27 Burst results for "ESI"

Interview With Ethan Diamond Of Bandcamp

How I Built This

02:25 min | Last week

Interview With Ethan Diamond Of Bandcamp

"And today my conversation with ethan diamond the ceo and co founder of band camp band camp describes itself as an online record store and music community. Any band or musician can post their music on the site sell it and also offer merchandise and tickets for live performances and the artists keep more than eighty percent of the profit band. Camp had been steadily growing since its launch in two thousand seven but last year was its biggest yet. Traffic to the site surged as concerts and festivals. Mostly shut down. You know as you said. We're essentially an online record store and use a community where fans connect with artists and directly. Support them and about half. The business is physical record. So vinyl cassettes cds. A lot of t-shirts as well and then half the business is a digital music. So people buying Digital and digital tracks directly from the artist and we also recently launched live streaming. So now tickets are part of it as well but You know. I would say that the thing that really sets us apart is that we just built the whole company and the welfare of the artist. So we don't we don't sell advertising. We don't really focus on subscriptions. We just help. Artists sell their music. And then we take a small revenue share on every sale. So what to say is that we only make money. If artists make a lot more money and sort of alignment of interest that we have built into our business model is really just everything about i would were. I would say an artist. I music company and something like eighty. Five percent on average of the revenue goes directly to the artist right. Yeah it's it ends up being There's payment processing fees Fee so on our and it varies by transactions is comes out to about eighty two percents that goes directly to the to the artist and then we pay that out every it usually takes about twenty four to forty eight hours. I've heard it described a little bit like esi for independent music. Is that a fair comparison. Totally yeah i and which i take is a complimentary. I think that that's i think it's a really good comparison at ca and banker both really large marketplaces that I think really focus on supporting the

Ethan Diamond Band Camp Band Camp
"esi" Discussed on Optimal Finance Daily

Optimal Finance Daily

01:34 min | Last month

"esi" Discussed on Optimal Finance Daily

"To participate in the discussion and hear from other money nerds just search for optimal finance daily. And you'll quickly find. The facebook group called four the fi curious but for now. Let's get to today's post as we optimize your life. Serve six times. It's easy to ask for a discount by esi of esi money dot com a few years ago. When my mom was ill she to stay in a hospital we from her home. My dad got a hotel room for eighty nine dollars a night initially but when it was apparent that his state would be longer than expected. He asked the manager if he could get a long term rate. The manager said he could agreed to let my dad's stay in the room for sixty seven dollars a night from that day. Forward simply asking for a discount is one way to save big money but many people don't like to ask thinking that it's rude or simply something that's just not done in america or perhaps they're afraid of being told no whatever the reason. This article is for those people who are reluctant to ask for a discount. It lists six times that asking for a discount should be very easy and threatening if you're one of those whose reluctant to ask for discounts. Consider this a national survey by consumer reports found that more than ninety percent of shoppers. Who bargained got a better price if you wanna try your hand haggling. Here's some occasions when you're virtually guaranteed a discount just for asking number one when buying the floor. Model retailers often offered discounts on floor models..

Etsy Crushes Estimates, Revenue More than Doubling

Squawk Pod

05:15 min | Last month

Etsy Crushes Estimates, Revenue More than Doubling

"Nc blowing past earnings expectations revenue more than doubling in the most recent quarter online retailer. One of the big pandemic winter shares up more than three hundred percent over the past year. And it's the biggest premarket gain earned the snp right now joining us to talk about the quarter and the outlook ahead job. Silverman ceo of esi. Josh it's great to see you this morning. You just had this blowout quarter. Let's talk about what you think. The future looks like and i ask in large part because i think we're all hoping that we're about to get into a post pandemic world that may bode well for some and may bode well for others. That's right well. Twenty twenty was a spectacular year for it was a time when circumstance met preparedness and millions and millions of people discovered for the first time or maybe rediscovered at sea At a time when they hadn't been in a long time and she's the kind of business that gets better as it gets bigger So more buyers means more sellers more sellers more buyers which makes the marketplace a whole lot better so to your point You know none of us really know what twenty twenty one brings. None of us have a crystal ball. But if i look at Twenty twenty ecommerce grew at an the crazy rate. Ecommerce grew it over forty percent year-on-year and yet oetzi grew two and a half times the rate of commerce. So i don't know what e commerce is going to do in twenty twenty one. But but i hope and believe that we'll be able to continue to outpace ecommerce overall in terms. Though of the way you think the shopping experience takes place you think by default the growth. You think i mean your how. What's the chance of the same kind of growth next year for example. Well i on the On the bull side of people we tend to forget. There's a lot of people even in twenty nine thousand nine who star shopped almost exclusively amal. Who never shopped online. So millions of people started shopping online and twenty twenty. Who hadn't before and they they loved it. It was convenient and interesting. And so we've brought a lot of people into e commerce warrant there before i'm the bear side during the pandemic can't spend on travel. They can't spend on dining so they're spending a disproportionate share of wallet retail and when they're spending on retail they go to the mall so they're spending a disproportionate amount on e commerce. So what. i don't know what. I don't know that any of us know is what's going to happen to consumer spending overall as you know as as restrictions ease what i do know though is if look over the long term if you're looking at twenty twenty two twenty twenty three and beyond ecommerce bigger and stronger and will be bigger and stronger. I believe as a result. Josh as you know. Musk tweeted on january twenty six. I hope you've saved the tweet. I kinda love at see. How much was that tweet worth. You think this quarter trades on the fundamentals and has always traded on the fundamental so at the time that he sent that tweet. Oetzi stock price went up. I forget the amount. But i think we gained a billion and a half two billion dollars market at four two hours and then the stock price settled right back down to where it started before the tweeting by the way. He's tweeting about the fact that he loves the marketplace tweeting about a product that he bought for his dog. Which which i love. But you know we trade on the fundamentals and i think it's so important that we keep talking about the fundamentals and i hope that's always traits on the fundamentals. Not on some story. That's that's other than that. You thinking at all about accepting bitcoin not right now i'm holder. I've held bitcoin for six or seven years. Now i think on the theory that i think it can be an interesting store of value. It could be an interesting tender. Some david need a whole lot more people to buy an own it before. I think it's really useful for people as as a and then. Finally i wanted to ask you about how you see the marketplace world versus the website or store world given the successive shoplifting. By how many of you are small. Businesses are both on on your service and also developing their own. And what does that mix look like for you know. Many of our sellers will also have their own shop. The challenges creating your own shop today is is is creating a lemonade. Stand in the desert right. It's harder and harder for an individual site to rise above the noise and become a brand that people can remember all the trends. I see is you know. We're consolidating fewer and fewer large e commerce platforms. And that's because the human brain can only remember somebody brands. We can only keep four five six eight brands in mind for everything else. We've got to go to google and we'd better go to facebook and if you're downstream google facebook then they're going to be the ones who get all of the economics so i don't think it's likely that there's going to be two billion thriving individual places to go buy things and years from now. I think there's going to be a handful. So the job of that seeing is to create a brand that stands for something that's meaningful and all of our sellers as a result

Josh ESI Silverman Musk David Facebook Google
"esi" Discussed on The CMO Podcast

The CMO Podcast

03:08 min | 2 months ago

"esi" Discussed on The CMO Podcast

"We sign off no nothing that comes to mind. It's been lovely talking to you. Jim so much research like blown away. Like i didn't know jim. New podcast is a gift right. I get to enter. Someone's life for an hour. And i take very seriously and i do want to know everything i can about them so my conversation can be helpful for people and hopefully help them make an impact in their life through the example of people. Like you thank you for the opportunity. I look forward to Enjoy more of your podcast in the future ranks. Ac and enjoy the weekend. Okay bye bye bye. That was my conversation with ac eggleston bracy. That was about the most personal podcast. We have done in this series three takeaways for you to think about in your life and your business i one. If you're not in the wellness business you probably should think about that. Wellness is important for your employees. It's important for your customers. In nearly every business coming out of cove it is going to be dialing up their wellness strategy. So think about that for your brand. Your business second takeaway. Do you have an explicit personal purpose. Ac talk so clearly about finding her purpose finding her voice claiming her voice the most important question. She asked people when she was on her journey to find her purpose. Who i was for you. Think about asking that to the people that are important in your personal professional life and be sure that you are explicit and following personal purpose and the third takeaway the sabbatical. How often do we take a pause and our life to recenter reconnect and be sure. We are spending our time our most valuable resource on what we want to be spending our time on in some ways. It's a luxury to take some time. Not working to recenter but it doesn't have to be a year or two. It can just be a weekend. It could be a week. It could be a month obviously the longer the better in terms of how deeply you wanna recenter. But i did not take as long as ac. Did i still found it very powerful to help recenter my life. The perspective i got by stepping away was that actually when i was in the corporate job at p g. I don't think i was playing to my strength as well as i could. In a more independent life for pursuing things that i was most passionate about so i decided to have a portfolio approach to life to not work for one company to have several things that were centered around my personal purpose that i would work. Activating in my daily work. That's it for this. Episode of the cmo podcast. If you found this helpful and entertaining i would be so grateful. If you could share our show with your friends and i would be super happy. If you subscribe. So you can be updated as we published new episodes. And if you really want to help the us a five star rating and a positive review when apple podcasts or wherever you listen. The cmo. Podcast is a gallery media group original production..

