35 Burst results for "CFP"

"cfp" Discussed on Optimal Finance Daily

Optimal Finance Daily

04:12 min | 4 d ago

"cfp" Discussed on Optimal Finance Daily

"Five hundred and fifty five days ago. We sold our big house in the city and moved to our retirement cabin in the mountains as soon as the proceeds from the sale of this city house landed in our bank account. We wrote the biggest check of our lives paid off the cabin mortgage in became officially one hundred percent debt. Free how then are we know. One hundred seventy one thousand in debt. What went wrong you ask. It's all part of the plan. It wasn't part of our original plan but our plan was wrong. We planned anyway. One of the things we learned during our final approach into retirement is that you have to remain flexible. Plans change and that's okay as long as you're making improvements from good to great. It's fine to change the plan as the situation changes. It's part of life and it's easier to swim with the current. Just make sure your steering the boat. Why were taking on debt to move from good to great is all debt bad not in my mind and not in the view of investor pedia. It's important to the difference between good versus bad debt and think through the internet -cations before you intentionally incur any debt once you stand the power that good debt can provide and the costs required to obtain that power. It's worthwhile to look at debt. A bit more strategically. When does it make sense to intentionally take on that. In our case it made sense as part of our move from good to great today. I'll tell you why reason number one low cost debt when we thought about moving from the good to the crate cabin. We had a variety of decisions to make number one. Is the good cabin good enough or do we want to make a move for great number two if we move for great do we by the great cabin before or after we sell the good cabin number three if we buy before we sell do. We have the liquidity to pay cash and number four. What's our best option to finance. This move to great. The answer to the first two questions was a resounding yes. We paused on the third question regarding liquidity and gave a deeper thought while it was possible for us to liquidate some investments to pay cash for the great cabin wasn't necessarily the best course of action for us. That question lead naturally into question number four. What's our best option to finance all of this the primary driver behind the decision to take on the mortgage with today's historically low interest rates. As you'll see shortly there are additional reasons why we chose to take on the debt. Less than a year from our planned retirement those factors however would have been out weighed by a more historical that is higher interest rate. We looked at it as pure cost benefit calculation and i'll be the first to admit that cheap money drove our final decision. I'm not alone as some. Cfp's are now recommending folks shouldn't pay off their mortgage is due to current interest rates. We've thought it through. We're comfortable with our decision. Had it not been for the historically low interest rate we were able to secure. The decision would.

Cfp
CFP Selection Committee To Meet In Person

KRLD News, Weather and Traffic

00:50 sec | Last week

CFP Selection Committee To Meet In Person

"Friend Brady McCullough is reporting this morning that the college football playoff committee is meeting in person in Texas for the first time today. A to least the first time this season today you heard that right in person in Texas executive director Bill Hancock said that the committee members quote think the discussions will be more effective and thorough. If there in person and quote by your son a week when millions have shelved their normal Thanksgiving travel plans. There is a single logical reason why this committee needs to meet in person today. I mean, so I guess I gotta bought a logical reason, and that is that it's been so politicized that you're gonna have those people who pose as Sports folks, But I'm said, just want to rile up one of the two bases that are out there and exploit the hatred in this country will get on your back. That's the real reason. I'm not going to say their names and give them The attention that they want, but no, there's no you can't do this by zoom for now.

Brady Mccullough Bill Hancock Texas Football
"cfp" Discussed on Get Up!

Get Up!

03:16 min | Last week

"cfp" Discussed on Get Up!

"Football fans wolverines. Lend me your ears. I'm here today. Not to bury jim harbaugh but simply to tell you the truth. Which is that for reasons. No one could have foreseen. Harbaugh just has not been able to translate the enormous success. He had in the nfl to his alma mater and it is probably time for him to go back where he obviously belongs. The facts are the facts in ann. Arbor are has lost more games in the last three weeks than ohio state has in three years is oh and five record against the buckeyes is the worst of any coach on either side of that rivalry ever despite ranking top. Five in recruiting four and five star players during his tenure. Michigan is not had a single offensive skill position player drafted in the first or second round and has matt quarterback make even second team all big ten. So we're just hasn't worked. Why with the nfl be different because harbaugh has proven he can do it there in nfl history. Only one coach one more games in his first four years with any team then harbaugh did that. Coach george siefert. He inherited a super bowl. Champion horrible inherited a team. That hadn't had a winning season in eight years. He immediately won thirteen games. He made the super bowl and his second year in history. There are five head coaches who have a higher career winning percentage than harbaugh. All of them are the hall of fame are also transformed. Alex smith from a bust into a playoff quarterback and he developed colin kaepernick into arguably the most dynamic threat in the entire sport. So we don't think he can win in the nfl. we know it. Because we've seen it and candidly right now. At feels as all the time has just about arrived for us to see again. That's what i think so with that thought in mind. Let me go over here. And i find heather dentures up with us early and paul finebaum and paul of course has got that little smile on his face as he always does. Whenever we bring up. Jim harbaugh is other stuff. I want to get from heather today. But i will get your reaction paul to what i just said well greedy. What i think is important is how you portrayed that it's about time someone looks at the facts and doesn't go hyperbolic hyperventilate. Like some of the talking heads on television about jim harbaugh greenie. You're correct There's nothing i can add to that. As one of the biggest harbaugh critics It's time to lower the rhetoric. Face the reality jim. Jim harbaugh needs to do that. And that's what upset me the other day when we talked. He seems to be ignoring the reality. He's not getting it done. He doesn't need to be fired. He just needs to leave and i hope and i think i think jim harbaugh smart enough to figure that out. We'll see so. That could be a couple of weeks away in the meantime heather. The real reason. I wanted you. This morning was because i saw the story you posted on. Espn dot com last night. And i think this is sneaky. Huge news about the college football playoffs schedule. Let's fill everybody in the commissioners met yesterday and they decided that they want to keep the playoff on its current schedule and name a champion on january eleventh of course. Cfp executive director bill. Hancock told me they reserve the right to revisit. That should they need to because of the coronavirus pandemic but they also decided greenie. If one of the semi-finalists were to incur a covid nineteen outbreak. After selection day.

jim harbaugh nfl paul finebaum colin kaepernick heather Football buckeyes Alex smith nfl. george siefert Michigan executive director ohio Arbor Espn matt Hancock
Warriors' Klay Thompson Reportedly Suffers Season-Ending Torn Achilles Injury

Get Up!

01:35 min | Last week

Warriors' Klay Thompson Reportedly Suffers Season-Ending Torn Achilles Injury

"Back here on this developing story. The news from the nba yesterday was not good hours before the draft klay thompson injuring his right leg during a workout with several nba in ally. He will undergo an mri this morning. The warriors are worried that it could be chilies injury holding out hope. It's not as serious as that. But if you're reading the tea leaves on social media all the reaction that seemed to be coming in. Yesterday it sounded very pessimistic. And so here's the great jalen rose with me here. I see the look on your face. What is your reaction. What what would this mean if this is a bad injury. I'm just really disappointed for clay in. this family. Hopefully is not a torn achilles. Which is being reported. I just remember seeing kevin durant with ice on his calf but ended up having an achilles injury. And it's really unfortunate. Because with the splash brothers healthy with draymond green. And you draft wise men the golden state warriors. We're going to catapult themselves back into contention greenie now without klay thompson. They'll be lower-half playoff team potentially in the western conference and now that he's had achilles injury is potentially in back to back seasons. We now start looking at the future of their team. Wondering ken bay now recapture championship glory. So it was really unfortunate for the golden state warriors and their fans if particularly going into the draft last night. No question about it so all. We'll do we'll sit and we'll hope for better news than some are anticipating and we should have that in a few hours

Klay Thompson NBA Jalen Rose Warriors Kevin Durant Golden State Warriors
Entrepreneurial Success with The Millennial Money Woman

Marketing Management and Money

06:59 min | Last month

Entrepreneurial Success with The Millennial Money Woman

"Everybody Welcome again to marketing management money. And today we are with Ryan Ryan and Fiona. So this is actually going to be a pretty interesting episode. We have brought in the millennial money woman and she seemed to be talking. So honestly, we like to think that we have a lot of expertise in what we do one of the things that we lack in is ownership of a female business. I don't know off Ellen's of you know, I mean, I have my moments but most of the time not yeah, so neither of us have ever owned a female business but Fiona with the millennial money woman has so she actually she's come to us. She owns the millennial money woman. She's done quite a bit in financial planning and basically wage. As I understand if you want to your whole mission your whole goal is to work with people at that entrepreneurial level to help them understand how to make and keep the money. You've done a non-profit centered around this you've done a business around this. Why don't you tell us a little bit more specifically about what you do who you are and kind of some entrepreneurial things that you can home guess with. Yeah. Definitely. I mean, first of all, I want to say thank you so much for having me and obviously your audience having me so thank you for this opportunity. My name is Fiona like you both said and I just absolutely love anything that has to do with money or financial matters, right? So I started you know, I think as a preteen or early teenager boys fascinated with money and there were two things. I knew right I knew how to make money and I knew how to spend money but what happens in between right like actually throw your money off. So that kind of lack of knowledge actually made me much more curious as to what happens right in that investing stage or in that growth stage and that Cap City drove me to learn about money. So ultimately I earned my certified financial planner certificate my cfp which is kind of the equivalent to be a financial ninja and then I got the last years of Science and personal financial planning because I really wanted to peel back the layers of the onion if you will and peer behind, you know, like what actually happens to your money once you earn it and before you spend it sure so that was kind of like my intro to finance but then as I grew write down my career which was a financial planner I realized that there is probably a pretty big need in the community for having a financial Well planning or a financial literacy background, even if it's just the basics. So I ended up partnering with my local Community Foundation and co-founded this nonprofit that both you talked about and thus local non-profit that I started. It really just focuses on helping young professionals and Millennials statistically increase their financial literacy, their basic financial literacy skills, and you know, the people that I Mentor they are extremely intelligent and bright across many different Industries, but the one thing that I notice they all had in common was kind of, you know lacking that financial literacy skill. So that was kind of the start to the nonprofit which I started about three years ago. And then that kind of float float in to me starting the millennial money women and you know that has been such a fantastic Journey as it relates to wage. Entrepreneurial experience obviously and really just knowing that someone is reading, you know, my blog articles and the information I'm providing and hopefully I'm making a positive impact on their financial lives. And you know, that's what I'd love to share with your audience kind of, you know, the ups and downs of Entrepreneurship. Obviously also talking about the nonprofit and then, you know kind of diving into the depths of how the pandemic how covid-19 Things that you wish you could tell every entrepreneur who's getting ready to start a business like these are these are the words of wisdom that they just need to know right off the bat. Where would you start him? What would you tell them that they need to know when they need to understand? Definitely this top three things. I think that I wish I knew right when I started my business was one that it is not a smooth ride. Right like you want to think of success as linear, but the fact is as an entrepreneur there is no such thing as linear. It's going to go in upside down loops and really really deep drops. It's going to go up a toes and then you know, ultimately if you look at it from a longer-term perspective. Okay, you'll see that slight incline, but if you think you're going to get from point A to point B B B. Success point you are very very mistaken. And you know, I think that's part of the benefit though of being an entrepreneur because you kind of get to experience the ups and the downs and I think wage Downs really help you appreciate the UPS later in your life. So I wouldn't necessarily consider, you know, those major gaps in possibly profitability, for example Has a negative but it's just something that's part of the journey and as an entrepreneur, I think you really get to appreciate the journey itself and not so much the destination. Sure. This is the second thing. I I kind of wish. I realized this earlier quite frankly is that there are going to be so many naysayers out there. I mean, I think quite frankly the reason why there are so many people that say no to you or that say that you're not going to make it that your business is going to fail or your idea isn't going to be fruitful is because you know, a couple of factors one, they could possibly be jealous too. They wish they were you and had the ability and the risk to actually drop their salary jobs and start a business office

Fiona Ryan Ryan Community Foundation Cap City Ellen
Big Ten Reverses, Will Play Football In October

Heartland Newsfeed Radio Network

02:38 min | 2 months ago

Big Ten Reverses, Will Play Football In October

"While a lot has happened particularly in College Football Roy the big ten announced that its Council of Presidents and Chancellors as voted to allow the League to play football in October the big ten will open its season on the weekend of October twenty four th with teams playing eight Games in eight weeks and a big. Ten Championship game then scheduled for December nineteenth and that would make the big ten eligible for the College Football playoff as the final CFP ranking announcement of the season is now set for December twentieth. Now keep that in mind as I. mentioned this, Missouri's count of players who will miss the team season opener against Alabama on September Twenty Six, do cove in nineteen protocols is now up to twelve. Now, not all twelve of necessarily tested for the corona virus. The SEC mandates a fourteen day quarantine for those who have been in prolonged close contact with someone who test positive. As you and I both know there are a lot of colleges under now having a problem. With the pandemic for their students on campus I, you know you and I both have the same feeling about this health comes first but. Are you know did they kind of get pushed in this meaning the big ten in the pack twelve? I think clearly they did I mean I don't. I mean first of all this reversal on replay review, right the first time we called play the fact ten. Commissioner. He said they weren't GonNa play and then he got a lot of pressure from everything from donors to coaches to elected officials himself they decided that they could. You. Know the their excuse is, I. Don't mean excuse in a negative way I just mean pivotal changes they say is that they now have better rapid testing and they can test the players more frequently and get the results back more quickly. Bottom line is that they changed their mind and I think there was a lot of pressure around revenues that they were losing from football and the fact that the SEC. Big Twelve. We're doing it I think that probably was as much as anything what I worry about his health of the players. It's very simple I'm not I'm I'm not against College football I love college football but I worry about the long term health effects on these players particularly hard inflammation, which is something we're just starting to learn about.

