19 Episode results for "Thirty Year"
2019 PEN America/Edward Bunker Prize in Fiction
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"Here's to the cheaters. Google you know. The rule benders the match-fixers. The imposters escape over to Putin. Can I grabbed the back and sweater. He looks like he's like what. A glass raised to the schemers, the scammers, the hoaxers pranksters, all the sudden comes shot. Running out into the jam is completely naked. With just his basketball shoes and socks on this trip ration- New podcast that each week deep dives into bold and beautiful attempts at deception in Sports, history with the people who tried to level the playing field to tilt the odds in their favor. Somebody up there spying on us. Send somebody up there and see what he's doing. dicky's got a camera. Honest conversations about dishonest acts. White powder in my hair and they were. Like led Zeppelin t-shirt third class is, and I gave signals to make coaches from the left fuel bleed truce, the manager in disguise the thirty year old, forging a birth certificate to play high school basketball, the fishermen with a tail too good to be true. But the Gut Punch came when they called and said officials under investigation, and then he hangs up the phone. Stories from athletes. Who broke the rules? And are ready to talk about it. Listen and follow trickery on the iheartradio. APP, apple podcasts or wherever you listen to podcasts.
"Here's to the cheaters. Google, you know the rule benders the match-fixers. The imposters escape over to Putin can I grabbed the back and sweater. Looks like he's like what? A glass raised to the schemers, the scammers, the hoaxers pranksters all the sudden comes shot. Running out into the jam is completely naked. With just his basketball shoes and socks on this trip ration- New podcast that each week deep dives into bold and beautiful attempts at deception in Sports, history with the people who tried to level the playing field to tilt the odds in their favor. Somebody up there spying on US send somebody up there and see what he's doing. dicky's got a camera. Honest conversations about dishonest acts. White powder in my hair and they were. Like led Zeppelin t-shirt, third class and I gave signals to make coaches from the left fuel bleed truce the manager in disguise the thirty year old, forging a birth certificate to play high school basketball, the fishermen with a tail too good to be true. But the Gut Punch came when they called and said officials under investigation, and then he hangs up the phone. Stories, from athletes who broke the rules? And are ready to talk about it. Listen and follow trickery on the iheartradio APP, apple podcasts or wherever you listen to podcasts.
"Everyone name's Josh. And I'm dillon. Hi everyone together we are the host of Scaffold. Skylines entrepreneurial podcast. We're podcast about successful entrepreneurs across all spaces initiatives we sit down to chat with those who have walked the talk and paid their own pass turning ideas into realities. We're going to be discussing the exact how to approach these by guest to provide our listeners and that guide for their own entrepreneur desires. Exactly what Josh said. Do you WANNA know how. They made their dreams. Come true and start really living well. So do we josh and I were to thirty year old guys. We have somewhat basic nine to five college military professional backgrounds. We've managed this by being okay with being normal which served our twenty just fine. We're ready to take the plunge input are better years towards bettering ourselves. Our pockets and everyone around us as scuffle. Scholar has a podcast. Unlike any other if I of this kind and all you need to all you need to help yourself start living a life. You have always wanted for yourself. The world of entrepeneurship like our content truly knows no bounds and competition can expect. We'll be a step-by-step gold on how to our guests entrepreneurship in Bitcoin. Investing growing influential fitness man or even e commerce business. That took off the things. You can't Google in the age of information we're going to be covering this on all platforms all social media. Where already on twitter? We're on instagram. We've gotTA facebook page. Go like a stay in tune stay updated if you need to go to the website subscribe to the mailing list. Maybe that's maybe you're in your inbox than you're on your social media. These are all going to be your direct ways to get to us and the new episodes go. Don't do this right after episode Zero Zero Zero N so until the look for tour next episodes are GONNA be coming out every Monday Wednesday and Friday later and stay hungry.
Monitor Show 13:00 06-20-2020 13:00
"Hi. This is Jay. Farner CEO rocket mortgage. Making the right financial decisions has never been more important. We can help guide you to those right decisions now when they matter most mortgage rates are near historic lows so when you call eight three three eight rocket, or visit us at rocket mortgage dot, com, to start your refinance. You'll be well on your way to saving money every month. The rate today on our thirty year fixed rate mortgage is three point three seven five percents Apr. three point five nine percent right now could be a great time for you to take some positive financial steps forward with a cash out, refinance. Refinance from rocket mortgage which could give you the boost that you're looking for. In addition, we may be able to help you refinance with little or no out of pocket costs at rocket mortgage were committed to every client every time, no exceptions, no excuses giving you the best mortgage experience. Call us today at eight, three, three eight rocket, or go to rocketmortgage DOT COM to learn more rates subject to change one point eight seven five percents, discount, rate, cost, information and conditions equal housing lender licensed in all fifty states number, thirty thirty prophets who book taken away Judge Today is rolling. The book can't stop from being tortured. Important First Amendment Victory President Trump is heading to Oklahoma for his first campaign event and month with Telstra's mayor and governor own board from the start in a lawsuit by locals dismissed. It seems to be full speed ahead for the president's first post covid nineteen pandemic rally in line for days, devoted supporters not worried about the statewide spike, and the prospect of being crammed together in the arena. Most not wearing masks won't be front row, front and center. I have absolutely no concern whatsoever with just doesn't concern me. All the president is expected.
