buying power

Tiffany Mittal is the Founder & CEO of Utility Ranger, a tenant utility billing software company. In this episode Tiffany and KJ discuss the growing attention on multifamily real estate and investing and how the concept of ratio utility billing (RUBS) can increase property valuation and net operating income. 

 Key Takeaways:

• The advantages of multifamily real estate for new buyers
• Common challenges faced by smaller investors in accessing third-party utility billing services
• How Tiffany turned utility billing into a SaaS model
• How investors can positively impact resident behavior

Quote of the Show (03:00):

"What guides me the most is really leveling the playing field for the common man." – Tiffany Mittal

Join our Anti-PR newsletter where we’re keeping a watchful and clever eye on PR trends, PR fails, and interesting news in tech so you don't have to. You're welcome.

Want PR that actually matters? Get 30 minutes of expert advice in a fast-paced, zero-nonsense session from Karla Jo Helms, a veteran Crisis PR and Anti-PR Strategist who knows how to tell your story in the best possible light and get the exposure you need to disrupt your industry. Click here to book your call: https://info.jotopr.com/free-anti-pr-eval

Ways to connect with Tiffany Mittal:

LinkedIn: https://www.linkedin.com/in/tiffanymittal/

Twitter: https://twitter.com/tiffanymittal?lang=en

Website: https://utilityranger.com/

Company LinkedIn: https://www.linkedin.com/company/utilityranger/

How to get more Disruption/Interruption: 

Amazon Music - https://music.amazon.com/podcasts/eccda84d-4d5b-4c52-ba54-7fd8af3cbe87/disruption-interruption

Apple Podcast - https://podcasts.apple.com/us/podcast/disruption-interruption/id1581985755

Google Play - https://podcasts.google.com/feed/aHR0cHM6Ly93d3cub21ueWNvbnRlbnQuY29tL2QvcGxheWxpc3QvODE5NjRmY2EtYTQ5OC00NTAyLThjZjktYWI3YzAwMmRiZTM2LzNiZTZiNzJhLWEzODItNDhhNS04MDc5LWFmYTAwMTI2M2FiNi9kZDYzMGE4Mi04ZGI4LTQyMGUtOGNmYi1hZmEwMDEyNjNhZDkvcG9kY2FzdC5yc3M=

Spotify - https://open.spotify.com/show/6yGSwcSp8J354awJkCmJlD

See omnystudio.com/listener for privacy information.

Craig and Lee discuss the final exit of Nordstrom from Canada after almost 8 years, including the smashing of fixtures by staff in Vancouver during liquidation, challenges Nordstrom had in Canada, speculation on future of old Nordstrom locations and an American Nordstrom discussion.

Retail Insider content discussed this episode:

• Nordstrom Rack Stores In Canada Shuttered EOD Sunday As Nordstorm Stores Prepare To Close In June
• Nordstrom Rack Closes Canadian Stores: A Discussion [Podcast]

Subscribe, Rate, and Review our Retail Insider Podcast!

Follow Craig:

• LinkedIn: www.linkedin.com/in/CraigPattersonToronto
• Instagram: @craig_patterson_toronto
• Twitter: @RI_EIC

Follow Retail Insider:

• LinkedIn: www.linkedin.com/company/Retail-Insider
• Facebook: https://www.facebook.com/RetailInsider/
• Twitter: @RetailInsider_
• Instagram: @Retail_Insider_Canada

Listen & Subscribe:

• Apple Podcasts
• Spotify
• Overcast
• Stitcher

Share your thoughts!

Drop us a line at Craig@Retail-Insider.com. You can also rate us in Apple Podcasts or recommend us in Overcast to help more people discover the show!

Background Music Credit: Hard Boiled Kevin MacLeod (incompetech.com). Licensed under Creative Commons: By Attribution 3.0 License. http://creativecommons.org/licenses/by/3.0/

Craig and Lee discuss the final exit of Nordstrom from Canada after almost 8 years, including the smashing of fixtures by staff in Vancouver during liquidation, challenges Nordstrom had in Canada, speculation on future of old Nordstrom locations and an American Nordstrom discussion.

Retail Insider content discussed this episode:

• Nordstrom Rack Stores In Canada Shuttered EOD Sunday As Nordstorm Stores Prepare To Close In June
• Nordstrom Rack Closes Canadian Stores: A Discussion [Podcast]

Subscribe, Rate, and Review our Retail Insider Podcast!

