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WELCOME

Welcome to 3M, a podcast about a better way to think and manage your life. Click on this hyperlink for the 3M.MBA page on the website of Fixed Cost Financial, Inc. The winning 3M formula involves one or a combination of making more, spending less, adjusting expectations, and having a fiduciary in your corner. Minting Millionaire Mindsets is a philosophy, not a twelve round boxing match. 3M is brought to you by Fixed Cost Financial. Fixed Cost Financial is a true fiduciary based investment advisor that is affordable, accessible, and transparent. With Fixed Cost Financial, you have a true fiduciary in your corner. Try it now at FixedCostFinancial.com.

If you have questions, ideas, or a comment use our contact form at the bottom of the contact page.

DISCLAIMER

Due to our extensive holdings, that of our clients and your host, you should assume that we have a position in all companies discussed and that a conflict of interest exists. By listening, reading, or using this podcast and website in any manner, you understand the information presented is provided for informational purposes only and agree to our Terms of Use and Privacy Policy. Nothing on this site should be construed as an offer, recommendation, or solicitation to buy or sell a security. Fixed Cost Financial does not provide tax advice and investors are encouraged to consult with their tax professional.

CONTACT

Our phone number is 212-433-2525. If you would like to schedule a 15-minute Zoom audio or video consultation, click HERE.

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Keywords

Investing, finance, fiduciary, coronavirus, minting millionaire mindsets, connecting dots, education

View Details

WELCOME

Welcome to 3M, a podcast about a better way to think and manage your life. Click on this hyperlink for the 3M.MBA page on the website of Fixed Cost Financial, Inc. The winning 3M formula involves one or a combination of making more, spending less, adjusting expectations, and having a fiduciary in your corner. Minting Millionaire Mindsets is a philosophy, not a twelve round boxing match. 3M is brought to you by Fixed Cost Financial. Fixed Cost Financial is a true fiduciary based investment advisor that is affordable, accessible, and transparent. With Fixed Cost Financial, you have a true fiduciary in your corner. Try it now at FixedCostFinancial.com.

If you have questions, ideas, or comment use our contact form at the bottom of the contact page.

DISCLAIMER

Due to our extensive holdings, that of our clients and your host, you should assume that we have a position in all companies discussed and that a conflict of interest exists. By listening, reading, or using this podcast and website in any manner, you understand the information presented is provided for informational purposes only and agree to our Terms of Use and Privacy Policy. Nothing on this site should be construed as an offer, recommendation, or solicitation to buy or sell a security. Fixed Cost Financial does not provide tax advice and investors are encouraged to consult with their tax professional.

CONTACT

Our phone number is 212-433-2525. If you would like to schedule a 15-minute Zoom audio or video consultation, click HERE.

What is a True Fiduciary? Click Here.

What is Commission Addiction? Click Here.

Sign up for our newsletter. Click Here.

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Paul Grant Truesdell, J.D., AIF 0:02

Well, this will be the last public episode of Connecting Dots. It's been an awful lot of fun as well as a tremendous learning experience. When it comes to podcasting, well on a regular basis we've been doing Connecting Dots. But you see, it's not really ending. Instead of Connecting Dots will be limited to clients of Fixed Cost Financial. If you're interested in learning more about what we're doing, you can take a look at the show notes where we will explain exactly what's going on with Connecting Dot. Now, with that said, here's a brief summary.

Paul Grant Truesdell, J.D., AIF 0:38

We examined and experimented with over 160 episodes, different ways to provide information to you and then of course of doing that we discovered that, well, some people like short other people like it long so in other words, short episodes versus long deep dives and everything in between. We took a lot of time to discuss with a wide variety of people what it is that they like and didn't like our conclusion was really simple. The overwhelming majority of those who listen to podcast like it short, sweet and to the point, and so we had to make a decision as to who is our audience and how are we going to deal with the audience. We came to a simple conclusion that most people need to have us help them in the Minting of Millionaire Mindsets as their priority and goal in life.

Paul Grant Truesdell, J.D., AIF 1:33

Minting Millionaire Mindsets is something that I have talked about and developed over the course of 30 years. And so I decided I'm going to share it now with everyone.

Paul Grant Truesdell, J.D., AIF 1:46

I can tell you without any doubt or hesitation that if you have the right mindset, you can achieve a whole lot more in life than if you have some other type of mindset, and again, it always comes down to a mindset. I cannot emphasize enough how important it is for people to get their act together and to understand how important it is to stay focused and centered on yourself and to understand what we call the five components of wealth. And what we have here is important. And I can tell you, it has worked for me and it will work for you.

Paul Grant Truesdell, J.D., AIF 2:25

Now, if you're a client of ours, I encourage you to listen to this again Minting Millionaire Mindsets. And as a client, you're going to enjoy the exclusive benefits of Connecting Dot. Now because you're a client, you already have more than likely achieved the Minting of Millionaire Mindsets. And you'll notice that we use the word mindsets as a plural rather than as a singular because Minting Millionaire Mindsetds is multifaceted.

Paul Grant Truesdell, J.D., AIF 2:57

For example, you know, we've talked a lot about physical illness and people who have no intellectual capability but the world centers on the mindset. You can be physically challenged, you can be intellectually challenged. But if you have mentored a millionaire mindset, you're going to achieve a whole lot more than those who are physically gifted and intellectually gifted. Now the key components of wealth are in the order of importance, physical, emotional, intellectual, relationships, and financial and you'll notice that the very end is financial. The most important component for most people is the one that is least important to most people again, physical wealth trumps everything. And if you're feeling physically wealthy, and you're overwhelmed by the controlling forces out there that you feel like you don't have control over always remember you control the overwhelming majority of your wealth.

Paul Grant Truesdell, J.D., AIF 3:56

Now look, I get it. There are some people who are challenged at birth, there are victims of accidents, illnesses, acts of violence. But generally speaking, most people are in lousy shape because they didn't stay in shape. It's your own fault. They didn't stay in shape because they didn't Mint a Millionaire Mindset. When it comes to physical wealth, all the money in the world is not going to keep you from dying. And if you live this lifestyle, like so many do, where one doesn’t do anything, well, it's pretty tough. We're going to be tough on you, but because I don't know you we’re having this conversation and you're listening. If you got upset by that you've got a real problem. But I do know one thing is absolutely true. This is going to be the most powerful, impactful thing on a lot of people's lives, not Connecting Dots, that’s the refinement is like taking that diamond and polishing it and cutting it into a just a beautiful marquee cut, but for now, here's the thing. It's Minting Millionaire Mindsets.

Paul Grant Truesdell, J.D., AIF 4:55

In the last three to four years, I have spent a tremendous amount of time reacquainting myself with men and women from border-to-border, coast-to-coast, and all walks of life, background income, race, sex, national origin, occupation didn't make any difference. And I can tell you those who have Minted their Millionaire Mindsets, well, they make it and those who don't, don't.

Paul Grant Truesdell, J.D., AIF 5:18

So Connecting Dots has been an absolute ball. But there's no doubt that we had a lot of fun doing it. And we're going to continue but it's over the head of most people, don't get upset with that. Because if you get upset with that you lack emotional maturity to get ahead and Connecting Dots is designed to challenge and really get into some hardcore issues that you got to deal with first things first, which is Minting Millionaire Mindsets. Again, we're going to restrict Connecting Dots predominantly to clients. And now with that said, once a month we'll share what we're talking about connecting dots with non-clients. There'll be a summary and you can kind of see what goes on. Now what we will not do, however, share an entire episode or segments rather, what we'll do is we'll review the highlight and concepts we talked about. And frankly, it'll be a teaser for you to become a client.

Paul Grant Truesdell, J.D., AIF 6:08

So if you want to become a client, what do you do is go to FixedCostFinancial.com and follow the instructions and the way we do it, it's better because it's simple and works. Because when you have a true fiduciary in your corner that's affordable, accessible and transparent, you've got a winning combination. If you're actually in the game, and you're ready to step up and your view of yourself, yourself as a lifestyle where business is a lifestyle. Well, if you've got that mindset, and you found a home here at Fixed Cost Financial and Minting Millionaire Mindsets is ideal for those want to achieve and retain their status in life. And when you listen to upcoming Connecting Dots, the deep dives that we're going to go into you're going to say well, I'll be darned. How about that. So with that, continue with us with Connecting Dots. It's simple if you're a client. And the way we do it, it's better because it's simple and works full transparency, full accessibility and affordability. But regardless, you've got to have and continue to do what we call Minting Millionaire Mindsets.

Paul Grant Truesdell, J.D., AIF 7:18

So thank you for joining us for over 160 episodes. I look forward to you joining us as a prospective or actual client as we continue this journey. We're going to make a detour now we're going to start rolling out Minting Millionaire Mindsets, the 3M podcasts are here, and it doesn't get any better than this.

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Show Notes

1. Take responsibility
2. Do what you like
3. Do what you’re good at
4. Do what you are profitable at
5. Do what you can control
6. Do what’s right for you, stop conforming and being a lemming
7. Don’t let propaganda and fake main-stream media news think for you, think for yourself
8. Embrace creativity and those who are willing to take a chance.
9. Stop thinking small regardless of how large or small you live. Thinking is limitless and one year’s experience for 50 years is not the same as 50 years of experience packed into five to ten years
10. Stop wasting time following others.
11. Destroy the FOMO in your life.
12. Engage physically with strength, endurance, and flexibility training, with natural nutrition and hydration, and everything in moderation.
13. Power up your emotional wealth by knowing when to react, how to react, and having patience.
14. Fire up your intellectual wealth with a breadth of knowledge, depth of knowledge, and old fashion common sense.
15. Focus on partners, associates, and business acquaintances for improved financial wealth.
16. Then there are those who you call friends. Friends and business do not mix well.
17. It is easy to say buy low and sell high, but most buy high and sell low.
18. The same goofy views take place when you want professionals to be your friend; it does not work.
19. Professionals know and understand you, but they do not cross the line.
20. Professionals remain true fiduciaries, regardless of the situation.

We believe in and abide by true fiduciary-based principles, and do what we do, day in and day out.

Segment 1 Links:

https://www.wsj.com/articles/tesla-targets-u-s-auto-makers-profit-engine-with-electric-pickup-11574341200?mod=hp_lead_pos4

https://rivian.com

https://www.youtube.com/watch?v=rTGn76YljUM

https://www.youtube.com/watch?v=IOF56Q5hdG4

https://www.youtube.com/watch?v=llu-ckEe5cQ

Segment 2 Links:

https://nosidebar.com/limiting-social-media/

https://hbr.org/2016/09/dont-waste-your-time-on-networking-events

Segment 3 Links:

https://www.profgalloway.com/time-machines-species-failure/

https://www.nytimes.com/2018/12/05/technology/facebook-emails-privacy-data.html

Segment 5 Links:

https://www.libertymutualgroup.com/about-lm/news/news-release-archive/articles/new-study-finds-teens-fear-of-missing-out-is-proving-to-be-dangerous

https://adaa.org/learn-from-us/from-the-experts/blog-posts/consumer/tips-get-over-your-fomo-or-fear-missing-out

https://www.apa.org/monitor/2016/02/smartphone

https://www.theatlantic.com/magazine/archive/2018/07/the-dangers-of-distracted-parenting/561752/

https://www.mother.ly/parenting/12-tips-to-help-you-put-your-phone-away-in-front-of-your-kid

https://www.washingtonpost.com/lifestyle/on-parenting/feeling-like-the-smartphone-has-taken-over-your-childs-life-experts-talk-about-how-to-regain-control/2019/08/21/f3c7655a-a260-11e9-b8c8-75dae2607e60_story.html

https://www.healthcentral.com/article/fear-of-missing-out-fomo-leads-to-depression

Segment 8 Links:

https://puttylike.com/small-talk/

https://runyourown.social/#license

Segment 9 Links:

linkedin.com/in/randycalabrese

https://www.boltongroup.com

Segment 10 Links:

https://www.isabellestephenson.com

​Call: (732) 331-2246

​isabellestephensoncoach@gmail.com

https://www.isabellestephenson.com/blog

The FCF Newsletter – Sign Up Now

The email you will receive provides a brief introduction to the content on our blog and podcast that we think you may find of interest. We also provide links to articles, documents, podcasts, and videos of others that we feel you may find of interest.

In an age of unsolicited emails, you can trust FCF to keep your information confidential. We do not spam you with junk email or daily emails; which we absolutely hate ourselves. We adhere to a two-week email schedule, which may be more frequent is a significant event takes place. We never share your email addresses with any third party, and we never send unwanted emails to you. We are a company that protects and safeguard the privacy of our prospective and existing clients. See our privacy policy for more information.

No Easy Money

Making, spending, saving, investing, this money stuff isn’t easy. No kidding. We know it, understand it, and get it. The bottom line is this, if you are not financially independent, then you need to do one or a combination of three things: make more, spend less, adjust your expectations, Even though it’s easy for us, it’s not for 95% of the U.S. population. For every 100,000 Americans, there are approximately 295 medical doctors, 40 lawyers nationwide (788 in DC, 90 in New York, and 64 in Maryland), 203 CPAs, 400 accountants, 63 financial analysts, and 15 investment advisor representatives. We are a true fiduciary-based investment advisor and that makes us a very rare breed. If you are a bit confused as to what an investment advisor is, don’t worry, you’re at the right place. We’ll make sure you know what a true-fiduciary based investment advisor is and is not.

Connecting Dots is Sponsored By Fixed Cost Financial, Inc.The home of Fixed Cost Investing℠

A True Fiduciary-Based Investment Advisor
DOTS.fm / FixedCostFinancial.com / 212-433-2525

Disclaimer

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

View Details

1. 00:00:00 Introduction
2. 00:01:19 Financial Planner or Advisor - The lack of trust from a lack of consistent definition between the word planner and advisor.
3. 00:04:14 Laser Sword versus the Drone - A simple low-power and inexpensive presentation tool is taking on the man in the sky.
4. 00:06:36 Boss, Can you chip into my Go Fund - More employers are offering to help pay off student debt. Here's an interesting take to secure longer-term employment.
5. 00:10:00 Slowing Down Will Kill You - Physical wealth is the most important component of the five components of wealth that we've created. Slowing down physically will kill you. Don't slow down.
6. 00:15:47 Overnight Riches & Next Day Poorhouses - 2020 is right around the corner and the get rich scams are starting their blow out advertising to lure the weak-minded into attending the next and greatest get rich seminar. Hogwash remains hogwash.
7. 00:18:13 The Long-Term Rip Off By Way of Insurance - Listen to what Paul Truesdell has to say about long-term care insurance. This is the man who called it decades ago, especially with Penn Treaty.
8. 00:24:02 Agriculture. Weather, and Morals - The weather can and does cause issues with farmers. Are we looking at a natural disaster? Not likely but tough times could be ahead. It's natural, not man-made.
9. 00:57:39 Connecting Dots Ending
10. 00:58:39 After Show Discussion
11. 01:01:36 Money Lessons from Woodstock 1969, 1994, and 2019

Additional Show notes can be found at DOTS.fm

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Sign Up Now - Our newsletter posted on a bi-weekly basis.

Your Privacy – Our Top Concern

In an age of unsolicited emails, you can trust FCF to keep your information confidential. We do not spam you with junk email or daily emails; which we absolutely hate ourselves. We adhere to a two-week email schedule, which may be more frequent is a significant event takes place. We never share your email addresses with any third party, and we never send unwanted emails to you. We are a company that protects and safeguard the privacy of our prospective and existing clients. See our privacy policy for more information.

Newsletter Content: The FCF Blog and Connecting Dots Podcast

The email you receive provides a brief introduction to the content on our blog and podcast that we think you may find of interest. We also provide links to articles, documents, podcasts, and videos of others that we feel you may find of interest.

Our Writing Style

We strongly encourage all FCF home office and field personnel to keep it short, simple, and to the point. We think mathematically and make liberal use of bullet points and lists. Long-ago we learned that our style of writing must be concise, well organized, and formatted to ensure ease when scanning a document for important information.

This Money Stuff Isn’t Easy

No kidding. We know that. Even though it’s easy for us, it’s not for 95% of the U.S. population. Per 100,000 Americans, there are approximately 295 medical doctors, 40 lawyers nationwide (788 in DC, 90 in New York, and 64 in Maryland), 203 CPAs, 400 accountants, 63 financial analysts, and 15 investment advisor representatives. Moreover, so, if you happen to be a bit confused as to what an investment advisor is, don’t worry, you’re at the right place. We’ll make sure you know what a true-fiduciary based investment advisor is and how rare we are.

Today’s Podcaster: Paul Grant Truesdell, J.D., AIF | CEO

Disclaimer

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

View Details

1. November 13, 2019, Introduction and Disclaimer 00:00
2. Traffic Congestion and Time for Money Management and Learning 02:21
3. November S&P Case-Shiller National Home Price Index 05:12
4. Aramco Going Public, Not Interested 06:59
5. Chicken Little, the Talking Head for CNN, NBC, CBS, ABC on the US-China Trade War 08:03
6. Home Depot and the Private Fixed residential Investment Index 10:07
7. The Harvard leading Indicator of Remodeling Activity Index 15:24
8. Facebook and Twitter Contribute to the Growth in Networking 18:39
9. Sniffing Dirt at Starbucks with Apple Cores 24:18
10. Life Coaching and Isabelle Stephenson 28:23
11. Google, Facebook, Your Auto Repair Shop, and Lawn Care Guy is now in the Lending and Credit Business 32:50
12. Connecting Dots Ending 37:23
13. Bonus - Seeking Fiduciary-Based Accountant Planner 38.25

Links of Interest

DOTS.fm
Westshore Alliance - Tampa, Florida
LinkedIn Local Tampa
Network After Work
Bay 3
Armature Works
Centre Club
Truesdell Law
MyCity Co-Working
Bull Horn Communications - LinkedIn
Todd Hall ID Shield - LinkedIn

News Links of Interest

"A recent Coldwell Banker report estimated that millennials stand to inherit almost $68 trillion in assets from their baby boomer parents in what’s being called the “Great Wealth Transfer.” This will be one of the items we will discuss in the next Connecting Dots.

The next Connecting Dots episode, this will be one of the items we will discuss.

Black student loan borrowers are more likely to struggle to repay their debts — here’s why - This will be one of the items we will discuss in the next Connecting Dots.

It’s important to teach the value of money early on - This will be one of the items we will discuss in the next Connecting Dots.

Saudi Aramco to offer $1bn in shares to staff - This will be one of the items we will discuss in the next Connecting Dots.

Grey market: Dubai dealers call for crackdown on cheaper cars entering the UAE - This will be one of the items we will discuss in the next Connecting Dots.

Disclaimer

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

View Details

Sponsored by Fixed Cost Financial, Inc.

The home of Fixed Cost Investing℠

212-433-2525

Sign Up Now!

Sign Up Now - Our newsletter posted on a bi-weekly basis.

Your Privacy – Our Top Concern

In an age of unsolicited emails, you can trust FCF to keep your information confidential. We do not spam you with junk email or daily emails; which we absolutely hate ourselves. We adhere to a two-week email schedule, which may be more frequent is a significant event takes place. We never share your email addresses with any third party, and we never send unwanted emails to you. We are a company that protects and safeguard the privacy of our prospective and existing clients. See our privacy policy for more information.

Newsletter Content: The FCF Blog and Connecting Dots Podcast

The email you receive provides a brief introduction to the content on our blog and podcast that we think you may find of interest. We also provide links to articles, documents, podcasts, and videos of others that we feel you may find of interest.

Our Writing Style

We strongly encourage all FCF home office and field personnel to keep it short, simple, and to the point. We think mathematically and make liberal use of bullet-points and lists. Long-ago we learned that our style of writing must be concise, well organized, and formatted to ensure ease when scanning a document for important information.

This Money Stuff Isn’t Easy

No kidding. We know that. Even though it’s easy for us, it’s not for 95% of the U.S. population. Per 100,000 Americans, there are approximately 295 medical doctors, 40 lawyers nationwide (788 in DC, 90 in New York, and 64 in Maryland), 203 CPAs, 400 accountants, 63 financial analysts, and 15 investment advisor representatives. Moreover, so, if you happen to be a bit confused as to what an investment advisor is, don’t worry, you’re at the right place. We’ll make sure you know what a true-fiduciary based investment advisor is and how rare we are.

Today’s Podcaster

Paul Grant Truesdell, J.D., AIF | CEO

Founder of Fixed Cost Investing℠

Sponsored by Fixed Cost Financial, Inc.

The home of Fixed Cost Investing℠

212-433-2525

Disclaimer

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

View Details

Boeing and its subcontractors have relied on temporary workers making as little as $9 an hour to develop and test software, often from countries lacking a deep background in aerospace. Nuts? Damn right it's nuts. And where are many of these people coming from? India.

Boeing’s 737 Max Software Outsourced to $9-an-Hour Engineers

An anonymous reader quotes a report from Bloomberg
Hacker News

Today’s Podcaster

Paul Grant Truesdell, J.D., AIF | CEO

Founder of Fixed Cost Investing℠

Sponsored by Fixed Cost Financial, Inc.

The home of Fixed Cost Investing℠

212-433-2525

Sign Up Now!

Sign Up Now - Our newsletter posted on a bi-weekly basis.

Your Privacy – Our Top Concern

In an age of unsolicited emails, you can trust FCF to keep your information confidential. We do not spam you with junk email or daily emails; which we absolutely hate ourselves. We adhere to a two-week email schedule, which may be more frequent is a significant event takes place. We never share your email addresses with any third party, and we never send unwanted emails to you. We are a company that protects and safeguard the privacy of our prospective and existing clients. See our privacy policy for more information.

Newsletter Content: The FCF Blog and Connecting Dots Podcast

The email you receive provides a brief introduction to the content on our blog and podcast that we think you may find of interest. We also provide links to articles, documents, podcasts, and videos of others that we feel you may find of interest.

Our Writing Style

We strongly encourage all FCF home office and field personnel to keep it short, simple, and to the point. We think mathematically and make liberal use of bullet points and lists. Long-ago we learned that our style of writing must be concise, well organized, and formatted to ensure ease when scanning a document for important information.

This Money Stuff Isn’t Easy

No kidding. We know that. Even though it’s easy for us, it’s not for 95% of the U.S. population. Per 100,000 Americans, there are approximately 295 medical doctors, 40 lawyers nationwide (788 in DC, 90 in New York, and 64 in Maryland), 203 CPAs, 400 accountants, 63 financial analysts, and 15 investment advisor representatives. Moreover, so, if you happen to be a bit confused as to what an investment advisor is, don’t worry, you’re at the right place. We’ll make sure you know what a true-fiduciary based investment advisor is and how rare we are.

Today’s Podcaster

Paul Grant Truesdell, J.D., AIF | CEO

Founder of Fixed Cost Investing℠

Sponsored by Fixed Cost Financial, Inc.

The home of Fixed Cost Investing℠

212-433-2525

Disclaimer

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

View Details

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

View Details

Today’s Podcaster

Paul Grant Truesdell, J.D., AIF | CEO

Founder of Fixed Cost Investing℠

Sponsored by Fixed Cost Financial, Inc.

The home of Fixed Cost Investing℠

212-433-2525

Sign Up Now!

Sign Up Now - Our newsletter posted on a bi-weekly basis.

Your Privacy – Our Top Concern

In an age of unsolicited emails, you can trust FCF to keep your information confidential. We do not spam you with junk email or daily emails; which we absolutely hate ourselves. We adhere to a two-week email schedule, which may be more frequent is a significant event takes place. We never share your email addresses with any third party, and we never send unwanted emails to you. We are a company that protects and safeguard the privacy of our prospective and existing clients. See our privacy policy for more information.

Newsletter Content: The FCF Blog and Connecting Dots Podcast

The email you receive provides a brief introduction to the content on our blog and podcast that we think you may find of interest. We also provide links to articles, documents, podcasts, and videos of others that we feel you may find of interest.

Our Writing Style

We strongly encourage all FCF home office and field personnel to keep it short, simple, and to the point. We think mathematically and make liberal use of bullet-points and lists. Long-ago we learned that our style of writing must be concise, well organized, and formatted to ensure ease when scanning a document for important information.

This Money Stuff Isn’t Easy

No kidding. We know that. Even though it’s easy for us, it’s not for 95% of the U.S. population. Per 100,000 Americans, there are approximately 295 medical doctors, 40 lawyers nationwide (788 in DC, 90 in New York, and 64 in Maryland), 203 CPAs, 400 accountants, 63 financial analysts, and 15 investment advisor representatives. Moreover, so, if you happen to be a bit confused as to what an investment advisor is, don’t worry, you’re at the right place. We’ll make sure you know what a true-fiduciary based investment advisor is and how rare we are.

Today’s Podcaster

Paul Grant Truesdell, J.D., AIF | CEO

Founder of Fixed Cost Investing℠

Sponsored by Fixed Cost Financial, Inc.

The home of Fixed Cost Investing℠

212-433-2525

Disclaimer

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

Show Notes

If you haven’t heard about hydrogen and fuel cells before, then listen up. These technologies are bursting on to the scene and have the potential to solve some of the biggest problems in energy ranging from commercial buildings to transportation.