412: Words Were Changing
"I'm Tracy K Smith. And this is the down. There are so many times lately where I find myself surprised by gratitude. Like Monday when from my bedroom in the back of the House I heard a loud booming thud. It was a sound so deep and resounding. It could only have signalled disaster. As, a mountain had been blasted to rubble. Amir, mile away. I heard the sound and I felt it, too. I believe my house leapt a little as if in fright. When I went up front to check on what had happened I saw that a thirty year old pine tree had been toppled by wind in my front yard. and must have been fifty or more feet, tall, and now the thickest heaviest part of it spanned my driveway across my yard and out into the street. The tree had miraculously fallen away from our house in the opposite direction to which it had previously been listing. When it fell, it had lopped off several branches of another young tree. My daughter had rigged up with rope and plank for sitting in. The fallen tree had landed in exactly the spot, where until an hour earlier, my own car had been parked. And the only reason I thought to move my car was because I'd been overtaken by the whim to run and unnecessary errand. Taking in all of this evidence of providential luck, my heart and head and body thronged with the words, thank you, thank you to God and the tree and the winds and the particular laws of gravity and the bike shop that had texted me that afternoon, and not a day earlier to go pick up the child's bicycle. That would be waiting for me outside the store. Thank you to atticus for finishing his math early. Thank you to the weekly Zoom meeting? That meant I was safely at my desk when the boom occurred. Thank you to video games and rain which had kept my children indoors? Thanks for the chance to feel not put upon or bird, and but actively an expertly cared for. Today's poem is. Leads were changing. By Miller Obermann. Thanked for kindness I said. You're welcome and welcome spun back to what it meant before. Welcome come in in accord with my will. Come into warmth. You are wanted were waited for. Welcome to these arms spread out exposing the bearers heart. You are well come, it is well. You have come for me. And if night swallows us, it will be well. We will be welcome. The Gates swing wide. The bridge ARC's tenderly up over the river I laid. A path pruned trees for your body to pass through. My bread, your bread, my rafters, yours timber above our heads or to float on. I fell asleep by the fire near a bag of barley, sweet smoke, and the kettles belly rounded iron forged on a day. No sharpness cut the mind of its maker. There were other days for sharpness edges. It is important to know the difference of days, and this was not one. The slowdown is a production of. Public. In partnership with the poetry, Foundation. New.
Episode 199: Thriving on chaos: how to keep your business on top during uncertain times?
"The broadcast cash from the chicken wing capital of the World Buffalo New York. You're listening to the marketing above. All podcast your source for all things well marketing and total world domination. This is marketing above all. And this is your host Michael. Hey there in welcome to episode one hundred Ninety Nine Taste. Topic is all about thriving. When things are chaotic. All around you and I think that my answer my thoughts. My insights may surprise. You may teach you rate in the gut. I'm really not sure but at the end of the day my whole point of doing this show is to help make sure that you stay in business like I need to make sure that you're taking care of your family's taking care of your employees. You're taking care of and I would be doing myself and insane disservice if I didn't give you things straight if I didn't give you actionable. Pieces of information incontinent. How can you survive all this insanity now? Some people are asking. Well Michael. What do you think is going to happen and I can give you two different answers? The first one is the honest when I I really don't know things are definitely opening up. But they're opening up at a slower pace than I expected. But on the flip side I will tell you that I'm really worried that all of this stuff is going to send us into a recession of insurmountable proportion so I need you to be ready. So what do you do? How do you react? How do you change your marketing? You Change Your Business to close your business. Would you do so the first unfortunate answer is it really depends kind of business by business and industry by Industry but across everything? The biggest suggestion that I can give you is that I need to see you pivoting. I need to see you pivoting with how you doing your marketing which we'll talk about. I need you to be pivoting. How your branding? How you're answering the phone. I need you to be pivoting. Your service offerings. Unless you're in something that just fits perfectly with where things are today which should be cleaning businesses for example. But even though is you're gonNA have to pivot your branding and your messaging like you need to make a huge shift in a huge pivot today like now and if you don't I am so worried so so worried that you're going to be left in the dust. One of the things that I'm studying at this very moment in time for the reasons that businesses go out of business so on my bucket list last year. It's actually been on. My bucket list for several years has been to get my masters and I decided last year when I was looking at my goals for the year and my bucket list and realize that several things on that list have not gotten touched that I would start to take action and that was one of those that I decided to take action so I'm writing my dissertation paper and it literally as on the reasons that small businesses local businesses go out of business and there have been two key findings in its tickets step back. It's not always just cash. I mean cash. Obviously a huge reason but I wanted to look at what led up to that what pushed things over the edge and again there were two things number one there were unplanned events of sizeable impact. Divorce Economy Cova Business partners stealing money laundering money like insane situations and every one of those businesses. Push things over the edge. Something that was not planned that they couldn't whether the storm on the second is marketing. Now when I was interviewing these business owners they didn't. I had to prompt them so they didn't feel that they went out of business because of their lack of marketing but as we started to peel back the layers of the onion. We realized that had they done more effective marketing. That would have given them a fighting chance. That would have most likely have brought in more customers. Brought in more cash than would have allowed them some more time to kind of figure things out so if I'm looking at the first reason of some kind of unplanned unexpected event that we're living through at this very moment in time so if you just expect or hope that everything is go back to normal the next couple of months. I really believe that. That's wishful thinking. I hate to say it but I'm a bit more of a realist. So start to look at Your Business. And what can you start to pivot? What other service offering? What other product can you offer? That can start to drive some more cash flow. Is there something that you need to add distilleries? Instead of producing this vodka switched over to hand. Sanitizer clothing retailers are not producing new closed. They're producing personal protection gear. And what are some things that can drive you cash at this very moment in time to the first piece of advice piece of information that you need to pivot something in terms of your product to Your Service? I want you to add. Something changed up and I've been seeing a lot of businesses doing that very rapidly. I just look at the businesses locally restaurants shifting to take out but not even just take out restaurants shifting to do it yourself for a fun activity Jill Yourself. Pizza CATS DUNKIN DONUTS. Has the do it yourself? Donut kits for example. Doing things that you've never offered before but something that you know your prospects or customers are going to either enjoy or resonate with look at if you're in the service business. The home service business just the whole process of quoting things. How much more can you do via zoom via facetime so that you can start to get those orders and deposits and things like that on the book so first thing? Is You need to do a hard pivot hard turn immediately now. The second piece that goes along with that is you need to change up the way that you are marketing. You need a change up how. Your brand is being perceived. You need to change up the emails. You're setting the social media content doing the type of videos you're doing because a lot of local businesses are they're still putting out generic content. I need you to meet your prospects where they are now. You need to acknowledge the situation. You need to let them know what you're doing. How are you going to further? Help them what are you doing to make sure that they're staying safe? That your team is staying safe. How can you help restore their confidence? There's a lot of businesses that have really long warranties and things like that while how can you restore the confidence of their word? You're going to go out of business. There's all these pool companies that have thirty year guarantees and things like that will if your businesses closed here thirty year guarantee was worth the sheet of paper that was written on. So how can you restore confidence to make sure that your customers are starting to return back to business returning to your business and not necessarily business as usual but we've got to get them investing more money with you gotta get them spending more money with you and your business so look at how you can have a hard pivot and your business and start to execute that now sooner than later and the second thing is I really encourage you to re look at how your marketing how you're showing up and make sure that it's relevant for the Times today? My first book that I wrote was called marketing in the moment. That is exactly what you need to be focused on right now Michael TAZAR signing off. Good morning good afternoon and good night. Thank you for listening to this episode of marketing. Above all get out there make a change and take some action and hey don't forget to leave a five star review and tell all your friends. This is the greatest marketing podcast ever ever. If we look forward to seeing you here tomorrow.