Follow Craig:

• LinkedIn: www.linkedin.com/in/CraigPattersonToronto
• Instagram: @craig_patterson_toronto
• Twitter: @RI_EIC

Follow Retail Insider:

• LinkedIn: www.linkedin.com/company/Retail-Insider
• Facebook: https://www.facebook.com/RetailInsider/
• Twitter: @RetailInsider_
• Instagram: @Retail_Insider_Canada

Listen & Subscribe:

• Apple Podcasts
• Spotify
• Overcast
• Stitcher

Share your thoughts!

Drop us a line at Craig@Retail-Insider.com. You can also rate us in Apple Podcasts or recommend us in Overcast to help more people discover the show!

Background Music Credit: Hard Boiled Kevin MacLeod (incompetech.com). Licensed under Creative Commons: By Attribution 3.0 License. http://creativecommons.org/licenses/by/3.0/

 Don’t miss this fascinating conversation w/RC Williams of SherlocExposes.com ! Elites in the federal government hate cash because they hate Americans who love freedom. Cash provides privacy, an easy way for individuals to settle debts or sell goods without big govt intrusion; cash can’t be taxed or tracked, preventing Uncle Sam from getting involved in petty transactions. 
On the other hand, CBDCs allow big govt to track and control every penny you earn, save and spend. They’re also a powerful tool for politicians to take and redistribute your hard earned paycheck as they see fit. CBDCs allow centralized govt controlled banks to impose negative interest rates where you essentially pay the bank for holding your money! Not to mention, CBDCs have an expiration date and enable ESG scores to be imposed on you if you don’t bow down to Uncle Sam.

WATCH AND SUBSCRIBE TO OUR YOUTUBE CHANNEL https://www.youtube.com/@carljacksonshowandblog

More: www.TheCarljacksonshow.com

Facebook: https://www.facebook.com/thecarljacksonshow

Twitter: https://twitter.com/carljacksonshow

Parler: https://parler.com/carljacksonshow

See omnystudio.com/listener for privacy information.

Check out my resources!

Click Here To Join The Financially Bulletproof Investing Course! 

Click Here To Download my Free Financially Bulletproof Checklist

---

In this episode, host Marc Russell and real estate expert David Pere dive into the current state of the real estate market, discussing factors such as interest rates, location-specific dynamics, and population trends. They explore how buying power is affected by these market changes and share insights on evaluating properties and making informed decisions.

Whether you're a first-time homebuyer or an investor, this episode offers valuable information and strategies to navigate the evolving real estate landscape.

Timestamps:

[02:10] Intro
[07:20] Why people rent
[12:00] Benefits of homeownership
[16:50] Factors affecting interest rates
[22:30] Importance of investing in real estate
[26:00] The desire for more land
[29:20] Importance of choosing the right agent
[32:10] Importance of selecting the right lender
[35:00] Avoiding emotional decisions
[37:00] Importance of domain names

Connect with David:

https://linktr.ee/militarymillionaire

The Military Millionaire Planner:

https://www.frommilitarytomillionaire.com/planner-instructions

https://www.frommilitarytomillionaire.com/planner

---

Connect with Me!

Instagram: @BetterWallet

TikTok: @BetterWallet

Twitter: @TheBetterWallet

YouTube: @BetterWallet

We've been hearing about it more every day. It's the new way of shopping without paying for it with cash or a credit card. It's called Buy Now, Pay Later. But did you know that it's actually a loan that may or may not help your credit. There's no doubt that it is a convenient way for those are not prepared for the unexpected, such as when a home appliance breaks.

However it comes with several implications, all of which consumers need to know about. In this episode I discuss the pros and cons, the good and the bad, and the facts that may leave you thinking whether this is the, "wisest way to shop!"

Remember to rate and subscribe to this podcast on your favorite listening platform!

~Milagros~

With inflation hovering at record-high levels (near 40-year highs), what does this mean for us financially? Terry Sacka, AAMS describes the economic storm that inflation could very well bring upon us and how to prepare yourself.

I saw a wave, a dark wave, come over our nation. And it's not just the election, of course, but this program is going to be all in the name RIGGED because when I, and we formed RIGGED, it was because of the financial system, but RIGGED is now becoming common in America. And it's all RIGGED [against you].

