{"version":"1.0.0","segments":[{"speaker":"Unknown","startTime":7.17,"endTime":12.18,"body":"Welcome to The Real"},{"speaker":"Unknown","startTime":7.17,"endTime":12.18,"body":"advisor podcast, t r a p twerp"},{"speaker":"Unknown","startTime":12.57,"endTime":15.81,"body":"please follow us and join in the"},{"speaker":"Unknown","startTime":12.57,"endTime":15.81,"body":"conversation on Twitter at"},{"speaker":"Unknown","startTime":15.81,"endTime":19.53,"body":"advisor podcast where you can"},{"speaker":"Unknown","startTime":15.81,"endTime":19.53,"body":"suggest ideas and themes you'd"},{"speaker":"Unknown","startTime":19.53,"endTime":23.01,"body":"like the truck team to discuss."},{"speaker":"Unknown","startTime":19.53,"endTime":23.01,"body":"Also remember to like and"},{"speaker":"Unknown","startTime":23.01,"endTime":26.64,"body":"subscribe to our YouTube channel"},{"speaker":"Unknown","startTime":23.01,"endTime":26.64,"body":"and leave a six out of five star"},{"speaker":"Unknown","startTime":26.64,"endTime":30.6,"body":"review on iTunes. Doing all this"},{"speaker":"Unknown","startTime":26.64,"endTime":30.6,"body":"really really helps us which"},{"speaker":"Unknown","startTime":30.6,"endTime":34.08,"body":"means we can do more to help"},{"speaker":"Unknown","startTime":30.6,"endTime":34.08,"body":"you. Now let's head over to the"},{"speaker":"Unknown","startTime":34.08,"endTime":36.39,"body":"studio for the latest pilot"},{"speaker":"Unknown","startTime":34.08,"endTime":36.39,"body":"track"},{"speaker":"Nick Lincoln","startTime":42.36,"endTime":45.21,"body":"yes indeed, dear"},{"speaker":"Nick Lincoln","startTime":42.36,"endTime":45.21,"body":"Trappists Welcome back to what"},{"speaker":"Nick Lincoln","startTime":45.21,"endTime":48.63,"body":"many people are calling episode"},{"speaker":"Nick Lincoln","startTime":45.21,"endTime":48.63,"body":"25 of the real advisor podcast"},{"speaker":"Nick Lincoln","startTime":48.63,"endTime":51.99,"body":"te R A P trap. My name is"},{"speaker":"Nick Lincoln","startTime":48.63,"endTime":51.99,"body":"Lincoln Lincoln and joining me"},{"speaker":"Nick Lincoln","startTime":51.99,"endTime":55.8,"body":"as ever are the three other"},{"speaker":"Nick Lincoln","startTime":51.99,"endTime":55.8,"body":"Horsemen of the Apocalypse and"},{"speaker":"Nick Lincoln","startTime":55.8,"endTime":60.96,"body":"the heart Alan the storyteller"},{"speaker":"Nick Lincoln","startTime":55.8,"endTime":60.96,"body":"Smith and Carl the voice which"},{"speaker":"Nick Lincoln","startTime":60.96,"endTime":63.66,"body":"are now gentlemen We have a show"},{"speaker":"Nick Lincoln","startTime":60.96,"endTime":63.66,"body":"packed full of absolutely"},{"speaker":"Nick Lincoln","startTime":63.66,"endTime":66.81,"body":"nothing. So let's start"},{"speaker":"Nick Lincoln","startTime":63.66,"endTime":66.81,"body":"unpacking it straightaway with"},{"speaker":"Nick Lincoln","startTime":66.84,"endTime":70.35,"body":"some reviews from Mr. Hart red"},{"speaker":"Nick Lincoln","startTime":66.84,"endTime":70.35,"body":"in the high energy fashion out"},{"speaker":"Nick Lincoln","startTime":70.38,"endTime":72.87,"body":"and the I don't care how many"},{"speaker":"Nick Lincoln","startTime":70.38,"endTime":72.87,"body":"reviews there are 1234 I don't"},{"speaker":"Nick Lincoln","startTime":72.87,"endTime":73.68,"body":"look at it crackhead."},{"speaker":"Andy Hart","startTime":74.55,"endTime":77.52,"body":"Okay. So the first"},{"speaker":"Andy Hart","startTime":74.55,"endTime":77.52,"body":"review is from Darren Brinkley"},{"speaker":"Andy Hart","startTime":77.55,"endTime":81.3,"body":"entitled fantastic listen for"},{"speaker":"Andy Hart","startTime":77.55,"endTime":81.3,"body":"old and new five stars. A great"},{"speaker":"Andy Hart","startTime":81.3,"endTime":83.67,"body":"Listen, whether you've been in"},{"speaker":"Andy Hart","startTime":81.3,"endTime":83.67,"body":"the profession for a while or a"},{"speaker":"Andy Hart","startTime":83.67,"endTime":86.94,"body":"new to the scene, great banter"},{"speaker":"Andy Hart","startTime":83.67,"endTime":86.94,"body":"between the four horsemen who"},{"speaker":"Andy Hart","startTime":86.97,"endTime":89.52,"body":"all come at things from a"},{"speaker":"Andy Hart","startTime":86.97,"endTime":89.52,"body":"different perspective. And the"},{"speaker":"Andy Hart","startTime":89.52,"endTime":92.04,"body":"format makes you feel like"},{"speaker":"Andy Hart","startTime":89.52,"endTime":92.04,"body":"you're sat next to them in the"},{"speaker":"Andy Hart","startTime":92.04,"endTime":95.16,"body":"pub. There's no shortcut to"},{"speaker":"Andy Hart","startTime":92.04,"endTime":95.16,"body":"experience. However, if you"},{"speaker":"Andy Hart","startTime":95.16,"endTime":97.77,"body":"absorb the key messages in this"},{"speaker":"Andy Hart","startTime":95.16,"endTime":97.77,"body":"podcast, you'll learn a few"},{"speaker":"Andy Hart","startTime":97.77,"endTime":101.7,"body":"valuable lessons that take some"},{"speaker":"Andy Hart","startTime":97.77,"endTime":101.7,"body":"people their entire career. Next"},{"speaker":"Andy Hart","startTime":101.7,"endTime":108.12,"body":"review is a lots of letters so"},{"speaker":"Andy Hart","startTime":101.7,"endTime":108.12,"body":"5975 to whatever great insights"},{"speaker":"Andy Hart","startTime":108.12,"endTime":111.39,"body":"five stars. As someone who's"},{"speaker":"Andy Hart","startTime":108.12,"endTime":111.39,"body":"looking to get into real"},{"speaker":"Andy Hart","startTime":111.42,"endTime":114.39,"body":"financial advice, this podcast"},{"speaker":"Andy Hart","startTime":111.42,"endTime":114.39,"body":"is brilliant. It's great to get"},{"speaker":"Andy Hart","startTime":114.39,"endTime":117.27,"body":"so much information from people"},{"speaker":"Andy Hart","startTime":114.39,"endTime":117.27,"body":"who are experienced, it's"},{"speaker":"Andy Hart","startTime":117.27,"endTime":120.0,"body":"helping me loads I'm currently"},{"speaker":"Andy Hart","startTime":117.27,"endTime":120.0,"body":"undertaking the CIA deployment"},{"speaker":"Andy Hart","startTime":120.0,"endTime":122.76,"body":"and regulated financial"},{"speaker":"Andy Hart","startTime":120.0,"endTime":122.76,"body":"planning. I know the CIA SI is"},{"speaker":"Andy Hart","startTime":122.76,"endTime":125.97,"body":"another option and I was told"},{"speaker":"Andy Hart","startTime":122.76,"endTime":125.97,"body":"that the best is to get the CIA"},{"speaker":"Andy Hart","startTime":125.97,"endTime":128.91,"body":"qualifications. Thanks a lot. I"},{"speaker":"Andy Hart","startTime":125.97,"endTime":128.91,"body":"listened to every episode of"},{"speaker":"Andy Hart","startTime":128.91,"endTime":132.48,"body":"this podcast Maven money podcast"},{"speaker":"Andy Hart","startTime":128.91,"endTime":132.48,"body":"and meaningful money. Five stars"},{"speaker":"Andy Hart","startTime":132.51,"endTime":134.28,"body":"for sure. Back to you look."},{"speaker":"Nick Lincoln","startTime":136.74,"endTime":139.35,"body":"Fab Thank you dear"},{"speaker":"Nick Lincoln","startTime":136.74,"endTime":139.35,"body":"Trappist. For these reviews,"},{"speaker":"Nick Lincoln","startTime":139.35,"endTime":142.32,"body":"they just give us a shot in the"},{"speaker":"Nick Lincoln","startTime":139.35,"endTime":142.32,"body":"arm a little boost of energy to"},{"speaker":"Nick Lincoln","startTime":142.32,"endTime":145.26,"body":"keep on doing this. This"},{"speaker":"Nick Lincoln","startTime":142.32,"endTime":145.26,"body":"shambolic production. Okay,"},{"speaker":"Nick Lincoln","startTime":145.26,"endTime":148.32,"body":"let's, let's move on to some"},{"speaker":"Nick Lincoln","startTime":145.26,"endTime":148.32,"body":"topical tidbits. So we can put"},{"speaker":"Nick Lincoln","startTime":148.32,"endTime":150.9,"body":"us on timestamp on this episode"},{"speaker":"Nick Lincoln","startTime":148.32,"endTime":150.9,"body":"that even though we're in the"},{"speaker":"Nick Lincoln","startTime":150.9,"endTime":152.94,"body":"sort of summertime and this is"},{"speaker":"Nick Lincoln","startTime":150.9,"endTime":152.94,"body":"supposed to be this required"},{"speaker":"Nick Lincoln","startTime":152.94,"endTime":156.18,"body":"news, quite news time for"},{"speaker":"Nick Lincoln","startTime":152.94,"endTime":156.18,"body":"everybody. There's quite a lot"},{"speaker":"Nick Lincoln","startTime":156.18,"endTime":161.88,"body":"going on. And on this, this"},{"speaker":"Nick Lincoln","startTime":156.18,"endTime":161.88,"body":"year's Chancellor Jeremy Hunt,"},{"speaker":"Nick Lincoln","startTime":162.66,"endTime":166.77,"body":"has put some policy idea about"},{"speaker":"Nick Lincoln","startTime":162.66,"endTime":166.77,"body":"there to allow pension providers"},{"speaker":"Nick Lincoln","startTime":166.77,"endTime":171.66,"body":"to allocate 5% of their pension"},{"speaker":"Nick Lincoln","startTime":166.77,"endTime":171.66,"body":"funds. Our money dear TRAPPIST"},{"speaker":"Nick Lincoln","startTime":171.78,"endTime":175.26,"body":"our money to unlisted equities?"},{"speaker":"Nick Lincoln","startTime":171.78,"endTime":175.26,"body":"I don't know who put their good"},{"speaker":"Nick Lincoln","startTime":175.26,"endTime":178.86,"body":"show notes, whoever did I put,"},{"speaker":"Nick Lincoln","startTime":175.26,"endTime":178.86,"body":"please crack on a comment?"},{"speaker":"Alan Smith","startTime":180.48,"endTime":186.84,"body":"Yeah, I did. The ons"},{"speaker":"Alan Smith","startTime":180.48,"endTime":186.84,"body":"with in some measures, it's this"},{"speaker":"Alan Smith","startTime":186.84,"endTime":191.34,"body":"is all about sort of helping"},{"speaker":"Alan Smith","startTime":186.84,"endTime":191.34,"body":"startup, early stage companies"},{"speaker":"Alan Smith","startTime":191.73,"endTime":194.46,"body":"getting funding, which is all"},{"speaker":"Alan Smith","startTime":191.73,"endTime":194.46,"body":"well and good. And it's a kind"},{"speaker":"Alan Smith","startTime":194.46,"endTime":199.29,"body":"of noble idea. However, I don't"},{"speaker":"Alan Smith","startTime":194.46,"endTime":199.29,"body":"think it makes sense at all for"},{"speaker":"Alan Smith","startTime":199.29,"endTime":202.71,"body":"the average and what they're"},{"speaker":"Alan Smith","startTime":199.29,"endTime":202.71,"body":"talking about doing is I mean,"},{"speaker":"Alan Smith","startTime":202.74,"endTime":205.74,"body":"it is it's not mandatory,"},{"speaker":"Alan Smith","startTime":202.74,"endTime":205.74,"body":"apparently. But there's a strong"},{"speaker":"Alan Smith","startTime":205.74,"endTime":209.04,"body":"recommendation from governments"},{"speaker":"Alan Smith","startTime":205.74,"endTime":209.04,"body":"and from the treasury, that"},{"speaker":"Alan Smith","startTime":209.04,"endTime":212.37,"body":"large corporate pension funds"},{"speaker":"Alan Smith","startTime":209.04,"endTime":212.37,"body":"are sort of the ones that either"},{"speaker":"Alan Smith","startTime":212.37,"endTime":216.51,"body":"Mr. or Mrs. Miggins are members"},{"speaker":"Alan Smith","startTime":212.37,"endTime":216.51,"body":"of should be allocating all"},{"speaker":"Alan Smith","startTime":216.51,"endTime":219.66,"body":"their pension fund managers or"},{"speaker":"Alan Smith","startTime":216.51,"endTime":219.66,"body":"administrators should be"},{"speaker":"Alan Smith","startTime":219.66,"endTime":222.63,"body":"allocating a percentage of their"},{"speaker":"Alan Smith","startTime":219.66,"endTime":222.63,"body":"investments to this. There's"},{"speaker":"Alan Smith","startTime":222.63,"endTime":225.75,"body":"talking about UCC unlisted, but"},{"speaker":"Alan Smith","startTime":222.63,"endTime":225.75,"body":"they're talking about venture"},{"speaker":"Alan Smith","startTime":226.17,"endTime":229.2,"body":"venture funding, so very early"},{"speaker":"Alan Smith","startTime":226.17,"endTime":229.2,"body":"stage venture capital type"},{"speaker":"Alan Smith","startTime":229.2,"endTime":232.86,"body":"funds. And honestly, I think"},{"speaker":"Alan Smith","startTime":229.2,"endTime":232.86,"body":"this has got no place"},{"speaker":"Alan Smith","startTime":232.89,"endTime":237.84,"body":"whatsoever. In this type of"},{"speaker":"Alan Smith","startTime":232.89,"endTime":237.84,"body":"investment. Most of us, I think"},{"speaker":"Alan Smith","startTime":237.84,"endTime":241.08,"body":"all of us listen to the all in"},{"speaker":"Alan Smith","startTime":237.84,"endTime":241.08,"body":"podcast, which is obviously"},{"speaker":"Alan Smith","startTime":241.08,"endTime":244.56,"body":"fashioned after hours, and"},{"speaker":"Alan Smith","startTime":241.08,"endTime":244.56,"body":"they've largely coffee, trap"},{"speaker":"Alan Smith","startTime":244.56,"endTime":249.15,"body":"podcast. And if you listen to"},{"speaker":"Alan Smith","startTime":244.56,"endTime":249.15,"body":"them at any given time, so"},{"speaker":"Alan Smith","startTime":249.15,"endTime":252.12,"body":"they're all bunch of, you know,"},{"speaker":"Alan Smith","startTime":249.15,"endTime":252.12,"body":"early stage venture capitalists"},{"speaker":"Alan Smith","startTime":252.15,"endTime":255.9,"body":"experts, and they say how"},{"speaker":"Alan Smith","startTime":252.15,"endTime":255.9,"body":"difficult it is to make any sort"},{"speaker":"Alan Smith","startTime":255.9,"endTime":260.46,"body":"of meaningful return with"},{"speaker":"Alan Smith","startTime":255.9,"endTime":260.46,"body":"venture investing. And I just"},{"speaker":"Alan Smith","startTime":260.46,"endTime":265.44,"body":"think those people who are"},{"speaker":"Alan Smith","startTime":260.46,"endTime":265.44,"body":"active in it, the proper VC type"},{"speaker":"Alan Smith","startTime":265.44,"endTime":269.16,"body":"investors, they're going to just"},{"speaker":"Alan Smith","startTime":265.44,"endTime":269.16,"body":"take this, take them to the"},{"speaker":"Alan Smith","startTime":269.16,"endTime":271.62,"body":"cleaners because it's like lambs"},{"speaker":"Alan Smith","startTime":269.16,"endTime":271.62,"body":"to the slaughter of the likes of"},{"speaker":"Alan Smith","startTime":271.65,"endTime":275.76,"body":"Aviva or legal in general, some"},{"speaker":"Alan Smith","startTime":271.65,"endTime":275.76,"body":"big pension fund manager tries"},{"speaker":"Alan Smith","startTime":275.76,"endTime":279.57,"body":"to invest in some sort of, yeah,"},{"speaker":"Alan Smith","startTime":275.76,"endTime":279.57,"body":"rollout, some sort of early"},{"speaker":"Alan Smith","startTime":279.57,"endTime":283.59,"body":"stage tech startup. They're just"},{"speaker":"Alan Smith","startTime":279.57,"endTime":283.59,"body":"going to get all the all the"},{"speaker":"Alan Smith","startTime":283.59,"endTime":287.01,"body":"companies that the main VC the"},{"speaker":"Alan Smith","startTime":283.59,"endTime":287.01,"body":"act of people that really"},{"speaker":"Alan Smith","startTime":287.01,"endTime":292.56,"body":"experienced venture capital"},{"speaker":"Alan Smith","startTime":287.01,"endTime":292.56,"body":"managers have, have ignored or"},{"speaker":"Alan Smith","startTime":292.56,"endTime":296.7,"body":"put aside so overall, I'm not in"},{"speaker":"Alan Smith","startTime":292.56,"endTime":296.7,"body":"favor of I don't think it makes"},{"speaker":"Alan Smith","startTime":296.7,"endTime":299.49,"body":"sense at all. What do you guys"},{"speaker":"Alan Smith","startTime":296.7,"endTime":299.49,"body":"think?"},{"speaker":"Nick Lincoln","startTime":301.019,"endTime":304.439,"body":"I think it's, I"},{"speaker":"Nick Lincoln","startTime":301.019,"endTime":304.439,"body":"try and listen, I know, okay, I"},{"speaker":"Nick Lincoln","startTime":304.439,"endTime":306.419,"body":"think we're all cynical, maybe"},{"speaker":"Nick Lincoln","startTime":304.439,"endTime":306.419,"body":"I'm the most cynical of the four"},{"speaker":"Nick Lincoln","startTime":306.419,"endTime":308.549,"body":"of us. I do try and look at"},{"speaker":"Nick Lincoln","startTime":306.419,"endTime":308.549,"body":"these things and think what"},{"speaker":"Nick Lincoln","startTime":308.549,"endTime":310.859,"body":"what's the upside to I just"},{"speaker":"Nick Lincoln","startTime":308.549,"endTime":310.859,"body":"don't see any upside to it. I'm"},{"speaker":"Nick Lincoln","startTime":310.859,"endTime":312.929,"body":"naturally predisposed to think"},{"speaker":"Nick Lincoln","startTime":310.859,"endTime":312.929,"body":"if there's an idea from the"},{"speaker":"Nick Lincoln","startTime":312.929,"endTime":315.839,"body":"government, it's a bad idea,"},{"speaker":"Nick Lincoln","startTime":312.929,"endTime":315.839,"body":"until proven otherwise. And this"},{"speaker":"Nick Lincoln","startTime":315.839,"endTime":319.229,"body":"just reeks of being a bad idea."},{"speaker":"Nick Lincoln","startTime":315.839,"endTime":319.229,"body":"I don't know why they're trying"},{"speaker":"Nick Lincoln","startTime":319.229,"endTime":323.279,"body":"to do it. I know, the UK stock"},{"speaker":"Nick Lincoln","startTime":319.229,"endTime":323.279,"body":"market is moribund anyway, you"},{"speaker":"Nick Lincoln","startTime":323.279,"endTime":326.009,"body":"know, and companies are listing"},{"speaker":"Nick Lincoln","startTime":323.279,"endTime":326.009,"body":"and other exchanges around the"},{"speaker":"Nick Lincoln","startTime":326.009,"endTime":329.729,"body":"world, because because of the"},{"speaker":"Nick Lincoln","startTime":326.009,"endTime":329.729,"body":"regulation brought in by who"},{"speaker":"Nick Lincoln","startTime":329.729,"endTime":333.149,"body":"else previous governments, and"},{"speaker":"Nick Lincoln","startTime":329.729,"endTime":333.149,"body":"the way they say it's voluntary,"},{"speaker":"Nick Lincoln","startTime":333.149,"endTime":335.309,"body":"you know, I love that. It's"},{"speaker":"Nick Lincoln","startTime":333.149,"endTime":335.309,"body":"like, it's not really is it?"},{"speaker":"Nick Lincoln","startTime":335.309,"endTime":337.859,"body":"Because it'll be? Oh, that's a"},{"speaker":"Nick Lincoln","startTime":335.309,"endTime":337.859,"body":"nice little pension funds you've"},{"speaker":"Nick Lincoln","startTime":337.859,"endTime":340.199,"body":"got over there. It'd be a shame"},{"speaker":"Nick Lincoln","startTime":337.859,"endTime":340.199,"body":"if something happened to it,"},{"speaker":"Nick Lincoln","startTime":340.199,"endTime":341.699,"body":"wouldn't it? You know, it's"},{"speaker":"Nick Lincoln","startTime":340.199,"endTime":341.699,"body":"voluntary in the same way that"},{"speaker":"Nick Lincoln","startTime":341.699,"endTime":346.019,"body":"the mafia used to go and collect"},{"speaker":"Nick Lincoln","startTime":341.699,"endTime":346.019,"body":"rent. So I think it's just"},{"speaker":"Nick Lincoln","startTime":346.019,"endTime":351.059,"body":"another bad bad idea. Are we"},{"speaker":"Nick Lincoln","startTime":346.019,"endTime":351.059,"body":"done on that one? Well,"},{"speaker":"Carl Widger","startTime":351.06,"endTime":353.28,"body":"just from an Irish"},{"speaker":"Carl Widger","startTime":351.06,"endTime":353.28,"body":"point of view, it's interesting,"},{"speaker":"Carl Widger","startTime":353.28,"endTime":356.52,"body":"because we're kind of going into"},{"speaker":"Carl Widger","startTime":353.28,"endTime":356.52,"body":"total another opposite"},{"speaker":"Carl Widger","startTime":356.52,"endTime":360.57,"body":"direction, where we're being"},{"speaker":"Carl Widger","startTime":356.52,"endTime":360.57,"body":"bound by rules where"},{"speaker":"Carl Widger","startTime":360.57,"endTime":364.08,"body":"simplification of the"},{"speaker":"Carl Widger","startTime":360.57,"endTime":364.08,"body":"investments in pension funds is"},{"speaker":"Carl Widger","startTime":364.08,"endTime":367.92,"body":"kind of coming into into"},{"speaker":"Carl Widger","startTime":364.08,"endTime":367.92,"body":"regulation. So you can't have"},{"speaker":"Carl Widger","startTime":367.92,"endTime":371.43,"body":"more than 50% in one asset class"},{"speaker":"Carl Widger","startTime":367.92,"endTime":371.43,"body":"and that kind of stuff, which is"},{"speaker":"Carl Widger","startTime":371.76,"endTime":375.45,"body":"screwing a lot of people who've"},{"speaker":"Carl Widger","startTime":371.76,"endTime":375.45,"body":"got, you know, all pench all"},{"speaker":"Carl Widger","startTime":375.45,"endTime":378.06,"body":"property and their pension"},{"speaker":"Carl Widger","startTime":375.45,"endTime":378.06,"body":"funds. So they've there, they've"},{"speaker":"Carl Widger","startTime":378.06,"endTime":382.53,"body":"kind of got timelines now to fix"},{"speaker":"Carl Widger","startTime":378.06,"endTime":382.53,"body":"all of that. Yeah, I can't see"},{"speaker":"Carl Widger","startTime":382.53,"endTime":385.95,"body":"how this is a good idea at all."