The Porn Reboot Podcast Episode 179: Why You Hate Yourself
"Welcome to the porn reroute podcast where you get practical tips gaining control over your phone or sex addiction I'm your host Jay Amazing. Certified Sex, and porn addiction recovery coach. Welcome to the episode. Today. I'm going to talk about a couple of reasons why you load or hate yourself over my years of coaching I've come in contact with a lot of men who do today shame that feeling of being abandoned unworthy person have ended up hating a disliking themselves and often this is not something bad. We experience consciously they are men who? Consciously. Hate themselves and they say that but the vast majority of men especially men who need to function in life who needs to take care of their family provide for their family who need to excel at the careers. It's a very difficult thing verbalize. But a lot of men who have struggled with this behavior for a very long time trying to quit and who haven't been able to. Do not like themselves and today I'm going to explain to you from my professional observation. Why you hate yourself and I want you to be aware that a lot of with the reasons that I'm going to explain to you a things which you exhibit. subconsciously, right. So which each one I share, take a moment and think about it and think about how True. That sounds to you because it might not be apparent when I shared with you. Let's dive into them. The first one is. One of the reasons why you hate yourself and you stay hitting yourself is because. You found that it's actually easier to predict things in your life and what I mean by that is you already know that as you go through life, people are going to disagree with things you have to say people are going to dislike you dislike your opinions or people are going to reject you. This is a part of life. However. You found that when you? Eight yourself. It's easier to predict people liking you and people rejecting here because it's just so easy to justify. So subconsciously, you can just tell yourself well, you know I already don't like myself. So when somebody doesn't like me all rejects me that's not a big deal because of course, they would I don't even like myself. That way you never disappoint yourself see it's a hit that we take emotionally when somebody rejects us and for the most part and. It's just so much easier. You know you're gonNA feel that way but you don't WanNa. Feel it's like you know what? If somebody splashes, water on me, and I'm already wet well, that doesn't make a difference. So I'm just going to choose to walk around being wets and soaked all day because whatever right? It's much more challenging to handle it when you're walking around us fully dry and somebody splashes water on you. That's the first reason that I've noticed and I'd like you to actually take a moment and think about that like. Do I, keep paying myself because it's actually easier. For me to predict negative things happening. The. Second one is a strange one but many of us are guilty of it and I used to be guilty of it when I was an addict and that is that once in a while. I would get attention from others like once in awhile who cared about, me would actually tell me how great a guy was like oh no, don't say that don't say that don't act like you don't like yourself like you're a great person like these all the wonderful things about you. And that that's that doesn't last long because they realized that you know you're just acting that way all throwing a pity party to get their attention it's sad but it's true and even men you might be doing it in your life right now you might once in a while do that so that you'd get some attention from your wife even as an adult get attention from your parents from your therapists. Those people telling you no no, you're not. You're not like that you're you're you're a great person. See The reason why? You would keep doing that when you dislike yourself is because on the opposite end of the spectrum. People who love themselves care for themselves and who have high self esteem don't even seek validation from anyone. They don't care if somebody tells them that the great or they're not it just it doesn't matter because on the other end the you know it. But in my case, for instance, when I was isolated when I was alone when I was hating myself when I was an addict, it was nice to get this attention right? It was just it was really affirming to get it and back then for me was really affirming when a pretty woman would do it see. I had no hope back then of even being in a relationship getting laid. So if I was friends in the friend zone with a woman who was had even a little bit of attraction or I had some attractions who fell she an attractive woman, I would find myself inadvertently just doing something to get that attention telling some SOB story about something unfortunate would happen in my life so that this beautiful woman would give me some sort of attention and I want to ask yourself that to have been guilty of doing that right now or at some point in your life. Because you don't like yourself. Now. Again, you might think well I do that but it's not because I don't like myself but think about it. If you let yourself, you wouldn't do that in the first place. The third reason is because it keeps you risk free. And what I mean by that is when you don't like yourself. subconsciously, you set the bar really low for yourself. Right? You become lazy. You don't take action you're not hard working. You have no work ethic and it's easy to do that because. That way you don't have to disappoint anybody. In fact when you try to change when you dislike yourself, this is one of the major. That you're going to have to overcome why because you suddenly realize like Oh my God I don't like myself. That's why upset the Barlow but if I'm to achieve anything that means I would have to actually make the efforts to like myself and if I stopped trying to like myself but I ended up disappointing myself as I try to get better this appointing myself is really gonNA hurt and I'm already disappointed with my life so it's better than just don't take any risks that way I don't disappoint myself that way I'm not reminded of what a fuck up I am. Do, you do that in your life. That's the third one. The fourth one is actually a belief that I've noticed very prevalent