Free Silver Investment Guide: Build Wealth with Physical Silver

To Buy Gold Direct or Reach A Cornerstone Wealth Advisor:
email:  clientsupport@cammetals.com
telephone: (888) 747-3309

SUBSCRIBE & FOLLOW:
RIGGED [against you] on YouTube
RIGGED [against you] on Rumble
RIGGED [against you] on Apple Podcasts
RIGGED [against you] on Spotify

ABOUT THE HOST:
Terry Sacka, AAMS is a Wealth Strategist, Financial Analyst and Founder of Cornerstone Asset Metals, Wealth Transfer News Television, and the RIGGED podcast. He formerly was a financial advisor for A.G. Edwards and a strategist in commodity options and futures. Using his global travel and U.S. Army military experience, Terry has accumulated a unique perspective of the real global economic framework.

RIGGED [against you] is a wealth and finance podcast designed to help you achieve your financial goals through advanced savings and investment techniques.

Terry Sacka, AAMS was interviewed by Pastor Stan of the The Prophecy Club on what to make of our current inflationary situation and if we are indeed in a recession. He discussed not only what they are doing in the United Nations, but how that correlates to Government legislation to our own savings and banking accounts. 

I saw a wave, a dark wave, come over our nation. And it's not just the election, of course, but this program is going to be all in the name RIGGED because when I, and we formed RIGGED, it was because of the financial system, but RIGGED is now becoming common in America. And it's all RIGGED [against you].

Free Silver Investment Guide: Build Wealth with Physical Silver

To Buy Gold Direct or Reach A Cornerstone Wealth Advisor:
email:  clientsupport@cammetals.com
telephone: (888) 747-3309

SUBSCRIBE & FOLLOW:
RIGGED [against you] on YouTube
RIGGED [against you] on Rumble
RIGGED [against you] on Apple Podcasts
RIGGED [against you] on Spotify

ABOUT THE HOST:
Terry Sacka, AAMS is a Wealth Strategist, Financial Analyst and Founder of Cornerstone Asset Metals, Wealth Transfer News Television, and the RIGGED podcast. He formerly was a financial advisor for A.G. Edwards and a strategist in commodity options and futures. Using his global travel and U.S. Army military experience, Terry has accumulated a unique perspective of the real global economic framework.

RIGGED [against you] is a wealth and finance podcast designed to help you achieve your financial goals through advanced savings and investment techniques.

In which we explore the depths of ignorance while opining about the veracity of Milton Friedman’s economic principles. Are we big fans of inflation? Tune in to find out. It’s really a good time. 

AI Summary

Unlock the secrets of inflation with our deep-dive into a topic that has economists and laypeople alike scratching their heads. From Milton Friedman's famous theories to the stark realities of navigating a fluctuating economy, we promise a journey that will illuminate the hidden intricacies of monetary policy and its impact on our daily lives. I'm taking you through my personal exploration of the subject, filled with anecdotes, a critical look at government roles, and the ripple effects of recessions. This episode isn't just a lesson in economics; it's a candid revelation of how political biases and economic theories collide with the urgent struggles faced by businesses and individuals alike.

Navigate the murky waters of economic policies and their unforeseen consequences on society as I share tales from my consulting days, dealing with corporate giants in the aftermath of the 1970s' inflationary spiral. We critique the reliability of economic models, the challenges of quantifying modern money, and the delicate art of remaining objective in a sea of biases. Meanwhile, we explore the seeming elasticity of the dollar, dissect the appeal of cryptocurrencies like Bitcoin, and ponder the psychological tug-of-war between spending and saving in a consumption-fueled world.

To cap off, we address the broader implications of money circulation, the tug between personal wealth preservation and market dynamics, and the paradoxical effects of inflation on government revenue. I also shed light on the disquieting trend of the Supreme Court's perceived politicization and what it could mean for justice and democracy. Strap in for a financial rollercoaster that promises to challenge your perceptions, provoke thoughtful debate, and perhaps even inspire a change in how you view the ebb and flow of your own hard-earned cash.