And, while most people are more familiar with solar, wind and battery power, keep your eye on these up-and-coming technologies that could add to our nation’s diverse energy mix.

Here are five things to know about hydrogen and fuel cells.

1. Hydrogen is the most abundant element on earth.

Hydrogen is an alternative fuel that has very high energy content by weight. It’s locked up in enormous quantities in water, hydrocarbons, and other organic matter. Hydrogen can be produced from diverse, domestic resources including fossil fuels, biomass, and water electrolysis with wind, solar, or grid electricity. The environmental impact and energy efficiency of hydrogen depends on how it is produced.

1. Fuel cells can be used to power several applications.

Hydrogen and fuel cells can be used in a broad range of applications. These range from powering buildings, cars, trucks, to portable electronic devices and backup power systems. Because fuel cells can be grid-independent, they’re also an attractive option for critical load functions such as data centers, telecommunications towers, hospitals, emergency response systems, and even military applications for national defense.

1. Fuel cells are a clean way to produce power.

Fuel cells are similar to batteries in that they produce electricity without combustion or emissions. Unlike batteries, fuel cells do not run down or need to recharge—as long as there’s a constant source of fuel and oxygen. Compared to conventional gasoline vehicles, fuel cell vehicles can even reduce carbon dioxide by up to half if the hydrogen is produced by natural gas and by 90%, if the hydrogen is produced by renewable energy, such as wind and solar. There are also no pollutants emitted from the tailpipe—just water!

1. Fuel cell cars are very similar to traditional gasoline-powered cars.

Similar to today’s gasoline vehicles, fuel cell electric cars can have a driving range of more than 300 miles on one tank of hydrogen fuel. They can refuel in just a few minutes and the fueling experience is almost identical to a gas station. Since the “engine” (i.e., fuel cell) has no moving parts, you’ll never need to change the oil. But because a fuel cell is more than twice as efficient as an internal combustion engine, a fuel cell car travels farther on that tank of hydrogen than a traditional car would on gasoline. This means you only need about half the amount of hydrogen, with double the fuel economy.

1. There are more than 30 commercial hydrogen stations in California today.

More than 30 public retail hydrogen fueling stations are online in California, with plans to install 100. There are also several stations ready to open up in the Northeast. With careful planning, the focus has been to add hydrogen mostly at existing gasoline stations. These efforts are giving early fuel cell car adopters’ confidence that they can drive normally and have access to hydrogen wherever they go within these regions. Efforts are also underway in Hawaii, with other markets expected to develop as consumer demand increases.

View Details

Today’s Podcaster

Paul Grant Truesdell, J.D., AIF | CEO

Founder of Fixed Cost Investing℠

Sponsored by Fixed Cost Financial, Inc.

The home of Fixed Cost Investing℠

212-433-2525

Sign Up Now!

Sign Up Now - Our newsletter posted on a bi-weekly basis.

Your Privacy – Our Top Concern

In an age of unsolicited emails, you can trust FCF to keep your information confidential. We do not spam you with junk email or daily emails; which we absolutely hate ourselves. We adhere to a two-week email schedule, which may be more frequent is a significant event takes place. We never share your email addresses with any third party, and we never send unwanted emails to you. We are a company that protects and safeguard the privacy of our prospective and existing clients. See our privacy policy for more information.

Newsletter Content: The FCF Blog and Connecting Dots Podcast

The email you receive provides a brief introduction to the content on our blog and podcast that we think you may find of interest. We also provide links to articles, documents, podcasts, and videos of others that we feel you may find of interest.

Our Writing Style

We strongly encourage all FCF home office and field personnel to keep it short, simple, and to the point. We think mathematically and make liberal use of bullet-points and lists. Long-ago we learned that our style of writing must be concise, well organized, and formatted to ensure ease when scanning a document for important information.

This Money Stuff Isn’t Easy

No kidding. We know that. Even though it’s easy for us, it’s not for 95% of the U.S. population. Per 100,000 Americans, there are approximately 295 medical doctors, 40 lawyers nationwide (788 in DC, 90 in New York, and 64 in Maryland), 203 CPAs, 400 accountants, 63 financial analysts, and 15 investment advisor representatives. Moreover, so, if you happen to be a bit confused as to what an investment advisor is, don’t worry, you’re at the right place. We’ll make sure you know what a true-fiduciary based investment advisor is and how rare we are.

Today’s Podcaster

Paul Grant Truesdell, J.D., AIF | CEO

Founder of Fixed Cost Investing℠

Sponsored by Fixed Cost Financial, Inc.

The home of Fixed Cost Investing℠

212-433-2525

Disclaimer

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

Show Notes

If you haven’t heard about hydrogen and fuel cells before, then listen up. These technologies are bursting on to the scene and have the potential to solve some of the biggest problems in energy ranging from commercial buildings to transportation.

And, while most people are more familiar with solar, wind and battery power, keep your eye on these up-and-coming technologies that could add to our nation’s diverse energy mix.

Here are five things to know about hydrogen and fuel cells.

1. Hydrogen is the most abundant element on earth.

Hydrogen is an alternative fuel that has very high energy content by weight. It’s locked up in enormous quantities in water, hydrocarbons, and other organic matter. Hydrogen can be produced from diverse, domestic resources including fossil fuels, biomass, and water electrolysis with wind, solar, or grid electricity. The environmental impact and energy efficiency of hydrogen depends on how it is produced.

1. Fuel cells can be used to power several applications.

Hydrogen and fuel cells can be used in a broad range of applications. These range from powering buildings, cars, trucks, to portable electronic devices and backup power systems. Because fuel cells can be grid-independent, they’re also an attractive option for critical load functions such as data centers, telecommunications towers, hospitals, emergency response systems, and even military applications for national defense.

1. Fuel cells are a clean way to produce power.

Fuel cells are similar to batteries in that they produce electricity without combustion or emissions. Unlike batteries, fuel cells do not run down or need to recharge—as long as there’s a constant source of fuel and oxygen. Compared to conventional gasoline vehicles, fuel cell vehicles can even reduce carbon dioxide by up to half if the hydrogen is produced by natural gas and by 90%, if the hydrogen is produced by renewable energy, such as wind and solar. There are also no pollutants emitted from the tailpipe—just water!

1. Fuel cell cars are very similar to traditional gasoline-powered cars.

Similar to today’s gasoline vehicles, fuel cell electric cars can have a driving range of more than 300 miles on one tank of hydrogen fuel. They can refuel in just a few minutes and the fueling experience is almost identical to a gas station. Since the “engine” (i.e., fuel cell) has no moving parts, you’ll never need to change the oil. But because a fuel cell is more than twice as efficient as an internal combustion engine, a fuel cell car travels farther on that tank of hydrogen than a traditional car would on gasoline. This means you only need about half the amount of hydrogen, with double the fuel economy.

1. There are more than 30 commercial hydrogen stations in California today.

More than 30 public retail hydrogen fueling stations are online in California, with plans to install 100. There are also several stations ready to open up in the Northeast. With careful planning, the focus has been to add hydrogen mostly at existing gasoline stations. These efforts are giving early fuel cell car adopters’ confidence that they can drive normally and have access to hydrogen wherever they go within these regions. Efforts are also underway in Hawaii, with other markets expected to develop as consumer demand increases.

View Details

Today’s Podcaster

Paul Grant Truesdell, J.D., AIF | CEO

Founder of Fixed Cost Investing℠

Sponsored by Fixed Cost Financial, Inc.

The home of Fixed Cost Investing℠

212-433-2525

Sign Up Now!

Sign Up Now - Our newsletter posted on a bi-weekly basis.

Your Privacy – Our Top Concern

In an age of unsolicited emails, you can trust FCF to keep your information confidential. We do not spam you with junk email or daily emails; which we absolutely hate ourselves. We adhere to a two-week email schedule, which may be more frequent is a significant event takes place. We never share your email addresses with any third party, and we never send unwanted emails to you. We are a company that protects and safeguard the privacy of our prospective and existing clients. See our privacy policy for more information.

Newsletter Content: The FCF Blog and Connecting Dots Podcast

The email you receive provides a brief introduction to the content on our blog and podcast that we think you may find of interest. We also provide links to articles, documents, podcasts, and videos of others that we feel you may find of interest.

Our Writing Style

We strongly encourage all FCF home office and field personnel to keep it short, simple, and to the point. We think mathematically and make liberal use of bullet-points and lists. Long-ago we learned that our style of writing must be concise, well organized, and formatted to ensure ease when scanning a document for important information.

This Money Stuff Isn’t Easy

No kidding. We know that. Even though it’s easy for us, it’s not for 95% of the U.S. population. Per 100,000 Americans, there are approximately 295 medical doctors, 40 lawyers nationwide (788 in DC, 90 in New York, and 64 in Maryland), 203 CPAs, 400 accountants, 63 financial analysts, and 15 investment advisor representatives. Moreover, so, if you happen to be a bit confused as to what an investment advisor is, don’t worry, you’re at the right place. We’ll make sure you know what a true-fiduciary based investment advisor is and how rare we are.

Today’s Podcaster

Paul Grant Truesdell, J.D., AIF | CEO

Founder of Fixed Cost Investing℠

Sponsored by Fixed Cost Financial, Inc.

The home of Fixed Cost Investing℠

212-433-2525

Disclaimer

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

Show Notes

If you haven’t heard about hydrogen and fuel cells before, then listen up. These technologies are bursting on to the scene and have the potential to solve some of the biggest problems in energy ranging from commercial buildings to transportation.

And, while most people are more familiar with solar, wind and battery power, keep your eye on these up-and-coming technologies that could add to our nation’s diverse energy mix.

Here are five things to know about hydrogen and fuel cells.

1. Hydrogen is the most abundant element on earth.

Hydrogen is an alternative fuel that has very high energy content by weight. It’s locked up in enormous quantities in water, hydrocarbons, and other organic matter. Hydrogen can be produced from diverse, domestic resources including fossil fuels, biomass, and water electrolysis with wind, solar, or grid electricity. The environmental impact and energy efficiency of hydrogen depends on how it is produced.

1. Fuel cells can be used to power several applications.

Hydrogen and fuel cells can be used in a broad range of applications. These range from powering buildings, cars, trucks, to portable electronic devices and backup power systems. Because fuel cells can be grid-independent, they’re also an attractive option for critical load functions such as data centers, telecommunications towers, hospitals, emergency response systems, and even military applications for national defense.

1. Fuel cells are a clean way to produce power.

Fuel cells are similar to batteries in that they produce electricity without combustion or emissions. Unlike batteries, fuel cells do not run down or need to recharge—as long as there’s a constant source of fuel and oxygen. Compared to conventional gasoline vehicles, fuel cell vehicles can even reduce carbon dioxide by up to half if the hydrogen is produced by natural gas and by 90%, if the hydrogen is produced by renewable energy, such as wind and solar. There are also no pollutants emitted from the tailpipe—just water!

1. Fuel cell cars are very similar to traditional gasoline-powered cars.

Similar to today’s gasoline vehicles, fuel cell electric cars can have a driving range of more than 300 miles on one tank of hydrogen fuel. They can refuel in just a few minutes and the fueling experience is almost identical to a gas station. Since the “engine” (i.e., fuel cell) has no moving parts, you’ll never need to change the oil. But because a fuel cell is more than twice as efficient as an internal combustion engine, a fuel cell car travels farther on that tank of hydrogen than a traditional car would on gasoline. This means you only need about half the amount of hydrogen, with double the fuel economy.

1. There are more than 30 commercial hydrogen stations in California today.

More than 30 public retail hydrogen fueling stations are online in California, with plans to install 100. There are also several stations ready to open up in the Northeast. With careful planning, the focus has been to add hydrogen mostly at existing gasoline stations. These efforts are giving early fuel cell car adopters’ confidence that they can drive normally and have access to hydrogen wherever they go within these regions. Efforts are also underway in Hawaii, with other markets expected to develop as consumer demand increases.

View Details

Today’s Podcaster

Paul Grant Truesdell, J.D., AIF | CEO

Founder of Fixed Cost Investing℠

Sponsored by Fixed Cost Financial, Inc.

The home of Fixed Cost Investing℠

212-433-2525

Sign Up Now!

Sign Up Now - Our newsletter posted on a bi-weekly basis.

Your Privacy – Our Top Concern

In an age of unsolicited emails, you can trust FCF to keep your information confidential. We do not spam you with junk email or daily emails; which we absolutely hate ourselves. We adhere to a two-week email schedule, which may be more frequent is a significant event takes place. We never share your email addresses with any third party, and we never send unwanted emails to you. We are a company that protects and safeguard the privacy of our prospective and existing clients. See our privacy policy for more information.

Newsletter Content: The FCF Blog and Connecting Dots Podcast

The email you receive provides a brief introduction to the content on our blog and podcast that we think you may find of interest. We also provide links to articles, documents, podcasts, and videos of others that we feel you may find of interest.

Our Writing Style

We strongly encourage all FCF home office and field personnel to keep it short, simple, and to the point. We think mathematically and make liberal use of bullet-points and lists. Long-ago we learned that our style of writing must be concise, well organized, and formatted to ensure ease when scanning a document for important information.

This Money Stuff Isn’t Easy

No kidding. We know that. Even though it’s easy for us, it’s not for 95% of the U.S. population. Per 100,000 Americans, there are approximately 295 medical doctors, 40 lawyers nationwide (788 in DC, 90 in New York, and 64 in Maryland), 203 CPAs, 400 accountants, 63 financial analysts, and 15 investment advisor representatives. Moreover, so, if you happen to be a bit confused as to what an investment advisor is, don’t worry, you’re at the right place. We’ll make sure you know what a true-fiduciary based investment advisor is and how rare we are.

Today’s Podcaster

Paul Grant Truesdell, J.D., AIF | CEO

Founder of Fixed Cost Investing℠

Sponsored by Fixed Cost Financial, Inc.

The home of Fixed Cost Investing℠

212-433-2525

Disclaimer

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

Show Notes

If you haven’t heard about hydrogen and fuel cells before, then listen up. These technologies are bursting on to the scene and have the potential to solve some of the biggest problems in energy ranging from commercial buildings to transportation.

And, while most people are more familiar with solar, wind and battery power, keep your eye on these up-and-coming technologies that could add to our nation’s diverse energy mix.

Here are five things to know about hydrogen and fuel cells.

1. Hydrogen is the most abundant element on earth.

Hydrogen is an alternative fuel that has very high energy content by weight. It’s locked up in enormous quantities in water, hydrocarbons, and other organic matter. Hydrogen can be produced from diverse, domestic resources including fossil fuels, biomass, and water electrolysis with wind, solar, or grid electricity. The environmental impact and energy efficiency of hydrogen depends on how it is produced.

1. Fuel cells can be used to power several applications.

Hydrogen and fuel cells can be used in a broad range of applications. These range from powering buildings, cars, trucks, to portable electronic devices and backup power systems. Because fuel cells can be grid-independent, they’re also an attractive option for critical load functions such as data centers, telecommunications towers, hospitals, emergency response systems, and even military applications for national defense.

1. Fuel cells are a clean way to produce power.

Fuel cells are similar to batteries in that they produce electricity without combustion or emissions. Unlike batteries, fuel cells do not run down or need to recharge—as long as there’s a constant source of fuel and oxygen. Compared to conventional gasoline vehicles, fuel cell vehicles can even reduce carbon dioxide by up to half if the hydrogen is produced by natural gas and by 90%, if the hydrogen is produced by renewable energy, such as wind and solar. There are also no pollutants emitted from the tailpipe—just water!

1. Fuel cell cars are very similar to traditional gasoline-powered cars.

Similar to today’s gasoline vehicles, fuel cell electric cars can have a driving range of more than 300 miles on one tank of hydrogen fuel. They can refuel in just a few minutes and the fueling experience is almost identical to a gas station. Since the “engine” (i.e., fuel cell) has no moving parts, you’ll never need to change the oil. But because a fuel cell is more than twice as efficient as an internal combustion engine, a fuel cell car travels farther on that tank of hydrogen than a traditional car would on gasoline. This means you only need about half the amount of hydrogen, with double the fuel economy.

1. There are more than 30 commercial hydrogen stations in California today.

More than 30 public retail hydrogen fueling stations are online in California, with plans to install 100. There are also several stations ready to open up in the Northeast. With careful planning, the focus has been to add hydrogen mostly at existing gasoline stations. These efforts are giving early fuel cell car adopters’ confidence that they can drive normally and have access to hydrogen wherever they go within these regions. Efforts are also underway in Hawaii, with other markets expected to develop as consumer demand increases.

View Details

Today’s Podcaster

Paul Grant Truesdell, J.D., AIF | CEO

Founder of Fixed Cost Investing℠

Sponsored by Fixed Cost Financial, Inc.

The home of Fixed Cost Investing℠

212-433-2525

Sign Up Now!

Sign Up Now - Our newsletter posted on a bi-weekly basis.

Your Privacy – Our Top Concern

In an age of unsolicited emails, you can trust FCF to keep your information confidential. We do not spam you with junk email or daily emails; which we absolutely hate ourselves. We adhere to a two-week email schedule, which may be more frequent is a significant event takes place. We never share your email addresses with any third party, and we never send unwanted emails to you. We are a company that protects and safeguard the privacy of our prospective and existing clients. See our privacy policy for more information.

Newsletter Content: The FCF Blog and Connecting Dots Podcast

The email you receive provides a brief introduction to the content on our blog and podcast that we think you may find of interest. We also provide links to articles, documents, podcasts, and videos of others that we feel you may find of interest.

Our Writing Style

We strongly encourage all FCF home office and field personnel to keep it short, simple, and to the point. We think mathematically and make liberal use of bullet-points and lists. Long-ago we learned that our style of writing must be concise, well organized, and formatted to ensure ease when scanning a document for important information.

This Money Stuff Isn’t Easy

No kidding. We know that. Even though it’s easy for us, it’s not for 95% of the U.S. population. Per 100,000 Americans, there are approximately 295 medical doctors, 40 lawyers nationwide (788 in DC, 90 in New York, and 64 in Maryland), 203 CPAs, 400 accountants, 63 financial analysts, and 15 investment advisor representatives. Moreover, so, if you happen to be a bit confused as to what an investment advisor is, don’t worry, you’re at the right place. We’ll make sure you know what a true-fiduciary based investment advisor is and how rare we are.

Today’s Podcaster

Paul Grant Truesdell, J.D., AIF | CEO

Founder of Fixed Cost Investing℠

Sponsored by Fixed Cost Financial, Inc.

The home of Fixed Cost Investing℠

212-433-2525

Disclaimer

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

Show Notes

If you haven’t heard about hydrogen and fuel cells before, then listen up. These technologies are bursting on to the scene and have the potential to solve some of the biggest problems in energy ranging from commercial buildings to transportation.

And, while most people are more familiar with solar, wind and battery power, keep your eye on these up-and-coming technologies that could add to our nation’s diverse energy mix.

Here are five things to know about hydrogen and fuel cells.

1. Hydrogen is the most abundant element on earth.

Hydrogen is an alternative fuel that has very high energy content by weight. It’s locked up in enormous quantities in water, hydrocarbons, and other organic matter. Hydrogen can be produced from diverse, domestic resources including fossil fuels, biomass, and water electrolysis with wind, solar, or grid electricity. The environmental impact and energy efficiency of hydrogen depends on how it is produced.

1. Fuel cells can be used to power several applications.

Hydrogen and fuel cells can be used in a broad range of applications. These range from powering buildings, cars, trucks, to portable electronic devices and backup power systems. Because fuel cells can be grid-independent, they’re also an attractive option for critical load functions such as data centers, telecommunications towers, hospitals, emergency response systems, and even military applications for national defense.

1. Fuel cells are a clean way to produce power.

Fuel cells are similar to batteries in that they produce electricity without combustion or emissions. Unlike batteries, fuel cells do not run down or need to recharge—as long as there’s a constant source of fuel and oxygen. Compared to conventional gasoline vehicles, fuel cell vehicles can even reduce carbon dioxide by up to half if the hydrogen is produced by natural gas and by 90%, if the hydrogen is produced by renewable energy, such as wind and solar. There are also no pollutants emitted from the tailpipe—just water!

1. Fuel cell cars are very similar to traditional gasoline-powered cars.

Similar to today’s gasoline vehicles, fuel cell electric cars can have a driving range of more than 300 miles on one tank of hydrogen fuel. They can refuel in just a few minutes and the fueling experience is almost identical to a gas station. Since the “engine” (i.e., fuel cell) has no moving parts, you’ll never need to change the oil. But because a fuel cell is more than twice as efficient as an internal combustion engine, a fuel cell car travels farther on that tank of hydrogen than a traditional car would on gasoline. This means you only need about half the amount of hydrogen, with double the fuel economy.

1. There are more than 30 commercial hydrogen stations in California today.

More than 30 public retail hydrogen fueling stations are online in California, with plans to install 100. There are also several stations ready to open up in the Northeast. With careful planning, the focus has been to add hydrogen mostly at existing gasoline stations. These efforts are giving early fuel cell car adopters’ confidence that they can drive normally and have access to hydrogen wherever they go within these regions. Efforts are also underway in Hawaii, with other markets expected to develop as consumer demand increases.

View Details

Today’s Podcaster

Paul Grant Truesdell, J.D., AIF | CEO

Founder of Fixed Cost Investing℠

Sponsored by Fixed Cost Financial, Inc.

The home of Fixed Cost Investing℠

212-433-2525

Sign Up Now!

Sign Up Now - Our newsletter posted on a bi-weekly basis.

Your Privacy – Our Top Concern

In an age of unsolicited emails, you can trust FCF to keep your information confidential. We do not spam you with junk email or daily emails; which we absolutely hate ourselves. We adhere to a two-week email schedule, which may be more frequent is a significant event takes place. We never share your email addresses with any third party, and we never send unwanted emails to you. We are a company that protects and safeguard the privacy of our prospective and existing clients. See our privacy policy for more information.

Newsletter Content: The FCF Blog and Connecting Dots Podcast

The email you receive provides a brief introduction to the content on our blog and podcast that we think you may find of interest. We also provide links to articles, documents, podcasts, and videos of others that we feel you may find of interest.

Our Writing Style

We strongly encourage all FCF home office and field personnel to keep it short, simple, and to the point. We think mathematically and make liberal use of bullet-points and lists. Long-ago we learned that our style of writing must be concise, well organized, and formatted to ensure ease when scanning a document for important information.

This Money Stuff Isn’t Easy

No kidding. We know that. Even though it’s easy for us, it’s not for 95% of the U.S. population. Per 100,000 Americans, there are approximately 295 medical doctors, 40 lawyers nationwide (788 in DC, 90 in New York, and 64 in Maryland), 203 CPAs, 400 accountants, 63 financial analysts, and 15 investment advisor representatives. Moreover, so, if you happen to be a bit confused as to what an investment advisor is, don’t worry, you’re at the right place. We’ll make sure you know what a true-fiduciary based investment advisor is and how rare we are.

Today’s Podcaster

Paul Grant Truesdell, J.D., AIF | CEO

Founder of Fixed Cost Investing℠

Sponsored by Fixed Cost Financial, Inc.

The home of Fixed Cost Investing℠

212-433-2525

Disclaimer

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

Show Notes

If you haven’t heard about hydrogen and fuel cells before, then listen up. These technologies are bursting on to the scene and have the potential to solve some of the biggest problems in energy ranging from commercial buildings to transportation.

And, while most people are more familiar with solar, wind and battery power, keep your eye on these up-and-coming technologies that could add to our nation’s diverse energy mix.

Here are five things to know about hydrogen and fuel cells.

1. Hydrogen is the most abundant element on earth.

Hydrogen is an alternative fuel that has very high energy content by weight. It’s locked up in enormous quantities in water, hydrocarbons, and other organic matter. Hydrogen can be produced from diverse, domestic resources including fossil fuels, biomass, and water electrolysis with wind, solar, or grid electricity. The environmental impact and energy efficiency of hydrogen depends on how it is produced.

1. Fuel cells can be used to power several applications.

Hydrogen and fuel cells can be used in a broad range of applications. These range from powering buildings, cars, trucks, to portable electronic devices and backup power systems. Because fuel cells can be grid-independent, they’re also an attractive option for critical load functions such as data centers, telecommunications towers, hospitals, emergency response systems, and even military applications for national defense.

1. Fuel cells are a clean way to produce power.

Fuel cells are similar to batteries in that they produce electricity without combustion or emissions. Unlike batteries, fuel cells do not run down or need to recharge—as long as there’s a constant source of fuel and oxygen. Compared to conventional gasoline vehicles, fuel cell vehicles can even reduce carbon dioxide by up to half if the hydrogen is produced by natural gas and by 90%, if the hydrogen is produced by renewable energy, such as wind and solar. There are also no pollutants emitted from the tailpipe—just water!

1. Fuel cell cars are very similar to traditional gasoline-powered cars.

Similar to today’s gasoline vehicles, fuel cell electric cars can have a driving range of more than 300 miles on one tank of hydrogen fuel. They can refuel in just a few minutes and the fueling experience is almost identical to a gas station. Since the “engine” (i.e., fuel cell) has no moving parts, you’ll never need to change the oil. But because a fuel cell is more than twice as efficient as an internal combustion engine, a fuel cell car travels farther on that tank of hydrogen than a traditional car would on gasoline. This means you only need about half the amount of hydrogen, with double the fuel economy.