Jim five star jim apple a year two second takeaway three takeaways one company a week eggleston bracy third takeaway ac an hour cmo month
"esi" Discussed on The CMO Podcast

The CMO Podcast

07:51 min | 2 months ago

"esi" Discussed on The CMO Podcast

"In some cases if the company or school said your hairstyle that was textured was not acceptable. May have the legal right to deny you employment or send you home from school and in learning that you know. Just not okay. Any who knows that says that's not okay right. It's not many people don't know so to combat that on behalf of dove you went out and spoke to legislative officials group called noble national organization of black elected officials who them had textured hair and many of them didn't know instead we could make this change and then a senator from california. Holly mitchell said you know what. I'm gonna take this on and champion this and we found that the crown coalition in in support of championing. What is now known as the crown at creating respectful open world for natural hair senator holly mitchell and team pauline crown forum the coalition to be in support of that partnership with the national urban league western center on law and poverty and color change and so now the crown act is In place in seven states last year had passed the federal house of House of representatives. So we're on our way to federal legislation. We've got work to do this year. But it is all out of beauty inclusivity that dub believes in and having the ability to lead that. And there's more to do we talk an awful lot about brands. Having a purpose we often fall down and activating it and measuring and this is a beautiful example of activation a beautiful example so ac. I want to move to the lightning round to close this out and the first question half for you. Is you danced and acted in college. What was your favorite role performance. Oh wow the colored museum with a shonda rhimes was my director. Actually you're kidding. No that's how. I sean sean there. From the reason we talked about it recently. So i was a wig and i was talking head with a wig and we talked and she directed me and it was. It was great literally just question. Wow i'm talking about this. November december like to hear a remember yes. She was buddha black underground theatre association. She's a director for buddha. And there's a colored museum. There was a three whigs. She is so freaking talented. just amazing. Well listen i wanna ask you about cody and unilever products and your beauty and wellness regimen. So what's your favorite products from those companies that are still in your regimen So unilever i would say my favorite right now is a new product. I just launched. Which is malay even tone corrector. Levitz new brand may lay is short for mellon skin. It's melanin skincare. And it's a serum and it I love it. I love it. So that's my. That's my favorite before that it was another face serum which was shame moisture Sarum the oil as serum which was incredible. Those are my two favorites than i have. Lots of unilever products that i use. But those are my. Ooh la ones in so From cody i would still say covergirl lash blast mascara in the only thought. I would say that my daughter we just talked about. I think she's using something now. I like exhibitionist. But it still that clean. Lash look so. You're a very highly awarded leader from so many different organizations. Women's wear daily at age e. t. ebony on and on what's been the most meaningful one. That is a really good question. Trying to think. I'm looking over at my trophy case to see really what means a lot to me is when i'm rewarded for impact In so i got an internal award at unilever for the crown act and it's got the compass award and i got that earlier this year And that was really meaningful. Have gotten a lot of awards. And i'm so grateful for that. Her legacy Awards are i got one from add color that was. I think it's called the legacy of war. So i appreciate those as well. The ones i really appreciated the one to show the impact. So i think most recently was this unilever compass award this out of our whole global unilever's a very global organization and big in india big in china so a lot of the impact programs come out of markets from lifebuoy and then to see the us the acknowledged for the impact. And i hate to say an internal war because i value external. But it's the one that i can point to. It really is about impact. The others tend to be more about leadership or lasting impact in the industry. Which i appreciate but so what. Are you most passionate about right now. I'd say wellness twenty twenty with kovin was like anti wellness in so i'm into personally. How do i get back in. More of healthier practices have always do my japanese water therapy. I'd do my intermittent fasting but those are probably the to stock some trying to get back into my fitness routine. Back into meditating back into moving and walking and then. I'm really thoughtful about wellness in the community chest. What can we do to have give people the richer wellness experience. You have an incredible personal board of directors. I read about them. I think the wall street journal did a piece on that. If you add it one more and it could be anyone who would that be see. I would say like obama. Barack obama both between the two. Can you. yeah. I'm about midway through his big book. I'm at about three hundred fifty pages. It is so good and it's so good on the small stuff what life was like as a family in the early days in the white house on frankly how he found his voice and when he realized that he had a big impact on people know and he goes through that in really really personal way in a way. That's very relatable. So if i'm reading that i'm loving it. I'm absolutely loving. That is actually next on my reading. List my favorite book from twenty twenty was actually cast on. My shelf was a just incredible. So my son always. Why do you recommend that to everyone. So so so so good. Read of four or five really good books. But i'm reading now Deacon king kong. In when. I'm done with that. I go to promised land. So i'm that's next on my list super all right last word to you. You've been so generous and this has been such a marvelous beautiful conversation. Anything for me any question before.

Levitz four holly mitchell california November december obama five Barack obama Holly mitchell last year two india china both unilever seven states this year about three hundred fifty page House of representatives two favorites
"esi" Discussed on The CMO Podcast

The CMO Podcast

06:53 min | 2 months ago

"esi" Discussed on The CMO Podcast

"Their latest research and recommendations. What's the first brand as a young girl growing up in chicago. That made an impact on you. What comes to mind is an unexpected answer. And i'm going to say wet and wild. Do you remember the brand wet and why they made one dollar. Eyeliner and lipsticks says a young girl. A gave me access to like all of these beauty products without having a lot of money I wouldn't say necessarily like high quality duty products. But i just wet and wild. That's all began their case. Hi i'm jim. Stengel and helped major brands find their purpose and activate it the prophets. Follow for seven years. I was the global marketing officer for proctor and gamble where i oversaw the marketing of hundreds of brands. You may not know it. But the cmo's chief marketing officers of all of your favorite brands are trying to connect you with your favorite products and services through purpose and on this show. I delve into how they do it my yesterday. And the cmo podcast is ac eggleston. Bracy the mvp and chief operating officer for the unilever north american beauty and personal care business unilever's roughly a sixty billion dollar company one of the top advertisers in the world with the stated purpose to work with people to make sustainable living commonplace top brands. Include dove acts links. Lifebuoy omo lipton elman's nor and about three hundred ninety other ones. Ac is a chicago native lives now in new york city for personal mantras. Passion power and enter anthem is run the world. By beyond say this is my conversation with my friend. A c eggleston brayson. Welcome to the cmo podcast. It is so good to see you again. It has been too long agree. Super nice to be here with jim and i see your face on zoom record this on a friday late afternoon early evening after a long week. These are all long weeks. Can you share with our listeners. Do you have a weekend ritual to chill to relax to renew or not. That's a great question My team always says how was your weekend. And i always answer every weekend's a good weekend so i love the weekend and the first part of the weekend is generally they're not scheduled or structured meetings. Although i do use the weekends to take meetings and other areas outside of work that are important to me or sometimes to connect with People without a schedule per se. But what i generally tried to do is make saturday a work. Free day and so Usually friday nights as a family. We'll have family. Dinner will do family movie and we might stay up late together as a family. So i'd like to sleep in and catch up on sleep because of course during the week we don't get as much sleep as we like and then i usually Start my day exercising. So i go to the jamrah. Ron or i'll take a walk and then because i do intermittent fasting. I'm usually famished by then. So at that point it's usually one or two And i grab something to eat in unusually run errands or connect with the friend. Take a walk these days. I've been walking central park. So let's meet up because it's safe and it's outdoors And then. I might have other meetings like that. I man sometimes usually after three or four. These are times. I'll use to like planning events planning an event now where this upcoming year is. The new york mayoral election. So we're doing a little bit of meet. The candidate so have several other pry projects Work on and then at saturday night. You know i might enough. I have a big work. Project might take some time to do. Some things connect with people but generally not on saturday So i love my weekends. And then i moved to sunday sunday I do use sundays. Moore's a work catch up day. Get ready for the week. But i still go through the same bit of exercise in the morning Spending some time with the family. But i tend to have more calls or things that i have to do and then just get ready for the week. I just love the flexibility. Of the weekend i love it. We have a lot to talk about. We could really do a whole series on you. But i wanna start back in chicago and i've seen you refer to your math teacher. Dad and your activist mother in some other. Could you speak about their impact on you. Yeah you asking. The question makes me smile because it brings me memories especially because of cova haven't seen my parents in more than a year. At this point i let being in new york and i'd last visited i want to say was january. February of twenty twenty. seven makes me smile My father Was called coach. Egg are my maiden name. As eggleston's mr egleston is a math teacher and he was the coach the basketball team and he taught at i would say in Underinvested in an underserved school and for any Was like a father for many of his students and i grew up with them at home because they were always over coach ache and my dad. He you know was committed. Math teacher and a coach ingest. A wonderful human being. I mean just a family person. My dad growing up. He was the one who would come to my to my gymnastics matches or my cheerleading competitions. That was my dad. Just like a family man. So that's my dad. And i picked up my love of math from him as a math teacher My mother Is a firecracker. Young feisty went to law school After she had had two kids and decided she wants to be a lawyer. Like you know she just decided in the world what she wanted to do and she do that and she was Both my parents are really activists always Champions for the community. My father.