},{"speaker":"Carl Widger","startTime":382.53,"endTime":385.95,"body":"And watch this space to be a lot"},{"speaker":"Carl Widger","startTime":385.95,"endTime":389.28,"body":"of new venture capitalist funds,"},{"speaker":"Carl Widger","startTime":385.95,"endTime":389.28,"body":"I think, springing up in the UK"},{"speaker":"Carl Widger","startTime":389.28,"endTime":393.48,"body":"to try and take advantage of"},{"speaker":"Carl Widger","startTime":389.28,"endTime":393.48,"body":"this. And, and don't we just"},{"speaker":"Carl Widger","startTime":393.48,"endTime":395.73,"body":"know it, because we've often"},{"speaker":"Carl Widger","startTime":393.48,"endTime":395.73,"body":"spoken about it. There'll be a"},{"speaker":"Carl Widger","startTime":395.73,"endTime":397.92,"body":"lot of venture capitalist funds"},{"speaker":"Carl Widger","startTime":395.73,"endTime":397.92,"body":"springing up and it'll be"},{"speaker":"Carl Widger","startTime":397.92,"endTime":401.13,"body":"investing in nothing, but we'll"},{"speaker":"Carl Widger","startTime":397.92,"endTime":401.13,"body":"be making lots of fees on the"},{"speaker":"Carl Widger","startTime":401.13,"endTime":403.8,"body":"way so I think yeah, terrible,"},{"speaker":"Carl Widger","startTime":401.13,"endTime":403.8,"body":"terrible idea."},{"speaker":"Nick Lincoln","startTime":403.889,"endTime":405.509,"body":"Yeah, come back to"},{"speaker":"Nick Lincoln","startTime":403.889,"endTime":405.509,"body":"the coming on to a classic"},{"speaker":"Nick Lincoln","startTime":405.509,"endTime":409.979,"body":"example of a fund that"},{"speaker":"Nick Lincoln","startTime":405.509,"endTime":409.979,"body":"disappeared. Always returning"},{"speaker":"Nick Lincoln","startTime":409.979,"endTime":414.239,"body":"returns disappeared over time,"},{"speaker":"Nick Lincoln","startTime":409.979,"endTime":414.239,"body":"mainly due probably to fees, but"},{"speaker":"Nick Lincoln","startTime":414.239,"endTime":416.939,"body":"that'll be the last topical"},{"speaker":"Nick Lincoln","startTime":414.239,"endTime":416.939,"body":"tidbit. Okay. The Coots bank"},{"speaker":"Nick Lincoln","startTime":416.969,"endTime":420.569,"body":"saga. We just want a bunch of"},{"speaker":"Nick Lincoln","startTime":416.969,"endTime":420.569,"body":"Coots. Well, this is obviously"},{"speaker":"Nick Lincoln","startTime":420.569,"endTime":423.179,"body":"for the for British listeners,"},{"speaker":"Nick Lincoln","startTime":420.569,"endTime":423.179,"body":"Trappist. But I think also it's"},{"speaker":"Nick Lincoln","startTime":423.179,"endTime":426.149,"body":"made waves around the world"},{"speaker":"Nick Lincoln","startTime":423.179,"endTime":426.149,"body":"actually, certainly demolished"},{"speaker":"Nick Lincoln","startTime":426.149,"endTime":429.539,"body":"the reputation of this, this,"},{"speaker":"Nick Lincoln","startTime":426.149,"endTime":429.539,"body":"this highfalutin bank for the"},{"speaker":"Nick Lincoln","startTime":429.539,"endTime":432.389,"body":"rich and rich and wealthy, which"},{"speaker":"Nick Lincoln","startTime":429.539,"endTime":432.389,"body":"people like Paul Mason and Kevin"},{"speaker":"Nick Lincoln","startTime":432.389,"endTime":434.609,"body":"Maguire on the left have"},{"speaker":"Nick Lincoln","startTime":432.389,"endTime":434.609,"body":"suddenly leapt at this defense,"},{"speaker":"Nick Lincoln","startTime":434.609,"endTime":436.949,"body":"which has been a thing of"},{"speaker":"Nick Lincoln","startTime":434.609,"endTime":436.949,"body":"beauty. I guess, again, I don't"},{"speaker":"Nick Lincoln","startTime":436.949,"endTime":438.539,"body":"know who put this on. I'm"},{"speaker":"Nick Lincoln","startTime":436.949,"endTime":438.539,"body":"guessing it was you Alan."},{"speaker":"Alan Smith","startTime":444.6,"endTime":447.48,"body":"Yes, it was, I've"},{"speaker":"Alan Smith","startTime":444.6,"endTime":447.48,"body":"managed. I've managed to unmute"},{"speaker":"Alan Smith","startTime":447.48,"endTime":447.96,"body":"myself."},{"speaker":"Nick Lincoln","startTime":448.62,"endTime":450.84,"body":"Yeah. You're"},{"speaker":"Nick Lincoln","startTime":448.62,"endTime":450.84,"body":"having a tech morning for the"},{"speaker":"Nick Lincoln","startTime":450.84,"endTime":451.71,"body":"ages. Aren't you? My friend?"},{"speaker":"Alan Smith","startTime":452.13,"endTime":454.83,"body":"I am a bit a bit"},{"speaker":"Alan Smith","startTime":452.13,"endTime":454.83,"body":"away from laptops for a few"},{"speaker":"Alan Smith","startTime":454.83,"endTime":459.18,"body":"weeks. So which we'll talk about"},{"speaker":"Alan Smith","startTime":454.83,"endTime":459.18,"body":"later. Yeah, I mean, I was just"},{"speaker":"Alan Smith","startTime":459.18,"endTime":462.33,"body":"interested sort of the views"},{"speaker":"Alan Smith","startTime":459.18,"endTime":462.33,"body":"from the panel. Really, I mean,"},{"speaker":"Alan Smith","startTime":462.33,"endTime":464.52,"body":"I just found I found the whole"},{"speaker":"Alan Smith","startTime":462.33,"endTime":464.52,"body":"thing kind of fascinating,"},{"speaker":"Alan Smith","startTime":464.52,"endTime":467.13,"body":"interesting. And yes, everyone"},{"speaker":"Alan Smith","startTime":464.52,"endTime":467.13,"body":"seems to politicize it,"},{"speaker":"Alan Smith","startTime":467.13,"endTime":470.55,"body":"depending on what your outlook"},{"speaker":"Alan Smith","startTime":467.13,"endTime":470.55,"body":"is. But nevertheless, I mean,"},{"speaker":"Alan Smith","startTime":470.91,"endTime":473.91,"body":"there's so many different layers"},{"speaker":"Alan Smith","startTime":470.91,"endTime":473.91,"body":"and levels here. If nothing"},{"speaker":"Alan Smith","startTime":473.91,"endTime":477.87,"body":"else, this is a this is a so"},{"speaker":"Alan Smith","startTime":473.91,"endTime":477.87,"body":"called Private Bank, who as far"},{"speaker":"Alan Smith","startTime":477.87,"endTime":481.59,"body":"as has been alleged, I think"},{"speaker":"Alan Smith","startTime":477.87,"endTime":481.59,"body":"it's She's admitted it the CEOs"},{"speaker":"Alan Smith","startTime":481.62,"endTime":486.27,"body":"have said, well, the of the"},{"speaker":"Alan Smith","startTime":481.62,"endTime":486.27,"body":"whole group. You leaked,"},{"speaker":"Alan Smith","startTime":486.3,"endTime":489.6,"body":"disclose certainly your private"},{"speaker":"Alan Smith","startTime":486.3,"endTime":489.6,"body":"information about the"},{"speaker":"Nick Lincoln","startTime":490.98,"endTime":493.05,"body":"details to a"},{"speaker":"Nick Lincoln","startTime":490.98,"endTime":493.05,"body":"journalist. Yeah, it's actually"},{"speaker":"Nick Lincoln","startTime":494.49,"endTime":498.51,"body":"probably if that's true, that's"},{"speaker":"Nick Lincoln","startTime":494.49,"endTime":498.51,"body":"a criminal act. Defense."},{"speaker":"Andy Hart","startTime":498.84,"endTime":503.49,"body":"I mean, yeah, yeah."},{"speaker":"Andy Hart","startTime":498.84,"endTime":503.49,"body":"But we're not even anywhere near"},{"speaker":"Andy Hart","startTime":503.49,"endTime":505.29,"body":"the position she is. It's"},{"speaker":"Andy Hart","startTime":503.49,"endTime":505.29,"body":"ridiculous."},{"speaker":"Nick Lincoln","startTime":507.18,"endTime":511.59,"body":"I think about the"},{"speaker":"Nick Lincoln","startTime":507.18,"endTime":511.59,"body":"law. Gina Miller, who's this?"},{"speaker":"Nick Lincoln","startTime":512.55,"endTime":517.23,"body":"Yeah, do it. Let me talk. I'll"},{"speaker":"Nick Lincoln","startTime":512.55,"endTime":517.23,"body":"get them out. Gina Miller, is"},{"speaker":"Nick Lincoln","startTime":517.23,"endTime":521.94,"body":"hardcore Remainer. She has also"},{"speaker":"Nick Lincoln","startTime":517.23,"endTime":521.94,"body":"been banned by her bank. I think"},{"speaker":"Nick Lincoln","startTime":521.94,"endTime":524.82,"body":"it was one of the starling"},{"speaker":"Nick Lincoln","startTime":521.94,"endTime":524.82,"body":"Metro. I don't know. Monzo."},{"speaker":"Alan Smith","startTime":526.08,"endTime":529.11,"body":"But hang on. That's"},{"speaker":"Alan Smith","startTime":526.08,"endTime":529.11,"body":"this is all sort of, as usual"},{"speaker":"Alan Smith","startTime":529.11,"endTime":533.4,"body":"getting exaggerated. As far as"},{"speaker":"Alan Smith","startTime":529.11,"endTime":533.4,"body":"I've read it. They don't do bank"},{"speaker":"Alan Smith","startTime":533.4,"endTime":534.87,"body":"accounts for political parties."},{"speaker":"Nick Lincoln","startTime":536.67,"endTime":538.35,"body":"Why not? And how"},{"speaker":"Nick Lincoln","startTime":536.67,"endTime":538.35,"body":"on earth are political parties"},{"speaker":"Nick Lincoln","startTime":538.35,"endTime":540.57,"body":"supposed to start up if you"},{"speaker":"Nick Lincoln","startTime":538.35,"endTime":540.57,"body":"can't get banking, you've got"},{"speaker":"Nick Lincoln","startTime":540.57,"endTime":543.33,"body":"three, you've got a uni party in"},{"speaker":"Nick Lincoln","startTime":540.57,"endTime":543.33,"body":"this country. If you can't set"},{"speaker":"Nick Lincoln","startTime":543.33,"endTime":545.64,"body":"up a bank account for any new"},{"speaker":"Nick Lincoln","startTime":543.33,"endTime":545.64,"body":"parties. You don't have any new"},{"speaker":"Nick Lincoln","startTime":545.64,"endTime":548.25,"body":"party. My point was going to be"},{"speaker":"Nick Lincoln","startTime":545.64,"endTime":548.25,"body":"Gina Miller is the other extreme"},{"speaker":"Nick Lincoln","startTime":548.25,"endTime":551.07,"body":"to me, in terms of Brexit and"},{"speaker":"Nick Lincoln","startTime":548.25,"endTime":551.07,"body":"European Union, and I think"},{"speaker":"Nick Lincoln","startTime":551.07,"endTime":554.7,"body":"what's happened to her is"},{"speaker":"Nick Lincoln","startTime":551.07,"endTime":554.7,"body":"appalling. So I think this is a"},{"speaker":"Nick Lincoln","startTime":554.7,"endTime":557.04,"body":"really dangerous precedent. By"},{"speaker":"Nick Lincoln","startTime":554.7,"endTime":557.04,"body":"the way gentleman has met and"},{"speaker":"Nick Lincoln","startTime":557.07,"endTime":559.95,"body":"married to Alan Miller, the"},{"speaker":"Nick Lincoln","startTime":557.07,"endTime":559.95,"body":"former Jupiter active fund"},{"speaker":"Nick Lincoln","startTime":559.95,"endTime":562.92,"body":"manager who made a small fortune"},{"speaker":"Nick Lincoln","startTime":559.95,"endTime":562.92,"body":"and now evangelizers for passive"},{"speaker":"Nick Lincoln","startTime":562.92,"endTime":565.41,"body":"investing, but doesn't seem too"},{"speaker":"Nick Lincoln","startTime":562.92,"endTime":565.41,"body":"keen of giving his money away,"},{"speaker":"Nick Lincoln","startTime":565.41,"endTime":567.42,"body":"and especially the kids who got"},{"speaker":"Nick Lincoln","startTime":565.41,"endTime":567.42,"body":"through private school. Now the"},{"speaker":"Nick Lincoln","startTime":567.42,"endTime":571.86,"body":"story, I think it's outrageous."},{"speaker":"Nick Lincoln","startTime":567.42,"endTime":571.86,"body":"I think it's appalling. And I"},{"speaker":"Nick Lincoln","startTime":572.1,"endTime":574.14,"body":"people say, Oh, the banks are"},{"speaker":"Nick Lincoln","startTime":572.1,"endTime":574.14,"body":"private, they can do what they"},{"speaker":"Nick Lincoln","startTime":574.14,"endTime":577.47,"body":"like. We're not really we own"},{"speaker":"Nick Lincoln","startTime":574.14,"endTime":577.47,"body":"40% of NatWest, but that's not"},{"speaker":"Nick Lincoln","startTime":577.47,"endTime":581.01,"body":"the point banking, banking if"},{"speaker":"Nick Lincoln","startTime":577.47,"endTime":581.01,"body":"you if your bank account is shut"},{"speaker":"Nick Lincoln","startTime":581.58,"endTime":584.97,"body":"your business bank shut it must"},{"speaker":"Nick Lincoln","startTime":581.58,"endTime":584.97,"body":"be an absolute nightmare and you"},{"speaker":"Nick Lincoln","startTime":584.97,"endTime":590.88,"body":"cannot function without it. And"},{"speaker":"Nick Lincoln","startTime":584.97,"endTime":590.88,"body":"you know, I just think my"},{"speaker":"Nick Lincoln","startTime":590.88,"endTime":593.13,"body":"broader point is I don't care if"},{"speaker":"Nick Lincoln","startTime":590.88,"endTime":593.13,"body":"you're on the left or the right"},{"speaker":"Nick Lincoln","startTime":593.16,"endTime":596.25,"body":"isn't is is really, really"},{"speaker":"Nick Lincoln","startTime":593.16,"endTime":596.25,"body":"wrong. And it just makes me"},{"speaker":"Nick Lincoln","startTime":596.25,"endTime":599.43,"body":"laugh these these hardcore"},{"speaker":"Nick Lincoln","startTime":596.25,"endTime":599.43,"body":"lefties. Oh, this is okay"},{"speaker":"Nick Lincoln","startTime":599.43,"endTime":602.1,"body":"because it was nice. Faraj, if I"},{"speaker":"Nick Lincoln","startTime":599.43,"endTime":602.1,"body":"had been Jeremy Corbyn, that it"},{"speaker":"Nick Lincoln","startTime":602.1,"endTime":604.71,"body":"had his cat account closed, they"},{"speaker":"Nick Lincoln","startTime":602.1,"endTime":604.71,"body":"would be absolutely screaming."},{"speaker":"Nick Lincoln","startTime":604.71,"endTime":607.26,"body":"But so you've got to be, you've"},{"speaker":"Nick Lincoln","startTime":604.71,"endTime":607.26,"body":"got to have a, you know, it"},{"speaker":"Nick Lincoln","startTime":607.26,"endTime":609.87,"body":"might, you know, I'm very black"},{"speaker":"Nick Lincoln","startTime":607.26,"endTime":609.87,"body":"and white is wrong, regardless"},{"speaker":"Nick Lincoln","startTime":609.87,"endTime":611.85,"body":"of who they're doing it to,"},{"speaker":"Nick Lincoln","startTime":609.87,"endTime":611.85,"body":"unless they've done an egregious"},{"speaker":"Nick Lincoln","startTime":611.85,"endTime":618.66,"body":"criminal act. It's wrong. That's"},{"speaker":"Nick Lincoln","startTime":611.85,"endTime":618.66,"body":"me. That's me. Agreed. Okay. All"},{"speaker":"Nick Lincoln","startTime":618.66,"endTime":621.96,"body":"right, good. Oh, well, this one,"},{"speaker":"Nick Lincoln","startTime":618.66,"endTime":621.96,"body":"we can just let's just just have"},{"speaker":"Nick Lincoln","startTime":621.96,"endTime":625.2,"body":"a little celebration. Because"},{"speaker":"Nick Lincoln","startTime":621.96,"endTime":625.2,"body":"that great thing is going to"},{"speaker":"Nick Lincoln","startTime":625.2,"endTime":627.9,"body":"change the lives of all the"},{"speaker":"Nick Lincoln","startTime":625.2,"endTime":627.9,"body":"consumers in the UK, because"},{"speaker":"Nick Lincoln","startTime":627.9,"endTime":630.6,"body":"what they're screaming for is"},{"speaker":"Nick Lincoln","startTime":627.9,"endTime":630.6,"body":"yet more regulation. Consumer"},{"speaker":"Nick Lincoln","startTime":630.6,"endTime":633.87,"body":"duty is what have you today. So"},{"speaker":"Nick Lincoln","startTime":630.6,"endTime":633.87,"body":"a one day old? I think it"},{"speaker":"Nick Lincoln","startTime":633.87,"endTime":638.64,"body":"launched on 31st of July Happy,"},{"speaker":"Nick Lincoln","startTime":633.87,"endTime":638.64,"body":"Happy first day consumer duty I"},{"speaker":"Nick Lincoln","startTime":638.64,"endTime":640.71,"body":"don't really want to say any"},{"speaker":"Nick Lincoln","startTime":638.64,"endTime":640.71,"body":"more about it than that anybody"},{"speaker":"Nick Lincoln","startTime":640.71,"endTime":642.66,"body":"got any thoughts about doesn't"},{"speaker":"Nick Lincoln","startTime":640.71,"endTime":642.66,"body":"really apply too much to you"},{"speaker":"Nick Lincoln","startTime":642.66,"endTime":645.84,"body":"car. But what you know, what"},{"speaker":"Nick Lincoln","startTime":642.66,"endTime":645.84,"body":"happens here does does come to"},{"speaker":"Nick Lincoln","startTime":645.84,"endTime":650.04,"body":"you guys eventually. But it's"},{"speaker":"Nick Lincoln","startTime":645.84,"endTime":650.04,"body":"well,"},{"speaker":"Carl Widger","startTime":650.76,"endTime":653.64,"body":"like a pension"},{"speaker":"Carl Widger","startTime":650.76,"endTime":653.64,"body":"freedoms, we we started that and"},{"speaker":"Carl Widger","startTime":653.64,"endTime":656.28,"body":"then you guys fall on. So I"},{"speaker":"Carl Widger","startTime":653.64,"endTime":656.28,"body":"think it can go both ways. But"},{"speaker":"Carl Widger","startTime":656.28,"endTime":662.25,"body":"anyway, on the consumer duty, I"},{"speaker":"Carl Widger","startTime":656.28,"endTime":662.25,"body":"am looking out there. And then"},{"speaker":"Carl Widger","startTime":662.25,"endTime":665.25,"body":"also, they'll also see that I"},{"speaker":"Carl Widger","startTime":662.25,"endTime":665.25,"body":"was deeply uncomfortable with"},{"speaker":"Carl Widger","startTime":665.25,"endTime":671.34,"body":"the content of some of today's"},{"speaker":"Carl Widger","startTime":665.25,"endTime":671.34,"body":"always do the Irish versus UK"},{"speaker":"Carl Widger","startTime":671.37,"endTime":672.57,"body":"cultural differences."},{"speaker":"Carl Widger","startTime":682.71,"endTime":688.08,"body":"Anyway, as I was saying, Yeah, I"},{"speaker":"Carl Widger","startTime":682.71,"endTime":688.08,"body":"am looking on with interest on"},{"speaker":"Carl Widger","startTime":688.08,"endTime":692.04,"body":"this consumer duty thing. And"},{"speaker":"Carl Widger","startTime":688.08,"endTime":692.04,"body":"like a lot of the articles or"},{"speaker":"Carl Widger","startTime":692.22,"endTime":694.62,"body":"I'm reading about it are totally"},{"speaker":"Carl Widger","startTime":692.22,"endTime":694.62,"body":"conflicted. So some people are"},{"speaker":"Carl Widger","startTime":694.62,"endTime":697.56,"body":"saying, it'll have no effect on"},{"speaker":"Carl Widger","startTime":694.62,"endTime":697.56,"body":"fee. Some people are saying that"},{"speaker":"Carl Widger","startTime":697.56,"endTime":700.26,"body":"fees will go up, some people are"},{"speaker":"Carl Widger","startTime":697.56,"endTime":700.26,"body":"saying fees will go down. Some"},{"speaker":"Carl Widger","startTime":700.26,"endTime":702.24,"body":"people are saying it's a good"},{"speaker":"Carl Widger","startTime":700.26,"endTime":702.24,"body":"thing. Some people are saying"},{"speaker":"Carl Widger","startTime":702.24,"endTime":705.93,"body":"it's a bad thing. So I'm just"},{"speaker":"Carl Widger","startTime":702.24,"endTime":705.93,"body":"interested to see how the people"},{"speaker":"Carl Widger","startTime":705.93,"endTime":708.75,"body":"who are thinking this has no"},{"speaker":"Carl Widger","startTime":705.93,"endTime":708.75,"body":"effect on anything they're"},{"speaker":"Carl Widger","startTime":708.75,"endTime":712.8,"body":"doing, how that will play out"},{"speaker":"Carl Widger","startTime":708.75,"endTime":712.8,"body":"for them. So yeah, I am"},{"speaker":"Carl Widger","startTime":712.8,"endTime":713.34,"body":"interested in"},{"speaker":"Alan Smith","startTime":714.84,"endTime":719.31,"body":"trusting our friends"},{"speaker":"Alan Smith","startTime":714.84,"endTime":719.31,"body":"at St. James's place that we had"},{"speaker":"Alan Smith","startTime":719.31,"endTime":724.05,"body":"a whole podcast episode a few a"},{"speaker":"Alan Smith","startTime":719.31,"endTime":724.05,"body":"few episodes ago, shipped to me."},{"speaker":"Alan Smith","startTime":725.07,"endTime":726.15,"body":"On the dark side."},{"speaker":"Carl Widger","startTime":726.93,"endTime":728.07,"body":"Well, we've changed"},{"speaker":"Carl Widger","startTime":726.93,"endTime":728.07,"body":"our views."