Shows
Coasting In Retirement with Josh NullEpisode 55: Long Term Care with Jay StubbsI want to discuss what is called an “evergreen” topic with Jay Stubbs on our show – Long Term Care. I’ve been getting a lot of questions about long-term care recently, and as Jay is considered an expert in this field, I wanted to spend 15 to 20 minutes with Jay discussing everything a person should know about long-term care insurance and how to financially navigate an extended health care event. Let’s start with this because many listeners have probably never had this type of protection explained in detail to them – Jay, how do you define long term care insurance?2025-05-0554 min
The Blerd WireOscar Snubs and Dubs - Part II (feat. Film Therapy)CinematographyTHE BRUTALISTLol CrawleyDUNE: PART TWOGreig FraserEMILIA PÉREZPaul GuilhaumeMARIAEd LachmanNOSFERATUJarin BlaschkeCostume DesignA COMPLETE UNKNOWNArianne PhillipsCONCLAVELisy ChristlGLADIATOR IIJanty Yates and Dave CrossmanNOSFERATULinda MuirWICKEDPaul TazewellDirectingANORASean BakerTHE BRUTALISTBrady CorbetA COMPLETE UNKNOWNJames MangoldEMILIA PÉRE...2025-02-281h 35
Coldwired Podcast. Trance and Progressive.'The Disco Lounge'Coldwired Podcast (Follow on Facebook: facebook.com/ColdwiredMusic). 'The Disco Lounge'. Tracklisting:
[00:00] 01. Joe Goddard - Music is the Answer (Peza Rework) [Domino]
[05:36] 02. Gat Decor, Framewerk - Passion (Do You Want It Right Now) (Framewerk Rewerk) [Bandcamp]
[10:16] 03. KLF, Lifelike, Kris Menace - What Time Is Love (Live at SSL mix) [SPINNIN' DEEP]
[13:36] 04. My Friend Sam, Framewerk - It's My Pleasure (Framewerk 4X4 Rewerk One) [Bandcamp]
[18:10] 05. S'Express - Theme From S'Express (Detlef Remix) [Hot Creations]
[22:45] 06. Eric Prydz - Every Day [Virgin Records Ltd]
[28:33] 07. Inner City - Goodlife (Simon Doty Remix) [Bootleg]
[32:22] 08. Mory Kante Vs Loverush UK! - Yeke Yeke 2011 (Solar Stone Deep...2025-02-271h 24
30 Albums For 30 Years (1964-1994)The Four Tops -Reach Out(S4-Ep13) The Four Tops - Reach Out (Motown)Released July 1967 and Recorded between 1966-1967Reach Out is the Four Tops’ best-selling studio album and a landmark Motown release. The album features their signature hit, “Reach Out I’ll Be There,” It showcases Levi Stubbs’ passionate vocals, dramatic orchestration, and the Funk Brothers’ impeccable musicianship. Other standout tracks include “Standing in the Shadows of Love,” “Bernadette,” and “7-Rooms of Gloom,” all highlighting the group’s dynamic intensity and James Jamerson’s masterful bass playing. This was the last album the Four Tops recorded with the legendary...2025-02-2615 min
Coasting In Retirement with Josh NullEpisode 43: The Science Behind Risk Management with Jay StubbsAlright, let’s get to our main topic today. Jay and I are going to break down the science behind how life insurance, disability income and long term care insurance work, the differences between individual and group coverages, and probably most importantly, the steps you need to take to get these different types of coverages, if you are interested.2024-12-0154 min
Keepin' It Real with Cam MarstonOwlsOn this week's Keepin It Real, Cam tells us about some early morning attacks that are happening in his part of town. You'd be surprised at who is doing the attacking. ----- On the top of the Tangles Hair Salon on Bit and Spur Road in Mobile sits a hat and a headlamp with its light on. The headlamp is the type that an early morning jogger wears before the sun comes up. How it got up there is a heck of a story. Dennison Crocker jogs before daylight nearly every morning. His...2024-10-2504 min
Dangerous Conversations w/Doug Gilbert and Tommy RichDangerous Conversations Episode #10: Featured Guest - Dr. Tom PrichardThis week Doug welcomes another great friend of his to the show, Dr. Tom Prichard! The guys have fun reflecting on their great times as neighbors in the Continental territory where Doug learned from guys like Tom, Jerry Stubbs, "Nightmare" Danny Davis, and others. Tom tells about working with Brian Christopher in the USWA early in Brian's career and shares a fun story from the Mid-South Coliseum where Brian's car was on the line and Brian's girlfriend learned to keep the window's rolled up! Plus, way too many great stories to mention here, check out the interview and let us...2024-10-101h 18
Omnia BalearicOmnia Balearic - Zenozmos - Multiset 08 - Part 03 #801 - 00:00:31 - Baboop - Yes We Can (Luis Junior Remix) [FMC Phonograph]
02 - 00:02:56 - Elevate - Cycle Time (Original) [Superordinate Music]
03 - 00:09:39 - Torsten Fassbender - Nocturna (Tommaso De Donatis) [Platipus]
04 - 00:16:21 - Marc Pollen - Die Like A Hero (Subandrio Remix) [Balkan Connection]
