grimes exit and follow the signs north it's really close to register for the midwest construction vip club family and home giveaways while you're there membership is free you can register for the april family give away a one hundred dollars visa gift card to start your garden also registered for the second quarter home giveaway a thirty six inch entry door with window and hardware at twenty five hundred dollars value you can even enter online if you'd rather m w c i n c dot com check out the american classic insulated siding the ever last advanced composite siding the echo smart replacement windows and the.
"adam carroll" Discussed on KBNP Radio
"What week again we talk about also marketing prep best practices up and and and disciplines here but what what would be another example of all of our internal marketing let's practice or are up so question or something like that so for you'd be the people you manage why don't you trying to fill up the feat off for forgiveness and not for permission gotten try something and can only hope worse than even he's crew operandi talk about what but i'd rather have gets a condition and you coming to me everything alright getting line open the get them gonna an authority to do it got the end of the year off the gifts is not to mention it what member of and they have him but it but it's got to be a part dangerous the little expensive in a small business owner talk marcus smart with thomas part of the new bucks call the twelve power the metropolitan business association there's portland's premier executive networking organization we introduced its members services to human this and be a report with us for junk at storied adam carroll cost factors seem to be a decision that people way on more than the service more on the clown announcer background of staff you're not a franchise not need in many cases better pricing along with a great service you provided jumped at stuart a lot of is just an education piece i think anyone that's call the one of our more famous international competitors at some point in time would definitely be excited to know that there was a local service the provided the same service maybe even a better quality a service at a much lower rate once they know that all the off occasions us in the last in determining factor.
"adam carroll" Discussed on KBNP AM 1410
"The metropolitan business association there's portland's premier executive working organization we introduced its members services to human this nba report where this is the chief implementation officer for junk at storied adam carroll chuck it start was started back in two thousand eleven with a unique proposition to where we could not only and remove items for people that they would consider junk but we can also take items catalogue down placement storage and then returned into their owners on demand so it's really to methods of making space from our living someone's john because another man's treasure in two different ways in the one way that we have items that people have placed and storage that may not necessarily be usable anymore anything that the person on some a donate that the someone who deftly use it more we've work with goodwill habitat for humanity re story and other local charities that really really use these items that most people consider junk all items are no longer being used in storage and with that same token we clear people's grudges in space and stuff that they realize that they think may no longer need to be use better other locations are you the work of full turn a due to the crowds at i can yards so we see every year in every neighborhood around the area yeah i actually think so a lot of times we go through especially during summer time we come out we do it's called brought so cleanup as many times you show up at five o'clock on david routes and i guarantee they're not done is still good and stuff so when people look at all the things that they have left over what's going to go back and you're grouch and still you doing what you didn't want to do in the first place which is being at home so go and remove i don't like that and again re purpose or years you know everything we can out of what's the best way people.
"adam carroll" Discussed on KBNP AM 1410
"To human this nba report where this is the chief implementation officer for junk at storied adam carroll chuck it start was started back in two thousand eleven with you mean proposition to where we could not only remove items for people that they would consider junk but we can also take items catalogue downplay summon stories and then returned into their owners on demand so it's really to methods of making space from our living someone's joke is another man's treasure in two different ways in the one way that we have items that people have placed and storage that may not necessarily be usable anymore anything that the person on some donate that the someone who deftly use it more we've work with goodwill habitat for humanity re story and other local charities that really really use these items that most people consider junk all items are no longer being years and storage and with that same token we clear people's grudges in space and stuff that they realize that they think may no longer need to be is better other locations are you the work full turn a due to the college out i can yards so we see every year and every neighborhood around the area yeah i actually think so a lot of times we go through especially during summer time we come out we do it's called brought so cleanup as many times you show up at five o'clock on democrats i guarantee they're not done he's still got stuffed so when people look at all the things that they have left over what's going to go back and you're grouch and still you doing what you didn't want to do in the first place which is being at home so go and remove i don't like that and again re purpose or were years you know everything he can out of what's a bust way people can get a hold of joke it story and learn more can find some line that jump get stuart dot com or you can give us a call at any time five oh three three nine seven.
"adam carroll" Discussed on KBNP AM 1410
"The blue tripled in business association there's portland's premier executive networking organization we introduce it's member services to human this nba report where this is the chief implementation officer for junk at storied adam carroll chuck it start was started back in two thousand eleven with you mean proposition to where we could not only and remove items for people that they would consider junk but we can also take items catalogue them placement storage and then returned into their owners on demand so it's really to methods of making space from our living someone's joke is another man's treasure in two different ways in the one wait that we have items that people have placed and storage that may not necessarily be usable anymore anything that the person on some can donate that the someone who deftly use it more we've work with good well habitat for humanity resort and other local charities that really reuse these items that most people consider john all items that no longer being isn't storage and with that same token we clear people's grudges in space and stuff that they realize that they think may no longer need to be is better other locations are use a workable alternative to the college at i can yard sale we see every year in every neighborhood around the area yeah i actually think so a lot of times we go through especially during summer time we come out we do it's called brought so cleanup as many times you show up at five o'clock dave routes and i guarantee they're not done i still danced so when people look at all the things that they have left over what's going to go back in your garage and still continue doing what you didn't want to do in the first place which is being at home so go ahead and remove i don't like that and again re purpose or years you know everything he can out of what's a bust willie people can get a hold of joke at story and learn more confines online at jump get store it dot com or you can give us a call at any time five oh three three nine seven.
"adam carroll" Discussed on KBNP AM 1410
"The metropolitan business association there's portland's premier executive networking organization we introduce it's member services to human this nba report where this is the chief implementation officer for junk at storied adam carroll chuck it start was started back in two thousand eleven with you mean proposition to where we could not only and remove items for people that they would consider junk but we can also take items catalogue downplay some in stories and then returned into their owners on demand so it's really to methods of making space from our living someone's joke is another man's treasure in two different ways in the one way that we have items that people have placed and storage that may not necessarily be usable anymore anything that the person on some can donate that the someone who deftly use it more we've work with goodwill habitat for humanity resort and other local charities that really really use these items that most people consider junk all items are no longer being isn't storage and with that same token we clear people's grabs in space and stuff that they realize that they think may no longer need to be use better other locations are you the workable all turner live to the college out i can yards so we see every year and every neighborhood around the area yeah i actually think so a lot of times we go through especially nine summertime we come out we do it's called right so cleanup as many times you show up at five o'clock on democrats i guarantee they're not done he's still got stuffed so when people look at all the things that they have left over what's going to go back and you're grouch and still continue doing what you did on it in the first place which is being at home so will go henry move i don't like that and again three purpose or were years you know everything he can adam what's a bust willie people can get a hold of jumped it story and learn more can find some line that jump get stuart dot com or you can give us a call at any time five oh three three nine seven.