among men who have been struggling with this behavior for a long time, and that is the belief that you picked up whether it's from your religion. Your parents from your society that pride is not good. Right and pride is an evil thing. Pride goes before a what. Before a fall right. So if I dislike myself, then there's no way I can develop pride. You have made no efforts to differentiate between pride. And self confidence or even pride and self esteem. So it's easier for you to bundle up. Anything that has to do with you. Feeling good about yourself a good about something you've accomplished and putting all those things in the basket of pride. Right that's what prideful people do. And so it's easy to just keep disliking yourself because when you don't like yourself, you don't need to develop pride. And I'M GONNA. Take an extra step and speak directly to some of my Christian brothers out there. Now, I'm not a Christian myself on my approach is not a religious approach but I was baptized as a Christian Catholic specifically and I grew up that way until I decided to find my own path. However. One of the things I've noticed with men, some men, of course who were raised with a concept of sin is that some of them came to understand that in a very unhealthy way. And they have this belief that they are centers, they are unclean. I've met men who have this belief and they understand it quite clearly from a biblical perspective have self-esteem. But I've met other men who ended up developing some form of self hates who actually internalized that and use that as an excuse to stay the way they are after all I was born with sin I'm a simple person that's who I am. And they never dig deep enough to realize this simply using that as an excuse if you are one of those gentlemen. I highly recommend that you take a moment to examine that. The next reason is that it's actually been normalized in your life. You grew up in a family where people dislike themselves and you didn't even know it right you had no idea that sets and behaviors or the lifestyle of your family was actually that way because it was a family AF- individuals who did not like themselves, you maybe had a father. Or a mother who exhibited one of the previous reasons that I told you maybe a father lived this way because it was easier for him to predict things. So he he didn't WANNA be disappointed. Maybe you even had a mentor in your family somebody in your family who told you not to reach too high because you would only end up disappointing yourself. Is it possible that somebody in your family doing your formative years. Had projected that hate of themselves on you. That's a very deep topic that we definitely can't cover in this episode but the surface I do believe you get what I'm talking about. Often when you have grown up in a family where it is normal to. Dislike Yourself. You end up rolling and hanging out in circles which friends and acquaintances who don't like themselves either. So it becomes easy subconscious level to justify this because you literally tell yourself that if I loved myself if I cared for myself, I would not fit in and this is very true because in my experience when I didn't like myself and I actually found myself around people who actually likes themselves and who had great self esteem I felt very uncomfortable. I felt that they were. I was like man these guys that's positive. These guys a fool of like motivation they must beyond something they must be on adderall. Positive they must be hiding something and I would keep justifying ooh, he seems so happy but I bet his wife is cheating on him. Oh, he seems so happy but I bet he he's actually bankrupt and he's just you know flexing his nice car. Oh, it seems so happy but I bet he's depressed guy I bet he's addicted to porn to I would keep telling myself these things because The truth was like I felt that I could not fin though circles I just didn't understand how people could be happy could be successful could be fit, could have all their shit together. I always had this suspicion that something had to be wrong and that was how I justified my staying with my circle of people didn't like themselves and a final reason why you hate yourself brother is because It is sometimes great way to justify a lack of self care. It's a great leads to justify not going to the gym not taking care of your mind not even grooming yourself addressing up well. I've seen a lot of guys who've said Oh. I have problems dating women, and of course, they'll say a lot of things which show that they already hate themselves but they'll top it off with this. I'll be like well, you know what man you know you say you have all these problems on you've been working so hard. What did you share a picture of yourself me and it'll be a picture of this thirty year old dude just. Like a five year old boy right you know wearing shorts with the tennis socks pulled up and some old. Crinsley. T shirt hasn't gotten a haircut scruff on his face and I'm like Bro like you're a grown man look at how you dress and it just doesn't make sense to him because there's no point in interesting off. There's no point in going to the gym taking care of himself beyond brushing his teeth and taking a shower because. Why bother to take care of yourself when all these other things. Are Going to happen when you're not gonNA take any risks when that could lead to pride when you're a sinner when you can get attention without doing that like I get pretty girls by by bitching about myself right when it's easier to predict things and when you actually take care of yourself and you look good, you may not know this but your subconsciously afraid of the fact that perhaps people. Who Care, for themselves will be attracted to, you would be interested in you would treat you. Well, we'll talk to you. That it would help you get better opportunities and all the things that would force you to come face to face with your self loathing. So those are just a couple of things that I thought about and I went through this afternoon I wanted to share them with you and if you identify with any of them, I think that's a great place to stop processing the way you actually feel about yourself. I'm Jay Yoga indestructible. Thank you so much for taking the time to listen to this episode of the Porn Rude. PODCAST. I'll speak to you in a couple of days.