egleston chicago Ron two kids one dollar jim seven years saturday night january cmo new york city sixty billion dollar Both Bracy saturday two unilever one yesterday seven
26,000 Handmade Hair Scrunchies

Side Hustle School

03:16 min | 3 months ago

26,000 Handmade Hair Scrunchies

"Names christian for horbert and firm cedar rapids iowa. My side hustle is friend band and it comes from my middle maine Which is bryn and speech episode. Seven thirty seven and when i first started i wanted something that would kinda along with what i was doing so i started with just crunchies but i didn't want to just be like christian scrunchy so I kind of brainstormed on what i wanted to do. And brin and bands kind of just fit together and kind of work from there. So it's dance and i create different handmade harris s raise or ladies across the nation about two and a half years ago. I was at my old job. And i was in charge of some college girls through the summer camp that our college hosted so Scrunches are making a comeback. And they knew. I was crafty and so they asked if i could make them a scratchy And it kind of just snowballed from there. And i was like sure i'll try it. I knew that In the ninety s my mom had actually made scratches She works at a hospital. She just made them and all the nurses loved them and so i asked her for help Because you can find it on youtube and everything. But i wasn't really satisfied with a Tutorials that i was finding the of work Cheaper quality so. I knew my mom made really good ones. That didn't snap burn. Vance is my main hustle now I guess it would add that. I'm a mom as well so the last time we talked i was still working at the community college as a program developer and shortly after our interview is when i realized the potential for bands to be able to grow and for me to be able to focus full time on it and i also found out was pregnant so i knew i had nine months to work from home and grow brin bands and then i was gonna figure it out when my son came. It's so crazy to see. Burn band started using crunchies. So now we've added all these product lines as well also have headbands in different styles. There's like a turban nodded in a tied on one We have scratches for little's all these new products so it's just really exciting to see the growth that we've had in different product lines and everything is still with that band name so a headband had is still has it. So that's still my focus. I feel like a lot of times we borrow is like. Can you do t shirts. And i'm like that's just not what brin bands stands for and i feel like just changed the focus of our here sassari can align. We've edit all the new product lines so it's a lot of cannock customer so i'm really proud of that and some other things on se. I just reached my twenty six thousand transaction mark. So i sold. I've had twenty six thousand transactions on esi so that's a lot of products that i've made. I guess one little pass of though i love it seems like at least once a month they will get a message in. Dm's or on esi saying that they heard me some titles and that just makes my day so exciting half pool Still listening to my episode so many years later so that's always really exciting. One girl was actually from the same hometown. As as so. That was kinda fun to

Scrunches Cedar Rapids Brin Maine Iowa Harris Vance Community College Youtube
"esi" Discussed on Optimal Finance Daily

Optimal Finance Daily

01:31 min | 3 months ago

"esi" Discussed on Optimal Finance Daily

"These <Speech_Female> <Silence> <SpeakerChange> <Music> <Advertisement> skills to grow <Speech_Female> their careers and <Silence> salaries <SpeakerChange> when needed <Music> <Advertisement> <Music> <Advertisement> so <Silence> <Advertisement> <Silence> <Speech_Female> you. Just <Speech_Female> listen to the post titled <Speech_Female> how to manage <Speech_Female> your career to make <Speech_Female> millions more <Speech_Female> by esi <Speech_Female> of es <Silence> <Advertisement> money dot com. <Speech_Female> <Advertisement> And <Speech_Female> i'll have some comments. <Speech_Female> But i <Speech_Female> <Advertisement> wish she were <Speech_Female> <Advertisement> in early. On some of the <Speech_Female> <Advertisement> best performing <Speech_Female> <Advertisement> pews of twenty nineteen <Speech_Female> <Advertisement> and twenty twenty <Speech_Female> <Advertisement> with our <Speech_Female> crowd. Accredited <Speech_Female> investors have access <Speech_Female> to invest directly <Speech_Female> easily <Speech_Female> and most importantly <Speech_Female> <Speech_Female> our crowd <Speech_Female> investors have benefited <Speech_Female> from our crowd <Speech_Female> <Advertisement> companies. I owing <Speech_Female> <Advertisement> like beyond me <Speech_Female> <Advertisement> or being <Speech_Female> <Advertisement> bought by companies <Speech_Female> like intel nike <Speech_Female> microsoft and oracle <Speech_Female> are <Speech_Female> crowds investment professionals <Speech_Female> leverage their <Speech_Female> extensive network <Speech_Female> to review some <Speech_Female> of the most promising <Speech_Female> private companies

"esi" Discussed on Optimal Finance Daily

Optimal Finance Daily

02:09 min | 4 months ago

"esi" Discussed on Optimal Finance Daily

"To check your spare tire with the tires. If you're low tire pressure late is on. It just might save you a costly trip to the dealer search. You listen to the post titled freezing weather tire pressure. Cosco fail and a money saving tip by. Es i of esi money dot com things to anger for hosting this podcast. Anchor is the easiest way to make podcast the distributor podcast for you. So it can be heard everywhere. Spotify podcasts google podcasts. And many more you can easily make money from your podcast to with no minimum listenership anchor. You everything you need in one place for free which you can use right from your phone or computer creation tools. Allow you to record and edit your podcast so it sounds great. Download the anchor app or go to anchor dot. Fm to get started one of the many reasons while of hosting the show is that i learned something new every day. How many of you knew this trick of checking the spare tire. I sure didn't and i just love how timely this is as we're headed into the cold weather months. What stands out to me about this article. Is that when. You're mindful about spending and strengthening your frugal muscles. You'll continue to find ways to save money over time now..

The Food Fix

PODSHIP EARTH

05:13 min | 5 months ago

The Food Fix

"I must admit to being exhausted. The last four years has taken a massive psychological and emotional toll that i'm only now just beginning to appreciate truthfully the struggle to keep hope that this day would arrive of alluded me the good news that we now have the opportunity to reignite democracy civility truth and move towards healing both our country and the earth. We've gone so far backwards that we need to move forward with deliberate tangible and bold steps one of the voices calling for such a revolution in thinking and action is dr mark. Hyman mark is a systems thinker and for dr. Hyman health is about connecting the soil with the farmer with the groza without diet and only when we connect all those dots. Can we begin to achieve planetary regeneration. As we'll hear in today's podcast what is truly staggering is the cost of today's broken food system. In which sixty percent of our calories in the us come in the form of ultra processed food. Dr mark hyman is head of strategy and innovation of the cleveland clinic center for functional medicine. He's the founder and director of the ultra wellness center and the board president of clinical affairs for the institute of functional medicine. Mark hosts one of the leading health. Podcast the doctors pharmacies spelled f. a. a. c. y. Pham esi marcus. The thirteen time. New york best seller author. His most recent book is called food. Fix how to save our health our economy our communities and our planet one bite. At a time i sought by ascii mark. How he got into medicine in the first place. Ming doctor was a total afterthought for me buddhist student in college. I studied buddhism. Asian studies chinese. I studied ecology. The environment systems thinking ancient systems of healing. Very eclectic and i decided after i graduated. But what am. I going do with a degree in buddhism so i took a long hike by myself in the shenandoah valley through my backpack brought a copy of moby dick. Because it was a very thick books. I could carry and read house before kindle and I just walked and thought and just kind of thought about what i wanted to do in the buddhist framework is really about healing. It's a it's a healing system. It's not really a religion it's really a system of healing of the mind and it's about the relief of suffering it's about compassion and love and service and and those were things that really called to me as a young man and i thought well. What could i do. That kind of fits all that. I could be a monk. That didn't sound like a lot of fun. But i decided i could be a doctor and it was a total afterthought i just i didn't have any science courses. I had to go back. And take some pre med courses and ended up loving. And i decided i would just keep doing as long as i liked it. And if i didn't like it anymore. I would stop and so far so good thirty years later. I mean that's great advice for anyone thinking about people. Ask me career advice. I say that like if you enjoy it if it fills you keep doing it and if it doesn't maybe think about stopping it exactly exactly chain. I've changed so many things i've been you know a small town country doctrine idaho and a native american reservation. Emergency room doctor started clinics in china ex patriots. I was the medical director. Kanye ranch i developed my own. Practice started writing books and teaching About functional medicine became the faculty of functional medicine institute and direct and the chairman of it started big center for functional medicine at cleveland clinic. And now i'm sort of moving into a different phase of thinking about how do we deal with the intersecting issues of food and health and agriculture environment which all may seem separate but are actually all one problem and if we want to solve one we have to solve them all to before we end that. What is functional medicine. What does that mean. That joke is the opposite of dysfunctional medicine. Which is what we have now. As essentially a system of thinking it's not a methodology or treatment or attests supplement is is essentially a way of thinking about disease based on systems. It's it's base c ecosystem medicine. You understand that that the environment is an ecosystem and that everything has to be imbalanced in nature. For to thrive and in madison we really created a reductionist model that allows us to focus on diseases and symptoms in drugs to target those symptoms and not really understand what is health. We never took the course in medical school. Creating a healthy human wanna one. You know we we basically learn how to diagnose and diseases functional. Medicine is the science creating health. And when you do that does goes away. The side effect if you create a healthy ecosystem for example on a farm or a natural ecosystem it becomes. Resilient disease doesn't occur.