05 - 00:22:33 - C-Jay, LOM (AR), Stephane Gervais - Dormarch (D-Formation & Masella Remix) [Perspectives Digital]
06 - 00:27:11 - Hector Cortes - Diatoms (Original Mix) [Stellar Black]
07 - 00:32:52 - Bagsol - Zona Pura (Original Mix) [Balkan Connection]
08 - 00:38:02 - Carlos Bacchus - Melinoe (Original Mix) [Balkan Connection]
09 - 00:41:38 - PROFF - Light Magic (Extended Mix) [Monstercat]
10 - 00:48:21 - Tube...2024-09-292h 05
Every Dollar Counts with Josh & JayHow to Work with Jay & Providence PartnersIn this episode, Josh Null and Jay Stubbs discuss Jay's experience and role at Providence Partners and Providence Benefits. Jay shares his personal story of how his father's passing and the importance of life insurance influenced his decision to pursue a career in the financial services industry, focusing on the risk management side. He explains his role as an intermediary and advisor to financial advisors, helping them navigate various risk management solutions for their clients. Jay also discusses the multidimensional approach of his firm, their mission to build strong relationships with producers, and the importance of having a team-based...2024-08-0621 min
Alex MAVRAlex MAVR - Trance Territory #88300. Alex MAVR - Intro
01. Tom Boldt feat. Ellie Lawson - As The Leaves Turn To Brown (Extended Mix)
02. Costa & Stine Grove - Mirror of My Dreams (Extended Mix)
03. Costa feat. Ana Criado - The Secret Garden (Extended Mix)
04. Costa feat. Waltin Jay - Runaway (Extended Mix)
05. Nicholas Gunn & Alina Renae - Older (Costa Extended Mix)
06. Noise Zoo feat. Caitlin Stubbs - Reverie (Elypsis Extended Mix)
07. Aurosonic feat. Kate Louise Smith & Denis Karpinskiy - They Wait For Us (Progressive Mix)
08. Sarah Russell - If I Could (DoubleV Remix)
09. Ana Criado & Key Lean - Imperfect Souls (Extended Mix)
10. Sleepthief & Roberta Harrison...2024-08-041h 00
Coasting In Retirement with Josh NullEpisode 35: How to Plan for Future Tax Increases and How Elections Effect Your MoneyJosh is here today to discuss financial topics relevant to those of you in or near retirement living your best life along our part of the gulf coast with Jay Stubbs. Takeaways Jay has the esteemed credentials of CLU, which stands for Chartered Life Underwriter, meaning that Jay has high level training in life insurance and how that ties into estate planning In the past when the estate planning exemption was $2 million, or $1 million, or heck, just $650k at the turn of this century Trillions of dollars in tax breaks enacted by former President Donald Trump...2024-07-0858 min
Every Dollar Counts with Josh & JayRIAs, IMOs, BGAs: What Financial Advisors Need to Know In this episode, Josh Null and Jay Stubbs explore the complex world of financial services acronyms. Starting with an overview of their roles and backgrounds, they explain the various organizations and terms that industry professionals encounter. They discuss FMOs (Field Marketing Organizations), IMOs (Independent Marketing Organizations), and BGAs (Brokerage General Agencies) and how these differ from captive carriers. Josh and Jay also touch on related acronyms like RIA (Registered Investment Adviser) and IAR (Investment Adviser Representative), clarifying their nuances. They talk about the benefits these organizations provide, such as offering a range of products and helping advisors s...2024-06-2615 min
Every Dollar Counts with Josh & JayHow to Incorporate Insurance Planning with Advisory Clients In this episode, Josh Null and Jay Stubbs delve into a step-by-step guide on how financial advisors can introduce risk management to their clients. The discussion is tailored for curious investors and industry producers, whether independent, semi-independent, or captive. Jay emphasizes using real-world "what if" scenarios to help clients understand the importance of risk management related to life insurance, disability income protection, and long-term care. They discuss practical strategies for advisors to engage clients and propose risk management solutions, highlighting the importance of timing, regular policy reviews, and support after the sale. Josh...2024-06-1917 min
Every Dollar Counts with Josh & JayRe-Launch! In this episode of Every Dollar Counts, hosts Josh Null and Jay Stubbs mark the podcast's return after a nearly two-year hiatus. They catch up on significant career changes: Jay is now an agency owner with Providence Benefits, and Josh has launched his own investment advisory firm, Gulf Coast Financial Advisors. The hosts announce a shift in the podcast's target audience to semi-independent, independent, captive agents, producers, and advisors. The episode delves into mutual support in their professional journey, emphasizing risk management solutions. Future episodes will explore topics like becoming an independent financial advisor, integrating risk management into financial planning, a...2024-06-0517 min