Football SEC Council Of Presidents League Commissioner Missouri Alabama
Conversation With Mountain West Commissioner Craig Thompson

The Paul Finebaum Show

12:30 min | 4 months ago

Conversation With Mountain West Commissioner Craig Thompson

"Delighted to welcome. To our program, a very important guests at this unbelievably strange time from the Mountain West Conference Commissioner Craig Thompson Commissioner thank you very very much for making the time I I, I can only imagine what your schedule is like. These days especially Zoom Bill Assuming there is one good afternoon. Paul good to be with you. You know I hope to mode no more about The next ninety minutes to two hours I have a four o'clock board calling five o'clock standing Monday de call, so we all compare notes and Kinda live by that old adage. God gave us two ears and one off for a reason, right? We're trying to learn from each other. Well we appreciate you making time I'm curious before we get down to some of the obvious questions Since, this occurred you. You've been very obviously active in in the NCAA, basketball tournament, having chaired the the men's basketball committee, and it all started there, and and I know in in your many many years is as commissioner. You've experienced so much but How do you? How do you prepare yourself for something like this? which is literally off the charts. Really is and you know again you don't because. no-one there might have been a few people worldwide They'd be well into their hundreds that were around nineteen eighteen. Spanish flu days, but For the most part, nobody's dealt with any of this Paul. So it's all new, and and it's It's disconcerting. It's hard. It's sad, but it's It's life and it's something we. We have to adjust to and and moved from. In as you get closer to what are really critical decisions, other conferences have made these choices many have not What what do you weigh as you're about to go onto? Another call here how how do you determine these things? Well, it's really got to beat a the safety and the health soccer you I think it's simply going to come down to what is the risk tolerance for for all the various groups just within our FBI subdivision and certainly there's. A rank and file and differences between the autonomous five leaks and a group of five leaks, but You've got you've got. A ton of governors. There's fifty state governors in that up BS group, one hundred thirty board of trustees, regions, one hundred thirty university presidents and Chancellors hundred thirty athletic directors under thirty head, football coaches, and I guarantee it dollar on the same page, and so you know we're. We're just trying to adjust on what makes the most sense for my university and ultimately our conferences. And everyone has a different set of circumstances as you said Commissioner Thompson but. It is late I think you know that we all we all know that. As you are about to go on these calls here in the next hour or two How do you start narrowing the window and coming to? Conclusions! Well we all kind of went into that false pretense and hope that fans should be better in July and August and we had time right back in March. We had four months to figure this out when we've got probably less than four weeks. A couple of weeks a big date coming up on Friday with you know the the six week period starting extended team practices, and then most camps opening somewhat in that August seventh time friend I! I had a good exchange with one of our head. Football coaches today saying you know I don't even know what to do. Because of campus regulations and concerns, we have one institution that's had nearly one hundred football players for little over a month. Now Paul and we have another institution that literally has no football players, conditioning of or working out degree, and so you know we're all over the map based on a local and university, muncipality rules and regulations and. I said this for months gone on standby. One of one of the big concerns and focal points for us is the state of California They just announced today that they're going to delay. The start of their prep season suggested until December or January didn't give an exacting, and they join a couple of states that the prep seasons have been canceled altogether one of our states New Mexico, so just just trying to deal with all the nuances and differences in rules, policies and allowances. As you as you try to deal with with some some issues before that certainly, the non-conference issues a lot of non conference. Games have been scrubbed. I. Has that been a major issue for you or Were you in reasonably good shape. Well it is a big issue, and of course years of all years. This is our twenty seven season A. We had more home games against PAC twelve than any time in our previous 21-year-history, we lost home games. Ucla at both. San Diego State ally. Utah, Colorado Washington state calendars on a state. They were GONNA play at the new two billion dollar NFL stadium in Las Vegas against UNLV so a lot of people like to point to that financial loss of losing the the six road at twelve games and a and a guarantee. Those seven home games from from both of financial interest level, and then ultimately you know television perspective CBS. Fox Aren't real thrilled. You know that we lost those seven home games. Talking to the Commissioner of the Mountain West Craig Thompson discussing all the variables. Commissioner. We. We've talked to so many different commissioners over these past few months, and as you as you so eloquently pointed out a minute ago. Everyone has a different set of circumstances and challenges you maybe more than than most because of the geographical aspect. But how do you think and it shouldn't be that hard to think about it since it's not far off? How how do you ultimately come up with what you would say? Good solution, not only for your member institutions, but for the safety of the athletes. Well again. You not to lean on your medical people and that's one of the. Major aspects of this board call coming up in an hour, so Paul because It's the first time that they in a while. They've heard directly from the the medical advisory group and you know they don't depend on them. You know they. They are the experts, will we? The board are economists and Then different walks of life. They're not medical people, per se, and so you know you really have to lean heavily on what makes sense I. I said four months ago and I I contend today. A lot of this is going to be perhaps probably triggered by what happens on our campuses. What they look like in the next month or so you know everybody's either hybrid mostly online You know there's GonNa. Be Certainly people walking around campus, but you know you. You really can't expect to have a college athletics if you don't have a fairly open in some degree. Campus. Commissioner I, it's no secret Wherever conferences are located and and and spread that football pays the majority of the bills there. There's some outliers of course but What's at stake you just from a revenue standpoint? Well you know. Let's all kinds of figures in I I know that A couple of our department said have lost Well in excess of ten million dollars now, and then could jump into without football alum Paul you know double and triple, and you know those are not insignificant numbers. They're smaller than the world. You live in I lived in Atlanta. For four years. New Orleans for twelve years both children born in New Orleans and well versed in an SEC football, and what it means in a walk of life, and so it's different, no question it's different I live in Colorado and and what it's like in Western states, but but none the less. You, do not escape whatever love your Ad. That football is probably that you know eighty eighty five percent of of an athletic budget, and and so it's so very important, but you know as harmful as painful rather as it is from the financial perspective now that cannot be the driving force won't be the driving force. It will be that the health and safety it'll be university decisions. You know I've always. Always felt. The presidents of universities and chances have an extremely difficult position now more so than ever because they're pushed him pulled in and all these different directions and you know I. Don't know how the decision will. Ultimately made would fall looks like from terms of football. I don't know who makes that decision, but Hopefully they'll be some clobbering collective. Let's let's go right to the College Football playoff. Can you even imagine a world where pick a number? Three conferences can play in the fall and seven up to play in the spring. What happens to see a p.? Is there a CFP? Does that make sense to have a CFP? I guess it might depend on those three conferences are and I use. You know you, you're GONNA have to look at this for for the good of everybody, and and you know the collaboration and collective exchange and we've seen conferences. Do things unilaterally I mean as a commissioner. You Work for twelve schools. You don't work for honored thirty FBI schools, and so you're doing what's right, and what's your membership is is directing and advise you to do, but we do have to get together and get the same page in some regards spor for the sake of the CFD for instance and the bowl system. I know at least I'm told in talking to your colleagues commissioners. We wind down. I know you've got a lot of meetings to that. You are a collaborative group. I mean that's a fact. I mean we see that all the time but it but I wonder though. Because we've already seen some some. Some schisms as we had the big ten, and then everyone else said something else I mean the PAC twelve and the big ten, and do you. Are you concerned about the stability of of what you do every day and try to work with everyone else within the framework of college athletics. I am and I'm not I mean again. We try to work together, but at the end of the day our plan for fourteen or ten members, order media have will dictate. What direction are leagues go and I know the NCAA takes a ton of shots, but the NCAA is membership driven. It's schools that are that are ultimately making decisions and the conferences the exact same way, so you know we can compare but I. I am concerned about The postseason college football, the the CFC's a five hundred million dollar enterprise NCAA. Basketball Championship is a six hundred million dollars in a prize number of conferences of two hundred and fifty to three hundred million dollar annual TV, contracts, and and we can't go ten I don't well. Yeah, anything's possible. You could go ten separate ways I. certainly don't think it's going to be that way at the end of the day. Commissioner will let you get back to your meetings, but thank you for making time. It was just a pleasure to to hear your perspective as someone who is so well respected. And revered in this industry we be well and let's hope for some good news. Stay safe yourself my friend.

Commissioner Football Paul Commissioner Thompson Ncaa Basketball FBI Mountain West Conference Colorado Craig Thompson PAC New Mexico Soccer Ucla California San Diego FLU NFL
President can fire CFPB director at will, but agency can operate

The Erick Erickson Show

01:24 min | 5 months ago

President can fire CFPB director at will, but agency can operate

"The Supreme Court has decided that the consumer financial protection bureau structure violates the separation of powers, but that the directors removal protectionist several you will recall that the the CFP was designed so that the director could not be removed by the president of the United States the supreme. Court is holding that the CFP violates the separation. Separation of powers, we go on to hold the directors removal production of several from the other statutory provisions Barron on its authority. The agency May therefore continue to operate, but it's director must be removable by the president at will due to the separation of powers that actually gives win to conservatives in a way that they wouldn't. The Consumer Financial Protection Provisions Collapses in the Way Elizabeth Warren wanted. It's structured and interestingly enough. That is John Roberts. Giving a big conservative win in theory, but has actually small ball now. How is that well? Conservatives had advanced the case on separation of powers in a unitary executive, and Roberts has conceded all of that in his decision on this. But at the end of the day it's not the wind. Conservatives wanted conservatives one of the win on the on the abortion clinic

Supreme Court Director John Roberts President Trump Elizabeth Warren United States Barron Executive
Pivoting Brighton Ruby 2020 with Andy Croll