Dr Mark Hyman Mark Dr Mark Hyman Cleveland Clinic Center For Fu Ultra Wellness Center Institute Of Functional Medici Pham Esi Marcus Ascii Mark Hyman Moby Dick Shenandoah Valley Ming Kanye Ranch Functional Medicine Institute Ecology Mark New York
"esi" Discussed on Optimal Finance Daily

Optimal Finance Daily

03:18 min | 10 months ago

"esi" Discussed on Optimal Finance Daily

"Various ways to reach financial independence. I read many fire financial independence retire early sites and amazed by the various ways, people have achieved financial independence, especially those in their thirties and forties. There are two ends of the spectrum based on how much income is needed to cover F. I. Expenses. Some people only need thirty K.. A year to cover expenses while others need one hundred K.. These two are illustrated by what is most common based on my reading versus my. My specific situation, the most common path is as follows high income while working low expenses, savings rate of fifty percent or more invest in index funds, real estate and or dividend stocks reach financial independence with an annual expense number of thirty K. or less at a relatively young age most include withdrawing four percent of assets to cover expenses so depending on how you define financial independence, you may or may not call this financial independence. My Path. High income while working. It's no secret that I had a successful career during my working years. Moderate expenses. We were semi frugal, but certainly not misers savings rate of thirty percent I haven't run the numbers, but this has to be close invested in index funds initially and then real estate and reached financial independence with an annual expense number of ninety seven K. at an early retirement age early fifties. There are people above and below these numbers, but this range probably covers at least ninety percent of those who reached financial independence I know some ESI money readers who will have over ninety seven K. and income when they retire, and there are all sorts of combinations to reach financial independence like average income, very low expenses very low financial independence income needed high income very low expenses very low financial independence income needed..

"esi" Discussed on Optimal Finance Daily

Optimal Finance Daily

01:32 min | 1 year ago

"esi" Discussed on Optimal Finance Daily

"Real quick we recommend listening to this show on spotify where you can listen to all of your favorite artists and podcasts in one place for free without a premium account. Spotify has a huge catalog of podcasts. On every imaginable topic. Plus you can follow your favorite podcasts. So you never miss an episode. Premium users can download episodes to listen to off lime wherever and whenever and easily share what. You're listening to with your friends on instagram. So if you haven't done so already be sure to download the spotify APP search for optimal finance daily on spotify or browse podcasts. In the Your Library Tab also make sure to follow me so you never miss an episode of optimal finance daily. This is optimal finance daily episode. Eleven Twenty One. Stop making money excuses by. Esi OF ESI MONEY DOT COM and welcome to optimal finance daily. I am Dan. I'm here every single day reading to you from some of the best personal finance blogs on the planet and hope. You're having a great Saturday. Thinks of course for listening and I've got a post today from. Esi money and if you didn't know we actually give away books on instagram. And we do that pretty frequently. So if you're not following us there yet you can find us at old podcast for now. Let's get to today's post as we optimize your life stop making money excuses by ESI. Of yes I'M DOT COM. Well it's been a while since I've had a good rant here so let's fire one up today..

spotify
Designer Scales Personalized Wedding Products to $1M+

Side Hustle School

04:39 min | 1 year ago

Designer Scales Personalized Wedding Products to $1M+

"My name is kristen. Berry Mr Morris I live in New York City my business side hustle is Miss Design Berry and I was on episode one seven eight. Miss Design Berry is an ECOMMERCE shop. We specialize in custom illustration pieces for weddings and other big events. I graduated and moved to New York in two thousand eleven and I was working in advertising and even though I was making good money I still needed extra money and I had gone to school for design and illustration so I just started an se shop. Dan started doing it on the side after work and slowly slowly grew it and then in two thousand fifteen. When I ended up leaving my fulltime job to run missed designed very fulltime. Since I was last on the show I ended up working with a business coach for about eighteen months and he helped me actually really changed our pricing model in the wing. Interact with our clients. One of my goals was to move. All of our business off of betsy took us about one year and we did end up doing that. We sell to a smaller group of clientele now with a much higher average order value. So as of Tony. Nineteen or revenue was still about one million and so this year will probably grow about twenty percent the on that we are launching a second brand children's brand later this spring which makes kind of sense. It's the logical next step because the next thing for our clients get married and they start their own families. You'll be doing lots of stuff for sort of a first child in new families and then the last update is that I have started doing some consulting work as well or other small businesses. Who are looking to move from a primarily ESI focused business to their own website as well so I have launched my own website and we'll be launching an online course for that later this year. If you are a small creative business at a really wonderful things to start you're able to get sort of built in traffic. You can test out products and really see what the market wants. And what's maybe not so popular and you're able to get a lot of feedback from clients and really kind of figure out where you're putting years and what you ultimately want to be selling for us. We reached a certain point where there was a lot of competition who were fiercely just ripping us off We were paying an insane amount in fees yearly for SC and was Changing a lot of their their logistics in the way that they ran thing so what had worked for us for several years in terms of advertising in that sort of stuff had really started to become a lot more expensive and we read a point where we kind of knew what are we knew. target Intel was and. We felt like we were ready to move off the platform. And just have a bit more freedom. I think for anyone who's looking to sell art or illustration design some kind of something under that umbrella. Online it really is helpful today to have a very specialized niche because the more specific you can be in what you're selling and who you're targeting. There's a lot out there. There's a Lotta competition and if you're trying to blanket and you know sell to everyone salter no one and for us we've realized we've gotten more and more and more specialized as the years go on and that's only helped us grow which sometimes it can seem like that doesn't make sense that it really does one really special component that we've kind of added into our business model is we have partnered with a dog. Charity called the Beagle Freedom Project and a portion of all of our sales now. Goes directly them. it's something. I'm really passionate about dogs and rescue organizations. And so that's been like a goal for me ever since I started my business. So I'm really happy. Now that We're able to really give back to them through our business and all the clients that raval to service. Thank you kristen very much. Appreciate those updates and advice. Let's talk about for a moment before I wrap it up. You know it's it's not just about the listing and sales fees and thinking about this because I often mentioned how sometimes people who sell on the end up getting frustrated and going on to do their own thing. You know setting up their own websites. They're not dependent on that platform which is a good thing to do. But I think it's not just. The listing entails piece. It's also about this advertising arms race to where you know to be successful especially in a competitive market. You don't just pay the basic commission. You almost have to pay these increasing advertising costs and we see this with facebook as well. You know businesses that are built on facebook. Ads sometimes ended up in an industry which is super competitive. You'd have to keep spending and spending and spending and so fortunately Christian has found a way to essentially exit the arms race. So good for

Miss Design Berry New York City Kristen Facebook Berry Mr Morris DAN Beagle Freedom Project Betsy Tony Intel SC Salter
Cooking for the Family During Self-Isolation