References

Inflation Guy

Milton Friedman - Every man knows that about his wife (7:00)

“Fairytales of eternal economic growth”, Greta Thunberg, United Nations Summit

Three is the Magic Number

“Don’t cross the streams”, Ghostbusters

Dune, Guild Navigator

Chapters

(00:01) Exploring Different Perspectives on Inflation

(09:36) Discussion on Inflation and Money Supply

(26:33) Understanding Inflation and Dollar Devaluation

(31:28) The Fluctuating Value of the Dollar

(37:24) Value of Money, Financial Literacy

(47:04) Currency Value and Circulation

(55:25) Economics of Inflation and Money Supply

(01:02:57) Inflation's Impact on Government Revenue

(01:10:21) Politicization of the Supreme Court

Prices on everything are going up for a reason. Pay attention to red flags coming out about the current state of the U.S. Dollar. Terry Sacka, AAMS discusses important financial information, offering us clues as to how long we have left with dollar dominance. Will you come out better on the other side?

I saw a wave, a dark wave, come over our nation. And it's not just the election, of course, but this program is going to be all in the name RIGGED because when I, and we formed RIGGED, it was because of the financial system, but RIGGED is now becoming common in America. And it's all RIGGED [against you].

Free Silver Investment Guide: Build Wealth with Physical Silver

To Buy Gold Direct or Reach A Cornerstone Wealth Advisor:
email:  clientsupport@cammetals.com
telephone: (888) 747-3309

SUBSCRIBE & FOLLOW:
RIGGED [against you] on YouTube
RIGGED [against you] on Rumble
RIGGED [against you] on Apple Podcasts
RIGGED [against you] on Spotify

ABOUT THE HOST:
Terry Sacka, AAMS is a Wealth Strategist, Financial Analyst and Founder of Cornerstone Asset Metals, Wealth Transfer News Television, and the RIGGED podcast. He formerly was a financial advisor for A.G. Edwards and a strategist in commodity options and futures. Using his global travel and U.S. Army military experience, Terry has accumulated a unique perspective of the real global economic framework.

RIGGED [against you] is a wealth and finance podcast designed to help you achieve your financial goals through advanced savings and investment techniques.

There's an old saying that goes, "the clearer you are, the more certain you become." This is definitely true when it comes to business. When you are clear about your goals and what you want to achieve, it becomes a lot easier to take the necessary steps to get there, develop a plan of action, and track your progress along the way. Setting goals is important for any individual or organization, but making sure those goals are clear and concise is essential for long-term success.

In today’s episode of the Expert(ish) Podcast, our guest Zach Morrow talks about what motivated him to become an entrepreneur, why clarity is the key to long-term success, and what role he plays in the investment management industry.

Zach Morrow is the VP of Investor Relations at Boron Capital, an investment management firm that runs hedge funds strategically investing into self-storage complexes, mobile home communities, and cryptocurrency. His role involves connecting accredited investors to strong, stable, high-cash flow investments through strategic partnerships, commercial real estate, and private investments.

Enjoy!

If you are looking for an inexpensive and super convenient healthcare option, check out SkillMil Telehealth Services. It's a program that works well as a supplement to VA health care.

Simply click on telehealth services on their website, fill out the basic info, and use the referral code Expert(ish) Podcast in the dropdown menu to get started.

In This Episode

01:28 - Backstory of Zach Morrow

03:34 - What motivated him to become an entrepreneur

08:51 - How Zach's business skills have evolved over time

12:46 - His advice for veterans interested in launching their own business

15:27 - Why clarity is the key to long-term success

25:33 - Zach's strategies for growing a business

31:54 - Zach's role in the investment management industry

35:49 - How investing in self-storage complexes works

39:12 - Locations where storage investments are expected to grow

Favorite Quotes

37:28 - "Obviously, we're very much in an inflationary environment and quality assets really stand to gain from that. So, having your money working inside of good assets, not only allows you for good appreciation but you've got continued, great rent operations and the demand for storage has not been shrinking at all. The millennial generation is now becoming the largest users of storage more so than we've seen in the past." - Zach Morrow

04:24 - "I wanted to find a way to transition out of the corps and be able to provide the life for my family that I felt was right for us. And for us, that was me finding a way to not only have the financial freedom, but the time freedom to be able to spend with them and to be present."- Zach Morrow

10:13 - "There's always going to be new levels of growth and opportunity. And I think that the more we can recognize where we're at and process where we're trying to get to, we can reverse engineer the skills that we need and the resources that we need." -  Zach Morrow

10:49 - "There's going to be two things that you can give and it's either your time and your experience or your money. And both of those can earn you the opportunity." - Zach Morrow

