Superb Diamond Range Podcast: Recent Episodes
Superb
Superb Diamond Range is a Edinburgh based podcast which discusses a wide range of topics as well as interviewing guests such as Arthur and Fiona Cristian, Mark Passio, Amanda Billyrock, Peter Eyre and Richard J Miller.
53
Disclaimer:
We are not financial advisors. The content on this podcast and YouTube videos are for educational purposes only and merely cite our own personal opinions. In order to make the best financial decision that suits your own needs, you must conduct your own research and seek the advice of a licensed financial advisor if necessary. Know that all investments involve some form of risk and there is no guarantee that you will be successful in making, saving, or investing money; nor is there any guarantee that you won't experience any loss when investing. Always remember to make smart decisions and do your own research!
Welcome Dinny, please tell us a very brief little bit about yourself and your early career up until today and how you got started investing in Bitcoin?
For someone that’s sceptical or doubtful about Bitcoin what would you say to them?
Do you agree that the barrier to entry for Bitcoin although it’s improved allot is still tough for most people? An example of this would be telling someone you have this podcast online but they may not know how to access it via a podcast player well atleast this was the case a few years ago.
I went from being interested in Bitcoin to losing interest and even at one point thinking all crypto was a scam. This has changed for me but what would you say to people with this type of attitude towards it to encourage them to at least get started?
You talk allot about just doing a 4 year apprenticeship where you say start small and begin to accumulate more and more bitcoin and this allows you to learn tell us more about this?
Something that always concerned me was the safety of holding bitcoin. We’ve all heard stories of people losing their passwords and phrases or their computer breaking. How can we safely hold bitcoin?
In terms of exchanges is there an amount you would consider if you go above when it would be the right time to move to a online wallet or a physical hardware wallet? Say for example a 100 Euros/Pounds?
For someone who chooses to ignore Bitcoin Vs someone who owns some or allot, how much are they missing out by not even starting?
If you go down the traditional route at least in UK and Ireland of say Property and Pensions how much slower would it be compared to focusing more on Bitcoin?
Do you think they’ll come a time when we can own real bitcoin (not bitcoin ETF’s or funds) in a tax shelter like a pension or ISA or do you think it will always be an after tax asset?
As crypto is super volatile (which I realise is a positive for an accumulator dollar cost averaging in) even more so than traditional shares/equities how does it work when you are drawing down or in the preservation stage? Would you sell out most of the bitcoin into fiat and leave the rest invested?
Where do you think traditional pensions have gone wrong? Is it the government meddling? The lock up?
Before we close was there anything you can tell us about your company and the services you offer?
Any final messages?
https://bitcoinwithdinny.com
www.bitcoinwithdinny.com | 087 905 21 55 | hello@bitcoinwithdinny.com
52
Disclaimer:
We are not financial advisors. The content on this podcast and YouTube videos are for educational purposes only and merely cite our own personal opinions. In order to make the best financial decision that suits your own needs, you must conduct your own research and seek the advice of a licensed financial advisor if necessary. Know that all investments involve some form of risk and there is no guarantee that you will be successful in making, saving, or investing money; nor is there any guarantee that you won't experience any loss when investing. Always remember to make smart decisions and do your own research!
This podcast features returning guest and legend of the financial indepence world J.L Collins.
-
Firstly, since the last time you were on the show you've released a new book 'Pathfinders' please tell my listeners a little about it and what inspired you to write it?
-
Jumping straight into investments, what are your thoughts on bonds these days? In the UK and no doubt around the world we've experienced allot of inflation and the central banks have responded by increasing interest rates do you still think some percentage of bonds are worth holding particularly during the preservation stage?
-
What are your thoughts on life styling portfolios or as Vanguard calls them target date funds or even the life strategy funds by Vanguard Vs DIY investing?
-
What is your opinion on annuities?
-
Are you still very much a believer of investing exclusively in the USA total market equity or would you consider adding some international equity for further diversification?
-
As a UK investor I am always tempted to buy an S&P 500 fund/ETF as the cost is very low at 0.07% Vs an international all world fund costing 0.22%. The international fund is 3x more expensive but I'm more diversified and the fund is slightly less volatile and returns are very good. How important are fund fees and keeping them as low as possible?
-
How important is diversification in investing?
-
Obviously I realise you can only speak from the US perspective of tax as you are not living in the UK but In the UK are two main tax shelters for investing are our pensions/SIPP's (in US 401k's/IRA's) or a stocks and shares ISA (in US Roth IRA) what is your preferred tax vehicle/shelter in the US and why?
-
Do you have any preferred strategies for drawing down a portfolio in retirement? Examples of this could be switching from accumulation funds to income funds to pay out a dividend quarterly. Timing of withdrawals? Keeping some cash for day to day expenses.
-
One thing I learnt from you is the importance of debt free living yet there are still allot of people out there who want to invest as much as they can before getting their debt cleared. Please explain why it makes so much more sense to get rid of debt before investing?
-
Talking about debt what are your thoughts on home ownership especially now with the high interest rate mortgages available? I call home ownership the main religion of UK and Ireland as it's very hard to stop people thinking of or following the script to buying a home when sometimes it may make more sense to rent. We have sayings like an English mans home is his castle and tons of property shows on the TV.
-
You wrote your blog the stock series to educate your daughter on investing who earlier in life had no real interest in it. There are not many people really into investing most don't even know they are an investor even if it's only through their workplace pension (401K) and couldn't tell you what they are invested in ie the fund. As the time has gone by has you daughter since taken up more of an interest in investing?
-
Any exciting future plans you'd like to share with the audience? Where is the best place my listeners can find you online.
Please check out JL Collins blog/website here: https://jlcollinsnh.com
Books:
The simple path to wealth:
https://amzn.to/4bh2enq
Pathfinders: Extraordinary Stories of People Like You on the Quest for Financial Independence―And How to Join Them:
https://amzn.to/4brOruD
How I lost money in real estate before it was fashionable - A cautionary tale:
https://amzn.to/3HzI2j1
51
- This is not phone advice please seek professional advice from a salesperson at your local O2, Vodafone or EE store. Although I personally use GiffGaff Pay As You Go.
My previous phone usage.
The good old days.
People are addicted.
Gaining your time back.
Being happier.
Scheduling time on the computer.
Try to live 7 days without smartphone to start.
Music: Sappheiros - Fragments https://youtu.be/z_BjjubkdBo (Much Respect)
Inspiration: Vishuddha Das https://youtu.be/GczvaLz-cCA (Great Video)
#50
Disclaimer:
We are not financial advisors. The content on this podcast and YouTube videos are for educational purposes only and merely cite our own personal opinions. In order to make the best financial decision that suits your own needs, you must conduct your own research and seek the advice of a licensed financial advisor if necessary. Know that all investments involve some form of risk and there is no guarantee that you will be successful in making, saving, or investing money; nor is there any guarantee that you won't experience any loss when investing. Always remember to make smart decisions and do your own research!
Tell us a very brief little bit more about yourself and your early career up until today and how you got started investing?
I’ve heard mentioned in other podcasts that you picked individual company stocks in your early days before discovering index investing. Do you still like to pick individual companies these days? What would you say are the dangers investors should watch out for?
When did you realise you were financially independent? How did it feel?
I know you did an excellent video referencing a scene from remake of the movie The Gambler. My idea of how I’ll feel when I hit financial Independence is just like at the end of that movie where Mark Wahlberg puts everything on black on the roulette table, wins and pays off all his loan shark/debtors and goes for a never ending run around the block :) How did you come up with the idea to make this video?
What is your view on Active vs. Passive investing?
Your approach to investing has influenced, inspired so many people including myself how did you discover this approach this strategy?
What are your thoughts on international investing vs going all in on the American market using either the S&P 500 or VTSAX (Vanguards total US market)?
I know there is a Canadian approach to indexing possibly inspired by Bogle heads to invest and split 3 ways into Canada, USA and international, where as in the UK we just pick a global index fund that allocates and re-adjusts in the proportions of global GDP. Like I get being overweight in US if you’re a US resident who spends in US Dollars and with USA making up 55-60% of the global market but being say 33% in Canada seems like allot? Admittedly stock index from home countries are usually offered cheaper and may have tax advantages. Is being overweight in home market quite risky?
Lets talk market crashes. It feels a long time since 2008 and it has been. Admittedly there was a wee correction in March 2020 but market soon bounced back. How do you handle these emotionally and stay focused to continuing investing? Also realizing the opportunity to buy more shares cheaper!
On the subject of behavioural investing. Investing has gotten very popular with the youth of today. Many different investment apps available on peoples smart phones, where you can almost invest in anything any time. I’ve also picked up that people are now checking their portfolios regularly which can lead to making stupid mistakes like buying and selling at the worst times. What are you thoughts on this and how often do you check your own portfolio yourself?