Ruby on Rails Podcast

10:06 min | 9 months ago

Pivoting Brighton Ruby 2020 with Andy Croll

"I'm now starting to report on the series of wonderful people that I got to meet and Harris. Rb FIRST UP. Is Andy Crawl Antea? Cto At coverage book an answer the public he's a Rubio's conference organizer of Brighton. Ruby and author Speaker bootstrap and swim. Dad Thanks for joining me today. Andy thanks for having me absolutely Andy. What is your developer origin? Story overseeing story Roy so I have somewhat a classical nerd background Computers as a small child and then computer science at university and then I took a job. The I thought was technical but absolutely wasn't did four years of HR and communications for a big Tech Company. And then I was getting super frustrated with that all the time I sort of kept up making websites for various stuff. And I I quit that job to re skill into the website side of things and I started out in the front end of html CSS. And I discovered I discovered David Hammer. Hanson's make good fifteen minutes video and base count and thirty seventeen all around the same time in about two thousand seven and I've been doing re be rails ever since so you kind of touched upon it but what is your specific experience with. Ruby on rails. Well it's basically my entire career for the last decade and a bit which me and my niece feel old Yeah so was experience Bill. Various things like my own stuff Currently working with a team in Brighton in the UK on Coverage Book and onto the public which are two entirely separate SAS businesses. Run by technical team of three and a wider team of nine And we have two three thousand customers and we support the more with With two three mainly two or three rails APPs and lots of other stuff around the edges of the press. Cite JEKYLL Yeah so lots and lots of Ruby on rails pretty much. Have you ever deviated from Ruby and Ruby on rails? Have you tried other technical stacks or you pretty focused on rails? Have I strayed I have played a little bit with stuff. Of course all of us have to write Java scrip- whether we want to or not mostly not depending on whether I'm maintaining my own Java scrip- from Herman years ago. Yeah pretty much. I do a lot of fun work in our team as well so we a designer on team and he does some front end But I'm more focused on the performance and technical sides of those things I recently have built a wordpress blog for us for for marketing team re platforming from medium. An idea that was an entertaining exercise in the stuff I used to do was just doing front end. I just wanted to make websites and that was always the bt of Ruby handrails for me will very much finding a thing where I could make the compete to do what I wanted and then may have nice as well so yeah I. I've done a bit but mostly I try and work on problems that ruby on rails is a good fitful so I'm not building chat clones on building super high traffic Things that twitter or facebook scale so for that world any framework in larval in. Php or genuine python is great. I just happen to like Ruby. So that's where I've landed. That's fantastic and we're so lucky to have you in our community so not only. Are you ruby developer? You are also quite the conference organizer. And I'd love to hear the origin behind Brighton. Ruby Ross. Brian wins. It starts. It starts in two thousand nine. I lived in Singapore for six. My sort of initial ruby on rails stuff was in the Singapore community. I worked for a couple of startups out there including one where I raise money and travel startup up for myself and it was about two thousand and nine and we were having Christmas Ruby. Meet up and I was sort of at that time. There were loads of sort of regional conference in the US. Singapore's on the wrong side of the world to get to the US for a conference and so in Japan had guy. I'm always so I said to the set of the around. We should definitely do a conference. Rooms I yeah and do you. Totally should do a conference and I said well should we get to come and they will. He should invite Matt's. I mean Japan's not that far away and so emailed mats and then go back to me and said he would come and so it's his fault because then had to organize fronts. I told him this parable when I saw him again. And he said you used the word fault so that was great so I run that For two or three years and and then when I go back to the UK. I moved to Brighton. Sodium or live in London anymore. I moved to Brighton and decided a quick way to meet people doing the sort of work that I would be interested in getting a job in would be to Paula. White conference organizing inverted commas expertise into having an event in Brighton. So I put on something for one hundred something people the first year and And that was seven years ago and the sort of working out right I think. Wow that's amazing. So how many years is Brighton Ruby? Being going on then so I almost two thousand and fourteen just footing. Yes he doesn't fourteen. So yeah we're we're in the seventh year of Organisation of conferences. Although things have not exactly to plan the Yes yes. So speaking of a topic that cannot be avoided due to cove in nineteen. You had to cancel the in person experience for Brighton. Ruby twenty twenty. So could you please walk me through that decision so I may not really have been paying attention very much? I woke up a couple of weeks ago having sort of open the CFP about a month ago they papers have a proportion of invited speakers so Gemini. I invite the normal speakers the of this because I've seen speak elsewhere. Who would like to get over or repeats because we'd like to have back and then open a cough papers to have people to submit their talks and get new people into the into the speaking game as as it were well into that reviewing talks was my kids were sports thing on the on the Saturday morning and I woke up in the morning afterwards and went. Oh Oh I might have to deal with this. This is this is genuinely a thing. Isn't it And this is probably beginning of March time So yeah like it was suddenly. Oh I'm going to have to deal with this. What am I going to do And that was my first sort of paralyzing thought and I should have thought about that for bit And then I got in touch with the sponsors and the speakers and said just let you know I'm aware of this. I don't know I'm doing it. Let's see what happens as we know. Speaking today stuff has happened. Lots of stuff has been cancelled if the morning. I canceled Brian. Ruby rails also counseled and apple came out with ww DC being counseled so I was in good company that Friday But yeah all I did. I had sort of I sort of knew two or three days before and I turned ticket sales off a couple of days before that whilst I should've rounded the wagons and worked out what the hell it was always going to do because I didn't want to. Just go cancel it and not have a plan. I'd like to have a plan. I run Brighton Ruby. Entirely by myself. we'll see some help on the day the venue have always been really great But yeah it's it's very much a solo effort so I needed to sort of bounce ideas off the people who I normally bounce ideas off friends of mine like Tekken and Nadia and the and the sponsors work at what what it was. I was going to do. Yeah so what I'm GonNa do is I'm I'm having a a not a conference or a alternative conference or we'd conference I am not a fan of online events. Typically particularly the kind where I ended up having to run another massive slack or where you have to be in position at a certain time. So that's great. I personally don't like that. I feel like a big part of. Brian is the in person stuff in the hallway. Tracking was obviously the talks. Great there is an element of coming together and community spirit and see. That can't happen this year so I've focused a little bit more on the content side of things so I'm going to play this with all the speakers so they're going to do versions of their talks as videos which we will then sell and There's also the swag I was going to do was a so. I'm working with my friend. Who Works Works for Book Publishing Technology Company and we all reprinting a paperback of wise pointing to Ruby which for long-term Ruby s will fill the joy and for new. Rubio's to Maitland. Go what but it was so I'd like to do with my swagger for you. I'd like to have a surprise said lost. It was like a reusable coffee cups so I said I didn't. I ordered four hundred coffee cups and this year. I'm going to get hundreds of books printed so that's fine so we're going to print a copy of this book and sit down the Post and then so the the talks will come out. The book will be posted to you and then they'll be an opportunity for people to ask questions of the speakers and then I'm GonNa do what you're doing now? Which is politely. Be Quiet even though. You probably won't jumping all the time and listen to what the speakers have to say about questions from the audience or questions that life go about that talks about them. In general so yeah. I'm going to competition with Uber. And he's sorry.

Brighton Ruby Brian Ruby Ross Ruby Twenty Twenty Andy Crawl Developer Rubio Japan UK Harris United States CTO Singapore ROY Cough
Supreme Court Eyes The President's Power To Say 'You're Fired!'

NPR's Business Story of the Day

05:43 min | 9 months ago

Supreme Court Eyes The President's Power To Say 'You're Fired!'

"At the Supreme Court today the trump administration is trying to make it easier for the president to replace the heads of the country's independent regulatory agencies. The administration is asking the court to restrict or reverse a decision that dates back more than eighty years. Npr legal affairs correspondent Nina Totenberg reports in two thousand eight the. Us economy was on the brink of financial disaster. A rising number of homeowners quite simply can't pay their mortgages for closures have hit a record high. The National Association of Realtors reported the worst month dropping existing home sales since they started keeping track in the late nineties. Further meltdown in the mortgage market had investors. Heading for the exits in two thousand nine. Congress sought to reestablish oversight and regulation of the financial system among the remedies enacted was a law that consolidated powers from across seven agencies into one call the consumer financial protection bureau. It was placed in the offices that the Federal Reserve and funded by the Fed. The new agency was charged with preventing a repeat of two thousand eight financial crisis. Richard Cordray was its first director for the baby. Had two roles one was to try to prevent an economic collapse of that kind ever happening again. And that was done largely to putting in place rules that safeguarded the mortgage market and ferreted out. A lot of the irresponsible and ultimately failed lending that had occurred once in place. The bureau moved aggressively to protect consumers from bad actors in banking and other financial services also in the CFP BE SITES. Were Bill Collectors. Telemarketers and others accused of misleading practices among these was the Salem Law Firm in Los Angeles investigated for charging consumers illegal. Upfront fees for debt relief services the CFP as part of its investigation demanded certain documents from the law firm. The firm refused contending that the structure of the agency is unconstitutional. Because it's director cannot be fired by the president at will instead the bureau's director like the heads of other independent federal agencies can only be fired for cause meaning malfeasance inefficiency or neglect of duty lawyer? Andy Pinkus who represents the Chamber of Commerce explains the theory of our government is that the popularly elected president will appoint officials and remove them. They're not doing what he wants. So if you take away the president's power to remove someone Then you're drastically limiting the political accountability of that individual that view however lost in the lower courts and the sale affirm appealed to the Supreme Court backed by the trump administration central today. Argument is a case dating back to nineteen thirty five. When President Franklin Delano Roosevelt tried to fire one of five commissioners on the Federal Trade Commission over his policy views. The Supreme Court ruled unanimously. That Congress created the FTC to perform quays judicial quasar legislative functions and that the president could not therefore dismiss its members the way he could members of his own administration the sale firm and the trump administration will argue that. The CFPB is different because the bureau's power was placed in the hands of a single director instead of a multi member commission again lawyer. Andy Pinkus multi member agencies the way they're structured our system have to have people from different parties. The president picks the chairman who has a lot of control about how it operates. The terms are staggered. So most presidents will have an opportunity to appoint a number of those people because the trump administration is not defending the CFP structure. The Supreme Court appointed lawyer Paul Clement to argue on behalf of the Bureau Clement notes that there are other single-member directors the government who cannot be fired by the president will among them the control of the currency and the director of the Social Security Administration. The constitution says nothing about the president's power to remove officers confirmed by the Senate pointing to that fact Clement notes. There are literally dozens of independent agencies. That control everything from monetary policy to the stock market to public health and Safety Clement says that the consequences of invalidating the CFP structure could be dire. The issue in this case is like the thread on the sweater. That if you start tugging on it and you tug on it hard enough. Potentially the whole sweater comes undone and the sweater here really is is the entirety of the whole alphabet soup of agencies that all have these four 'cause protections these agencies. He notes are often central to our economy. The Federal Reserve is a great sort of example of why Congress imposes these kinds of restrictions. Because there are certain issues in the world that we deal with the national level where it's nice to have a degree of installation for a discharging a particular duty where it's not GonNa Change with whoever's the president the trump administration however is willing to roll the dice in this case. It argues that if a single director agency cannot be distinguished from a multi member agency the court should reverse. The case decided eighty five years ago. That would throw into doubt not just the CFP B but independent agencies that comprise roughly a third of the government and not just those agencies but also potentially the rules that those agencies have laid down over the years

President Trump Supreme Court Director Congress Federal Reserve President Franklin Delano Roos CFP Andy Pinkus Nina Totenberg United States Donald Trump National Association Of Realto Federal Trade Commission Social Security Administration Richard Cordray Paul Clement Salem Law Firm
Michael Smith on the Paul Finebaum Show