15:54 - "One of the most difficult things about transitioning out is, in most cases, you're going to lose the clarity and now you're going to become responsible for it. And a lot of times we haven't been trained to do that. So, that's a really difficult thing to do. Finding a way to regiment your time to create clarity for yourself is critical for your term success." - Zach Morrow

17:37 - "Once you know what your target is, you can get really clear on the next step. But if you're always focusing on the thing that's so far away, you're never going to hit the target. So, if we just put these things out there, it becomes extremely difficult to hit the target, unless you can set it up and then reign it back in and focus on that next thing right in front of you." - Zach Morrow

27:44 - "Your job shouldn't be to be the expert at everything. It should be how to find experts at everything. It's not always like, how do I do something, it's who do I need.  That's the question we ask more often because 'how' requires me to completely transform who I am and then I'm starting from zero where I can potentially just partner with somebody or bring somebody on or create a relationship. " - Zach Morrow

Engage with Zach Morrow

LinkedIn

Text the word INFO to 877 771 0615

Connect with Expert(ish) Podcast Host JAY JOHNSON

Call (858) 925- 4536

Website

LinkedIn

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Listen to more episodes of the Expert(ish) Podcast

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Juggling a career, running a business, maintaining healthy relationships, and staying fit can be tough. It seems like there are never enough hours in the day to get everything done. Getting into your best shape amidst all the chaos of everyday life can be difficult, but not impossible. Having a trainer who knows what they're doing, understands what you want, and provides support and motivation throughout your journey is key to achieving your fitness goals.

In today’s episode of the Expert(ish) Podcast, our guest, Chris Keith talks about how he made the transition from military service to fitness training, the biggest mistakes he made in his fitness career, and why he wants to be a connector.

Chris Keith is San Diego's most effective, motivational, and inspiring personal trainer. He is also the most knowledgeable, experienced, and compassionate 1-on-1 personal trainer for weight loss, strength building, and post physical therapy. Chris was voted Best Personal Trainer in San Diego by numerous publications and continues to be a local fitness celebrity and advisor to the local media on health and fitness related issues.

Enjoy!

If you are looking for an inexpensive and super convenient healthcare option, check out SkillMil Telehealth Services. It's a program that works well as a supplement to VA health care.

Simply click on telehealth services on their website, fill out the basic info, and use the referral code Expert(ish) Podcast in the dropdown menu to get started.

In This Episode

03:16 - Backstory of Chris Keith

06:54 - What motivated him to become an entrepreneur

13:53 - How he made the transition from military service to fitness training

18:05 - How Chris found the right business model for his fitness program

24:05 - One of the biggest mistakes he made in his fitness career

28:27 - What makes Chris want to be a connector

33:03 - How hard work presents opportunities

50:51 - The challenge of finding the balance between career, business, family, and fitness and how to overcome them

Favorite Quotes

12:06 - "Once you realize, in life you know that a lot of times there's some good that comes from bad things. You know, when bad things happen, you have a different approach to it. It doesn't affect you as much. I would say that my strength is getting people out of the victim-poor me mindset and getting them more into the conquer can-do mindset that's needed for a lot of aspects of life." - Chris Keith

36:42 - "I just learned over the years that buy when you're able. If you're worried because the prices are high, well the prices are high but the interest rates are low. The interest rates are going to go up and then the prices may soften a little bit. But buy when you can. Just buy something and get into the market because you're able to parlay that into your next place and into another." - Chris Keith

53:22 - "I think at this point for me, I see people start making these obstacles in their head with fitness, health, and exercise. I think just committing, just doing it, showing up is like half the battle." - Chris Keith

Connect with Chris Keith

LinkedIn

Chris Keith - San Diego Personal Trainer

Connect with Expert(ish) Podcast Host JAY JOHNSON

Call (858) 925- 4536

Website

LinkedIn

Facebook

Instagram

Listen to more episodes of the Expert(ish) Podcast

iTunes

Spotify

The military is a unique institution that teaches discipline, teamwork, and decision making, as well as other skills that can be applied to civilian life. When leaving the military, it can be difficult to adjust to civilian life. Despite these difficulties, military service members can successfully transition into the civilian world by having the right tools and a positive mindset. 

In today’s episode of the Expert(ish) podcast, our guest, Greg Amorelli talks about the lessons he learned in the military and how he applied them to the civilian world, why it's better to make a bad decision than not to make one at all, and how growth comes from expanding past your comfort zone.