610 PodcastPhiladelphia Phillies come back to win 8-3 in the 9thInterested in getting in on the conversation?? Click this link and send me a text!!The smallest guy on the team came up in a big moment last night as Garrett Stubbs comes through in the 9th to hit the go-ahead run for the Philadelphia Phillies! #RingTheBell #Philadelphia #Phillies #MLBTwitter2024-05-2616 min
Coasting In Retirement with Josh NullEpisode 31: Jay Stubbs with Providence PartnersJosh is here today to discuss financial topics relevant to those of you in or near retirement living your best life along our part of the gulf coast with more exciting news and Providence Partners! Coasting in Retirement in the running for the Lagniappe Nappies best radio show Long term care can protect your savings and lend you peace of mind for loved ones 65 year old couple if waiting 10 years, on average their premiums would double 2024-05-1054 min
The Barefoot BroadcastWho and what are the catalysts for change in our lives that we have misidentified as our enemyThis show is with Sarah Taylor and Jay Atkinson! The Barefoot Broadcast provides a safe space for us to explore all the big questions of modern day life on Earth. A space where we can lift each other up, and appreciate different points of view and creation. But there will be strong moderation with name calling and ‘othering’. Let the conversations begin! x✅ Arrange a coaching session with Louisa ➜ https://feelgoodastrology.com✅ Buy us a coffee here ➜ https://ko-fi.com/thebarefootbroadcast✅Subscribe to this channel ➜ youtube.com/@thebarefootbroadcast✅Subscribe to Louisa’s other channel ➜ youtube.com/@feelgoodastrology...2023-11-151h 16The Barefoot BroadcastLiving beyond depression with Louisa Munson and Jay AtkinsonThe Barefoot Broadcast provides a safe space for us to explore all the big questions of modern day life on Earth. A space where we can lift each other up, and appreciate different points of view and creation. But there will be strong moderation with name calling and ‘othering’. Let the conversations begin! x✅ Arrange a coaching session with Louisa ➜ https://feelgoodastrology.com ✅ Buy us a coffee here ➜ https://ko-fi.com/thebarefootbroadcast✅Subscribe to this channel ➜ youtube.com/@thebarefootbroadcast ✅Subscribe to Louisa’s other channel ➜ youtube.com/@feelgoodastrology✅Subscribe to Carl’s other channel ➜ youtube.com/@goodmorningport...2023-10-191h 23The Barefoot BroadcastWhat can You Feel In Your Waters? With Louisa Munson & Jay AtkinsonJoin us live as we explore the question of 'What can you feel in your waters?' with our special guests. The Barefoot Broadcast provides a safe space for us to explore all the big questions of modern day life on Earth. A space where we can lift each other up, and appreciate different points of view and creation. But there will be strong moderation with name calling and ‘othering’. Let the conversations begin! x✅ Arrange a coaching session with Louisa ➜ https://feelgoodastrology.com ✅ Buy us a coffee here ➜ https://ko-fi.com/thebarefootbroadcast✅Subscribe to this channel ➜ yout...2023-10-171h 10
Coasting In Retirement with Josh NullEpisode 20: Long Term CareToday your host Josh Null and co-host Jay Stubbs things you need to know about long term care. Independent or assisted living facilities often have waiting lists that are months or years long Your age is one of the most significant factors to consider when deciding on the timing of a long-term care insurance purchase Cashing out an asset-based long-term care plan may trigger a surrender charge. This surrender charge is typically a percentage of the policy’s value so if you have a significant amount of coverage, the surrender fee could be on the steep side 2023-10-0654 min
The Barefoot BroadcastWhat gets you excited about life? - | The Barefoot Broadcast with Louisa & Carl MunsonJoin us live as we explore the question What gets you excited about life? with special guests Vinnie Grant & Jay Atkinson The Barefoot Broadcast provides a safe space for us to explore all the big questions of modern day life on Earth. A space where we can lift each other up, and appreciate different points of view and creation. But there will be strong moderation with name calling and ‘othering’. Let the conversations begin! x✅ Arrange a coaching session with Louisa ➜ https://feelgoodastrology.com✅ Buy us a coffee here ➜ https://ko-fi.com/thebarefootbroadcast✅Subscribe to this channel ➜ yout...2023-09-261h 22
The Jerry Jonestown MassacreShow 543 – Let’s Get Itchy!