The Paul Finebaum Show

12:32 min | 10 months ago

Michael Smith on the Paul Finebaum Show

"You're listening to the Paul Finebaum Show podcast and we're delighted to welcome all of you back. Oh one of the Tru truly great reporters On the on the college sports business seen in Michael Smith joining us now. In one of the most recent issues of the Sports Business Journal talking about The first six years of the College Football Ballpoint Michael Great to have you on we. We're always looking for ways to talk. I'd rather do it other than on the only on the air. But we're delighted to have you here and I wanna I just first of all Just have you do reflect on some of the reporting that you did in this piece as well as your own observations of the first uh for six years of the College Football playoff. Hey Paul thanks for having me So good catch up with you and You know the point of the story was to look at the College Football Playoff Championship game. We're six years into it now. The the deal it is being goes twelve years so we felt like at at this midpoint on the TV contract. It was a good time to kind of take stock of what has worked what has not worked and so we went out and hold a lot of marketing then media experts and got their opinions on on that question and so as you can imagine. Most of the feedback was positive It's better than the system we had before But it still leaves a lot of questions in terms of how do you grow the TV audience. Had He made it. It could schedule more consistent so we don't have two weeks between the semi final and final. How do we keep games off of New Year's Eve questions like that that they continue to come up and no real solution for right now you also took look with ESPN executives About the time of the game. And that's a that's that's a complaint you get all the time this year. The game ended. I think twelve fourteen no the game a couple of years ago when even later an and Michael you and I live on the East eastern time zone we forget there are people in California who are three hours behind us but That's not going to change. There's a no it's not gonNA change you know. Five of the six championship games have gone past midnight. And like you said some going well past midnight and that's where it really comes down to. How competitive the game is and with LSU pulling away at that point the viewer show probably after midnight was not as great raise. It would have been saved for the Alabama Georgia overtime game. No it's a really good point Let me ask you since you are You know all these people pool and I know you just go through spending some time and can't wait to hear more about it with Jim Delany in Nashville. Who Retired how? How does college football allow the Big Ten and the PAC twelve and more importantly the Rosebowl? Aw dictate everything else that goes around it. The that's kind of age old question June and You know there. There's such an allegiance. There's such loyalty to to the ball. Games like especially the Rosebowl like you pointed out often and that really is one of the major factors. You know the rosebowl being locked in at that time. New Year's Day on factors I y you cannot consistently put the semifinals on New Year's Day. And then come back with the championship game a week later And there there's just It's almost hard to explain. But there there's such a sense of The the Rose Bowl has been so. Oh good to college football that you do have loyalists like Jim Laney and others the you know who the SEC. In the sugar bowl for example that They they don't want to relinquish that. And so the only way to make sure the Rose Bowl and sugar bowl maintain that status as they own new year's Day. I wonder again. I have great admiration for Delaney and the fact that I would give him the credit here. I think you can correct a For being able to do this and then what did the SEC do. As you've reported Mike's life came in and said okay. If they're going to do that we wanna own the sugarbowl Slob of the problem with the sugar. The ball slot. Mike is at the game. Doesn't start till nine o'clock right. You know that's you know that's an aspect active Of all the experts that we talked to media marketing is worth. We talked to the one criticism or the one Miss when you talk about a hitter misses that kept coming up was the inconsistency the scheduling and maybe not being able to capitalize as much on in the semifinal games as they would like you know we saw the TV audience really spiked with that first championship game between Satan Oregon Oregon and since then it's Kinda settled in lower number right around twenty five million viewers. That's a fantastic crowd in this definitely It definitely gives. ESPN the ability to own that that evening. But when you think about the Super Bowl being eighty five to ninety million million viewers compared to twenty five million for the College Football Championship. You wonder how. How is the CFPB championship game? Going to grow its viewership and And the inconsistency of this is one of the factors that a lot of people pointed to that that could limited going forward and and I wonder listen. I don't I don't want to minimize twenty five million people That's a big number and when you look at the most watched events of the year after the super bowl off the collar after the Super Bowl and the in the NFL playoffs College football biggest night is huge. But I'm just watching it this week and I realized the Kobe tragedy has has cast a pall but From here on as you know Michael you're in the sports business world the Super Bowl. Aw is as big of an event as there is in the world and college. Football just seem like it's sandwiched in between the NFL. Playoff off games on Saturday and Sunday right. So this schedule if you think about it There were three. NFL Sundays in between the semi finals. The final amazing and so that goes back to the consistency question the scheduling and being able to maximize the opportunity to college. Football has to to own certain days as and when you think about cargo owning January first and neither the finals nor the semifinals are on January. First it seems a little counterintuitive and January. I was a huge day. I mean the the audience for the Michigan Alabama Citrus Bowl was was Gargantuan and so it's not like ESPN is going broke on this. I mean they're still doing pretty well. And maybe maybe the maybe. Maybe they're better off owning the semi final day and New Year's Day. I don't know I'm just a lowly employees at ESPN. But my question to you is what happens next We're sick. We're we're six years in then every year. There's this rampant speculation that something's about to change and it never seems to. You know all these people you spend a lot of time with the college football powerbrokers our brokers Between now and when are they going to alter if assuming they are the college. Football playoff are more people are more schools getting again we. That's a great question and an access is is definitely one of the one of the questions that I post a lot of the people that work in that space and There's there seems to be a consensus that that the commissioners at least are willing to talk about. That's a good thing. That's a step forward but I don't know of anyone who thinks it's going to happen before this. This twelve year contract runs. It runs its course and so it could happen in the next contract. I I definitely think it's something that will be discussing the talk about you know not keep coming back to this loyalty to bowl games. One of the one of the arguments that I hear against the eighteen playoff is about those four teams that lose in the in the quarterfinals awesome. They don't get the bowl experience. Well if you're one of those four teams they lost in the quarterfinals. Would you rather have a shot at being in the playoff. Who would you rather be able to spend a couple of days at a theme park having your bowl experience and so those it almost sounds kind of silly but those are the kind of conversations that are taking place when they're contemplating expansion and let me ask you Michael I mean this year we had the the the the peculiarity of the lending tree bowl in mobile with all due. Respect to lending three which happens to be headquartered around the corner from where we were sitting having a bowl game on Monday night and I realized I was a Corcoran the schedule but that late in the process I mean is that experience really that meaningful. I I've been to the College Football Bowl Association. I've heard what those guys say and they work very hard but still It just seems discombobulated up to me and many others. Yeah you know I. I guess that's just to me the the the the mid to third week in December bowl and and also the ones that you're talking about leading up to the championship game and early January. I just you know. Obviously they're important. TV CONTENT FOR ESPN but also they provide an opportunity to go on. PREGAME halftime the post game to talk about the next game. And so it's all part of the build up in an intersection that way. You know one other thing. I was thinking about fall. We're talking about kind of the future of the CFP in this current contract in years. Eleven and twelve. They're still to championship game sites to be determined. And that's something that will happen in the next couple of years but That's one of the things I'm GONNA be. Watching is what two cities are able to land. There's there's last two championship games in this twelve year cycle. What I'm curious before you go? What what are the next couple of years? Look like for the CIP in terms of In terms of site well Indianapolis is in there somewhere. It it is Is going to go obviously Miami and La to the new stadium in Houston. Okay then those last two years are to be determined. But you could definitely envision like Las Vegas a while you could invade eh envision somebody like Orlando that has bid for championship games in the past. you could go to north to a minneapolis or two met met life in New Jersey New York Those are those are some of the sites that I think this year Vegas is going to get a pretty good workout with what's to the NFL draft and everything else. It's hard to imagine not being in the Niger. That's a lot of a lot of places are going Michael Michael Fascinating If it's a really incredible read and of course anytime Vince Thompson is quoted. My eiser all over it Thank you for coming coming on. Just just one of the most knowledgeable people in the industry and you must follow Michael to keep up with things in the sports business platform. Warm Michael Comeback. Soon thank you very much greg. My friend all. It's great to have you Michael Smith just an outstanding reporter and I can't wait there He spent last Last week with Jim Delany Just after his retirement and that is going to be fascinating to to read

Michael Michael Fascinating Football Espn NFL College Football Bowl Associat Michael Smith Jim Delany College Football Championship Paul Finebaum Sports Business Journal SEC Michael Comeback LSU TRU
How and When to Hire a Financial Advisor

The Money Guy Show

09:20 min | 11 months ago

How and When to Hire a Financial Advisor

"This is so wonderful because obviously it is no secret. The entire world knows our day job. What we do is we actually are financial advisers and one of the the things I think the world I like the entire world because we're we're worldwide now? A lot of people mourns theory class. I have no idea who we are. Well check out the money the coaches do but not everybody in the world to actually like prospect. All through microstate classes like. I'll tell them okay if you want to know the truth before Gym Class Starts I the answer. Youtube comments perfect. So that's why I don't talk to anybody I answered. It's all your fault everybody out there your fault that. I'm not being socialist because I'm answering Youtube comments. I think what's it's really interesting is the lot of folks because the show reach out to us and say. Hey I want to work with you guys. I'm looking to work with your Yada. Yada Yada Yada and I think a lot of folks folks are really surprised when we answer and say hey thank you so much. That's incredibly wonderful. But it might not make sense for you to work with an advisor just yet. We're not one of the things that everybody everybody needs a financial adviser and so one of the things we WANNA help kind of walk through today is wind as an adviser make sense. Why does an adviser make sense? How do you pick an adviser? And what are the things that you you need to know. And what to expect. I mean success is when you know what you're going to get and you don't have expectations that aren't met so this'll be good now. It's going to feel this is something this is what we don't do these shows like I thought. I thought we did this show like last week and then I looked and it's been years probably a gun this show. Oh so definitely needs to be touched. And I think the reason we've been scared to touch on. This is because it does seem like one of those things. I've always been very hesitant to look like infomercials or sales jobs. But this is an education platform in the best customer or consumer you can have is an educated customers so this ties right into our platform of the abundance cycle in just learn apply grow and just give it away. So let's jump right in this thing. Let's first talk about an overview of the world of financial advisers. Yeah Yeah so we actually went and looked at the numbers and we were kind of surprised because it looks like right. Now there are two hundred seventy one thousand seven hundred financial advisors is. There's in the US and this is all this data we're compiling from the Bureau Viper statistics the CFP. That number. When I was actually surprised by down two hundred employ employ at two hundred financial advisors since we did this like two two and a half years ago so I wonder if that's folks retiring I wonder if that's mergers? I wonder what the thing is. It's causing down but it wasn't. It could be a rounding error in the way they two hundred people so we have two hundred seventy one thousand. Almost two hundred seventy two thousand financial advisers out there well of that eighty six thousand three hundred seventy eight of those are CFP professional certified financial planners. We'll talk a second about what that is and why it matters but for right now we just didn't has the prerequisite that's kind of the baseline if you WANNA be a financial adviser and then we also thought was interesting. Is One of the things the terms that we're gonNA talk about is how advisors I get paid about one point four percent or only thirty seven hundred of those two hundred. Seventy two thousand advisers are fee only advisors. That's that's us. We're the Unicorn that's right. That's what explain it when I talk to college. Capstone classes and others. We say we're the UNICORNS. You know this is. This is where a little unique. And that's what it's probably if we're going to explain that we're the UNICORNS. Only thirty. Seven hundred feeling advisors. You're probably wondering because look you realize very quickly and I know this is not. They're not not inclusive of all the numbers here but it's still a pretty good point that only a third of people have gone out and got the professional certification. I mean when you work with a public accountant. Count you kind of assume that you're there on the road to getting their CPA licence somehow financial. Planning it doesn't work that way because you can see the lion's Ryan share causes seventy percent people in and that's the thing I've always hated about this industry. Anybody can call themselves a financial planner. You can basically go hang a shingle single outside your front door and say open for business. What do I need to do so? Let's kind of go a little deeper. So people know what the requirements are what the standards birds are and what the education kind of things that you ought to look for so we think inside the financial planning world. There are three distinct business models that you ought to know about and kind of the thing that differentiates differentiates visor advisors. At least for the most part it's kind of how they're compensated. That's a real easy way to see the difference between different types of advisors so Bo. Let's let's roll into these different different types. Because and here's the cool thing I come from a background where worked actually worked in two of these camps bow. You've worked in one of these camps so I think we've got all three covered yet so it was kind of jump into these so the very first one is the commission based business model very simple simply these advisers that are paid commissions for the products they sell so a lot of times. You see through this with loaded. Mutual funds or insurance companies. They sell you insurance policy. ABC or Mutual Fund Xyz and they receive a company commission from the company whose products they are selling. And so you just said something that just triggered something that I hear. People say people were told sometimes about people that are pushing products is. Don't worry sorry. This is actually free to you. I'm paid by the Insurance Company. I'm paid by the brokerage hot. It is a pet peeve. So I just want you to know. You realize realized the price of the product that they're selling does so there even though the insurance company's paying them you ultimately are bearing that cost or just know that that's that's a sales tactic it's a little sleight of hand. I don't want you to fall victim to that. Exactly right the second one so we have commission with the very next business. Model is the fee based business model. And so what this means. It's an adviser who sort of paid through a combination. This is a hybrid. They receive some portion in fees but they also do receive commissions as well when I worked on the before fee only I worked for a CPA firm that we were more of the fee based model. 'cause we sold life insurance. We also did financial planning and investment management. We did a Lotta rap accounts we dabbled in annuities. Really we wrap account advisers. And when I say wrap account it's the fact that we would go back commissioned mission mutual funds but we waived the commissions that the mutual fund companies would pay and then charge of an assets under management type fee. We'd still get some some trails and might have changed because I've been out of that game for two decades but at the time you waved a lot of the commission's but it did awhile you did kind of look like a feeling adviser advisor in the fact that you're getting paid under like assets under management or some retainer model but you still keep your right to go sell a life insurance product or something and get commissions and get paid so you're getting paid both commissions as well as some type of truck that's right and so then the third and this is the one that we alluded to. This is what we call the UNICORNS are the only essentially. The way of feeling the adviser gets paid is directly from the clients. They work with. There's no outside company or third party pain. Then they get paid directly from the client and generally speaking it's either through like an hourly early model or a retainer model or an assets under management type model and think about that because I think we have a lot of people to reach out if you're thinking about by the hour that means you. I'm having engagement that you think you just had a need. That's going to go away after the project's over retainer means you maybe you pay an annual fee it's the same fee and in essence senator management. That is the majority of your bigger firms are going to be A. Um which means that they do take a percentage of the assets that they're actually adding value or managing for you. That's exactly but even inside there. It's it gets a little more nuanced. What kind of talk about that in a second so the next thing? I'd like to to kind of because I wanNA keep this rolling. I don't want to overwhelm people but I WANNA make sure we keep it. Going is understanding the difference between financial planning standards because they are too big camps and I think the public is clueless on this. It was a big battle in Washington. And I I bet. We could walk down to the streets of Franklin Tennessee and not any of the ten people we I asked. What are you know about suitability rules and they'd be like I don't know what how about a fiduciary standard there but what's heard of and by the way I still have trouble spelling fiduciary so this is a legit issue? So it's one of those things that I think that the public is definitely a disconnect so we want to kind of open that up a little bit and so I thought it was beautiful. Brian is I think we ought to define both of them. So I'll kind of read the definitions but then I want you to share what they actually. Because I've heard you you do this ten thousand times and I think you do really well. So the suitability standard requires that a broker makes recommendations that are just suitable for the client situation. It doesn't necessarily have to be in their best interest. Just can't be grossly negligent because they're selling your product that's right so then we think about the fiduciary standard requires an adviser adviser put the clients best interests ahead of their own and they adhered to the ARA is forced by the SEC. So here's the illustration always give people on this and this is the the older I get the more sensitive. I've come to what I put my body and I what I eat because they just had to pay attention because I know that healthier eat the cleaner. I'm going to live in probably longer I live and that's it's all important well. It's kind of like that with money. You would think that you won't have the best things working for your long term success financially. Here's is the problem though suitability all. It means. It doesn't have to be in your best interest. It doesn't even have to be the best product you just have to fit into into the term of

Advisor Unicorns Youtube Fiduciary United States Washington SEC Mutual Fund Xyz Accountant Franklin Tennessee ABC Brian Senator ARA
Test Burst - Please Delete

Real_Sports: A Snapchat Sports Pod

00:38 sec | 11 months ago

Test Burst - Please Delete

"Bay at all. I think New Orleans this year you know after last year's debacle versus the rams that referee crap. I think they go in honesty when the super bowl say flat out they definitely have a chip on their shoulder. They only had three losses. This is this year to flu. Glosses one who Atlanta which. They knew that they played horrible. That Sanford game. which was the last person to have the ball that was that it was? I think New Orleans will go into San Fran in the NFC championship in and bounced back against them and win the Super Bowl. I just think we know that they're they've been