1. There are more than 30 commercial hydrogen stations in California today.

More than 30 public retail hydrogen fueling stations are online in California, with plans to install 100. There are also several stations ready to open up in the Northeast. With careful planning, the focus has been to add hydrogen mostly at existing gasoline stations. These efforts are giving early fuel cell car adopters’ confidence that they can drive normally and have access to hydrogen wherever they go within these regions. Efforts are also underway in Hawaii, with other markets expected to develop as consumer demand increases.

View Details

Today’s Podcaster

Paul Grant Truesdell, J.D., AIF | CEO

Founder of Fixed Cost Investing℠

Sponsored by Fixed Cost Financial, Inc.

The home of Fixed Cost Investing℠

212-433-2525

Sign Up Now!

Sign Up Now - Our newsletter posted on a bi-weekly basis.

Your Privacy – Our Top Concern

In an age of unsolicited emails, you can trust FCF to keep your information confidential. We do not spam you with junk email or daily emails; which we absolutely hate ourselves. We adhere to a two-week email schedule, which may be more frequent is a significant event takes place. We never share your email addresses with any third party, and we never send unwanted emails to you. We are a company that protects and safeguard the privacy of our prospective and existing clients. See our privacy policy for more information.

Newsletter Content: The FCF Blog and Connecting Dots Podcast

The email you receive provides a brief introduction to the content on our blog and podcast that we think you may find of interest. We also provide links to articles, documents, podcasts, and videos of others that we feel you may find of interest.

Our Writing Style

We strongly encourage all FCF home office and field personnel to keep it short, simple, and to the point. We think mathematically and make liberal use of bullet-points and lists. Long-ago we learned that our style of writing must be concise, well organized, and formatted to ensure ease when scanning a document for important information.

This Money Stuff Isn’t Easy

No kidding. We know that. Even though it’s easy for us, it’s not for 95% of the U.S. population. Per 100,000 Americans, there are approximately 295 medical doctors, 40 lawyers nationwide (788 in DC, 90 in New York, and 64 in Maryland), 203 CPAs, 400 accountants, 63 financial analysts, and 15 investment advisor representatives. Moreover, so, if you happen to be a bit confused as to what an investment advisor is, don’t worry, you’re at the right place. We’ll make sure you know what a true-fiduciary based investment advisor is and how rare we are.

Today’s Podcaster

Paul Grant Truesdell, J.D., AIF | CEO

Founder of Fixed Cost Investing℠

Sponsored by Fixed Cost Financial, Inc.

The home of Fixed Cost Investing℠

212-433-2525

Disclaimer

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

Show Notes

If you haven’t heard about hydrogen and fuel cells before, then listen up. These technologies are bursting on to the scene and have the potential to solve some of the biggest problems in energy ranging from commercial buildings to transportation.

And, while most people are more familiar with solar, wind and battery power, keep your eye on these up-and-coming technologies that could add to our nation’s diverse energy mix.

Here are five things to know about hydrogen and fuel cells.

1. Hydrogen is the most abundant element on earth.

Hydrogen is an alternative fuel that has very high energy content by weight. It’s locked up in enormous quantities in water, hydrocarbons, and other organic matter. Hydrogen can be produced from diverse, domestic resources including fossil fuels, biomass, and water electrolysis with wind, solar, or grid electricity. The environmental impact and energy efficiency of hydrogen depends on how it is produced.

1. Fuel cells can be used to power several applications.

Hydrogen and fuel cells can be used in a broad range of applications. These range from powering buildings, cars, trucks, to portable electronic devices and backup power systems. Because fuel cells can be grid-independent, they’re also an attractive option for critical load functions such as data centers, telecommunications towers, hospitals, emergency response systems, and even military applications for national defense.

1. Fuel cells are a clean way to produce power.

Fuel cells are similar to batteries in that they produce electricity without combustion or emissions. Unlike batteries, fuel cells do not run down or need to recharge—as long as there’s a constant source of fuel and oxygen. Compared to conventional gasoline vehicles, fuel cell vehicles can even reduce carbon dioxide by up to half if the hydrogen is produced by natural gas and by 90%, if the hydrogen is produced by renewable energy, such as wind and solar. There are also no pollutants emitted from the tailpipe—just water!

1. Fuel cell cars are very similar to traditional gasoline-powered cars.

Similar to today’s gasoline vehicles, fuel cell electric cars can have a driving range of more than 300 miles on one tank of hydrogen fuel. They can refuel in just a few minutes and the fueling experience is almost identical to a gas station. Since the “engine” (i.e., fuel cell) has no moving parts, you’ll never need to change the oil. But because a fuel cell is more than twice as efficient as an internal combustion engine, a fuel cell car travels farther on that tank of hydrogen than a traditional car would on gasoline. This means you only need about half the amount of hydrogen, with double the fuel economy.

1. There are more than 30 commercial hydrogen stations in California today.

More than 30 public retail hydrogen fueling stations are online in California, with plans to install 100. There are also several stations ready to open up in the Northeast. With careful planning, the focus has been to add hydrogen mostly at existing gasoline stations. These efforts are giving early fuel cell car adopters’ confidence that they can drive normally and have access to hydrogen wherever they go within these regions. Efforts are also underway in Hawaii, with other markets expected to develop as consumer demand increases.

View Details

Today’s Podcaster

Paul Grant Truesdell, J.D., AIF | CEO

Founder of Fixed Cost Investing℠

Sponsored by Fixed Cost Financial, Inc.

The home of Fixed Cost Investing℠

212-433-2525

Sign Up Now!

Sign Up Now - Our newsletter posted on a bi-weekly basis.

Your Privacy – Our Top Concern

In an age of unsolicited emails, you can trust FCF to keep your information confidential. We do not spam you with junk email or daily emails; which we absolutely hate ourselves. We adhere to a two-week email schedule, which may be more frequent is a significant event takes place. We never share your email addresses with any third party, and we never send unwanted emails to you. We are a company that protects and safeguard the privacy of our prospective and existing clients. See our privacy policy for more information.

Newsletter Content: The FCF Blog and Connecting Dots Podcast

The email you receive provides a brief introduction to the content on our blog and podcast that we think you may find of interest. We also provide links to articles, documents, podcasts, and videos of others that we feel you may find of interest.

Our Writing Style

We strongly encourage all FCF home office and field personnel to keep it short, simple, and to the point. We think mathematically and make liberal use of bullet points and lists. Long-ago we learned that our style of writing must be concise, well organized, and formatted to ensure ease when scanning a document for important information.

This Money Stuff Isn’t Easy

No kidding. We know that. Even though it’s easy for us, it’s not for 95% of the U.S. population. Per 100,000 Americans, there are approximately 295 medical doctors, 40 lawyers nationwide (788 in DC, 90 in New York, and 64 in Maryland), 203 CPAs, 400 accountants, 63 financial analysts, and 15 investment advisor representatives. Moreover, so, if you happen to be a bit confused as to what an investment advisor is, don’t worry, you’re at the right place. We’ll make sure you know what a true-fiduciary based investment advisor is and how rare we are.

Today’s Podcaster

Paul Grant Truesdell, J.D., AIF | CEO

Founder of Fixed Cost Investing℠

Sponsored by Fixed Cost Financial, Inc.

The home of Fixed Cost Investing℠

212-433-2525

Disclaimer

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

Show Notes

If you haven’t heard about hydrogen and fuel cells before, then listen up. These technologies are bursting on to the scene and have the potential to solve some of the biggest problems in energy ranging from commercial buildings to transportation.

And, while most people are more familiar with solar, wind and battery power, keep your eye on these up-and-coming technologies that could add to our nation’s diverse energy mix.

Here are five things to know about hydrogen and fuel cells.

1. Hydrogen is the most abundant element on earth.

Hydrogen is an alternative fuel that has very high energy content by weight. It’s locked up in enormous quantities in water, hydrocarbons, and other organic matter. Hydrogen can be produced from diverse, domestic resources including fossil fuels, biomass, and water electrolysis with wind, solar, or grid electricity. The environmental impact and energy efficiency of hydrogen depends on how it is produced.

1. Fuel cells can be used to power several applications.

Hydrogen and fuel cells can be used in a broad range of applications. These range from powering buildings, cars, trucks, to portable electronic devices and backup power systems. Because fuel cells can be grid-independent, they’re also an attractive option for critical load functions such as data centers, telecommunications towers, hospitals, emergency response systems, and even military applications for national defense.

1. Fuel cells are a clean way to produce power.

Fuel cells are similar to batteries in that they produce electricity without combustion or emissions. Unlike batteries, fuel cells do not run down or need to recharge—as long as there’s a constant source of fuel and oxygen. Compared to conventional gasoline vehicles, fuel cell vehicles can even reduce carbon dioxide by up to half if the hydrogen is produced by natural gas and by 90%, if the hydrogen is produced by renewable energy, such as wind and solar. There are also no pollutants emitted from the tailpipe—just water!

1. Fuel cell cars are very similar to traditional gasoline-powered cars.

Similar to today’s gasoline vehicles, fuel cell electric cars can have a driving range of more than 300 miles on one tank of hydrogen fuel. They can refuel in just a few minutes and the fueling experience is almost identical to a gas station. Since the “engine” (i.e., fuel cell) has no moving parts, you’ll never need to change the oil. But because a fuel cell is more than twice as efficient as an internal combustion engine, a fuel cell car travels farther on that tank of hydrogen than a traditional car would on gasoline. This means you only need about half the amount of hydrogen, with double the fuel economy.

1. There are more than 30 commercial hydrogen stations in California today.

More than 30 public retail hydrogen fueling stations are online in California, with plans to install 100. There are also several stations ready to open up in the Northeast. With careful planning, the focus has been to add hydrogen mostly at existing gasoline stations. These efforts are giving early fuel cell car adopters’ confidence that they can drive normally and have access to hydrogen wherever they go within these regions. Efforts are also underway in Hawaii, with other markets expected to develop as consumer demand increases.

View Details

Today’s Podcaster

Paul Grant Truesdell, J.D., AIF | CEO

Founder of Fixed Cost Investing℠

Sponsored by Fixed Cost Financial, Inc.

The home of Fixed Cost Investing℠

212-433-2525

Sign Up Now!

Sign Up Now - Our newsletter posted on a bi-weekly basis.

Your Privacy – Our Top Concern

In an age of unsolicited emails, you can trust FCF to keep your information confidential. We do not spam you with junk email or daily emails; which we absolutely hate ourselves. We adhere to a two-week email schedule, which may be more frequent is a significant event takes place. We never share your email addresses with any third party, and we never send unwanted emails to you. We are a company that protects and safeguard the privacy of our prospective and existing clients. See our privacy policy for more information.

Newsletter Content: The FCF Blog and Connecting Dots Podcast

The email you receive provides a brief introduction to the content on our blog and podcast that we think you may find of interest. We also provide links to articles, documents, podcasts, and videos of others that we feel you may find of interest.

Our Writing Style

We strongly encourage all FCF home office and field personnel to keep it short, simple, and to the point. We think mathematically and make liberal use of bullet-points and lists. Long-ago we learned that our style of writing must be concise, well organized, and formatted to ensure ease when scanning a document for important information.

This Money Stuff Isn’t Easy

No kidding. We know that. Even though it’s easy for us, it’s not for 95% of the U.S. population. Per 100,000 Americans, there are approximately 295 medical doctors, 40 lawyers nationwide (788 in DC, 90 in New York, and 64 in Maryland), 203 CPAs, 400 accountants, 63 financial analysts, and 15 investment advisor representatives. Moreover, so, if you happen to be a bit confused as to what an investment advisor is, don’t worry, you’re at the right place. We’ll make sure you know what a true-fiduciary based investment advisor is and how rare we are.

Today’s Podcaster

Paul Grant Truesdell, J.D., AIF | CEO

Founder of Fixed Cost Investing℠

Sponsored by Fixed Cost Financial, Inc.

The home of Fixed Cost Investing℠

212-433-2525

Disclaimer

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

Show Notes

If you haven’t heard about hydrogen and fuel cells before, then listen up. These technologies are bursting on to the scene and have the potential to solve some of the biggest problems in energy ranging from commercial buildings to transportation.

And, while most people are more familiar with solar, wind and battery power, keep your eye on these up-and-coming technologies that could add to our nation’s diverse energy mix.

Here are five things to know about hydrogen and fuel cells.

1. Hydrogen is the most abundant element on earth.

Hydrogen is an alternative fuel that has very high energy content by weight. It’s locked up in enormous quantities in water, hydrocarbons, and other organic matter. Hydrogen can be produced from diverse, domestic resources including fossil fuels, biomass, and water electrolysis with wind, solar, or grid electricity. The environmental impact and energy efficiency of hydrogen depends on how it is produced.

1. Fuel cells can be used to power several applications.

Hydrogen and fuel cells can be used in a broad range of applications. These range from powering buildings, cars, trucks, to portable electronic devices and backup power systems. Because fuel cells can be grid-independent, they’re also an attractive option for critical load functions such as data centers, telecommunications towers, hospitals, emergency response systems, and even military applications for national defense.

1. Fuel cells are a clean way to produce power.

Fuel cells are similar to batteries in that they produce electricity without combustion or emissions. Unlike batteries, fuel cells do not run down or need to recharge—as long as there’s a constant source of fuel and oxygen. Compared to conventional gasoline vehicles, fuel cell vehicles can even reduce carbon dioxide by up to half if the hydrogen is produced by natural gas and by 90%, if the hydrogen is produced by renewable energy, such as wind and solar. There are also no pollutants emitted from the tailpipe—just water!

1. Fuel cell cars are very similar to traditional gasoline-powered cars.

Similar to today’s gasoline vehicles, fuel cell electric cars can have a driving range of more than 300 miles on one tank of hydrogen fuel. They can refuel in just a few minutes and the fueling experience is almost identical to a gas station. Since the “engine” (i.e., fuel cell) has no moving parts, you’ll never need to change the oil. But because a fuel cell is more than twice as efficient as an internal combustion engine, a fuel cell car travels farther on that tank of hydrogen than a traditional car would on gasoline. This means you only need about half the amount of hydrogen, with double the fuel economy.

1. There are more than 30 commercial hydrogen stations in California today.

More than 30 public retail hydrogen fueling stations are online in California, with plans to install 100. There are also several stations ready to open up in the Northeast. With careful planning, the focus has been to add hydrogen mostly at existing gasoline stations. These efforts are giving early fuel cell car adopters’ confidence that they can drive normally and have access to hydrogen wherever they go within these regions. Efforts are also underway in Hawaii, with other markets expected to develop as consumer demand increases.

View Details

Today’s PodcasterPaul Grant Truesdell, J.D., AIF | CEO

Founder of Fixed Cost Investing℠

Sponsored by Fixed Cost Financial, Inc.The home of Fixed Cost Investing℠
212-433-2525

Sign Up Now!

Sign Up Now - Our newsletter posted on a bi-weekly basis.

Your Privacy – Our Top Concern

In an age of unsolicited emails, you can trust FCF to keep your information confidential. We do not spam you with junk email or daily emails; which we absolutely hate ourselves. We adhere to a two-week email schedule, which may be more frequent is a significant event takes place. We never share your email addresses with any third party, and we never send unwanted emails to you. We are a company that protects and safeguard the privacy of our prospective and existing clients. See our privacy policy for more information.

Newsletter Content: The FCF Blog and Connecting Dots Podcast

The email you receive provides a brief introduction to the content on our blog and podcast that we think you may find of interest. We also provide links to articles, documents, podcasts, and videos of others that we feel you may find of interest.

Our Writing Style

We strongly encourage all FCF home office and field personnel to keep it short, simple, and to the point. We think mathematically and make liberal use of bullet-points and lists. Long-ago we learned that our style of writing must be concise, well organized, and formatted to ensure ease when scanning a document for important information.

This Money Stuff Isn’t Easy

No kidding. We know that. Even though it’s easy for us, it’s not for 95% of the U.S. population. Per 100,000 Americans, there are approximately 295 medical doctors, 40 lawyers nationwide (788 in DC, 90 in New York, and 64 in Maryland), 203 CPAs, 400 accountants, 63 financial analysts, and 15 investment advisor representatives. Moreover, so, if you happen to be a bit confused as to what an investment advisor is, don’t worry, you’re at the right place. We’ll make sure you know what a true-fiduciary based investment advisor is and how rare we are.

Today’s Podcaster
Paul Grant Truesdell, J.D., AIF | CEO

Founder of Fixed Cost Investing℠

Sponsored by Fixed Cost Financial, Inc.
The home of Fixed Cost Investing℠
212-433-2525

Disclaimer

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

Show Notes

If you haven’t heard about hydrogen and fuel cells before, then listen up. These technologies are bursting on to the scene and have the potential to solve some of the biggest problems in energy ranging from commercial buildings to transportation.

And, while most people are more familiar with solar, wind and battery power, keep your eye on these up-and-coming technologies that could add to our nation’s diverse energy mix.

Here are five things to know about hydrogen and fuel cells.

1. Hydrogen is the most abundant element on earth.

Hydrogen is an alternative fuel that has very high energy content by weight. It’s locked up in enormous quantities in water, hydrocarbons, and other organic matter. Hydrogen can be produced from diverse, domestic resources including fossil fuels, biomass, and water electrolysis with wind, solar, or grid electricity. The environmental impact and energy efficiency of hydrogen depends on how it is produced.

2. Fuel cells can be used to power several applications.

Hydrogen and fuel cells can be used in a broad range of applications. These range from powering buildings, cars, trucks, to portable electronic devices and backup power systems. Because fuel cells can be grid-independent, they’re also an attractive option for critical load functions such as data centers, telecommunications towers, hospitals, emergency response systems, and even military applications for national defense.

3. Fuel cells are a clean way to produce power.

Fuel cells are similar to batteries in that they produce electricity without combustion or emissions. Unlike batteries, fuel cells do not run down or need to recharge—as long as there’s a constant source of fuel and oxygen. Compared to conventional gasoline vehicles, fuel cell vehicles can even reduce carbon dioxide by up to half if the hydrogen is produced by natural gas and by 90%, if the hydrogen is produced by renewable energy, such as wind and solar. There are also no pollutants emitted from the tailpipe—just water!

4. Fuel cell cars are very similar to traditional gasoline-powered cars.

Similar to today’s gasoline vehicles, fuel cell electric cars can have a driving range of more than 300 miles on one tank of hydrogen fuel. They can refuel in just a few minutes and the fueling experience is almost identical to a gas station. Since the “engine” (i.e., fuel cell) has no moving parts, you’ll never need to change the oil. But because a fuel cell is more than twice as efficient as an internal combustion engine, a fuel cell car travels farther on that tank of hydrogen than a traditional car would on gasoline. This means you only need about half the amount of hydrogen, with double the fuel economy.

5. There are more than 30 commercial hydrogen stations in California today.

More than 30 public retail hydrogen fueling stations are online in California, with plans to install 100. There are also several stations ready to open up in the Northeast. With careful planning, the focus has been to add hydrogen mostly at existing gasoline stations. These efforts are giving early fuel cell car adopters’ confidence that they can drive normally and have access to hydrogen wherever they go within these regions. Efforts are also underway in Hawaii, with other markets expected to develop as consumer demand increases.

View Details

Today’s PodcasterPaul Grant Truesdell, J.D., AIF | CEO

Founder of Fixed Cost Investing℠

Sponsored by Fixed Cost Financial, Inc.The home of Fixed Cost Investing℠
212-433-2525

Featured Non-Compensated Associate

Show Notes

• Pending

Sign Up Now!

Sign Up Now - Our newsletter posted on a bi-weekly basis.

Your Privacy – Our Top Concern

In an age of unsolicited emails, you can trust FCF to keep your information confidential. We do not spam you with junk email or daily emails; which we absolutely hate ourselves. We adhere to a two-week email schedule, which may be more frequent is a significant event takes place. We never share your email addresses with any third party, and we never send unwanted emails to you. We are a company that protects and safeguard the privacy of our prospective and existing clients. See our privacy policy for more information.

Newsletter Content: The FCF Blog and Connecting Dots Podcast

The email you receive provides a brief introduction to the content on our blog and podcast that we think you may find of interest. We also provide links to articles, documents, podcasts, and videos of others that we feel you may find of interest.

Our Writing Style

We strongly encourage all FCF home office and field personnel to keep it short, simple, and to the point. We think mathematically and make liberal use of bullet points and lists. Long-ago we learned that our style of writing must be concise, well organized, and formatted to ensure ease when scanning a document for important information.

This Money Stuff Isn’t Easy

No kidding. We know that. Even though it’s easy for us, it’s not for 95% of the U.S. population. Per 100,000 Americans, there are approximately 295 medical doctors, 40 lawyers nationwide (788 in DC, 90 in New York, and 64 in Maryland), 203 CPAs, 400 accountants, 63 financial analysts, and 15 investment advisor representatives. Moreover, so, if you happen to be a bit confused as to what an investment advisor is, don’t worry, you’re at the right place. We’ll make sure you know what a true-fiduciary based investment advisor is and how rare we are.

Today’s Podcaster
Paul Grant Truesdell, J.D., AIF | CEO

Founder of Fixed Cost Investing℠

The home of Fixed Cost Investing℠
Affordable - Accessible - Transparent
212-433-2525

Featured Associate

Travis Horn
President & CEO at Bull Horn Communications, Inc.
Tampa/St. Petersburg, Florida Area
1320 E. 9th Ave., Tampa, FL 33605
813-770-4781
linkedin.com/in/travislhorn

Disclaimer

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

View Details

Show Notes

• Pending

Sign Up Now!

Sign Up Now - Our newsletter posted on a bi-weekly basis.

Your Privacy – Our Top Concern

In an age of unsolicited emails, you can trust FCF to keep your information confidential. We do not spam you with junk email or daily emails; which we absolutely hate ourselves. We adhere to a two-week email schedule, which may be more frequent is a significant event takes place. We never share your email addresses with any third party, and we never send unwanted emails to you. We are a company that protects and safeguard the privacy of our prospective and existing clients. See our privacy policy for more information.

Newsletter Content: The FCF Blog and Connecting Dots Podcast

The email you receive provides a brief introduction to the content on our blog and podcast that we think you may find of interest. We also provide links to articles, documents, podcasts, and videos of others that we feel you may find of interest.

Our Writing Style

We strongly encourage all FCF home office and field personnel to keep it short, simple, and to the point. We think mathematically and make liberal use of bullet points and lists. Long-ago we learned that our style of writing must be concise, well organized, and formatted to ensure ease when scanning a document for important information.

This Money Stuff Isn’t Easy

No kidding. We know that. Even though it’s easy for us, it’s not for 95% of the U.S. population. Per 100,000 Americans, there are approximately 295 medical doctors, 40 lawyers nationwide (788 in DC, 90 in New York, and 64 in Maryland), 203 CPAs, 400 accountants, 63 financial analysts, and 15 investment advisor representatives. Moreover, so, if you happen to be a bit confused as to what an investment advisor is, don’t worry, you’re at the right place. We’ll make sure you know what a true-fiduciary based investment advisor is and how rare we are.

Today’s Podcaster
Paul Grant Truesdell, J.D., AIF | CEO

Founder of Fixed Cost Investing℠

Sponsored by Fixed Cost Financial, Inc.
The home of Fixed Cost Investing℠
212-433-2525

Featured Associate

Disclaimer

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

View Details

Show Notes

There will be no additional show notes today. Would you like to be a featured associate? Contact Mr. Truesdell at 212-433-2525.

Sign Up Now!

Sign Up Now - Our newsletter posted on a bi-weekly basis.

Your Privacy – Our Top Concern

In an age of unsolicited emails, you can trust FCF to keep your information confidential. We do not spam you with junk email or daily emails; which we absolutely hate ourselves. We adhere to a two-week email schedule, which may be more frequent is a significant event takes place. We never share your email addresses with any third party, and we never send unwanted emails to you. We are a company that protects and safeguard the privacy of our prospective and existing clients. See our privacy policy for more information.

Newsletter Content: The FCF Blog and Connecting Dots Podcast

The email you receive provides a brief introduction to the content on our blog and podcast that we think you may find of interest. We also provide links to articles, documents, podcasts, and videos of others that we feel you may find of interest.

Our Writing Style

We strongly encourage all FCF home office and field personnel to keep it short, simple, and to the point. We think mathematically and make liberal use of bullet points and lists. Long-ago we learned that our style of writing must be concise, well organized, and formatted to ensure ease when scanning a document for important information.

This Money Stuff Isn’t Easy

No kidding. We know that. Even though it’s easy for us, it’s not for 95% of the U.S. population. Per 100,000 Americans, there are approximately 295 medical doctors, 40 lawyers nationwide (788 in DC, 90 in New York, and 64 in Maryland), 203 CPAs, 400 accountants, 63 financial analysts, and 15 investment advisor representatives. Moreover, so, if you happen to be a bit confused as to what an investment advisor is, don’t worry, you’re at the right place. We’ll make sure you know what a true-fiduciary based investment advisor is and how rare we are.