This week we welcome our friend Richard Keller into the Temple. Some of you might know him better as the frontman of Itchy Richie and the Burning Sensation. We reviewed last weeks first ever Pearl Jam show in Fort Worth, The Cowboys and the state of the NFL, and a fantastic Formula 1 race. We also look forward to this Saturday at Pouring Glory for the Annual Fort Worth Roots Party featuring our guest, Itchy Richie and the Burning Sensations, as well as Late to the Station, Cassandra May Lorance, and the Jay Birds. The festivities begin at 11am and...2023-09-212h 45
Cancelled Movie ReportBONUS! Star Wars: Duel Of The Fates (COMPLETE FILM AUDIO DRAMA)This is an EXTENDED AUDIO DRAMA made from our previous episodes covering the project.
We are between seasons right now, so we wanted to keep you all entertained.
Our report on Star Wars: Episode 9 - Duel of the Fates is one of our most popular ones. We have had requests for years to go back and finish the film... So we did. That's right... This is the WHOLE film as an audio drama. We have taken our report and used it as a narration and framing device, but added OVER 30 MINUTES of new scenes!
2023-09-191h 42
The Barefoot BroadcastWhat harsh truths do you prefer to ignore_ - _ The Barefoot Broadcast with Louisa & Carl Munson (1)Join us live as we explore the question What harsh truths do you prefer to ignore? with special guests Jay Atkinson & Vinnie M GrantThe Barefoot Broadcast provides a safe space for us to explore all the big questions of modern day life on Earth. A space where we can lift each other up, and appreciate different points of view and creation. But there will be strong moderation with name calling and ‘othering’. Let the conversations begin! x✅ Arrange a coaching session with Louisa ➜ https://feelgoodastrology.com✅ Buy us a coffee here ➜ https://ko-fi.com/thebarefootb...2023-09-071h 34
Bonzai Basik BeatsBonzai Basik Beats 676 | Gav EasbyWe welcome Gave Easby back to the Bonzai Basik Beats hot seat for this week’s guest mix, and once again he blows us away with another sublime set to kickstart the weekend. Tracks and remixes come from the likes of Verche, Govinda (Arg), Massive Attack, Murilo Damasio, Bianco Vargas, Pedro Lou, Danny Stubbs, Evan Henzi, Luke Brancaccio, Gai Barone, Emi Galvin and many more.
1. Verche - Riptide (Luke Brancaccio & Gai Barone Remix)
2. Pedro Mercado & Yves Eaux feat. Jay Davi - Chakra (Yves Eaux Mix)
3. Govinda (Arg) - Plexo Solar (Diego Acosta UY & Enzo Paradiso Remix)
4. Ye...2023-08-181h 00
Patriot to the CoreEp 107 | The Mark Forester Foundation Charity Golf Tournament – Aug 11, 2023
The Mark Forester Foundation’s annual golf tournament will be held Friday August 11, 2023 at the Robert Trent Jones Golf Trail in Muscle Shoals, AL.
In this episode, I chat with Doug Cole and Jay Stubbs who are long time participants and supporters. We talk about the course, the value of the entry fee, prizes, experiences and why they keep coming back each year.
My family and I appreciate the tremendous help we receive from these families that support my brother’s foundation.