Greg Amorelli is the Director of Health and Fitness Programs at Downtown Athletic Club, Strength and Conditioning Specialist at O2X Human Performance, and an Infantry Platoon Leader at Army National Guard. Additionally, Greg is a professional Health and Human Performance Coach who specializes in tactical strength and conditioning, running, swimming, and healthy lifestyle interventions for all populations and ability levels. He helps to develop and manage the mental, physical, and nutritional standards of individuals, small units, and teams to expand functional capabilities, improve overall health, and optimize personal performance.

Enjoy!

If you are looking for an inexpensive and super convenient healthcare option, check out SkillMil Telehealth Services. It's a program that works well as a supplement to VA health care.

Simply click on telehealth services on their website, fill out the basic info, and use the referral code Expert(ish) Podcast in the dropdown menu to get started.

In This Episode

01:40 - Backstory of Greg Amorelli

13:24 - Why knowing your goals is important when making decisions

19:20 - What Greg realized about the quote: “Jack of all trades. Master of none. But oftentimes better than a master of one”.

23:59 - Military lessons Greg has applied in the civilian world

31:00 - Why it's better to make a wrong decision than not to make one at all

38:13 - The elements and pieces of developing a positive mindset

43:35 - How growth comes from expanding past your comfort zone

55:07 - How the lessons learned in the military can help you succeed in civilian life

Favorite Quotes

45:24 - "Majority of successful people out there are successful because they've made more mistakes than the next person. And I, a hundred percent believe that because I found that the more mistakes I've made, the faster I've made them, the better I've become." - Greg Amorelli

08:08 - "I think the majority of us, military or post-military, are people who have a mindset where we have to keep going, keep pushing forward. And I think there are goods and bads for that. Any success that I've developed right now is because I do have that mentality." - Greg Amorelli

13:24 - "When you start something out, there's a big difference between understanding where you want to be and where you can be." - Greg Amorelli

21:56 - "The concept of pulling from all these different locations, you don't have to do it all yourself. But if you know, just enough, to know how you utilize that asset, how you utilize that resource, how you utilize that employer and that coworker to the point where they can succeed in what they do best, which will make you succeed, then to me, that's the win." - Greg Amorelli

31:09 - "Make the best decision you can with the information you have and be good with it. The most dangerous thing you can do in the military is not make a decision. It's almost always a lot of cases and in a lot of situations, it's better to make the wrong decision than no decision." - Greg Amorelli

Engage with Greg Amorelli

LinkedIn

Connect with Expert(ish) Podcast Host JAY JOHNSON

Call (858) 925- 4536

Website

LinkedIn

Facebook

Instagram

Listen to more episodes of the Expert(ish) Podcast

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When it comes to finding success in life, knowing your why is essential. Why do you do the things you do? What is your purpose? Too often, people go through the motions without taking the time to figure out what matters most to them. Without knowing your why, it is easy to get lost along the way. Without a clear sense of purpose, it can be difficult to stay motivated and focused on what is important. In what ways are you able to tap into your inner self to determine your purpose?

In today’s episode of the Expert(ish) Podcast, our guest, Rob Rens talks about what sets him apart from other insurance agents, how he starts his day motivated, as well as his upcoming project in support of veterans. 

Rob Rens is a State Farm Insurance agent and the President of Signal Fire Media. He is an experienced insurance and financial services professional serving North Carolina and Georgia. In his role at State Farm, Rob provides valuable information about insurance, the risks that make it necessary, how to protect yourself from those risks, and how to take action to achieve your most important goals.

Enjoy!

If you are looking for an inexpensive and super convenient healthcare option, check out SkillMil Telehealth Services. It's a program that works well as a supplement to VA health care.

Simply click on telehealth services on their website, fill out the basic info, and use the referral code Expert(ish) Podcast in the dropdown menu to get started.