Today’s Podcaster
Paul Grant Truesdell, J.D., AIF | CEO

Founder of Fixed Cost Investing℠

Sponsored by Fixed Cost Financial, Inc.
The home of Fixed Cost Investing℠
212-433-2525

Disclaimer

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

View Details

Today’s PodcasterPaul Grant Truesdell, J.D., AIF | CEO

Founder of Fixed Cost Investing℠

Sponsored by Fixed Cost Financial, Inc.The home of Fixed Cost Investing℠
212-433-2525

Featured Non-Compensated Associate

Show Notes

• Pending

Sign Up Now!

Sign Up Now - Our newsletter posted on a bi-weekly basis.

Your Privacy – Our Top Concern

In an age of unsolicited emails, you can trust FCF to keep your information confidential. We do not spam you with junk email or daily emails; which we absolutely hate ourselves. We adhere to a two-week email schedule, which may be more frequent is a significant event takes place. We never share your email addresses with any third party, and we never send unwanted emails to you. We are a company that protects and safeguard the privacy of our prospective and existing clients. See our privacy policy for more information.

Newsletter Content: The FCF Blog and Connecting Dots Podcast

The email you receive provides a brief introduction to the content on our blog and podcast that we think you may find of interest. We also provide links to articles, documents, podcasts, and videos of others that we feel you may find of interest.

Our Writing Style

We strongly encourage all FCF home office and field personnel to keep it short, simple, and to the point. We think mathematically and make liberal use of bullet points and lists. Long-ago we learned that our style of writing must be concise, well organized, and formatted to ensure ease when scanning a document for important information.

This Money Stuff Isn’t Easy

No kidding. We know that. Even though it’s easy for us, it’s not for 95% of the U.S. population. Per 100,000 Americans, there are approximately 295 medical doctors, 40 lawyers nationwide (788 in DC, 90 in New York, and 64 in Maryland), 203 CPAs, 400 accountants, 63 financial analysts, and 15 investment advisor representatives. Moreover, so, if you happen to be a bit confused as to what an investment advisor is, don’t worry, you’re at the right place. We’ll make sure you know what a true-fiduciary based investment advisor is and how rare we are.

Disclaimer

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

View Details

Show Notes

• 00:00:00 - Introduction
• 00:01:57 - The school nurse calls and because of the smart phone, everyone comes running. We've raised millions of emotional weaklings. Let children experience tough times for their own good and the survival of mankind.
• 00:08:40 - Our current newsletter is available online for review by those who have not signed up. Sign up and get the information in your inbox every few weeks.
• 00:10:26 - Not only do they want him out of office, many in the CIA, FBI, DOJ, the Senate, and House would have taken Trump out before taking office if they could. You know it as do I. The political division is out of control, and it went nuts with the passage of the 17th Amendment
• 00:17:53 - Telemedicine, the pros and cons coupled with fraud and the need in rural communities. Could the federal government do something? Yes. Will they? No.
• 00:20:13 - US marriage rates have hit a 150-year low, and a new study in the Journal of Marriage and Family says the decline is being fueled by a lack of “economically attractive” available men. A 2017 Pew Poll found that 71 percent of American adults said it’s “very important for a man to be able to support a family financially to be a good husband or partner.” Dishes aren’t enough.
• 00:23:27 - Massive changes are taking place at one of the media industry's most famous outlets, with Sports Illustrated having notified its staff of drastic and widespread layoffs. More than 40 staff members were cut from the sports institution on Thursday, according to The Wall Street Journal and reports in other outlets.
• 00:26:04 - The Irishman' star Robert De Niro accused of 'abusive and sexist' comments in $12 million gender discrimination lawsuit by former assistant.
• 00:31:39 - Todd Hall Legal Shield - LegalShield believes everyone deserves legal protection. And for over 45 years, LegalShield has provided members with affordable legal access.
• 00:35:46 - Genetic testing and results are such that the medical dilemma is this: How much do you tell the patient?
• 00:51:17 - Conclusion - Join Us Today

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Your Privacy – Our Top Concern

In an age of unsolicited emails, you can trust FCF to keep your information confidential. We do not spam you with junk email or daily emails; which we absolutely hate ourselves. We adhere to a two-week email schedule, which may be more frequent is a significant event takes place. We never share your email addresses with any third party, and we never send unwanted emails to you. We are a company that protects and safeguard the privacy of our prospective and existing clients. See our privacy policy for more information.

Newsletter Content: The FCF Blog and Connecting Dots Podcast

The email you receive provides a brief introduction to the content on our blog and podcast that we think you may find of interest. We also provide links to articles, documents, podcasts, and videos of others that we feel you may find of interest.

Our Writing Style

We strongly encourage all FCF home office and field personnel to keep it short, simple, and to the point. We think mathematically and make liberal use of bullet points and lists. Long-ago we learned that our style of writing must be concise, well organized, and formatted to ensure ease when scanning a document for important information.

This Money Stuff Isn’t Easy

No kidding. We know that. Even though it’s easy for us, it’s not for 95% of the U.S. population. Per 100,000 Americans, there are approximately 295 medical doctors, 40 lawyers nationwide (788 in DC, 90 in New York, and 64 in Maryland), 203 CPAs, 400 accountants, 63 financial analysts, and 15 investment advisor representatives. Moreover, so, if you happen to be a bit confused as to what an investment advisor is, don’t worry, you’re at the right place. We’ll make sure you know what a true-fiduciary based investment advisor is and how rare we are.

Today’s Podcaster
Paul Grant Truesdell, J.D., AIF | CEO

Founder of Fixed Cost Investing℠

Sponsored by Fixed Cost Financial, Inc.
The home of Fixed Cost Investing℠
212-433-2525

Featured Associate

Disclaimer

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

View Details

Show Outline

1. Network After Work Tampa at Yard Of Ale Wed, October 23, 2019 - 6:00 PM – 8:00 PM EDT - 406 S. Howard Ave.
2. Thursday, October 24, 2019 from 8:30 AM to 11:00 AM Cask Social Kitchen 208 S Howard Ave, Tampa
3. Intercom - Blue - Website - Starbucks Kennedy & S. Dakota Ave, Kennedy & West Shore, Moody & Howard, or Armature Works
4. A relentless pursuit of growth
5. Consumerism,
6. Toys, Trinkets
7. The aftermath of buying it all.
8. Long-term dreams in the toilet
9. Self-control, Time Horizon,
10. Reread Edward C. Banfield, Lower Class, Time Horizon, Fascinating
11. Reality Check
12. Stop the Bleeding
13. Focus on Core competencies
14. Business and Individual
15. I am Paul Truesdell and I am a lifestyle business where business is a lifestyle. Insert your name.
16. It’s a mindset.
17. We work. All growth, Uber, all growth, Exponential curve.
18. Relentless Growth of Mo’s MoJo, Till It Peters Out
19. Apple, mature, profits, growth, Analysts, immature
20. Next stage. Five Cows
21. Strength, time to recover, much longer, but still built like a brick shit house. And hit like a ton of bricks
22. Emotional, intellectual, relationships - no change, financial - no change, do what you like, good, profitable and can control life’s good.
23. Extraneous expenses
24. Purge them
25. Time Frame, if not now when?
26. Review all aspects of life, man it goes fast
27. Perplexed, everyone is wrong, maybe it’s you
28. Reset, cut costs, make more, adjust expectations.
29. Profitability is key
30. Reading about 10-year deferment college, costs, hitting hard, house, kids, loans, OMG,
31. I graduated debt-free and in the 70s I had over $20,000 in savings, checking, and my brokerage account. $86,000 in today’s dollars, not bad, not great, but that was in the mid to late 70s.
32. Well, 34th year, October 1st. Nothing has changed
33. Technology yes. Issues, no.
34. Frankly, politics makes me sick and it seems like it’s the same old thing
35. But one thing is true. Make more, spend less, adjust expectations, it’s that simple, Start early and build habits, if not, you’ll lose the game we call money.

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Your Privacy – Our Top Concern

In an age of unsolicited emails, you can trust FCF to keep your information confidential. We do not spam you with junk email or daily emails; which we absolutely hate ourselves. We adhere to a two-week email schedule, which may be more frequent is a significant event takes place. We never share your email addresses with any third party, and we never send unwanted emails to you. We are a company that protects and safeguard the privacy of our prospective and existing clients. See our privacy policy for more information.

Newsletter Content: The FCF Blog and Connecting Dots Podcast

The email you receive provides a brief introduction to the content on our blog and podcast that we think you may find of interest. We also provide links to articles, documents, podcasts, and videos of others that we feel you may find of interest.

Our Writing Style

We strongly encourage all FCF home office and field personnel to keep it short, simple, and to the point. We think mathematically and make liberal use of bullet-points and lists. Long-ago we learned that our style of writing must be concise, well organized, and formatted to ensure ease when scanning a document for important information.

This Money Stuff Isn’t Easy

No kidding. We know that. Even though it’s easy for us, it’s not for 95% of the U.S. population. Per 100,000 Americans, there are approximately 295 medical doctors, 40 lawyers nationwide (788 in DC, 90 in New York, and 64 in Maryland), 203 CPAs, 400 accountants, 63 financial analysts, and 15 investment advisor representatives. Moreover, so, if you happen to be a bit confused as to what an investment advisor is, don’t worry, you’re at the right place. We’ll make sure you know what a true-fiduciary based investment advisor is and how rare we are.

Paul Grant Truesdell, J.D., AIF | CEO

Founder of Fixed Cost Investing℠

Sponsored by Fixed Cost Financial, Inc.
The home of Fixed Cost Investing℠
212-433-2525

Disclaimer

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

View Details

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Your Privacy – Our Top Concern

In an age of unsolicited emails, you can trust FCF to keep your information confidential. We do not spam you with junk email or daily emails; which we absolutely hate ourselves. We adhere to a two-week email schedule, which may be more frequent is a significant event takes place. We never share your email addresses with any third party, and we never send unwanted emails to you. We are a company that protects and safeguard the privacy of our prospective and existing clients. See our privacy policy for more information.

Newsletter Content: The FCF Blog and Connecting Dots Podcast

The email you receive provides a brief introduction to the content on our blog and podcast that we think you may find of interest. We also provide links to articles, documents, podcasts, and videos of others that we feel you may find of interest.

Our Writing Style

We strongly encourage all FCF home office and field personnel to keep it short, simple, and to the point. We think mathematically and make liberal use of bullet points and lists. Long-ago we learned that our style of writing must be concise, well organized, and formatted to ensure ease when scanning a document for important information.

This Money Stuff Isn’t Easy

No kidding. We know that. Even though it’s easy for us, it’s not for 95% of the U.S. population. Per 100,000 Americans, there are approximately 295 medical doctors, 40 lawyers nationwide (788 in DC, 90 in New York, and 64 in Maryland), 203 CPAs, 400 accountants, 63 financial analysts, and 15 investment advisor representatives. Moreover, so, if you happen to be a bit confused as to what an investment advisor is, don’t worry, you’re at the right place. We’ll make sure you know what a true-fiduciary based investment advisor is and how rare we are.

Paul Grant Truesdell, J.D., AIF | CEO

Founder of Fixed Cost Investing℠

Sponsored by Fixed Cost Financial, Inc.
The home of Fixed Cost Investing℠
212-433-2525

Disclaimer

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

View Details

Show Notes

Life isn’t easy. It never has been and never will be. People become sick, injured, and die. Deal with it. Productively deal with your feelings in a positive way. Stop the pity party. Time doesn’t heal everything. Instead, heal yourself by being focused on be efficient, effective, productive, and enjoying what time you have. Life is great. Enjoy it.

I miss my father, mother, and sister. I am the last one standing. The pages of sadness are long gone. Mean? Cold-hearted? No. It’s life. On the anniversary of a death, celebrate the good memories; ignore the bad ones. Grief is real, but do not let grief hold you back. Renegotiate new relationships. Maintain healthy relationships. Every day is a fresh start.

Ask us about our Me, Me, Me Philosophy.

Mentally strong people stay on track. The strong work at it. We practice, train, and fail, over-and-over, until we get it right. We know we are only as good as our worst habits; that’s why we read, study, and don’t let garbage get in our brain or tummy.

Think about this: What are you doing to sabotage yourself? Figure it out and stop it. Develop the mental strength to deal with life’s problems. Oh, and stop the pity party. You’re not special, neither am I or anyone else.

There’s always room for improvement.

Stop the irrational thinking. Balance emotions and think rationally. And it’s not about acting tough, ignoring emotions, or working out till you drop. As for the non-stop BS about positive mental attitude being the cure-all, hogwash. Be realistic.

Chose and develop healthy habits with focus, effort, and common sense.

Visit DOTS.fm for additional items of interest as it relates to this episode and more.

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Your Privacy – Our Top Concern

In an age of unsolicited emails, you can trust FCF to keep your information confidential. We do not spam you with junk email or daily emails; which we absolutely hate ourselves. We adhere to a two-week email schedule, which may be more frequent is a significant event takes place. We never share your email addresses with any third party, and we never send unwanted emails to you. We are a company that protects and safeguard the privacy of our prospective and existing clients. See our privacy policy for more information.

Newsletter Content: The FCF Blog and Connecting Dots Podcast

The email you receive provides a brief introduction to the content on our blog and podcast that we think you may find of interest. We also provide links to articles, documents, podcasts, and videos of others that we feel you may find of interest.

Our Writing Style

We strongly encourage all FCF home office and field personnel to keep it short, simple, and to the point. We think mathematically and make liberal use of bullet points and lists. Long-ago we learned that our style of writing must be concise, well organized, and formatted to ensure ease when scanning a document for important information.

This Money Stuff Isn’t Easy

No kidding. We know that. Even though it’s easy for us, it’s not for 95% of the U.S. population. Per 100,000 Americans, there are approximately 295 medical doctors, 40 lawyers nationwide (788 in DC, 90 in New York, and 64 in Maryland), 203 CPAs, 400 accountants, 63 financial analysts, and 15 investment advisor representatives. Moreover, so, if you happen to be a bit confused as to what an investment advisor is, don’t worry, you’re at the right place. We’ll make sure you know what a true-fiduciary based investment advisor is and how rare we are.

Paul Grant Truesdell, J.D., AIF | CEO

Founder of Fixed Cost Investing℠

Connecting Dots Disclaimer

Sponsored by Fixed Cost Financial, Inc.
The home of Fixed Cost Investing℠
212-433-2525

Disclaimer

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

View Details

Ongoing discussions to resolve the Chinese trade dispute are underway, but the administration is preparing for the strong possibility of this fight just entering the next phase.

Links:
White House Weighs Limits on U.S. Portfolio Flows Into China - Bloomberg
Trump administration considers ban on Chinese listings in US - Financial Times
Trade War Hasn’t Stopped Wall Street’s $9 Billion China Rush - Yahoo Finance / Bloomberg

Sponsored by Fixed Cost Financial, Inc.
The home of Fixed Cost Investing℠
212-433-2525

Disclaimer

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

View Details

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Your Privacy – Our Top Concern

In an age of unsolicited emails, you can trust FCF to keep your information confidential. We do not spam you with junk email or daily emails; which we absolutely hate ourselves. We adhere to a two-week email schedule, which may be more frequent is a significant event takes place. We never share your email addresses with any third party, and we never send unwanted emails to you. We are a company that protects and safeguard the privacy of our prospective and existing clients. See our privacy policy for more information.

Newsletter Content: The FCF Blog and Connecting Dots Podcast

The email you receive provides a brief introduction to the content on our blog and podcast that we think you may find of interest. We also provide links to articles, documents, podcasts, and videos of others that we feel you may find of interest.

Our Writing Style

We strongly encourage all FCF home office and field personnel to keep it short, simple, and to the point. We think mathematically and make liberal use of bullet-points and lists. Long-ago we learned that our style of writing must be concise, well organized, and formatted to ensure ease when scanning a document for important information.

This Money Stuff Isn’t Easy

No kidding. We know that. Even though it’s easy for us, it’s not for 95% of the U.S. population. Per 100,000 Americans, there are approximately 295 medical doctors, 40 lawyers nationwide (788 in DC, 90 in New York, and 64 in Maryland), 203 CPAs, 400 accountants, 63 financial analysts, and 15 investment advisor representatives. Moreover, so, if you happen to be a bit confused as to what an investment advisor is, don’t worry, you’re at the right place. We’ll make sure you know what a true-fiduciary based investment advisor is and how rare we are.

Paul Grant Truesdell, J.D., AIF | CEO

Founder of Fixed Cost Investing℠

Connecting Dots Disclaimer

Sponsored by Fixed Cost Financial, Inc.
The home of Fixed Cost Investing℠
212-433-2525

Disclaimer

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

View Details

Show Notes (Outline)

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1. December 1969, 50 Years, < 3.8% Unemployment
2. Manipulation, Calculation Changes, Sure, However
3. Chicago - $838 million Deficit, $10.68 Billion Revenues - $11.52 Billion Outlay
4. 376 Murders - Chicago / 2019 Shot / Shot Every 3 Hours / Killed Every 16 Hours / 9.5% Clearance Rate
5. Facebook, Twitter, Amazon, Financial Companies - Domestic, Foreign, Retail, Social Media, Employer, Corporate Spying - Overwhelming -
6. Ted Kozinski
   1. Technical necessity
   2. Vast complex of technological systems are self-serving
   3. Kaczynski’s observations does not absolve him of his murders, or justify his insane hatred
   4. Kaczynski saw something in technology that caused him to lash out with violence, but despite his mental imbalance, he was able to articulate that view with surprising clarity his sprawling, infamous 35,000-word manifesto
7. So, there’s a lot wrong - Depressed, Upset, Lashing Out - No
8. Painful Events - All the time
9. How we handle them
10. Life is a circus and a learning curve
    1. Not everyone is on the same ride at the circus
    2. Some never get on a ride, they watch
11. Curate the lifestyle you desire
12. Look for and enjoy the extraordinary rather than getting into a rut with the ordinary, day in and out
13. EE - Overtime, Counter Productive
    1. Burnout, Useless
    2. BMOC with Time In Grade
    3. Busy Not Productive
    4. Gossip
    5. Complaining
    6. All Talk, No Action
    7. Have to be apart of something
    8. One Year Experience - 20 Years Over
    9. Get a Life - Individual
       1. Who Cares, Do They Matter
14. 20 Minute Focus
    1. Writing
    2. Work
    3. Physical - Strength, Endurace, Flexibility
    4. Getting more creative work done with
       1. Prep 20
       2. Focus 20 - 1
       3. Break 5
       4. Focus 20 - 2
       5. Break 5
       6. Focus 20 - 3
       7. Break 5
       8. Review 20
       9. Break 5
       10. Write & Edit 20
       11. Relax 20
       12. 2 Hours and 20 Minutes
       13. Three rotations 8 hours
15. Like, Good, Profitable, Control
16. Partners, Associates, Acquaintances
17. Chit Chat - Garbage In - Garbage Out
    1. Social Media - Mental Illness
    2. Entitled Cell Phone Use
    3. Self-Centered
    4. Self-Victimization
    5. Sympathy Card
18. Breaking Down the Day
19. Home Life - Work Life - No Life
    1. EE Eyes
    2. SE Eyes
    3. ER Eyes
    4. 3M Eyes - Me Me Me
    5. Growing, Maintaining, Shrinking
20. Inspiration - Podcast - Complaining - EE
    1. Tunnel Vision
    2. Changed Jobs
    3. Complaining
    4. Mirror - It’s You, Not Them

Black and White from Three Dog Night with a twist. The ink is black. The page is white. Together we learn to read and write. The world is bad, the world is good. It’s time to ponder. And stop the plunder. Which means, don’t let the media control you.

Think for yourself.

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Sign Up Now - Our newsletter posted on a bi-weekly basis.

Your Privacy – Our Top Concern

In an age of unsolicited emails, you can trust FCF to keep your information confidential. We do not spam you with junk email or daily emails; which we absolutely hate ourselves. We adhere to a two-week email schedule, which may be more frequent is a significant event takes place. We never share your email addresses with any third party, and we never send unwanted emails to you. We are a company that protects and safeguard the privacy of our prospective and existing clients. See our privacy policy for more information.

Newsletter Content: The FCF Blog and Connecting Dots Podcast

The email you receive provides a brief introduction to the content on our blog and podcast that we think you may find of interest. We also provide links to articles, documents, podcasts, and videos of others that we feel you may find of interest.

Our Writing Style

We strongly encourage all FCF home office and field personnel to keep it short, simple, and to the point. We think mathematically and make liberal use of bullet-points and lists. Long-ago we learned that our style of writing must be concise, well organized, and formatted to ensure ease when scanning a document for important information.

This Money Stuff Isn’t Easy

No kidding. We know that. Even though it’s easy for us, it’s not for 95% of the U.S. population. Per 100,000 Americans, there are approximately 295 medical doctors, 40 lawyers nationwide (788 in DC, 90 in New York, and 64 in Maryland), 203 CPAs, 400 accountants, 63 financial analysts, and 15 investment advisor representatives. Moreover, so, if you happen to be a bit confused as to what an investment advisor is, don’t worry, you’re at the right place. We’ll make sure you know what a true-fiduciary based investment advisor is and how rare we are.

Paul Grant Truesdell, J.D., AIF | CEO
Founder of Fixed Cost Investing℠

Connecting Dots Disclaimer

Sponsored by Fixed Cost Financial, Inc.
The home of Fixed Cost Investing℠
212-433-2525

Disclaimer

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

View Details

Show Notes

• Pending

Disclaimer

Sign Up Now - Our newsletter posted on a bi-weekly basis.

Your Privacy – Our Top Concern

In an age of unsolicited emails, you can trust FCF to keep your information confidential. We do not spam you with junk email or daily emails; which we absolutely hate ourselves. We adhere to a two-week email schedule, which may be more frequent is a significant event takes place. We never share your email addresses with any third party, and we never send unwanted emails to you. We are a company that protects and safeguard the privacy of our prospective and existing clients. See our privacy policy for more information.

Newsletter Content: The FCF Blog and Connecting Dots Podcast

The email you receive provides a brief introduction to the content on our blog and podcast that we think you may find of interest. We also provide links to articles, documents, podcasts, and videos of others that we feel you may find of interest.

Our Writing Style

We strongly encourage all FCF home office and field personnel to keep it short, simple, and to the point. We think mathematically and make liberal use of bullet-points and lists. Long-ago we learned that our style of writing must be concise, well organized, and formatted to ensure ease when scanning a document for important information.

This Money Stuff Isn’t Easy

No kidding. We know that. Even though it’s easy for us, it’s not for 95% of the U.S. population. Per 100,000 Americans, there are approximately 295 medical doctors, 40 lawyers nationwide (788 in DC, 90 in New York, and 64 in Maryland), 203 CPAs, 400 accountants, 63 financial analysts, and 15 investment advisor representatives. Moreover, so, if you happen to be a bit confused as to what an investment advisor is, don’t worry, you’re at the right place. We’ll make sure you know what a true-fiduciary based investment advisor is and how rare we are.

Paul Grant Truesdell, J.D., AIF | CEO

Founder of Fixed Cost Investing℠

Connecting Dots Disclaimer

Sponsored by Fixed Cost Financial, Inc.
The home of Fixed Cost Investing℠
212-433-2525

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

View Details

Show Notes

Since 1986

1. 1987 Black Monday
2. 1989 Rio de Janeiro
3. 1989 Friday the 13th
4. 1990 Kuwait Invasion
5. 1991 Japan Asset Bubble
6. 1992 EU Black Wednesday
7. 1997 Asian Crash
8. 1998 Russian Ruble Default
9. 2000 Dot-Com Bubble
10. 2001 Terrorism
11. 2002 Broad Drop
12. 2007 Shanghai Crash
13. 2008 US Housing Crash
14. 2009 Dubai Debt
15. 2010 Greece Bailout
16. 2010 Flash Crash
17. 2011 US Bear
18. 2015-16 Chinese Crash
19. 2018 US Downturn

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Sign Up Now - Our newsletter posted on a bi-weekly basis.

Your Privacy – Our Top Concern

In an age of unsolicited emails, you can trust FCF to keep your information confidential. We do not spam you with junk email or daily emails; which we absolutely hate ourselves. We adhere to a two-week email schedule, which may be more frequent is a significant event takes place. We never share your email addresses with any third party, and we never send unwanted emails to you. We are a company that protects and safeguard the privacy of our prospective and existing clients. See our privacy policy for more information.

Newsletter Content: The FCF Blog and Connecting Dots Podcast

The email you receive provides a brief introduction to the content on our blog and podcast that we think you may find of interest. We also provide links to articles, documents, podcasts, and videos of others that we feel you may find of interest.

Our Writing Style

We strongly encourage all FCF home office and field personnel to keep it short, simple, and to the point. We think mathematically and make liberal use of bullet-points and lists. Long-ago we learned that our style of writing must be concise, well organized, and formatted to ensure ease when scanning a document for important information.

This Money Stuff Isn’t Easy

No kidding. We know that. Even though it’s easy for us, it’s not for 95% of the U.S. population. Per 100,000 Americans, there are approximately 295 medical doctors, 40 lawyers nationwide (788 in DC, 90 in New York, and 64 in Maryland), 203 CPAs, 400 accountants, 63 financial analysts, and 15 investment advisor representatives. Moreover, so, if you happen to be a bit confused as to what an investment advisor is, don’t worry, you’re at the right place. We’ll make sure you know what a true-fiduciary based investment advisor is and how rare we are.