Rams New Orleans San Fran Sanford Atlanta
"cfp" Discussed on First Take

First Take

04:17 min | 1 year ago

"cfp" Discussed on First Take

"A brawl. That's my only issue. Like once Lamar Jackson and this all fits with three tight ends own. The field for six minute drives and PAT mahomes standing on the sideline and he get into in two or three less possessions in football game that he would normally get in order to go out there and be prolific. Because that's what the Ravens do. They demoralized you. They keep you off on on the sideline and make your defense playing on defense. They balk six to trade. The Guy Helping the secondary but what I'm saying is money on the line. Homes the home to Tyreek Hill. I'll take my put my money on putting it all the more Jackson Ravens get behind. Are you concerned about them. Then if they get behind early not really because the defense molly the ravens are number one in scoring defense over. The last set changed the about what they do over do. I'm glad you brought that up. We spent so much time in Kansas a little less time in Kansas City but especially when we went to when he went to L. A.. We spent so much time being critical. Marcus Marcus Peters Marcus. Pete has played lights out for the Balto he has completely elevated that defense on national television vision. We need to take a moment. We Bring Jalen Ramsey we bring up Stefan Gilmore and. I'm not saying he's even on that level anymore. I'm not sure but I'm telling you right now. What he has done unbelievable radon rain on believable store on Earth Ready? He really doesn't indictment of the rams because like when you make the Ramsey move you're like Ooh they got better and then they they did they move peters. It's like wait a minute. Do you take them both for this season. Yeah here's the thing I'm GonNa play into what you talk about. Psychologically mortgage pitas walked into a locker room with some dogs just one and he is Earl Thomas in about so that that trend now in their late but that Baltimore Ravens defense is I have different little cachet to win as we saw him in the ring. Anthony Joshua getting a little revenge on Andy. Release Max I always want to hear from you on this Joshua sure. Everyone's lauding the game plan because he played it safe. And when you take an immediate rematch against a guy who knocked you out. What was a good idea to just get through that fight with a win if you can because the guy has me on your hit the guy you know you start to shake the problem is this considered the best heavyweight? Does anyone watching that fight now. Believe he gets through twelve rounds with deontay wilder. No here's my quick assessment real quick number one and era. We should be ashamed of yourself coming into the ring. A two hundred and eighty three pounds. That's just ridiculous. And then admitting he wasn't in the best chance to Barrington no wonder why folks didn't take you seriously and he can fight and he's killed he really got POW got speed he can box but to be that Slovenly at two hundred eighty. Three pounds. Ridiculous let me say something. Anthony Joshua odd is still don't believe he could be in for twelve hours. While being a boxing aficionado Aubenas being a new sport and watch it. Anthony Joshua Chan got exposed. And when you fight deal until you while you get hit in the one thing about one think about the Ontario quick he I is right. Hand is the biggest punch in the history of boxing. He's also fast and while he doesn't have the skills of the elite champions we've seen in the past he has the we'll to win of course of elite channel that is a Anthony Joshua can't outbox while the potentially it won't matter the second he gets clipped with. Oh right hand. It's wilder skills are a little underrated. They own style down the problem with the is you know his come. It's matter no no matter you get off the deck. Mike Tyson long boxing. Friday take hanging along. Your home is important. That's why GEICO helps make it easy to save on Homeowner's owner's insurance because home is more than just a place home is where you curl up on the couch in a fetal position and cry at cheesy movies even though you've seen them a thousand times have all the lines memorized arised. And also you with me you. The GEICO Insurance Agency could help protect the tearful the comfort zone. You Call Home Call Gyco and see how easy it is. Switch and save on Homeowner's insurance..

Ravens Anthony Joshua Anthony Joshua Chan Marcus Marcus Peters Marcus Lamar Jackson deontay wilder Stefan Gilmore Jalen Ramsey PAT mahomes GEICO Baltimore Ravens GEICO Insurance Agency Tyreek Hill Hand rams Homeowner football Mike Tyson Earl Thomas
"cfp" Discussed on First Take

First Take

08:47 min | 1 year ago

"cfp" Discussed on First Take

"A tad better at this point. And he's been in the past. I agree I think you've got to change one major point besides Dalvin Cook. Besides how good defenses. He hasn't hasn't had Adam Phelan and they've been getting down past receivers in the game having him back and then if she ever and if you wondering wondering about the packers all three games against division four cargo Minnesota Detroit but the thing about it is only one of those games at home game. All they need is one moment. He's not even Arron. Rogers don't believe in Perth customers at this point like who are the pack. Twenty fifteen victory over Washington ain't good. Do you think they can win the Super Bowl freeway. Yup No not because of what we just watch yesterday just today in New Orleans. What about this season so much as we already know once thinking about like packers chiefs in the Super Bowl right now happen? We're thinking about nine clear uh-huh I will tell you. This is what we last. Five Games for the packers. They've won three of them. They only scored eleven points in a loss against the charges. They scored twenty for against Carl Allen and the panthers they only scored eight and a blowout loss against San Francisco giants. They put up thirty one and then this weekend against the Redskins they put up twenty their offense they should have been but they should have point. We offer that point. But what we've seen the packers now with the money on the line. That's what I mean about this time of year. We've seen Aaron Rodgers guarantee the play eight games in a row when we left them for dead. Don't let don't let the packers offense start to really question and Rogers start to look at an MVP. which is this so hard for me to say that when I see after watching the saints in San Francisco Oh that's the one of those teams coming out the NFC? But neither one of those guys can do it. Aaron Rodgers can do. Yeah but neither one of those teams. I mean the Green Green Bay can't do either one of those defense move on as far as the rams they always play Seattle tough so I'm not really a lot of stock in that. I think they've beat them three of the last four but we got a game tonight in the NFC my quarterback Eli Manning back out there. What do you guys think? Eagles take care of business. We know that the cowboys are game up and have the tiebreaker breaker. If you're alive manning you should be smiling because y'all going nowhere. The head coach will be gone at the end of the season. And you're playing woodhouse money. You combine that with the fact that the Eagles Front four they've been relatively compromised due to injury and the secondary is straight garbage. If if you're you are manning this is an ideal situation you're gonNA be having said all of that. Still expect the Eagles to win this game and I think the eagles are salivating. They could not have asked for a better situation because you have arguably the most stationary quarterback. We've we've seen in. The last decade does not move. And you're talking about a guy that they're gonna go after and he'll go down at the giant of the giants like if you're if you're playing daily daily fantasy you take some eagles receivers right now I want to say something about Carson Wentz. Though this was in the choir this was in the inquirer whenever always always you guys are dropping passes. Completion percentage dropped from a career high sixty nine last year to sixty two through the first twelve games fallen every distance. Completion percentage of those twenty. You're more yards. Had dropped from two thirty dropped eleven to nine hundred yards. Drop drop drop drop truck ivory tastes. Now everything's down. He is eighteenth within passing seventeenth and touched the twenty four th and completion thirty yards per attempt. Like I'm just saying the reason I bring out the enquirer. The enquirer listed. He is not good this year. People knew I my former newspaper. Bring up how many dropped passes McCarthy that was actually covered if you wanted to read that. Because you've made that point many times my point is not just you can't just look at the lack of weapons or the drops is that they've had where we're peterson uses him differently at a certain time. You're done with excuses as I've said all along the pocket has collapsed watch wentz closely leaves you pockets collapsing. He thinks he's good. He takes the sack for a loss pockets holding he bills or shot right now because his receivers the shot and you bring up all those numbers but then bring up drop passes you get very slick. There is a time when on healthcare made house calls thanks to CVS health. That time has come again within home. Care visits for those who need extra help. Nurses that administer intravenous treatments events in patients homes home delivery and video visits or care by face to face chat right from bed. That's PVs health. We're creating the future using a simple idea from the past. CBS Health we're health is everything. Not all prescriptions eligible for delivery so the browns get a win over the bengals yesterday. STORY WITH CLEVELAND CONTINUES TO BE CONTROVERSY OFF the field. According to foxwoods Jay Glazer Odell Beckham. WHO had only two catches for for thirty nine yards in the win on Sunday told players and coaches? He wants out of Cleveland. After the season Beckham left Sunday's game early with a groin injury that has been bothering him throughout the year Baker. Mayfield your thoughts on Odell injury. I'd say that you know WH- wasn't handled right He's not able to run as well as he should be able to As well as he knows and that's frustrating for him You can sense. That's somebody's frustration comes from so Wouldn't handle the right way in our training room so we'll you know it is what it is and so his. Not One hundred percent is still good enough for us. All right Baker then clarified his twitter. My intentions were not to throw a medical staff under the bus. No I don't know all the facts about injury. It was emotionally answered because I can sense his frustration frustration. And I care about my team putting us in the best position Cold Winds Stephen Egg. This is the team that some people I thought would be going to the Super Bowl. But instead they're in the headlines for all the wrong reasons. What is the bigger problem? Is it Baker his mouth our OB J. Yea BJ meaning Baker would ob Jay. And let me explain first of all molly for the future. I would appreciate you if you if you remember because you remember a lot of things other other people say I was the one that clearly make them play by was going Kota Really Ri- ri- right Dude Hatem a Super Boca Ted this. Let's let's let's let's stick to reporting finger. Here's the deal that's enough. Here's the deal. Odell Beckham junior is a problem for Baker. Mayfield because Odell Beckham junior in year is illuminating the deficiencies of Baker Mayfield. The fact of the matter is you have talent like Odell Beckham Julia. Why does this man have the numbers daddy has it? Is that simple Odell Beckham. Julia has what is it. I mean what are we talking about here to to. I really junior here talking about that. And don't get me wrong. We understand down the two touchdowns on the year and was the second week of the season. So he's only had one touchdown fast in eleven weeks was against here. We go in Cincinnati so understand something here. We're talking about one of the great great talents in the national football league at the White House. The more now obviously that's about kitchens more than anything else. You're not talking to him in the red zone. We get all of that but Baker Mayfield because he continuously makes headlines because he has more commercials did wins more commercials than Danny as many commercials touchdown passes Tummy progressive alone. Got Like seventy eight commercials. Eight progressive talk about is only in America. My ended less than sixty percent of your parents. Fifty fourteen in the searches. You're just listen. I like Baker Mayfield. Believe it or not I like him as a person I believe in him as a talent. I think there's an upside the I think he needs to watch his mouth particularly when you turn on your medical staff under the bus. Because that's exactly what the hell he did. He write under the bus. But I'm GonNa tell you something right now to have Odell and Jarvis Landry with Nick Charles and that backfield and then Kareem Hunt got added..

Baker Mayfield Jay Glazer Odell Beckham packers Eagles Odell Beckham Julia Odell Beckham Eli Manning San Francisco Carson Wentz Rogers Aaron Rodgers New Orleans NFC Dalvin Cook Arron Beckham CLEVELAND Redskins
Ohio St, LSU, Clemson, UGA in CFP position; Utah, OU next

AP News Radio

00:32 sec | 1 year ago

Ohio St, LSU, Clemson, UGA in CFP position; Utah, OU next

"Ohio state LSU Clemson Georgia once again make up the top for this week's college football playoff rankings Alabama's lost Auburn saw the Crimson Tide tumble all the way from five to twelve loving Utah Oklahoma each move up a spot to five and six respectively Baylor and Wisconsin round out the top eight all the stop it's cool to be playing a conference championship games this weekend number one I was you takes on number eight Wisconsin in the big ten number two well if you a number for Georgia in the SEC third ring clumps in place in the ACC fifth ranked Utah's in the pac twelve and number six Oklahoma faces number seven Baylor in the big twelve I'm Deni cap

Georgia Alabama Auburn Baylor ACC Utah Ohio LSU Football Oklahoma Wisconsin SEC
Ohio State leaps LSU for top spot in CFP rankings; Clemson is No. 3, Georgia No. 4, Alabama No. 5

AP 24 Hour News

00:31 sec | 1 year ago

Ohio State leaps LSU for top spot in CFP rankings; Clemson is No. 3, Georgia No. 4, Alabama No. 5

"Sunday Ohio state leapfrog Dallas you for the top spot in this week's college football playoff rankings the Buckeyes are in the cat bird seat with a twenty eight seventeen win over previously eighth ranked Penn state will hit the road this weekend to take on upstart Michigan which came in at number thirteen I was huge accented number two once again followed by Clemson Georgia and Alabama at three through five organs lost Arizona state sent the ducks tumbling and open the door for you to on a take the six lot Oklahoma Minnesota Baylor in Penn state round out the

Dallas Michigan Georgia Baylor Ohio Football Clemson Alabama Arizona Oklahoma Minnesota
"cfp" Discussed on Get Up!

Get Up!

01:55 min | 1 year ago

"cfp" Discussed on Get Up!