I know your strategy of choice is generally 100% equities up until when you are close to retiring or reaching your FI number then switching to at least 20% bonds and say 80% equities. In the UK we don’t have a total bond market. The closest I’ve seen to mirroring this is something like a 60% allocation to UK government bonds (intermediate) & 40% allocation to UK investment grade bonds (corporate bonds). With bonds not paying much interest these days and inflation getting up do you think this is still a wise option, have you considered any alternatives?
Talking about inflation my wife is Venezuelan and you will be aware of how out of control the inflation is over there. I know stocks can be a good hedge for inflation can you explain why this is?
Reading through your book and stock series blog I’ve noticed you mention your respect for Vanguard. Why do you like Vanguard so much? You will know you are not alone in this.
I work in the pensions industry and have a really hard time convincing my colleagues to look more into investing or even their own workplace pension’s and what it’s invested in. I noticed that your book Simple Path to Wealth and blog The Stock Series was written for your daughter as a kind of guide book on how to invest and get yourself set up for success. We’ve recently had our daughter born in June this year. Should I be writing things down for her to help and guide her. One of my biggest regrets was not learning this finance stuff earlier but no time like now, right?
Now I know you update your blog from time to time and of course your book is growing in popularity daily due to word of mouth. Any plans to do another book?
https://jlcollinsnh.com/stock-series/
https://twitter.com/JLCollinsNH
The Position of F U video by jlcollinsnh:
(*Warning Contains Strong Language)
https://youtu.be/eikbQPldhPY
A Guided Meditation for When the Stock Market Is Dropping:
https://youtu.be/OOGU94eL07E
#49
Disclaimer:
We are not financial advisors. The content on this podcast and YouTube videos are for educational purposes only and merely cite our own personal opinions. In order to make the best financial decision that suits your own needs, you must conduct your own research and seek the advice of a licensed financial advisor if necessary. Know that all investments involve some form of risk and there is no guarantee that you will be successful in making, saving, or investing money; nor is there any guarantee that you won't experience any loss when investing. Always remember to make smart decisions and do your own research!
1. Firstly, Tell us a bit about yourself and what got you into risk parity in investing?
-
When i first started getting interested in investing I read Harry Browns fail safe investing. What is your opinion on the Permanent portfolio strategy?
-
For someone young who is saving investing and in the accumulation phase it's typical for them to be 100% in global equities (typically in the UK) at what stage is a good time to think or take some action about switching a portion into other types of assets?
-
I notice that through different time periods certain assets perform better than others making the right choices is vital would you agree?
-
Being a citizen and resident in the USA do you mainly invest in USA index's or do you have some international exposure? Can this be of any help to diversify further?
-
What are your thoughts on currency risk? This can be an issue for UK investors as our home currency is the British Pound.
-
I note from your website and podcast that you have a few different test portfolios which has performed the best so far and why? Which has performed the worst so far and why?
-
Do you believe there is a certain percentage of each asset class say 10% minimum to make it matter to the overall impact it has in your portfolio?
-
A big focus is on asset allocation which is obviously important but what are your thoughts on asset location to protect from tax?
-
Can a simple traditional Stocks and Bonds (2 fund) portfolio be enough or is it important to diversify into more asset classes especially these days?
-
Am I right in thinking that the first 10 years in the preservation stage are the riskiest so investing diversified can help you get through that stage?
-
What are you thoughts on Gold, Crypto Currency and preferred stocks?
-
Any final words of wisdom or rules a DIY investor should consider following?
Please check out Frank Vasquez's website & podcast:
www.riskparityradio.com
#48
Disclaimer:
We are not financial advisors. The content on this podcast and YouTube videos are for educational purposes only and merely cite our own personal opinions. In order to make the best financial decision that suits your own needs, you must conduct your own research and seek the advice of a licensed financial advisor if necessary. Know that all investments involve some form of risk and there is no guarantee that you will be successful in making, saving, or investing money; nor is there any guarantee that you won't experience any loss when investing. Always remember to make smart decisions and do your own research!
1. Tell us a little about yourself, your background Etc.
-
On this particular show we are going to be focusing on Dividend Growth Investing which is an investment strategy Derek uses. Tell me how did you first discover this strategy and what attracted you to it?
-
On your website engineer my freedom.com I note you are currently investing in 40 companies. Companies like Coca-Cola, Cisco & Royal Dutch Shell.
How do you pick these companies?
4.Do you get concerned by being too heavy in one sector like say financial or Energy?
-
Does the geography of where the companies are based come into? Like obviously you live in Ireland and clearly wouldn’t want to invest only in Irish companies like say Ryanair but if you were living in USA it would be very tempting and easy to pick say 20-30 US based companies like Apple or Google.
-
I note from listening to some of your podcast’s that you are considering cutting the size of companies you hold in your portfolio from say 40 down to maybe 20 or 25. I personally would feel more diversified the more companies I hold shares in but admit it must be allot of effort and time focusing on having 40 companies to keep track of all of them and manage the portfolio. What is your main reason for building a more focused core portfolio and how do you plan to implement it?
-
You obviously will be receiving monthly or quarterly cash dividends which presumably you choose how they get reinvested and into which company to move them to. How do you decide on where to move the money. Like in a strategy I’m familiar with called the permanent portfolio you have Gold, Long Term Bonds, National Stocks and Cash which are all supposed to be 25% each asset so you would be aiming to keep everything in balance if it ever got out of whack. Is this the same in dividend growth investing: selling your winners and buying more of your losers?
-
How does tax work? I presume you pay tax on dividend’s payouts? I note you use a tax accountant/proffessional, how much of a difference has this made in saving on your taxes?
-
When you choose a company what are the key qualities you are looking for?
-
What are red flags for you? Could it be companies with allot of debt? Or industries that have been effected by new technologies or political changes in law etc.
-
I mentioned to you in a recent email that the only way I could convince my wife to start investing outside of her pension was that if she could invest in 2 companies one being Disney and the other being Starbucks. Since buying a share in both they’ve never quite recovered to more than we paid for the share but they keep getting close and going down again. My wife is determined to hold them forever and never sell. What are your thoughts on these companies and as a dividend growth investor would you personally drop them or just wait things out?
- How easy in Ireland is it to get started investing in Dividend Growth investing? I know in the UK we have the likes of trading 212 and the like.
-
If dividend growth investing wasn’t an option, how would you invest? Ie in property (as I know in Ireland like UK this is very popular) or index funds? Crypto? Gold?
-
Is there any good websites or books you can recommend to get started?
-
Finally Derek been a pleasure having you on what would be the best way for my listeners to find you online? Website? Twitter?
Be sure to check out Derek's website, Twitter and podcast:
https://www.engineermyfreedom.com
https://twitter.com/EMF_01
https://anchor.fm/dividend-talk
#47
Disclaimer:
We are not financial advisors. The content on this podcast and YouTube videos are for educational purposes only and merely cite our own personal opinions. In order to make the best financial decision that suits your own needs, you must conduct your own research and seek the advice of a licensed financial advisor if necessary. Know that all investments involve some form of risk and there is no guarantee that you will be successful in making, saving, or investing money; nor is there any guarantee that you won't experience any loss when investing. Always remember to make smart decisions and do your own research!
This episode we have Meagan from the financial blog Mrs Moneyhacker originally from Canada but now living in Ireland. We will be discussing investing from the perspective of living in Ireland. Been wanting to do a show about investing within Ireland for a while so my research led me to Meagan's awesome blog that I highly recommend.
-
Give us a little bit of your background, I can see you've moved all the way from rural Quebec to the Emerald Isle and what got you to start your blog Mrs. Money Hacker?
-
What first got you thinking about investing or the potential of financial independence?
-
I come across allot of blogs/podcasts mainly based in the USA about personal finance there are obviously a few in UK but not many about investing in Ireland curious to know how easy it is to invest in Ireland?
-
I note from your blog you follow an indexing ETF approach to investing (like myself) curious to know what you invest in these days?
-
With me being based in the UK and it being a small country I follow the global markets in using The Vanguard All World ETF and If I was to get bonds I would probably use UK Gov bonds/Gilts which would be sterling based potentially the currency I may well be spending in the future. Do you follow a similar approach I know you also have investments back in Canada as well as in Ireland so curious to know?
-
What are the typical investment vehicles available in Ireland that can be utilized? Typically in UK we use ISA's Tax Free Growth, Taxable Share Accounts, Tax deferred DC & DB Workplace Pensions and SIPP’s.
-
One of the things I picked up from your blog is that you don’t always follow what everyone else is doing. An example of this was when you were considering moving to Ireland your family in Canada were unsure it was the right thing to do as everything was going according to the script but it proved with time to be a great idea. You obviously make your own luck?
-
What is it you like so much about Ireland? because I can see you always had a plan to go back since first visiting.