The MFF always needs sponsors, so if you’re interested in sponsoring...2023-07-1722 min
Mondo JazzMagos Herrera, Karl Berger, Asher Gamedze, Gretchen Parlato & MoreA remembrance of Karl Berger, the stunning new album by Magos Herrera [pictured], and a whole bunch of projects you can find along the Johannesburg-New York-Chicago expressway.The playlist features also Sam Butler; Kirk Knuffke, Jay Anderson, Matt Wilson; Gretchen Parlato, Lionel Loueke; Magos Herrera; Ken Stubbs; Asher Gamedze; Good Intentions; Scree; Malcolm Jiyane Tree-o & Grandmaster CAP.Detailed playlist at https://spinitron.com/RFB/pl/17442424/Mondo-Jazz (up to "Surrender Is Easier Said Than Done").Happy listening!2023-06-091h 07
Dashing Onions AudioPerfect Retreat Episode 5 Create or Die“PERFECT RETREAT, Episode 5 – Create or Die” is written and produced by Fiona ThraillePlease click here for the transcript (please note, the transcript is the script, which is usually almost exactly identical to the performances) and further credits. Trigger Warning: A potentially supernatural encounterCASTIn order of appearanceSam - Erika Sanderson The Operator - David AultNatalia - Kirsty WoolvenShel - Nathan BladesMaja - Karin HeimdahlMarnie - Fiona ThrailleMUSIC The song "Vem kan segla...2023-05-1216 min
Bet The EdgeEarly look at Final Four Games, NBA MVP Price Shift + Miami Open Round of 16March 27: Jay (@croucherJD) and Drew (@whale_capper) start the week welcoming Grand Slam Champion Rennae Stubbs (@rennaestubbs) who handicaps the Round of 16 at the Miami Open including a marquee matchup between Barbora Krejcikova and Aryna Sabalenka. The trio also break down pricing in the outright market on both the men’s and women’s side before Jay and Drew give their initial thoughts on the Final Four games next weekend and conclude with the latest price shift for NBA MVP.(1:50) – Women’s Round of 16 Matches: Barbora Krejcikova-Aryna Sabalenka and Petra Kvitova-Varvara Gracheva(7:00) – Women’s Singles Outright: Qu...2023-03-2742 min
Rick's Random RadioGhouls night outRobin Trower,Angry Samoans,The Evens,Hot Snakes,Troubled Horse,Mach Hommy, The God Fahim,Papoose,Illa-Noyz,Grafh, Dave East,38 Spesh, Ransom,Murder One,Frankie Stubbs,Holy Sons,King Gizzard And The Lizard Wizard,Blackwater Holylight,Electric Citizen,Mothership,Screaming Jay Hawkins,Misfits,The Ramones,Bobby "Boris" Picket,Gerard McMann,Send us a text2022-10-281h 27
What’s Next?Buffalo, What's Next? | The Healing Arts and Teaching STEM.Today, Jay Moran with Shirley Verrico from the Buffalo Arts Studio about how arts in the community, some of their programs and the emotional connections that art can play in healing. Then Thomas O’Neil-White talks with Malik Stubbs, a youth mentor who works with young men of color in the “Breaking Barriers” program, and is engaged in teaching STEM at the Delavan Grider Community Center.2022-10-2459 min
Un día como hoy en la músicaEfemérides de 17 de octubreEl nacimiento de:
- La cantante y compositora Jeanine Deckers, más conocida como The Singing Nun
- Rico Rodriguez, que tocará con The Specials, Jools Holand y Paul Young
- El cantante y composior, Jim Seals, la mitad del grupo Seals and Crofts
- El baterista Michael Hossack componente del grupo The Doobie Brothers
- El cantante y compositor Ziggy Marley, que es el hijo de Bob Marley
- Wyclef Jean, miembro de los Fugees
- El cantante y compositor, Chris Kirkpatrick, miembro de NSY...2022-10-1725 min
MIX AT MIDNIGHTTrance Forever 15 - Vocal Heaven LIVE 09/10/22Well it's back after a good break! Vocal Heaven RETURN 2022
**TRACK LIST**
* Above & Beyond, Marty Longstaff - Chains feat. Marty Longstaff
* Tritonal, Codeko - Superhuman (Ferry Corsten Extended Remix)
* Kryder, Natalie Shay - Rapture
* Alexander Popov, Whiteout - Never Cry Again
* Super8 & Tab, Nazzereene - Lightning feat. Nazzereene
* Greg Downey, Christian Burns, Ben Nicky - Always feat. Christian Burns
* York, Adam Novy - Till We Meet Again (Patrik Humann Extended Remix)
* Above & Beyond, Richard Bedford - With Your Hope feat. Richard Bedford (Maor Levi Extended Mix)
* Giuseppe Ottaviani, April...2022-10-091h 42
Every Dollar Counts with Josh & JayWe're Living A Country Song As Hank Williams Jr sang, "The interest is up, and the stock market's down.". In this Part 3 of a 3 part mini-series on current market conditions, Josh and Jay discuss the top of mind topic for most consumers right now, inflation. From home goods, construction materials, energy, groceries, transportation, fuel, gas, traveling, heck, even Chick-Fil-A, consumers are dealing with rising costs across a variety of goods and services. Some companies are combating that with what's called "shrink-flation" but even so, the inflation numbers being published are still at historic highs. The hosts discuss and explain how inflation is...2022-07-1422 min