The Aging Brain: What Does it Mean for You and Your Family? - Advisor Podcast
"Welcome to the cia bc rapid wealth management advisor podcast a good financial planner helps clients make wise decisions with their money regardless of their stage of life of course a plan is advice will vary with declines age for example a client in their twenties and likely a forward to engage in higher risk scenarios many clients in their seventies who is probably looking for more conservative approach to wealth management but what if a client starts making bad decisions say they're exhibiting signs of advanced dementia or alzheimer's disease wins should a financial planner step in and what role should they play in protecting their clients assets if any learn more we spoke with kate grand again chief executive officer at life care advocates with more than twenty years of experience of geriatric social worker she believes financial planners need to understand the president's mental capacity before becoming involved generally speaking capacities be ability the understand and appreciate the nature and consequences are making a decision okay hurting my personal life i in that back in their house there where they love what they do what they spend but it's really any ability to understand and appreciate the the pros and cons of making a decision and you know make that decision weighing all of those so what if that decisions seems to not be in the client's best interests where is the line between someone making a conscious choice in in their decision we shouldn't acquaint sound lines decision we don't agree was or you know felons decision a you know in are estimation seems like poor judgment we we can't acquaint wes no incapacity lose the doctor financial sort of terms of families that have mom or dad he's in a you know who has been widow dad you know has full control dollars finance is mom's been gone six months and all of a sudden dad's got this you know thirty year younger girlfriend it is spending guttural amount of time and money and then you know loan hold a year later goes and says you know what were getting married on signing everything off to her nostalgia autumn medically mean he doesn't have the capacity that's uncomfortable that's out of character not out of character 'cause he married a mom for sixty years but she's gone now got a different perspective so you know would you pause as a financial planner and evaluate what you have some checks and balances probably but we've seen that a car when when abscond has held off that again his rights maybe making these choices maybe this is a person taking advantage of them he has the right to choose determining a clearance motivations in the mental capacity is really easy but there are some red flags to watch out for the rest of the fines where someone baby declining their status cognitive status other cities and question their ability to make those decisions things that are very common that anybody you know it's talked about pretty regularly now when you talk about alzheimer's dementia things like an apparent memory loss repeating the same sentence asking the same questions and confusion first timer place really not knowing what's going on so definitely you know a you know not having the capacity to know you know even mixing off my daughter for a sister or they're not oriented to current time in place of course these red flags are often difficult to see or the person may just be good hardy and the other thing is kinda start subtly an a lot of people where it's a when you know confronted with the question mom you know it's me i'm not you're sister on her daughter so people hide that they become embarrassed day you know they sort of backtracking oh of course is just you know that certainly ended but those kinds of sort of beginning science 'em are or something they know things like unpaid bills or double pay bills or someone who i've had people call and say my mom was the most you know incredible bookkeeper she ran a company she ceo and she is now completely i found out you know she's not paying any bills just completely messed up her attacker town you know things are she hasn't paid her taxes in two there's there's some some changes behavior you know that is indicative of something going on in that is a good red flag to note is changing what was often you know a very historical strang financial planners have take a lot into consideration when situations like this occur but in terms of wins someone needs to step in it typically depends on the amount of risk involved and it comes down to what we we started this measure as capacities russia's rats there's a number of factors that someone would be looking at you know is this a pretty minor decision you know i wanna allocate funds to this account versus this account wanna know living this environment on you know if the risk is relatively low another step people look is you know who is going to adjust to that somebody can express their atonomy without being in inevitably evaluated for capacity which is you know demoralizing in embarrassing in often causes huge complex within seemingly systems and and others you know the risk is relatively low then being needs for you know the level of understanding of state can also be a little bit lower the threshold when the risk is considerably higher end at a level of the fast and evaluation if i see any they should be higher perhaps the best thing a planner can do is to be proactive in create a plan before there is a problem when the planning still has spoke about all things considered when people are proactive you have you know the documents in place for powers of attorney little powers of attorney healthcare proxy you've had extended conversations with those perfect those professional how the lord and nowadays i will tell you we see more and more extensive and creative documentation around people's wishes that go harvey on just appointing someone that's why i think having some pre planning or pre discussion families and individuals to say you know at what point would it be okay for me to check in with your daughter or you sound like something's off sometimes we can just get under the weather in it might not quite herself would it be okay if i checked in with their daughter in that case or at what trying it out for more information about cognitive decline in financial planning check out the latest edition of the adviser at crime and wealth dot u s c i b c dot com cnbc private wealth management include cnbc national
1205: [Part 1] Safe Withdrawal Rate for Early Retirees by The Mad Fientist on 4% Rule for Spending Money in Retirement
"The 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 the 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 all right, 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 1205 safe withdrawal rate for early retirees part one by the mad scientist of mad scientist dot. Com and I'm Dan. I am your host and this is where I read to you from some of the best blogs on personal finance I'm here every single day doing that including weekends and holidays, and this isn't the only show in our podcast network. We've actually got five shows where you got the same format going, but covering different topics, so if you'd like search for optimal living daily wherever you're hearing this show to find all five of our podcasts, but for now let's get right to it as we continue optimizing your life. SAFE withdrawal rate for early retirees part one by the mad scientist of MAD SCIENTISTS DOT COM. As the mad scientist I take it upon myself to analyze common financial advice to determine how it applies to those of us retiring very early in life, since our financial lives are drastically different from the normal work until sixty five employee, most mainstream isn't relevant, so I'm left to investigate the data myself and for my own conclusions for example when I showed that a traditional IRA is better than a roth for early retirees, and that a health savings account should actually be used as an additional retirement account today I'm. I'm going to tackle the safe withdrawal rate. SWR and it's my hope that this post becomes the definitive guide to the SWR for early retirees. Most of the conclusions in this article are based on the great research that Michael Kisses. One of the Internet's most respected retirement planners has done on this topic. I've cited the source material so I highly encourage you to read through the articles that I linked to because they're packed with additional information that can help you feel even more confident about the conclusions of this post. What is the safe withdrawal rate. Before we dive into the really good stuff a bit background. The safe withdrawal rate is simply the rate that you can withdraw from your portfolio every year. That ensures you have a high probability of never running out of money. The SWR of four percent per year inflation adjusted is the rate that Trinity Study Researchers recommended for thirty year retirement, and it's three. You most often see quoted. Why it safe very safe. Many people like to challenge the safe withdrawal rate and warned that this time is different, and if you start withdrawing