Bon Appetit Foodcast

11:12 min | 1 year ago

Cooking for the Family During Self-Isolation

"Carla Music First of all how are you doing? I'm doing okay. I am thankful for a lot of things right now. One of them being that. There's actually space at home for us to not be on top of each other. So I'm very grateful for that because we're GONNA be together for a while. Yeah I mean we've had ESI had marlins moaning I have spent a really nice actually four or five days family time been very chill. Marlins been great and I appreciate it. A Lot I do wonder come like day thirty. We're all gonna be doing but so far I feel like everyone has been stepping up to the challenge. I think I've been trying to be understanding of of what's in front of US totally on the food front. We recorded a few weeks ago about how to sort of prepare for this and at the time it was almost theoretical abstract like. Oh Yeah Okay we're GONNA go buy a bunch of groceries and it almost seemed by okay shore and now that we're fully in it. I'm just curious to understand how you're doing. And like what has come to fruition. What lessons have you learned? What's working what's not working yeah. It's almost quaint looking back on that conversation now. I think we were thinking about it. Like Blizzard was coming. You know we were going to be home for a few days So one of the resets for me has been really thinking about how to incorporate both kind of a pantry that is going to help me build meals and keeping enough fresh food and freezer in stock for variety. And so that I don't feel like every meal has to be a project you know. That's a good point because some meals. You want to be a project because you want something to do. Maybe you want to get the family involved. And there's other times where I had bought a bunch of frozen little Ravioli. Sorta things at the Italian market and one night right. Let's just watch a movie and not to a big me. All of us for the freezer oil them up in Boston with some butter and Parmesan nutbag and that was delicious but was super simple in not time consuming. Yeah I think that's really important because when we have this idea that we're gonNA be stuck inside because of like a weather event or You know things that may be as humans in this world. We can relate to being stuck at home for a few days in not context. It's really fun to do a big project and cook all day but now that what we're really thinking about is no. This is normal. Life in normal life is at home. And maybe your kids are doing online classroom and you have to make lunch like you can't be kind of elbows deep in like a big project as best bully as a LASAGNA. When you know someone needs a peanut butter and Jelly Sandwich. So I'm just trying to think about that balance having some things that are hands off and take maybe a few hours to Cook Lake stock or a braise but really thinking about that as multiple meals down the line And then also balancing that with like you know I. I really heated some. I had some conference chicken okay. So like that's a personnel guy. No problem that I had but I had confused chicken in my fridge that I had made like several weeks ago and last night I decided you know. Use a couple can black beans Heated those up. I had a so Frito I had done a big batch so Frito so I have like little jars of so frito really easy way to get a lot of fast flavor. Made the Black Beans Chris. Step chicken thighs heated up. Some FAJITAS put out sour cream and we kind of had like a little Taco night. You remind me of a meal. Sonic who believes that nothing ever really goes bad in the frigerator I had to. I got to Jars Schmaltz out of the deal too. So you know what works we. We were in Zoom meeting about twenty of US earlier today Talking about story ideas and just that notion of talking about lunch that when we're all stuck at home we still need to sort of build some sort of schedule for ourselves and like actually take time to sit down at a table and eat lunch and that otherwise your day into sort of tumble for one thing to the next five thirty. And you're like wow. I'm still in my sweatpants. And I haven't had an actual meal or a moment to communicate with someone in a non-professional level or something I think that's really important. I thought was a great tip. Last time we spoke was a like. Yeah we want some fresh ingredients in our diet. It's not just pantry but then to be mindful about the shelf life of those items and so I we bought much stuff at a farmers market in this beautiful celery but after a few days celery Kinda rubbery you know it's Kinda limp and other well. Meanwhile denied these two big heads of cabbage. Stomach all right. The cabbage is fine. That's a cool place. That'll probably be fine a month from now but that salary I need to make tonight Ross is GonNa go bad so I ended up making that Tiger Salad. We HAVE ON DOT COM sites up to celery salons cucumbers a rice wine assessment addressing and that was delicious and a made it also with that the next subject again. We'll be touched on a few weeks ago but I did end up going to Dixon's Farm San meets. Which if you have a nice butcher shop near you. This is a great time to buy a bunch of cuts of meat. That if they can back you seal them and you can just immediately freeze up. Yeah Antibiotic a Little Flat Iron Steak. Which is kind of a thin cut and I just didn't even defrost it all the way. So it's actually you can slice it thin easier. That way. It made Chris Morocco's Basic Bogie Korean style Bogie Dot Com and that was delicious and easy and fast and it just felt like a sensible balance like right one thing from the freezer one fresh ingredient before it goes bad But you know it's again. It's sort of ingredient management. We're all GONNA have to deal with in the coming months. I think I love that Bogie Recipe. By the way I saw your picture. It looked so good. I think that one thing. I'm trying to reassure people as often as possible. There's a lot of food. In the grocery stores we got a lot of we kinda got bombarded at the beginning with this like Armageddon. Everybody was posting pictures of all the empty shelves and Empty Freezer case. And I think it really freaked a lot of people out and I think that if you're going to like a big box store that maybe had a huge volume of people very quickly that that was true there that that inventory was depleted fast. But I really do want everybody to remember that. There's a lot of food in the United States. And there's a lot of distribution that is one hundred percent intact and not to feel like you need to have in the house right now. A month's worth of three meals a day for the next thirty days I think keeping a balance of pantry staff fresh food freeze. You know free some meat free sausages whatever it is in Kinda keep those zones replenished but no one can fit enough food for thirty days in their fridge at once anyway and and and you shouldn't feel like you have to show taking it like one week ten days at a time but you know I am. I know being mindful about being in crowds and stuff like that. Grocery stores are open. Be Safe about it when you go in and you can buy food. Yeah thankfully I think we're we're in good shape right now Spatial management is also interesting. I am the roundabout story but I'm old friends from way. Back in the day with Andrew Carmelina who is now a race. That's Shafie done a bunch of restaurants in New York and Detroit And yesterday they had to shut down all the restaurants and at least temporarily lay off. Four hundred people Something that's the entire restaurant. Industry has been crippled right now. It's really unclear how that's all going to play out and who's going to have to make a living. Cetera ET CETERA And yet he was a literally clearing out their kitchens and a lot of food they were able to give away. He had like twenty loaves of frozen bread. He's like do you want some bread and one thing. I do think that a tip which I know you guys do in the kitchen which is nice. If you have a loaf of bread you can slice it up. Put it in a ziplock bag and then freeze that time you can take out one slice toasted instead of having to defrost entire low for whatever and eat it. All at once which I think is great advice the challenge. I'm having we have a small. Caesar saw Mike will can I? What can I fit in the Freezer M. I? Managing my freezer space properly or do I have a bunch of random stuff in there that I don't really need which your freezer thoughts I use my freezer really to freeze components for meals instead of like complete meals so for example everybody is talking about that all the frozen pizzas were. Gone Gel. Which is hilarious. Again I get it but if I went out and bought six frozen pizzas entire. Freezer would be full. You know is not there. They're not very efficient. Use of space But things like cooking grains freezing them in Ziplock bags. You confed a lot of that into the into the freezer timeout. You mentioned this last time. You're saying like if you have like Farro or something you'll boil it cook it and then you cool it yeah trey and then put in Ziplock Bag. Yeah and then when you unfreeze it so you can just unfreeze it. You could make a stir fry from it at that point. You could make a grand salad. Once it comes back to room temperature warmed back up and dress it with a little olive oil. You could add it to a brosse soup You could make a you know. Kind of ad hoc risotto out of it. You know Could you should. You should write a cookbook. I've thought about it. You could also reheat it. I have been This is a very like nostalgic delicious thing to me but grains can go sweet too so you could warm up some Grains that were cooked just with a little bit of salt water and even if they had a little bit of olive oil. Warm those up like you would Oatmeal a little bit of milk. Some cinnamon hung little drizzle of Maple resting would be like a delicious breakfast or honestly like if you need a little comfort food for

United States Marlins Carla Music Frito Boston ESI Bogie Dot Com Cook Lake Jars Schmaltz Farro Sonic Maple Resting Chris Morocco Dixon Ross Andrew Carmelina Shafie
Jane and Ann Esselstyn Dish Up Some Kitchen Confidence

Plant Strong

06:50 min | 1 year ago

Jane and Ann Esselstyn Dish Up Some Kitchen Confidence

"Okay I am here with an S. Allston and Jane astles than we had an unseasoned. One of the plan. Strong podcast but surprisingly. This is the first time that I've had Jane on and I thought it would be appropriate that when I had Jane also have an-and because you guys are almost like tweedle tweedle dum many ways And it's really it's amazing to me to see how how you guys have become almost like best best friends like over the last couple years and I'm just like love to hear it from each of you like what. How would you describe your relationship now? We'll learn more next door neighbors and and we're working partners at times and John is by parents so their next door and and I feel so lucky in the parents that somehow I got an ESA as my parents like. What are the chances? And what look and then to be next door to them and to work with them and is just amazing. So I don't know how it's a weird to categorize parental child relationship as best frenzy. But it but we are totally companions. The luckiest thing was for us was when you guys move next door. That was just incredible. It's the way it should be. Have our kids? Are Your children? Grow Up? And weaken desert watched them. You know. Pick them up at school. It's been fantastic and cheer them on. It Swayed Jane. The best part is when Jane is was cooking and making all the recipes for your three books rip. Se and I were the recipients of ABC So many meals that. I didn't have to cook for the longest time. All right. It's funny how what a gift that is. Someone cooks for you. It is funny on well in some for people that don't know Jane spearheaded the the recipe sections in my last three books so plan strong than the engine to seven day rescue. And then the engine to cookbook. It's funny I thought there were two books. Three Africa the other seven. Yeah I know yeah in this and we did our book together. Yeah which was great and her end is actually without Jane. I would just not be doing anything because she is the leader. She has the ideas here. You said because that's so true. Yes I do logistics. I I type things up I right. We need this this this. Let's do this this this and you're like China too much and then once we start you just run with it and you hijacked the whole show. Well so you when you say this show a lot of the listeners may or may not know but Jayne probably what two years ago now? You started a exactly youtube right. I think deserted. Youtube channel is basically. It's it's you and an that are on every episode during doing something. Something different usually related to cooking right. Yeah we'll plant perfect implant strong stand the first time chain had go over she she guidelines and I just stood there like I was totally like I didn't want to be there. I didn't know why I was. There was no. There's no classroom or participants or people to talk to so and now it's kind of fun. Yeah if you WANNA laugh go back to the first of our youtube and look how. She was grumpy pants. Well how many. How many different youtube shows have you done? Now you videos. What are we done on? You think we don't seventy seventy but we're let me tell you saying absolutely crazy now. Esi has been this spearhead of all of this for all of us. I mean he is pioneer. Yeah Pioneer I mean he's behind it all and now when we travel we go places. I mean even when we go to places like Denmark or Iceland. I cannot believe the number of people that come up to me and say oh off I live your videos an se. Standing Right there beside me. And I'm feeling what I'm just about as aren't you talk to me is as long as the line? What to me is so perfect about? It is when I go back when we started doing Our weekend events back going now. Gosh seven eight years ago in in you to do you're cooking demonstrations and people would come up. I know they come up to you but to me and say your mother and your sister need to have their own cooking show they are. They're who they are so educational. You're amazing and now you guys also you have your own show right. Yeah we're first years waiting for someone to say. Hey we designed cooking shows you can. We're waiting for that not me. Well I didn't know what to think what would happen. I mean we just sort of waited and so what's cooking? Show call now that you have besides your youtube channel. Ge Appliances which is a company which is part of a company called higher H. A. R. They're an innovative Racers were re grew group company and they were looking for the next new thing to do on the Internet so they eat saw that we had high engagement numbers and they were like all the most. The comments positive. There's plenty of people who have negative things to say which is fine and how to get on the Internet to that. I can't I don't know what the negative comment so this branch of GE appliances from owned by higher approached US and said. Hey we have this company called cooking with Chievo and you'll can cook live and people who sign up to take this class with you will get a grocery list and they'll cook live with you at a set time on a set date and it's a nice dinner together when we cook for. It's almost about an hour plus of cooking hour and a half of cooking and plenty of time just talking in explaining your first answering questions. It's time we did it. They flew US DOWN TO LOUISVILLE TO ONE OF THEIR TEST. Kitchen type things which just happened to be in a little old house anyway but now now we're doing from our home which is which is nicer us just convenient wise but we'll see we'll hope to continue with them. You know doing occasional