},{"speaker":"Alan Smith","startTime":729.51,"endTime":731.67,"body":"Now, we've always"},{"speaker":"Alan Smith","startTime":729.51,"endTime":731.67,"body":"been read fair and reasonable."},{"speaker":"Alan Smith","startTime":731.76,"endTime":735.42,"body":"But the share price fell, I"},{"speaker":"Alan Smith","startTime":731.76,"endTime":735.42,"body":"think about 17%. In a day, when"},{"speaker":"Alan Smith","startTime":735.42,"endTime":738.84,"body":"this came out the they they've"},{"speaker":"Alan Smith","startTime":735.42,"endTime":738.84,"body":"announced, I mean, it's really"},{"speaker":"Alan Smith","startTime":738.84,"endTime":741.75,"body":"some tweak to the charging,"},{"speaker":"Alan Smith","startTime":738.84,"endTime":741.75,"body":"they've kept their charges they"},{"speaker":"Alan Smith","startTime":741.75,"endTime":746.85,"body":"get I think they give a a 15"},{"speaker":"Alan Smith","startTime":741.75,"endTime":746.85,"body":"basis point deduction after 10"},{"speaker":"Alan Smith","startTime":746.85,"endTime":750.39,"body":"years. It's a sort of loyalty"},{"speaker":"Alan Smith","startTime":746.85,"endTime":750.39,"body":"bonus. So it's hardly sort of"},{"speaker":"Alan Smith","startTime":750.72,"endTime":754.38,"body":"life changing, I don't think but"},{"speaker":"Alan Smith","startTime":750.72,"endTime":754.38,"body":"it may be it's a sign of things"},{"speaker":"Alan Smith","startTime":754.38,"endTime":758.34,"body":"to come. Maybe they were always"},{"speaker":"Alan Smith","startTime":754.38,"endTime":758.34,"body":"the kind of outlier, that seems"},{"speaker":"Alan Smith","startTime":758.34,"endTime":761.07,"body":"to navigate the way through all"},{"speaker":"Alan Smith","startTime":758.34,"endTime":761.07,"body":"the sort of previous rules and"},{"speaker":"Alan Smith","startTime":761.07,"endTime":763.8,"body":"regulations and still a built in"},{"speaker":"Alan Smith","startTime":761.07,"endTime":763.8,"body":"exit charges and penalties. And"},{"speaker":"Alan Smith","startTime":763.8,"endTime":768.33,"body":"all the rest of us were told we"},{"speaker":"Alan Smith","startTime":763.8,"endTime":768.33,"body":"couldn't. So interesting. So"},{"speaker":"Alan Smith","startTime":768.84,"endTime":771.99,"body":"from what I can see quite a few"},{"speaker":"Alan Smith","startTime":768.84,"endTime":771.99,"body":"of the certainly the larger"},{"speaker":"Alan Smith","startTime":772.41,"endTime":775.92,"body":"advisory firms nationals are"},{"speaker":"Alan Smith","startTime":772.41,"endTime":775.92,"body":"sort of tweaking and changing,"},{"speaker":"Alan Smith","startTime":775.92,"endTime":779.34,"body":"and they're sort of looking at"},{"speaker":"Alan Smith","startTime":775.92,"endTime":779.34,"body":"their bands of fees and their"},{"speaker":"Alan Smith","startTime":779.34,"endTime":782.1,"body":"various sort of discount levels"},{"speaker":"Alan Smith","startTime":779.34,"endTime":782.1,"body":"and so on. So I think overall,"},{"speaker":"Alan Smith","startTime":782.1,"endTime":786.12,"body":"there's a there's a direction of"},{"speaker":"Alan Smith","startTime":782.1,"endTime":786.12,"body":"travel is kind of reducing fees"},{"speaker":"Alan Smith","startTime":786.15,"endTime":789.96,"body":"overall, particularly around the"},{"speaker":"Alan Smith","startTime":786.15,"endTime":789.96,"body":"the bigger firms, but early"},{"speaker":"Alan Smith","startTime":789.96,"endTime":790.35,"body":"days."},{"speaker":"Andy Hart","startTime":790.71,"endTime":792.63,"body":"Yeah, I think the"},{"speaker":"Andy Hart","startTime":790.71,"endTime":792.63,"body":"larger firms are gonna be more"},{"speaker":"Andy Hart","startTime":792.63,"endTime":796.38,"body":"impacted with this, that they"},{"speaker":"Andy Hart","startTime":792.63,"endTime":796.38,"body":"just don't have as tight grasp"},{"speaker":"Andy Hart","startTime":796.38,"endTime":799.77,"body":"of their numbers, their clients,"},{"speaker":"Andy Hart","startTime":796.38,"endTime":799.77,"body":"the service offering, you know,"},{"speaker":"Andy Hart","startTime":799.77,"endTime":803.79,"body":"systems processes repeatable."},{"speaker":"Andy Hart","startTime":799.77,"endTime":803.79,"body":"But yeah, it's a huge chunk of"},{"speaker":"Andy Hart","startTime":803.79,"endTime":806.76,"body":"regulation that's just landed,"},{"speaker":"Andy Hart","startTime":803.79,"endTime":806.76,"body":"and we've been preparing for it"},{"speaker":"Andy Hart","startTime":806.76,"endTime":807.39,"body":"for months."},{"speaker":"Alan Smith","startTime":808.5,"endTime":811.92,"body":"Well, it would be"},{"speaker":"Alan Smith","startTime":808.5,"endTime":811.92,"body":"unusual if I mean, God, if any"},{"speaker":"Alan Smith","startTime":811.95,"endTime":814.59,"body":"organization but certainly the"},{"speaker":"Alan Smith","startTime":811.95,"endTime":814.59,"body":"bigger ones, if they sort of"},{"speaker":"Alan Smith","startTime":814.59,"endTime":817.74,"body":"came through all this, and it's"},{"speaker":"Alan Smith","startTime":814.59,"endTime":817.74,"body":"been what has been a few years"},{"speaker":"Alan Smith","startTime":817.74,"endTime":820.77,"body":"in the in the making, and sort"},{"speaker":"Alan Smith","startTime":817.74,"endTime":820.77,"body":"of planning for huge amount of"},{"speaker":"Alan Smith","startTime":821.01,"endTime":824.79,"body":"even a firm like ours, and shout"},{"speaker":"Alan Smith","startTime":821.01,"endTime":824.79,"body":"out to my colleagues Shareen has"},{"speaker":"Alan Smith","startTime":824.79,"endTime":827.7,"body":"done a ton of work, or just"},{"speaker":"Alan Smith","startTime":824.79,"endTime":827.7,"body":"getting us ready for this and"},{"speaker":"Alan Smith","startTime":827.7,"endTime":831.63,"body":"signed it all off on you know,"},{"speaker":"Alan Smith","startTime":827.7,"endTime":831.63,"body":"in good time. But it did take us"},{"speaker":"Alan Smith","startTime":831.63,"endTime":833.61,"body":"so we're a small firm too,"},{"speaker":"Alan Smith","startTime":831.63,"endTime":833.61,"body":"because a lot of time, a lot of"},{"speaker":"Alan Smith","startTime":833.61,"endTime":836.4,"body":"resources, a lot of efforts to"},{"speaker":"Alan Smith","startTime":833.61,"endTime":836.4,"body":"the very, very large companies"},{"speaker":"Alan Smith","startTime":836.4,"endTime":839.82,"body":"must have spent, you know,"},{"speaker":"Alan Smith","startTime":836.4,"endTime":839.82,"body":"1000s 10s of 1000s million"},{"speaker":"Alan Smith","startTime":839.82,"endTime":843.42,"body":"millions, I don't know. So it'd"},{"speaker":"Alan Smith","startTime":839.82,"endTime":843.42,"body":"be odd if they got through the"},{"speaker":"Alan Smith","startTime":843.42,"endTime":846.63,"body":"other side of that and said,"},{"speaker":"Alan Smith","startTime":843.42,"endTime":846.63,"body":"Nope, we're all good, Pap,"},{"speaker":"Alan Smith","startTime":846.63,"endTime":849.06,"body":"you're perfectly fine, we'll"},{"speaker":"Alan Smith","startTime":846.63,"endTime":849.06,"body":"have a great value always have"},{"speaker":"Alan Smith","startTime":849.06,"endTime":851.97,"body":"been. So I think they're going"},{"speaker":"Alan Smith","startTime":849.06,"endTime":851.97,"body":"to they're going to have to show"},{"speaker":"Alan Smith","startTime":851.97,"endTime":854.94,"body":"some action has been taken as a"},{"speaker":"Alan Smith","startTime":851.97,"endTime":854.94,"body":"result of all the work that they"},{"speaker":"Alan Smith","startTime":854.94,"endTime":858.42,"body":"have. They've gone through but"},{"speaker":"Alan Smith","startTime":854.94,"endTime":858.42,"body":"time will tell but you know, as"},{"speaker":"Alan Smith","startTime":858.42,"endTime":860.7,"body":"you say, but one that we're a"},{"speaker":"Alan Smith","startTime":858.42,"endTime":860.7,"body":"couple of days into by the time"},{"speaker":"Alan Smith","startTime":860.7,"endTime":864.0,"body":"this podcast goes out. It'll"},{"speaker":"Alan Smith","startTime":860.7,"endTime":864.0,"body":"just be interesting to see you"},{"speaker":"Alan Smith","startTime":864.0,"endTime":866.16,"body":"mean things that we've talked"},{"speaker":"Alan Smith","startTime":864.0,"endTime":866.16,"body":"about in the past because it"},{"speaker":"Alan Smith","startTime":866.19,"endTime":868.92,"body":"covers a lot of other issues,"},{"speaker":"Alan Smith","startTime":866.19,"endTime":868.92,"body":"not just sort of standard fees,"},{"speaker":"Alan Smith","startTime":868.92,"endTime":871.77,"body":"but things like you know, the"},{"speaker":"Alan Smith","startTime":868.92,"endTime":871.77,"body":"skimming of cash accounts that"},{"speaker":"Alan Smith","startTime":871.77,"endTime":874.26,"body":"Nick's raised before there's"},{"speaker":"Alan Smith","startTime":871.77,"endTime":874.26,"body":"there's a number of other things"},{"speaker":"Alan Smith","startTime":874.26,"endTime":878.76,"body":"which are kind of somewhat sharp"},{"speaker":"Alan Smith","startTime":874.26,"endTime":878.76,"body":"practice you would argue which"},{"speaker":"Alan Smith","startTime":878.76,"endTime":881.82,"body":"must come under the sort of"},{"speaker":"Alan Smith","startTime":878.76,"endTime":881.82,"body":"overall kind of headlines of"},{"speaker":"Alan Smith","startTime":881.82,"endTime":885.51,"body":"consumer duty and value and"},{"speaker":"Alan Smith","startTime":881.82,"endTime":885.51,"body":"delivering good outcomes for"},{"speaker":"Alan Smith","startTime":885.51,"endTime":886.68,"body":"clients. So right"},{"speaker":"Andy Hart","startTime":886.71,"endTime":888.0,"body":"okay, yeah, time will"},{"speaker":"Andy Hart","startTime":886.71,"endTime":888.0,"body":"tell."},{"speaker":"Nick Lincoln","startTime":888.51,"endTime":890.49,"body":"All right, so,"},{"speaker":"Nick Lincoln","startTime":888.51,"endTime":890.49,"body":"thank you for that gentleman."},{"speaker":"Nick Lincoln","startTime":890.88,"endTime":893.7,"body":"Voice. The Limerick hurlers"},{"speaker":"Nick Lincoln","startTime":890.88,"endTime":893.7,"body":"which is not a drinking"},{"speaker":"Nick Lincoln","startTime":893.7,"endTime":896.28,"body":"competition. Is it as believe"},{"speaker":"Nick Lincoln","startTime":893.7,"endTime":896.28,"body":"it's some sporting thing talk to"},{"speaker":"Nick Lincoln","startTime":896.43,"endTime":897.6,"body":"us about that Limerick hurlers."},{"speaker":"Carl Widger","startTime":897.96,"endTime":900.12,"body":"Yeah, so this one"},{"speaker":"Carl Widger","startTime":897.96,"endTime":900.12,"body":"is a little bit difficult. For"},{"speaker":"Carl Widger","startTime":900.12,"endTime":903.99,"body":"me because if you know any of"},{"speaker":"Carl Widger","startTime":900.12,"endTime":903.99,"body":"your geography I'm originally a"},{"speaker":"Carl Widger","startTime":903.99,"endTime":908.4,"body":"Kilkenny man and Metis. Ireland"},{"speaker":"Carl Widger","startTime":903.99,"endTime":908.4,"body":"was born in Limerick, and the"},{"speaker":"Carl Widger","startTime":908.4,"endTime":911.28,"body":"limerick Carters have just won"},{"speaker":"Carl Widger","startTime":908.4,"endTime":911.28,"body":"the all Ireland hurling final"},{"speaker":"Carl Widger","startTime":911.28,"endTime":915.42,"body":"for the fourth year in a row."},{"speaker":"Carl Widger","startTime":911.28,"endTime":915.42,"body":"absolutely magnificent team. Now"},{"speaker":"Carl Widger","startTime":915.42,"endTime":919.98,"body":"for those of you in the UK and"},{"speaker":"Carl Widger","startTime":915.42,"endTime":919.98,"body":"further afield who don't know"},{"speaker":"Carl Widger","startTime":919.98,"endTime":924.75,"body":"anything about hurling, I have"},{"speaker":"Carl Widger","startTime":919.98,"endTime":924.75,"body":"included in the show notes, a"},{"speaker":"Carl Widger","startTime":924.75,"endTime":930.3,"body":"clips of the highlights of the"},{"speaker":"Carl Widger","startTime":924.75,"endTime":930.3,"body":"recent Final. Another UK"},{"speaker":"Carl Widger","startTime":930.57,"endTime":934.17,"body":"counterpart said to me when he"},{"speaker":"Carl Widger","startTime":930.57,"endTime":934.17,"body":"looked at it, Jesus Christ,"},{"speaker":"Carl Widger","startTime":934.2,"endTime":936.66,"body":"that's grown men with sticks"},{"speaker":"Carl Widger","startTime":934.2,"endTime":936.66,"body":"going around hitting each other."},{"speaker":"Carl Widger","startTime":936.84,"endTime":939.87,"body":"It's not quite like that. But it"},{"speaker":"Carl Widger","startTime":936.84,"endTime":939.87,"body":"is the fastest sport in the"},{"speaker":"Carl Widger","startTime":939.87,"endTime":943.32,"body":"world. It's absolutely amazing,"},{"speaker":"Carl Widger","startTime":939.87,"endTime":943.32,"body":"impactful skill. Anyway, this"},{"speaker":"Carl Widger","startTime":943.32,"endTime":946.83,"body":"Olympic team never go out pretty"},{"speaker":"Carl Widger","startTime":943.32,"endTime":946.83,"body":"much no success for ever in a"},{"speaker":"Carl Widger","startTime":946.83,"endTime":949.77,"body":"day. And the last four years,"},{"speaker":"Carl Widger","startTime":946.83,"endTime":949.77,"body":"they've won the bloody thing"},{"speaker":"Carl Widger","startTime":949.8,"endTime":953.4,"body":"four times in a row, which is"},{"speaker":"Carl Widger","startTime":949.8,"endTime":953.4,"body":"difficult for me as a company"},{"speaker":"Carl Widger","startTime":953.4,"endTime":956.61,"body":"man, because Kilkenny are the"},{"speaker":"Carl Widger","startTime":953.4,"endTime":956.61,"body":"former kingpins of the hurting"},{"speaker":"Carl Widger","startTime":956.61,"endTime":962.22,"body":"world. But what I wanted to just"},{"speaker":"Carl Widger","startTime":956.61,"endTime":962.22,"body":"kind of raise was what a couple"},{"speaker":"Carl Widger","startTime":962.22,"endTime":966.3,"body":"of things that I think we can"},{"speaker":"Carl Widger","startTime":962.22,"endTime":966.3,"body":"tenuously linked to the"},{"speaker":"Carl Widger","startTime":966.3,"endTime":969.72,"body":"financial planning and investing"},{"speaker":"Carl Widger","startTime":966.3,"endTime":969.72,"body":"world. Number one, this was a"},{"speaker":"Carl Widger","startTime":969.72,"endTime":973.95,"body":"very long term plan. So they set"},{"speaker":"Carl Widger","startTime":969.72,"endTime":973.95,"body":"up academies and that kind of"},{"speaker":"Carl Widger","startTime":973.95,"endTime":977.64,"body":"stuff 10 And more years ago, so"},{"speaker":"Carl Widger","startTime":973.95,"endTime":977.64,"body":"they they worked towards this,"},{"speaker":"Carl Widger","startTime":977.67,"endTime":980.79,"body":"they did not look for any quick"},{"speaker":"Carl Widger","startTime":977.67,"endTime":980.79,"body":"fixes. They work towards this"},{"speaker":"Carl Widger","startTime":980.79,"endTime":984.81,"body":"over a long period of time."},{"speaker":"Carl Widger","startTime":980.79,"endTime":984.81,"body":"Number two, the one word that"},{"speaker":"Carl Widger","startTime":984.81,"endTime":987.21,"body":"every single that all the"},{"speaker":"Carl Widger","startTime":984.81,"endTime":987.21,"body":"coaching staff and all the"},{"speaker":"Carl Widger","startTime":987.21,"endTime":990.9,"body":"players keep coming back to is"},{"speaker":"Carl Widger","startTime":987.21,"endTime":990.9,"body":"we stopped the process, we"},{"speaker":"Carl Widger","startTime":990.9,"endTime":993.3,"body":"stopped to the process. So they"},{"speaker":"Carl Widger","startTime":990.9,"endTime":993.3,"body":"didn't have it all their own way"},{"speaker":"Carl Widger","startTime":993.3,"endTime":995.46,"body":"this year. They had some"},{"speaker":"Carl Widger","startTime":993.3,"endTime":995.46,"body":"difficult moments, but they"},{"speaker":"Carl Widger","startTime":995.46,"endTime":998.85,"body":"pulled through for the stock to"},{"speaker":"Carl Widger","startTime":995.46,"endTime":998.85,"body":"the process or for us, they"},{"speaker":"Carl Widger","startTime":998.85,"endTime":1003.35,"body":"stuck to the plan. And then the"},{"speaker":"Carl Widger","startTime":998.85,"endTime":1003.35,"body":"last thing is by Christ did they"},{"speaker":"Carl Widger","startTime":1003.35,"endTime":1006.77,"body":"celebrate. So there's lots of"},{"speaker":"Carl Widger","startTime":1003.35,"endTime":1006.77,"body":"Twitter clips and YouTube videos"},{"speaker":"Carl Widger","startTime":1006.77,"endTime":1009.5,"body":"and all that kind of stuff going"},{"speaker":"Carl Widger","startTime":1006.77,"endTime":1009.5,"body":"around of them celebrating hard."},{"speaker":"Carl Widger","startTime":1009.5,"endTime":1012.92,"body":"So it was like these guys, you"},{"speaker":"Carl Widger","startTime":1009.5,"endTime":1012.92,"body":"know, talk about we've spoken"},{"speaker":"Carl Widger","startTime":1012.92,"endTime":1016.31,"body":"about monk mode, they do a monk"},{"speaker":"Carl Widger","startTime":1012.92,"endTime":1016.31,"body":"mode for kind of nine months of"},{"speaker":"Carl Widger","startTime":1016.31,"endTime":1019.64,"body":"the year to try and win this"},{"speaker":"Carl Widger","startTime":1016.31,"endTime":1019.64,"body":"thing. They're amateur athletes."},{"speaker":"Carl Widger","startTime":1020.09,"endTime":1024.14,"body":"And it just reminded me of, you"},{"speaker":"Carl Widger","startTime":1020.09,"endTime":1024.14,"body":"know, celebrating the moments"},{"speaker":"Carl Widger","startTime":1024.14,"endTime":1026.96,"body":"when they come along, because we"},{"speaker":"Carl Widger","startTime":1024.14,"endTime":1026.96,"body":"all have a habit of right what's"},{"speaker":"Carl Widger","startTime":1026.96,"endTime":1030.5,"body":"next, you know, and I'm reminded"},{"speaker":"Carl Widger","startTime":1026.96,"endTime":1030.5,"body":"of listening to a podcast, Jonny"},{"speaker":"Carl Widger","startTime":1030.5,"endTime":1034.43,"body":"Wilkinson, the the England out"},{"speaker":"Carl Widger","startTime":1030.5,"endTime":1034.43,"body":"half who kicked that drop goal"},{"speaker":"Carl Widger","startTime":1034.43,"endTime":1038.0,"body":"to win the World Cup that"},{"speaker":"Carl Widger","startTime":1034.43,"endTime":1038.0,"body":"reminded me of all time. Yeah."},{"speaker":"Carl Widger","startTime":1038.03,"endTime":1040.58,"body":"And he What did he say about"},{"speaker":"Carl Widger","startTime":1038.03,"endTime":1040.58,"body":"after winning, they won the"},{"speaker":"Carl Widger","startTime":1040.58,"endTime":1043.61,"body":"World Cup. He celebrated it for"},{"speaker":"Carl Widger","startTime":1040.58,"endTime":1043.61,"body":"about 30 seconds and then went"},{"speaker":"Carl Widger","startTime":1043.61,"endTime":1046.82,"body":"right what's next, you know, and"},{"speaker":"Carl Widger","startTime":1043.61,"endTime":1046.82,"body":"it's really important for us all"},{"speaker":"Carl Widger","startTime":1046.82,"endTime":1049.79,"body":"in life to just take that step"},{"speaker":"Carl Widger","startTime":1046.82,"endTime":1049.79,"body":"back. And in business, we've"},{"speaker":"Carl Widger","startTime":1049.79,"endTime":1053.21,"body":"just gone through a kind of"},{"speaker":"Carl Widger","startTime":1049.79,"endTime":1053.21,"body":"momentous barrier here in"},{"speaker":"Carl Widger","startTime":1053.21,"endTime":1056.57,"body":"Madison a milestone and it's"},{"speaker":"Carl Widger","startTime":1053.21,"endTime":1056.57,"body":"very important that we do take"},{"speaker":"Carl Widger","startTime":1056.57,"endTime":1059.18,"body":"the time to celebrate our"},{"speaker":"Carl Widger","startTime":1056.57,"endTime":1059.18,"body":"achievements and celebrate"},{"speaker":"Carl Widger","startTime":1059.18,"endTime":1061.88,"body":"together as well. So I just"},{"speaker":"Carl Widger","startTime":1059.18,"endTime":1061.88,"body":"thought I'd mention it but that"},{"speaker":"Carl Widger","startTime":1061.88,"endTime":1063.8,"body":"definitely check out the show"},{"speaker":"Carl Widger","startTime":1061.88,"endTime":1063.8,"body":"ketchup."