Every Dollar Counts with Josh & JayBear vs Bull Markets There’s an old investing saying: “Fortunes are made in bear markets and collected in a bull market”. In this episode, Josh and Jay discuss the difference between bear markets and bull markets, and why that matters to investors. The guys also discuss the impact of emotion on the market, particularly in the short run, and why that could potentially work in the favor of investors that look at fundamentals. What role does your investing strategy play into how you feel about current stock market conditions? Tune into this episode, then jump back to Ep 55 where we discus...2022-06-2918 min
Every Dollar Counts with Josh & JayFear of Missing Out (FOMO) From “the next google” stocks, to penny stocks, dot.com stocks, meme stocks, or even crypto, there’s typically both social pressure applied to investors to not miss out on the next big thing, but also their own internal feelings of not wanting to “miss” out. This “Fear of Missing Out” or FOMO as it’s referred to, typically builds as a bull market is extended and certain investments possibly grow faster than their underlying value would dictate. In this episode, Josh and Jay discuss both fear of missing out, and discuss the difference between “gambling” versus utilizing a diversif...2022-06-2822 min
Sunset Sessions with Stoby & Sonia ScottKrafted Sonia Scott & Stoby 14th May 2022Track List
Leo Ryan - The Moon Falling (Original Mix)
Stoby & Sonia Scott - Don’t Wait For Me (Acin Remix)
Jay NU - Green Heaven (Original Mix)
The Police - Walking on the moon (Paride Saraceni’s Tribute)
Stoby & Sonia Scott - Zen (Original Mix)
Out of Mind - Another Day (Original Mix)
Stoby & Sonia Scott - Tatakoto (Original Mix)
Orkidea - Taka Tiki Tum (Original Mix)
Stan Kolev & Paul Thomas - Revelations (Original Mix)
Way Out West - Mindcircus (Danny Stubbs Rework)
Joe Smooth - Promised Land (Cosmic Gate’s No Gravity Remix)
ID - ID
Billie Eilish - Ever...2022-05-161h 29
Every Dollar Counts with Josh & JayHow To Pay For Long Term Care Josh and Jay discuss the different ways to pay for an extended healthcare event, or long-term care as it’s commonly referred to. Long-term care events can be one of the biggest destroyers of wealth that a family will encounter. How should you plan for an extended health care event? Should you put money in the bank? In a dedicated investment account? Or should you look at insurance products, and if so, what different types are available? All of these questions and more will be discussed in this episode! Want To Continue The Co...2022-04-0521 min
Every Dollar Counts with Josh & JayInterest Rates and Income Annuities Interest rates are rising, and there are certain plans for the Fed to continue to increase the Fed funds rate. For pre-retirees and retirees looking at the purchase of an income annuity to help fund their retirement, or those folks with a pension backed by an insurance company provided annuity, how does rising rates affect the payout of their annuity? In this episode, Josh and Jay discuss how a rising interest rate environment affects income annuities. The hosts also briefly run down the different types of fixed income annuities. For those of you in an annuity, or...2022-03-3116 min
Every Dollar Counts with Josh & JayWhat is Risk Tolerance? In this episode, Josh and Jay discuss a phrase many investors have heard but may not fully understand: risk tolerance. What is risk tolerance? Why does it matter when you’re setting up your investment accounts? How do you determine your risk tolerance? Josh and Jay quickly go thru his company Gulf Coast Financial Advisor’s risk tolerance questionnaire to give the listeners a feel for the types of questions that determines their risk score. For many investors, it’s all about the pillow test – can you sleep well at night after watching your investments change in value?2022-03-3125 min
Every Dollar Counts with Josh & JayWomen of Mobile Bay: Michelle Lee Melton, J.D. In this episode, Josh and Jay welcome Michelle Lee Melton, J.D., the Deputy Director of Real Estate Asset Management for the City of Mobile. Michelle discusses pursuing her law degree from the University of Denver, and her career path since graduating, including her current role at the City of Mobile. Tune in to learn more about Michelle’s experience with contract law, civic service, public/private partnerships, and real estate transactions. Michelle explains how her law degree is specialized with an emphasis on environmental and land use law, which ties into her passion for creating green op...2022-03-0922 min