"Were there were there Grazziano. Awfully good in that spot. Look at him getting that thing done all right well done. Andy don't and the only quarterback who who has done it if the College Football Playoff Committee were to rank. NFL teams despite the fact that they have two losses right now the ravens and Lamar Jackson would serve to be number for one because of their strength of schedule and their game control they have won seven straight games. Each of the last five have been by at least fourteen points. The last three have been at least thirty four points and then that stretch. Lamar Jackson outplayed. Tom Brady and Russell Wilson. And he's handed Jared Goff and to Shawn Watson. Each the worst losses of their careers. Jackson has been ridiculous. Listen to this. He's averaging nearly eighty yards rushing on more than seven yards a carry. The last time that happened was nineteen thirty. Four and at the same meantime he leads. The League in touchdown passes from inside the pocket so at the age of twenty two he is right now both the most effective runner and most effective passer in the sport and it gets better. His offense scores on fifty six percent of their drives. That is the most efficient offense in the NFL. In the last eighty years and the last three games they have punted a total twice and both of them came on drives. Rg Three was the quarterback. Listen there's no shame in having been wrong about Lamar Jackson. Most most people were twenty. Eight teams passed on him in the draft including the one he plays for the mistake. Here would be failing to acknowledge what we are seeing right now. The the Mark Jackson is playing the best of any quarterback in the NFL and it isn't particularly close. Let's talk about it Ryan Clark. It's obviously been the top story of the sport to this pointing the season as you watch. It was played this game. All of your life. What are we seeing in the Mark Jackson? Lamar Jackson is disrespectful. Right to League where you're supposed to respect. Respect the veterans and understand the type of talent. You're playing against he does not when he gets outside of Michael.

Lamar Jackson Mark Jackson NFL ravens League Russell Wilson College Football Playoff Commi Tom Brady Andy Ryan Clark Shawn Watson Jared Goff Michael
Ohio St jumps LSU to No. 1 in CFP rankings with 2 weeks left

AP News Radio

00:32 sec | 1 year ago

Ohio St jumps LSU to No. 1 in CFP rankings with 2 weeks left

"Ohio state leap frogs Alice you for the top spot in this week's college football playoff rankings the Buckeyes are in the cat bird seat with a twenty eight seventeen win over previously eighth ranked Penn state will hit the road this weekend to take on upstart Michigan which came in at number thirteen I was huge accented number two once again followed by Clemson Georgia and Alabama at three through five organs lost Arizona state sent the ducks tumbling and open the door for you to on a take the six lot Oklahoma Minnesota Baylor in Penn state round out the top ten I'm Deni cat

Michigan Georgia Baylor Ohio Football Clemson Alabama Arizona Oklahoma Minnesota
"cfp" Discussed on Get Up!

Get Up!

02:13 min | 1 year ago

"cfp" Discussed on Get Up!

"Now he gives you the best chance to win now. I don't care about when he's thirty. Five right now is when it matters exactly. Go play now this season. He came in through solid instead. You'RE GONNA they're gonNA remember. It is play for all into history and he was like I don't care I wanNA win right now right now. That's how you play football and that's long and I I think you're right. Maybe it does increase the risk of injury. But this is the best Lamar Jackson. We'll say say this too about the injury stuff because that's really to the point of what everybody is asking. He doesn't take a lot of big shots he I mean he is exceptional at avoiding last little that lasts little shake where he's going to avoid is not quite the contact that a lot of guys take he. I mean he is a fantastic to fund to watch man like you saw. I mean good. Grace I get. Loosen the sustainability piece of this that I bring up all the time is this. He plays the position that you can right now. Who knows what it'll be then but the market value of of a good thirty six six year old quarterback is thirty thirty five million dollars a year? Are you walking away from any possibility that a reasonable a reasonable question. But he's not GonNa make that amount the money if he's not able to play at his best ability to make that money right now but still. I'm just frustrated. Greenie like you walked into party. Everyone's having fun everyone's dancing the ratios of good the music music. And you're like what about the health violations too. Many people relax screening walk in and they have arrived many. Here's here's my question to you as a fan of a team. Yeah you care about what Sam Darnold is at thirty six or you want to win. Now listen I have a whole other problem with him. Exactly right yes. y'All WANNA be mediocre. Okay for ten years arguing that you see what I'm saying. I'm saying that if you just look right now at Cam. Newton who a lot of people are saying is done okay. He's tanking then. Tom Brady listen. Do you think that Cam Newton would've gotten. MVP would have gone to the Super Bowl. Got All these things if he was playing the way that you want them to apply. Don't know I don't want him to play anyway. Other than the the way he's playing I'm merely bringing up the fact that what you are none of the. NFL is old running quarterbacks. Right it's never happened in. It never will because these guys get hit like they're running backs there's plenty of great ones as though and he's going to be a great he's going to be a great right now. He's the best player in the sport of that. There was no debate. Let's talk about another guy.

Cam Newton Lamar Jackson NFL Sam Darnold Tom Brady football
"cfp" Discussed on Get Up!

Get Up!

02:30 min | 1 year ago

"cfp" Discussed on Get Up!

"Got nothing David. Look back at it. The the operative word is morning okay with you. We're not not early in the morning anyway. Saturday Justin Herbert and number six six Oregon. We'll look to keep their college. Football playoff hopes alive against our old buddy Herman Edwards and the Sun Devils in Tempe. You'll see at seven thirty eastern on. ABC and you can see see it on the ESPN APP back to the NFL and either or on some of the big match up to the NFL weekend. Dominique we start with this Aaron Rodgers for the forty nine or d who you got forty nine hundred that front is ferocious and they are the most effective pressure of anybody in the league and Aaron Rodgers with depleted weapons around him. I think the secondary is going to be able control his weapons and he's not a guy who takes a lot of risks and he can't run away from these D- lives imagine that this D. Line is going to give them a whole lot of problems. Almost Kirsten got thrown up a whole lot of problems because they are scared. Call Myself Jeff. Well next up It's dominic again who you got Lamar Jackson or Aaron Dow. Let's easy Lamar Jackson. Aaron Donald Fan. Lamar Jackson especial as much as Aaron. Donald can get in the backfield. The Mark Jackson is going to make him look like he makes these other guys look and and I also believe that Marshall Yawned is important. Part is he's the best most highly rated pass blocking guard in the league. So he's not going to shut down Aaron Donald but he's GonNa have a lot more trouble than he normally half a week that we can end what will be the highest rated game of the NFL season Patriots cowboys. Jeff Saturday he got or the Patriotdepot Patriots. Viva longshot. Look they're number one and third the best in recorded history. This this team could flat out play in the backfield. They can get pressure if they need to. They can bring they can line up on three now on forty four percent of the opposing drought. That is absolutely insane. Hundred percent going with patsy. You have devastated the president of the Prescott. Thanks up next to you and Dominique well. Let's talk talk about the Patriots for a minute. Let's talk about that guy. There continues to be a ton of speculation about whether or not rob Gronkowski might return from retirement yesterday. The announced a business based the plan to host a Super Bowl Party in south Florida after that announcement he told the ESPN's migrants the following quote. I wouldn't say never coming back. I'm I'm thirty years old. I'm young I still say fit still watch the game whenever I can still enjoy. I'm feeling good but you know one year off could possibly be the case for maybe two years old. It's always he's an option in the back of my head. It's not like I'm not staying in shape and not doing anything on never stress over it. That's a far cry and I WANNA.

Patriotdepot Patriots Aaron Rodgers Aaron Donald Lamar Jackson Aaron Donald Fan NFL Jeff Saturday Mark Jackson Dominique Aaron Aaron Dow Kirsten Sun Devils Justin Herbert Oregon Herman Edwards David ESPN rob Gronkowski Patriots
"cfp" Discussed on Get Up!

Get Up!

01:47 min | 1 year ago

"cfp" Discussed on Get Up!

"The Lakers. Now have to separate five game winning streaks this season while the rest of the NBA has combined for just three. The Leaguers didn't put together five consecutive wins once last season and now have as many five game winning streaks in the last month as they did in the previous season combined Jalen rose in on get up to break down the late show and Lebron James triple double coming up on get up. Aaron Rodgers had a bye week to prepare for the forty niners. Who have the best Defense Vincent football does this give the packers a huge advantage this Saturday plus some of the most jaw dropping plays that we've seen in the NFL? So what. What has been Lamar Jackson back to the season? We'll tell you on. Get up get up is brought to you by holiday feast and Prime Rib weekends at Golden Corral. The only one for every half hour coming away in five minutes other teams that can still afford to lose and be assured of a spot in the College Football playoff. We'll talk about it. Rob Gronkowski did something last night that made everyone thinks they know for for sure whether he's coming back or not. And don't Miss Nick with Lamar Jackson top. That and more but this one you're not going to be as excited sided about because it's sneaky Hembo out here. We go. Quiet against rich team has played the most games against the top twenty five then the current College Football playoff Al Franken. That's the question. The answer is next. Get up on the Mark Jackson every answering every question. Are you still wearing your button. Downs untucked and hoping for the best. Then stop it seriously. Seriously because traditional shirts weren't meant to be worn untucked and honestly it shows untuckit believes in helping guys guys look sharp.

Lamar Jackson packers Jalen rose Rob Gronkowski Lebron James Mark Jackson Aaron Rodgers Lakers NBA Al Franken Prime Rib Football Golden Corral untuckit NFL
"cfp" Discussed on Get Up!

Get Up!

03:00 min | 1 year ago

"cfp" Discussed on Get Up!

"To point out tells you the best. They've only played one big game this this year and they lost it at home. Did you feel the same way with two quarterback. Yes I would disagree with you there. I am not a fan of the eye test but I believe you have to actually accomplish something on the field point to one thing when this season is over the Alabama will have done on the field that says they've burned to be one of the four point to Oregon and Utah. What have they done to deserve? Whether well I mean at theoretically they will play each other right for the champion. But I'm saying what are they done to be there right now right now. They're behind Alabama. But I'm talking about where they're gonNA wind up in three weeks. Here's the thing. I think. It's a different debate because you can see first of all has to be some people the test matters some people it's all about stats so you got all these people people in a room that have different sets of eyes in different criteria which they go by. So you can't just say you can say that I don't believe that test but some people are going to and Alabama with two. is that what he was hobbling around almost LSU right. And if I'm by the way. I'm so thankful I don't have to play them. I don't WanNa play you WANNA play. Do not want to play them against. Conversations is that are happening. And one is who is the most deserving team or what are the top four most deserving teams and who was the best team and best. But it's not all but it's not always the four best that are going to make it in and that's that's just the reality of it and we've seen it happen before and I felt as though some non division winners Ohio states done it before they don't win the division they still make it into the College David unique argument because quite frank. I'm not impressed with Oregon and Utah. They're going to win the PAC twelve but Alabama could win the PAC twelve. And I think as you get closer to the examination Greenie you're going to find ended Alabama's resume us going to trump oregon. and Utah's with one exception. They will not have a conference championship. I don't even know that we're necessarily talking about the PAC twelve Georgia the beats LSU in the SEC Georgia gets in LSU PA- don't forget the big time could still make an argument for two teams. That one I'll have a very tough time seeing but again we can have the whole. This is something I've been doing on the air for years but at the end of the day the test thing really bothers me if Alabama played Ohio state right now who would win. Guess this who doesn't know the answer to that you and me and nobody else. That's the point. We're talking about things that haven't happened and we will not happen. Let's talk about things that have happened. And how they should have. Fourteen fourteen. The first ever playoff cartel Jones Ohio state. Pass the eye test against Wisconsin right and hit them in the face with a frying pan right and beat him fifty nine and nothing are they. The I just put them in the in the final plowed right. They won the college world compliment also put them in. They won the big ten championship game. Fifty nine enough and you gotta remember the Year Penn State beat Ohio state goods ahead and stay ahead of that. I remember well sometimes. It doesn't even matter how it plays out on the final. I get it because they get these things along all the time. If they would just listened to me we wouldn't have all. Okay now. Let's get to the other business here. Because that is todd mcshay latest draft rankings. They've been released. Anti no surprise to a Tongo. Bilo has fallen but he hasn't fallen that farm. They had him ranked number two before the injury now ranks thirteenth. He is behind.