},{"speaker":"Alan Smith","startTime":1064.73,"endTime":1067.07,"body":"That's, that is"},{"speaker":"Alan Smith","startTime":1064.73,"endTime":1067.07,"body":"interesting. And I like those"},{"speaker":"Alan Smith","startTime":1067.07,"endTime":1071.42,"body":"stories and the crossover"},{"speaker":"Alan Smith","startTime":1067.07,"endTime":1071.42,"body":"between sport and business. And"},{"speaker":"Alan Smith","startTime":1071.42,"endTime":1075.59,"body":"it reminds me of a close"},{"speaker":"Alan Smith","startTime":1071.42,"endTime":1075.59,"body":"personal friend of mine called"},{"speaker":"Alan Smith","startTime":1077.78,"endTime":1081.92,"body":"called Hugh Vivian. Have you"},{"speaker":"Alan Smith","startTime":1077.78,"endTime":1081.92,"body":"ever come across Hugh Vivian,"},{"speaker":"Alan Smith","startTime":1082.67,"endTime":1087.17,"body":"who Vivian who played for"},{"speaker":"Alan Smith","startTime":1082.67,"endTime":1087.17,"body":"England Saracens? 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Again, it was a"},{"speaker":"Alan Smith","startTime":1113.39,"endTime":1116.12,"body":"Saracens, were really mid table"},{"speaker":"Alan Smith","startTime":1113.39,"endTime":1116.12,"body":"club for a long time."},{"speaker":"Nick Lincoln","startTime":1118.94,"endTime":1121.07,"body":"came in and just"},{"speaker":"Nick Lincoln","startTime":1118.94,"endTime":1121.07,"body":"transformed."},{"speaker":"Carl Widger","startTime":1121.099,"endTime":1123.199,"body":"They brought in all"},{"speaker":"Carl Widger","startTime":1121.099,"endTime":1123.199,"body":"the brought in a lot of money"},{"speaker":"Carl Widger","startTime":1123.229,"endTime":1125.839,"body":"into Saracens and also a lot of"},{"speaker":"Carl Widger","startTime":1123.229,"endTime":1125.839,"body":"South Africans. The interesting"},{"speaker":"Carl Widger","startTime":1125.839,"endTime":1129.049,"body":"thing about hurling is you're"},{"speaker":"Carl Widger","startTime":1125.839,"endTime":1129.049,"body":"born where you're born, and you"},{"speaker":"Carl Widger","startTime":1129.049,"endTime":1132.379,"body":"play for that county. And that's"},{"speaker":"Carl Widger","startTime":1129.049,"endTime":1132.379,"body":"it. There are no transfers, so"},{"speaker":"Carl Widger","startTime":1132.379,"endTime":1135.799,"body":"and it's totally and utterly"},{"speaker":"Carl Widger","startTime":1132.379,"endTime":1135.799,"body":"amateur sport. So I hear you"},{"speaker":"Carl Widger","startTime":1135.799,"endTime":1140.089,"body":"about the Cyrus's thing but I"},{"speaker":"Carl Widger","startTime":1135.799,"endTime":1140.089,"body":"it's not comparable. From that"},{"speaker":"Carl Widger","startTime":1140.089,"endTime":1143.989,"body":"point of view you have what you"},{"speaker":"Carl Widger","startTime":1140.089,"endTime":1143.989,"body":"have in terms of resources. live"},{"speaker":"Carl Widger","startTime":1143.989,"endTime":1144.649,"body":"there, they don't."},{"speaker":"Nick Lincoln","startTime":1144.89,"endTime":1146.66,"body":"We did an episode"},{"speaker":"Nick Lincoln","startTime":1144.89,"endTime":1146.66,"body":"and we have a critical"},{"speaker":"Nick Lincoln","startTime":1146.66,"endTime":1149.21,"body":"nonessentials, which we drill on"},{"speaker":"Nick Lincoln","startTime":1146.66,"endTime":1149.21,"body":"the sporting books that have"},{"speaker":"Nick Lincoln","startTime":1149.21,"endTime":1153.11,"body":"been the rugby and the GB"},{"speaker":"Nick Lincoln","startTime":1149.21,"endTime":1153.11,"body":"cycling team has been a focus on"},{"speaker":"Nick Lincoln","startTime":1153.11,"endTime":1156.26,"body":"the small stuff and just nail it"},{"speaker":"Nick Lincoln","startTime":1153.11,"endTime":1156.26,"body":"and just nail it and repetition"},{"speaker":"Nick Lincoln","startTime":1156.26,"endTime":1160.28,"body":"and process. Very good. Capital"},{"speaker":"Nick Lincoln","startTime":1156.26,"endTime":1160.28,"body":"is recruiting I can only guess"},{"speaker":"Nick Lincoln","startTime":1160.28,"endTime":1161.99,"body":"that must be you, Mr. Smith, put"},{"speaker":"Nick Lincoln","startTime":1160.28,"endTime":1161.99,"body":"that in there."},{"speaker":"Alan Smith","startTime":1162.02,"endTime":1165.71,"body":"Just take the"},{"speaker":"Alan Smith","startTime":1162.02,"endTime":1165.71,"body":"opportunity as cold as everybody"},{"speaker":"Alan Smith","startTime":1165.71,"endTime":1169.55,"body":"week just to do a bit of self"},{"speaker":"Alan Smith","startTime":1165.71,"endTime":1169.55,"body":"promotion and advertising. We"},{"speaker":"Alan Smith","startTime":1169.58,"endTime":1174.5,"body":"are Yeah, we were looking for"},{"speaker":"Alan Smith","startTime":1169.58,"endTime":1174.5,"body":"support members. Members of our"},{"speaker":"Alan Smith","startTime":1174.5,"endTime":1177.44,"body":"support team are growing,"},{"speaker":"Alan Smith","startTime":1174.5,"endTime":1177.44,"body":"growing the company and if"},{"speaker":"Alan Smith","startTime":1177.44,"endTime":1179.72,"body":"anyone is out there, it's"},{"speaker":"Alan Smith","startTime":1177.44,"endTime":1179.72,"body":"probably a relatively early"},{"speaker":"Alan Smith","startTime":1179.72,"endTime":1183.47,"body":"stage career people looking to"},{"speaker":"Alan Smith","startTime":1179.72,"endTime":1183.47,"body":"get, you know, get into"},{"speaker":"Alan Smith","startTime":1183.47,"endTime":1186.74,"body":"financial planning in a kind of"},{"speaker":"Alan Smith","startTime":1183.47,"endTime":1186.74,"body":"administrative role heading"},{"speaker":"Alan Smith","startTime":1186.74,"endTime":1190.25,"body":"through to support paraplanning"},{"speaker":"Alan Smith","startTime":1186.74,"endTime":1190.25,"body":"and beyond. Or if anyone"},{"speaker":"Alan Smith","startTime":1190.25,"endTime":1193.58,"body":"listening to this knows of"},{"speaker":"Alan Smith","startTime":1190.25,"endTime":1193.58,"body":"anyone then do get in touch."},{"speaker":"Alan Smith","startTime":1193.61,"endTime":1195.53,"body":"Thank you very much. Excellent."},{"speaker":"Nick Lincoln","startTime":1196.19,"endTime":1198.2,"body":"Plug the plug"},{"speaker":"Nick Lincoln","startTime":1196.19,"endTime":1198.2,"body":"there,"},{"speaker":"Alan Smith","startTime":1198.53,"endTime":1202.28,"body":"just fire the"},{"speaker":"Alan Smith","startTime":1198.53,"endTime":1202.28,"body":"Whatever capital dot code at UK,"},{"speaker":"Alan Smith","startTime":1202.64,"endTime":1203.42,"body":"find me right?"},{"speaker":"Nick Lincoln","startTime":1203.45,"endTime":1207.14,"body":"Good enough. Okay,"},{"speaker":"Nick Lincoln","startTime":1203.45,"endTime":1207.14,"body":"so last Episode Episode 24 We"},{"speaker":"Nick Lincoln","startTime":1207.14,"endTime":1209.78,"body":"put out that we're going to do"},{"speaker":"Nick Lincoln","startTime":1207.14,"endTime":1209.78,"body":"will be killed each other by"},{"speaker":"Nick Lincoln","startTime":1209.78,"endTime":1213.29,"body":"then we're going to do a trap"},{"speaker":"Nick Lincoln","startTime":1209.78,"endTime":1213.29,"body":"live event next year ideally"},{"speaker":"Nick Lincoln","startTime":1213.29,"endTime":1217.7,"body":"tied in with our 50th episode,"},{"speaker":"Nick Lincoln","startTime":1213.29,"endTime":1217.7,"body":"which will be around 50 weeks"},{"speaker":"Nick Lincoln","startTime":1217.7,"endTime":1222.11,"body":"away. 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Again, if you're"},{"speaker":"Nick Lincoln","startTime":1227.78,"endTime":1231.02,"body":"interested, there will be a link"},{"speaker":"Nick Lincoln","startTime":1231.02,"endTime":1232.82,"body":"in the so called show notes. But"},{"speaker":"Nick Lincoln","startTime":1231.02,"endTime":1232.82,"body":"I think we've already got enough"},{"speaker":"Nick Lincoln","startTime":1232.82,"endTime":1234.89,"body":"of an indication that there's"},{"speaker":"Nick Lincoln","startTime":1232.82,"endTime":1234.89,"body":"there's a market out there to do"},{"speaker":"Nick Lincoln","startTime":1234.89,"endTime":1240.38,"body":"trap live. So watch this space"},{"speaker":"Nick Lincoln","startTime":1234.89,"endTime":1240.38,"body":"for that. Mr. Smith again, you"},{"speaker":"Nick Lincoln","startTime":1240.38,"endTime":1243.77,"body":"the next point, a complete"},{"speaker":"Nick Lincoln","startTime":1240.38,"endTime":1243.77,"body":"breakdown of s\u0026p 500 companies."},{"speaker":"Nick Lincoln","startTime":1244.01,"endTime":1244.34,"body":"Oh,"},{"speaker":"Alan Smith","startTime":1244.369,"endTime":1250.159,"body":"this was Andy, what"},{"speaker":"Alan Smith","startTime":1244.369,"endTime":1250.159,"body":"is what's the what's the company"},{"speaker":"Alan Smith","startTime":1250.159,"endTime":1254.959,"body":"that does these infographics?"},{"speaker":"Alan Smith","startTime":1250.159,"endTime":1254.959,"body":"Fantastic. Visual capitalist, I"},{"speaker":"Alan Smith","startTime":1254.959,"endTime":1255.769,"body":"just subscribe to"},{"speaker":"Andy Hart","startTime":1256.25,"endTime":1258.23,"body":"this anyway, they do"},{"speaker":"Andy Hart","startTime":1256.25,"endTime":1258.23,"body":"a daily email, they do a"},{"speaker":"Andy Hart","startTime":1258.23,"endTime":1261.32,"body":"roundup. So do subscribe to is"},{"speaker":"Andy Hart","startTime":1258.23,"endTime":1261.32,"body":"brilliant."},{"speaker":"Alan Smith","startTime":1261.95,"endTime":1265.16,"body":"Yeah, really good."},{"speaker":"Alan Smith","startTime":1261.95,"endTime":1265.16,"body":"And it just as the name"},{"speaker":"Alan Smith","startTime":1265.16,"endTime":1269.15,"body":"suggests, images and"},{"speaker":"Alan Smith","startTime":1265.16,"endTime":1269.15,"body":"visualizations of really sort of"},{"speaker":"Alan Smith","startTime":1269.15,"endTime":1272.48,"body":"interesting subjects. And the"},{"speaker":"Alan Smith","startTime":1269.15,"endTime":1272.48,"body":"one that they did last week was"},{"speaker":"Alan Smith","startTime":1272.48,"endTime":1277.52,"body":"just all the companies of the"},{"speaker":"Alan Smith","startTime":1272.48,"endTime":1277.52,"body":"s\u0026p relative to this relative to"},{"speaker":"Alan Smith","startTime":1277.52,"endTime":1281.78,"body":"the sector that they're in. So"},{"speaker":"Alan Smith","startTime":1277.52,"endTime":1281.78,"body":"whatever healthcare, technology,"},{"speaker":"Alan Smith","startTime":1281.81,"endTime":1285.56,"body":"financial transport, whatever,"},{"speaker":"Alan Smith","startTime":1281.81,"endTime":1285.56,"body":"financials and then relative to"},{"speaker":"Alan Smith","startTime":1285.56,"endTime":1289.37,"body":"their size, and you look through"},{"speaker":"Alan Smith","startTime":1285.56,"endTime":1289.37,"body":"it, and you just you kind of"},{"speaker":"Alan Smith","startTime":1289.37,"endTime":1292.37,"body":"everyone would look at that and"},{"speaker":"Alan Smith","startTime":1289.37,"endTime":1292.37,"body":"say, Well, I use a lot of those"},{"speaker":"Alan Smith","startTime":1292.37,"endTime":1297.2,"body":"companies almost every day. And"},{"speaker":"Alan Smith","startTime":1292.37,"endTime":1297.2,"body":"it's just, it's a really useful,"},{"speaker":"Alan Smith","startTime":1297.74,"endTime":1300.05,"body":"I posted something, I think on"},{"speaker":"Alan Smith","startTime":1297.74,"endTime":1300.05,"body":"LinkedIn about this and got a"},{"speaker":"Alan Smith","startTime":1300.05,"endTime":1303.32,"body":"good response. Because, you"},{"speaker":"Alan Smith","startTime":1300.05,"endTime":1303.32,"body":"know, there are some of the"},{"speaker":"Alan Smith","startTime":1304.1,"endTime":1306.71,"body":"financially What do you call"},{"speaker":"Alan Smith","startTime":1304.1,"endTime":1306.71,"body":"them Andy financial literate. So"},{"speaker":"Alan Smith","startTime":1306.71,"endTime":1308.45,"body":"there's a lot of people out"},{"speaker":"Alan Smith","startTime":1306.71,"endTime":1308.45,"body":"there without being rude to"},{"speaker":"Alan Smith","startTime":1308.45,"endTime":1310.67,"body":"them. Just think the stock"},{"speaker":"Alan Smith","startTime":1308.45,"endTime":1310.67,"body":"market that's risky, I don't"},{"speaker":"Alan Smith","startTime":1310.67,"endTime":1313.61,"body":"like investing is gambling, too"},{"speaker":"Alan Smith","startTime":1310.67,"endTime":1313.61,"body":"much gambling. And if you just"},{"speaker":"Alan Smith","startTime":1313.61,"endTime":1316.61,"body":"look at the companies, there's"},{"speaker":"Alan Smith","startTime":1313.61,"endTime":1316.61,"body":"just a beautiful visualization,"},{"speaker":"Alan Smith","startTime":1316.61,"endTime":1319.1,"body":"which is the link to in the show"},{"speaker":"Alan Smith","startTime":1316.61,"endTime":1319.1,"body":"notes. And people should use it"},{"speaker":"Alan Smith","startTime":1319.1,"endTime":1322.31,"body":"with advisors should use it with"},{"speaker":"Alan Smith","startTime":1319.1,"endTime":1322.31,"body":"clients, prospective clients,"},{"speaker":"Alan Smith","startTime":1322.31,"endTime":1325.7,"body":"saying this stock market is not"},{"speaker":"Alan Smith","startTime":1322.31,"endTime":1325.7,"body":"some kind of inanimate inanimate"},{"speaker":"Alan Smith","startTime":1325.7,"endTime":1328.7,"body":"thing. It's just a bunch of"},{"speaker":"Alan Smith","startTime":1325.7,"endTime":1328.7,"body":"really good, well run organized"},{"speaker":"Alan Smith","startTime":1328.7,"endTime":1331.28,"body":"companies and say, here's an"},{"speaker":"Alan Smith","startTime":1328.7,"endTime":1331.28,"body":"example. Here's what you have a"},{"speaker":"Alan Smith","startTime":1331.28,"endTime":1334.61,"body":"quick look through it. And you"},{"speaker":"Alan Smith","startTime":1331.28,"endTime":1334.61,"body":"will understand why it's good to"},{"speaker":"Alan Smith","startTime":1334.61,"endTime":1335.72,"body":"own a small plot of"},{"speaker":"Andy Hart","startTime":1335.72,"endTime":1338.09,"body":"all these people say"},{"speaker":"Andy Hart","startTime":1335.72,"endTime":1338.09,"body":"they don't understand the stock"},{"speaker":"Andy Hart","startTime":1338.09,"endTime":1339.71,"body":"market, it's like, well, you"},{"speaker":"Andy Hart","startTime":1338.09,"endTime":1339.71,"body":"don't understand what you're"},{"speaker":"Andy Hart","startTime":1339.71,"endTime":1343.1,"body":"buying, every single penny that"},{"speaker":"Andy Hart","startTime":1339.71,"endTime":1343.1,"body":"you spend is going to be"},{"speaker":"Andy Hart","startTime":1343.1,"endTime":1346.31,"body":"directed to a stock market the"},{"speaker":"Andy Hart","startTime":1343.1,"endTime":1346.31,"body":"company inadvertently. So if you"},{"speaker":"Andy Hart","startTime":1346.31,"endTime":1348.2,"body":"don't understand the stock"},{"speaker":"Andy Hart","startTime":1346.31,"endTime":1348.2,"body":"market, that means you don't"},{"speaker":"Andy Hart","startTime":1348.2,"endTime":1351.14,"body":"understand what you're spending,"},{"speaker":"Andy Hart","startTime":1348.2,"endTime":1351.14,"body":"which may be the case. But you"},{"speaker":"Andy Hart","startTime":1351.14,"endTime":1353.03,"body":"know, if you said you've got a"},{"speaker":"Andy Hart","startTime":1351.14,"endTime":1353.03,"body":"mortgage roughly how does it"},{"speaker":"Andy Hart","startTime":1353.03,"endTime":1354.89,"body":"work that you know, they give"},{"speaker":"Andy Hart","startTime":1353.03,"endTime":1354.89,"body":"you an answer, you know, you buy"},{"speaker":"Andy Hart","startTime":1354.89,"endTime":1357.23,"body":"consumer goods and washing"},{"speaker":"Andy Hart","startTime":1354.89,"endTime":1357.23,"body":"powder, you know, they've got an"},{"speaker":"Andy Hart","startTime":1357.23,"endTime":1359.87,"body":"answer. So they're happy to buy"},{"speaker":"Andy Hart","startTime":1357.23,"endTime":1359.87,"body":"the products of the companies"},{"speaker":"Andy Hart","startTime":1359.87,"endTime":1362.09,"body":"but not own the companies"},{"speaker":"Andy Hart","startTime":1359.87,"endTime":1362.09,"body":"themselves. It's just insane."},{"speaker":"Andy Hart","startTime":1362.09,"endTime":1364.4,"body":"But anyway, once I get that"},{"speaker":"Andy Hart","startTime":1362.09,"endTime":1364.4,"body":"realization that it is real"},{"speaker":"Andy Hart","startTime":1364.4,"endTime":1366.86,"body":"companies selling real things to"},{"speaker":"Andy Hart","startTime":1364.4,"endTime":1366.86,"body":"real people, it does change"},{"speaker":"Andy Hart","startTime":1366.86,"endTime":1369.11,"body":"their mind. So yeah, it's a it's"},{"speaker":"Andy Hart","startTime":1366.86,"endTime":1369.11,"body":"a journey that we all have to go"},{"speaker":"Andy Hart","startTime":1369.11,"endTime":1370.04,"body":"on. Like,"},{"speaker":"Nick Lincoln","startTime":1371.599,"endTime":1374.269,"body":"the one fund is"},{"speaker":"Nick Lincoln","startTime":1371.599,"endTime":1374.269,"body":"the shopping list Fund, which I"},{"speaker":"Nick Lincoln","startTime":1374.269,"endTime":1377.149,"body":"said before, which Allah, I'll"},{"speaker":"Nick Lincoln","startTime":1374.269,"endTime":1377.149,"body":"keep on hammering that nail and"},{"speaker":"Nick Lincoln","startTime":1377.149,"endTime":1380.359,"body":"to you three are broken. Okay,"},{"speaker":"Nick Lincoln","startTime":1377.149,"endTime":1380.359,"body":"we're done on that point. Mr."},{"speaker":"Nick Lincoln","startTime":1380.359,"endTime":1382.729,"body":"Smith, again, the challenges of"},{"speaker":"Nick Lincoln","startTime":1380.359,"endTime":1382.729,"body":"consistency and no link."},{"speaker":"Alan Smith","startTime":1383.569,"endTime":1387.499,"body":"Right? This, this is"},{"speaker":"Alan Smith","startTime":1383.569,"endTime":1387.499,"body":"just, this is just me thinking"},{"speaker":"Alan Smith","startTime":1387.499,"endTime":1394.159,"body":"aloud. And I was, I was just"},{"speaker":"Alan Smith","startTime":1387.499,"endTime":1394.159,"body":"reflecting, as you may know,"},{"speaker":"Alan Smith","startTime":1394.159,"endTime":1398.029,"body":"I've been, I've been sort of"},{"speaker":"Alan Smith","startTime":1394.159,"endTime":1398.029,"body":"away, I've been on holiday for"},{"speaker":"Alan Smith","startTime":1398.119,"endTime":1402.979,"body":"best part of the month, really."},{"speaker":"Alan Smith","startTime":1398.119,"endTime":1402.979,"body":"And I was thinking and have come"},{"speaker":"Alan Smith","startTime":1402.979,"endTime":1407.149,"body":"back and I'm back at work today."},{"speaker":"Alan Smith","startTime":1402.979,"endTime":1407.149,"body":"About half half a stone heavier"},{"speaker":"Alan Smith","startTime":1407.149,"endTime":1410.869,"body":"than I left. I've enjoyed the"},{"speaker":"Alan Smith","startTime":1407.149,"endTime":1410.869,"body":"good life. And what I was"},{"speaker":"Alan Smith","startTime":1410.869,"endTime":1413.809,"body":"thinking about is we talk in"},{"speaker":"Alan Smith","startTime":1410.869,"endTime":1413.809,"body":"this podcast quite regularly."},{"speaker":"Alan Smith","startTime":1413.809,"endTime":1417.259,"body":"And I think we can be sometimes"},{"speaker":"Alan Smith","startTime":1413.809,"endTime":1417.259,"body":"unfair with all kinds of"},{"speaker":"Alan Smith","startTime":1417.439,"endTime":1422.029,"body":"demonizing or people, you know,"},{"speaker":"Alan Smith","startTime":1417.439,"endTime":1422.029,"body":"stick to the plan by the great"},{"speaker":"Alan Smith","startTime":1422.029,"endTime":1424.939,"body":"companies of the world, never"},{"speaker":"Alan Smith","startTime":1422.029,"endTime":1424.939,"body":"sell them stick to long term,"},{"speaker":"Alan Smith","startTime":1424.939,"endTime":1427.819,"body":"don't worry about volatility,"},{"speaker":"Alan Smith","startTime":1424.939,"endTime":1427.819,"body":"play the long game, et cetera."