8.1. I actually have an uncle who spent half his life living and working in Winnipeg, Canada and half his life in Ireland growing up there. He was always homesick for Ireland and only in recent years when his sons grew up and started their careers in Canada did he move back to live in Ireland. No place like home! Hey?
-
Along the same lines a common thing that is always recommended by financial gurus and Independent financial advisors is to make the most of your company pension or Self invested Personal Pension for my USA listeners the 401K plan. I am guilty of going along with this advice and I work in the pension industry. Was curious to know your thoughts on pensions? I do have my own doubts about losing control and governments changing rules, moving goal posts and future tax rates.
-
What are your thoughts on property investing? Ireland is a very expensive place to live having family over there or at least family in Kildare and Dublin and having made a few trips over the years I have noticed this.
-
Is there much of a community interested in personal finance in Ireland or within your immediate network? Like your work colleagues or circle of friends? I know Irish like Scottish enjoy having a good time
-
What are your views on consumer debt? Do you think it's OK to invest while still carrying consumer debt or better to wipe debt out first? Most would say mortgage debt is OK but anything like a high interest credit card not worthwhile.
-
Is there any finance books or books in general that you can recommend, ones that you really enjoyed and helped you on your journey?
-
I note from your a recent email you sent me that you like video games my personal favorite is Final Fantasy 7 (The Original) what are some of your fave games of all time?
-
From all your experience in investing what would be your advice to a young 20 Something who is considering starting investing but has no idea where to begin or where to go or who he needs to know? (Funny play on some Smiths Lyrics there)
-
Finally Meagan been an absolute pleasure having you on the show if any of my listeners would like to check out your work on the internet where would be the best place? I will link in the show notes.
Be sure to check out Meagan's finance Blog:
https://mrsmoneyhacker.com
#46
Disclaimer:
We are not financial advisors. The content on this podcast and YouTube videos are for educational purposes only and merely cite our own personal opinions. In order to make the best financial decision that suits your own needs, you must conduct your own research and seek the advice of a licensed financial advisor if necessary. Know that all investments involve some form of risk and there is no guarantee that you will be successful in making, saving, or investing money; nor is there any guarantee that you won't experience any loss when investing. Always remember to make smart decisions and do your own research!
Pay Yourself First!!!
How I first heard of the concept
Allocate a percentage of your wages say 5% or 10% or more
Put your name on the bill column
Do it before the bills
Move to a separate account
Can be accessible or locked away in a pension
Direct debit or standing order
Automatic payments
The advantage of the earlier you start the better due to magic of compounding
Helps with budgeting, how little can I live on this month?
Automation creates momentum and momentum is key
Importance of taking care of yourself first
Always save before you spend, money left in your account if you're like me you'll find a way to spend it.
Be mindful if you owe high interest credit cards or other types consumer debt
Honourable mentions:
Julio De Laffitte
https://youtu.be/nSXpmjNP2Ug
-
City Boys R Us
https://youtu.be/0cps1sWxvHs
-
Book: The Richest Man in Babylon by George S Clason
-
Podcast: https://podcasts.apple.com/us/podcast/superb-diamond-range/id930684983?mt=2 https://podcasts.google.com/?feed=aHR0cDovL3N1cGVyYmRpYW1vbmRyYW5nZS5saWJzeW4uY29tL3Jzcw https://tunein.com/podcasts/Educational/Superb-Diamond-Range-p677627/ https://www.stitcher.com/podcast/libsyn-9/superb-diamond-range Follow on: https://twitter.com/superbdiamondra https://www.youtube.com/channel/UCztKXSrR8fC4CbVVJ9aC8_w Contact the show: superbdiamondrange@gmail.com
#45
Disclaimer:
We are not financial advisors. The content on this podcast and YouTube videos are for educational purposes only and merely cite our own personal opinions. In order to make the best financial decision that suits your own needs, you must conduct your own research and seek the advice of a licensed financial advisor if necessary. Know that all investments involve some form of risk and there is no guarantee that you will be successful in making, saving, or investing money; nor is there any guarantee that you won't experience any loss when investing. Always remember to make smart decisions and do your own research!
About our guest today Perry of Stupid Is The Norm:
We are Perry and Will.
Stupid Is The Norm is the brainchild of Perry who has made every financial mistake there is to make. Combine that experience with the geeky prowess of Will, SITN was brought to life across multiple platforms.
Together we have created a programme that has brought Perry from bankruptcy, to now being able to invest £1200 + per month.
We are normal guys who are doing something extraordinary.
And believe that anyone can become wealthy, regardless of age, ability or education.
Which is why we want to show you how.
--
- Tell me a bit about yourself and what inspired the website, blog and YouTube videos of Stupid is the norm? 2. I can tell by your content that you are trying to inspire the average man/woman to work hard and too save and invest. I note from your videos that you work really hard and allot of hours. Sacrifice is important to achieve your goals? 3. I really like the common sense, fun way you approach getting the message across in your videos do you think this is a good way to spread the message of Financial Freedom? 4. What book, situation, movie/video or friend got you thinking more seriously about your finances? 5. I note from your excellent free PDF book (which is really good highly recommend) that you are a believer in investing in the FTSE 100 do you mainly focus on UK investing or do you also invest Globally? 6. What is your investing strategy? 7. Do you prefer ISA's to Pensions or a mix of both? 8. What are your thoughts about the state pension? 9. Do you think people who earn low or minimum wage with high expenses or debt always delay saving until a future pay rise or winning the lotto and should start now even if it's a small amount each month to begin with? 10. How do you feel about Debt? Obviously allot of people think It's ok to borrow or smash their credit cards. 11. What do you think of property investing? 12. Rent Vs Buy, which do you think makes the most sense? 13. How important do you think it is to develop a savings habit or to pay yourself first? 14. Allot of your content discussing mindset, one of my personal favs is a conversation with an idiot. Most people are living for today and not taking care of business. Like holidays nights at the pub take priority. How easy is it to change your mindset and beliefs? 15. Finally Perry been an absolute pleasure having you on the show. To finish, would you like to mention anything? Also where can my audience find you online? Please check out Stupid is the Norm: Website: https://www.stupidisthenorm.co.uk Twitter: https://twitter.com/stupidisthenorm ---- Podcast: https://podcasts.apple.com/us/podcast/superb-diamond-range/id930684983?mt=2 https://podcasts.google.com/?feed=aHR0cDovL3N1cGVyYmRpYW1vbmRyYW5nZS5saWJzeW4uY29tL3Jzcw https://tunein.com/podcasts/Educational/Superb-Diamond-Range-p677627/ https://www.stitcher.com/podcast/libsyn-9/superb-diamond-range Follow on: https://twitter.com/superbdiamondra https://www.youtube.com/channel/UCztKXSrR8fC4CbVVJ9aC8_w Contact the show: superbdiamondrange@gmail.com
44
Disclaimer:
We are not financial advisors. The content on this podcast and YouTube videos are for educational purposes only and merely cite our own personal opinions. In order to make the best financial decision that suits your own needs, you must conduct your own research and seek the advice of a licensed financial advisor if necessary. Know that all investments involve some form of risk and there is no guarantee that you will be successful in making, saving, or investing money; nor is there any guarantee that you won't experience any loss when investing. Always remember to make smart decisions and do your own research!
Interview with Ed Mills The Millionaire Educator. Ed is a huge inspiration to me personally as well as to many others interested in Financial Independence and within the FIRE community. Ed Mills shows the path he as a teacher and his family have taken to take care of business and their future using various retirement saving pots like the 401K and Roth IRA and 457B Plan. Ed's advice is to avoid debt, become a hard core saver and work a plan, even if it's not perfect just getting started can leads to great results in the long term. The front loading strategy. Ed also discusses the tax advantages of saving in Pre-Retirement accounts. Ed's courage and willingness to move jobs and location to break service and move money to a better platform with lower costs. Geoarbitrage advantages. Also Ed has a passion for travel particularly Mexico and South America. As well as to be careful of the plan fee's. Types of investments.
Be sure to check out Ed's Website:
https://www.millionaireeducator.com
Twitter: @Ed_Mills_
---- Podcast: https://podcasts.apple.com/us/podcast/superb-diamond-range/id930684983?mt=2 https://podcasts.google.com/?feed=aHR0cDovL3N1cGVyYmRpYW1vbmRyYW5nZS5saWJzeW4uY29tL3Jzcw https://tunein.com/podcasts/Educational/Superb-Diamond-Range-p677627/ https://www.stitcher.com/podcast/libsyn-9/superb-diamond-range Follow on: https://twitter.com/superbdiamondra https://www.youtube.com/channel/UCztKXSrR8fC4CbVVJ9aC8_w Contact the show: superbdiamondrange@gmail.com
43
Disclaimer:
We are not financial advisors. The content on this podcast and YouTube videos are for educational purposes only and merely cite our own personal opinions. In order to make the best financial decision that suits your own needs, you must conduct your own research and seek the advice of a licensed financial advisor if necessary. Know that all investments involve some form of risk and there is no guarantee that you will be successful in making, saving, or investing money; nor is there any guarantee that you won't experience any loss when investing. Always remember to make smart decisions and do your own research!