Paul Grant Truesdell, J.D., AIF | CEO

Founder of Fixed Cost Investing℠

Connecting Dots Disclaimer

Sponsored by Fixed Cost Financial, Inc.
The home of Fixed Cost Investing℠
212-433-2525

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

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Let’s talk about China. Specifically, let’s talk about banking, lending, and debt owed by and to China, the nation and various companies that are based in mainland China.

Show Notes

• China's Debt Tops 300%
• Looming China Debt?
• China's Corporate Bond Defaults

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Your Privacy – Our Top Concern

In an age of unsolicited emails, you can trust FCF to keep your information confidential. We do not spam you with junk email or daily emails; which we absolutely hate ourselves. We adhere to a two-week email schedule, which may be more frequent is a significant event takes place. We never share your email addresses with any third party, and we never send unwanted emails to you. We are a company that protects and safeguard the privacy of our prospective and existing clients. See our privacy policy for more information.

Newsletter Content: The FCF Blog and Connecting Dots Podcast

The email you receive provides a brief introduction to the content on our blog and podcast that we think you may find of interest. We also provide links to articles, documents, podcasts, and videos of others that we feel you may find of interest.

Our Writing Style

We strongly encourage all FCF home office and field personnel to keep it short, simple, and to the point. We think mathematically and make liberal use of bullet-points and lists. Long-ago we learned that our style of writing must be concise, well organized, and formatted to ensure ease when scanning a document for important information.

This Money Stuff Isn’t Easy

No kidding. We know that. Even though it’s easy for us, it’s not for 95% of the U.S. population. Per 100,000 Americans, there are approximately 295 medical doctors, 40 lawyers nationwide (788 in DC, 90 in New York, and 64 in Maryland), 203 CPAs, 400 accountants, 63 financial analysts, and 15 investment advisor representatives. Moreover, so, if you happen to be a bit confused as to what an investment advisor is, don’t worry, you’re at the right place. We’ll make sure you know what a true-fiduciary based investment advisor is and how rare we are.

Paul Grant Truesdell, J.D., AIF | CEO

Founder of Fixed Cost Investing℠

Connecting Dots Disclaimer

Sponsored by Fixed Cost Financial, Inc.
The home of Fixed Cost Investing℠
212-433-2525

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

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Episode Outline

1. Amazon changes its search algorithm in ways that boost its own products.
2. Wow, that’s a surprise. Not
3. Google has algorithm’s
4. Facebook has them
5. Everyone has them. It’s called discretion.
6. There is always a conflict of interest when you are working both sides.
7. Great debate
8. Regulation as a public utility
9. Sears, Penny’s WalMart, Costco, Men’s Warehouse - you know what you’re getting
10. Tweak here and there destroys a business
11. Complain about any of them and you’re tagged and the search results are in the toilet
12. Private label, Sponsored Content, Editorial content
13. Marion County Sheriff’s Office, Ocala Star Banner, big advertising client, multi page handout, ads, most wanted, editorial, blind eye - Politics - Same with business.
14. Business figure out not only the client, but the way to get the attention of the prospective client.
15. You can tell that the system’s rigged.
16. Big boys spend big money and it crushes competition
17. Profits over doing what’s right for the customer
18. Brand name bigger profits
19. Washington and states, anti trust.
20. But let’s think about it. The Clinton Administration and the ABA, anti trust and squashed it.
21. Lobbyists and it will be squashed with form over substance
22. fiercely competitive markets,
23. Amazon sells over 10,000 products under its own brands, according to research firm Marketplace Pulse
24. Here’s the problem. Nobody can unplug any more. Unless you go hermit, and that’s not going to happen for 99.999% of the population.

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Your Privacy – Our Top Concern

In an age of unsolicited emails, you can trust FCF to keep your information confidential. We do not spam you with junk email or daily emails; which we absolutely hate ourselves. We adhere to a two-week email schedule, which may be more frequent is a significant event takes place. We never share your email addresses with any third party, and we never send unwanted emails to you. We are a company that protects and safeguard the privacy of our prospective and existing clients. See our privacy policy for more information.

Newsletter Content: The FCF Blog and Connecting Dots Podcast

The email you receive provides a brief introduction to the content on our blog and podcast that we think you may find of interest. We also provide links to articles, documents, podcasts, and videos of others that we feel you may find of interest.

Our Writing Style

We strongly encourage all FCF home office and field personnel to keep it short, simple, and to the point. We think mathematically and make liberal use of bullet-points and lists. Long-ago we learned that our style of writing must be concise, well organized, and formatted to ensure ease when scanning a document for important information.

This Money Stuff Isn’t Easy

No kidding. We know that. Even though it’s easy for us, it’s not for 95% of the U.S. population. Per 100,000 Americans, there are approximately 295 medical doctors, 40 lawyers nationwide (788 in DC, 90 in New York, and 64 in Maryland), 203 CPAs, 400 accountants, 63 financial analysts, and 15 investment advisor representatives. Moreover, so, if you happen to be a bit confused as to what an investment advisor is, don’t worry, you’re at the right place. We’ll make sure you know what a true-fiduciary based investment advisor is and how rare we are.

Paul Grant Truesdell, J.D., AIF | CEO

Founder of Fixed Cost Investing℠

Connecting Dots Disclaimer

Sponsored by Fixed Cost Financial, Inc.
The home of Fixed Cost Investing℠
212-433-2525

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

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IMPORTANT DISCLOSURES - PRIMERICA GENERAL & RECRUITING DISCLOSURES - U.S. AND CANADA

Glenn J. Williams - Compensation: As Chief Executive Officer at PRIMERICA INC, Glenn J. Williams made $5,142,189 in total compensation. Of this total $750,000 was received as a salary, $1,588,500 was received as a bonus, $0 was received in stock options, $2,749,841 was awarded as stock and $53,848 came from other types of compensation. This information is according to proxy statements filed for the 2018 fiscal year.

From the 2018 Shareholder Report: "Many members of our sales force are active members of their communities and they bring to their businesses a rich network of personal connections and trust that they have earned over time. Ultimately, it is these relationships, founded in trust, that motivate clients to take action." We call it the hug and mug.

PRIMERICA MOVES TO IMPROVE ITS IMAGE, OVERCOME SCANDALS

"Primerica excels at marketing to people who have never given life insurance that much thought. By targeting people who haven’t taken the time to learn as much as they can about the life insurance industry, the company generates demand for its products and services. This means that most people who sign up for Primerica life insurance do so because they trust the salesperson who introduced them to the company. However, the salesperson doesn’t have the power to modify or adapt Primerica policies, and often there are better options out there." Ty Stewart, Primerica Review - Life Insurance - Published January 3, 2019.

Primerica slogs through onslaught of retirement-plan cases - Reuters, July 25, 2013 - "Primerica advisers gave Florida workers poor retirement advice, say current and former Florida public employees in a slew of legal challenges now facing the company. But so far, the company is holding its own as it works its way through 21 securities arbitration cases and seven court cases all focused on the same issue: Public employees eligible for the State of Florida Public Retirement System say PFS Investments Inc, a Primerica Inc unit, advised them to permanently give up their rights to lifetime pension payments and switch to an alternative plan that subjected them to stock market risks."

Sen. Elizabeth Warren (D-Mass.) on Tuesday embarrassed Primerica President Peter Schneider, who Senate Republicans had invited to testify against a new regulation designed to protect retirement savings from dodgy investment managers.

Securities Exchange Act of 1934 - Release No.40269 / July 28, 1998 - Administrative Proceedings - File No. 3-9658

The 15 Most Hated Multi-Level Marketing Companies Right Now - Primerica sales agents are encouraged to start selling to their “warm market,” including close friends and family members. Some critics of the company claim that reps are underqualified and ill-equipped to sell complex financial products like life insurance. The company was hit with a lawsuit in 2012 claiming that company reps were targeting certain professions, such as teachers and public workers, with high-risk retirement products. The company had to pay over $15 million to settle 238 lawsuits.

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Your Privacy – Our Top Concern

In an age of unsolicited emails, you can trust FCF to keep your information confidential. We do not spam you with junk email or daily emails; which we absolutely hate ourselves. We adhere to a two-week email schedule, which may be more frequent is a significant event takes place. We never share your email addresses with any third party, and we never send unwanted emails to you. We are a company that protects and safeguard the privacy of our prospective and existing clients. See our privacy policy for more information.

Newsletter Content: The FCF Blog and Connecting Dots Podcast

The email you receive provides a brief introduction to the content on our blog and podcast that we think you may find of interest. We also provide links to articles, documents, podcasts, and videos of others that we feel you may find of interest.

Our Writing Style

We strongly encourage all FCF home office and field personnel to keep it short, simple, and to the point. We think mathematically and make liberal use of bullet-points and lists. Long-ago we learned that our style of writing must be concise, well organized, and formatted to ensure ease when scanning a document for important information.

This Money Stuff Isn’t Easy

No kidding. We know that. Even though it’s easy for us, it’s not for 95% of the U.S. population. Per 100,000 Americans, there are approximately 295 medical doctors, 40 lawyers nationwide (788 in DC, 90 in New York, and 64 in Maryland), 203 CPAs, 400 accountants, 63 financial analysts, and 15 investment advisor representatives. Moreover, so, if you happen to be a bit confused as to what an investment advisor is, don’t worry, you’re at the right place. We’ll make sure you know what a true-fiduciary based investment advisor is and how rare we are.

Paul Grant Truesdell, J.D., AIF | CEO

Founder of Fixed Cost Investing℠

Connecting Dots Disclaimer

Sponsored by Fixed Cost Financial, Inc. - The home of Fixed Cost Investing℠. 212-433-2525

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

View Details

Sign Up Now - Our newsletter posted on a bi-weekly basis.

Your Privacy – Our Top Concern

In an age of unsolicited emails, you can trust FCF to keep your information confidential. We do not spam you with junk email or daily emails; which we absolutely hate ourselves. We adhere to a two-week email schedule, which may be more frequent is a significant event takes place. We never share your email addresses with any third party, and we never send unwanted emails to you. We are a company that protects and safeguard the privacy of our prospective and existing clients. See our privacy policy for more information.

Newsletter Content: The FCF Blog and Connecting Dots Podcast

The email you receive provides a brief introduction to the content on our blog and podcast that we think you may find of interest. We also provide links to articles, documents, podcasts, and videos of others that we feel you may find of interest.

Our Writing Style

We strongly encourage all FCF home office and field personnel to keep it short, simple, and to the point. We think mathematically and make liberal use of bullet-points and lists. Long-ago we learned that our style of writing must be concise, well organized, and formatted to ensure ease when scanning a document for important information.

This Money Stuff Isn’t Easy

No kidding. We know that. Even though it’s easy for us, it’s not for 95% of the U.S. population. Per 100,000 Americans, there are approximately 295 medical doctors, 40 lawyers nationwide (788 in DC, 90 in New York, and 64 in Maryland), 203 CPAs, 400 accountants, 63 financial analysts, and 15 investment advisor representatives. Moreover, so, if you happen to be a bit confused as to what an investment advisor is, don’t worry, you’re at the right place. We’ll make sure you know what a true-fiduciary based investment advisor is and how rare we are.

Paul Grant Truesdell, J.D., AIF | CEO

Founder of Fixed Cost Investing℠

Connecting Dots Disclaimer

Sponsored by Fixed Cost Financial, Inc. - The home of Fixed Cost Investing℠. 212-433-2525

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

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Show Notes

• String Matching
• String Matching - Part 2
• How can humans keep the upper hand on artificial intelligence
• Artificial intelligence can now emulate human behaviors – soon it will be dangerously good
• How China Uses Artificial Intelligence to Control Society

Sign Up Now - Our newsletter posted on a bi-weekly basis.

Your Privacy – Our Top Concern

In an age of unsolicited emails, you can trust FCF to keep your information confidential. We do not spam you with junk email or daily emails; which we absolutely hate ourselves. We adhere to a two-week email schedule, which may be more frequent is a significant event takes place. We never share your email addresses with any third party, and we never send unwanted emails to you. We are a company that protects and safeguard the privacy of our prospective and existing clients. See our privacy policy for more information.

Newsletter Content: The FCF Blog and Connecting Dots Podcast

The email you receive provides a brief introduction to the content on our blog and podcast that we think you may find of interest. We also provide links to articles, documents, podcasts, and videos of others that we feel you may find of interest.

Our Writing Style

We strongly encourage all FCF home office and field personnel to keep it short, simple, and to the point. We think mathematically and make liberal use of bullet-points and lists. Long-ago we learned that our style of writing must be concise, well organized, and formatted to ensure ease when scanning a document for important information.

This Money Stuff Isn’t Easy

No kidding. We know that. Even though it’s easy for us, it’s not for 95% of the U.S. population. Per 100,000 Americans, there are approximately 295 medical doctors, 40 lawyers nationwide (788 in DC, 90 in New York, and 64 in Maryland), 203 CPAs, 400 accountants, 63 financial analysts, and 15 investment advisor representatives. Moreover, so, if you happen to be a bit confused as to what an investment advisor is, don’t worry, you’re at the right place. We’ll make sure you know what a true-fiduciary based investment advisor is and how rare we are.

Paul Grant Truesdell, J.D., AIF | CEO

Founder of Fixed Cost Investing℠

Connecting Dots Disclaimer

Sponsored by Fixed Cost Financial, Inc. - The home of Fixed Cost Investing℠. 212-433-2525

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

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California is poised to implement “gig work” legislation that could send shock waves across California and the nation. The governor says he'll sign it. Hundreds of thousands of independent contractors, ranging from Uber and Lyft drivers to manicurists, could become employees under AB5.

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Sponsored by Fixed Cost Financial, Inc. - The home of Fixed Cost Investing℠. 212-433-2525

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

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Visit dots.fm for additional items not shared on third-party podcast players. 

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Visit dots.fm for additional items not shared on third-party podcast players. 

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Connecting Dots is sponsored by:

Fixed Cost Financial, Inc.
The home of Fixed Cost Investing℠
212-433-2525

• Resistance Bands - Train Anywhere - A good visual of the many types of bands
• 20 Resistance Band Exercises to Strengthen Your Entire Body - Note: You can workout all day long, but if you consume more calories than you burn, you will still be fat. See the photo and remember what I always say:
  • Physical wealth is the most important component of the five components of wealth, and it involves strength, endurance, and flexibility training with natural nutrition and hydration in moderation. It is no more difficult than that. I want to wish the lady in the photos the best, but it will take more than bands to slim down. Overweight and out of shape means a shorter life and longer life in misery.
• Ten Benefit of Using Resistance Bands During Exercise
  • Cost Effective
  • Easily Adapted
  • Easy to Modify Exercises
  • Whole Body
  • Space Savings
  • On the Road
  • Variety to Workout Routine
  • Combine with Other Items
  • Effective
• 10 Resistance Band Exercises for Stronger Legs
• 10 Upper Body Exercises
• 7 Resistance Band Exercises for Abs

DISCLAIMER:

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting Dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

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Connecting Dots is sponsored by:

Fixed Cost Financial, Inc.
The home of Fixed Cost Investing℠
212-433-2525

Bureau of Labor Statistics
WSJ - Changing Times

DISCLAIMER:

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting Dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

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Connecting Dots is sponsored by:

Fixed Cost Financial, Inc.
The home of Fixed Cost Investing℠
212-433-2525

Inflation Adjusted Gold Return Calculator
Historical Price of Gold
Stocks vs Bonds vs Gold Returns for the Past 200 Years

DISCLAIMER:

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting Dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

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Connecting Dots is sponsored by:

Fixed Cost Financial, Inc.
The home of Fixed Cost Investing℠
212-433-2525
Why People Often Don’t Properly Prepare for Hurricanes

Having too much time to prepare for a hurricane could actually be a bad thing

The Psychology of Riding it Out: Why People Don’t Prepare for Hurricanes

DISCLAIMER:

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting Dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

Tomorrow:

Turning Gold into Tin

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Sponsored by:

Fixed Cost Financial, Inc.
The home of Fixed Cost Investing℠
212-433-2525

327,000,000 - 100%

32,700,000 - 10%

3,270,000 - 1%

327,000 - 1/10%

32,700 - 1/100%

19,500 - Nationwide Murder

44,965 - Suicide - 2.3 Times More Likely

50 Largest Cities by Population

5,738 Murders

0.000421 versus

0.0011476 - 2.725 Times More Likely In a Big 50 City

1 New York

2 Los Angeles

49 Tampa

50 New Orleans

Facts and Figures

Opinions Without Basis

Focus On The Places Where Murder is MOST Likely Happening

DISCLAIMER:

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

View Details

Sponsored by:

Fixed Cost Financial, Inc.
The home of Fixed Cost Investing℠
212-433-2525

The standard deviation essentially reports an investment's volatility, which indicates the tendency of the returns to rise or fall drastically in a short period of time. Volatile securities are considered higher risk because their performance may change quickly in either direction at any moment. Watching what the professionals, not the typical talking head on the lamestream news, says about a hurricane, is exactly what true, fiduciary-based investment advisors and managers do every day. The standard deviation essentially reports a fund's volatility, which indicates the tendency of the returns to rise or fall drastically in a short period of time. A volatile security is also considered higher risk because its performance may change quickly in either direction at any moment. If two people each receive a 9% annual return, but one is unhappy, it may be the result of their focus on short-term volatility. Sam sees his money go up by 20% and down by 10%, on a monthly basis, during the year, ending at 9%. Joe sees his money settle at 9% but it's never more than 2 or 3% up or down in any one month. Sam will be frazzled. Joe, if he ignores the market and understands that he's in it for the long term, well, he'll be fine.

The same with hurricanes. You need to be prepared and ready to bug out. Joe, he has cash and is not married to his stocks. Sam, well, he's a worry-wart and he'll die sooner than Joe because of stress. Relax, it is what it is and it will be fine if you stick with the basics.

DISCLAIMER:

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

View Details

SPONSORED BY:

Fixed Cost Financial, Inc.
The home of Fixed Cost Investing℠
212-433-2525

DISCLAIMER:

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

View Details

Sponsored by:

Fixed Cost Financial, Inc.
The home of Fixed Cost Investing℠
212-433-2525

A shrewd businessman, Naimoli used his years of experience to help negotiate with Major League Baseball and land a franchise for the Tampa Bay region. In 1995, MLB owners voted 28-0 to grant a franchise to Tampa Bay and make them a part of the American League. Naimoli was strongly involved in all facets of the franchise, until selling his majority of the stake in the team in 2005 to the Rays current ownership.

Rays 2005 Media Guide

DISCLAIMER:

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

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Sponsored by:

Fixed Cost Financial, Inc.
The home of Fixed Cost Investing℠
212-433-2525

How baby boomers became the most selfish generation
Boomers are isolating themselves as they age
Why are adults acting like children?
Why Is There an Increase in Baby Boomer Substance Abuse?

Images remain the most popular type of content: Around three-quarters of Generation Zers (77%), millennials (77%), and Generation Xers (72%), along with 52% of baby boomers, prefer posting images on social media. Takeaway: TLDR, TLDV, TLDL, TLDLARL (Live A Real Life).

DISCLAIMER:

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

View Details

Sponsored by:

Fixed Cost Financial, Inc.
The home of Fixed Cost Investing℠
212-433-2525

DISCLAIMER:

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

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Friendship has always called for some maintenance costs. Stop keeping up with the Joneses. Modern Minimalist Mindsets and being frugal wins the long-term race in life. Dump the spendthrift friends for those who are like-minded. It’s not rocket science.

• As you get older, people change and your friends may be making more than you.
• MORE PENDING

DISCLAIMER:

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

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Links

Overstock.com Chief Executive Resigns
Large Telecoms, State Enforcers Make Pact to Combat Robocalls

YouTube Channels Are Yanked for Alleged Disinformation Campaigns in Hong Kong

Facebook’s Libra Bets It Can Bank the Unbanked

How Radicalization Online Can (And Can’t) Be Stopped

Think About It

• Do all boards of directors for all public companies have written policies and procedures regarding the mental health and well-being of the CEO?
• Did the calls to impeach Trump due to mental illness, immediately after his election, change the discussion as to what is acceptable and unacceptable?
• Is there a Deep-State that is running some or much of the government?
• Is there a deep-state that resists a new CEO of an established corporation?
• Define the term "robocall" and could the definition be stretched to in a way where a regulatory authority can be used to interfere in trade by one powerful company over a less powerful company?
• Why is YouTube getting involved in China's political activities?
• Where will YouTube draw the line in the United States?
• Who exactly draws the lines?
• Will Facebook's cryptocurrency extend its control over a growing segment of the world's population?
• What is radical?
• What is a freedom fighter?
• What is normal?
• Are there true journalistic standards, and if so, can they be stated in one sentence with less than 20 words?

Report the news without bias, opinion, or outside influence.
Don't hold your breath for that one to ever be true. And, we did it in 9 words.

*Sponsored by:*

Fixed Cost Financial, Inc.
The home of Fixed Cost Investing℠
212-433-2525

DISCLAIMER:

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

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Move Over, Shareholders: Top CEOs Say Companies Should Give Money to Non-Equity Stakeholders

The Social Responsibility of Business is to Increase its Profits

The business of America is business.

Steve Jobs

Cheap Shots

What a loss to humanity it would have been if Jobs had dedicated the last 25 years of his life to figuring out how to give his billions away, instead of doing what he does best. DISCLAIMER:

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

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Fixed Cost Financial, Inc.
The home of Fixed Cost Investing℠
212-433-2525

Join Paul Truesdell at The Break Room Bar & Grill on Thursday, August 22, 2019 at 11:30 am

• Mother Jones - Another stupid article
• Wall Street Journal - RV Sales Soft
• Why RV Sales are Falling
• Two Years of Falling Sales
• Peak Boomer Years
• Those Wild and Crazy Boomers - Going to the Grave and Fighting It

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

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*Fixed Cost Financial, Inc.***

*The home of Fixed Cost Investing℠*

*212-433-2525*

Liquidation Announced
Everything Goes - Big Cuts Online

FB Flurry LLC, is owed about $1.5 million and is the largest unsecured creditor in papers filed in the U.S. Bankruptcy Court in Wilmington, DE.

According to the Wall Street Journal: "Avenue said in April it had completed a “successful refinancing of its outstanding capital structure.” PNC Bank provided a $45 million revolving credit facility and Versa provided new capital." PNC made a bad bet.

Disclaimer

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

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Family, Friends, Neighbors, Relatives, Co-Workers

When connecting the dots, there is the quantitative component, which is known as crunching the numbers. There is also the qualitative component, which is getting a handle all of those things that are not “numbers” based. In the case of President Trump, his daughter appears to have a big influence on his life. This was written about by businessman / author Trump when to talked about how it was his daughter who caused him to miss a flight that crashed that would have resulted in his death many years ago.

The quants love the numbers, and the numbers are the numbers; however, not everything is number based. Emotional-based decisions continue to rule the roost and results in a lot of the Misbehaving in the world.

-

Sponsored by Fixed Cost Financial, Inc., the home of Fixed Cost Investing℠.

What is a true-fiduciary?

Connecting dots is for client educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This material does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

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Connecting dots is for client educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This material does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

Epstein Documents

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Sponsored by Fixed Cost Financial, Inc. - The home of Fixed Cost Investing℠. 212-433-2525

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

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Connecting dots is for client educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This material does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

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Fixed Cost Investing Newsletter

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

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Sponsored by Fixed Cost Financial, Inc. - The home of Fixed Cost Investing℠. 212-433-2525

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

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Sponsored by Fixed Cost Financial, Inc. - The home of Fixed Cost Investing℠. 212-433-2525

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

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Sponsored by Fixed Cost Financial, Inc. - The home of Fixed Cost Investing℠. 212-433-2525

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

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Selecting your agent, representative, and trustee should be done with careful consideration.

Sponsored by Fixed Cost Financial, Inc. - The home of Fixed Cost Investing℠. 212-433-2525

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

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Sponsored by Fixed Cost Financial, Inc. - The home of Fixed Cost Investing℠. 212-433-2525

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

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Sponsored by Fixed Cost Financial, Inc. - The home of Fixed Cost Investing℠. 212-433-2525

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

We are now on YouTube

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This episode is a short version of an extensive discussion available to clients of Fixed Cost Financial, Inc.

1.1. Three Legal Phases

1.1.1. Competent

1.1.2. Incompetent

1.1.3. Deceased

1.2. Methods of Property Transfer at Death

1.2.1. Judicial; Probate

1.2.2. Contract

1.2.2.1. Life Insurance

1.2.2.2. Annuities

1.2.2.3. Trusts

1.2.3. Legislative

1.2.3.1. Transfer on Death

1.2.3.2. Joint Ownership

1.3. Estate Planning Documents

1.3.1. Three Ring Binder

1.3.2. Administrative Notes

1.3.2.1. Attorney Created

1.3.2.2. Self Created (See Letters of Instruction)

1.3.3. Document Security

1.3.3.1. Safety Deposit Box

1.3.3.2. Fire Safe

1.3.3.3. Electronic Storage

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

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Sponsored by Fixed Cost Financial, Inc. - The home of Fixed Cost Investing℠. 212-433-2525

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

What We Don’t Do

What is Fixed Cost Investing℠

What is a true fiduciary?