},{"speaker":"Alan Smith","startTime":1428.539,"endTime":1432.349,"body":"And that's just information, but"},{"speaker":"Alan Smith","startTime":1428.539,"endTime":1432.349,"body":"it's hard to do. Because I can"},{"speaker":"Alan Smith","startTime":1432.349,"endTime":1435.319,"body":"tell you, I haven't really"},{"speaker":"Alan Smith","startTime":1432.349,"endTime":1435.319,"body":"stopped to my if you like"},{"speaker":"Alan Smith","startTime":1435.319,"endTime":1438.469,"body":"personal health plan over the"},{"speaker":"Alan Smith","startTime":1435.319,"endTime":1438.469,"body":"last month, what I should be"},{"speaker":"Alan Smith","startTime":1438.469,"endTime":1441.799,"body":"doing is exercising every day,"},{"speaker":"Alan Smith","startTime":1438.469,"endTime":1441.799,"body":"eating healthily, getting eight"},{"speaker":"Alan Smith","startTime":1441.799,"endTime":1444.049,"body":"hours sleep a night. And I can"},{"speaker":"Alan Smith","startTime":1441.799,"endTime":1444.049,"body":"tell you I haven't been doing"},{"speaker":"Alan Smith","startTime":1444.049,"endTime":1446.809,"body":"that for quite a few weeks. And"},{"speaker":"Alan Smith","startTime":1444.049,"endTime":1446.809,"body":"I was just, I was reflecting on"},{"speaker":"Alan Smith","startTime":1446.809,"endTime":1450.619,"body":"that this easy to see be"},{"speaker":"Alan Smith","startTime":1446.809,"endTime":1450.619,"body":"consistent in many things in"},{"speaker":"Alan Smith","startTime":1450.619,"endTime":1453.109,"body":"life. It's actually quite hard"},{"speaker":"Alan Smith","startTime":1450.619,"endTime":1453.109,"body":"to do or it's certainly hard for"},{"speaker":"Alan Smith","startTime":1453.109,"endTime":1457.459,"body":"me to do so maybe we should be a"},{"speaker":"Alan Smith","startTime":1453.109,"endTime":1457.459,"body":"bit kinder, more gentle to"},{"speaker":"Alan Smith","startTime":1457.459,"endTime":1461.449,"body":"people be the advisors be the"},{"speaker":"Alan Smith","startTime":1457.459,"endTime":1461.449,"body":"clients be the investors."},{"speaker":"Alan Smith","startTime":1462.769,"endTime":1466.099,"body":"Because it's not Yeah, there are"},{"speaker":"Alan Smith","startTime":1462.769,"endTime":1466.099,"body":"there are challenges in doing"},{"speaker":"Alan Smith","startTime":1466.099,"endTime":1470.179,"body":"that. If it was as as Derek"},{"speaker":"Alan Smith","startTime":1466.099,"endTime":1470.179,"body":"Severs if you followed Derek"},{"speaker":"Alan Smith","startTime":1470.179,"endTime":1475.669,"body":"Severs as he said, if if all you"},{"speaker":"Alan Smith","startTime":1470.179,"endTime":1475.669,"body":"needed was information, what if"},{"speaker":"Alan Smith","startTime":1475.669,"endTime":1479.299,"body":"more information helped, then"},{"speaker":"Alan Smith","startTime":1475.669,"endTime":1479.299,"body":"we'd all be billionaires with"},{"speaker":"Alan Smith","startTime":1479.299,"endTime":1483.589,"body":"six packs. So information is all"},{"speaker":"Alan Smith","startTime":1479.299,"endTime":1483.589,"body":"well and good, but you've got to"},{"speaker":"Alan Smith","startTime":1483.589,"endTime":1486.409,"body":"actually execute you've got to"},{"speaker":"Alan Smith","startTime":1483.589,"endTime":1486.409,"body":"be consistent while those people"},{"speaker":"Alan Smith","startTime":1486.409,"endTime":1486.829,"body":"are welcome"},{"speaker":"Andy Hart","startTime":1486.83,"endTime":1489.53,"body":"to trap confessions."},{"speaker":"Andy Hart","startTime":1486.83,"endTime":1489.53,"body":"ALAN SMITH first."},{"speaker":"Nick Lincoln","startTime":1489.589,"endTime":1494.629,"body":"Okay. All right,"},{"speaker":"Nick Lincoln","startTime":1489.589,"endTime":1494.629,"body":"go. Okay. Okay. Ashley's Update"},{"speaker":"Nick Lincoln","startTime":1494.629,"endTime":1496.909,"body":"Column now and you were very"},{"speaker":"Nick Lincoln","startTime":1494.629,"endTime":1496.909,"body":"very keen on giving Nash's"},{"speaker":"Nick Lincoln","startTime":1496.909,"endTime":1498.799,"body":"updates the first two tests"},{"speaker":"Nick Lincoln","startTime":1496.909,"endTime":1498.799,"body":"you've been quiet for the last"},{"speaker":"Nick Lincoln","startTime":1498.799,"endTime":1502.009,"body":"three tests any I'll just skip"},{"speaker":"Nick Lincoln","startTime":1498.799,"endTime":1502.009,"body":"over that."},{"speaker":"Carl Widger","startTime":1503.0,"endTime":1506.42,"body":"I just like to say"},{"speaker":"Carl Widger","startTime":1503.0,"endTime":1506.42,"body":"congratulations round Rounders"},{"speaker":"Carl Widger","startTime":1506.78,"endTime":1512.6,"body":"with tea. It was magnificent for"},{"speaker":"Carl Widger","startTime":1506.78,"endTime":1512.6,"body":"England to get a draw. And I"},{"speaker":"Carl Widger","startTime":1512.6,"endTime":1515.84,"body":"know nothing about this topic."},{"speaker":"Carl Widger","startTime":1512.6,"endTime":1515.84,"body":"So I should just probably just"},{"speaker":"Carl Widger","startTime":1515.84,"endTime":1516.38,"body":"we shouldn't leave"},{"speaker":"Nick Lincoln","startTime":1517.369,"endTime":1519.529,"body":"your previous"},{"speaker":"Nick Lincoln","startTime":1517.369,"endTime":1519.529,"body":"word. Your previous was evidence"},{"speaker":"Nick Lincoln","startTime":1519.529,"endTime":1523.579,"body":"that okay, well, we'll let that"},{"speaker":"Nick Lincoln","startTime":1519.529,"endTime":1523.579,"body":"lie for the moment. Boys, fund"},{"speaker":"Nick Lincoln","startTime":1523.579,"endTime":1527.629,"body":"manager BS. It's about it's all"},{"speaker":"Nick Lincoln","startTime":1523.579,"endTime":1527.629,"body":"about disintermediation of the"},{"speaker":"Nick Lincoln","startTime":1527.629,"endTime":1529.789,"body":"value chain. Oh, my God, there"},{"speaker":"Nick Lincoln","startTime":1527.629,"endTime":1529.789,"body":"has to be an active manager"},{"speaker":"Nick Lincoln","startTime":1529.789,"endTime":1530.779,"body":"saying that nobody speaks"},{"speaker":"Carl Widger","startTime":1531.049,"endTime":1534.769,"body":"real. So I put the"},{"speaker":"Carl Widger","startTime":1531.049,"endTime":1534.769,"body":"link to this article in the show"},{"speaker":"Carl Widger","startTime":1534.769,"endTime":1537.589,"body":"notes, right. So I'm not going"},{"speaker":"Carl Widger","startTime":1534.769,"endTime":1537.589,"body":"to actually call out because I'm"},{"speaker":"Carl Widger","startTime":1537.589,"endTime":1541.639,"body":"not Nick, I'm not going to call"},{"speaker":"Carl Widger","startTime":1537.589,"endTime":1541.639,"body":"the guy's name or fundraise. But"},{"speaker":"Carl Widger","startTime":1541.879,"endTime":1544.819,"body":"I just I read this. I don't know"},{"speaker":"Carl Widger","startTime":1541.879,"endTime":1544.819,"body":"why. I don't know why. Because"},{"speaker":"Carl Widger","startTime":1544.819,"endTime":1547.549,"body":"normally I just skip over these"},{"speaker":"Carl Widger","startTime":1544.819,"endTime":1547.549,"body":"things. But I happened to read"},{"speaker":"Carl Widger","startTime":1547.549,"endTime":1552.739,"body":"this particular article. And"},{"speaker":"Carl Widger","startTime":1547.549,"endTime":1552.739,"body":"there is so much language in it"},{"speaker":"Carl Widger","startTime":1552.739,"endTime":1556.429,"body":"that I just went, Oh my God."},{"speaker":"Carl Widger","startTime":1552.739,"endTime":1556.429,"body":"And, and we mentioned Terry"},{"speaker":"Carl Widger","startTime":1556.429,"endTime":1560.389,"body":"Smith's annual letter before."},{"speaker":"Carl Widger","startTime":1556.429,"endTime":1560.389,"body":"And I remember and Andy was"},{"speaker":"Carl Widger","startTime":1560.389,"endTime":1563.539,"body":"saying it was great. And I found"},{"speaker":"Carl Widger","startTime":1560.389,"endTime":1563.539,"body":"the first page and a half of"},{"speaker":"Carl Widger","startTime":1563.539,"endTime":1566.029,"body":"that really good. And then after"},{"speaker":"Carl Widger","startTime":1563.539,"endTime":1566.029,"body":"that, I felt it just went into"},{"speaker":"Carl Widger","startTime":1566.029,"endTime":1569.959,"body":"all this mumbo jumbo language,"},{"speaker":"Carl Widger","startTime":1566.029,"endTime":1569.959,"body":"right. So the line I took out at"},{"speaker":"Carl Widger","startTime":1569.959,"endTime":1573.529,"body":"this particular one was so this"},{"speaker":"Carl Widger","startTime":1569.959,"endTime":1573.529,"body":"for me sums up active fund"},{"speaker":"Carl Widger","startTime":1573.529,"endTime":1579.439,"body":"management. It's all about the"},{"speaker":"Carl Widger","startTime":1573.529,"endTime":1579.439,"body":"disintermediation of the value"},{"speaker":"Carl Widger","startTime":1579.439,"endTime":1585.679,"body":"chain. Now, I'm sorry, but what"},{"speaker":"Carl Widger","startTime":1579.439,"endTime":1585.679,"body":"the fuck does that mean? That is"},{"speaker":"Carl Widger","startTime":1585.679,"endTime":1589.819,"body":"like, this is like if people can"},{"speaker":"Carl Widger","startTime":1585.679,"endTime":1589.819,"body":"see through that crap, well,"},{"speaker":"Carl Widger","startTime":1589.819,"endTime":1595.459,"body":"then, you know, you just got a,"},{"speaker":"Carl Widger","startTime":1589.819,"endTime":1595.459,"body":"he should be saying, Hey, I'm an"},{"speaker":"Carl Widger","startTime":1595.459,"endTime":1599.839,"body":"active fund manager. We charge"},{"speaker":"Carl Widger","startTime":1595.459,"endTime":1599.839,"body":"more than the passive funds."},{"speaker":"Carl Widger","startTime":1599.959,"endTime":1604.099,"body":"There is absolutely no evidence"},{"speaker":"Carl Widger","startTime":1599.959,"endTime":1604.099,"body":"whatsoever that we can beat the"},{"speaker":"Carl Widger","startTime":1604.099,"endTime":1607.129,"body":"market. We haven't done it"},{"speaker":"Carl Widger","startTime":1604.099,"endTime":1607.129,"body":"before. And we're not going to"},{"speaker":"Carl Widger","startTime":1607.129,"endTime":1611.479,"body":"do it again. But yes, we have a"},{"speaker":"Carl Widger","startTime":1607.129,"endTime":1611.479,"body":"line like that. And I'm sorry"},{"speaker":"Carl Widger","startTime":1611.479,"endTime":1615.619,"body":"for using that profanity. But"},{"speaker":"Carl Widger","startTime":1611.479,"endTime":1615.619,"body":"I'm, it just drives me"},{"speaker":"Carl Widger","startTime":1615.619,"endTime":1618.679,"body":"absolutely insane. When people"},{"speaker":"Carl Widger","startTime":1615.619,"endTime":1618.679,"body":"are up there talking this"},{"speaker":"Carl Widger","startTime":1618.739,"endTime":1623.179,"body":"absolute rubbish, it's in"},{"speaker":"Carl Widger","startTime":1618.739,"endTime":1623.179,"body":"Ireland. So yeah, I just wanted"},{"speaker":"Carl Widger","startTime":1623.179,"endTime":1624.109,"body":"to point that out. I don't"},{"speaker":"Andy Hart","startTime":1624.11,"endTime":1626.66,"body":"think he's going"},{"speaker":"Andy Hart","startTime":1624.11,"endTime":1626.66,"body":"anywhere. I mean, ever since"},{"speaker":"Andy Hart","startTime":1626.66,"endTime":1630.08,"body":"I've entered this mighty"},{"speaker":"Andy Hart","startTime":1626.66,"endTime":1630.08,"body":"profession, we've had this issue"},{"speaker":"Andy Hart","startTime":1630.23,"endTime":1632.99,"body":"and the overwhelming evidence"},{"speaker":"Andy Hart","startTime":1630.23,"endTime":1632.99,"body":"that it doesn't work because had"},{"speaker":"Andy Hart","startTime":1632.99,"endTime":1636.35,"body":"almost no impact on it. They"},{"speaker":"Andy Hart","startTime":1632.99,"endTime":1636.35,"body":"continue to grow. So yeah, I"},{"speaker":"Andy Hart","startTime":1636.35,"endTime":1638.45,"body":"don't think it's going anywhere"},{"speaker":"Andy Hart","startTime":1636.35,"endTime":1638.45,"body":"over the next few decades,"},{"speaker":"Andy Hart","startTime":1638.45,"endTime":1641.03,"body":"certainly within my career by"},{"speaker":"Andy Hart","startTime":1638.45,"endTime":1641.03,"body":"changing it, but I could be"},{"speaker":"Andy Hart","startTime":1641.03,"endTime":1641.33,"body":"wrong."},{"speaker":"Nick Lincoln","startTime":1674.58,"endTime":1678.3,"body":"Okay, Mr. Smith,"},{"speaker":"Nick Lincoln","startTime":1674.58,"endTime":1678.3,"body":"achieving long term financial"},{"speaker":"Nick Lincoln","startTime":1678.3,"endTime":1681.45,"body":"security is about investing"},{"speaker":"Nick Lincoln","startTime":1678.3,"endTime":1681.45,"body":"adventurously. That's, that's"},{"speaker":"Nick Lincoln","startTime":1681.45,"endTime":1682.23,"body":"the title"},{"speaker":"Alan Smith","startTime":1682.259,"endTime":1685.349,"body":"of an article. It's"},{"speaker":"Alan Smith","startTime":1682.259,"endTime":1685.349,"body":"just a quick one. This has"},{"speaker":"Alan Smith","startTime":1685.349,"endTime":1688.499,"body":"actually been out for a while."},{"speaker":"Alan Smith","startTime":1685.349,"endTime":1688.499,"body":"It's all a bit. I don't know if"},{"speaker":"Alan Smith","startTime":1688.499,"endTime":1692.459,"body":"you know, Charlie Ellis. I had"},{"speaker":"Alan Smith","startTime":1688.499,"endTime":1692.459,"body":"the pleasure of meeting him when"},{"speaker":"Alan Smith","startTime":1692.459,"endTime":1697.619,"body":"the US. Yeah, I think it's close"},{"speaker":"Alan Smith","startTime":1692.459,"endTime":1697.619,"body":"friend and God, another close,"},{"speaker":"Alan Smith","startTime":1697.619,"endTime":1698.039,"body":"personal"},{"speaker":"Andy Hart","startTime":1698.04,"endTime":1702.0,"body":"personal friend. You"},{"speaker":"Andy Hart","startTime":1698.04,"endTime":1702.0,"body":"bumped into a Vanguard seminar"},{"speaker":"Andy Hart","startTime":1702.0,"endTime":1706.1399999999999,"body":"symposium, did you correct them?"},{"speaker":"Andy Hart","startTime":1702.0,"endTime":1706.1399999999999,"body":"If you saw my book?"},{"speaker":"Alan Smith","startTime":1707.099,"endTime":1711.9289999999999,"body":"Yeah. No, he, he's"},{"speaker":"Alan Smith","startTime":1707.099,"endTime":1711.9289999999999,"body":"quite interesting in that, so he"},{"speaker":"Alan Smith","startTime":1711.9289999999999,"endTime":1715.109,"body":"talks about obviously, he like,"},{"speaker":"Alan Smith","startTime":1711.9289999999999,"endTime":1715.109,"body":"like we are, it's a big fan of"},{"speaker":"Alan Smith","startTime":1715.799,"endTime":1719.129,"body":"investing in the great companies"},{"speaker":"Alan Smith","startTime":1715.799,"endTime":1719.129,"body":"of the world. And he talks about"},{"speaker":"Alan Smith","startTime":1719.129,"endTime":1722.789,"body":"sort of traditional portfolio"},{"speaker":"Alan Smith","startTime":1719.129,"endTime":1722.789,"body":"beats or 6040, as, as being a"},{"speaker":"Alan Smith","startTime":1722.789,"endTime":1726.209,"body":"common, common way to hold"},{"speaker":"Alan Smith","startTime":1722.789,"endTime":1726.209,"body":"assets. And he and he's this"},{"speaker":"Alan Smith","startTime":1726.209,"endTime":1730.109,"body":"article that he's, he's written"},{"speaker":"Alan Smith","startTime":1726.209,"endTime":1730.109,"body":"recently, sort of says what"},{"speaker":"Alan Smith","startTime":1730.109,"endTime":1732.449,"body":"we're thinking of all that"},{"speaker":"Alan Smith","startTime":1730.109,"endTime":1732.449,"body":"wrongly, because we're ignoring"},{"speaker":"Alan Smith","startTime":1732.449,"endTime":1736.979,"body":"certain other factors, which are"},{"speaker":"Alan Smith","startTime":1732.449,"endTime":1736.979,"body":"kind of you like, sort of bond"},{"speaker":"Alan Smith","startTime":1736.979,"endTime":1741.299,"body":"like in our lives. So it talks"},{"speaker":"Alan Smith","startTime":1736.979,"endTime":1741.299,"body":"about human capital, which is on"},{"speaker":"Alan Smith","startTime":1741.329,"endTime":1744.899,"body":"you know, people don't sort of"},{"speaker":"Alan Smith","startTime":1741.329,"endTime":1744.899,"body":"factor that in. If you are, you"},{"speaker":"Alan Smith","startTime":1744.899,"endTime":1748.499,"body":"know, in working age, and"},{"speaker":"Alan Smith","startTime":1744.899,"endTime":1748.499,"body":"particularly if you're a bit"},{"speaker":"Alan Smith","startTime":1748.499,"endTime":1751.829,"body":"younger, the value of your human"},{"speaker":"Alan Smith","startTime":1748.499,"endTime":1751.829,"body":"capital is significant in terms"},{"speaker":"Alan Smith","startTime":1751.829,"endTime":1755.489,"body":"of your long term financial"},{"speaker":"Alan Smith","startTime":1751.829,"endTime":1755.489,"body":"security, and should be factored"},{"speaker":"Alan Smith","startTime":1755.489,"endTime":1761.579,"body":"in as a non as, as long as you"},{"speaker":"Alan Smith","startTime":1755.489,"endTime":1761.579,"body":"enjoy decent health, chances are"},{"speaker":"Alan Smith","startTime":1761.579,"endTime":1764.1889999999999,"body":"that you will continue in"},{"speaker":"Alan Smith","startTime":1761.579,"endTime":1764.1889999999999,"body":"gainful employment, and you'll"},{"speaker":"Alan Smith","startTime":1764.1889999999999,"endTime":1767.789,"body":"still generate revenue and"},{"speaker":"Alan Smith","startTime":1764.1889999999999,"endTime":1767.789,"body":"income. So that should be"},{"speaker":"Alan Smith","startTime":1767.789,"endTime":1772.139,"body":"factored in, he talks about the"},{"speaker":"Alan Smith","startTime":1767.789,"endTime":1772.139,"body":"cap capital value of your state"},{"speaker":"Alan Smith","startTime":1772.139,"endTime":1775.889,"body":"benefits like state pension,"},{"speaker":"Alan Smith","startTime":1772.139,"endTime":1775.889,"body":"that should be factored in, as"},{"speaker":"Alan Smith","startTime":1775.889,"endTime":1781.4089999999999,"body":"well. And he talks about things"},{"speaker":"Alan Smith","startTime":1775.889,"endTime":1781.4089999999999,"body":"like property, obviously, any"},{"speaker":"Alan Smith","startTime":1781.4089999999999,"endTime":1783.899,"body":"defined benefit pension schemes"},{"speaker":"Alan Smith","startTime":1781.4089999999999,"endTime":1783.899,"body":"that anyone's got, which are"},{"speaker":"Alan Smith","startTime":1783.899,"endTime":1787.079,"body":"pretty secure in terms of the"},{"speaker":"Alan Smith","startTime":1783.899,"endTime":1787.079,"body":"income generation and also"},{"speaker":"Alan Smith","startTime":1787.079,"endTime":1790.799,"body":"property assets. And he says,"},{"speaker":"Alan Smith","startTime":1787.079,"endTime":1790.799,"body":"for most people, when they look"},{"speaker":"Alan Smith","startTime":1790.799,"endTime":1795.779,"body":"at us owning a 6040 portfolio,"},{"speaker":"Alan Smith","startTime":1790.799,"endTime":1795.779,"body":"they're probably more like 4060"},{"speaker":"Alan Smith","startTime":1795.809,"endTime":1799.589,"body":"or even, you know, 2080 or"},{"speaker":"Alan Smith","startTime":1795.809,"endTime":1799.589,"body":"something in terms of their kind"},{"speaker":"Alan Smith","startTime":1799.589,"endTime":1803.969,"body":"of non equity assets. And we"},{"speaker":"Alan Smith","startTime":1799.589,"endTime":1803.969,"body":"should be looking at it in the"},{"speaker":"Alan Smith","startTime":1803.969,"endTime":1806.789,"body":"round in the in the hole as"},{"speaker":"Alan Smith","startTime":1803.969,"endTime":1806.789,"body":"opposed to just your kind of"},{"speaker":"Alan Smith","startTime":1807.029,"endTime":1809.819,"body":"liquid traditional kind of"},{"speaker":"Alan Smith","startTime":1807.029,"endTime":1809.819,"body":"retail investment fund."},{"speaker":"Alan Smith","startTime":1810.269,"endTime":1812.879,"body":"holdings. Just thought it was a"},{"speaker":"Alan Smith","startTime":1810.269,"endTime":1812.879,"body":"well thought through I'll put a"},{"speaker":"Alan Smith","startTime":1813.299,"endTime":1813.749,"body":"link to the"},{"speaker":"Andy Hart","startTime":1814.5,"endTime":1816.24,"body":"or read the article,"},{"speaker":"Andy Hart","startTime":1814.5,"endTime":1816.24,"body":"but it was just explaining"},{"speaker":"Andy Hart","startTime":1816.24,"endTime":1818.3999999999999,"body":"proper financial planning."},{"speaker":"Andy Hart","startTime":1816.24,"endTime":1818.3999999999999,"body":"Really, Alan, I mean, nothing"},{"speaker":"Andy Hart","startTime":1818.46,"endTime":1820.44,"body":"unusual. Someone's been doing"},{"speaker":"Andy Hart","startTime":1818.46,"endTime":1820.44,"body":"proper financial planning for"},{"speaker":"Andy Hart","startTime":1820.44,"endTime":1820.92,"body":"years."