Welcome Lars to the superb diamond range show, it’s an honour to have you on the show. So Lars could you start by telling our listeners a little about you and your background?
Before we talk about your preferred investing strategy, what are your thoughts on buying individual stocks and in people believing they have an edge over the market? Your strategy is not particularly complex which drew me to it. In fact it is very simple and low cost it generally involves 2 possibly 3 funds (if you wanted to add corporate bonds as well as government bonds). Can investing really be this simple and easy? Now generally speaking there are two parts to your strategy a global equity stocks part and a local/national currency you live in dominated bond part if it makes sense where you live. Please can you tell our listeners about the Equity side? Presumably this will be the engine and riskier side of the investment. Advantages: Shares offer higher returns, diversity away from home. I notice allot of default occupational pensions have a heavy leaning to the UK for example as well as the Vanguards Lifestrategy range. Currency risk is another thing to look out for which leads to allot of individual investors being heavy in their home market. What's your opinion on home bias? Now would you mind telling us about the volatility reducer or as I refer to them the breaks of the fast car? This would be for the fixed income side of the portfolio. Bonds? Thoughts on adding corporate bonds to this mix? I have heard a 60% Gov bonds to 40% Corporate bonds can be a good blend. Also heard corporate bonds can behave like stocks in a crash so would you not be better off increasing global equities to take a bit more risk and just hold less Gov bonds. You mention in your book 'investing demystified' and 'YouTube' videos about the lowest risk asset available, what would you describe that as and if you believe such a thing exists in todays market? Do you have a personal preference on using say index funds Vs say ETF's? How important do you feel liquidity is with investing? Here in the UK we have tax sheltered vehicles like pensions and stocks and shares ISA's. Do you have any suggestions where best to hold certain assets. You often hear about asset allocation this question more fefers to asset location. So for example you may choose to hold Global equities mainly in your ISA and then Mostly fixed income Gov bonds in your pension. Any thoughts on this? Obviously you mention it's very important to think about taxes as it can really derail your plans. Each individual has different risk tolerances, ages, situations and incomes. Would you recommend seeking help from a financial adviser to determine their risk levels to figure out their asset allocation? Obviously there is many rules of thumb out there like your age minus 100 equals your bond portion or the 120 and 110 rule. I note from a previous podcast you were on called 'Informed Choice Radio' you said you should really only buy what fund you need at the time and to take time to assess your allocation if you feel it needs changing or updating according to where you are in your life financially. Making emotional or behavioural mistakes within investing is quite common particularly for beginners. Obviously you can make this low cost approach to investing unnecessarily expensive and defeat it's purpose and simplicity. What is your take on charges for dealing fees within platforms and mistakes individual investors make by over trading with their investments say possibly even changing funds allot? Or even trying to time the market? You're currently living in my old home town London where house prices are really crazy, scary even and even renting can be extremely expensive depending on the area and type of place. I personally like the freedom renting gives but will admit sometimes purchasing property can make sense when you make the right calculations. What is your opinion on property investing? Curious to hear your opinion on investing in Gold, be it owning it physically as well as through an ETF? Any thoughts on Bitcoin or Crypto currency investing? I'm personally not that interested in it but I realise it's quite popular these days. This is the bogleheads forum page I first discovered Lars Kroijer in:
https://www.bogleheads.org/forum/viewtopic.php?t=237134
Be sure to check out Lars's Website:
https://www.kroijer.com
&
Awesome Youtube video series:
https://www.youtube.com/watch?v=_chiIIxMGl0&list=PLXy71rkGuCjXLg9N8zowwUpXCYfBcMJFK
---- Podcast: https://podcasts.apple.com/us/podcast/superb-diamond-range/id930684983?mt=2 https://podcasts.google.com/?feed=aHR0cDovL3N1cGVyYmRpYW1vbmRyYW5nZS5saWJzeW4uY29tL3Jzcw https://tunein.com/podcasts/Educational/Superb-Diamond-Range-p677627/ https://www.stitcher.com/podcast/libsyn-9/superb-diamond-range Follow on: https://twitter.com/superbdiamondra https://www.youtube.com/channel/UCztKXSrR8fC4CbVVJ9aC8_w Contact the show: superbdiamondrange@gmail.com
42
Interview with Jennifer Kempson of the Mamafurfur Blog & Youtube channel.
Tell us a bit about yourself and how you got interested in personal finance and helping others through your blog and YouTube channel?
Do you identify with the FIRE movement? What is your investment strategy? Allocations? What are your thoughts on stocks and share ISAs vs Pensions? How important do you think having a budget is? What is your idea of a good emergency fund? You've done some videos on mortgages, your thoughts on overpaying vs paying the typical minimum monthly amount and investing on the side? Do you have any interest in owning rental properties? What are your thoughts on the student debt crisis globally? Why do you think we are not taught much about personal finance at school? Do you think it's important for parents to teach their children about money? I have an unreal interest in reading up about personal finance and investing and i'm sure you do as well but would you say many people we know in are every day lives may be less interested in finances. For example people i meet at work have no interest in their pension or even what it's invested in. Any thoughts? I note you are a big fan of Vanguard like me. How did you first find out about this company? Do you have any favourite books? Can be finance books or any type. With the message that you're spreading and the help your giving others. What motivates you? Be sure to check out Jennifer's Blog: https://mamafurfur.com & Awesome YouTube Channel: https://www.youtube.com/channel/UCPvSN7kot8zJUreVzs-0y8A ---- Podcast: https://podcasts.apple.com/us/podcast/superb-diamond-range/id930684983?mt=2 https://podcasts.google.com/?feed=aHR0cDovL3N1cGVyYmRpYW1vbmRyYW5nZS5saWJzeW4uY29tL3Jzcw https://tunein.com/podcasts/Educational/Superb-Diamond-Range-p677627/ https://www.stitcher.com/podcast/libsyn-9/superb-diamond-range Follow on: https://twitter.com/superbdiamondra https://www.youtube.com/channel/UCztKXSrR8fC4CbVVJ9aC8_w Contact the show: superbdiamondrange@gmail.com
41 Disclaimer: Regarding Copyright Infringement. Content will not be monetised. All respect and credit goes to the creators of these legendary games and composers. Sega, Konami, [Merlin] Xelon Entertainment and Square Enix. Yuzo Koshiro, Michiru Yamane and the great Nobuo Uematsu. In this show majority of the music is from my personal favourite game of all time Final Fantasy 7, as well as music and gameplay sound from Streets of Rage 1 (Still holds up) and another one of my favourites Castlevania: Symphony of the night! Firstly, I play a comparison of the music from FFVII on the PC Vs original PS1 Music. Much prefer the original PS1. More comparisons can be found by the Great Aaron Mavrinac who took the time to put together a musical comparison. Here is a link to Aaron's Youtube channel: https://www.youtube.com/watch?v=7EAlFvLFtt8 I thank him for waking me up to this. Track List is as follows: * Aaron Mavrinac FFVII PC (1st) Vs PS1(2nd) music comparison.
- Streets of Rage 1 intro music, character select and first stage.
- Castlevania Symphony of the night intro music and first stage.
- FFVII
- Secret of the deep sea
- Cosmo Canyon
- Cid's theme
- Hurry
- Countdown
- Fort condor
- Gold saucer
- Birth of a God
- Aerith's theme
- To finish on the Greatest: One-Winged Angel
Podcast: https://podcasts.apple.com/us/podcast/superb-diamond-range/id930684983?mt=2 https://podcasts.google.com/?feed=aHR0cDovL3N1cGVyYmRpYW1vbmRyYW5nZS5saWJzeW4uY29tL3Jzcw https://tunein.com/podcasts/Educational/Superb-Diamond-Range-p677627/ https://www.stitcher.com/podcast/libsyn-9/superb-diamond-range Follow on: https://twitter.com/superbdiamondra https://www.youtube.com/channel/UCztKXSrR8fC4CbVVJ9aC8_w Contact the show: superbdiamondrange@gmail.com
40: In this 45 minute show we play the music of: * Double Dragon NES
- Double Dragon Gameboy
- Tetris Arcade
- Tetris Type A Gameboy
- Sonic 1 including Intro,Green Hill Zone & Starlight Zone
- Sonic 2 including Emerald Hill Zone, Chemical Plant Zone, Metropolis Zone & Sky Chase Zone
- Mario Bros 3 The Movement
- Super Streetfighter 2 including Ryu,Ken,M.Bison/Balrog & Guile's theme.