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Having a bite at Daily Eats in Tampa; however, we experienced a software flaw and the quality stinks. Sometimes that happens and it’s a booboo on Paul. Bad Paul. Relax, listen, enjoy, Randy has great insight and offers a tremendous service. 

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Sponsored by Fixed Cost Financial, Inc. - The home of Fixed Cost Investing℠. 212-433-2525

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

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Sponsored by Fixed Cost Financial, Inc. - The home of Fixed Cost Investing℠. 212-433-2525

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

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Sponsor

Fixed Cost Financial, Inc. - The home of Fixed Cost Investing℠. 212-433-2525

Disclaimer

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

More

For additional items about Americ’s Love Affair With LSD, visit DOTS.fm.

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Sponsored by Fixed Cost Financial, Inc. - The home of Fixed Cost Investing℠. 212-433-2525

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

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Sponsored by Fixed Cost Financial, Inc. - The home of Fixed Cost Investing℠. 212-433-2525

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

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An interview with Linda Cameron, owner of Appreciation Specialist.

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Sponsored by Fixed Cost Financial, Inc. - The home of Fixed Cost Investing℠. 212-433-2525

00:00:00 - Introduction - Deep Dive

00:00:37 - You Can't Connect With A Basis

00:01:12 - Start With The Basics

00:01:49 - When Many Got It

00:02:04 - Today It's Different And Far Worse

00:02:58 - Accept Reality For What It Is

00:03:06 - Homeless And IQ Correlation

00:04:00 - Fundamental Inability To Accept Reality

00:05:28 - Lost Basic Knowledge And Understanding

00:07:45 - Recency Bias

00:08:01 - Treating Science & Pseudo-Science As A Religion

00:13:06 - Many Before Did Much But It's Been Lost

00:14:29 - Scientific Recency Bias

00:18:30 - My Daughter Invented Cake

00:19:34 - Communications Protocols - Old & New School

00:20:06 - I Don't Understand - It Must Be God

00:21:05 - Magic Boxes

00:23:46 - Thinking It Through

00:26:24 - Business As A Lifestyle

00:27:00 - Autodidact - Present!

00:27:36 - Worship At The Government Altar

00:28:07 - Homeowner Howard Struggles, Homeless Howie Is Lost

00:34:26 - Accepting Magic With Ignorance

00:37:46 - The Slowest Ship

00:38:44 - Reject That The Box Exists

00:39:33 - You Can't Help Some People Become Independent

00:40:26 - Blind Acceptance of Fraud

00:43:20 - Journalists And IQ

00:45:09 - Holiday Inn Express Hot Poo

00:47:16- -Lawyer Dog

00:50:20- Define & Use Fiduciary Properly

00:51:06 - Can't See - Doesn't Exist

00:52:01 - It's Time For A Rational Nationwide Discussion

00:52:50 - In Memory Only

00:53:24 - Why They're Acting Out

00:54:31 - They Know How To Control By Dividing

00:55:18 -All Things Come To A Head

00:55:36 - The Wrap

Disclaimer

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

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Sponsored by Fixed Cost Financial, Inc. - The home of Fixed Cost Investing℠. 212-433-2525

If you have a comment, idea, tip, trick, or just want to opine, call me at 888-629-7864. Twitter @FixedCostInvest / Facebook @FixedCostInvesting / Connecting Dots @ DOTS.fm

Disclaimer

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

Extra features found at DOTS.fm

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Fixed Cost Financial, Inc. | A True Fiduciary

200 NW 52nd Avenue / Ocala, FL 34482

Sponsored by Fixed Cost Financial, Inc. - The home of Fixed Cost Investing℠. 212-433-2525

Disclaimer

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

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Sponsored by Fixed Cost Financial, Inc. - The home of Fixed Cost Investing℠. 212-433-2525

If you are new to Connecting Dots, you will now learn that we do not like financial planners. Financial planning was created as a sales script to sell insurance and investment products. A true financial planner is a rare bird, and so, even if you’ve heard this before, let’s do this again, because we need to change the propaganda and story line most people are buying without careful thought and consideration.

Outline

00:00:00 Introduction

00:00:34 Disclaimer

00:00:45 Don’t Use A Financial Planner

00:06:30 The Wrap

Disclaimer

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

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Sponsored by Fixed Cost Financial, Inc. - The home of Fixed Cost Investing℠. 212-433-2525

Pork prices have spiked approximately 50% in the past few months, and that has been a topic during several recent portfolio review and forecasting discussion here at Fixed Cost Financial. What you say? Talking about pork during a portfolio review. Why? Well, there’s an outbreak of African swine fever. The potential impact to the world’s pork supply is substantial, but with the political correctness over open borders, global trade, just in time production, and less than top shelf health habits of our homeless and growing under-class, coupled with amd ever shrinking family farm with an ever growing corporate owned agricultural industry, here and abroad, it’s time to connect the dots and think about it.

Disclaimer

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

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Sponsor: Fixed Cost Financial, Inc. | The home of Fixed Cost Investing℠

—-

Disclaimer: Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

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Sponsored by Fixed Cost Financial, Inc. - The home of Fixed Cost Investing℠. 212-433-2525

If you have a comment, idea, tip, trick, or just want to opine, call me at 888-629-7864. Twitter @FixedCostInvest / Facebook @FixedCostInvesting / Connecting Dots @ DOTS.fm

Disclaimer

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

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Sponsored by Fixed Cost Financial, Inc. - The home of Fixed Cost Investing℠. 212-433-2525

If you have a comment, idea, tip, trick, or just want to opine, call me at 888-629-7864. Twitter @FixedCostInvest / Facebook @FixedCostInvesting / Connecting Dots @ DOTS.fm

Disclaimer

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

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Sponsored by Fixed Cost Financial, Inc. - The home of Fixed Cost Investing℠. 212-433-2525

If you have a comment, idea, tip, trick, or just want to opine, call me at 888-629-7864. Twitter @FixedCostInvest / Facebook @FixedCostInvesting / Connecting Dots @ DOTS.fm

Disclaimer

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

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Sponsored by Fixed Cost Financial, Inc. - The home of Fixed Cost Investing℠. 212-433-2525

If you have a comment, idea, tip, trick, or just want to opine, call me at 888-629-7864. Twitter @FixedCostInvest / Facebook @FixedCostInvesting / Connecting Dots @ DOTS.fm

Disclaimer

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

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Sponsored by Fixed Cost Financial, Inc. - The home of Fixed Cost Investing℠. 212-433-2525

If you have a comment, idea, tip, trick, or just want to opine, call me at 888-629-7864. Twitter @FixedCostInvest / Facebook @FixedCostInvesting / Connecting Dots @ DOTS.fm

Disclaimer

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

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Connecting Dots is sponsored by Fixed Cost Financial, Inc.

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

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Outline

00:00:00 1: Digital Lollipops from Modern Toaster Banks

00:00:20 2: Disclaimer

00:00:29 3: Episode Reminder

00:00:47 4: Gluing Money

Disclaimer

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

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Fixed Cost Financial, Inc.

00:00:00 - 1: Driverless Trucks & Employment

00:00:30 - 2: Disclaimer

00:00:41 - 3: Global Investment - Goodbye Drivers

00:01:52 - 4: World War 1 The Bonus Army Wants Paid

00:04:02 - 5: Promises Make - Burn Them Out

00:07:08 - 6: July 4, 2019 - Remember the Bonus Army

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

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00:00:00 - 1: Wells Fargo and the DOJ

00:00:21 - 2: Disclaimer

00:00:32 - 3: We'll Let This Run

00:04:51 - 4: The Wrap

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

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E-commerce isn’t just disrupting traditional retail: It’s upset a whole ecosystem. Where is the outrage and calls for packaging materials to be used more efficiently and recycled to the same degree as in pre-internet days. Flattened Amazon boxes are filling up the dumps across the nation. Amazon says they are switching to envelopes over boxes for many items, but watch and you’ll see that Jeff says one thing but does another.

Disclaimer

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

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Sponsor: Fixed Cost Financial, Inc. - The home of Fixed Cost Investing℠

Outline

00:00:00 Kabuki Theater - We’ve Got The Playbook

00:00:35 Disclaimer

00:00:45 World War 2

00:01:34 Soften Up & Known Outcome

00:03:15 The Ones To Avoid

00:04:44 The Wrap

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

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Sponsor: Fixed Cost Financial, Inc. - The home of Fixed Cost Investing℠

00:00:00 - How do you boil water?

00:00:23 - Disclaimer

00:00:34 - Cooking and dining out

00:01:24 - Minimalist, low, average, and high

00:02:19 - Project management all the time

00:04:07 - Hell’s Bells Kitchen Non-Sense

00:04:51 - Another millionaire made today

00:05:48 - The Wrap

Disclaimer

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

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ponsor: Fixed Cost Financial, Inc.

What is the most important thing you can do when it comes to investing? Most people I’ve met say things like, what’s the best investment to make or stock to buy. But the magic formula, secret trick, or key to unlock an incredible fortune, isn’t a stock, bond, fund, real estate, patent, or trademark. So what is the most important thing?

00:00:00 - 1: Six Boo Boos Investors Make

00:00:24 - 2: Disclaimer

00:00:33 - 3: Six Pitfalls

00:01:27 - 4: Pitfall 1

00:01:57 - 5: Pitfall 2

00:02:38 - 6: Pitfall 3

00:03:15 - 7: Pitfall 4

00:04:02 - 8: Pitfall 5

00:04:36 - 9: Pitfall 6

00:05:38 - 10 The Wrap

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

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00:00:00 - 1: Banks Are Too Aggressive

00:00:22 - 2: Disclaimer

00:00:33 - 3: Glass-Steagall Act Repealed - Bad News

00:01:39 - 4: The Right to Basic Banking Services

00:02:25 - 5: Discriminatory Banking Shuts Down Free Speech

00:03:24 - 6: Power & Powerless

00:04:11 - 7: The Unlicensed Practice of Law

00:05:03 - 8: Banks Make Commissions - They Sell Non-Stop

00:05:45 - 9: Money In Motion

00:06:09 - 10: Follow the Money

00:06:41 - 11: A True Fiduciary

00:07:24 - 12: The Bottom Line

00:08:02 - 13: The Wrap

Disclaimer

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

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SPONSOR: Fixed Cost Financial, Inc.

Outline

00:00:00 - 1: Ponzi Schemes Galone

00:00:24 - 2: Disclaimer

00:00:33 - 3: The Rip-Off Goes Like This

00:01:22 - 4: Impressed Without Proof

00:01:54 - 5: Fake Returns

00:02:45 - 6: Civil Drag & Clawbacks

00:03:34 - 7: Following Trash

The quick criminal process doesn’t apply to the civil process of getting money back. Billing and expenses for the professionals unwinding the case can often eat up a lot of what is recovered. Many Ponzi schemes unwind under the supervision of a federal judge. The judge appoints a trustee. If a trustee becomes distracted with other cases, a judge can set progress-report hearings or delay the trustee’s compensation to speed things up. However, it is not uncommon to have a disinterested or passive judge who can slow things down to a crawl. Remember, this is a gravy train for those involved, and everyone has protection against civil litigation because of court immunity.

Disclaimer

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

Visit DOTS.fm for additional items of interest.

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00:00:00 - 1: Introduction

00:00:19 - 2: Disclaimer

00:00:30 - 3: Risk-Reward - Gain & Dividend

00:01:30 - 4: No Perpetual Prosperity

00:03:15 - 5: Leverage With Other People’s Time, Money, and Effort

00:03:58 - 6: With FCF There’s Leverage

Sponsored by Fixed Cost Financial, Inc. - The home of Fixed Cost Investing℠

Disclaimer

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

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00:00:00 - 1 Brother Ding Dong, Loud and In Charge

00:00:18 - 2 Disclaimer

00:00:24 - 3 Breakfast with the Boys

00:01:15 - 4 Negative Norris

00:02:04 - 5 Big Brother Ding Dong, Negativity Galore

00:02:50 - 6 Oh No, Not Market ?timing

00:04:25 - 7 Emotions Run Surface & Deep

00:05:12 - 8 The Wrap

Disclaimer

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

Links

For additional show notes, visit DOTS.fm

Take the Roadway, Highway, or Expressway to Fiduciary, U.S.A.

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Fixed Cost Financial, Inc.

The home of Fixed Cost Investing℠ - Break the mold.

It doesn’t get any better.

A True Fiduciary-Based Investment Advisor

Disclaimer

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without express written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

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00:00:00 - 1 - Introduction

00:00:26 - 2 - Read the disclaimer

00:00:31 - 3 - What's a credit score

00:01:21 - 4 - Five credit factors

00:02:35 - 5 - Funny and sad park interviews

00:03:31 - 6 - Why we talk a lot about minting millionaire mindsets

00:05:01 - 7 - Fixed Cost Financial - A True Fiduciary

00:06:04 - 8 - All rights reserved

Disclaimer

Connecting Dots is a production of Fixed Cost Financial, the home of fixed cost investing. All rights reserved. Re-broadcast or distribution prohibited without expressed written authorization. Connecting dots is for educational use only. Investment Performance Is Not Guaranteed. Past performance is not indicative of future results. This broadcast does not take into account your particular investment objectives, financial situation or needs. Nothing should be construed as an individual recommendation. Always read and all applicable information carefully before making an investment decision. Investments are not bank guaranteed, not FDIC insured. and may lose value. Due to our extensive holdings and that of our clients, you should assume that we have a position in all companies discussed and thus a conflict of interest should be assumed.

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1 - Introduction

2 - Read the disclaimer in our show notes

3 - Podcasting is now 100% mainstream

4 - Far more intimate and less distracting

5 - Enthusiasm is not enough, this is hard work if done right

6 - It looks easy but quality takes effort

7 - Massive change of the years, especially in recent years

8 - Old School, New School

9 - Efficient and Effective

10 - Discoverability

11 - Ending & Wrap

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If your blood sugar is on the high end of the normal range, diabetes may not be your only risk. Studies suggest you are also at risk of brain shrinkage in areas associated with memory and thinking. At Fixed Cost Financial, we know from extensive study, that those who are 65 years of age, or older, are extremely, unlikely to ever become a client. We have often talked at length and have long suspected that there is a neurological problem associated with what we call the hug and mug. We’ve often asked, why to older people buy, hook, line, and sinker, the hogwash that a continuous stream of shyster salespeople are selling, and the financial product industry is no different from many other industries, commonly referred to as fly by nighters. Sadly, we have to report that there appears to be a stronger association than we ever imagined, with very bad decision making, based on emotions and those age 65 and older.

Even if someone seems perfectly healthy, research shows we all will lose as much as 0.4% of our brain mass every year. But the key is this, the rate of brain shrinkage increases with age and this is a major factor in early cognitive decline and premature death.

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An event in a bar in another nation could have a big impact on the endorsement contracts for those who live in the United States.

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Working part-time to pay down debt is not the curse of today's younger workers. People have been working part-time, full-time, double, and triple time for as long as bipeds have been walking the planet. There is an uptick in the number of people working "gigs." Surveys and polls say the gig economy is real, but the data is weak when the language used by polling companies is weak. This is the case with a recent poll being touted as the newest insight into working part-time.

Working full-time and then putting in ten hours of part-time work, well, it didn't kill anyone we know of.

Iran and the attack on the oil tankers is a situation akin to Jerry McGuire: "Show me the (money) proof (and then follow the money). Who profits when oil goes up with money, votes, and elections? What are China and Russia doing when it comes to nuclear power plants? We know.

While we are at it, let's define what Green is. Does it include all efficient energy sources, and if not, why not? Do the goal posts change depending up whose in the Oval Office during a 4-year run? Let's take a moment to think about how China and Russia play the long-term game while the USA putts; just saying.

Polarizing conversations among those dug in are a waste of time, but still follow the money, and you'll find a pot of green something-or-another.

More employers are starting to pay workers to put money into a savings account, to have a rainy day fund. It will never work long-term. The long-term solution is a change of the mindset. Modern minimalist methods must replace consumption. Those who "hang" with spenders are in a rut.t that will eventually result in copycat behavior; get new friends. For employers, consider "voluntary" discussion groups about money management, and avoid hiring the commission-based off-Wall Street salesperson who will always be angling to sell a high-cost commission-based product, wrapped like a Christmas present. Don't by the empty box and suit pitch.

Today's bonus feature on DOTS.fm features those funny and wacky Ramen boys selling silly pans.

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Introduction

Changes, some minor, some major.

Better flow, not so ridge

Timely, Makes life easier. Something kicks a topic out, can’t with a fixed schedule

Then items not on the podcast networks, on dots.fm as a bonus feature

Summary and show notes, better flow

We are also getting ready to launch another daily podcast, yes, daily, two shows a day, and this one will be similar but very different. I’ll let you know more about the new show in the weeks ahead.

Quote

Marilyn Monroe

Who was Marilyn Monroe: was an American actress, model, and singer. Famous for playing comic "blonde bombshell" characters, she became one of the most popular sex symbols of the 1950s and early 1960s and was emblematic of the era's changing attitudes towards sexuality. Although she was a top-billed actress for only a decade, her films grossed $200 million (equivalent to $2 billion in 2018) by the time of her unexpected death in 1962.[2] More than half a century later, she continues to be a major popular culture icon.

Been there: During the final months of her life, Monroe lived at 12305 Fifth Helena Drive in the Brentwood neighborhood of Los Angeles.

The toxicology report revealed that the cause of death was acute barbiturate poisoning. The possibility that Monroe had accidentally overdosed was ruled out because the dosages found in her body were several times over the lethal limit.

Quote: Marilyn Monroe: “I'm selfish, impatient and a little insecure. I make mistakes, I am out of control and at times hard to handle. But if you can't handle me at my worst, then you sure as hell don't deserve me at my best.”

Contact Us

888-629-7864

Email us at c@dots.fm, or see@dots.fm, or sea@dots.fm

Blue Intercom button on dots.fm

Referrals Appreciated

Chapter 2

Do your research

Make a plan

Project management

Plan your finances

Budget

Goals

When to call it quits

Chapter 3

Business structure

Solo

Partnership

Incorporation C or S

Limited Liability Company

Limited Liability Partnership

Chapter 4

Agreements in writing

Management of expectations

Accounting system

Location

Team members

Chapter 5

Promotion, marketing, branding, humping it,

Beyond social media

Information overload

Digital overload

CRM software

Conflict resolution

Chapter 6

Bonus Feature

The question I ask when hired to advise a new business

888-629-7864

Referrals Appreciated

Quote

Dr. Seuss: “Don't cry because it's over, smile because it happened.”

Bonus Feature

The question I ask when hired to advise a new business

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Wednesday, June 12, 2019

Business - Episode 62

00:00:00 - Introduction

Call-In Line: 888-629-7864

30 Download Average - 141

3,400 downloads top 10%

9,000 downloads top 5%

50,000 downloads top 1%

Thank you for the tremendous growth

Spread the word to family, friends, neighbors, relatives, and co-workers

12% of all podcasts publish a single episode

6% end after 2 episodes

50% have 14 or fewer episodes

Special Feature - Dots.fm: Electric bikes, NYC, NYPD, and more

00:03:56 - Homeless Housing - Los Angeles

The housing crunch in America suffers from misguided laws, rules, and regulations

Los Angeles and San Francisco - My personal experience

No level of taxes can fix the problem

Money cannot buy a way out

Small businesses die when nobody comes to your store; that’s not right

Living on the sidewalks, feeling sorry for the homeless, what about the taxpaying small business owner

Between 12% and 20% increase in homeless numbers in 2018

60,000 equals the residential population of Ocala, Florida

The problem is their mindset

Drugs, alcohol, mental illness, retardation

Meaningless Words - Outreach, Affordable, Supportive

Average Rent: $3,000 San Francisco, $1,900 Los Angeles

Millionaire Tax - Billionaire Tax - not enough of them

Gov. Gavin Newsom, a Democrat, has proposed an additional $650 million for the block-grant program, plus $355 million for other programs to address homelessness.

$10 Billion Cost

Political spending for 2020 election is expected to be $10 Billion

00:24:23

Fixed Cost Financial, Inc., the home of Fixed Cost Investing

00:25:21

I Want This To Work

Why employees leave the job

Benefits, pay, environment, growth, pressure, can't keep pace

Recent survey

Unlimited Time Off

Four Day Workweek

Company Paid Vision Insurance

Company Paid Dental Insurance

Company Paid Medical Insurance

I don't want to work out at a gym but I do want unlimited time to sit around at the Dr.s office

Less common benefits

Unlimited kitchen, breakfast, lunch, dinner

Flexible hours for personal time, errands

Work laundry

Culture of growth, learning, relaxed but steady work

00:38:04

Vacation Time & Business Demands

Tie up loose ends

Impact on others

Deadlines

Joint projects and delegation

Tell everyone

Family, friends, neighbors, relatives, co-workers, key clients

Emergency contact

What communications tools

Law firm jerks who knew but did not care

Prepare yourself

Disconnecting isn't easy

Empower others before you leave

Who's uncharge

A real vacation

Time to relax

Decompress

Goodbye phone

Turn off news and more

Read for pleasure

00:34:11

Ending

Fixed Cost Financial, Inc.

Call-In Line: 888-629-7864

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Notes

Sudden Wealth Syndrome

Distress due to sudden wealth

Large sums of money

Suddenly wealthy.

No experience doing the things needed

Before no budget, no record keeping, not knowing where to start

SWAT created for those who hit the big times but have no idea where to start and basically need a 2 by 4 across the head to wake up, pay attention, and to get down to business knowing it will be ok, but there's things to do.

Feeling isolated, former friends, turning backs, asking for handouts, feeling guilty'

You're not one of us anymore.

The maturity to reject them. If you can't you will be on the road to it's all gone

Fear of losing it all

Therapists, real and fake.

Fake Financial therapists who are there to hug and mug with commissions

Inheritance, Trust, metering it out

Sports, Lottery

Confusion comes with wealth, key, you get a decent size tax return, what did you do with it?

Spend it, pay off debt, invest it

What you did with prior bonuses and lump sums is an extremely strong indication of what you will do with the big one

Honeymoon: Like the honeymoon phase of a love relationship, people who first come into money feel powerful and invulnerable

Many go on spending sprees, buying things and making risky investments (often with disastrous results)

Minting Meaningful Mindsets. Clients. Series. Minting Millionaire Mindsets, Minting Mature Mindsets, Minting Monumental Mindsets. Maximize Mindful Missions, Minimize Mindless Messes. This is what SWAT training is all about and what our long-term client 3M program is all about.

What is the future, what do you want to do?

Instantly wealthy often results in instant insanity.

Beware of those who are selling the psychology of wealth to get you to buy high commission insurance and high cost schemes involving assets under management.

You are required to change

Action Plan

Affluence isn't easy,

Achievable and unachievable goals.

Links

11 Retired Players Still Being Paid by Their Old Teams

Why the Mets pay Bobby Bonilla $1.19 million every July 1

NFL Screws Over Players: Out of the 1,400 claims that had been submitted by retired players, only 140 had been approved.

Connecting Dots Schedule

Monday - Questions

Questions from clients and future clients of Fixed Cost Financial, Inc.

Tuesday - SWAT

Sudden Wealth Awareness Training

A discussion about sports and entertainment contracts, inheritance, litigation settlements, lottery wins, 401k, 403b, 457, deferred compensation, or lump sum pension distributions, and/or life insurance settlements.

Wednesday - Business

You are a lifestyle business and your lifestyle is business. If this describes you or if you want to think like a business person, Wednesday's podcast is for you.

Thursday - 3M

Tune in and tune up with our Minting Millionaire, Mature, and Monumental Mindsets. For all ages, incomes, net worths, education levels, occupations, races, sex, or national origin. These episodes are not suitable for buttercups or snowflakes.

Friday - Wrap

Reviewing people, places, and events from the past week and forecasting based facts, figures, and logical bets.

Saturday - Deep Dive

Buckle up and settle in for a deep dive into the world of connecting dots from those who do forecasting for a living. Deep dives are conversations that don't just tell a story but are designed to make one think beyond the traditional boundaries that hold many back. Unsettling, provocative, controversial, and sometimes weird, nothing is held back as patterns from chaos appear.

Sunday - Shows, Movies, and Videos

A relaxed review of a show, movie or video for the purpose of highlighting business principles. Listen to the podcast, take a few notes, and then watch with a different perspective. If you ever had a teacher or professor show a movie during class, the purpose was to engage and learn, not entertain and sluff off. Sundays are for learning beyond textbook based upon teachable moments in shows, movies, and videos.

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Notes

Visit Dots.FM for today’s website notes

Today's first question comes from Jimmy, call me the Greek, in Boston. Jimmy phoned in and asked about wills and trusts. Jimmy explained that he is getting ready to retire and wants to know which is better, a Will or a Trust.