},{"speaker":"Alan Smith","startTime":1822.06,"endTime":1824.31,"body":"Yeah, to some"},{"speaker":"Alan Smith","startTime":1822.06,"endTime":1824.31,"body":"extent, but there's plenty of"},{"speaker":"Alan Smith","startTime":1824.31,"endTime":1828.0,"body":"people who are speaking to"},{"speaker":"Alan Smith","startTime":1824.31,"endTime":1828.0,"body":"clients who've got, you know,"},{"speaker":"Alan Smith","startTime":1828.0,"endTime":1832.26,"body":"another 2030 years of Working"},{"speaker":"Alan Smith","startTime":1828.0,"endTime":1832.26,"body":"life to continue and own"},{"speaker":"Alan Smith","startTime":1832.26,"endTime":1835.56,"body":"property assets might have what"},{"speaker":"Alan Smith","startTime":1832.26,"endTime":1835.56,"body":"we know will expense, pension"},{"speaker":"Alan Smith","startTime":1835.56,"endTime":1839.1,"body":"benefit, and they still have to"},{"speaker":"Alan Smith","startTime":1835.56,"endTime":1839.1,"body":"do a risk profiling. And 6040."},{"speaker":"Andy Hart","startTime":1839.249,"endTime":1842.549,"body":"As I've said, bonds"},{"speaker":"Andy Hart","startTime":1839.249,"endTime":1842.549,"body":"should be banned from pensions"},{"speaker":"Andy Hart","startTime":1842.549,"endTime":1846.809,"body":"for anyone under the age of 50"},{"speaker":"Andy Hart","startTime":1842.549,"endTime":1846.809,"body":"should only be allowed global"},{"speaker":"Andy Hart","startTime":1846.809,"endTime":1849.6889999999999,"body":"equities and pensions under the"},{"speaker":"Andy Hart","startTime":1846.809,"endTime":1849.6889999999999,"body":"age of 50. Just as a rough"},{"speaker":"Andy Hart","startTime":1849.6889999999999,"endTime":1852.869,"body":"marker to get started"},{"speaker":"Andy Hart","startTime":1849.6889999999999,"endTime":1852.869,"body":"contributing every single month"},{"speaker":"Andy Hart","startTime":1852.869,"endTime":1855.449,"body":"by an on average prices, I mean,"},{"speaker":"Andy Hart","startTime":1852.869,"endTime":1855.449,"body":"the amount of money they leave"},{"speaker":"Andy Hart","startTime":1855.449,"endTime":1858.059,"body":"on the table is astronomical."},{"speaker":"Andy Hart","startTime":1855.449,"endTime":1858.059,"body":"But again, we're not going to"},{"speaker":"Andy Hart","startTime":1858.059,"endTime":1861.389,"body":"have regulation that's going to,"},{"speaker":"Andy Hart","startTime":1858.059,"endTime":1861.389,"body":"you know, enforce that. But as"},{"speaker":"Andy Hart","startTime":1861.389,"endTime":1864.119,"body":"again, is a good thought"},{"speaker":"Andy Hart","startTime":1861.389,"endTime":1864.119,"body":"experiment. Bonds fixed income"},{"speaker":"Andy Hart","startTime":1864.119,"endTime":1866.279,"body":"should not be allowed in"},{"speaker":"Andy Hart","startTime":1864.119,"endTime":1866.279,"body":"pensions for anyone under the"},{"speaker":"Andy Hart","startTime":1866.279,"endTime":1868.349,"body":"age of 50. Go, Nick,"},{"speaker":"Nick Lincoln","startTime":1868.619,"endTime":1870.629,"body":"we got the we got"},{"speaker":"Nick Lincoln","startTime":1868.619,"endTime":1870.629,"body":"the we got we got the inverse of"},{"speaker":"Nick Lincoln","startTime":1870.629,"endTime":1872.9389999999999,"body":"that. We've got bloody"},{"speaker":"Nick Lincoln","startTime":1870.629,"endTime":1872.9389999999999,"body":"regulation that puts auto"},{"speaker":"Nick Lincoln","startTime":1872.9389999999999,"endTime":1875.339,"body":"enrollment people into bonds"},{"speaker":"Nick Lincoln","startTime":1872.9389999999999,"endTime":1875.339,"body":"when they're young. Yeah, that's"},{"speaker":"Nick Lincoln","startTime":1876.1789999999999,"endTime":1879.509,"body":"what's gonna take it they saw a"},{"speaker":"Nick Lincoln","startTime":1876.1789999999999,"endTime":1879.509,"body":"decline in value, which of"},{"speaker":"Nick Lincoln","startTime":1879.509,"endTime":1881.4289999999999,"body":"course, they have seen the"},{"speaker":"Nick Lincoln","startTime":1879.509,"endTime":1881.4289999999999,"body":"declining value of the last 18"},{"speaker":"Nick Lincoln","startTime":1881.4289999999999,"endTime":1884.009,"body":"months. So let's see how that"},{"speaker":"Nick Lincoln","startTime":1881.4289999999999,"endTime":1884.009,"body":"pans out. Just the unintended"},{"speaker":"Nick Lincoln","startTime":1884.009,"endTime":1887.129,"body":"consequences of legislation."},{"speaker":"Nick Lincoln","startTime":1884.009,"endTime":1887.129,"body":"Right, fine. Okay."},{"speaker":"Andy Hart","startTime":1889.019,"endTime":1889.499,"body":"Motion."},{"speaker":"Nick Lincoln","startTime":1892.26,"endTime":1894.84,"body":"Yes, you got a"},{"speaker":"Nick Lincoln","startTime":1892.26,"endTime":1894.84,"body":"podcast down under my friend. Do"},{"speaker":"Nick Lincoln","startTime":1894.8999999999999,"endTime":1896.97,"body":"you mentioned when we finished"},{"speaker":"Nick Lincoln","startTime":1894.8999999999999,"endTime":1896.97,"body":"this, and I'll tell you how the"},{"speaker":"Nick Lincoln","startTime":1896.97,"endTime":1900.03,"body":"ashes work so you can get a few"},{"speaker":"Nick Lincoln","startTime":1896.97,"endTime":1900.03,"body":"ribs in your friend crack on?"},{"speaker":"Alan Smith","startTime":1900.42,"endTime":1901.86,"body":"Yeah, do that,"},{"speaker":"Alan Smith","startTime":1900.42,"endTime":1901.86,"body":"although he's English or"},{"speaker":"Alan Smith","startTime":1901.92,"endTime":1904.92,"body":"anything. He's Welsh, to Welsh"},{"speaker":"Alan Smith","startTime":1901.92,"endTime":1904.92,"body":"play cricket. Anyway, I"},{"speaker":"Alan Smith","startTime":1904.92,"endTime":1910.56,"body":"mentioned. Yes, I by the time"},{"speaker":"Alan Smith","startTime":1904.92,"endTime":1910.56,"body":"this pod goes out, I will have"},{"speaker":"Alan Smith","startTime":1910.56,"endTime":1914.34,"body":"done it. But you would do a live"},{"speaker":"Alan Smith","startTime":1910.56,"endTime":1914.34,"body":"webinar Geico. I mentioned him"},{"speaker":"Alan Smith","startTime":1914.34,"endTime":1919.44,"body":"on this podcast before Stuart"},{"speaker":"Alan Smith","startTime":1914.34,"endTime":1919.44,"body":"Bell or dairy consulting. And"},{"speaker":"Alan Smith","startTime":1919.44,"endTime":1922.44,"body":"he's got a lot of good content."},{"speaker":"Alan Smith","startTime":1919.44,"endTime":1922.44,"body":"Interestingly, when I spoke to"},{"speaker":"Alan Smith","startTime":1922.44,"endTime":1927.87,"body":"him the other day, he said when"},{"speaker":"Alan Smith","startTime":1922.44,"endTime":1927.87,"body":"I mentioned it, his his website"},{"speaker":"Alan Smith","startTime":1927.8999999999999,"endTime":1932.43,"body":"and his content on trap a few"},{"speaker":"Alan Smith","startTime":1927.8999999999999,"endTime":1932.43,"body":"episodes ago, he didn't"},{"speaker":"Alan Smith","startTime":1932.46,"endTime":1934.44,"body":"obviously didn't know that I"},{"speaker":"Alan Smith","startTime":1932.46,"endTime":1934.44,"body":"mentioned it. And he immediately"},{"speaker":"Alan Smith","startTime":1934.44,"endTime":1938.07,"body":"got a load of downloads,"},{"speaker":"Alan Smith","startTime":1934.44,"endTime":1938.07,"body":"from.co.uk websites, that's the"},{"speaker":"Alan Smith","startTime":1938.1,"endTime":1940.3799999999999,"body":"you know, the influence of trap."},{"speaker":"Alan Smith","startTime":1938.1,"endTime":1940.3799999999999,"body":"But now as a consequence of"},{"speaker":"Alan Smith","startTime":1940.3799999999999,"endTime":1944.19,"body":"that, he's just right to be on."},{"speaker":"Alan Smith","startTime":1940.3799999999999,"endTime":1944.19,"body":"So we're going to be having a"},{"speaker":"Alan Smith","startTime":1944.49,"endTime":1948.3,"body":"live webinar type thing I've got"},{"speaker":"Alan Smith","startTime":1944.49,"endTime":1948.3,"body":"to do at eight o'clock in the"},{"speaker":"Alan Smith","startTime":1948.3,"endTime":1952.02,"body":"morning, which is 5pm all the"},{"speaker":"Alan Smith","startTime":1948.3,"endTime":1952.02,"body":"time in Sydney. So that's an"},{"speaker":"Alan Smith","startTime":1952.02,"endTime":1955.56,"body":"early start. But the putting"},{"speaker":"Alan Smith","startTime":1952.02,"endTime":1955.56,"body":"them up put I didn't know what"},{"speaker":"Alan Smith","startTime":1955.56,"endTime":1957.3,"body":"we're going to talk about."},{"speaker":"Alan Smith","startTime":1955.56,"endTime":1957.3,"body":"Hopefully, it's interesting."},{"speaker":"Alan Smith","startTime":1957.93,"endTime":1960.69,"body":"He's definitely got a lot of"},{"speaker":"Alan Smith","startTime":1957.93,"endTime":1960.69,"body":"good ideas, a good good content."},{"speaker":"Alan Smith","startTime":1960.69,"endTime":1963.33,"body":"He's a, he's a, he's a"},{"speaker":"Alan Smith","startTime":1960.69,"endTime":1963.33,"body":"consultant to financial planners"},{"speaker":"Alan Smith","startTime":1963.33,"endTime":1967.29,"body":"down under a very, sort of large"},{"speaker":"Alan Smith","startTime":1963.33,"endTime":1967.29,"body":"and strong financial planning"},{"speaker":"Alan Smith","startTime":1967.29,"endTime":1969.96,"body":"community in Australia. So I'll"},{"speaker":"Alan Smith","startTime":1967.29,"endTime":1969.96,"body":"put a link to that if anyone"},{"speaker":"Alan Smith","startTime":1969.96,"endTime":1972.78,"body":"wants to tune in as well. Thank"},{"speaker":"Alan Smith","startTime":1969.96,"endTime":1972.78,"body":"you."},{"speaker":"Carl Widger","startTime":1972.81,"endTime":1974.85,"body":"Are we going to"},{"speaker":"Carl Widger","startTime":1972.81,"endTime":1974.85,"body":"have a subscription model so you"},{"speaker":"Carl Widger","startTime":1974.85,"endTime":1975.93,"body":"can skip the ads?"},{"speaker":"Andy Hart","startTime":1979.649,"endTime":1983.879,"body":"Hello, Mr. Robin?"},{"speaker":"Andy Hart","startTime":1979.649,"endTime":1983.879,"body":"Yeah."},{"speaker":"Nick Lincoln","startTime":1984.93,"endTime":1987.3899999999999,"body":"Oh, very dry. All"},{"speaker":"Nick Lincoln","startTime":1984.93,"endTime":1987.3899999999999,"body":"right, right. Okay. Well, I have"},{"speaker":"Nick Lincoln","startTime":1987.3899999999999,"endTime":1989.43,"body":"got that in my calendar."},{"speaker":"Nick Lincoln","startTime":1987.3899999999999,"endTime":1989.43,"body":"Anastasia, we're looking forward"},{"speaker":"Nick Lincoln","startTime":1989.46,"endTime":1992.76,"body":"to listening with that. And good"},{"speaker":"Nick Lincoln","startTime":1989.46,"endTime":1992.76,"body":"luck with being compass mentors"},{"speaker":"Nick Lincoln","startTime":1992.76,"endTime":1996.57,"body":"at 8am. Okay, the final topical"},{"speaker":"Nick Lincoln","startTime":1992.76,"endTime":1996.57,"body":"tip that I think is the final"},{"speaker":"Nick Lincoln","startTime":1996.57,"endTime":1998.61,"body":"one. This is a this is a massive"},{"speaker":"Nick Lincoln","startTime":1996.57,"endTime":1998.61,"body":"one. Actually, Mr. Hart has"},{"speaker":"Nick Lincoln","startTime":1998.61,"endTime":2001.37,"body":"raised this the bloody gars"},{"speaker":"Nick Lincoln","startTime":1998.61,"endTime":2001.37,"body":"funds. I mean, Jesus Christ and"},{"speaker":"Nick Lincoln","startTime":2001.37,"endTime":2003.68,"body":"about everything wrong about the"},{"speaker":"Nick Lincoln","startTime":2001.37,"endTime":2003.68,"body":"industrial side of our"},{"speaker":"Nick Lincoln","startTime":2003.68,"endTime":2006.08,"body":"profession in one fund, Mr. Hart"},{"speaker":"Nick Lincoln","startTime":2003.68,"endTime":2006.08,"body":"crack on?"},{"speaker":"Andy Hart","startTime":2006.98,"endTime":2010.31,"body":"Yeah, so I think the"},{"speaker":"Andy Hart","startTime":2006.98,"endTime":2010.31,"body":"guards Fund, which stands for"},{"speaker":"Andy Hart","startTime":2010.34,"endTime":2014.45,"body":"Global absolute return"},{"speaker":"Andy Hart","startTime":2010.34,"endTime":2014.45,"body":"strategies. It's an absolute"},{"speaker":"Andy Hart","startTime":2014.6299999999999,"endTime":2018.71,"body":"honey trap for investing"},{"speaker":"Andy Hart","startTime":2014.6299999999999,"endTime":2018.71,"body":"illiterates, they love to hear"},{"speaker":"Andy Hart","startTime":2018.71,"endTime":2022.25,"body":"that sort of description of a"},{"speaker":"Andy Hart","startTime":2018.71,"endTime":2022.25,"body":"fund. So I believe it launched"},{"speaker":"Andy Hart","startTime":2022.25,"endTime":2028.31,"body":"in 2008, to great fanfare, and"},{"speaker":"Andy Hart","startTime":2022.25,"endTime":2028.31,"body":"at one stage in May 2016."},{"speaker":"Andy Hart","startTime":2028.97,"endTime":2033.8899999999999,"body":"Drumroll it was valued at 27"},{"speaker":"Andy Hart","startTime":2028.97,"endTime":2033.8899999999999,"body":"billion pounds, I believe, I"},{"speaker":"Andy Hart","startTime":2033.8899999999999,"endTime":2036.17,"body":"think it was the biggest fund we"},{"speaker":"Andy Hart","startTime":2033.8899999999999,"endTime":2036.17,"body":"had in the UK. I mean, Terry"},{"speaker":"Andy Hart","startTime":2036.17,"endTime":2038.21,"body":"Smith's fund, I think it's the"},{"speaker":"Andy Hart","startTime":2036.17,"endTime":2038.21,"body":"biggest in the UK now. And it's"},{"speaker":"Andy Hart","startTime":2038.21,"endTime":2040.73,"body":"not even near those numbers, or"},{"speaker":"Andy Hart","startTime":2038.21,"endTime":2040.73,"body":"it's close to those numbers at"},{"speaker":"Andy Hart","startTime":2040.73,"endTime":2043.79,"body":"the moment. Anyway, the amount"},{"speaker":"Andy Hart","startTime":2040.73,"endTime":2043.79,"body":"of fees that this fund has"},{"speaker":"Andy Hart","startTime":2043.79,"endTime":2046.9099999999999,"body":"generated is astronomical every"},{"speaker":"Andy Hart","startTime":2043.79,"endTime":2046.9099999999999,"body":"single year, even if we just"},{"speaker":"Andy Hart","startTime":2047.06,"endTime":2050.66,"body":"sort of be kind to them. So it's"},{"speaker":"Andy Hart","startTime":2047.06,"endTime":2050.66,"body":"about 1%. So they've just"},{"speaker":"Andy Hart","startTime":2050.66,"endTime":2055.55,"body":"extracted so much wealth from"},{"speaker":"Andy Hart","startTime":2050.66,"endTime":2055.55,"body":"your typical investor. And now"},{"speaker":"Andy Hart","startTime":2055.55,"endTime":2057.98,"body":"the news is they've merged into"},{"speaker":"Andy Hart","startTime":2055.55,"endTime":2057.98,"body":"one of their similar funds. I"},{"speaker":"Andy Hart","startTime":2057.98,"endTime":2061.01,"body":"think the value of it now is"},{"speaker":"Andy Hart","startTime":2057.98,"endTime":2061.01,"body":"down to a billion, the"},{"speaker":"Andy Hart","startTime":2061.01,"endTime":2064.13,"body":"performance of the fund since it"},{"speaker":"Andy Hart","startTime":2061.01,"endTime":2064.13,"body":"started, obviously, it had some"},{"speaker":"Andy Hart","startTime":2064.13,"endTime":2067.07,"body":"good years. That's why I"},{"speaker":"Andy Hart","startTime":2064.13,"endTime":2067.07,"body":"attracted some some people. But"},{"speaker":"Andy Hart","startTime":2067.07,"endTime":2071.0,"body":"over the last 10 years, it's"},{"speaker":"Andy Hart","startTime":2067.07,"endTime":2071.0,"body":"been absolutely horrendous. It's"},{"speaker":"Andy Hart","startTime":2071.0,"endTime":2075.65,"body":"basically done nothing and lost"},{"speaker":"Andy Hart","startTime":2071.0,"endTime":2075.65,"body":"money, I believe. Yeah, so"},{"speaker":"Andy Hart","startTime":2075.65,"endTime":2077.9,"body":"people get excited about this,"},{"speaker":"Andy Hart","startTime":2075.65,"endTime":2077.9,"body":"we bang on about it all the time"},{"speaker":"Andy Hart","startTime":2077.9,"endTime":2080.0299999999997,"body":"that we invest in things that"},{"speaker":"Andy Hart","startTime":2077.9,"endTime":2080.0299999999997,"body":"have always worked, we try and"},{"speaker":"Andy Hart","startTime":2080.0299999999997,"endTime":2083.24,"body":"avoid anything which is working"},{"speaker":"Andy Hart","startTime":2080.0299999999997,"endTime":2083.24,"body":"now. Again, nothing mentioned"},{"speaker":"Andy Hart","startTime":2083.24,"endTime":2085.85,"body":"earlier about 5% needs to be"},{"speaker":"Andy Hart","startTime":2083.24,"endTime":2085.85,"body":"invested in vent. That's again,"},{"speaker":"Andy Hart","startTime":2085.85,"endTime":2088.91,"body":"something working now. And then"},{"speaker":"Andy Hart","startTime":2085.85,"endTime":2088.91,"body":"obviously, the gas fund was"},{"speaker":"Andy Hart","startTime":2088.91,"endTime":2092.75,"body":"working now and then we try and"},{"speaker":"Andy Hart","startTime":2088.91,"endTime":2092.75,"body":"avoid it. So yeah, this gas fund"},{"speaker":"Andy Hart","startTime":2092.75,"endTime":2096.5,"body":"is, yeah, been a bit of a thing"},{"speaker":"Andy Hart","startTime":2092.75,"endTime":2096.5,"body":"in all of our sort of"},{"speaker":"Andy Hart","startTime":2096.5,"endTime":2099.38,"body":"professional lives. But yeah,"},{"speaker":"Andy Hart","startTime":2096.5,"endTime":2099.38,"body":"we've all avoided it, I believe,"},{"speaker":"Andy Hart","startTime":2099.38,"endTime":2104.15,"body":"which thank God. So yeah, who's"},{"speaker":"Andy Hart","startTime":2099.38,"endTime":2104.15,"body":"who's next to common about God."},{"speaker":"Andy Hart","startTime":2104.15,"endTime":2104.3,"body":"So"},{"speaker":"Nick Lincoln","startTime":2104.659,"endTime":2106.549,"body":"I quickly throw it"},{"speaker":"Nick Lincoln","startTime":2104.659,"endTime":2106.549,"body":"in just a second, just to say"},{"speaker":"Nick Lincoln","startTime":2106.549,"endTime":2109.369,"body":"that we you were sort of before"},{"speaker":"Nick Lincoln","startTime":2106.549,"endTime":2109.369,"body":"we started recording that we saw"},{"speaker":"Nick Lincoln","startTime":2109.369,"endTime":2111.439,"body":"a graph of the returns of this"},{"speaker":"Nick Lincoln","startTime":2109.369,"endTime":2111.439,"body":"fund. And it's basically"},{"speaker":"Nick Lincoln","startTime":2111.439,"endTime":2116.749,"body":"flatlined since 2013. But your"},{"speaker":"Nick Lincoln","startTime":2111.439,"endTime":2116.749,"body":"point and what we love is as"},{"speaker":"Nick Lincoln","startTime":2116.8089999999997,"endTime":2121.069,"body":"because this thing of ours and"},{"speaker":"Nick Lincoln","startTime":2116.8089999999997,"endTime":2121.069,"body":"we're immersed in it. Most of"},{"speaker":"Nick Lincoln","startTime":2121.069,"endTime":2124.339,"body":"the money into that farm would"},{"speaker":"Nick Lincoln","startTime":2121.069,"endTime":2124.339,"body":"have flooded in at the point of"},{"speaker":"Nick Lincoln","startTime":2124.339,"endTime":2127.549,"body":"the high officials strong"},{"speaker":"Nick Lincoln","startTime":2124.339,"endTime":2127.549,"body":"relative performance through the"},{"speaker":"Nick Lincoln","startTime":2127.549,"endTime":2130.7889999999998,"body":"credit crunch and everything"},{"speaker":"Nick Lincoln","startTime":2127.549,"endTime":2130.7889999999998,"body":"else. So even the Good, even the"},{"speaker":"Nick Lincoln","startTime":2130.7889999999998,"endTime":2133.729,"body":"good years, the vast majority of"},{"speaker":"Nick Lincoln","startTime":2130.7889999999998,"endTime":2133.729,"body":"investors in that fund wouldn't"},{"speaker":"Nick Lincoln","startTime":2133.729,"endTime":2136.639,"body":"have picked it out later picked"},{"speaker":"Nick Lincoln","startTime":2133.729,"endTime":2136.639,"body":"up that trait like Kathy Woods"},{"speaker":"Nick Lincoln","startTime":2136.669,"endTime":2137.239,"body":"Ark. Yeah."