Disclaimer: Regarding Copyright Infringement. Content will not be monetised. All respect and credit goes to the creators of these legendary games and composers. Technos Japan, Alexey Pajitnov, Sega, Nintendo and Capcom USA/Japan. Kazunaka Yamane, Bradinsky, Masato Nakamua & Yoko Shimomura.
Podcast: https://podcasts.apple.com/us/podcast/superb-diamond-range/id930684983?mt=2 https://podcasts.google.com/?feed=aHR0cDovL3N1cGVyYmRpYW1vbmRyYW5nZS5saWJzeW4uY29tL3Jzcw https://tunein.com/podcasts/Educational/Superb-Diamond-Range-p677627/ https://www.stitcher.com/podcast/libsyn-9/superb-diamond-range Follow on: https://twitter.com/superbdiamondra https://www.youtube.com/channel/UCztKXSrR8fC4CbVVJ9aC8_w Contact the show: superbdiamondrange@gmail.com
39
- Legal: I am not a financial expert and all of the advice and information presented in my podcasts is purely anecdotal. Always consult with a financial expert before investing or moving your money— especially if you are an American or British Citizen as US/UK tax laws are very complicated.
Investing in either an ISA (after Tax) or a workplace pension or sipp Pre-Tax.
Choosing your investments.
Stocks, Bonds & REITs.
Investment behaviour.
I love Vanguard.
Picking an Allocation.
Risk Level.
How I invest.
Always use a tax free vehicle like a pension or isa.
Pensions vs Isa's.
Always take full advantage of your employer match, it's free money after all. No better deal in the market.
Recommended reading: Fail Safe investing by Harry Brown, Investing Demysified by Lars Kroijer and The stock series Blog and Simple path to wealth book by Jim Collins.
Podcast: https://podcasts.apple.com/us/podcast/superb-diamond-range/id930684983?mt=2 https://podcasts.google.com/?feed=aHR0cDovL3N1cGVyYmRpYW1vbmRyYW5nZS5saWJzeW4uY29tL3Jzcw https://tunein.com/podcasts/Educational/Superb-Diamond-Range-p677627/ https://www.stitcher.com/podcast/libsyn-9/superb-diamond-range Follow on: https://twitter.com/superbdiamondra https://www.youtube.com/channel/UCztKXSrR8fC4CbVVJ9aC8_w Contact the show: superbdiamondrange@gmail.com
38
Keeping up with the jones's, must have the latest and greatest new iPhone.
Buying a phone cash Vs Financing a phone over a lengthy contract.
The belief that pay as you go/prepay is more expensive than contract.
Sim only contract option, 30 day contract or 12 month.
Network quality, bad experiences with poor signal, dropped calls etc.
Getting the balance of affordable but good quality.
Data plans, do we really need so much data.
Notifications overload.
WhatsApp or Skype over wifi, VOIP options ETC.
Don't be fooled to renew contract, it may be a trap.
My current plan on pay as you go.
Podcast: https://podcasts.apple.com/us/podcast/superb-diamond-range/id930684983?mt=2 https://podcasts.google.com/?feed=aHR0cDovL3N1cGVyYmRpYW1vbmRyYW5nZS5saWJzeW4uY29tL3Jzcw https://tunein.com/podcasts/Educational/Superb-Diamond-Range-p677627/ https://www.stitcher.com/podcast/libsyn-9/superb-diamond-range Follow on: https://twitter.com/superbdiamondra https://www.youtube.com/channel/UCztKXSrR8fC4CbVVJ9aC8_w Contact the show: superbdiamondrange@gmail.com
37:
What is a mortgage? How do they work?
My personal experience with Mortgages?
Own Bank Vs. Broker.
The mortgage application.
Credit score can determine the interest rate.
Different types of Mortgages i.e. Fixed rate, Variable rate (Baloon in USA) and interest only. Fixed rate for short period and then remortgage.
15 year, 25 year, 30 year or 40 year term, what is best.
Home ownership Vs renting.
Overpayments without penalty bi weekly or monthly overpayment strategies to shorten mortgage and pay less interest.
Benefits of an emergency saving and avoiding foreclosure.
The sooner you pay off the mortgage the better, it can equal allot of freedom.
Your biggest monthly expense is no more.
36
What are Credit Cards? How do they work?
My personal experience with Credit Cards?
Interest. Billing cycle. Grace Period. Interest free period. Balance Transfer.
Rewards i.e. Airmiles or Cashback. It lures you to spend more.
Late fees. Balance Transfers.
Pay in full each month.
Section 75 consumer credit act: Gives protection if companies go bust but visa debit cards also have these protections in place.
Do you really need a Credit Card?
Cash is still king! Always has and will be!
Emergency savings are a better option then running up Credit Card balances.
Credit Card merchant fees can lead to paying more than necessary.
Not always wise to use credit cards, have you proven to yourself and others to be a good steward of money?
Podcast: https://podcasts.apple.com/us/podcast/superb-diamond-range/id930684983?mt=2 https://podcasts.google.com/?feed=aHR0cDovL3N1cGVyYmRpYW1vbmRyYW5nZS5saWJzeW4uY29tL3Jzcw https://tunein.com/podcasts/Educational/Superb-Diamond-Range-p677627/ https://www.stitcher.com/podcast/libsyn-9/superb-diamond-range Follow on: https://twitter.com/superbdiamondra https://www.youtube.com/channel/UCztKXSrR8fC4CbVVJ9aC8_w Contact the show: superbdiamondrange@gmail.com
35:
What is an overdraft? What is it meant for?
Overdraft protection. Covers shortfalls in your income. Even if you don't have sufficient funds in your account. It allows you to complete transactions that other wise wouldn't go through. Avoids unauthorised overdrafts which leads to fees penalties.
My first ever debt was an overdraft.
Spain story.
Overdraft protection: Who are they protecting me from myself or my bills?
Had a good friend with income and always using their overdraft.
My advice to friend.
Friend of a friends spouse visa refused over constantly being overdrawn.
Going for a mortgage, pitfalls of always being overdrawn.
Alternatives to overdrafts i.e. build cash buffer over time.
Try to avoid paying direct debit for your bills.
Students and living in their overdrafts. Interest free offers to tempt.
Why are you transferring your wealth to these banks?
Podcast: https://podcasts.apple.com/us/podcast/superb-diamond-range/id930684983?mt=2 https://podcasts.google.com/?feed=aHR0cDovL3N1cGVyYmRpYW1vbmRyYW5nZS5saWJzeW4uY29tL3Jzcw https://tunein.com/podcasts/Educational/Superb-Diamond-Range-p677627/ https://www.stitcher.com/podcast/libsyn-9/superb-diamond-range Follow on: https://twitter.com/superbdiamondra https://www.youtube.com/channel/UCztKXSrR8fC4CbVVJ9aC8_w Contact the show: superbdiamondrange@gmail.com
34:
Special mention to:
Robert Kiyasaki
http://www.richdad.com
Dave Ramsey
http://www.daveramsey.com
David Bach
https://davidbach.com
For influencing me to create this new financial series which will discuss all things financial and hopefully help many of my listeners.
Most important: Pay Yourself First!!!
Pay date.
Direct deposit of your pay/wages, not cheques, make it automatic.
Pay by standing order rather than direct debit.
Get all bills to come out a day or two after payday.
Stay away from recurring card payments!
Paying your credit card bills briefly. Manually make early payments to avoid late fees and penalties.
Keep a cash buffer of ideally one months expenses if not work towards building up this reserve.
Aim at lowering all your expenses. Aim to be Lean.
Negotiate with existing companies for best cheapest deals.
Don't always stay if loyalty doesn't reward, ditch and switch.
Switch your Gas and Electric to the best value deal and save 100's.
Podcast: https://podcasts.apple.com/us/podcast/superb-diamond-range/id930684983?mt=2 https://podcasts.google.com/?feed=aHR0cDovL3N1cGVyYmRpYW1vbmRyYW5nZS5saWJzeW4uY29tL3Jzcw https://tunein.com/podcasts/Educational/Superb-Diamond-Range-p677627/ https://www.stitcher.com/podcast/libsyn-9/superb-diamond-range Follow on: https://twitter.com/superbdiamondra https://www.youtube.com/channel/UCztKXSrR8fC4CbVVJ9aC8_w Contact the show: superbdiamondrange@gmail.com
33:
In my honest opinion all Gambling is bad.
Work friend on a fruit machine - Never gave up.
Father on Horse Racing.
You work hard for your money why not put it to a better use like buying an asset, buy a loaf of bread, some fruit and veg or some rice.
I've spoken in an earlier episode about the Lottery, It ain't worth the money, It's a waste!
They call it harmless fun, It isn't fun losing this months rent/mortgage going into arrears. It can lead to you and your family being out on the street.
How gambling compares to drug use or alcoholism.
There are better places to be than a bookies A.K.A betting shop. Did you ever hear of a betting shop going out of business?