Alabama Ohio LSU PAC Utah Bilo todd mcshay Oregon Tongo Wisconsin Georgia College David oregon.
LSU, Ohio State, Clemson, Georgia remain atop CFP rankings

AP News Radio

00:32 sec | 1 year ago

LSU, Ohio State, Clemson, Georgia remain atop CFP rankings

"LSU remains the number one team in this week's college football playoff rankings as the top seven spots go one changed undefeated Ohio state and Clemson Jack in it to win three while one lost Georgia rounds out the top four Alabama remains number five despite Heisman hopeful to a ton of my lower season ending hip injury while Oregon and Utah are once again slotted six and seven the only top ten shuffles all Minnesota's like two spots the ten after suffering its first loss of the season but a lot of Penn state and Oklahoma at each move up or wrong to eight nine respectively I'm Danny cap

LSU Clemson Jack Alabama Heisman Oregon Minnesota Oklahoma Football Ohio Georgia Utah Danny Cap
College Football Playoff Rankings: LSU jumps Ohio State for No. 1 as Clemson, Georgia enter CFP top four

Early Morning Praise with Larry Tinsley

00:15 sec | 1 year ago

College Football Playoff Rankings: LSU jumps Ohio State for No. 1 as Clemson, Georgia enter CFP top four

"The second week of the college football playoff rankings have been released as both Alabama and Penn state fell out of the top four after losses this past weekend meanwhile you GA moved up to fourth behind Clinton at three Ohio state at two in Ellis you at

Clinton Ellis Football Alabama Ohio
Alabama 5th in CFP committee rankings after loss to LSU

AP News Radio

00:32 sec | 1 year ago

Alabama 5th in CFP committee rankings after loss to LSU

"Alice you Ohio state Clemson in Georgia make up the top four in the second edition of this season's college football playoff rankings Alice you took the top spot with the big when it Alabama will the Buckeyes led to number two Clemson in Georgia make their top four debuts after the Crimson Tide dropped to number five and Penn state fell all the way to nine the Nittany lions were upset by the undefeated Minnesota golden gophers to improve nine spots and check in at number eight Oregon and Utah come in sixth and seventh well Oklahoma rounds out the top ten I'm Deni count

Alice Clemson Georgia Alabama Nittany Lions Oregon Utah Oklahoma Ohio Football Penn Minnesota
Ohio State leads CFP top four of LSU, Bama, PSU

Pro Football Talk with Mike Florio

01:04 min | 1 year ago

Ohio State leads CFP top four of LSU, Bama, PSU

"College football playoff committee released its first rankings last night and there were some surprises Ohio state ranked number one LSU number to Penn state number for claims in five of course the top four will be shaken up quickly because number three Alabama and LSU play on Saturday Ohio state and Penn state played a couple of weeks the point right now is to get some insights into what the committee is thinking about the same now we never know they don't let us in on this and maybe one day they will so we can hear the discussion but in reality the first set of rankings are really entertainment that's what I took away from this you know you want to bait this is because it's been a quiet college football season when you start to think about it don't you got a prime time matchup with Ellis you in Alabama but what else do you really have to show for the season so far credit ESPN it in into making it a must watch show for college football fans but the truth is the committee's thinking is gonna change and I can change from week to week all that matters is that last ranking but in the meantime sit back and

Ohio Ellis Alabama Espn Football LSU One Day
"cfp" Discussed on WBT Charlotte News Talk

WBT Charlotte News Talk

03:21 min | 1 year ago

"cfp" Discussed on WBT Charlotte News Talk

"CFP has made an arrest in two thousand eight quadruple homicide. Thirty two year old Dominick days charge of four counts of murder in connection with the case. Lou Prudhomme is the mother of one of the victims. This is obviously the day. Grateful for. And waited eleven years in March of two thousand eight four bodies were discovered in an apartment on high meadow lane near arch Dale, and I seventy seven police today said they do not believe days acted alone. And that the investigation is still active after nearly four decades of leading forest hill church senior pastor David Chadwick is stepping down. The sixty nine year old Chadwick tells WBZ TV's, Pat mccrory show, he wants to focus on and in the and expand his moments of hope media ministry. It's just burgeoning and growing, and I can't continue to do both. Well, so at this agent stage of life, it just feels like naturally the time for me to step out of forest hill into move into this ministry, and whatever else God they want for me Chadwick, a former North Carolina basketball player became pastor of forest hill in nineteen eighty and has expanded from one, hey, one hundred eighty members to a six campus church or the average attendance of around twelve thousand. He will continue his weekly show here on WBZ. President Trump's former lawyer Michael Cohen turns over more documents to house investigators. Fox's Kristen Fisher with more Michael Cohen gave lawmakers what he claims is evidence of one of the key charges that he made during his public testimony last week that the false statement he made to congress about the Trump Tower project in Moscow, which he's about to go to jail for was edited by the president's attorneys to sources confirmed to Fox News that Cohen turned over documents to the house intelligence committee that do include edits from the president's legal team. But it's unclear who specifically edited the documents or what exactly was changed after Cohen made the claim last week one of the president's attorneys jaysekulow said quote testimony by Michael Cohen that attorneys for the president edited or changed his statement to congress to alter the duration of the Trump Tower Moscow negotiations is completely false. To report to prison in early may to serve out a three year sentence. Senator Marco Rubio weighing in on funding for the president's southern border wall as some GOP lawmakers mull over whether to back President Trump's emergency declaration ahead of next week's vote Rubio, urging the president not to touch the funding for military construction. The president has three ways he wants to pay for the first two or not problematic at all he wants to use the anti-drug money. He wants to use the forfeiture fund. And if he takes those two funds and the money that we already appropriated in the budget that even the Democrats agreed to he gets to five point seven. He can do it that way. And that's what I think he should do. GOP senators mulling over whether tobacco. Trump's emergency declaration ahead of next week's votes. Your WBZ MoneyWatch long-term mortgage rates rose modestly this week, but they remained slightly lower than they were a year ago mortgage by Freddie, MAC says the average rate on the benchmark thirty year fixed rate mortgage increased to four point four one percent from four point three five percent last week. The average is four point four six percents year. Ago on Wall Street, the Dow is down two hundred eleven points at twenty five thousand four sixty one NASDAQ down fifty s and p five hundred is off twenty at WBZ. We lead local I'm Chad Bauer. WBZ.

President Trump president Senator Marco Rubio Michael Cohen David Chadwick Trump Tower WBZ TV Trump Tower Moscow GOP forest hill church Lou Prudhomme forest hill Dominick murder arch Dale Chad Bauer Pat mccrory
"cfp" Discussed on BiggerPockets Money Podcast

BiggerPockets Money Podcast

03:49 min | 2 years ago

"cfp" Discussed on BiggerPockets Money Podcast

"If you do in like a is kind of a consultation like you in a hourly rates for a good financial planner, which when I say that I, I mean someone who's a certified financial planner. CFP a fee only financial planner, meaning that they don't take commission from any products that they sell. They are paid either directly or as a percentage of assets that they manage. So what it would cost is probably anywhere from one hundred and fifty. In our to three hundred fifty dollars an hour depending on their expertise, and I would gravitate toward the higher end of that. It doesn't necessarily mean just because they're charging more, they know more. But if they've been in the industry for ten plus years, they've probably seen a lot, especially if they've been in kind of the fee only fiduciary independent realm. They're much more apt to just kind of look at your broad situation and say, these are things that you need to change rather than saying, hey, I recommend this really good investment product. That's not what you're looking for. You're looking for someone who can kind of pick out and say, you know, you should've taken three thousand dollars in capital losses this year to offset your your ordinary income. We're little things like that. They can pick out of your tax return or your overall situation general. Okay. You also mentioned Texas. Somebody who is looking at tax returns in this sort of thing. Does a c. p. do taxes, like what they threw what a CFP does do and does not do so people don't have any unrealistic expectations? Yeah, it depends on the CFP CFP's kind of. In your financial life is probably best thought of as a quarterback kind of kind of overseeing several different things. So the cfpb CFP courses entail insurance, income taxation, investments, financial planning, estate planning. So all these things that kinda go together, Zohreh estate planning, for instance, you need a good attorney for most of that. You know, if you're going to set up a trust or some sort of advanced t if pe- won't do that. But see if owes enough to ask the right questions NBA to direct the client to an attorney to set it up in the right way. Same thing with taxes. So some CFP's are also CPA's also get their CPA designation or Delaware around some CPA's will also get their CFP designation. So CPA is certified public accountant and some practice that way. They'll prepare tax returns and do that work as well. Personally, I don't do that. I don't like describing down through the numbers. I like meeting with people in talking through things. I'd rather someone else run through the numbers can catch any mistakes that goes. Through, but it's part of the course workforce CFP's to look over income tax. And depending on the experience of the CFP, the clients that they work with the clients specialize in their income tax knowledge may be different. Some may be more advanced may be more specific to real estate investing or to doctors or different things if they're specializing in a specific niche, but most CFP's should have a very good overview knowledge of taxation. Okay. And you have a stable of professionals that you work with regularly, it sounds like. So when I come to you and I say, hey, I need to dismiss state planning like, oh, Bob Jones is the best estate planner attorney, or this guy would be better. So am I correct in assuming that you have a stable of professionals that you work with regularly? Yes, that's exactly right. If I'm referring someone to a professional, I have a network of professionals that I'll refer to. Usually I work back. Enforce between them. So say it's in a state planning attorney that specializes in with real estate investors. If that's the case, then I'll send him an Email ahead of time or her Email ahead of time saying, this is what we're looking at for this client. Can you prepare a proposal for this client to fit their needs? I am not an attorney. I don't do anything like that. I'm not a CPA so I don't prepare taxes, but I know enough to direct them to do it and then we get the feedback back and forth between them..

CFP attorney CPA fiduciary NBA Zohreh Texas Bob Jones accountant Delaware three hundred fifty dollars three thousand dollars
"cfp" Discussed on BiggerPockets

BiggerPockets

03:49 min | 2 years ago

"cfp" Discussed on BiggerPockets

"If you do in like a is kind of a consultation like you in a hourly rates for a good financial planner, which when I say that I, I mean someone who's a certified financial planner. CFP a fee only financial planner, meaning that they don't take commission from any products that they sell. They are paid either directly or as a percentage of assets that they manage. So what it would cost is probably anywhere from one hundred and fifty. In our to three hundred fifty dollars an hour depending on their expertise, and I would gravitate toward the higher end of that. It doesn't necessarily mean just because they're charging more, they know more. But if they've been in the industry for ten plus years, they've probably seen a lot, especially if they've been in kind of the fee only fiduciary independent realm. They're much more apt to just kind of look at your broad situation and say, these are things that you need to change rather than saying, hey, I recommend this really good investment product. That's not what you're looking for. You're looking for someone who can kind of pick out and say, you know, you should've taken three thousand dollars in capital losses this year to offset your your ordinary income. We're little things like that. They can pick out of your tax return or your overall situation general. Okay. You also mentioned Texas. Somebody who is looking at tax returns in this sort of thing. Does a c. p. do taxes, like what they threw what a CFP does do and does not do so people don't have any unrealistic expectations? Yeah, it depends on the CFP CFP's kind of. In your financial life is probably best thought of as a quarterback kind of kind of overseeing several different things. So the cfpb CFP courses entail insurance, income taxation, investments, financial planning, estate planning. So all these things that kinda go together, Zohreh estate planning, for instance, you need a good attorney for most of that. You know, if you're going to set up a trust or some sort of advanced t if pe- won't do that. But see if owes enough to ask the right questions NBA to direct the client to an attorney to set it up in the right way. Same thing with taxes. So some CFP's are also CPA's also get their CPA designation or Delaware around some CPA's will also get their CFP designation. So CPA is certified public accountant and some practice that way. They'll prepare tax returns and do that work as well. Personally, I don't do that. I don't like describing down through the numbers. I like meeting with people in talking through things. I'd rather someone else run through the numbers can catch any mistakes that goes. Through, but it's part of the course workforce CFP's to look over income tax. And depending on the experience of the CFP, the clients that they work with the clients specialize in their income tax knowledge may be different. Some may be more advanced may be more specific to real estate investing or to doctors or different things if they're specializing in a specific niche, but most CFP's should have a very good overview knowledge of taxation. Okay. And you have a stable of professionals that you work with regularly, it sounds like. So when I come to you and I say, hey, I need to dismiss state planning like, oh, Bob Jones is the best estate planner attorney, or this guy would be better. So am I correct in assuming that you have a stable of professionals that you work with regularly? Yes, that's exactly right. If I'm referring someone to a professional, I have a network of professionals that I'll refer to. Usually I work back. Enforce between them. So say it's in a state planning attorney that specializes in with real estate investors. If that's the case, then I'll send him an Email ahead of time or her Email ahead of time saying, this is what we're looking at for this client. Can you prepare a proposal for this client to fit their needs? I am not an attorney. I don't do anything like that. I'm not a CPA so I don't prepare taxes, but I know enough to direct them to do it and then we get the feedback back and forth between them..