},{"speaker":"Alan Smith","startTime":2138.71,"endTime":2141.41,"body":"It's like the Ark"},{"speaker":"Alan Smith","startTime":2138.71,"endTime":2141.41,"body":"fund is the new version of the"},{"speaker":"Alan Smith","startTime":2141.41,"endTime":2141.92,"body":"RFP"},{"speaker":"Andy Hart","startTime":2141.92,"endTime":2144.74,"body":"the wrong time. And"},{"speaker":"Andy Hart","startTime":2141.92,"endTime":2144.74,"body":"again, another risk that I bang"},{"speaker":"Andy Hart","startTime":2144.74,"endTime":2147.08,"body":"on about that almost nobody"},{"speaker":"Andy Hart","startTime":2144.74,"endTime":2147.08,"body":"talks about is a risk of low"},{"speaker":"Andy Hart","startTime":2147.08,"endTime":2150.41,"body":"returns. So imagine if you had a"},{"speaker":"Andy Hart","startTime":2147.08,"endTime":2150.41,"body":"typical client, they invested"},{"speaker":"Andy Hart","startTime":2150.41,"endTime":2153.32,"body":"100,000 In this fund, and it's"},{"speaker":"Andy Hart","startTime":2150.41,"endTime":2153.32,"body":"just gone nowhere and lost loads"},{"speaker":"Andy Hart","startTime":2153.32,"endTime":2156.56,"body":"of money if they just invested"},{"speaker":"Andy Hart","startTime":2153.32,"endTime":2156.56,"body":"in a normal Global Equity Fund,"},{"speaker":"Andy Hart","startTime":2156.98,"endTime":2161.0299999999997,"body":"that would have done about 200%"},{"speaker":"Andy Hart","startTime":2156.98,"endTime":2161.0299999999997,"body":"In the last 10 years. It's just"},{"speaker":"Andy Hart","startTime":2161.0299999999997,"endTime":2163.82,"body":"ridiculous. It's absolutely"},{"speaker":"Andy Hart","startTime":2161.0299999999997,"endTime":2163.82,"body":"insane. But hey,"},{"speaker":"Carl Widger","startTime":2164.39,"endTime":2167.18,"body":"what wasn't, wasn't"},{"speaker":"Carl Widger","startTime":2164.39,"endTime":2167.18,"body":"one of their selling points, but"},{"speaker":"Carl Widger","startTime":2167.18,"endTime":2170.12,"body":"that they had the their own"},{"speaker":"Carl Widger","startTime":2167.18,"endTime":2170.12,"body":"pension funds, the standard"},{"speaker":"Carl Widger","startTime":2170.12,"endTime":2175.82,"body":"lives own pension fund was in"},{"speaker":"Carl Widger","startTime":2170.12,"endTime":2175.82,"body":"predominantly in gars. So wonder"},{"speaker":"Carl Widger","startTime":2175.82,"endTime":2178.79,"body":"how that one for them all? Yeah,"},{"speaker":"Carl Widger","startTime":2175.82,"endTime":2178.79,"body":"how do they talk to their own"},{"speaker":"Carl Widger","startTime":2179.06,"endTime":2179.99,"body":"their own people?"},{"speaker":"Alan Smith","startTime":2180.23,"endTime":2183.83,"body":"Do you know, I mean,"},{"speaker":"Alan Smith","startTime":2180.23,"endTime":2183.83,"body":"this was so so popular. I mean,"},{"speaker":"Alan Smith","startTime":2183.86,"endTime":2189.08,"body":"in the, in our sort of"},{"speaker":"Alan Smith","startTime":2183.86,"endTime":2189.08,"body":"mastermind group that the UK"},{"speaker":"Alan Smith","startTime":2189.11,"endTime":2192.41,"body":"members of us used to be talked"},{"speaker":"Alan Smith","startTime":2189.11,"endTime":2192.41,"body":"about a lot. I remember and a"},{"speaker":"Alan Smith","startTime":2192.41,"endTime":2196.0099999999998,"body":"lot of advisors piled into it."},{"speaker":"Alan Smith","startTime":2192.41,"endTime":2196.0099999999998,"body":"And it wasn't a bad because it"},{"speaker":"Alan Smith","startTime":2196.0099999999998,"endTime":2199.07,"body":"did it when did you say was"},{"speaker":"Alan Smith","startTime":2196.0099999999998,"endTime":2199.07,"body":"launched 2008 is sort of it was"},{"speaker":"Alan Smith","startTime":2199.07,"endTime":2203.0,"body":"launched, you know, after the"},{"speaker":"Alan Smith","startTime":2199.07,"endTime":2203.0,"body":"banking, global sort of back end"},{"speaker":"Alan Smith","startTime":2203.0,"endTime":2206.18,"body":"of the financial crisis. Time."},{"speaker":"Alan Smith","startTime":2203.0,"endTime":2206.18,"body":"So everyone was everyone was"},{"speaker":"Alan Smith","startTime":2206.18,"endTime":2209.0299999999997,"body":"feeling a bit sort of raw and"},{"speaker":"Alan Smith","startTime":2206.18,"endTime":2209.0299999999997,"body":"bruised by having sort of a lot"},{"speaker":"Alan Smith","startTime":2209.0299999999997,"endTime":2211.79,"body":"of volatility in a previous"},{"speaker":"Alan Smith","startTime":2209.0299999999997,"endTime":2211.79,"body":"couple of years. And so piled"},{"speaker":"Alan Smith","startTime":2211.79,"endTime":2215.72,"body":"into it in a huge, huge numbers"},{"speaker":"Alan Smith","startTime":2211.79,"endTime":2215.72,"body":"really, really significant. But"},{"speaker":"Alan Smith","startTime":2215.72,"endTime":2219.29,"body":"I remember looking at it in some"},{"speaker":"Alan Smith","startTime":2215.72,"endTime":2219.29,"body":"detail and looking at the, you"},{"speaker":"Alan Smith","startTime":2219.29,"endTime":2221.57,"body":"know, the fun fact sheets in"},{"speaker":"Alan Smith","startTime":2219.29,"endTime":2221.57,"body":"detail, I'm not sure if everyone"},{"speaker":"Alan Smith","startTime":2221.57,"endTime":2226.43,"body":"would have read them because a"},{"speaker":"Alan Smith","startTime":2221.57,"endTime":2226.43,"body":"lot of it was currency trading,"},{"speaker":"Alan Smith","startTime":2226.55,"endTime":2229.49,"body":"but there was there was really"},{"speaker":"Alan Smith","startTime":2226.55,"endTime":2229.49,"body":"sort of complex kind of hedging"},{"speaker":"Alan Smith","startTime":2229.49,"endTime":2232.82,"body":"strategies. And I remember"},{"speaker":"Alan Smith","startTime":2229.49,"endTime":2232.82,"body":"seeing this thing that said that"},{"speaker":"Alan Smith","startTime":2232.85,"endTime":2235.31,"body":"because it would list all the"},{"speaker":"Alan Smith","startTime":2232.85,"endTime":2235.31,"body":"trades they had on it, or"},{"speaker":"Alan Smith","startTime":2235.31,"endTime":2238.16,"body":"certainly the top 10 trades, and"},{"speaker":"Alan Smith","startTime":2235.31,"endTime":2238.16,"body":"it was something like the"},{"speaker":"Alan Smith","startTime":2238.16,"endTime":2245.15,"body":"Mexican peso versus the Swiss"},{"speaker":"Alan Smith","startTime":2238.16,"endTime":2245.15,"body":"franc. It's like a currency swap"},{"speaker":"Alan Smith","startTime":2245.15,"endTime":2248.15,"body":"type thing. And I'm thinking"},{"speaker":"Alan Smith","startTime":2245.15,"endTime":2248.15,"body":"that this is for, you know,"},{"speaker":"Alan Smith","startTime":2248.21,"endTime":2250.55,"body":"widows and orphans and Mrs."},{"speaker":"Alan Smith","startTime":2248.21,"endTime":2250.55,"body":"Miggins or what have you, I have"},{"speaker":"Alan Smith","startTime":2250.55,"endTime":2253.91,"body":"no clue that there's all sorts"},{"speaker":"Alan Smith","startTime":2250.55,"endTime":2253.91,"body":"of weird and wonderful currency"},{"speaker":"Alan Smith","startTime":2253.91,"endTime":2258.02,"body":"swaps and hedging strategies"},{"speaker":"Alan Smith","startTime":2253.91,"endTime":2258.02,"body":"built into it. But inevitably,"},{"speaker":"Alan Smith","startTime":2258.02,"endTime":2261.89,"body":"you did do quite well for a bit"},{"speaker":"Alan Smith","startTime":2258.02,"endTime":2261.89,"body":"and then everyone piles in and"},{"speaker":"Alan Smith","startTime":2261.89,"endTime":2264.86,"body":"as you say, it is the amount of"},{"speaker":"Alan Smith","startTime":2261.89,"endTime":2264.86,"body":"wealth that has been destroyed"},{"speaker":"Alan Smith","startTime":2264.86,"endTime":2268.07,"body":"by sitting there for the last"},{"speaker":"Alan Smith","startTime":2264.86,"endTime":2268.07,"body":"however many years versus just"},{"speaker":"Alan Smith","startTime":2268.07,"endTime":2269.12,"body":"buying global equities"},{"speaker":"Andy Hart","startTime":2269.87,"endTime":2271.67,"body":"Why wouldn't I"},{"speaker":"Andy Hart","startTime":2269.87,"endTime":2271.67,"body":"regulator look if I remember and"},{"speaker":"Andy Hart","startTime":2271.67,"endTime":2274.2799999999997,"body":"work out the fees that have been"},{"speaker":"Andy Hart","startTime":2271.67,"endTime":2274.2799999999997,"body":"paid and the wealth that's been"},{"speaker":"Andy Hart","startTime":2274.2799999999997,"endTime":2276.35,"body":"lost? It'd be it'd be madness"},{"speaker":"Andy Hart","startTime":2274.2799999999997,"endTime":2276.35,"body":"sorry."},{"speaker":"Nick Lincoln","startTime":2276.68,"endTime":2278.66,"body":"Two regulations if"},{"speaker":"Nick Lincoln","startTime":2276.68,"endTime":2278.66,"body":"there's a savior the regulations"},{"speaker":"Nick Lincoln","startTime":2278.66,"endTime":2282.23,"body":"the problem called made the"},{"speaker":"Nick Lincoln","startTime":2278.66,"endTime":2282.23,"body":"point before we started"},{"speaker":"Nick Lincoln","startTime":2282.23,"endTime":2284.36,"body":"recording that he doesn't you"},{"speaker":"Nick Lincoln","startTime":2282.23,"endTime":2284.36,"body":"know, don't invest in something"},{"speaker":"Nick Lincoln","startTime":2284.36,"endTime":2287.69,"body":"you don't understand and this"},{"speaker":"Nick Lincoln","startTime":2284.36,"endTime":2287.69,"body":"the gars the guy although and if"},{"speaker":"Nick Lincoln","startTime":2287.69,"endTime":2290.27,"body":"you were near convention time"},{"speaker":"Nick Lincoln","startTime":2287.69,"endTime":2290.27,"body":"and you were just lacking on"},{"speaker":"Nick Lincoln","startTime":2290.27,"endTime":2292.85,"body":"your days of going up down the"},{"speaker":"Nick Lincoln","startTime":2290.27,"endTime":2292.85,"body":"high streets of North London"},{"speaker":"Nick Lincoln","startTime":2293.45,"endTime":2295.91,"body":"flogging standard like products"},{"speaker":"Nick Lincoln","startTime":2293.45,"endTime":2295.91,"body":"would you would you have had a"},{"speaker":"Nick Lincoln","startTime":2295.91,"endTime":2302.42,"body":"go with cars if it had been"},{"speaker":"Nick Lincoln","startTime":2295.91,"endTime":2302.42,"body":"around puts on"},{"speaker":"Unknown","startTime":2307.43,"endTime":2321.44,"body":"my wheelbarrow props"},{"speaker":"Unknown","startTime":2307.43,"endTime":2321.44,"body":"signed by the week I was 21 I"},{"speaker":"Unknown","startTime":2321.44,"endTime":2322.07,"body":"owe about"},{"speaker":"Alan Smith","startTime":2327.17,"endTime":2330.89,"body":"bringing us up"},{"speaker":"Alan Smith","startTime":2327.17,"endTime":2330.89,"body":"excelled yourself."},{"speaker":"Unknown","startTime":2331.34,"endTime":2332.48,"body":"This busy week Nick."},{"speaker":"Alan Smith","startTime":2333.98,"endTime":2335.84,"body":"Do I have to explain"},{"speaker":"Alan Smith","startTime":2333.98,"endTime":2335.84,"body":"do you have to explain what that"},{"speaker":"Alan Smith","startTime":2335.84,"endTime":2336.71,"body":"means to anyone?"},{"speaker":"Andy Hart","startTime":2339.44,"endTime":2340.79,"body":"Just the famous hour"},{"speaker":"Andy Hart","startTime":2339.44,"endTime":2340.79,"body":"just"},{"speaker":"Alan Smith","startTime":2340.79,"endTime":2345.92,"body":"very briefly, my"},{"speaker":"Alan Smith","startTime":2340.79,"endTime":2345.92,"body":"Yeah, my early days was spent"},{"speaker":"Alan Smith","startTime":2345.95,"endTime":2349.34,"body":"working for the aforementioned"},{"speaker":"Alan Smith","startTime":2345.95,"endTime":2349.34,"body":"Standard Life as was a great"},{"speaker":"Alan Smith","startTime":2349.34,"endTime":2352.67,"body":"company when I was working for"},{"speaker":"Alan Smith","startTime":2349.34,"endTime":2352.67,"body":"them and my power was broker"},{"speaker":"Alan Smith","startTime":2352.67,"endTime":2355.88,"body":"consultant. My patch was the"},{"speaker":"Alan Smith","startTime":2352.67,"endTime":2355.88,"body":"geographical area was kind of"},{"speaker":"Alan Smith","startTime":2355.88,"endTime":2359.45,"body":"northwest London including"},{"speaker":"Alan Smith","startTime":2355.88,"endTime":2359.45,"body":"Wembley, a place called alperton"},{"speaker":"Alan Smith","startTime":2359.45,"endTime":2362.93,"body":"is a suburb of Wembley and I"},{"speaker":"Alan Smith","startTime":2359.45,"endTime":2362.93,"body":"used to did used to walk out"},{"speaker":"Alan Smith","startTime":2362.93,"endTime":2366.89,"body":"there and it was brilliant love"},{"speaker":"Alan Smith","startTime":2362.93,"endTime":2366.89,"body":"that that jingle that drop. I"},{"speaker":"Alan Smith","startTime":2366.89,"endTime":2369.98,"body":"used to walk up it was referred"},{"speaker":"Alan Smith","startTime":2366.89,"endTime":2369.98,"body":"to as the proverbial wheelbarrow"},{"speaker":"Alan Smith","startTime":2370.25,"endTime":2373.67,"body":"up with my wheelbarrow and knock"},{"speaker":"Alan Smith","startTime":2370.25,"endTime":2373.67,"body":"and all this and ifas financial"},{"speaker":"Alan Smith","startTime":2373.67,"endTime":2375.5299999999997,"body":"advisors and accountants door"},{"speaker":"Andy Hart","startTime":2375.529,"endTime":2379.279,"body":"used to work out of"},{"speaker":"Andy Hart","startTime":2375.529,"endTime":2379.279,"body":"shops and like taxi prophecy."},{"speaker":"Alan Smith","startTime":2379.82,"endTime":2382.49,"body":"Guarantees Yeah,"},{"speaker":"Alan Smith","startTime":2379.82,"endTime":2382.49,"body":"yeah, Gene shops literally"},{"speaker":"Alan Smith","startTime":2383.36,"endTime":2386.09,"body":"chucking the props and yeah."},{"speaker":"Unknown","startTime":2388.04,"endTime":2390.41,"body":"Application the props"},{"speaker":"Unknown","startTime":2388.04,"endTime":2390.41,"body":"Chuck"},{"speaker":"Alan Smith","startTime":2390.41,"endTime":2393.59,"body":"into props, boys. So"},{"speaker":"Alan Smith","startTime":2390.41,"endTime":2393.59,"body":"and that was Nick's a well done."},{"speaker":"Alan Smith","startTime":2393.59,"endTime":2396.98,"body":"Congratulations. He's made for"},{"speaker":"Alan Smith","startTime":2393.59,"endTime":2396.98,"body":"you. That's a Glen Campbell I"},{"speaker":"Alan Smith","startTime":2396.98,"endTime":2398.0299999999997,"body":"believe Richard was"},{"speaker":"Nick Lincoln","startTime":2399.05,"endTime":2401.36,"body":"great. Glenn can"},{"speaker":"Nick Lincoln","startTime":2399.05,"endTime":2401.36,"body":"watch Elvis doing those now"},{"speaker":"Nick Lincoln","startTime":2401.36,"endTime":2401.81,"body":"become"},{"speaker":"Alan Smith","startTime":2401.87,"endTime":2405.8,"body":"out. We've got a new"},{"speaker":"Alan Smith","startTime":2401.87,"endTime":2405.8,"body":"drop. That was funny and you"},{"speaker":"Alan Smith","startTime":2405.8,"endTime":2409.34,"body":"threw a few surprises or none of"},{"speaker":"Alan Smith","startTime":2405.8,"endTime":2409.34,"body":"us knew that was coming. So it's"},{"speaker":"Alan Smith","startTime":2409.34,"endTime":2409.46,"body":"been"},{"speaker":"Nick Lincoln","startTime":2409.85,"endTime":2410.99,"body":"a few weeks. I"},{"speaker":"Nick Lincoln","startTime":2409.85,"endTime":2410.99,"body":"haven't had the right"},{"speaker":"Nick Lincoln","startTime":2410.99,"endTime":2412.34,"body":"opportunity. But I thought okay,"},{"speaker":"Nick Lincoln","startTime":2410.99,"endTime":2412.34,"body":"god."},{"speaker":"Alan Smith","startTime":2414.56,"endTime":2417.83,"body":"Guys, was it I"},{"speaker":"Alan Smith","startTime":2414.56,"endTime":2417.83,"body":"predated guards? It didn't exist"},{"speaker":"Alan Smith","startTime":2417.83,"endTime":2420.47,"body":"when I was working for web with"},{"speaker":"Nick Lincoln","startTime":2422.54,"endTime":2424.31,"body":"which actually,"},{"speaker":"Nick Lincoln","startTime":2422.54,"endTime":2424.31,"body":"which actually is the forerunner"},{"speaker":"Nick Lincoln","startTime":2424.31,"endTime":2427.1,"body":"of this kind of thing, isn't it?"},{"speaker":"Nick Lincoln","startTime":2424.31,"endTime":2427.1,"body":"Yeah, opaque. Completely"},{"speaker":"Nick Lincoln","startTime":2427.1,"endTime":2427.97,"body":"indecipherable. Yeah,"},{"speaker":"Carl Widger","startTime":2428.0,"endTime":2430.73,"body":"we'll get we'll get"},{"speaker":"Carl Widger","startTime":2428.0,"endTime":2430.73,"body":"to solid return. No matter what,"},{"speaker":"Carl Widger","startTime":2430.7599999999998,"endTime":2432.71,"body":"no matter what the low returns"},{"speaker":"Nick Lincoln","startTime":2432.71,"endTime":2434.87,"body":"guaranteed poverty"},{"speaker":"Nick Lincoln","startTime":2432.71,"endTime":2434.87,"body":"and retirement destiny, you"},{"speaker":"Nick Lincoln","startTime":2434.87,"endTime":2435.02,"body":"know,"},{"speaker":"Alan Smith","startTime":2435.529,"endTime":2439.279,"body":"these things do"},{"speaker":"Alan Smith","startTime":2435.529,"endTime":2439.279,"body":"these things appeal to human"},{"speaker":"Alan Smith","startTime":2439.279,"endTime":2442.369,"body":"beings, don't they? Yeah."},{"speaker":"Alan Smith","startTime":2439.279,"endTime":2442.369,"body":"Whether it's whether it's God is"},{"speaker":"Alan Smith","startTime":2442.369,"endTime":2442.909,"body":"a nice"},{"speaker":"Nick Lincoln","startTime":2442.94,"endTime":2445.13,"body":"say appeal to lazy"},{"speaker":"Nick Lincoln","startTime":2442.94,"endTime":2445.13,"body":"advisor, they appeal to those"},{"speaker":"Nick Lincoln","startTime":2445.13,"endTime":2449.63,"body":"who are the same. Yeah."},{"speaker":"Nick Lincoln","startTime":2445.13,"endTime":2449.63,"body":"2008 2012 you couldn't take a"},{"speaker":"Nick Lincoln","startTime":2449.63,"endTime":2451.79,"body":"piss without a gas salesman"},{"speaker":"Nick Lincoln","startTime":2449.63,"endTime":2451.79,"body":"standing next to you at the"},{"speaker":"Nick Lincoln","startTime":2451.79,"endTime":2455.06,"body":"Orion because it was just"},{"speaker":"Nick Lincoln","startTime":2451.79,"endTime":2455.06,"body":"everywhere. And now it's just"},{"speaker":"Nick Lincoln","startTime":2455.06,"endTime":2456.2,"body":"the stony silence."},{"speaker":"Carl Widger","startTime":2456.44,"endTime":2460.13,"body":"I remember when I"},{"speaker":"Carl Widger","startTime":2456.44,"endTime":2460.13,"body":"set up originally in 2010. It"},{"speaker":"Carl Widger","startTime":2460.13,"endTime":2465.05,"body":"might have been 2011. But the"},{"speaker":"Carl Widger","startTime":2460.13,"endTime":2465.05,"body":"the guards on manager salesman"},{"speaker":"Carl Widger","startTime":2465.11,"endTime":2468.89,"body":"thing was done in my office, and"},{"speaker":"Carl Widger","startTime":2465.11,"endTime":2468.89,"body":"it was massive in Ireland. Yeah,"},{"speaker":"Carl Widger","startTime":2468.92,"endTime":2472.13,"body":"massive. And it was like, I was"},{"speaker":"Carl Widger","startTime":2468.92,"endTime":2472.13,"body":"I was an idiot, because it"},{"speaker":"Carl Widger","startTime":2472.13,"endTime":2474.74,"body":"wasn't putting my clients into"},{"speaker":"Carl Widger","startTime":2472.13,"endTime":2474.74,"body":"it. And it wasn't put my clients"},{"speaker":"Carl Widger","startTime":2474.74,"endTime":2477.23,"body":"into it. Because I genuinely was"},{"speaker":"Carl Widger","startTime":2474.74,"endTime":2477.23,"body":"afraid I'd be asked a question"},{"speaker":"Carl Widger","startTime":2477.23,"endTime":2479.96,"body":"because I could not understand"},{"speaker":"Carl Widger","startTime":2477.23,"endTime":2479.96,"body":"it. Yeah. And that's a fact. And"},{"speaker":"Carl Widger","startTime":2479.96,"endTime":2486.5299999999997,"body":"it was like, thank God. So"},{"speaker":"Carl Widger","startTime":2479.96,"endTime":2486.5299999999997,"body":"anyway, yeah. Anyway, yeah. Rip"},{"speaker":"Carl Widger","startTime":2486.5299999999997,"endTime":2487.19,"body":"gars."},{"speaker":"Alan Smith","startTime":2487.43,"endTime":2490.7,"body":"I wonder if I wonder"},{"speaker":"Alan Smith","startTime":2487.43,"endTime":2490.7,"body":"if the introduction of consumer"},{"speaker":"Alan Smith","startTime":2490.7,"endTime":2494.57,"body":"duty, it seems very coincidental"},{"speaker":"Alan Smith","startTime":2490.7,"endTime":2494.57,"body":"that the pulled the fund, sort"},{"speaker":"Alan Smith","startTime":2494.57,"endTime":2499.55,"body":"of the day after consumer duty"},{"speaker":"Alan Smith","startTime":2494.57,"endTime":2499.55,"body":"came in to justify, well,"},{"speaker":"Alan Smith","startTime":2499.55,"endTime":2502.16,"body":"Mirage, that was you just closed"},{"speaker":"Alan Smith","startTime":2499.55,"endTime":2502.16,"body":"it down, isn't it. But if you"},{"speaker":"Alan Smith","startTime":2502.16,"endTime":2504.8,"body":"have to justify that as a value"},{"speaker":"Alan Smith","startTime":2502.16,"endTime":2504.8,"body":"for money thing on the consumer"},{"speaker":"Alan Smith","startTime":2504.8,"endTime":2505.22,"body":"duty rate,"},{"speaker":"Andy Hart","startTime":2506.06,"endTime":2508.13,"body":"regulation that the"},{"speaker":"Andy Hart","startTime":2506.06,"endTime":2508.13,"body":"FCA has gotten to now and that"},{"speaker":"Andy Hart","startTime":2508.16,"endTime":2510.2,"body":"fund managers need to prove that"},{"speaker":"Nick Lincoln","startTime":2510.2,"endTime":2513.02,"body":"their fair value"},{"speaker":"Nick Lincoln","startTime":2510.2,"endTime":2513.02,"body":"assessment? Yeah, it's just got,"},{"speaker":"Andy Hart","startTime":2513.14,"endTime":2514.58,"body":"I mean, how are they"},{"speaker":"Andy Hart","startTime":2513.14,"endTime":2514.58,"body":"navigating all?"