The gambling industry makes too much money off the people and the gamblers and their families are always suffering and in misery.
Why not save your money. Spend less than you earn and perhaps wisely invest the difference.
KJV 1611 Bible Quotes on gambling.
Give rather than gamble, as giving is good, a positive action. Gambling will always be negative.
http://www.gamcare.org.uk
http://www.nhs.uk/Livewell/addiction/Pages/gamblingaddiction.aspx
https://www.gamblersanonymous.org.uk
Podcast: https://podcasts.apple.com/us/podcast/superb-diamond-range/id930684983?mt=2 https://podcasts.google.com/?feed=aHR0cDovL3N1cGVyYmRpYW1vbmRyYW5nZS5saWJzeW4uY29tL3Jzcw https://tunein.com/podcasts/Educational/Superb-Diamond-Range-p677627/ https://www.stitcher.com/podcast/libsyn-9/superb-diamond-range Follow on: https://twitter.com/superbdiamondra https://www.youtube.com/channel/UCztKXSrR8fC4CbVVJ9aC8_w Contact the show: superbdiamondrange@gmail.com
32:
In this episode Superb interviews Bea Johnson who is living the zero waste lifestyle to the maximum. Bea is an expert on the Zero Waste Lifestyle and really does practise what she preaches and makes it seem so appealing to lead a simpler, less stressful life and be good to the environment for a better tomorrow. Together we discuss how Bea started her journey on the Zero waste lifestyle, how it affected friends and family, recycling and the environment, as well as plastic bags and last but not least Toilet paper :)
Please check out Bea's Website: http://www.zerowastehome.com
And her book: http://www.zerowastehome.com/p/book.html
Podcast: https://podcasts.apple.com/us/podcast/superb-diamond-range/id930684983?mt=2 https://podcasts.google.com/?feed=aHR0cDovL3N1cGVyYmRpYW1vbmRyYW5nZS5saWJzeW4uY29tL3Jzcw https://tunein.com/podcasts/Educational/Superb-Diamond-Range-p677627/ https://www.stitcher.com/podcast/libsyn-9/superb-diamond-range Follow on: https://twitter.com/superbdiamondra https://www.youtube.com/channel/UCztKXSrR8fC4CbVVJ9aC8_w Contact the show: superbdiamondrange@gmail.com
31:
In this episode, Superb compares his experiences with the 3 main operating systems Windows, Mac and Linux. He also lists the pros and cons of each OS. His troubles with each of them and what he likes most about them.
Podcast: https://podcasts.apple.com/us/podcast/superb-diamond-range/id930684983?mt=2 https://podcasts.google.com/?feed=aHR0cDovL3N1cGVyYmRpYW1vbmRyYW5nZS5saWJzeW4uY29tL3Jzcw https://tunein.com/podcasts/Educational/Superb-Diamond-Range-p677627/ https://www.stitcher.com/podcast/libsyn-9/superb-diamond-range Follow on: https://twitter.com/superbdiamondra https://www.youtube.com/channel/UCztKXSrR8fC4CbVVJ9aC8_w Contact the show: superbdiamondrange@gmail.com
30:
Superb Range interviews Nina Altenberger also known as The Minimalist Ninja on the fascinating topic of Minimalism. Together we discuss the impact minimalism has on family & friends, personal finance, environment and consumer culture worldwide. Nina is very inspiring and has been truly living the minimalist lifestyle to it's fullest. She has plenty of first hand experience, as well as expert knowledge on the topic.
Please do check out Nina's The Minimalist Ninja YouTube Channel:
https://www.youtube.com/channel/UCSmBhccHcivrgm8V6akDGUw
Podcast: https://podcasts.apple.com/us/podcast/superb-diamond-range/id930684983?mt=2 https://podcasts.google.com/?feed=aHR0cDovL3N1cGVyYmRpYW1vbmRyYW5nZS5saWJzeW4uY29tL3Jzcw https://tunein.com/podcasts/Educational/Superb-Diamond-Range-p677627/ https://www.stitcher.com/podcast/libsyn-9/superb-diamond-range Follow on: https://twitter.com/superbdiamondra https://www.youtube.com/channel/UCztKXSrR8fC4CbVVJ9aC8_w Contact the show: superbdiamondrange@gmail.com
#29:
- My personal experiences of playing the lottery.
- Gives false hope
- The answer to everything
- A Crutch
- A easy way out
- A Brief history of the lottery.
- A dream, It could be you!
- More likely to ... than win
- Waste of money
- Fools game
- Bible quotes on Gambling
- OK, so what's the secret to winning the lottery?
- New Twitter & Website address and new Apps for sale
Podcast: https://podcasts.apple.com/us/podcast/superb-diamond-range/id930684983?mt=2 https://podcasts.google.com/?feed=aHR0cDovL3N1cGVyYmRpYW1vbmRyYW5nZS5saWJzeW4uY29tL3Jzcw https://tunein.com/podcasts/Educational/Superb-Diamond-Range-p677627/ https://www.stitcher.com/podcast/libsyn-9/superb-diamond-range Follow on: https://twitter.com/superbdiamondra https://www.youtube.com/channel/UCztKXSrR8fC4CbVVJ9aC8_w Contact the show: superbdiamondrange@gmail.com
28:
- Running always been part of my life ie. School days, Sports day & cross country.
- Keeping fit by running.
- Entering races with friends like 5k,10k and half Marathons.
- Taking the plunge into a full Marathon.
- Fear of failing.
- Doubters and naysayers ie. Work colleagues, Friends,Family & Acquantances.
- Training or lack of, danger!
- Big day experience, crowds and support.
- Doing it for charity, to raise money for important causes.
- Losing the fear.
- I'll be back! only in a rerun.
Podcast: https://podcasts.apple.com/us/podcast/superb-diamond-range/id930684983?mt=2 https://podcasts.google.com/?feed=aHR0cDovL3N1cGVyYmRpYW1vbmRyYW5nZS5saWJzeW4uY29tL3Jzcw https://tunein.com/podcasts/Educational/Superb-Diamond-Range-p677627/ https://www.stitcher.com/podcast/libsyn-9/superb-diamond-range Follow on: https://twitter.com/superbdiamondra https://www.youtube.com/channel/UCztKXSrR8fC4CbVVJ9aC8_w Contact the show: superbdiamondrange@gmail.com
27:
- Big Supermarkets: Gatekeepers
- Convenience Stores
- Illusion of choice, food brands
- Soup at Lidl
- Walmart fact
- Small local banks and Credit Unions
- The myth of bigger is better
- Cousins opinion on Irish economy
- Environment
- Experience
- The vibe
Podcast: https://podcasts.apple.com/us/podcast/superb-diamond-range/id930684983?mt=2 https://podcasts.google.com/?feed=aHR0cDovL3N1cGVyYmRpYW1vbmRyYW5nZS5saWJzeW4uY29tL3Jzcw https://tunein.com/podcasts/Educational/Superb-Diamond-Range-p677627/ https://www.stitcher.com/podcast/libsyn-9/superb-diamond-range Follow on: https://twitter.com/superbdiamondra https://www.youtube.com/channel/UCztKXSrR8fC4CbVVJ9aC8_w Contact the show: superbdiamondrange@gmail.com
#26:
- Water is essential.
- Our bodies are 50-70 percent water.
- Benefits of water.
- Friend in Supermarket on hot summers day doesn't choose water, looking for a more tasteful drink.
- If in the dessert the last thing you'll want is Coca Cola or Beer, Water is King!
- City Tap water, London tap water.
- Water in third world countries.
- Distilled Water.
- Distiller machines vs bottled distilled.
- Scottish water is great probably allot to do with the fact it hasn't been privatised like England.
- Lemon in the glass.
- Shower Filters a worthwhile investment.
- Make an effort to drink more water.
- Marcus Sesbury shop at mama-penguin.co.uk
- Andrew Norton Webber at http://aquariusthewaterbearer.com
Podcast: https://podcasts.apple.com/us/podcast/superb-diamond-range/id930684983?mt=2 https://podcasts.google.com/?feed=aHR0cDovL3N1cGVyYmRpYW1vbmRyYW5nZS5saWJzeW4uY29tL3Jzcw https://tunein.com/podcasts/Educational/Superb-Diamond-Range-p677627/ https://www.stitcher.com/podcast/libsyn-9/superb-diamond-range Follow on: https://twitter.com/superbdiamondra https://www.youtube.com/channel/UCztKXSrR8fC4CbVVJ9aC8_w Contact the show: superbdiamondrange@gmail.com
25:
Art Of Self Confidence.
- School days.
- At the day job.
- Talking about Sport, I.E Mike Tyson's supreme confidence.
- Breaking ice with Sport I.E Football all the time.
- Were all powerful.