Jane Astles Youtube Ge Appliances S. Allston John Louisville United States SE Chievo Jayne Africa China ABC Denmark Iceland
"esi" Discussed on Optimal Finance Daily

Optimal Finance Daily

01:44 min | 1 year ago

"esi" Discussed on Optimal Finance Daily

"Real quick we recommend listening to this. Show on spotify where you can listen to all of your favorite artists and podcasts in one place for free without a premium account. spotify has a huge huge catalog of podcasts. On every imaginable topic. Plus you can follow your favorite podcasts. So you never miss an episode. Premium users can download episodes to listen to off off lime wherever and whenever and easily share what. You're listening to with your friends on instagram. So if you haven't done so all right be sure to download the spotify APP search for optimal finance finance daily on spotify or browse podcasts. In the Your Library Tab also make sure to follow me so you never miss an episode of optimal finance daily. This is optimal finance daily episode. Ten Sixty two the importance of tracking and managing cash flow by Esi of ESI MONEY DOT com. And I'm Dan I'm your host and this is where I read to you from some of the best blogs on personal finance every single day including weekends and holidays and we actually have five different shows. Where are we do that and each of them covers a different topic? So you can search for optimal living daily wherever you're hearing this to find all five of our narration style podcasts. But for now let's let's get right to our midweek edition of optimal finance daily as we continue optimizing your life the importance of tracking and managing cash flow by Esi of ESI MONEY DOT com. Now that we've covered the importance of measuring and tracking racking your net worth. Let's move onto financial measure. That's almost as important. It's important because it's a major driver of net worth and it's called cash flow so what is cash flow well. Cash flow is simply income minus expenses..

spotify Esi Dan I
"esi" Discussed on Optimal Finance Daily

Optimal Finance Daily

01:34 min | 1 year ago

"esi" Discussed on Optimal Finance Daily

"Real quick we recommend listening to this. Show on spotify where you can. Listen to all of your favorite artists and podcasts in one place for free without a premium account. spotify has a huge huge catalog of podcasts. On every imaginable topic. Plus you can follow your favorite podcasts. So you never miss an episode. Premium users can download episodes to listen to off off lime wherever and whenever and easily share what. You're listening to with your friends on instagram. So if you haven't done so already be sure to download the spotify APP search for optimal finance finance daily on spotify or browse podcasts. In the Your Library Tab also make sure to follow me so you never miss an episode of optimal finance daily. This is optimal finance daily episode. Ten thirty seven five steps to six figures in seven years part one by Esi of ESI. I MONEY DOT com. And I'm Dan I'm your host and narrator bringing you some of the best blogs on personal finance seven days a week and if you have any topic requests for US please share those by visiting old podcast dot com that's L. D.. PODCAST DOT COM also a quick reminder that you are automatically entered into our book raffles if you're part of our free weekly newsletter newsletter mailing list. So if you're not on that already. Now is a great time to join. Just come by old PODCAST DOT COM and sign up but for now. Let's get to the post as we start optimizing using your life five steps to six figures in seven years part one by yes. I of the SL money dot com as you can tell from the title..

spotify Esi Dan I
"esi" Discussed on Optimal Finance Daily

Optimal Finance Daily

05:13 min | 1 year ago

"esi" Discussed on Optimal Finance Daily

"I've posted a ton on retirement including how to retire early whether a million dollars ours is too little to retire or not and how three million dollars is not enough to retire but those posts tend to be how to's with general suggestions today. I'd like to get more specific and provide a roadmap for those wondering if they can retire or not a way for them to calculate their numbers and see where they stand so with that. Let's begin detailing the three steps to determining if you have enough to retire. Step one estimate your retirement expenses this step sets the baseline for what you'll have to overcome to retire if you've had a budget throughout the years and or attract your spending in any way estimating your retirement expenses will be easy. You probably already have a good sense of what things cost. And may have years of exact spending data to us in setting retirement costs. We have over twenty years of spending saved in quicken so this was a breeze for us. If you don't have any historical oracle results you'll need to get some eventually so set up a system like quicken mint et Cetera to track spending and get some actual data until then you can estimate by looking at past Checkbook Checkbook Bank and credit card statements simply list. What you plan to spend by category food clothing home entertainment etc over? The first three years of retirement beyond three years is difficult. Estimate you can do this by year. Quarter or month and use whatever format works for you paper spreadsheet computer program at Cetera. We use a spreadsheet enlist costs by category and by month then at the end of each month I save a new copy of the previous month. Sheet Lop off the month that has passed and set that new projections based on more current Info. This gives me a completely up-to-date budget every month and allows me to make adjustments where needed easy peasy doing this. You'll get an annual annual spending number. This will be your retirement. Target step to determine how much retirement income you can generate calculating retirement income can be difficult since there are so many variables that go into it. L. Focus on the basics that likely applied to most people these are one total assets less any debt on them. Obviously obviously the higher this number the better to the amount of income these assets can generate or said another way the income generating return rate on these assets. Three whether or not you want to draw down your assets in retirement for example using the four percent rule. We've discussed here quite a bit. Seem I post how to retire on a million dollars dollars or less if you want more specifics and for extra income from a side hustle. Once you know these you can get a decent projection of retirement income. I'll run through a few you examples to show what I mean. High income generating assets. Let's begin with Bob and Sally who have the following finances two million dollars in assets. It's half in real estate and half index funds. The real estate earns eight percent in income per year while the index funds are in one point five percent in dividends. Here's what Bob and sally could earn and retirement. If they didn't want to draw down their assets they would earn ninety five thousand dollars per year. That's eight percent on the one million in real estate and one point five percent on the one million in index funds. If they did want to draw down their assets they would earn one hundred twenty thousand dollars per year eight percent on the one million in real estate and four percent withdrawal on a million in index funds. Not Bad right. They have a good amount of assets and a good return rate especially on the real estate which allows them a healthy retirement income come lower assets and lower returns now. Let's look at Ben. Ensues financial setup one point five million dollars in assets all in index funds the index funds. Earn one point five percent dividends. Here's what Ben and Sue could earn retirement. If they didn't WANNA draw down their assets they would earn twenty two thousand five five hundred dollars per year. That's one point. Five percent on one point. Five million in index funds. If they did want to draw down their assets they would earn sixty thousand per year four percent percent withdrawal on the one point five million in index funds. Their assets are lower. And they don't have any that generate high return rates so their income is much lower than in the first example the low assets and low returns. Now let's look at what Bert and Sarah have available. Seven hundred fifty thousand dollars in assets all in index funds the index funds are in one point five percent in dividends. Here's what Bert and Sarah could earn an retirement. If they didn't want to draw down their assets they would earn eleven thousand two hundred fifty dollars per year one point five percent on seven hundred fifty K. and index sons if they did want to draw down their assets they would earn thirty thousand dollars per year four percent withdrawal on seven hundred fifty K.. In index funds fewer assets and lower returns equal lower retirement income low assets low returns and a side hustle. Now let's see how things change if you add in a side hustle so same example as the last one bird and Sarah have available seven hundred fifty thousand dollars. In assets assets all in index funds the index funds earn one point five percent in dividends. Only this time they also have a side Hustle that earns them twenty thousand dollars a year. Here's here's what Bert and Sarah could earn and retirement. If they didn't want to draw down their assets they would earn thirty one thousand two hundred fifty dollars per year one point five.