CFP attorney CPA fiduciary NBA Zohreh Texas Bob Jones accountant Delaware three hundred fifty dollars three thousand dollars
"cfp" Discussed on WMAL 630AM

WMAL 630AM

02:45 min | 2 years ago

"cfp" Discussed on WMAL 630AM

"How are you? Hi, I'm doing great. It's a pleasure to speak to you. Thank you. How can I help? Well, either question. My mother-in-law. Why would a major mutual fund advisor this actually happened? So my mother in law. She's eighty three years old an annuity, and she does not have cash flow needs. But that's how they justified it. And the second part of that question is doesn't see the advisor need to be serve as a. I do -ciary since she's a CFP. Well, this is this is annoying to hear I share your question. Why would an adviser selling annuity to an Eighty-three year-old who doesn't need current income? So I don't know what the rationale or justification was for the advisor. CFP's certified financial planners. Do have a code of ethics that they must adhere to. However, there is no legal obligation for them to do. So in other words, the regulatory authorities fenra and the SEC and the state insurance commissions do not have such a mandate unless that CFP happens to be registered as an investment advisor, meaning an RIA with the SEC or the states in that case, the CFP would have that legal obligation and other than that. No. They don't have to do that. Now, the CFP board might raise an eyebrow. And you might want to contact the board to see if the CFP has violated their obligations under the CFP code of conduct in which case the board may take action such as stripping the of their designation. But that's about all that's about the extent to which the Safety Board can act the bottom line is this. It's hard pressed just on the MIR face of your conversation with me here. The the few facts you've provided me I'm hard pressed to justify why an eighty three year old would be placed into annuity, especially when you consider that many annuity products, and we need to look at the one this adviser provided whether or not there is a long surrender charge associated with it. Meaning that liquidations within a ten year period could be subject to significant fees. If that's true, it raises even further the questions of this now on the other hand, perhaps the CFP chose a product that offers very strong guarantees without liquidity restrictions. And if that's true, then maybe you could argue, gee, maybe it ain't so bad. So I'd want to look at the details of the annuity contract. But on the face of it. It's hard pressed to tell to explain..

CFP advisor SEC Safety Board eighty three years Eighty-three year eighty three year ten year
"cfp" Discussed on KNST AM 790

KNST AM 790

03:39 min | 2 years ago

"cfp" Discussed on KNST AM 790

"And that's at age seventy and a half what that means is at age seventy and a half even if you don't want to take money out of those accounts you are required to it it's based on the value of the account and your age and as you get older each year that percentage increases and the reason for that is because the government now needs to tax money money has Growing tax deferred you wrote it off when you contributed it and. So what the government's trying to do is recapture. That for tax purposes? And. Take more but you can't take glass you're listening. To saving with Silverman with Mark Silverman and is explaining some financial jargon that, you know, if you meet with, advisors. Out there, are folks. Who say their advisers you're going to hear, these words a lot because sometimes they're confusing. And sometimes there are other folks out there who want. To confuse you how 'bout basis points what exactly is that a, lot of advisors throw that. Around basis points in which some people call bibs basically what. That is the easiest way to explain, it it's one. Hundred basis points equals one percent so if somebody say fifty base points or. Fifty bishops It's one half of one percent that's honored basis points equals one percents. If you break it down. That way so if somebody's. Paying one and a half percent. They're paying a hundred fifty. Basis points or bits that's, all it is it's not anymore difficult than that okay not, as complicated? As it sounds that's for sure okay one more here CFP's one exactly is a CFP sure and I'm a CFP is. A certified financial planner professional the only, way to find if somebody's a CFP or. Not is to go online and you can look and see if they are CFP a lot, of people call themselves financial. Planners that's used very very loosely these days but there's one CFP designation and what that means is they've done the training there's a, ten hour test you must take you, have to have a certain number of years in the business we have to pass ethical they do a background check you have to be a fiduciary there's lots. Of different things if somebody's in this industry I would ask him or her if they're not a CFP why not there is not good reason either working towards. It or they're close to retirement and they. Don't want to deal with it if you're working with That adviser I would demand. That work with somebody that's CFP and you can go to the website, and see what our CFP's adviser but. Like I said I'm a CFP and I think, every advisor that's taking this business seriously should be. One as well Mark. I know a lot of people. Out. There may have questions about financial. Jargon financial terms. Here. All the time. Or other kinds of questions in. Regards. To finances and getting ready for retirement and I'm gonna. Give out the phone number in a moment so folks can call or text and arrange a time to come in and talk with you. What can they expect so just like you get a second, opinion on your health, why wouldn't you get a. Second opinion on your wealth so whether you're do. It yourself for are working. With someone this is now your chance to go through this process we call the. Financial physical do you know. What your investments are cost. To you if you're still working. Are you on track to. Have the type of retirement, you've always envisioned or if you already retired do you know, if your? Spouse are at risk of running out of money while trying to maintain your current lifestyle I can assure you I will. Not be trying to You investment or insurance products I repeat this is not a sales meeting in this initial beating will address issues. Of importance to you, provide an overall view of your situation and give you some general advice what needs to be completed. This. Consultation is designed for both individuals as well as couples however if you are, married it is mandatory that both spouses attend this initial meeting so whether you're still working already retired the great, opportunity to see what it looks like to work with someone, who is actually required to have a fiduciary responsibility to look out for your best interest at, all times this meeting? We'll be valuable to you whether or not we decide to. Work together there is no cost reputation for this initial? Appointment however it is best suited for people who've saved.

CFP Mark Silverman fiduciary advisor one percent ten hour
"cfp" Discussed on KNST AM 790

KNST AM 790

05:28 min | 2 years ago

"cfp" Discussed on KNST AM 790

"One again you can call. Or text to make that happen Mark let's play. A little game here of fill in the blank I'll. Start the sentence you fill in the blank and then expound on that the blank can be a single word or an entire. Thought so just tell us how you think. It you go you're ready to go the number one on my list here. The best way to be sure you don't run out of money. In retirement is to blink hire a CFP to put together a comprehensive financial plan for you That's good I liked I, mean I mean that's the only way, to do it if you're meeting with somebody, and they're all they're doing is giving you a spreadsheet or a sales marketing piece on by this. Annuity it's. Going, to give you this income forever. And you're going to be set that's. Not gonna help you or if they're selling you a bunch of mutual funds that's. Not gonna help, you need somebody it's gonna put in. The time and the effort to look at all the different. Pieces of your financial puzzle to put together a comprehensive financial plan for you yeah when Mark says, CFP he. Means certified financial planner of course, Mark, is, a, certified financial planner. Professional the founder and, the, managing, member, of, Silverman. And. Associates the next item on the fill in the blank. List. Here is the stock market has the ability to blank go. Up and go down. Unfortunate a lot of people just feel lately that it. Just goes up my say lately I mean over the since. Two thousand nine I know since February we've seen a. Lot of volatility but if you look at historical chart you'll looks like it just goes straight up but the markets can go up in the markets can go down and they will and that's normal all right now next Is, if your adviser tells you blink you ought to run the other way that's, a good one there's, lots of. Things that. I could, fill in, the blank with that one I would. Say you're not paying any fees if they have you thinking that there's no risk you know any of those sorts of things are. Are always things that I would explore further but anytime anybody's doing a job and they're doing if you think they're doing it for free or you think that, your investment doesn't involve. Risk even if. You're buying bonds there's risk in everything you just have to understand what the risks are obviously the risks are greater and certain things more so than others but. You. Need to understand what, the risks are and I. Just wanted, to touch on the fact that, you'd said CFP's there are multiple there several of us here. In Tucson unfortunately I believe I'm the only one that's on the radio so if you know I would seek out a CFP if you're really. Looking at financial planning which everybody should have a financial plan now I would add, something you said a month ago if your. Adviser tells you you're, going to get rich with his, variable annuity maybe you should run the, other way yeah if you're going to get, rich with any annuity you should run the other way that annuities aren't designed to, make you rich. Whether it. Be, very More fixed that's. Just not how they're designed number four on the list of our fill in the blank game. Here when somebody comes to visit you for the very first time they're more likely to be, worried about blink I'd say lots of things that I'd say the number one thing is running out of money what we call having more life. Than money so your your, life lasts longer than. Your money does yeah people living longer these days. Basically, but if you don't have a plan there's a good chance. That it can happen to you and Mark and help you put together a plan so that you can be assured you. Know afterward lie awake. At night wondering if you're going, to, outlive your money and and you know nobody wants to. Run out of money, in the last years of your life that's a big fear for everybody, the most common mistake that you see. Retirees, and pre retirees making is blink I would say. Either spending too much or not saving enough and finally let me ask you. To fill in the blank here the. Most. Gratifying part of your job Mark Silverman is blank, having people achieve their goals with my help I know it makes you feel, good when you can Look in the mirror. And think really helped these people today I gave? Them peace of mind? And you know I'm gonna make their? Life better that must be. Awfully crowded that's really what why. Got into this business run you know that is really about helping people. And whatever shape or form that looks like it's different for different people but really helping them answering their. Questions making sure that they're making the right financial decisions not just for them but for their, families because everybody's impacted based on the decisions. They make and it's guiding them and helping them make? The, best decision they could possibly make. Along the way through some pretty crazy, stuff at you they're so good job on this fill in the blank game here but if there are folks out there who have blinks they'd like, for, you to fill in. For them and they want to come in and sit down and have a face to face conversation with you what happens when they come in. Well just like you get a. Second opinion on your health why wouldn't you get a second opinion on your, wealth so whether you're a do it yourself are already working. With someone, this is now your chance to go through this process that we call the financial physical do. You know what your. Investments are costing you if you're still working. Are you on track type of retirement you've always envisioned Or if. You already retired do you know if you or, your spouse are at risk of. Running out of money while. Trying to maintain your current lifestyle why can assure, you I, will not be trying to sell you investment or insurance products I repeat this is not a sales meeting, in this initial meeting we'll just issues, of importance to you provide an overall view of your situation and give, you general advice on what needs to be completed this consultation is designed for both individuals as well as couples however if you are married it is mandatory that bowl spouse attend this initial meeting so whether you're. Still working already retired this is a great opportunity to see what. It looks like to work with someone who is actually, required to have a fiduciary responsibility to look out for your best interest at all times this meaning we'll be able to you whether or not we. Decide to work together there is? No, cost obligation for this initial appointment however it is best. Suited for people who've saved at least two hundred fifty? Thousand dollars and as you probably are, aware I am a certified. Financial planner professional and I believe the only one locally here on the radio in Tucson. And the going hourly rate to meet with the? CFP such as myself? Can cost as much as three.

Mark Silverman CFP Tucson founder fiduciary Thousand dollars
"cfp" Discussed on KSFO-AM

KSFO-AM

02:02 min | 3 years ago

"cfp" Discussed on KSFO-AM

"Schlesinger cbs news business analyst cfp senior cfp board ambassador if you've got a financial question we love to hear from you eight five five four one one jail that is our phone number our email address is ask kill at chill on money dot com when i graduated from college my mother i think mostly my mother but a little bit my father oddly enough wanted me to go to law school i was so over getting another degree in fact i don't have another degree i don't have a law degree i don't have an nba i have my cfp which was it was hard went through that for a few years but i don't know like the idea of going to grad school when it could be working in getting real experienced that was w way more important to me or or at least maybe just more my not important just what i wanted to do was more fun well thankfully our guest rana pheru heart the author of makers in takers may believe she she actually reinforced made me believe that that this was the right decision because as she describes it there is a little bit of uh herding instinct of all those nba's and it may not have been the best thing for us businesses so here's more of my interview with rana pheru car so let me ask you another question what i want to understand is in your book you do have a little interesting conversation in a round mba think and i will love t for you to talk about that because i have been an outspoken opponent of m b can i get it we've had a mind meld yes so i have garnered some lovely nasty emails from people who let's terrible tell me why you're a little bit unnerved by.

law school law degree nba Schlesinger business analyst rana pheru
"cfp" Discussed on KTTH 770AM

KTTH 770AM

02:26 min | 3 years ago

"cfp" Discussed on KTTH 770AM

"Know there's more research coming out on the impact couples have with each other on their various money script some life scripts that create conflict between the two of them so they are unable to achieve their goals because one wants one thing on one once and other sorta the idea that there's a spender in a favor third married and you know what's interesting about that i i guess it as i listen to this i wonder even in my own mind like should should like the cfp board may this part of the training itself because you know how like an a lot of medical school polls they started bringing in some of those soft skills do you think that this is something that should be almost part of the comprehensive certification should it should it be part like these certain aspects of it absolutely in fact we back when when i got my fear peace certification back in 1984 open one of the first required reading books was cookbook about green and communication skills that the few people would have provided each cfp county and but they don't do that anymore no no it's not offered anymore now why do you think that is that's interesting i wonder if it's one of those weird things where it has com like i don't know navy it's one of those things where it's become like more mathematical and in it and they believe lost something there why don't you think we've lost something and that's a great question i don't know why i get left however i know that the most recent cfp ford standard book mantra climbing competency handbook does have a few chapters now dedicated to the psychology of money and communication style i do think it important part and component of a process i also think that most of the time you know one cfp certain learning to become pfp than half their them there's sort of the automatic assumption the automatically already know how a communique and that's just not true if that were true i think divorce rate's we've been a lot lower people would get along get a la along a lot better at no kid a no kidding message sent necessarily mean message received so all right we're gonna go to a break but.

cfp county cfp ford