Podcast: https://podcasts.apple.com/us/podcast/superb-diamond-range/id930684983?mt=2 https://podcasts.google.com/?feed=aHR0cDovL3N1cGVyYmRpYW1vbmRyYW5nZS5saWJzeW4uY29tL3Jzcw https://tunein.com/podcasts/Educational/Superb-Diamond-Range-p677627/ https://www.stitcher.com/podcast/libsyn-9/superb-diamond-range Follow on: https://twitter.com/superbdiamondra https://www.youtube.com/channel/UCztKXSrR8fC4CbVVJ9aC8_w Contact the show: superbdiamondrange@gmail.com
#24:
- Superb pods about the Homelessness situation worldwide.
- Homelessness in USA, UK, China & South America.
- Big and small homeless charities work.
- Help the homeless in your community directly in anyway you can, give them support.
Podcast: https://podcasts.apple.com/us/podcast/superb-diamond-range/id930684983?mt=2 https://podcasts.google.com/?feed=aHR0cDovL3N1cGVyYmRpYW1vbmRyYW5nZS5saWJzeW4uY29tL3Jzcw https://tunein.com/podcasts/Educational/Superb-Diamond-Range-p677627/ https://www.stitcher.com/podcast/libsyn-9/superb-diamond-range Follow on: https://twitter.com/superbdiamondra https://www.youtube.com/channel/UCztKXSrR8fC4CbVVJ9aC8_w Contact the show: superbdiamondrange@gmail.com
#23:
- Types of beer. Wheat beer, Stouts, IPA.
- Best beers. Northern Light, Innis and gunns, brew dog.
- Worst beers.
- Foreign beers. German, belgian, polish are not bad. Import the crap i.e. stella
- Beer with food particularly Asian Cuisine.
- Hangover in a can, i.e. Budweiser, Fosters,
- Drink from a bottle or glass for better taste.
- Making you’re own beer, for personal use.
- Water.
- Guinness in Ireland, Heineken in holland.
- Local is best.
- Super bok gets you super blocked which gets you super sick. Portugal
- Health benefits.
Podcast: https://podcasts.apple.com/us/podcast/superb-diamond-range/id930684983?mt=2 https://podcasts.google.com/?feed=aHR0cDovL3N1cGVyYmRpYW1vbmRyYW5nZS5saWJzeW4uY29tL3Jzcw https://tunein.com/podcasts/Educational/Superb-Diamond-Range-p677627/ https://www.stitcher.com/podcast/libsyn-9/superb-diamond-range Follow on: https://twitter.com/superbdiamondra https://www.youtube.com/channel/UCztKXSrR8fC4CbVVJ9aC8_w Contact the show: superbdiamondrange@gmail.com
22:
In this episode i'll be discussing Streetfighter 2 my favourite arcade/video game of all time.
- My Introduction to the game and Streetfighter universe.
- Best fighters in general.
- My favourite fighter.
- Special moves, the games trademark.
- Best music.
- The bosses name changes in Europe & USA answered thanks to Wikipedia.
- Fighters in the arcade mode who if in form were unbeatable.
- The competitiveness of playing complete strangers in social clubs or friends.
- The console versions.
- Best ever street fighter games in the series.
- Funny stories of the olde arcade days.
- The corner shop that accepted the old 50 pences.
- Friend turning off arcade whilst man is on round 3 vs M. Bison or Vega for our US listeners. Now hilarious but at the time it was terrible.
- I owned an arcade machine once upon a time.
Podcast: https://podcasts.apple.com/us/podcast/superb-diamond-range/id930684983?mt=2 https://podcasts.google.com/?feed=aHR0cDovL3N1cGVyYmRpYW1vbmRyYW5nZS5saWJzeW4uY29tL3Jzcw https://tunein.com/podcasts/Educational/Superb-Diamond-Range-p677627/ https://www.stitcher.com/podcast/libsyn-9/superb-diamond-range Follow on: https://twitter.com/superbdiamondra https://www.youtube.com/channel/UCztKXSrR8fC4CbVVJ9aC8_w Contact the show: superbdiamondrange@gmail.com
#21:
- Setting up your bills end or beginning of the month, depending on pay date.
- Direct debits bad
- Standing orders good
- Cash Vs Credit cards
- Debt is bad
- Credit unions vs banks predatory thieves
- The rich ruleth over the poor, and the borrower is servant to the lender.
- Pay Yourself First!
Podcast: https://podcasts.apple.com/us/podcast/superb-diamond-range/id930684983?mt=2 https://podcasts.google.com/?feed=aHR0cDovL3N1cGVyYmRpYW1vbmRyYW5nZS5saWJzeW4uY29tL3Jzcw https://tunein.com/podcasts/Educational/Superb-Diamond-Range-p677627/ https://www.stitcher.com/podcast/libsyn-9/superb-diamond-range Follow on: https://twitter.com/superbdiamondra https://www.youtube.com/channel/UCztKXSrR8fC4CbVVJ9aC8_w Contact the show: superbdiamondrange@gmail.com
20:
Podcast: https://podcasts.apple.com/us/podcast/superb-diamond-range/id930684983?mt=2 https://podcasts.google.com/?feed=aHR0cDovL3N1cGVyYmRpYW1vbmRyYW5nZS5saWJzeW4uY29tL3Jzcw https://tunein.com/podcasts/Educational/Superb-Diamond-Range-p677627/ https://www.stitcher.com/podcast/libsyn-9/superb-diamond-range Follow on: https://twitter.com/superbdiamondra https://www.youtube.com/channel/UCztKXSrR8fC4CbVVJ9aC8_w Contact the show: superbdiamondrange@gmail.com
19:
Podcast: https://podcasts.apple.com/us/podcast/superb-diamond-range/id930684983?mt=2 https://podcasts.google.com/?feed=aHR0cDovL3N1cGVyYmRpYW1vbmRyYW5nZS5saWJzeW4uY29tL3Jzcw https://tunein.com/podcasts/Educational/Superb-Diamond-Range-p677627/ https://www.stitcher.com/podcast/libsyn-9/superb-diamond-range Follow on: https://twitter.com/superbdiamondra https://www.youtube.com/channel/UCztKXSrR8fC4CbVVJ9aC8_w Contact the show: superbdiamondrange@gmail.com
18:
Please Check out Randy's website:
http://www.bitcoinvenezuela.com
&
https://twitter.com/btcven
Podcast: https://podcasts.apple.com/us/podcast/superb-diamond-range/id930684983?mt=2 https://podcasts.google.com/?feed=aHR0cDovL3N1cGVyYmRpYW1vbmRyYW5nZS5saWJzeW4uY29tL3Jzcw https://tunein.com/podcasts/Educational/Superb-Diamond-Range-p677627/ https://www.stitcher.com/podcast/libsyn-9/superb-diamond-range Follow on: https://twitter.com/superbdiamondra https://www.youtube.com/channel/UCztKXSrR8fC4CbVVJ9aC8_w Contact the show: superbdiamondrange@gmail.com
#17
Podcast: https://podcasts.apple.com/us/podcast/superb-diamond-range/id930684983?mt=2 https://podcasts.google.com/?feed=aHR0cDovL3N1cGVyYmRpYW1vbmRyYW5nZS5saWJzeW4uY29tL3Jzcw https://tunein.com/podcasts/Educational/Superb-Diamond-Range-p677627/ https://www.stitcher.com/podcast/libsyn-9/superb-diamond-range Follow on: https://twitter.com/superbdiamondra https://www.youtube.com/channel/UCztKXSrR8fC4CbVVJ9aC8_w Contact the show: superbdiamondrange@gmail.com
#16:
Podcast: https://podcasts.apple.com/us/podcast/superb-diamond-range/id930684983?mt=2 https://podcasts.google.com/?feed=aHR0cDovL3N1cGVyYmRpYW1vbmRyYW5nZS5saWJzeW4uY29tL3Jzcw https://tunein.com/podcasts/Educational/Superb-Diamond-Range-p677627/ https://www.stitcher.com/podcast/libsyn-9/superb-diamond-range Follow on: https://twitter.com/superbdiamondra https://www.youtube.com/channel/UCztKXSrR8fC4CbVVJ9aC8_w Contact the show: superbdiamondrange@gmail.com
#15:
Podcast: https://podcasts.apple.com/us/podcast/superb-diamond-range/id930684983?mt=2 https://podcasts.google.com/?feed=aHR0cDovL3N1cGVyYmRpYW1vbmRyYW5nZS5saWJzeW4uY29tL3Jzcw https://tunein.com/podcasts/Educational/Superb-Diamond-Range-p677627/ https://www.stitcher.com/podcast/libsyn-9/superb-diamond-range Follow on: https://twitter.com/superbdiamondra https://www.youtube.com/channel/UCztKXSrR8fC4CbVVJ9aC8_w Contact the show: superbdiamondrange@gmail.com
14:
Podcast: https://podcasts.apple.com/us/podcast/superb-diamond-range/id930684983?mt=2 https://podcasts.google.com/?feed=aHR0cDovL3N1cGVyYmRpYW1vbmRyYW5nZS5saWJzeW4uY29tL3Jzcw https://tunein.com/podcasts/Educational/Superb-Diamond-Range-p677627/ https://www.stitcher.com/podcast/libsyn-9/superb-diamond-range Follow on: https://twitter.com/superbdiamondra https://www.youtube.com/channel/UCztKXSrR8fC4CbVVJ9aC8_w Contact the show: superbdiamondrange@gmail.com
13:
Podcast: https://podcasts.apple.com/us/podcast/superb-diamond-range/id930684983?mt=2 https://podcasts.google.com/?feed=aHR0cDovL3N1cGVyYmRpYW1vbmRyYW5nZS5saWJzeW4uY29tL3Jzcw https://tunein.com/podcasts/Educational/Superb-Diamond-Range-p677627/ https://www.stitcher.com/podcast/libsyn-9/superb-diamond-range Follow on: https://twitter.com/superbdiamondra https://www.youtube.com/channel/UCztKXSrR8fC4CbVVJ9aC8_w Contact the show: superbdiamondrange@gmail.com
12:
Podcast: https://podcasts.apple.com/us/podcast/superb-diamond-range/id930684983?mt=2 https://podcasts.google.com/?feed=aHR0cDovL3N1cGVyYmRpYW1vbmRyYW5nZS5saWJzeW4uY29tL3Jzcw https://tunein.com/podcasts/Educational/Superb-Diamond-Range-p677627/ https://www.stitcher.com/podcast/libsyn-9/superb-diamond-range Follow on: https://twitter.com/superbdiamondra https://www.youtube.com/channel/UCztKXSrR8fC4CbVVJ9aC8_w Contact the show: superbdiamondrange@gmail.com
11:
Podcast: https://podcasts.apple.com/us/podcast/superb-diamond-range/id930684983?mt=2 https://podcasts.google.com/?feed=aHR0cDovL3N1cGVyYmRpYW1vbmRyYW5nZS5saWJzeW4uY29tL3Jzcw https://tunein.com/podcasts/Educational/Superb-Diamond-Range-p677627/ https://www.stitcher.com/podcast/libsyn-9/superb-diamond-range Follow on: https://twitter.com/superbdiamondra https://www.youtube.com/channel/UCztKXSrR8fC4CbVVJ9aC8_w Contact the show: superbdiamondrange@gmail.com
10:
Podcast: https://podcasts.apple.com/us/podcast/superb-diamond-range/id930684983?mt=2 https://podcasts.google.com/?feed=aHR0cDovL3N1cGVyYmRpYW1vbmRyYW5nZS5saWJzeW4uY29tL3Jzcw https://tunein.com/podcasts/Educational/Superb-Diamond-Range-p677627/ https://www.stitcher.com/podcast/libsyn-9/superb-diamond-range Follow on: https://twitter.com/superbdiamondra https://www.youtube.com/channel/UCztKXSrR8fC4CbVVJ9aC8_w Contact the show: superbdiamondrange@gmail.com
9:
Podcast: https://podcasts.apple.com/us/podcast/superb-diamond-range/id930684983?mt=2 https://podcasts.google.com/?feed=aHR0cDovL3N1cGVyYmRpYW1vbmRyYW5nZS5saWJzeW4uY29tL3Jzcw https://tunein.com/podcasts/Educational/Superb-Diamond-Range-p677627/ https://www.stitcher.com/podcast/libsyn-9/superb-diamond-range Follow on: https://twitter.com/superbdiamondra https://www.youtube.com/channel/UCztKXSrR8fC4CbVVJ9aC8_w Contact the show: superbdiamondrange@gmail.com
8:
Podcast: https://podcasts.apple.com/us/podcast/superb-diamond-range/id930684983?mt=2 https://podcasts.google.com/?feed=aHR0cDovL3N1cGVyYmRpYW1vbmRyYW5nZS5saWJzeW4uY29tL3Jzcw https://tunein.com/podcasts/Educational/Superb-Diamond-Range-p677627/ https://www.stitcher.com/podcast/libsyn-9/superb-diamond-range Follow on: https://twitter.com/superbdiamondra https://www.youtube.com/channel/UCztKXSrR8fC4CbVVJ9aC8_w Contact the show: superbdiamondrange@gmail.com
7:
Podcast: https://podcasts.apple.com/us/podcast/superb-diamond-range/id930684983?mt=2 https://podcasts.google.com/?feed=aHR0cDovL3N1cGVyYmRpYW1vbmRyYW5nZS5saWJzeW4uY29tL3Jzcw https://tunein.com/podcasts/Educational/Superb-Diamond-Range-p677627/ https://www.stitcher.com/podcast/libsyn-9/superb-diamond-range Follow on: https://twitter.com/superbdiamondra https://www.youtube.com/channel/UCztKXSrR8fC4CbVVJ9aC8_w Contact the show: superbdiamondrange@gmail.com
6:
Podcast: https://podcasts.apple.com/us/podcast/superb-diamond-range/id930684983?mt=2 https://podcasts.google.com/?feed=aHR0cDovL3N1cGVyYmRpYW1vbmRyYW5nZS5saWJzeW4uY29tL3Jzcw https://tunein.com/podcasts/Educational/Superb-Diamond-Range-p677627/ https://www.stitcher.com/podcast/libsyn-9/superb-diamond-range Follow on: https://twitter.com/superbdiamondra https://www.youtube.com/channel/UCztKXSrR8fC4CbVVJ9aC8_w Contact the show: superbdiamondrange@gmail.com
5:
Podcast: https://podcasts.apple.com/us/podcast/superb-diamond-range/id930684983?mt=2 https://podcasts.google.com/?feed=aHR0cDovL3N1cGVyYmRpYW1vbmRyYW5nZS5saWJzeW4uY29tL3Jzcw https://tunein.com/podcasts/Educational/Superb-Diamond-Range-p677627/ https://www.stitcher.com/podcast/libsyn-9/superb-diamond-range Follow on: https://twitter.com/superbdiamondra https://www.youtube.com/channel/UCztKXSrR8fC4CbVVJ9aC8_w Contact the show: superbdiamondrange@gmail.com
4:
Podcast: https://podcasts.apple.com/us/podcast/superb-diamond-range/id930684983?mt=2 https://podcasts.google.com/?feed=aHR0cDovL3N1cGVyYmRpYW1vbmRyYW5nZS5saWJzeW4uY29tL3Jzcw https://tunein.com/podcasts/Educational/Superb-Diamond-Range-p677627/ https://www.stitcher.com/podcast/libsyn-9/superb-diamond-range Follow on: https://twitter.com/superbdiamondra https://www.youtube.com/channel/UCztKXSrR8fC4CbVVJ9aC8_w Contact the show: superbdiamondrange@gmail.com
3:
Podcast: https://podcasts.apple.com/us/podcast/superb-diamond-range/id930684983?mt=2 https://podcasts.google.com/?feed=aHR0cDovL3N1cGVyYmRpYW1vbmRyYW5nZS5saWJzeW4uY29tL3Jzcw https://tunein.com/podcasts/Educational/Superb-Diamond-Range-p677627/ https://www.stitcher.com/podcast/libsyn-9/superb-diamond-range Follow on: https://twitter.com/superbdiamondra https://www.youtube.com/channel/UCztKXSrR8fC4CbVVJ9aC8_w Contact the show: superbdiamondrange@gmail.com
2:
Podcast: https://podcasts.apple.com/us/podcast/superb-diamond-range/id930684983?mt=2 https://podcasts.google.com/?feed=aHR0cDovL3N1cGVyYmRpYW1vbmRyYW5nZS5saWJzeW4uY29tL3Jzcw https://tunein.com/podcasts/Educational/Superb-Diamond-Range-p677627/ https://www.stitcher.com/podcast/libsyn-9/superb-diamond-range Follow on: https://twitter.com/superbdiamondra https://www.youtube.com/channel/UCztKXSrR8fC4CbVVJ9aC8_w Contact the show: superbdiamondrange@gmail.com
1:
Podcast: https://podcasts.apple.com/us/podcast/superb-diamond-range/id930684983?mt=2 https://podcasts.google.com/?feed=aHR0cDovL3N1cGVyYmRpYW1vbmRyYW5nZS5saWJzeW4uY29tL3Jzcw https://tunein.com/podcasts/Educational/Superb-Diamond-Range-p677627/ https://www.stitcher.com/podcast/libsyn-9/superb-diamond-range Follow on: https://twitter.com/superbdiamondra https://www.youtube.com/channel/UCztKXSrR8fC4CbVVJ9aC8_w Contact the show: superbdiamondrange@gmail.com