The Dos and Donts of Comparison Pages

The $100 MBA Show

09:45 min | 1 year ago

The Dos and Donts of Comparison Pages

"Support for today's show comes from fizzle. Let's be honest entrepreneurship can be lonely when you're working hard grinding away to make your business a reality it can get mentally eh emotionally draining passing yourself things like am I doing the right things is my product or business idea a good one does my website communicate the value I offer I wish somebody can look over it get the support you need when you're starting and growing your business with fizzle fizzle can help you earn a living doing something you love they do this with training tools coaching community and they're famous roadmap it's great how do I know well I've been a fiddler for over six years now join me and sins of other entrepreneurs Giddy free fourteen day trial and support the show by GonNa fizzle dot co Slash Omar again to get started with a fourteen in day free trial go F- is e. l. e. dot co slash oem a are compared the pages what are the do's and don'ts let's start with why are you creating these pages what's the purpose here many people miss the this point and this is where they go wrong the point of comparison pages are not to make you look like you're the market leader in your dominant and everybody sucks no because that just simply not true it's very hard to have that kind of binary relationship in the marketplace and it's just not believable what you're trying to do here these there's an pages is speak to your target audience you want to weed out the people that are not rifle you and you want to talk directly to those who are dr who are looking for your unique selling proposition and what you offer versus the competition it's so rare to find any product in any marketplace that's just head and shoulders with no doubt no brainer better than everybody else a lot of preference whether it's an iphone versus is an android phone whether it's a cadillac versus a Mercedes you might think you know Mercedes of course is better but I can find you somebody says the exact same thing about cats black so the plans that comparison pages here is not too bad mouth and to trash or competition it's the highlight your differences your unique selling proposition and that leads me to start with the don'ts and don't number one is do not bad mouth your competition there are so many comparison pages out there that do this there are downright Esi and I've come across some of them that can really get into some trouble I'm talking about making some claims that are not true and getting into some legal troubles some of them are very sneaky and they don't even state facts but they say questions like is this product reliable. I don't know the jury's still out that's suggesting that it's not reliable you know this is suggesting that your competition this other product is not a quality product that's not cool and I'll tell you why it doesn't work why you shouldn't do number one you should not ever do that to your competition because you've heard the saying be close to your friends but closer to your enemies while they're not your enemy sodas speak because they share the marketplace with you one day they may want to acquire you one day you may want to acquire them so drawing blood in this battle is not a good idea number two the reason why it doesn't work and it's just bad for your business is that I find it very offensive when I see a comparison page at totally trashes the competition and just as nasty and is making claims that they can't back up is a total turn off and I don't respect the company anymore I actually leave the website and say you know what if that's how they treat other people in their even their competition I'm not sure I want to do business with this company I'm not sure I wanNA give them my money there's something wrong with their culture the second don't is you don't highlight any positives about your competition a lot of people that just say we'd you all this and the competition does not do this the only highly of the things that they do that the competition doesn't do but they don't talk about the competition does do and the reason why this is a big don't is because it's just not believable it's just not believable when you have let's say a comparison char and your side of the Char has all these green check marks and they have all read exes when you're just highlighting things are going to give you a green check mark and the competition red x it can go both ways the competition can do the same thing and flip the script on you instead of being so binary be honest and give credit where credit's due for example with our software webinar initial comparison age with zoom we pray zoom for being a great meeting software and if you WANNA run meetings one on ones we actually recommend them that's their superstar breath but when it comes to one too many or few too many running a Webinar and you need marketing and registration pages in email marketing built in this is where we're better this is where you want to choose us the potential customers are GonNa see then say that's fair that makes sense and I trust this company more because they're being fair so highlighting any of the positives of your competition is a bad idea or don't is third party negative what I mean by that well maybe you won't say something negative your competition but if you insert something from a customer let's say a testimonial that says ah I love product X. I used to use this product and it was absolute crap even though it's a real testimony Lou even though it may be factual have some class don't do that to your competition I am sure you've had customers that had a bad experience in their opinion were you dropped the ball by mistake could've been customer service it could have been a glitch could have been didn't get their package on time something were customers are satisfied a happens to all of us the best of us how would you feel if that customer and their story of how things went wrong in your business was on your competitions website not cool last don't is tit for tat a lot of people say hey my competition is nasty they're bad mouthing left and right they're doing this and that they're saying untrue things I totally can relate to that but it doesn't mean that you have to stoop down to that level like Michelle Obama when they go low ugo hi you have a culture you have a standard and you will resonate with those that have the same standard and culture now the dues are obviously the opposite you want to be honest you want to be Fair WanNa show your unique selling proposition and without trashing your competition and a good way to kind of gauge if you're doing this right if you showed your comparison page to your competition to the CEO uh of that company do you think they would say this is absolutely horrible I'm suing you this is ridiculous or do you think they're going to say you know what that hurts but fair enough you're not saying something that I can disagree with so I want to give you some examples of some really good comparison just so you can see what I'm talking about the first example is web flow I talked about web flow in an earlier episode. This is a up and coming website builder website design type of tool and they have competition like square space and wordpress and shop affi- they're in a market that super crowded but if you check out their website or you can just Google web flow versus wordpress or web flow versus squarespace look at their page it's light hearted it's transparent it's honest this is on web flows comparison page for squarespace this on their site web flow site is saying this thus squarespace squarespace template approach makes it easy for anyone to have an manager website that's what they're saying about squarespace it it's true it's positive why would they put that on their site because what are they comparing it to the himselves what do they do that's different from squarespace they're not template based they allow you to customize anything and their designer friendly so if you're a designer and you like things to be a particular way you don't work in the confines of a template you're going to resonate with with Flo hey I like what full better because that's what I want cool templates are cool and everything but that's not for me good for you not for me and that's a great way to create a comparison page

Squarespace Mercedes Omar Google FLO One Day Fourteen Day Six Years
"esi" Discussed on Optimal Finance Daily

Optimal Finance Daily

02:25 min | 2 years ago

"esi" Discussed on Optimal Finance Daily

"He goes by ESI, and is a fifty something. Retiree now the site is well known in the personal finance world. So we are super excited to get his permission to read the content to you. And if you visit the site, he actually has a free e book on how to become financially independent that is worth checking out. We've got the site linked in this episode description, so with that let's hear our first post from yes. I and start optimizing your life. Become wealthy, by having a high income in a low cost city by ESI of ESI, money dot com. I've seen tons of articles over the years about the financial impact of where you live. I've even written some of them myself today, I'd like to tackle the issue of your home locations impact on your finances. The result can be pretty substantial. The different philosophies. There are many different philosophies on why people live where they live when it relates to finances. The two main ones are one live in an inexpensive place and save a ton of money and expenses. These people know that living in Davenport, Iowa is much cheaper than living in New York City. So they choose the former to keep costs as low as possible. To live in an expensive place because you can make more money here. These people assert and there is some data to back them up. Then more expensive cities, command, higher salaries, and thus you should live there to make more, by the way, I'm only addressing financial issues of living where you do. There are many non-financial reasons to live in a place such as to be close to family to be near certain recreational activities to provide a certain lifestyle for your family at cetera. I'm not addressing those in this piece. My thoughts. Here's my take on the issue one, it's not great to live in a low cost city and make a low salary to. It's not great to live in a high cost city and make more, but still be no better off. Whether you are better off or not is a subject of debate and three the big money is living in a low cost area and having a high salary it's here, you can make a fortune da. Tell us something we don't know, right? But that's impossible. That's where you're probably thinking right now. Why is this because there's an underlying assumption that you can. Earn a great salary in a lower cost of living area. This bias is even inherent in the philosophies. I just mentioned. But I'm here to tell you that's not the case you just need to follow the right steps how to make this happen. Here are the key steps to.