four percent from your portfolio every year, you'll be forced to eat cat food before you know it. Fear cells much better than math and reason so ignore the fearmongering and instead continue listening. disclaimer it must be said that although this article will show that the SWR is safe, past performance cannot guarantee future outcomes, so if you're looking for certainty, you won't find it here. Nothing in life is though except for death, and well, that's it. Some people say there's also certainty taxes, but since you're mad, scientist reader, you know that's not the case and disclaimer. Kisses highlights some impressive stats to show. How Safety Swr actually is quote. The safe withdrawal rate actually has a ninety six percent probability of leaving more than one hundred percent of the original starting principal and quote quote, in fact, even when starting with a four percent initial withdrawal rate less than ten percent of the time as retiree ever finished with less than the starting principal, and it has only happened four times in the modern era of. Of markets for retirees who started a thirty year retirement time horizon in nineteen, twenty, nine, nineteen, thirty, seven, nineteen, sixty, five, and nineteen, sixty six and quote quote over two thirds of the time the retiree finishes the Thirty Year Time Horizon, still having more than double their starting principal, the median wealth, the end on top of the four percent rule with inflation adjusted spending is almost two point eight times the starting principal in other words it's. More likely that retirees will have opportunities to ratchet their spending higher than a four percent rule than ever need to spend that conservatively in the first place and quote. But this time is different. That's great to save. Withdrawal rate worked so well in the past, but surely now with the great recession recent flash crashes, etc. This time is different. It's not I know it seems like the financial world has been crazy over the last decade, but recent retirees actually aren't too bad. In his post, how has the four percents rule held up since the tech bubble and the two thousand eight financial crisis kisses explained that quote, the two thousand eight retiree, even having started with the global financial crisis out of the gate is already doing far better than any of the worst historical scenarios in other words while the tech crash, and especially the global financial crisis were scary. They still haven't been the kind of scenarios that spell outright doom for the four percent, rule and quote. So, what would the future to look like for the four percent rule to fail for recent retirees? Quote it would only be appropriate to assume a safe withdrawal rate lower than the historical four percent to four point five percent rate. If you believe that equities will fail to deliver even a one percent real return over the next fifteen years, implying given current dividend and inflation levels that the S. and P., five hundred price level will be lower in twenty twenty seven than it was in two thousand seven, which would also be lower than it was in two thousand, resulting in no appreciation for twenty seven years and quote. Do, you think the stock market will remain flat for twenty seven years, our companies no longer innovating enough to eke out some growth in nearly three decades unlikely. So why aren't these scary crashes and recessions spelling the end of the safe withdrawal rate. To answer that, we have to investigate how a portfolio actually gets depleted too quickly. Sequence of return risk. When you consider that the average real market return seven percent. You would think that withdrawing four percent every year would never deplete a portfolio because the growth would more than cover your inflation-adjusted spending. Seven percent minus four percent equals three percent portfolio growth every year. It's actually not the average that matters though rather it's when the ups and downs happened that determine how likely your portfolio will survive longer kisses gives the following easy to understand example. Quote imagine a retiree with a million dollars who needs to take a big five hundred thousand dollar withdrawal at the end of the first year with the good sequence, the portfolio grows one hundred percent from one million to two million easily funds, the five hundred thousand dollar withdrawal, and after the fifty percent drop in year, two finishes with seven hundred thousand by contrast with the bad sequence, the portfolio falls fifty percent to five hundred thousand, the five hundred thousand dollars withdrawal completely depletes the portfolio down to zero and the subsequent one hundred percent return is now irrelevant, because you can't compound an account balance of zero end quote. As, you can see it's the sequence of returns that matter as he states quote once cash outflows are occurring. It's not enough for returns to average out in the long run if the portfolio could be completely depleted before the good returns finally show up and quote, so you need to survive the first part of retirement, so that the inevitable games that occur are meaningful enough to your portfolio to offset the down years. First Decade matters most. In kisses research he analyzed the historical data to see what metrics actually matter when it comes to the WR and portfolio longevity. Here's what he found one year return quote, overall the correlation between the safe withdrawal rate and the first years return is a mere zero point two one and quote. A correlation of zero point two one is so low if the markets crash right after you retire, don't freak out. There's very low correlation between your first years. Return and the success of the SWR. Ten year nominal return. Quote the correlation between the safe withdrawal rate and the ten year return is zero point four four and quote the ten year returns correlation has also low, but that's because the nominal return doesn't factor in inflation. If the market returns seven percent, but everything you buy gets ten percent more expensive. It's easy to see how the nominal return on its own can't be a good predictor of portfolio longevity. Thirty year real return. Quote on a thirty year real return basis, there is a solid zero point four three correlation to the safe withdrawal rate, which actually means thirty year. Real returns are just as predictive as ten year nominal and quote. This one really surprised me. You'd think that. After factoring in inflation and looking at the thirty year returns, you'd be able to easily predictive withdrawal rate would have been successful, but it's not because the thirty year returns don't have enough information about the sequence of returns. Ten year real return. Quote when the time horizon is consolidated to view just the first ten years, and is evaluated on a real return basis, the correlation spikes to a whopping zero point seven, nine with clear predictive trend and quote. Bingo as. Kisses describes, quote it turns out. Ten years is really the sweet spot for sequence of returns risk. A bad decade at the start of retirement is more predictive than one year returns, and has also more predictive than thirty year returns and quote. Therefore, if your first decade of retirement goes smoothly, you'll likely end up with a lot of money leftover when you die, or you can increase your spending during retirement. If your first decade isn't great, and you deplete a big chunk of your portfolio early on, you may be in trouble. To be continued. You just listen to part one of the post titled Safe Withdrawal Rate For early retirees by the mad scientist of mad scientists DOT COM. And a real quick thanks to anchor for hosting this podcast anchor is the easiest way to make a podcast. They'll distribute 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 gives 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. And I'M GONNA. Finish the rest of his post for you tomorrow. That's going to do it for today. Hope you have a great rest of your day and are having a great weekend. If you're listening in real time and I'll see you back here tomorrow for the Sunday show where your optimal life awaits.
CBS3 News PM News Update 10072020
"I'm just Talia here today's CBS three eyewitness news headlines. They West Philadelphia new is shaken after a beloved member of their community is shot in broad daylight and now police are searching for a suspect. Thankfully, the elderly victim is going to be okay a serious accident involving a school bus at an ambulance shutdown I ninety five Delaware county causing relax during the morning rush police an ambulance struck the rear of the bus as both were getting onto the highway there. Were No. Students on the bus for people were injured. A woman is now charged in connection with July thirtieth fire at Chester County apartment complex thirty year old Tony. Kirk is charged with two counts of causing or risking a catastrophe as well as related charges. First, responders say they traced the fire back to Kirk third floor apartment I'm just ca-car tally for the latest on these stories and more checkout CBS Philly. We'll see you later tonight on I, witness news.