In This Episode

02:06 - What Rob hopes to see in New Hanover County

08:59 - Why location matters in business and how you can create your own

12:07 - What sets Rob apart from other insurance agents

20:06 - Rob's leadership philosophy

22:43 - How Rob intentionally starts his day

28:56 - Rob's upcoming project in support of veterans

35:31 - What it takes to make a difference in the world

38:33 - Rob's last piece of advice

Favorite Quotes

36:02 - "You have to know your why, like what's your purpose in life. And when you have that, then you can start to see those opportunities and just ask yourself the question, does this align with who I wanna be? And if so, am I willing to work hard enough to make it happen?" - Rob Rens

09:15 - "Location is important. But I do feel very strongly that you can make your own cool location. And if you market it appropriately, you have a quality service, you've got really good people that share the mission and vision of your company, and a culture is created around that, you can put something awesome in any neighborhood." - Rob Rens

13:51 - "A business is nothing without people. And that's people to run it and that's people to buy your product and service. So, if you are agile and you're able to adjust to how different generational cohorts interact with brands, purchase products, and what their expectations are after they've made that purchase, I think that's the best way to stay ahead of those trends." - Rob Rens

20:07 - "I just connect with people and I use love, empathy, and mutual respect to get things done more efficiently. And at the end of the day, it's probably better because you're gonna have people who are going to stick with you long term and run through brick walls for you." - Rob Rens

36:17 - "Overnight success, we use that term so flippantly in our society. Nobody sees the sleepless nights for years to become an overnight success. All of a sudden you blip on someone's radar, but they didn't see everything you put into it ahead of time. And that's really where the difference lies." - Rob Rens

39:26 - "If you're really feeling down because things aren't quite going your way, just start calling people. When you make that breakthrough, whether it's a sale, a new connection, a new venture, or something like that, the brain just starts firing in all cylinders. And all of a sudden, you're motivated again, you're happy again and you can carry that momentum out." - Rob Rens

Engage with Rob Rens

LinkedIn

Instagram

Connect with Expert(ish) Podcast Host JAY JOHNSON

Call (858) 925- 4536

Website

LinkedIn

Facebook

Instagram

Listen to more episodes of the Expert(ish) Podcast

iTunes

Spotify

Inflation is one of the biggest threats to financial stability. It can erode your savings and investments, leaving you with less money in the long run. The ability to make wise investments that maintain buying power over time can be difficult without a plan to mitigate inflation. With the volatile market we have today, how can investments be protected from inflation risk and your money kept safe?

In today’s episode of the Expert(ish) Podcast, our guest, Devin Deverill talks about interest rates, how people can protect themselves against inflation, and what they can do to make the most of their cash sitting in their savings or checking accounts.

Devin Deverill has been a financial advisor with Northwestern Mutual for over 13 years. Their mission is to help their clients across the country visualize and accomplish what financial security ultimately means to them. By matching his clients’ needs with innovative investment and insurance planning, he can confidently help them navigate through the many challenges and opportunities of life.

Enjoy!

If you are looking for an inexpensive and super convenient healthcare option, check out SkillMil Telehealth Services. It's a program that works well as a supplement to VA health care.

Simply click on telehealth services on their website, fill out the basic info, and use the referral code Expert(ish) Podcast in the dropdown menu to get started.

In This Episode

1:59 - Devin Deverill's role in the wealth management industry

5:01 - How Devin aligns investment opportunities with his clients' financial goals 

9:56 - How 'basis' works in real estate

13:52 - The impact of inflation on different sectors of society

18:43 - What people can do to protect themselves against inflation

23:44 - Why investors should not put all of their money into equities

28:21 - What small business owners can do with some extra capital

35:45 - How to transition from a low yielding heavily taxed dollar to a non taxed dollar

41:08 - Devin's advice to anyone with cash sitting in their savings or checking accounts

46:13 -The psychology of gain and loss

Favorite Quotes

18:44 - "Figuring out a place where people could park their safer dollars and building a strategy there to hedge against inflation, not even necessarily growth-oriented, but at least to preserve the capital, that has become increasingly more important I think in today's environment based on the high inflationary figures that we're seeing as well as the combination effect 'one-two punch' of high inflation and hyper low-interest rates." Devin Deverill

5:33 - "You could manage the risk in terms of volatility in the capital markets of the equity space. But if you don't pay attention to taxes and how somebody's distributing money, not just growing and accumulating money especially in environments where so many people are getting down payments ready, that's a big deal." - Devin Deverill

8:40 - "If you have any legacy planning that you want to work on, everybody out there should know what a step-up in basis is on property. That is a huge hack, I would say, or benefit within the system of the tax code that you may or may not think about today. But as you get older, have kids, or want to pass things down and leave a legacy behind, you want to think about something like that." - Devin Deverill