ESI New York City Iowa Davenport
All the rumors and leaks surrounding the 2019 iPad and iPad mini 5

iMore

02:45 min | 2 years ago

All the rumors and leaks surrounding the 2019 iPad and iPad mini 5

"About a new ipad mini coming out. And apple has pro in two sizes. They have the eleven inch and the twelve point nine inch. And they have a nine point seven inch ipad non-pro and the rumor is the ipad mini is also going to be a non-pro know, you'll have a nine point seven in Japan. Many non-pro nine point seven point nine and nine point seven non pros eleven and twelve point nine pros. And part of the reason that I had pro I think can get more expensive and more day. She's is that you have these other ipads that are getting slush expensive. So yes, it sucks. The ipad. Pro is. Seven hundred bucks now. But hey, look at how cheap the regular ipad is getting and I would love apple to do that with phones. So instead of people saying the the ten and the tennis and the tennis max so expensive go even lower than the tower. Have like have the have a ten are at the iphone e size and ten are that slightly bigger and have to separate phone lines one that you can let get expensive because the other one is is more budget friendly every time, right? Yeah. Yeah. Just kind of mixing it up. So that people have difference like financial categories have the option of going all in with the most expensive or choosing something that's more budget friendly. But still a great phone. I think the the reason I ended up switching over to ten last year. And now tennis this year. Instead of keeping the is that it's it's three years old. There's there's no denying the camera. If I yeah. If I didn't work in industry that I work in I would still be using an essay because that that would have that satisfies all of my needs. But because I have to kind of be on top of the most the most current kind of technological things. I switched over to ten because it was the most comfortable phone that apple had made since SE. So this, you know, six plus seven plus eight plus were not they were uncomfortable for me. I didn't like them and the the ten when I got it. I even thought, you know, try for a few months, but I'll probably switch back to ESI and fit in my hand better. It's still a little too big. But it certainly much closer to to the than any of the other ones in that that point I just needed to switch so Georgia, Christina Warren. He'll go, you know, what they're maxing. It really is a tiny. I used to hands. Don't you? Judge me. I don't use two hands. I use one hand. I just that's the way I do it. So for me, I totally respect that. Team nature and and community that sort of based around because I see people quite a bit actually talk about their love of those smaller screen devices.

Apple Tennis Japan Christina Warren Georgia Eleven Inch Three Years Seven Inch Nine Inch Two Hands One Hand
Stephen Miller, Nikki Fisk and Trump discussed on Mike Slater

Mike Slater

00:15 sec | 2 years ago

Stephen Miller, Nikki Fisk and Trump discussed on Mike Slater

"Search a former teacher of Trump aide. Stephen Miller has been suspended for she said in an interview with the Hollywood reporter, Nikki Fisk was Miller's third grade teacher twenty-five years ago. She told the paper Miller was a strange child who kept a mess. Esi

Stephen Miller Nikki Fisk Donald Trump ESI Reporter Hollywood Twenty-Five Years
"esi" Discussed on KFI AM 640

KFI AM 640

02:14 min | 3 years ago

"esi" Discussed on KFI AM 640

"The bedside of someone who is dying now do they start sharing after the moment of death or how does that how does that occur well they soomro things one that i hear all the time i mean i'm just get a more or less constant stream of enquiries from medical doctors who tell me that when they are trying to resuscitate somebody that they very often see something leave the body typically from a the upper part of the body and they described as like a golden or greyish light and i hear this all the time to from relatives or friends who were there that they say that as the person who's passing away dies that they see this light leave the body and and other people say that at the point where their relative dies that they feel that they themselves leave their own bodies and go partway toward the slight with their dying loved one or bystanders may say that suddenly the room as their loved one is dying just fills with this incredible light or people say very often that it's like the rump changes dimension that they are no longer in a three dimensional cubicle like the hospital room but the way typically people say this to me is that they say that they become aware that they are looking at the room from an impossible angle that they're in some other geometry and most phenomenally of all to me is people tell me that as their loved one died they were kind of involoved by this hologram of the person's life and for a long time this was only in close relatives and friends but not too long ago got a communication from a medical doctor who told me that he was called to the er to resuscitate a man that he had never laid eyes on but he said esi was resuscitating this guy that he was kinda fluff headed with images of this man so he picked it up around him so.

esi
"esi" Discussed on From Scratch

From Scratch

02:03 min | 3 years ago

"esi" Discussed on From Scratch

"The the i'm jessica harris this is from scratch my guess is se weingarten founder of the nail polish company esi essy is available in roughly twenty five thousand somalians and more than one hundred countries as he launched in 1980 one with ten thousand dollars and the company was bought by l'olreal in two thousand ten essy is from hollis hill queens welcome it's my pleasure to be here jessica before we get started i noticing that you are wearing some red nail polish can i see your hands for second would you call that kohler she's pampered when did that kohler come out probably about ten years ago but it's so apropos now since i am not working and i'm enjoying life and i feel very pampered when did you get them done yesterday is a matter of fact how did you come up with the name she's pampered it was from a collection where it was all about opulent and this was one of six colors and it always is about the theme so she's pampered just looked bright to me it was like a rosy red and it look like any woman could wear it when she stealing really special people who know the brand se a who use the nail polish they know you for your names as well as other attributes names range from wicked to fancy pants tomboy no more rockstar skinny and i feel like these neither just on the right side of naughty can you talk to us about we're at your thinking surrounding the names well i always wanted to ever personality so if the names had a personality women would remember them if its numbers it's so impersonal and it's like what number is it if they don't remember the whole name they remember something about the name and these are very funny story a woman met me angie settle oh my god you're esi i was missile on in this woman.

jessica harris founder esi essy l'olreal hollis hill kohler ten thousand dollars ten years
"esi" Discussed on Happy Hour

Happy Hour

01:42 min | 3 years ago

"esi" Discussed on Happy Hour

"Reliable source in saying that the iphone esi two or whatever it is called will switched to in allglass bat like the iphone eight emily from ten and um you know you can kinda take that and say why would they do that and you can imagine this it's too to do while as charging with those new iphones have um and and in the report the same guy says that his source separately says the new i from esi might support while as charging so i mean that's that's really interesting to me because i imagine the next iphone essy as being once again the same casing because it's the it's the is different five casing done again in this suggests that it will actually be something different even if it looks exactly the same but as a glass back that that a visual difference and so that could mean some different things can change as well yeah and today we haven't really seen pulse leaks or component leaks we just kind of seen enough speculation rumor that they will bear new xe this year yet us thus kind of the baseline on what we go at the moment so we're expecting an update away do not quite show how drastic obey or whether nina whether it be extolling design changes whether it be it internal component burst i still think that they should like dropped the foreign screen size and guys delightful point seven especially as late in the year the high end i fenzy can change these five point eight six point four you know that that remiss aiko like if you're going to change the high end upwards than it kinda makes sense to not leave the learned struggling around as well as we've talked about many times before s isn't redesigned for this more screens as it anymore so setting a new device at outsize fill.

iphone esi allglass nina s
"esi" Discussed on 860AM The Answer

860AM The Answer

02:20 min | 3 years ago

"esi" Discussed on 860AM The Answer

"This one to you iran okay in obam on obama national security council spokesperson his name is tommy via tour admits that obama made no progress regarding north korea this is a former obama in esi spokesperson and to you know do you think looking back now with everything that's going on with north korea if president obama had anything to change about his policies with north korea do you think he would change anything or what he has stayed course that's a good question i mean i think you can't look at the situation and say you you would have stayed the course right because we didn't achieve what we need to achieve which was to stop their nuclear program thing to an interview former senator bill perry did clinton sector and they had started michael late 90s early 2000s this diplomatic track with north korea that they felt like was on the precipice of getting some sort of breakthrough and then the bush administration because because the koreans were actually cheating ended up walking away from it thinking they should punish them and get back there and then you know we just never got to a place where um progress isn't it i mean this thing was always cranking along with we got sanctions could on them we tightened down a whole bunch of sanctions but that's a input it's not an what right like there was no nothing progressed in the way we wanted as a result of this action no kidding trent francs is a republican member of the house from arizona i think they do i don't think they realise how dangerous the situation is north korea has gone you know i've been on the on the strategic nuclear forces committee for fifteen years and there progress over those years has been really frightening but recently under bill club sorry under barack obama they tested nuclear warheads four times and they tested missiles eleven times so their capability has dramatically progressed and i will say to you that for them to be attacking this president is absolutely astonishing to me this president is doing what's necessary to make sure when he says locked and loaded i can suggest to you.

obama north korea senator bill perry bush administration the house arizona bill club president iran esi nuclear program clinton michael fifteen years
"esi" Discussed on That Awful Sound

That Awful Sound

01:31 min | 4 years ago

"esi" Discussed on That Awful Sound

"It did so to get just really quickly the reason you asked like why did they do this or how did they do this we don't make with the slow libertation thing so in the esi people who have listened to the soured earl episode will know that inada pursued dude is fly in our sir sharia dude is floating all around the city nor yeah no sorry that's that's allah that villa daughter whatever what's now that some that's that fucking like me for mere ono that's that's a it's a different excuse me i just i totally miss remembered this sour girl is the one where he's like shirtless ended yaser he's dieting yeah it's all gray of wishing i was nick g was the director of all these videos loses all eddie bad music videos directed by macy's we've done a lot of big g videos but now victoria has you know the this was a mic g video because they wouldn't be standing on the air they'd be standing on a giant stage with a fish lands or even the that wasn't necessarily his thing i was more like hip hop dancers and like big bright light bulbs on a stage you know you look at the corn video he directed the offspring video flight for white guy like he wanted to be hype williams yet by wasn't exactly in the white hype williams anyway there isn't an sdp video whoa what's that song called bella.

director macy victoria esi nick g eddie