Every Dollar Counts with Josh & JayHappy Mardi Gras Laissez les bons temps rouler! Josh and Jay take a break from finance and insurance to welcome everyone a very Happy Mardi Gras! In this episode, they discuss the when and how Mardi Gras originated in Mobile, AL (Surprise! Not New Orleans!). The hosts also describe the parades and balls, and how they relate to the Mardi Gras societies and organizations both in Mobile and over in Baldwin County, especially on the Eastern Shore. If you ever wondered what Mardi Gras was like in our part of the Gulf Coast, take a listen! ...2022-02-1719 min
Every Dollar Counts with Josh & JayPodcastable and Verbalicious - The EDC Podcast Recap! It’s a story about friendships and relationships and hopefully will bring a smile to your face. Josh and Jay discuss the journey of starting and building the Every Dollar Counts podcast, including the impact the show has had on Josh’s financial planning practice, Gulf Coast Financial Advisors, and the building of his brand. Tune into hear the story of how the podcast originated, plus, Josh and Jay spontaneously invent two news words: Podcastable and Verbalicious! Want To Continue The Conversation? You can reach out to Gulf Coast Financial Advisors to se...2021-12-1421 min
Every Dollar Counts with Josh & JayHow Covid Has Impacted Life Insurance - Update Josh and Jay discuss the broad impact that Covid-19 has had on life insurance, such as underwriting, the exam process, health ratings, everyday life and more. Want To Continue The Conversation? You can reach out to Gulf Coast Financial Advisors to set up a no-cost, no-obligation discussion about your particular needs by calling 251-327-2124, emailing jnull@gulfcoastfa.com, or setting an appointment on our website https://gulfcoastfa.com/. Independent and semi-independent agents and advisors can reach Jay Stubbs at http://jaystubbs.com/ ////// Dis...2021-12-1419 min
So Dramatic! with Megan Pustetto130 - Love Island's Mitch Hibberd Caught in ANOTHER Texting Scandal and Ciarran Stott Wreaks HAVOC on The Bachelorette Sweden!Jacinta 'Jay' Lal is starring on ANOTHER Bachelor series! Sophie Guidolin SPLITS from her on-again, off-again boyfriend Ryan! Jake Edwards' new girlfriend is related to ANOTHER Married at First Sight star! Bryce Ruthven has ALREADY lost his new job! MULTIPLE women claim to have been personally victimised by Bill Goldsmith! I'm a Celeb 2022 contestant REVEALED! (SPOILER ALERT) OG superspreader Ciarran Stott has caused absolute MAYHEM on The Bachelorette Sweden! The TikTok that has DIVIDED the Love Island cast! All the FALLOUT from the...2021-12-0536 min
Every Dollar Counts with Josh & JayWhich Type Of IRA Is Best For Me? Josh and Jay discuss the different types of Individual Retirement Accounts (IRAs) and how they fit into different situations. The guys discuss SEP IRAs, traditional (sometimes called rollover), Simple IRAs and Roth IRAs. Tune in to learn about how the contributions limits of each type of IRA, the size of your business and your individual needs help you determine which IRA is a good fit. Josh and Jay also compare and contrast IRA’s with group qualified plans, such as a 401(k) or a 403(b). Want To Know More About Josh and Jay?...2021-11-1927 min
London Live with Mike StubbsJay Goldberg of the Canadian Taxpayers Federation reacts to the province's fall economic statement - London Live with Mike Stubbs2021-11-1510 min
Every Dollar Counts with Josh & JayLife Insurance Retirement Planning (LIRP) Josh and Jay dive into Life Insurance Retirement Planning, commonly called LIRP. Living longer, having more years in retirement, potentially rising income taxes and uncertainty in the market are all common reasons that investors look for more tax-efficient and stable income sources in retirement. LIRP is one strategy that can potentially help you not outlive your money in retirement. Tune in to learn more! Want To Know More About Josh and Jay? You can reach out to Gulf Coast Financial Advisors to set up a no-cost, no-obligation discussion about your particular...2021-11-0815 min
Wealth In WavesBiz Owners: $2 Trillion in New Taxes is a BIG Number Josh and Will welcome special guest Jay Stubbs, the Director of the Gulf Coast for Concourse Financial Group and Josh’s co-host on the long-running Every Dollar Counts with Josh and Jay Podcast. Jay joins the guys to discuss the $2 trillion dollar tax increase plan that made it way through the House Ways and Means Committee recently and is currently debated in Congress, and how it potentially impacts business owners, self-employed people and investors. Want To Know More About Will and Josh?If you would like to continue the conversation with Josh and Wi...2021-10-1823 min