20:15 - "So for those people that are sitting sideline with cash, there has to be a strategy other than cash that's affected by inflation and low interest rates over this next year or two that you likely want to employ and really design for those low yielding, heavily taxed dollars." - Devin Deverill

28:27 - "Taxes are a big deal for those investment properties. And anybody who's a small business owner and thinking about what to do with some excess capital, whether it's sitting in a business account or in their personal account, I would highly encourage you to reach out to a real estate professional. That will likely be a massive tax benefit to you to position a segment of dollars there based on your itemized deductions and let alone thinking about some of these concepts like distributing asset income to yourself and having a segment uncorrelated to the stock market." - Devin Deverill

46:22 - "The psychology around loss is typically greater for most individuals than the psychology around increasing their portfolio or growing wealth. People, in other words, are typically more fearful of losing money than they are appreciative of the gain in the portfolio." - Devin Deverill

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00:54 - We're going to dissect a NYT article: "Buy stocks to prosper - buy bonds to sleep at night."

04:16 - Instead of taking a loan from a bank, when you buy a bond, YOU are the lender to the government, or a corporation, or locality. A bond is a guarantee to get your money back plus an agreed-upon interest rate (usually a low interest rate).

10:11 - The article begins by congratulating stock holders, and cites stocks that are primarily up because of government policies on energy and printing more money. These stocks rising are actually symptoms of a huge problem with our economy, and the good times cannot go on forever.

14:24 - The problem is that bonds have been artificially low for a very long time (<2% yield). When those bonds come due, they could be owed at higher interest rates. The amount of capital we're talking about here is massive. Entire institutions could collapse when the bills come due. Your money is only guaranteed as long as the bond issuer doesn't go bankrupt.

18:39 - Where should we put our money when the Federal Government is so reckless with spending?

23:20 - Find large-cap, established companies with low debt, and invest in those. Because they can adjust their prices to account for inflation, and they also won't get wiped out when interest rates come back up.

27:31 - Germans in 1924 used to need wheelbarrows full of money to buy groceries, because inflation was so out of control. It collapsed their economy and largely led to the Third Reich and WW2.

30:52 - Summary - Thanks for listening!

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Terry Sacka, AAMS breaks down why our buying power is being depleted, why we're dealing with excessive prices in essential goods and services, and how to be on the right side of the upcoming wealth transfer.

RIGGED [against you] w/Terry Sacka AAMS 

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Companion Guide: $1 Million+ Retirement

To Buy Silver and Gold Direct or Reach a Cornerstone Wealth Advisor:
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telephone: (888) 747-3309
RIGGED [against you] w/Terry Sacka AAMS  

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RIGGED [against you] on YouTube
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ABOUT THE HOST:
Terry Sacka, AAMS is a Wealth Strategist, Financial Analyst and Founder of Cornerstone Asset Metals, Wealth Transfer News Television, and the RIGGED podcast. He formerly was a financial advisor for A.G. Edwards and a strategist in commodity options and futures. Using his global travel and U.S. Army military experience, Terry has accumulated a unique perspective of the real global economic framework.

RIGGED [against you] is a wealth and finance podcast designed to help you achieve your financial goals through advanced savings and investment techniques.

Warren Buffett bets against the future purchasing power of the U.S. Dollar with this single type of investment.Terry Sacka AAMS explains the significance of this investment move by the greatest investor who ever lived.

Companion Guide: $1 Million+ Retirement

Support the show at: https://www.patreon.com/riggedpodcast

To Buy Silver and Gold Direct or Reach a Cornerstone Wealth Advisor:
email:  clientsupport@cammetals.com
telephone: (888) 747-3309

SUBSCRIBE & FOLLOW:
RIGGED [against you] on YouTube
RIGGED [against you] on Rumble
RIGGED [against you] on Apple Podcasts
RIGGED [against you] on Spotify

ABOUT THE HOST:
Terry Sacka, AAMS is a Wealth Strategist, Financial Analyst and Founder of Cornerstone Asset Metals, Wealth Transfer News Television, and the RIGGED podcast. He formerly was a financial advisor for A.G. Edwards and a strategist in commodity options and futures. Using his global travel and U.S. Army military experience, Terry has accumulated a unique perspective of the real global economic framework.

RIGGED [against you] is a wealth and finance podcast designed to help you achieve your financial goals through advanced savings and investment techniques.