The difference between a Will and Trust

Probate versus Trust Administration

The Judge is in charge with probate

Master beneficiary designation

The importance of ART

Bad language, not specific, big problems

Tom Petty

Prince

Aretha Franklin

Michael Jackson

Amy Winehouse

Jimi Hendrix

Sonny bono

Kurt Cobain

Today's second question comes from Julie Ann, in Sarasota. Julie Ann used the online messaging program to ask the following. You have talked about Bobby. Big Bets on Big Ideas. Can you go into detail about what it means.

Focus on what is important

Family

Marriage

Parenting

Life Challenges

Faith

Social Issues

Business

One trick pony’s with affinity marketing, beware of the holy man who hugs and mugs

Mentor, online, in-person

Investing early, often, and the power of time with small amounts

Focus, Aware, Ignore

Like, Good, Profitable, Control

Links

None

Connecting Dots Schedule

Monday - Questions

Questions from clients and future clients of Fixed Cost Financial, Inc.

Tuesday - SWAT

Sudden Wealth Awareness Training

A discussion about sports and entertainment contracts, inheritance, litigation settlements, lottery wins, 401k, 403b, 457, deferred compensation, or lump sum pension distributions, and/or life insurance settlements.

Wednesday - Business

You are a lifestyle business and your lifestyle is business. If this describes you or if you want to think like a business person, Wednesday's podcast is for you.

Thursday - 3M

Tune in and tune up with our Minting Millionaire, Mature, and Monumental Mindsets. For all ages, incomes, net worths, education levels, occupations, races, sex, or national origin. These episodes are not suitable for buttercups or snowflakes.

Friday - Wrap

Reviewing people, places, and events from the past week and forecasting based facts, figures, and logical bets.

Saturday - Deep Dive

Buckle up and settle in for a deep dive into the world of connecting dots from those who do forecasting for a living. Deep dives are conversations that don't just tell a story but are designed to make one think beyond the traditional boundaries that hold many back. Unsettling, provocative, controversial, and sometimes weird, nothing is held back as patterns from chaos appear.

Sunday - Shows, Movies, and Videos

A relaxed review of a show, movie or video for the purpose of highlighting business principles. Listen to the podcast, take a few notes, and then watch with a different perspective. If you ever had a teacher or professor show a movie during class, the purpose was to engage and learn, not entertain and sluff off. Sundays are for learning beyond textbook based upon teachable moments in shows, movies, and videos.

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NOTES

Our call-in line is 888-629-7864 - Leave a tip, idea, suggestion, comment, or opine away.

Bugs

Senior, the FBI, and Bryan

Incriminating Documents

Wendy Quickly Ends It

Rebecca, Crossed or Saved Axe - Does it matter?

Bryan and Brother - Two emotionally weak sisters

The Cufflinks Will Return

The Fixer Should Smell Something is Off

Lamster

Complex Relationships

Don’t Cross the President - Respect for the Office

What will Kat Sacker do?

The Baby Mama - Don’t hurt the baby or her

Wags, Poor Tender Wags

Rebecca’s Betrayal of “arch-enemy” in Taylor

Why the hatred - trust and betrayal

Billy McFarland and the Fyre Media - Festival Disaster - Movies

93 Gods Rule the Nation

AUSA - Gods in Training

Southern District of New York - One of the nation’s most powerful clubs - The Sovereign District of New York

Rudolph Giuliani - Preetinder Singh Bharara

Bharara earned a reputation of a "crusader" prosecutor. According to The New York Times, during his tenure he was one of "the nation's most aggressive and outspoken prosecutors of public corruption and Wall Street crime." Under Bharara, the U.S. Attorney's Office for the Southern District of New York prosecuted nearly 100 Wall Street executives for insider trading and other offenses. He reached historic settlements and fines with the four largest banks in the United States, and closed multibillion-dollar hedge funds for activities including insider trading.

Steven Cohen

Dr. Sidney Gilman

Links

AeroPress - A better way to make coffee

It’s a ritual sort of things, he says, and we agree. Take a moment and enjoy the moment of doing a little thing that makes one smile.

The advantage of owning stocks over bundled funds. And with Fixed Cost Financial, there is “no” per-trade commission. Call us at 212-433-2525 and let’s chat about why the basics (like using an AeroPress) makes sense. Use this LINK to schedule a telephone call with our CEO.

Connecting Dots Schedule

Monday - Questions

Questions from clients and future clients of Fixed Cost Financial, Inc.

Tuesday - SWAT

Sudden Wealth Awareness Training

A discussion about sports and entertainment contracts, inheritance, litigation settlements, lottery wins, 401k, 403b, 457, deferred compensation, or lump sum pension distributions, and/or life insurance settlements.

Wednesday - Business

You are a lifestyle business and your lifestyle is business. If this describes you or if you want to think like a business person, Wednesday's podcast is for you.

Thursday - 3M

Tune in and tune up with our Minting Millionaire, Mature, and Monumental Mindsets. For all ages, incomes, net worths, education levels, occupations, races, sex, or national origin. These episodes are not suitable for buttercups or snowflakes.

Friday - Current

Reviewing people, places, and events from the past week and forecasting based facts, figures, and logical bets.

Saturday - Deep Dive

Buckle up and settle in for a deep dive into the world of connecting dots from those who do forecasting for a living. Deep dives are conversations that don't just tell a story but are designed to make one think beyond the traditional boundaries that hold many back. Unsettling, provocative, controversial, and sometimes weird, nothing is held back as patterns from chaos appear.

Sunday - Shows, Movies, and Videos

A relaxed review of a show, movie or video for the purpose of highlighting business principles. Listen to the podcast, take a few notes, and then watch with a different perspective. If you ever had a teacher or professor show a movie during class, the purpose was to engage and learn, not entertain and sluff off. Sunday's are for learning beyond textbook based upon teachable moments in shows, movies, and videos.

View Details

If you have an opinion, idea, thought, or something to share, call +1 888-629-7864.

Sponsored By: Fixed Cost Financial, Inc. the home of Fixed Cost Investing℠

NOTES

1. Thoughtful Conversations - Clients

A. Actionable information and knowledge

B. Busy clients, families, work, commuting,

C. Importance of delegation

D. CEO to Basic Blue Collar

E. No longer comfortable with own skin, skill set, making better use of time

F. Confusing, complex, contradictory information

G. Pointing in the right direction

H. We developed a comprehensive program for Retainer, User, Delegator, Abdicator, Ignorer

I. Financial planning by and for the individual, same with economics, individual basis

2. Personal Air Conditioner - Facebook, Advertisement

A. Show links

B. Evaporator

C. EvaSMART 2

D. Indiegogo smash hit

E. Entrepreneur

F. Hogwash

1. Apartment Building Owners Try to Grapple with Tougher Energy Use Requirements

A. how much it might cost co comply.

B. New York City is the first city in the world to require all large existing buildings of 25,000 square feet or more, of which there are 50,000 citywide, to make efficiency upgrades… or face steep penalties

C. sustainability requirements

D. Energy efficiency is a worthwhile objective, but NMHC has argued that the upfront cost needs to be kept within reasonable bounds

E. Nearly all (98 percent) of apartment developers said changes in building codes over the past 10 years increased development costs for the average apartment project, and these costs, when they exist, average 7.2 percent of total development costs

1. Tony Robbins

A. Tony Robbins Strikes Back: Own Your Own Firm, Never Get Fired

B. We’ve watched at least one high-profile RIA pull away from Tony Robbins after the latest wave of old scandals resurfaced.

C. The logic there is ruthless but clear. The firm tied its reputation to the celebrity figurehead but can’t supervise his outside activities.

D. As his disclosures routinely point out, Robbins owns 30% of retirement plan service group America’s Best 401(k). They can’t kick him out without buying him out.

E. There’s no regulatory disclosure on the site and while the principals are passionate about better retirement outcomes, they don’t show up in an SEC search.

F. Medical Practice owned by non-Doctors

G. Salesforce founder Marc Benioff technically plays a similar role in this particular firm. He doesn’t pontificate much about plan design or how great America’s Best 401(k) is.

H. Benioff first discovered the self-help guru as a 28-year-old. The aspiring entrepreneur was working at a big corporation when he began absorbing Robbins's tapes and attending his seminars. Eventually, he credited Robbins with his decision to start Salesforce years later, now a $6.6 billion San Francisco enterprise behemoth.

I. It may be among the most ancient pieces of leadership wisdom, yet when it falls from Robbins's lips, people listen, and they have for more than 30 years. "When everybody's unsure what to do, and there's somebody who fucking knows, everyone pays attention," says Robbins. "Someone who has certainty, even if they're wrong, will lead other people."

J. Robbins Research International, a life-coaching empire that includes a massive book business (15 million volumes sold globally), an audio business (50 million programs sold), a life-coach certification business, and seminars for which attendees pay as much as $8,000 to be in the same room with the man himself.

5. Stocks rose strongly on Tuesday morning after Fed Chair Jerome Powell said that the Fed would respond appropriately to trade war risks. The comments pointed to a future cut in interest rates and echoed comments from St. Louis Fed President James Bullard on Monday. Meanwhile, the Commerce Department reported that U.S. factory goods orders fell 0.8% in April, down from a revised 1.3% increase in March. T

1. Social Security was never really intended to be the sole source of income for older Americans. Originally developed in the 1930s to supplement employer-sponsored plans and other personal savings, it’s now become the major stream of income for many retirees.

A. Ninety percent of those 65 and older receive benefits today. More than 62 million Americans will receive approximately $955 billion in Social Security benefits this year.1 However, the gap between what we receive from Social Security and the income many of us will need in the years to come may be wide.

B. That’s why it’s crucial to consider how timing, income, and taxes impact your Social Security benefits. Understanding more about these factors can help you plan accordingly, avoid surprises, and prepare for what you may need to find other sources of income to fill any gaps.

C. Today, 66 is full retirement age for anyone born before 1960 and 67 for those born after. Your benefits grow by 8% every year that you delay claiming them. The longer you hold off, the greater your benefits will be.

D. There are certainly pros and cons to taking them early or waiting. You can actually delay taking them all the way to age 70 before you stop seeing incremental increases in the benefit amount. If you can delay taking benefits until at least 70, you’ll have increased your annual Social Security income by 76% relative to someone who began taking benefits early at 62.

E. If you’re thinking about working while receiving Social Security benefits, your benefits may be reduced depending on when you file.

a. Before full retirement age, benefits are reduced $1 for every $2 above $16,920 in earned income.

b. At full retirement age, benefits are reduced $1 for every $3 above $44,880 in earned income.

c. After full retirement age, there’s no limit on earnings. Withheld earnings are returned.

F. Your benefits may be taxed. The question is if they are, at what percentage? That depends on what tax bracket you’re in. If your combined income is equal to or less than $25,000 if you file as an individual ($32,000 if married, filing jointly), then none of your Social Security benefit is taxable

a. If it’s more than $25,000 and equal to or less than $34,000 ($32,000 and $44,000 if married, filing jointly), up to 50% is taxable. If your combined income is more than $34,000 ($44,000 if married, filing jointly), it goes up to 85% being subject to taxation

b. Speak with your tax advisor for guidance concerning the calculation of taxes.

G. Catastrophe Bonds

a. Catastrophe bonds (also known as cat bonds) are risk-linked securities that transfer a specified set of risks from a sponsor to investors. They were created and first used in the mid-1990s in the aftermath of Hurricane Andrew and the Northridge earthquake.

b. In the first quarter of this year, a record $4.24 billion in new catastrophe bonds was issued in 17 separate transactions,” said Robert Hartwig, associate professor and co-director of the Risk and Uncertainty Management Center at the University of South Carolina’s Darla Moore School of Business. “What this says is that cat bonds are no longer the interloper or the disrupter. They’ve become a mainstay fixture.

c. First, a bit of history: In 1992, Hurricane Andrew caused $17 billion in insured losses in Florida—a loss figure double the modeling estimates at the time for the financial costs emanating from a severe hurricane. Several insurers were forced into bankruptcy, and reinsurance capacity dried up for the remainder. A new source of capacity outside traditional reinsurance was needed to fill the void. In 1996, according to Aon Securities, the first catastrophe bond drawing risk-bearing capital from the capital markets to satisfy this need was developed by St. Paul Re UK.

d. Two main parties are involved in the issuance of a catastrophe bond—a sponsor and investors. Sponsors include insurance companies, reinsurance companies, large multinational corporations and even governments, all looking to spread the risk of loss from hurricanes, earthquakes and other natural disasters. Investors generally are pension funds and hedge funds looking to diversify their investment portfolios with a new asset class.

e. Pension funds, retirees should know how their pensions are invested. The have no say, the trustee has all the say, but are these people making solid decisions?

f. catastrophe bonds are a complement to traditional reinsurance, presenting the opportunity to hedge the risk of loss from a natural disaster. The bonds function just like a reinsurance contract structured over several years or a single year. When the sponsor’s property damage losses exceed a specified indemnity trigger ($2 million, for instance), the bond kicks in to absorb the financial impact up to a stated limit (say $3 million), making it similar to traditional reinsurance, in which reinsurers assume layers of risk within a so-called tower.

g. Lloyd's of London, generally known simply as Lloyd's, is an insurance and reinsurance market located in London, United Kingdom. Unlike most of its competitors in the industry, it is not an insurance company; rather, Lloyd's is a corporate body governed by the Lloyd's Act 1871 and subsequent Acts of Parliament and operates as a partially-mutualised marketplace within which multiple financial backers, grouped in syndicates, come together to pool and spread risk. These underwriters, or "members", are a collection of both corporations and private individuals, the latter being traditionally known as "Names".

h. The business underwritten at Lloyd's is predominantly general insurance and reinsurance, although a small number of syndicates write term life assurance. The market has its roots in marine insurance and was founded by Edward Lloyd at his coffee house on Tower Street in c. 1686. Today, it has a dedicated building on Lime Street within which business is transacted at each syndicate's "box" in the underwriting "Room", with the insurance policy documentation being known traditionally as a "slip"

i. In 2018 there were 84 syndicates managed by 55 managing agencies that collectively wrote £35.5bn of gross premiums on risks placed by 303 approved brokers. Around 50 per cent of premiums emanated from North America, 30 per cent from Europe and 20 per cent from the rest of the world. Direct insurance represented around 70 per cent of the premiums, mainly covering property and casualty (liability), while the remaining 30 per cent was reinsurance. The market collectively reported a pre-tax loss of £1bn for 2018, resulting from above-average major claims and a weak investment environment.[4]

j. Lloyd's capital structure, often referred to as the "chain of security", provides financial security to policyholders and capital efficiency to members. The Corporation is responsible for setting both member and central capital levels to achieve a level of capitalisation that is robust and allows members the potential to earn superior returns

1. There are three "links" in the chain: the funds in the first and second links are held in trust, primarily for the benefit of policyholders whose contracts are underwritten by the relevant member. Members underwrite for their own account and are not liable for other members' losses

2. The third link consists largely of the Lloyd's Central Fund, which contains mutual assets held by the Corporation which are available, subject to Council approval, as required, to meet any member's insurance liabilities.[20]

3. In 2017 the first link (syndicate level assets) amounted to £51.1bn, the second link (members' "funds at Lloyd's") £24.6bn, and the Central Fund contained just over £2bn.

4. Lloyd's worst results in its long history were in the 1989 through to 1991 years, each producing overall losses of over £2bn; the late 1990s were also punctuated by repeated and significant underwriting losses.[23] In 2001 the calendar year result was a 140 per cent combined ratio, driven largely by claims arising out of the World Trade Center attack, reserve increases for prior-year liabilities and deteriorating pricing levels. However, since then, the market has generally enjoyed profitability in every year except those marked by large natural catastrophes. For example, in 2005 a spate of major Atlantic hurricanes including Hurricane Katrina drove the Lloyd's overall combined ratio to 112 per cent, while events including the Japanese earthquake and floods in Thailand badly impeded performance in 2011.

5. United States gun control advocates have accused Lloyd's of providing “murder insurance” because it underwrites several types of National Rifle Association-endorsed firearms policies, including for gun shows and personal liability insurance that covers criminal and civil defence suits. The NRA-endorsed personal liability policies are unusual, as insurance policies rarely cover costs from criminal prosecution. Gun control supporters argue that these policies could increase gun violence as they have the potential to reduce the negative consequences of firing a gun, similar to “stand-your-ground” laws.[44

6. According to the owner of Appalachian Promotions, which organises gun shows in several US states, Lloyd's is "the NRA’s choice” for gun shows and “there’s usually nowhere else to get it for gun shows.” Critics have accused Lloyd's of enabling the “gun show loophole” and “aiding and abetting the black market in handguns.”[45

7. New York state regulators are investigating the marketing of these “self-defense" insurance policies.[4

k. Thinking in Bets. Making smarter decisions when you don't have all the facts by Annie Duke. "Life is poker, not chess" "Quick or dead, our brains weren't built for rationality." "Learn

l. The Colorado State University (CSU) tropical weather forecasting team has increased its prediction for the number of hurricanes that will form during the 2019 Atlantic Hurricane Season and also its landfall probabilities, but still cite the significant uncertainty associated with El Nino’s influence this year.

LINKS

Meet the Smart A/C that is the Perfect Summer Desk Accessory

Evapolar 2 - Smart Personal Air Conditioner

Why you should not buy the Evapolar

Homemade Air Conditioner #1

Homemade Air Conditions # 2

Homemade Air Conditioner # 3

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NOTES

1. What is 3M

2. Meaningful Discussions - Clients

3. Focus, Aware, Ignore

4. Like, Good, Profitable, Control

5. Minting Millionaire, Mature, and Monumental Mindsets

6. Rational and irrational

7. Emotions deeply affect us

8. Emotions dominate some more than others

9. Confirmation bias

10. Looking for validation of existing actions, beliefs, and events

11. Soothe the ego

12. Seeing what we want to see

13. Our moods often govern actions

14. Disconnected from reality

15. Thinking before reacting, the big pause button not a reset button; no resent if you don't do it

16. What is really happening versus what are we feeling

17. Random and chaos cannot exist, people need meaning and order; seeking order at all cost - lockstep mentality

18. Emotions cloud our vision

19. Thaler, Financial Behavioralism, Nobel Prize, We've known this for 40 years

20. Rational investors versus irrational investors

21. Never make a decision under the cloud of strong emotions

22. Deliberative process

23. Imagine and consider all possible consequences

24. Everyone thinks they are rational

25. Rationality is not a born trait, rather it is learned over time, acquired, and needs instruction, training, and practice

26. Think for yourself rather than reacting to what others give you

27. Emotions narrow the mind

28. A wide range of options exist, evaluate the strategie

29. Focus, Aware, Ignore

30. Like, Good, Profitable, Control

31. Minting Millionaire, Mature, and Monumental Mindsets

32. Rational and irrational

Anger triggered by a prior, unrelated experience that, from an objective perspective, should not influence our current judgments or decisions can make us unreceptive to what others have to say. In related research, Scott Wiltermuth of the University of Southern California and Larissa Tiedens of Stanford University found that anger triggered by something unrelated to the decision at hand also affects how we evaluate others’ ideas. irrelevant emotions triggered by a completely unrelated event can take us off track. The next time you drink a bitter cup of coffee or have an argument with a loved one, pause to consider how your emotional reactions could linger as you enter into important task or weigh a complex decision.

LINKS

How to stop your emotions from clouding your financial judgement

Don’t Let Emotions Screw Up Your Decisions

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Monday - Questions

Submit you questions by visiting FixedCostFinancial.com and use the blue Intercom button.

Tuesday - SWAT - Sudden Wealth Awareness Training

Today’s discussion is about the importance of a stand-by irrevocable trust for life insurance benefits for the protection of children and preventing the spendthrift from blowing, or the stranger from getting it.

Sports

Entertainment

Inheritance

Litigation

Lottery

401(k), 403(b). 457. Deferred Comp, or Lump Sum Pension Distribution

Life Insurance Settlement

Wednesday - Business

You are a lifestyle business where business is a lifestyle

Thursday - 3M

Minting Millionaire Mindsets

Minting Mature Mindsets

Minting Monumental Mindsets

Friday - Current

Looking at people, places, and events from the past week with a critical eye on connecting dots.

Saturday - Deep Dive

Sunday - Shows & Movies

LINKS

Tips for Using Trusts to Protect Life Insurance Proceeds and Secure Support after the Dissolution of a Marriage

How to keep spendthrift heirs from blowing their inheritance

NOTES

You’re dead.

Many buy life insurance because they feel they need to.

No need, not love, no money, no sale.

Yeah, yeah, yeah, just get it over with.

But think about the bucket of dollars that will drop in someone’s lap.

Take a lot more time with the beneficiary designation, and don’t hesitate to consult with a true fiduciary-based advisor.

You’ll also need a competent lawyer to draft documents.

Don’t do this yourself or let a hack do it for you; the hack is committing a crime and it’s know and the unlicensed practice of law.

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Monday - Questions

• Four questions from listeners

• Mutual funds or ETFs?

• Why do you hate financial planners and financial planning?

• Broker, Dealer, Advisor, Registered Representative, Investment Advisor Representative - There’s a huge difference

• My guy says his AUM is a fee and it’s the same as FCF’s fixed cost investing. I want to become a client, what should i do? He says we’re on the same side of the table.

Tuesday - SWAT

• Sudden Wealth Awareness Training

• Sports, Entertainment, Inheritance, Litigation, Lottery

Wednesday - Business

• You are a lifestyle business where business is a lifestyle

Thursday - 3M

• Minting Millionaire Mindsets

• Minting Mature Mindsets

• Minting Monumental Mindsets

Friday - Current

• Looking at people, places, and events from the past week with a critical eye on connecting dots.

Saturday - Deep Dive

-

Sunday - Shows & Movies

LINKS

Slide rule

Abacus

Dinkytown.net

Confessions Of A Former Financial Advisor: 5 Things I Didn't Tell My Clients

The envelope system

What is a fiduciary?

What you need to know about financial planners

NOTES

A financial advisor who makes a living through commissions has a strong financial incentive to include life insurance, as some insurance companies pay rather well for selling their products.

From the Financial Industry Regulatory Association website: “Financial planners can come from a variety of backgrounds and offer a variety of services. They could be brokers or investment advisers, insurance agents or practicing accountants—or they may have no financial credentials at all. Some will examine your entire financial picture and help you develop a detailed plan for achieving your financial goals. Others, however, will recommend only the products they sell, which may give you a limited range of choices.” The American consumer deserves better, and it begins by making sure that words have consistent meanings.

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Pending.