Monitor Show 04:00 06-28-2020 04:00
"Hi this is Jay. Farner CEO rocket mortgage. Making the right financial decisions has never been more important. We can help guide you to those right decisions now when they matter most mortgage rates are near historic lows so when you call eight three three eight rocket, or visit us at rocket mortgage dot com to start your refinance. You'll be well on your way to saving money every month. The rate today on our thirty year fixed rate mortgage is three point three seven five percents APR three point five nine percent right now could be a great time for you. You to take some positive financial steps forward with a cash out, refinance from rocket mortgage, which could give you the boost that you're looking for. In addition, we may be able to help you refinance with little or no out of pocket costs at rocket mortgage were committed to every client every time, no exceptions, no excuses giving you the best mortgage experience. Call us today at eight, three, three eight rocket, or go to rocketmortgage DOT COM to learn more rates subject to change one point eight seven five percents discounted rate, cost, information and conditions equal housing lender. And MLS number thirty thirty deadly link between Covid, nineteen and nursing homes in the US data analyzed by the New York Times finds more than forty percent of corona virus deaths in the US were either residents or Workers Ed, nursing homes, or other long term care facilities for seniors that accounts for at least fifty four thousand of the over one, hundred, twenty, five thousand confirmed coronavirus deaths in the US. A gunman opened fire during a peaceful protest in downtown Louisville on Saturday, demonstrators had gathered to protest the death of Brianna. Taylor when shots were fired, leaving one person dead, and another injured video posted on social media shows what A.
Monitor Show 04:00 07-31-2020 04:00
"Hi, this is Jay Farner CEO rocket mortgage making the right financial decisions has never been more important. We can help guide you to those right decisions. Now when they matter most mortgage rates are near historic lows. So when you call eight three, three, eight rocket or visit us at rocket mortgage dot com to start your refinance you'll be well on your way to saving money every month the rate today on our thirty year fixed rate mortgage is three point three, seven, five, percents APR three, point five, nine percent right now could be a great time for you to take some. Positive. Financial steps forward with a cash out refinance from rocket mortgage, which could give you the boost that you're looking for. In addition, we may be able to help you refinance with little or no. Out of pocket costs at rocket mortgage were committed to every client every time no exceptions accuses giving you the best mortgage experience. Call us today at eight, three, three, eight rocket or go to rocketmortgage. Dot Com to learn more rates subject to change one point eight, seven, five, percents discount rate cost information and conditions equal housing lender licensed in all fifty states number thirty, thirty times. Does really feel like the way around a second wave of corona virus is ratcheting up here in the UK. But then of course, the tech earnings were very interesting overnight even though we saw that slump in US GDP, the tech firms do very well Apple Amazon hanging out to go to other people's homes not in the north of England no basically greater. Manchester. North. Well. You know what they can do if they can't go to anyone else's house well, they can order an iphone. They can go and shop a little bit on Amazon they can google some stuff spread some.
AP One Minute Headlines Jan 07 2019 05:00 (EST)
"I'm Jay Farner, CEO of Quicken Loans, America's premier home purchase lender. Today's fluctuating interest rates can leave you with unexpected higher mortgage payments at Quicken Loans. We've created a new way to protect you from unpredictable interest rates. So you can buy a home with certainty. It's called rate shield, and here's how it works with rate shield. You can lock your interest rate while you shop for a new home. So if rates go up, you don't have to worry. And here's the best part. If rates go down you get the lower rate with rate shield, we really have you covered. Here are more reasons why you wanna work with America's largest mortgage lender for nine years in a row now Jd power has ranked Quicken Loans highest in the nation in customer satisfaction for primary mortgage origination. And for the fifth year in a row, they've also ranked us highest in the nation for mortgage servicing rate shield, another way, we can save you money on your mortgage. Call us today at eight hundred quicken or go to rocketmortgage dot com. Basin. Rocket mortgage data in comparison to public data records, Rachel approval only valid answering thirty or purchase transactions. Call for cost information and conditions. Equal housing lender. License in all fifty states MLS number thirty thirty additional conditions or exclusions may apply. Why? Hi, it's Jamie, progressive's number one number two employee. Leave a message at the hey, Jamie. It's me, Jamie. This is your daily pep talk. I know it's been rough going ever since people found out about your Capella group mad harmony, but you will bounce back. I mean, you're the guy always helping people find coverage options with the name your price tool. It should be you giving me the pep talk. Now get out there, hit that high note, and take mad harmony all the way to nationals this year. Sorry pitchy. Progressive casualty insurance company and affiliates. Price and coverage match limited by state law. I'm Jay Farner, CEO of Quicken Loans, America's premier home purchase lender. We've created a new way to protect you from unpredictable interest rates are exclusive rate shield approval. I we lock your interest rate for up to ninety days. Then if rates go up your rate stays locked. But if rates go down your rate drops either way you win. Call us today at eight hundred quicken or go to rocketmortgage dot com, racial approval. Only thirty year fixed rate loans. Call for cost information and conditions. Equal housing lender. License an author debates animal number thirty thirty additional conditions or exclusions may apply.
Monitor Show 04:00 06-24-2020 04:00
"Hi. This is Jay Farner. CEO Rocket Mortgage, making the right financial decisions has never been more important. We can help guide you to those right decisions now when they matter most mortgage rates are near historic lows so when you call eight three three eight rocket, or visit us at rocket mortgage dot, com to start your refinance. You'll be well on your way to saving money every month. The rate today on our thirty year fixed rate mortgage is three point three seven five percents Apr.. APR Three Point. Five nine percent right now could be a great time for you to take some positive financial steps forward with a cash out, refinance from rocket mortgage, which could give you the boost that you're looking for. In addition, we may be able to help you refinance with little or no out of pocket costs at rocket mortgage were committed to every client every time. No exceptions excuses giving you the best mortgage experience. Call us today at eight, three, three eight rocket or Or go to rocketmortgage, DOT COM to learn more rates subject to change one point eight seven five percents discounted rate, cost, information and conditions, equal housing lender licensed in all fifty states and analyst number thirty sentiments indicates at June Jim. Business confidence that index is coming eighty six point two. That is a little head of the estimate of eighty five. It is all so all rising, because we also see a headline, says the business climate index rises set compared to the previous time the. The current assessment index, so that is sort of more as you are at the moment, rather than forward looking assessment that he's eighty one point three that is below the estimate, the expectations index is coming at ninety one point four, so really interesting to see these headlines coming through on the German economy right now, and we'll see what that is doing it to the euro. In due course, we have some Meta data out of the euro-zone just yesterday. Just they signed yesterday we.