Every Dollar Counts with Josh & JayYear End Personal Financial Assessment Josh and Jay are joined by very special guest Will Steih, a licensed CPA, Managing Director for the Nashville Market for Prime Capital Investment Advisors and a team mate of Josh’s at Gulf Coast Financial Advisors. The guys discuss how to do a personal financial assessment, diving into items like taxes, income, qualified retirement plan contributions, risk management and whether it’s time to take chips off the table or not. Want To Know More About Josh and Jay? You can reach out to Gulf Coast Financial Advisors to set up a no...2021-10-1818 min
Every Dollar Counts with Josh & JayDisability Income And The Owner Operator In the episode, Josh and Jay discuss a topic that is vitality important to the risk management portion of a client’s financial plan: disability income protection. Tune in to learn about the differences in group versus individual policies, how coverage is priced, the difference between short-term disability and long-term disability, and some key components that everyone needs to know about their plan. Josh and Jay also discuss how someone qualifies for disability income protection and the difference between morbidity and mortality in underwriting. The guys also dive into how important disability income protection is for the ow...2021-08-2521 min
Every Dollar Counts with Josh & JayShould I Trust This Stock Market? In the episode, Josh and Jay discuss positive factors affecting the overall stock market valuation and some areas of concern. Tune is to learn more about how technology and unprecedented government spending is having an impact on the equities markets, balancing that with the growing concern of inflation and the Delta variant of Covid. Josh and Jay also discuss why investors in the “retirement red zone” with less than 5 years until retirement should pay particular attention to their risk tolerances and portfolio allocations. Lastly, Josh discusses why “quality” of investment choices matters and why you don’t want to mo...2021-08-2416 min
MILLWALL NOLUT INTERVIEWSMillwall Community Trust Special - Summer 2021The work of the Millwall Community Trust is wide and varied. In this programme we look at the Lions Food Hub with Kelly Webster; The Millwall Lionesses who have moved up a tier with captain Libby Stubbs; and the Millwall Romans season past and future with Manager Paul Loding, coach Jay Lemonius and second-team manager Andy Dolan.2021-07-1558 min
Every Dollar Counts with Josh & JayWho Needs Estate Planning? In the episode, Josh and Jay discuss Estate Planning and how it applies to a broader range of people than typically assumed. This episode discusses how anyone with assets technically has an estate, irrespective of age or asset value. An Estate Plan is used to manage assets in the event of a death or incapacitation, and can help clear up confusion and conflict with an inheritance. An Estate Plan has always been an important document, but recent legislative conversations around the Estate Tax Exception, estate tax rates, and the property being a “deemed” sale at death have rein...2021-07-0817 min
Every Dollar Counts with Josh & JayThe Tech We Use To Serve Our Clients In the episode, Josh and Jay discuss the technology platforms used by their respective firms Gulf Coast Financial Advisors and First Protective. While GCFA and First Protective are not affiliated companies, they both have experienced significant growth over the past few years, and both have leveraged technology and platforms to service their growing client base. Josh and Jay discuss not just using client facing tech for tech’s sake; the best platforms are easy to use and make both the advisor’s life and the client’s life easier. Tune in to learn how Josh, in his...2021-06-2222 min
The Hip Hop Cloverleaf Podcast"Graffiti Around the World” | S1 Ep. 20On this episode: EC and OH touch on the Graffiti element. Hip Hop culture has reached many different parts of the world; the boys take you on a journey to 7 different hotspots for Graffiti around the world, starting where Hip Hop began it's journey: New York. To cap off the episode, the boys interview artist, songwriter and producer, Nick Nittoli. He has co-written and produced for Snoop Dogg, French Montana, YG, Jessie J, Zendaya, Fabian Mazur + more! Tune in to hear about his come-up and get to know him. Hip Hop Leaf: G...2021-06-0251 min
The Hip Hop Cloverleaf Podcast"Are Mixtapes Dead?" | S1 Ep. 19There was a time when mixtapes were the wave. It was a way for artists to showcase their skills, bars and get to promote their upcoming albums. In a way, if you didn't drop mixtapes nobody was discovering you. The mixtape era was a staple in Hip Hop. Today, are artists still dropping mixtapes? Do they even exist anymore? Tune in for a hot topic between EC and OH. In addition, the boys talk about some of their favorite mixtapes of all time and take a look at some of the best mixtape runs. ...2021-05-2648 min