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Show Notes:Robert 'Bobby' Axelrod is the CEO of Axe Capital.A self made Wall Street billionaire with one of the most successful hedge funds in the business, Bobby Axelrod enjoys all the trappings of his success. The monster mansion, private jet, helicopter rides, and personal chef, therapist, physician, and trainer. Axe doesn't forget his humble roots, or the fact that he survived 9/11 by a fluke, or so we are lead to believe. Although Axe's intentions are good, the temptations of greed and power are enormous and the lines between right and wrong in high finance are blurry at best. Axe is a smart player to never reveal his full hand to anybodyCharles 'Chuck' Rhoades, Jr. is the former United States Attorney for Southern District of New York and the current Attorney General of New York.Brilliant and brash, U.S. Attorney Chuck Rhoades is leading the fight against financial corruption in America. As the most powerful prosecutor in the country, he's won 81 insider trading cases -- and lost zero. But when criminal evidence turns up against wunderkind billionaire Bobby Axelrod, Chuck recognizes that he needs to proceed judiciously. Is his excess of caution due to his professionalism, or the fact that his wife works for Axelrod?Wendy Rhoades. M.D.,  is the wife of Chuck Rhoades and the performance coach at Axe Capital.A psychiatrist by trade, Wendy Rhoades combines an avid intellect with a keen understanding of human nature. She used those skills to help Bobby Axelrod build his hedge fund from the ground up and now works as the company's star in-house performance coach. Wendy joined Axe Capital long before Chuck became the U.S. Attorney and she refuses to sacrifice her lucrative career for her husband's crusade.Mike 'Wags' Wagner is the COO of Axe CapitalBobby Axelrod's right hand man is the COO of Axe Capital, Mike 'Wags' Wagner. Wags is a patrician WASP who still has to work for a living, and no one has ever kissed ass with more aplomb. But he truly does have Bobby's back, for which his boss rewards him handsomely.Taylor Amber Mason is the CEO of Mason Capital and the former CIO at Axe Capital.Taylor is a brilliant, young gender non-binary intern at Axe Capital whom Bobby spots and mines for 'their ' outside-the-box way of thinking. At any given time, Taylor is usually the smartest person in the room.Bryan Connerty is the U.S. Attorney for the southern district of New York.Chuck Rhoades' right hand man in the U.S. Attorney's office is Chief Assistant U.S. Attorney Bryan Connerty. A tough, idealistic lawyer from a modest background, Connerty admires Chuck and shares his zeal for righting wrongs. In fact, Connerty's commitment to justice may exceed his boss's.Charles 'Chuck' Rhoades, Sr. is the father of Charles 'Chuck' Rhoades, Jr. and a wealthy businessman.Chuck Rhoades' father is a wealthy, blue blood realtor and New York businessman. He is both his son's advocate and a thorn in his side, as he still has his hand in various Wall Street dealings that make his son squirm. Their relationship is deep but complicated, and Chuck, Jr.'s disdain for his father's relationship with money played a role in his own career choice."Dollar" Bill SternStern is a trader at Axe Capital, and one of the guys who have been with Bobby the longest. His loyalty is beyond question.Orrin BachBach is the in-house lawyer for Axe Capital, and used to teach law at NYU. As Bobby's attorney, he advises Bobby on how to deal with Chuck's investigation and is often privy to his client's schemes to dodge scrutiny. Does not waver from his support of Bobby, through investigations and allegations and all the might of the U.S. Attorney's office gunning for him. His loyalty is to Bobby and Bobby alone, even when Lara tries to bribe him and consult him for divorce advice. He turns her down flat, reminding her Bobby pays him well enough that she'd have to triple the bribe just to get his attention.Ari SpyrosSEC official who is a thorn in Chuck's side at the Attorney General's office. He becomes the compliance officer at Axe Capital.Dudley MafeeNot as smart as Axe, not as tough as Dollar Bill, not as funny as Wags, not as intuitive as Taylor. Mafee is a solid employee, but he doesn't excel in the way that most of the others at Axe Cap do. Mafee has dopey personality and taste of a teenage. Grew up in Aurora, Colorado, and is the only one of his friends who does not live there or have to worry about pocket money anymore.The Vest!Business Bros Wearing Fleece Vests on Wall Street & Silicon ValleyPatagonia mocks Wall Street on Twitter after revealing plans to cut financial companies off from their beloved branded fleece vestsHow the vest became Wall Street’s bulletproof armorEveryone but us has the merch; should we start our own?Fixed Cost Financial, Inc. Bi-Weekly Newsletter

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JPMorgan shareholders approve executive pay, fewer votes than last year - Reuters

Executive Compensation Is Out Of Control. What Now? - Forbes

Abigail Disney says NO to Bob Iger’s $65,000,000.00 Compensation - CBS News

Five Keys to Effective Executive Compensation - Chief Executive

Executive Compensation - AFL-CIO Paywatch

CEO compensation has gone completely haywire - Seeking Alpha

Live Nation CEO Michael Rapino Paid $70,615,760.00 - Digital Music News

Live Nation $41,000,000.00 Net Loss in Q1 2018 - YourEDM

Bill Clinton Created This Terrible Corporate Loophole - The New Republic

The Epic Loophole - 1992 Manifesto “Putting People First” Didn’t Work - The Agenda

CEO-to-Worker Compensation Ratio - Fortune Magazine

Give Mutual Fund Investors a Voice in Shareholder Proxy Voting - MarketWatch

Shareholder Voting in the United States: Trends and Statistics on the 2015-2018 Proxy Season - Harvard Law

Retail Shareholders Not Voting, And It’s An Issue - Forbes

Vince McMahon sells $272M in stock to fund XFL - FoxBusiness

XFL Website - XFL

XFL Code of Conduct - XFL

NFL Player Arrest Records - USA Today

80% Of Retired NFL Players Go Broke - Forbes

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Show Notes:

Screenwriting and video production for children age 11+

YouTube Gamecasting and Video Production

STEAM ACTIVITY: VIDEO PRODUCTION FOR KIDS

TEACHING VIDEO PRODUCTION IN SCHOOLS: KIDS & VIDEO MAKING GO TOGETHER LIKE PEANUT BUTTER & JELLY!

A Manual for Child-Created Video Production for Use by Classroom Teachers

Helping your children make videos - If your children love moviemaking, here are some tips for helping them develop their production skills and storytelling abilities. Moviemaking is almost always a team effort, and it can be very rewarding to team up with your kids on a project. If you already have decent video production skills, you can be a teacher and a helper. If you're a novice, making a movie is an opportunity for you and your child to learn together and from each other.

Digital Video Production: Start a YouTube Channel

Parents concerned about YouTube debate whether to let their children have their own channels; some forbid it, others send them to summer camp - These camps bring up a debate raging in many households: whether to allow children to post videos on YouTube. It gets at perhaps the biggest question of parenting in a digital age, which is how much leeway to give children in this fast-changing frontier while also protecting them—from themselves as much as from others. While many parents won’t even entertain the idea of allowing their children to be on YouTube, in part because it could invite bullying or predators, others view the medium as a creative outlet that can teach their children life skills, such as planning, storytelling and composure.

Film + Photography Summer Camps - Experience digital filmmaking or learn professional photography and Photoshop® techniques with hands-on, in-class and field-based instruction. Photography students discover how to capture images, create vibrant and professional digital photos, understand color theory, and discover the masters of modern art. Film students will be immersed in the entire production process, from screenwriting and storyboarding to shooting, editing and post-production.

2019 Minecraft for YouTube Camps in Philadelphia PA, Main Line PA, Lower Gwynedd PA, Cherry Hill NJ, Princeton NJ, Montclair NJ, NYC Manhattan, Long Island NY, Wilmington DE, Washington DC, Towson MD, St. Louis MO & Los Angeles CA!

SUMMER CAMP - HEY, WHAT'S UP YOUTUBERS?! DIGITAL VIDEO PRODUCTION

YouTube Stars – Summer Camp – June 24-28, 2019

How should we teach our kids to use digital media?

Kids & Tech: Tips for Parents in the Digital Age

Teaching Kids to Be Smart About Social Media

How Should We Teach Our Kids to Use Digital Media?

Teaching Children Responsible Use of Technology

Teaching Kids How To Use Social Media Responsibly

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• Trust beneficiary designations for IRAs; the conduit and accumulation trust. Protecting your wealth at death from the spendthrift.

• Mind mapping and mindnodes

• Stock sectors and how they are doing.

• Stupid question from Quora - skipped.

• Family history, Sir Truesdell.

• Advantages of income streams when retired

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Show Notes

Breaking Bad - Business discussion with shows or movies - 888-629-7864

Group conversation

Financial news using emotional language

Ad based commentary

Some say everything is falling and others say it’s clear sailing

Blacklisting numerous sources

Investment principles do not change but you change

Long-term and inflation are based on you, not the national economy

Higher inflation when retired due to greater needs that cost money

Cash and near-term cash - Call if you want our withdrawal principles 888-629-7864

The envelope system and our Investment Silos

Do what you like, are good and profitable at, and can control

Do not FIRE - Financial Independent Retire Early - Do not do recess during retirement

Have fun throughout life

Nations go to war over money, never forget that

Focus, Aware, Ignore

Baby Boomers - Birth Rates - Oh oh - Those Damn Televisions

https://www.forbes.com/sites/rickferri/2011/09/06/the-great-age-wave-ruse/#6d82435f6da6

Grandpa’s velcro sneakers

Podiatrist vs. Pedicurist: Where to Go for Senior Foot Care

Excessive CEO Compensation

CEO compensation surged in 2017

Investors Doubled Their Stock Market Losses in 2018 By Making This Costly Mistake. Here's How to Avoid It

How to help seniors who are hoarders

Pros and cons of independent living facilities

Medical cost disclosure

Liquid Real Estate - Call 888-629-7864 - A “Hands-On and On-Demand” discussion about how to avoid being locked into residential real estate. Don’t delay, do it now.

Boss Frames

A passenger on a Southwest Airlines flight from Sacramento to Los Angeles was reportedly removed from the plane after he made a joke

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Show NotesWe are traveling and this episode was recorded on the road. You do not need to wait until 70 1/2 to take money out of your IRA.Tax timing is a concept you must think about. Why? You want to pay taxes when the rates are low, not high.The failure to take enough our of your RMD (Required Minimum Distribution) will result in the tax plus a 50% penalty. Always take out more than the RMD to be safe.People actually forget about IRAs they have and thus there’s a problem with RMD calculations.Do you honestly think tax rates will be higher or lower in the next ten years?Define rich in terms of income and net worth.Buy low - Sell high - Pay taxes when rates are low.Go for tax advice to a professional accountant, not an insurance agent, investment advisor, broker, or jack-of-all trades financial planner.Phone use by children is a problem. Did you know that every school is dealing with the issue of burner phone dealers? You thought it was just drugs that they were dealing, wrong.Parents who do not know how to be parents. Both mommy, daddy, sis, and bro have phone addiction. No phone, name calling, and complete breakdown. Grow up and put the phone down.Use technology rather than allowing technology to use you.Sales pitches and alternative performance metrics being used by IPOs are not being bought by investors in the secondary market. If you are not profitable, why are you investing in the company? Shades of the 1999 tech bubble? Don’t be suckered by burn-rate pitches. You want a return of your money, then a return on your money.Beware of creative accounting methods.Focus on the bottom line.Guilt leads to spending more money. One has a problem and to feel better, the solution in the brain to make the pain go away is to spend more. Window shopping often leads to compulsive shopping. Like a drug, shopping is addictive. Pay in cash. In a world of digital everything, there’s a need to pay cash and keep it real. Addiction to drugs, alcohol, smoking, spending, and more. Who goes back to smoking and drinking after a heart transplant?50% of the population has an addiction issue of some type.Spending addiction will be an ongoing feature of Connecting Dots. Why do so many people have a spending problem? What are the common excuses? What are the neuroscience studies behind spending telling us?ADD - Concentration - Focus - You’re fired.Games, sporting events, sex, work, and spending. Some addictions are profitable others are not. Focus on those addictions that are profitable but balance life when possible. Mild to uncontrollable addictions.The survival addiction - yes, it’s needed.Those with and those without, who will you bet on?Wayne’s World - Not Worthy - We’re ScumModern Minimalist MethodsBlack, White, Gray Micro, Mezzo, Macro, Automatics, InstinctHigh Risk Investing - Pleasure & Pain - Related to Drug UseAssociated Power Rush - Love / Hate RelationshipInsecurityInvesting, Speculation, Gambling - Risk HighsPavlov’s Dogs - Tick Tock - Do you need to stab yourself?Stop the financial salivation. When you are in deep trouble, turn in to tune it out. Create the pain and shift the pleasure.Bonus FeatureClick on the blue Intercom button and we’ll invite you to our limited-run “Liquid Real Estate - Hands On” video presentation.

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Uber and Lyft are two transportation companies that have a wide but shallow moat. Companies, such as Uber, Google, and others, seeking to perfect AI controlled driving, have billions invested, that's the wide part of the moat. The concept of local transportation of people and things is not difficult to replicate. That's the shallow part of the moat. Applications can empower the smallest company and the largest, but there will always be the Old School way of doing things.

The Old School way of doing things often involves laying hands-on. Degeja Coffee, Tea, and Art Shop in Wesley Chapel is a cute coffee shop that puts Starbucks to shame. Degeja is the type of place that makes you feel comfortable, relaxed, and appreciated. Old School is great, but NEw School is required as well. One must be online and involved in social media to promote one's business in today's digital world. Thus our concept of ONE School.

To lure high-quality employment into a city, most governments seek the biggest bang for the giveaway tax dollars. That's right, giving away tax dollars to medium and large companies, such as Amazon, with the hope and prayer of getting people to work, shop, play, and stay. Then there's Tulsa, Oklahoma and the effort to lure individuals on an individual basis to make Tulsa their home for mobile working.

While technology can solve problems, once again, it requires hands-on treatment of people with Alzheimer's and dementia. It's sad but true, for many, it is truly a circle of life, from crib-to-crib. Along the way, it's the mind that goes which we all fear, but it's the business lifestyle mindset that many rags-to-riches stories are made. Sadly, it's back to the rags for many who have the physical "it" but not the "mental" it. From Mike Tyson, Evander Hollyfield, and many others, the roadway of life is littered with l non-Valley world of clueless.

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Show NotesNew schedule: Monday, Wednesday, FridayChris Hughes tells Facebook to shove itDots.fmAnxious college graduatesAmazon buying shopping mallsGuardian & trustee oversight for retiree real estateThe sex crime convict moves into the neighborhoodOnce upon a million, blown oh so often888-629-7864Ybor City Wine BarFranklin MannorDesign by Degaje - Degaje FacebookIAGDTBA / IJDM

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The Securities and Exchange Commission (SEC) appears poised to crack down on the use of words like may, could, and might. There is no place in a professional ADV for these words. Be specific or get out of the business.

United States Court of Appeals for the District of Columbia, No 16-1453 - The Robare Group, Ltd, et al v. Securities and Exchange Commission

Investment advice should be simple with uncomplicated procedures and understandable language. We are do not make mountains out of molehills.

A true fiduciary is conflict free in appearance and reality. Any form of discriminatory compensation makes void and null anyone’s statement that they are a fiduciary.

Conflicts exist when a person or organization has multiple interests, financial or otherwise, and serving one interest works against the interest of another. AUM is a commission scheme whereby two clients, with identical holdings, are paying different commissions, solely based on the value of their accounts.

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AI isn't all that A+, A, or A-, often just a minus

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Trends in dining affects real estate usage.

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Show Notes:

WeWork - We Company

Coffee Town

No Real Estate

Ray Bought Real Estate - McDonalds

ZOOM Isn’t Zoom - ZM

What is Co-Working

Optimization Technology - Something PNP Discuss Daily in Forecasting

Sublease

According to a Deskmag survey, only 40% of all coworking spaces are profitable. The highest hidden cost of operating a co-working space is building and keeping the right team in place. High staff turnover costs coworking spaces a lot of time, money, and potentially members.

Michael Keaton - The Man Behind McDonalds

You’re in the real estate business. Tell me about the land. “You don’t seem to realize what business you’re in. You’re not in the burger business, you’re in the real estate business.”

Microsoft Office Locations - U.S.

43,680 Engineers

Darden Sells HQ and Holdings

https://www.zerohedge.com/news/2019-03-25/wework-made-18bn-revenue-last-year-it-lost-19-billion

Five intriguing trends in the multifamily housing world

Rode Mobile Interview Kit

Why don't more businesses rent apartments as their office space considering that it's much less expensive per square foot, even in the exact same area?

Office Depot Pilots New Co-Working Space

The unintended cost of regulation stifles business

Here’s Why Uber & Lyft Voluntarily Shut Down In Austin

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Pending

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Show NotesBecause we missed a few days this week, this will be an extra episode of Connecting Dots. In this episode, I’ll chat with you about delegated and directed trusts. Moving from what a living trust and the related documents are for estate planning, briefly, we’ll explore the pancake-forced distribution of sudden wealth to stupid people who blow the value of your blood. Strong language and a challenging discussion as I speak about stupid parents who couldn’t save a nickel because everyone burns a hole in the pocket to get out. And we’ll chat about Commission Charlie who wants to be named as the legacy advisor to make crazy high commissions for doing, well, not much of anything. Let’s have coffee and chat, then let’s think about it.Ten people who won the lottery and blew it all1 - 6 NFL players go brokeSports Illustrated recently estimated that 80% of retired NFL players go broke in their first three years out of the League. How is this possible in a sport rolling in revenue with an average salary of almost $2 million a year? 5 Reasons Why 80% Of Retired NFL Players Go BrokeLousy and incompetent investment advice and conflicted financial planningSupporting the posseDivorce, divorce, divorce, divorce, child, child, child, child, child, child, child, child, oops, child, and well, another one.Short-term time horizonNo planning for a second career and a business lifestyleAn overwhelming number of studies and surveys show that the those who receive a life insurance death benefit will quickly blow the money.

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Features and specification of the Rode SC6-L

New iPhone Microphone Kit for Interviews — Rode SC6-L Review

Rode Microphones SC6-L Mobile Interview Kit Corporate Website

Want to learn better? Start mind mapping | Hazel Wagner | TEDxNaperville

Calling all Moleskine fetishists – you may yet get a share in Hemingway

5 Google Keep Tips You’ll Wish You Knew Earlier (Mobile App) - Go to 4:55 in the video for digital audio and voice to text.

Voice Record Pro 7

This is the first podcast using the Rode SC6-L Mobile Interview Kit. I am using both microphones and out for a walk late at night. This is a different type of podcast and one that I think will be used often.

During our chat I’ll talk about our recent Meetup [Podcasting for Business, News, and Fun], how the Rode Mobile Interview Kit works with and without the recording software. We’ll talk about the Voice Record Pro 7 and how we’ve recorded in the filed previously. Lastly, we’ll tie it together with Google Keep and voice to digital recording coupled with mind mapping and Moleskin notebooks.

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Fixed Cost Financial's Chief Technology Officer Paul Grant Truesdell, II reviews a range of internet security issues and why a password manager is an essential tool for everyone.

Show Notes

Security Newsletter

Security Newsletter: Issue 125

1Password

Youtube: 1Password - No More Sticky Notes

Lastpass

Dashlane

Enpass

Facebook apps logged users’ passwords in plaintext

Facebook, on Mueller Day, drops bad Instagram news in a month-old blog post

Yahoo! data breaches

Wikipedia: Data breach

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Life is Learning

Learning to learn is one of the most important things a person can do in life. Teaching the ability to learn coupled with a growth mindset with persistence is required to accomplish great things. Blaming others when it's the one in the mirror who is at fault. You can do this, you really can.

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When I began in the investment advisory business in 1986, we were expected to wear a suit. The same was true of the police department where I had worked previously, but a jacket and slacks were more common. Those who wore a jacket and pants at the advisory firm, however, were pushing it. I didn't push it, and thus I've always had two dozen suits of various weights for northern cold and Florida damp climates. The dress code was traditional but not as rigid as that of the 1960s, what some would call the Mad Man era. In the 60s, my father had several basic black and blue suits, many white and a couple of blue shirts, and many black and medium blue and red ties. All of his shirts were pressed, folded, and in thin plastic bags. Shoes were always black wingtips. The only flare was a white pocket stuffer, that was firmly held in place and presented a straight white line across the left breast.

Then the late 60s came along, and someone higher up said the company had lost its way by not keeping up. Leisure suits were expected to be purchased and worn. Younger customers expected a hip executive and the world was changing. My father struggled with the change, and didn’t like it.

I have a picture of friends and me from the 80s when the television show Miami Vice was popular. It’s a polaroid of four people about to go out for the evening, and it’s one of those that today brings out the comment, “what were we thinking?”

In March of 2019, Goldman Sachs announced that suits and ties were now optional. I found this announcement unimaginable as I know of several men who were dismissed for violating the dress code. In one case, while at lunch at a small diner in New York City, two traders took their jackets off as the air conditioning was broken and the jammed pack diner was extremely hot. A partner at the firm spotted the two, and upon their return, they were greeted at the receptionist desk with a security guard and a box for each containing their belongings. They were terminated and walked out the door. While jackets could be removed while working as a trader, a golden boy was never to be seen outside without their monk-like bespoke suit, shoes, and tie. I understand what some will go through with the new flexible dress code that favors a more casual environment.

The polished and pressed suited employee looks to be a thing of the past, at least for the next few years. This signals the firm grasp of a widespread change in workplaces across America. Although dress codes have relaxed, they are now more complex than ever, and I’ve dealt with the problem for decades. When it comes to administrative staff, I’ve resorted to a uniform shirt and solid color matching slacks at times. Why? Because I’ve had people at times who abused the flexibility and pushed the limits. I feel that there is always a need for a sense of uniformity and professionalism, no matter the level of formality, at all places of work. From the coffee shop to the bank, I sense there will be a growing trend towards corporate slacks and shirts. And it’s not like I’ve not seen this trend for years. While attending Network After Work events, I rarely see a man in a suit and tie, but the corporate polo is typical.

Clothing, coupled with demeanor, are outward expressions of self, beliefs, and lifestyle, and people today definitely resist regulation; unless you wear a red MAGA ball cap, and then for some you’re a punching bag.

When setting a dress code, it's essential to think about who you are, the circumstances, and the image you want to put forward. If a lawyer shows up for court in jeans and a T-shirt, there’s going to be a problem, but for the same lawyer attending a creative meeting for a startup, some may be fine with it, others not.

In today’s Connecting Dots podcast, I will discuss the opportunities for those who have mastered the art of adapting to the situation when both in and out of the office and how much of what many are struggling with is not new, just different as times change.

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Connecting Dots Episode Page

Twitter - Bogus Advice

AUM = Commissions, Excessive Investment Allocation

Liquidity

Business Cards, Everyone Can Do Something

Lottery Winner

Cash, Near-Term Cash / Working - Retired

How Much, Project Management

Project Management, Internal Monologue, Asking Questions, Outlining, Mind Mapping, Pen and Paper

Five Budgets, Reasons

Five Deadly Ds

Late in Life Learning, Habits, Ruts

Income, Contractual, Unearned, Earned (CUE)

Monthly Shortage

Quarterly Shortage

3.82% = 0.0382

Very Aggressive 12, Aggressive 24, Moderate 36, Conservative 48, Very Conservative 60

Get Started Today

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Extremists do more damage than good with their ridiculous claims. An AR15 does not make bazooka size holes in people, stop the fake-news reporting. With everyone anti-everything, wearing a pair of tactical pants might upset the sensibilities of some, even when one only wants to carry things efficiently and effectively without lugging an ever-growing shoulder bag. And how about Twitter; what's it useful for? Not much during the NCAA tournament and Game of Thrones when it comes to a specific group of people. Which means paying attention to the stock market isn't high on the priority list for some. Buy high and sell low is as solid as ever. And who would have ever thought Trump would be the environmental President? Burning the burning man with demands for clean environmental behavior, and generation four nuclear power poo-poo eaters. You'll have to listen to understand.

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Connecting the dots with popular television shows and the real world of venture capitalists burning money.

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Mutual funds are widely held, and many investors will say they understand how they work, but that’s not true. The overwhelming majority of mutual fund and ETF shareholders are woefully unprepared to make an informed decision, and this includes those who pride themselves as do-it-yourselfers. For those picking their first mutual fund, it can be intimidating. As a result, most people delay years, even decades, before they begin to invest. Continually putting off what needs to be done is a huge mistake. It’s easy to put off doing what’s right when it takes effort, but buying into the wrong approach, a fake advisor, and false savings vehicles can be both financially and emotionally crushing. In today’s Connecting Dots podcast, we expose a bit of the truth about mutual funds, ETFs, pension plans, 401(k)s, 457s, 403bs, advisors, agents, bankers, brokers, dealers, and those horrible financial planners who are pulling the wool over the eyes of a large segment of the investing public.

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Stop eating for an extended period of time and the results are amazing.

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Paul Grant Truesdell and Paul Grant Truesdell, II of FCF discuss the fantastic story of Space X. Where is the ticker tape parade for Elon? Don't hold your breath. Then there's Boeing and Lockheed. Is their trail of woes their fault or could it be a lack of quality talent coupled with massive internal and external politics? Uber and its lack of a wide-moat coupled with the desire for more regulation by big players like Facebook. These and other items are dots that connect in this episode of Connecting Dots.

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Lifeboats for ships and lifeboats for skyscrapers. Let's talk about who's doing what with an eye on who might be poised to make money in the near future; without naming names.

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Let's talk debt and what we pay versus another country. Let's talk about working with a degree, without a degree, an playing games. And what about that steady 50% figure that doesn't pay and won't plan, is there a connection?

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How did the S&P 500 do in the 4th quarter?

How did the S&P 500 do in the 1st quarter?

What did most investors do?

The impact of the big 3% on the full S&P 500 index.

Buy baby buy back that stock.

Institutional versus retail investors.

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Income Inequality, The CEO is an Employee, Rubber Room Boards, Voting No, Confidence & Thomas Jefferson. We answer a few questions and talk about excessive compensation. The power of voting individual shares of stock in a world that is controlled by large institutional investment advisors, banks, brokerage, pensions, and insurance companies. The little guy needs a voice. We also talk about Thomas Jefferson and relate his views on the press to public surveys. Legit or not, who knows for sure.

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Will we have a rational discussion about nuclear energy? United States Senator Lamar Alexander opens the discussion by including climate change as a reason to talk.

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If China cannot stop the exportation of illegal drugs that is killing tens of thousands of Americans each year, then why should we waste time negotiating with them. The effect on business isn't funny. Then there's the political incoherence in the nation is sad, especially when it includes Members of Congress. And then we have Jamie Dimon who just work up to the power of a homogeneous society, which happens to be China.

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Walmart and Amazon are fighting for space in the voice-ordering space. Walmart is connected to Google and Amazon has Alexa. Apartment growth and international investments shifted a bit and affordable housing continues to be a problem in many dense urban areas. As for jobs, manufacturing continues to hold its own.

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This episode of Connecting Dots is a Deep Dive into the history and current environment involving variable annuities. The discussion expands into fixed, immediate, deferred, equity index, pensions, charitable trusts, emotional based selling, and professionalism. Instead of attending a lunch and learn seminar where the goal is to sell you a high commission insurance product, stay home and pour your own coffee while listening to the dots being connected.

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Traditional and Roth IRAsInflation Ponzi SchemesLong-Term Care

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Self-driving vehicles, programing, and the 737.

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Most of Boeing 737 MAX Fleet Now Grounded Amid Safety ConcernsAttention Clients of FCF -

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In this episode, we talk about being close to unconcerned financial independence when retired.

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Dinner. Robots. Food. Preservatives. Convenience. Lazy. Skills. Engagement. The door-to-door world of convenience may have terrible long-term condequences.

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Airlines in China, Indonesia, and other nations, have grounded the 737 MAX 8 after a second crash involving the best-selling Boeing aircraft in less than five months. Looking at the complex chess match of globalism and international trade reveals relationships worth considering.