Monitor Show 00:00 06-22-2020 00:00
"Hi this is Jay, Farner CEO rocket mortgage, making the right financial decisions has never been more important. We can help guide you to those right decisions now when they matter most mortgage rates are near historic lows so when you call eight three three eight rocket, or visit us at rocket mortgage dot. com to start your refinance. You'll be well on your way to saving money every month. The rate today on our thirty year fixed rate mortgage is three point three seven five percents APR three point five nine percent right now could be a great time for you to take some positive financial steps forward with a cash. Cash out. Refinance from rocket mortgage, which could give you the boost that you're looking for. In addition, we may be able to help you refinance with little or no out of pocket costs at rocket mortgage were committed to every client every time, no exceptions, no excuses giving you the best mortgage experience. Call us today at eight, three, three eight rocket, or go to rocketmortgage DOT COM to learn more rates subject to change one point eight seven five percents, discount, rate, cost, information and conditions equal housing lender licensed in all fifty states number thirty thirty Florida Brazil in Germany, the our number, so just two point eight eight. China verbs. It's proposed security law will override the. System in Hong Kong pro democracy campaigners in the city a bay are preparing for. And Dubai will begin align tourists in from July the seventh. Residents stock abroad start returning from today. We have the details. It is am across the emerets. This is Bloomberg daybreak released. By. I'm skinny. Right alongside. You depends which direction which narrative. You really want to believe if you look at a strategy. Yes, they've got an extension.
Monitor Show 15:00 07-11-2020 15:00
"Hi. This is Jay Farner CEO, rocket mortgage, making the right financial decisions has never been more important. We can help guide you to those right decisions now when they matter most mortgage rates are near historic lows so when you call eight three three eight rocket, or visit us at rocket mortgage dot. com to start your refinance. You'll be well on your way to saving money every month. The rate today on our thirty year fixed rate mortgage is three point three seven five percents APR three point five nine percent right now could be a great time for you to take some positive financial steps forward with a cash out, refinance. Refinance from rocket mortgage. which could give you the boost that you're looking for? In addition, we may be able to help you refinance with little or no out of pocket costs at rocket mortgage were committed to every client every time, no exceptions, no excuses giving you the best mortgage experience. Call us today at eight, three, three eight rocket, or go to rocketmortgage DOT COM to learn more rates subject to change one point eight seven five percents discounted rate, cost, information and conditions equal housing lender licensed in all fifty states number, thirty thirty visits have have skewed younger and kind of that that that thirty five year old range. which which obviously is a different different kind of clinical cohort? Then then the sixty five enough minorities are suffering higher rates from covid nineteen, th and other Americans correspondent Polo Sandovol death tolls, Klein, a troubling new report from the Centers for disease, control and prevention about how covert is disproportionately killing black and brown Americans the fresh. Data showing on average, those minority groups are dying from the virus at a younger age when compared to white patients. One likely factor many of them filling essential and service jobs, allowing little room for social distancing.
Monitor Show 06:00 06-27-2020 06:00
"Hi, this is Jay Farner CEO rocket mortgage. Making the right financial decisions has never been more important. We can help guide you to those right decisions now when they matter most mortgage rates are near historic lows so when you call eight three three eight rocket, or visit us at rocket mortgage dot com to start your refinance. You'll be well on your way to saving money every month. The rate today on our thirty year fixed rate mortgage is three point three seven five percents APR three point five nine percent right now could be a great time for you to take some positive financial steps forward with a cash out. Refinance from rocket mortgage which. which could give you the boost that you're looking for? In addition, we may be able to help you refinance with little or no out of pocket costs at rocket mortgage were committed to every client every time, no exceptions, no excuses giving you the best mortgage experience. Call us today at eight, three, three eight rocket, or go to rocketmortgage. Dot Com to learn more rates subject to change one point eight seven five percents, discount, rate, cost, information and conditions, equal housing lender licensed in all fifty states and MLS number thirty thirty to get close to drink and socialize, and that's the kind of thing that stokes the spread of the coronavirus. Oh sure. In hindsight. It may have been better to have slowed the opening of the bar setting, former vice president and presumptive Democratic presidential nominee Joe Biden said he would mandate the wearing of masks to help prevent the spread of covid nineteen. Howard insists that everybody on public. Be Wearing that mask anyone to reopen. It would have to make sure that they walked into a business that had mass. Intelligence concluded that the Russian military offered bounties to ban link militants in Afghanistan to kill American troops and other coalition forces.
Monitor Show 07:00 06-19-2020 07:00
"Hi, this is Jay Farner CEO rocket mortgage. Making the right financial decisions has never been more important. We can help guide you to those right decisions now when they matter most mortgage rates are near historic lows so when you call eight three three eight rocket, or visit us at rocket mortgage dot com to start your refinance. You'll be well on your way to saving money every month. The rate today on our thirty year fixed rate mortgage is three point three seven five percents APR, three point, five nine percent right now could be a great time for you to take some positive financial steps forward with a cash. Cash out refinance from rocket mortgage, which could give you the boost that you're looking for. In addition, we may be able to help you refinance with little or no out of pocket costs at rocket mortgage were committed to every client every time, no exceptions, no excuses giving you the best mortgage experience, call us today at eight, three, three eight rocket, or go to rocketmortgage DOT COM to learn more rates subject to change one point eight seven five percents, discount, rate, cost, information, and conditions equal housing lender licensed in all fifty states number thirty thirty Ma market. This market is still a glass half full equity market. Well as you decide if it's a glass, half full glass empty, but is decidedly rangebound I notice a bid. That's underneath that you mentioned John Futures Robin. Yes, I guess phase one is back on, but I have zero confidence in that it's just interesting to see the back and forth, and it's not just the Bolton papers is just the whole back and forth between Beijing and Washington John It's a Friday of confusion. It is a Friday of confusion of Friday of hope over in Europe as well. Lisa hope as these leaders get together and discuss stimulus plans. I think the former negotiate.