},{"speaker":"Alan Smith","startTime":2515.81,"endTime":2517.7,"body":"They've had to do"},{"speaker":"Alan Smith","startTime":2515.81,"endTime":2517.7,"body":"that for last the last few years"},{"speaker":"Alan Smith","startTime":2517.7,"endTime":2519.68,"body":"and this and they're not the"},{"speaker":"Alan Smith","startTime":2517.7,"endTime":2519.68,"body":"only fun. There's plenty other"},{"speaker":"Alan Smith","startTime":2519.68,"endTime":2519.89,"body":"No,"},{"speaker":"Andy Hart","startTime":2519.89,"endTime":2522.65,"body":"I get it. No, no,"},{"speaker":"Andy Hart","startTime":2519.89,"endTime":2522.65,"body":"yeah, we're just highlighting"},{"speaker":"Andy Hart","startTime":2522.65,"endTime":2523.19,"body":"this because"},{"speaker":"Alan Smith","startTime":2523.58,"endTime":2528.2,"body":"this was this was"},{"speaker":"Alan Smith","startTime":2523.58,"endTime":2528.2,"body":"the biggest, yeah, some margin."},{"speaker":"Alan Smith","startTime":2528.23,"endTime":2531.2,"body":"So somebody, some board"},{"speaker":"Alan Smith","startTime":2528.23,"endTime":2531.2,"body":"somewhere has just have signed"},{"speaker":"Alan Smith","startTime":2531.2,"endTime":2532.2799999999997,"body":"that off every year, there's"},{"speaker":"Andy Hart","startTime":2532.2799999999997,"endTime":2535.22,"body":"been a lot of"},{"speaker":"Andy Hart","startTime":2532.2799999999997,"endTime":2535.22,"body":"Ferraris bought, and a lot of"},{"speaker":"Andy Hart","startTime":2535.22,"endTime":2538.79,"body":"school fees paid via that gas"},{"speaker":"Andy Hart","startTime":2535.22,"endTime":2538.79,"body":"fund. And it, you know, it's"},{"speaker":"Andy Hart","startTime":2538.79,"endTime":2543.56,"body":"part of our profession. And it"},{"speaker":"Andy Hart","startTime":2538.79,"endTime":2543.56,"body":"it really does great me. Yeah,"},{"speaker":"Andy Hart","startTime":2543.62,"endTime":2543.92,"body":"so"},{"speaker":"Alan Smith","startTime":2544.07,"endTime":2546.05,"body":"can I can I just"},{"speaker":"Alan Smith","startTime":2544.07,"endTime":2546.05,"body":"chuck something else in here"},{"speaker":"Alan Smith","startTime":2546.05,"endTime":2549.38,"body":"just briefly that we hadn't"},{"speaker":"Alan Smith","startTime":2546.05,"endTime":2549.38,"body":"rehearsed or talked about in the"},{"speaker":"Alan Smith","startTime":2549.38,"endTime":2555.89,"body":"past. So somebody chastise me"},{"speaker":"Alan Smith","startTime":2549.38,"endTime":2555.89,"body":"recently, online, because I've"},{"speaker":"Alan Smith","startTime":2555.89,"endTime":2558.32,"body":"been sort of having a moan and"},{"speaker":"Alan Smith","startTime":2555.89,"endTime":2558.32,"body":"groan about a couple of things,"},{"speaker":"Alan Smith","startTime":2558.98,"endTime":2562.25,"body":"is about fees and a number of"},{"speaker":"Alan Smith","startTime":2558.98,"endTime":2562.25,"body":"other things. And people seem"},{"speaker":"Alan Smith","startTime":2562.31,"endTime":2568.1,"body":"why do you why do I and and by"},{"speaker":"Alan Smith","startTime":2562.31,"endTime":2568.1,"body":"by association, why do you? And"},{"speaker":"Alan Smith","startTime":2568.1,"endTime":2572.36,"body":"why do we talk about negative"},{"speaker":"Alan Smith","startTime":2568.1,"endTime":2572.36,"body":"things in our sector? This is"},{"speaker":"Alan Smith","startTime":2572.36,"endTime":2574.97,"body":"all negative, we should be"},{"speaker":"Alan Smith","startTime":2572.36,"endTime":2574.97,"body":"promoting and highlighting the"},{"speaker":"Alan Smith","startTime":2574.97,"endTime":2579.32,"body":"positive aspects? Both because"},{"speaker":"Alan Smith","startTime":2574.97,"endTime":2579.32,"body":"part of our part of our Yeah,"},{"speaker":"Alan Smith","startTime":2580.31,"endTime":2582.71,"body":"well, I think I think we do and"},{"speaker":"Alan Smith","startTime":2580.31,"endTime":2582.71,"body":"I think when we identify things"},{"speaker":"Alan Smith","startTime":2582.71,"endTime":2584.93,"body":"that we say are, you know,"},{"speaker":"Alan Smith","startTime":2582.71,"endTime":2584.93,"body":"whatever you want to call it"},{"speaker":"Alan Smith","startTime":2584.93,"endTime":2589.46,"body":"sharp practice or not, you know,"},{"speaker":"Alan Smith","startTime":2584.93,"endTime":2589.46,"body":"something that will we wouldn't"},{"speaker":"Alan Smith","startTime":2589.46,"endTime":2593.15,"body":"recommend perhaps something that"},{"speaker":"Alan Smith","startTime":2589.46,"endTime":2593.15,"body":"we don't enjoy seeing within our"},{"speaker":"Alan Smith","startTime":2593.54,"endTime":2596.84,"body":"industry and our profession,"},{"speaker":"Alan Smith","startTime":2593.54,"endTime":2596.84,"body":"then I think it is, I think it's"},{"speaker":"Alan Smith","startTime":2596.84,"endTime":2599.9,"body":"fair game that we mentioned it,"},{"speaker":"Alan Smith","startTime":2596.84,"endTime":2599.9,"body":"we're not being personal. We're"},{"speaker":"Alan Smith","startTime":2599.9,"endTime":2603.5,"body":"not sort of singling out. Any"},{"speaker":"Alan Smith","startTime":2599.9,"endTime":2603.5,"body":"company in particular, there's a"},{"speaker":"Alan Smith","startTime":2603.5,"endTime":2605.66,"body":"lot of there's a hell of a lot"},{"speaker":"Alan Smith","startTime":2603.5,"endTime":2605.66,"body":"of good and positives that we"},{"speaker":"Alan Smith","startTime":2605.66,"endTime":2609.56,"body":"talked about. But I will have no"},{"speaker":"Alan Smith","startTime":2605.66,"endTime":2609.56,"body":"hesitation. If I see things and"},{"speaker":"Alan Smith","startTime":2609.56,"endTime":2612.65,"body":"an end of the day. It's just my"},{"speaker":"Alan Smith","startTime":2609.56,"endTime":2612.65,"body":"opinion, or our opinion, it may"},{"speaker":"Alan Smith","startTime":2612.65,"endTime":2614.6,"body":"be right and maybe wrong. But"},{"speaker":"Alan Smith","startTime":2612.65,"endTime":2614.6,"body":"that's that's all it is. And"},{"speaker":"Alan Smith","startTime":2614.6,"endTime":2618.32,"body":"everyone's entitled to their own"},{"speaker":"Alan Smith","startTime":2614.6,"endTime":2618.32,"body":"opinion. So I will continue. And"},{"speaker":"Alan Smith","startTime":2618.32,"endTime":2620.45,"body":"I'll certainly continue when I"},{"speaker":"Alan Smith","startTime":2618.32,"endTime":2620.45,"body":"see things that I just simply"},{"speaker":"Alan Smith","startTime":2620.45,"endTime":2624.14,"body":"don't agree with to highlight it"},{"speaker":"Alan Smith","startTime":2620.45,"endTime":2624.14,"body":"and say, Maybe we should be"},{"speaker":"Alan Smith","startTime":2624.14,"endTime":2624.8,"body":"doing something else."},{"speaker":"Carl Widger","startTime":2625.43,"endTime":2629.6,"body":"Perhaps though,"},{"speaker":"Carl Widger","startTime":2625.43,"endTime":2629.6,"body":"it's a valid point. Okay. So I"},{"speaker":"Carl Widger","startTime":2629.6,"endTime":2632.27,"body":"come from the point of somebody"},{"speaker":"Carl Widger","startTime":2629.6,"endTime":2632.27,"body":"said exactly the same thing to"},{"speaker":"Carl Widger","startTime":2632.27,"endTime":2636.68,"body":"me about that. Now infamous"},{"speaker":"Carl Widger","startTime":2632.27,"endTime":2636.68,"body":"article in the currency where"},{"speaker":"Carl Widger","startTime":2636.71,"endTime":2639.77,"body":"the headline was, card with your"},{"speaker":"Carl Widger","startTime":2636.71,"endTime":2639.77,"body":"financial planner says most"},{"speaker":"Carl Widger","startTime":2639.77,"endTime":2643.04,"body":"advisors are many advisors are"},{"speaker":"Carl Widger","startTime":2639.77,"endTime":2643.04,"body":"untrustworthy, and someone"},{"speaker":"Carl Widger","startTime":2643.04,"endTime":2646.43,"body":"challenged me on Be that as a"},{"speaker":"Carl Widger","startTime":2643.04,"endTime":2646.43,"body":"maker, would you not have been"},{"speaker":"Carl Widger","startTime":2646.43,"endTime":2650.45,"body":"better off talking about, you"},{"speaker":"Carl Widger","startTime":2646.43,"endTime":2650.45,"body":"know, how you do it, and how you"},{"speaker":"Carl Widger","startTime":2650.45,"endTime":2653.6,"body":"think is the best way of doing"},{"speaker":"Carl Widger","startTime":2650.45,"endTime":2653.6,"body":"it. And I had to stand back and"},{"speaker":"Carl Widger","startTime":2699.68,"endTime":2703.43,"body":"say, That is a very, very valid"},{"speaker":"Carl Widger","startTime":2699.68,"endTime":2703.43,"body":"point. And I'm actually doing a"},{"speaker":"Carl Widger","startTime":2703.43,"endTime":2706.94,"body":"presentation pretty free over"},{"speaker":"Carl Widger","startTime":2703.43,"endTime":2706.94,"body":"the next few weeks. And I'm"},{"speaker":"Carl Widger","startTime":2706.94,"endTime":2709.49,"body":"going to start with a picture of"},{"speaker":"Carl Widger","startTime":2706.94,"endTime":2709.49,"body":"that headline, and I'm gonna go"},{"speaker":"Carl Widger","startTime":2709.52,"endTime":2713.06,"body":"actually Genova that use the"},{"speaker":"Carl Widger","startTime":2709.52,"endTime":2713.06,"body":"Oprah Winfrey, the title of her"},{"speaker":"Carl Widger","startTime":2713.06,"endTime":2716.33,"body":"book, what I know for sure. And"},{"speaker":"Carl Widger","startTime":2713.06,"endTime":2716.33,"body":"talk about what my values and"},{"speaker":"Carl Widger","startTime":2716.33,"endTime":2720.0499999999997,"body":"beliefs are. So I think it's, I"},{"speaker":"Carl Widger","startTime":2716.33,"endTime":2720.0499999999997,"body":"think it's valid, but sorry,"},{"speaker":"Carl Widger","startTime":2720.0499999999997,"endTime":2723.83,"body":"they can Oh, you want to get in,"},{"speaker":"Carl Widger","startTime":2720.0499999999997,"endTime":2723.83,"body":"but there is a line. And it's"},{"speaker":"Carl Widger","startTime":2723.83,"endTime":2727.0699999999997,"body":"important not to cross it. So to"},{"speaker":"Carl Widger","startTime":2723.83,"endTime":2727.0699999999997,"body":"generally be more positive than"},{"speaker":"Carl Widger","startTime":2727.0699999999997,"endTime":2728.54,"body":"negative, I think, I think,"},{"speaker":"Carl Widger","startTime":2727.0699999999997,"endTime":2728.54,"body":"yeah,"},{"speaker":"Nick Lincoln","startTime":2729.049,"endTime":2731.629,"body":"I get that. I get"},{"speaker":"Nick Lincoln","startTime":2729.049,"endTime":2731.629,"body":"that. However, in the world of"},{"speaker":"Nick Lincoln","startTime":2731.629,"endTime":2734.5389999999998,"body":"wealth management, I wouldn't"},{"speaker":"Nick Lincoln","startTime":2731.629,"endTime":2734.5389999999998,"body":"imagine this any other industry"},{"speaker":"Nick Lincoln","startTime":2734.5389999999998,"endTime":2737.899,"body":"where there's so much grifting"},{"speaker":"Nick Lincoln","startTime":2734.5389999999998,"endTime":2737.899,"body":"that goes on in plain sight. And"},{"speaker":"Nick Lincoln","startTime":2737.929,"endTime":2740.509,"body":"I think we have to call it out,"},{"speaker":"Nick Lincoln","startTime":2737.929,"endTime":2740.509,"body":"you know, all it takes for evil"},{"speaker":"Nick Lincoln","startTime":2740.509,"endTime":2742.8489999999997,"body":"to thrive is for good people to"},{"speaker":"Nick Lincoln","startTime":2740.509,"endTime":2742.8489999999997,"body":"do nothing about it."},{"speaker":"Carl Widger","startTime":2743.27,"endTime":2745.85,"body":"Yeah, no, no, look,"},{"speaker":"Carl Widger","startTime":2743.27,"endTime":2745.85,"body":"I agree. And I've just used"},{"speaker":"Carl Widger","startTime":2745.88,"endTime":2748.7599999999998,"body":"profanity or Iran, which was"},{"speaker":"Carl Widger","startTime":2745.88,"endTime":2748.7599999999998,"body":"totally unplanned about active"},{"speaker":"Carl Widger","startTime":2748.7599999999998,"endTime":2750.98,"body":"fund management, because I'm"},{"speaker":"Carl Widger","startTime":2748.7599999999998,"endTime":2750.98,"body":"very, very passionate about it."},{"speaker":"Carl Widger","startTime":2750.98,"endTime":2755.54,"body":"Right. So I agree, and I will"},{"speaker":"Carl Widger","startTime":2750.98,"endTime":2755.54,"body":"continue to do that. However, we"},{"speaker":"Carl Widger","startTime":2755.5699999999997,"endTime":2757.7599999999998,"body":"sometimes you got to take the"},{"speaker":"Carl Widger","startTime":2755.5699999999997,"endTime":2757.7599999999998,"body":"feedback on board and go Yeah,"},{"speaker":"Carl Widger","startTime":2757.79,"endTime":2760.79,"body":"okay. I hear you and maybe we'll"},{"speaker":"Carl Widger","startTime":2757.79,"endTime":2760.79,"body":"focus on some of the positives."},{"speaker":"Carl Widger","startTime":2760.8199999999997,"endTime":2762.71,"body":"Let's as Nick shakes his"},{"speaker":"Nick Lincoln","startTime":2763.94,"endTime":2767.39,"body":"feedback on in"},{"speaker":"Nick Lincoln","startTime":2763.94,"endTime":2767.39,"body":"1993 and year four."},{"speaker":"Alan Smith","startTime":2768.92,"endTime":2770.69,"body":"Okay. Five minutes."},{"speaker":"Nick Lincoln","startTime":2771.2,"endTime":2774.98,"body":"Were it wasn't"},{"speaker":"Nick Lincoln","startTime":2771.2,"endTime":2774.98,"body":"that long. 45 minutes. I think"},{"speaker":"Nick Lincoln","startTime":2774.98,"endTime":2778.7,"body":"it's time we we Move on to the"},{"speaker":"Nick Lincoln","startTime":2774.98,"endTime":2778.7,"body":"meat and potatoes of episode 25"},{"speaker":"Nick Lincoln","startTime":2778.7,"endTime":2779.99,"body":"of the real advisor podcast."},{"speaker":"Andy Hart","startTime":2780.77,"endTime":2782.39,"body":"This one, gone?"},{"speaker":"Nick Lincoln","startTime":2783.08,"endTime":2784.97,"body":"No, no, please get"},{"speaker":"Nick Lincoln","startTime":2783.08,"endTime":2784.97,"body":"in touch with me now to crack on"},{"speaker":"Nick Lincoln","startTime":2784.97,"endTime":2785.87,"body":"and complete the job."},{"speaker":"Andy Hart","startTime":2789.5,"endTime":2790.64,"body":"Now over to you both."},{"speaker":"Nick Lincoln","startTime":2791.42,"endTime":2793.79,"body":"Brilliant."},{"speaker":"Nick Lincoln","startTime":2791.42,"endTime":2793.79,"body":"Brilliant. So we're in the dog"},{"speaker":"Nick Lincoln","startTime":2793.79,"endTime":2798.38,"body":"days of summer. And we're all I"},{"speaker":"Nick Lincoln","startTime":2793.79,"endTime":2798.38,"body":"imagine just taking it a little"},{"speaker":"Nick Lincoln","startTime":2798.38,"endTime":2801.56,"body":"bit easier now if only because"},{"speaker":"Nick Lincoln","startTime":2798.38,"endTime":2801.56,"body":"our clients are often doing"},{"speaker":"Nick Lincoln","startTime":2801.56,"endTime":2803.6,"body":"things with the money that we've"},{"speaker":"Nick Lincoln","startTime":2801.56,"endTime":2803.6,"body":"helped them accrue. In other"},{"speaker":"Nick Lincoln","startTime":2803.6,"endTime":2806.66,"body":"words, spend it on nice holidays"},{"speaker":"Nick Lincoln","startTime":2803.6,"endTime":2806.66,"body":"and going away with a family all"},{"speaker":"Nick Lincoln","startTime":2806.66,"endTime":2809.3599999999997,"body":"these value things his bucket"},{"speaker":"Nick Lincoln","startTime":2806.66,"endTime":2809.3599999999997,"body":"list things that were the word"},{"speaker":"Nick Lincoln","startTime":2809.3599999999997,"endTime":2812.5699999999997,"body":"that we're very positive about"},{"speaker":"Nick Lincoln","startTime":2809.3599999999997,"endTime":2812.5699999999997,"body":"because we're positive people"},{"speaker":"Nick Lincoln","startTime":2812.5699999999997,"endTime":2817.25,"body":"selling positive things. How do"},{"speaker":"Nick Lincoln","startTime":2812.5699999999997,"endTime":2817.25,"body":"we as advisors cope with the"},{"speaker":"Nick Lincoln","startTime":2817.2799999999997,"endTime":2821.69,"body":"summer months, two of us are one"},{"speaker":"Nick Lincoln","startTime":2817.2799999999997,"endTime":2821.69,"body":"man bands two of us are slightly"},{"speaker":"Nick Lincoln","startTime":2821.69,"endTime":2823.85,"body":"bigger than one man bands. We"},{"speaker":"Nick Lincoln","startTime":2821.69,"endTime":2823.85,"body":"all have different ways of"},{"speaker":"Nick Lincoln","startTime":2823.85,"endTime":2827.24,"body":"coping, as advisors and as"},{"speaker":"Nick Lincoln","startTime":2823.85,"endTime":2827.24,"body":"business owners with with the"},{"speaker":"Nick Lincoln","startTime":2827.42,"endTime":2832.4,"body":"long summer hiatus. Let's go"},{"speaker":"Nick Lincoln","startTime":2827.42,"endTime":2832.4,"body":"through this. And we'll start"},{"speaker":"Nick Lincoln","startTime":2832.4,"endTime":2835.79,"body":"with Mr. Hart. What are your"},{"speaker":"Nick Lincoln","startTime":2832.4,"endTime":2835.79,"body":"thoughts on how you survive and"},{"speaker":"Nick Lincoln","startTime":2835.79,"endTime":2837.44,"body":"thrive through this summer?"},{"speaker":"Andy Hart","startTime":2837.62,"endTime":2843.2,"body":"Yeah, so I try and"},{"speaker":"Andy Hart","startTime":2837.62,"endTime":2843.2,"body":"separate my year to block August"},{"speaker":"Andy Hart","startTime":2843.2,"endTime":2846.2,"body":"out my diary and generally the"},{"speaker":"Andy Hart","startTime":2843.2,"endTime":2846.2,"body":"last three weeks of December."},{"speaker":"Andy Hart","startTime":2846.56,"endTime":2848.8399999999997,"body":"Fortunately, in our business,"},{"speaker":"Andy Hart","startTime":2846.56,"endTime":2848.8399999999997,"body":"they're quiet months. That's"},{"speaker":"Andy Hart","startTime":2848.8399999999997,"endTime":2853.31,"body":"what I found anyway, being so no"},{"speaker":"Andy Hart","startTime":2848.8399999999997,"endTime":2853.31,"body":"advisor. So I try and get all my"},{"speaker":"Andy Hart","startTime":2853.31,"endTime":2855.83,"body":"annual planning meetings done"},{"speaker":"Andy Hart","startTime":2853.31,"endTime":2855.83,"body":"between January and March and"},{"speaker":"Andy Hart","startTime":2855.83,"endTime":2859.04,"body":"then just do ad hoc stuff. After"},{"speaker":"Andy Hart","startTime":2855.83,"endTime":2859.04,"body":"that, I obviously run a training"},{"speaker":"Andy Hart","startTime":2859.04,"endTime":2861.17,"body":"business and do loads of other"},{"speaker":"Andy Hart","startTime":2859.04,"endTime":2861.17,"body":"stuff. So again, I just block"},{"speaker":"Andy Hart","startTime":2861.17,"endTime":2864.17,"body":"out my diary in August. We're"},{"speaker":"Andy Hart","startTime":2861.17,"endTime":2864.17,"body":"early into August nor and I'm"},{"speaker":"Andy Hart","startTime":2864.17,"endTime":2866.66,"body":"already somewhat a little bit"},{"speaker":"Andy Hart","startTime":2864.17,"endTime":2866.66,"body":"bored. I've already been to the"},{"speaker":"Andy Hart","startTime":2866.66,"endTime":2869.27,"body":"Cotswolds with my family. And"},{"speaker":"Andy Hart","startTime":2866.66,"endTime":2869.27,"body":"I'm going to be going to Spain"},{"speaker":"Andy Hart","startTime":2869.27,"endTime":2870.95,"body":"with a few other people and"},{"speaker":"Andy Hart","startTime":2869.27,"endTime":2870.95,"body":"various other things. So I've"},{"speaker":"Andy Hart","startTime":2870.95,"endTime":2875.75,"body":"got stuff in the diary. But I'm"},{"speaker":"Andy Hart","startTime":2870.95,"endTime":2875.75,"body":"obviously just allowing that you"},{"speaker":"Andy Hart","startTime":2875.75,"endTime":2878.69,"body":"know, just just keeping on top"},{"speaker":"Andy Hart","startTime":2875.75,"endTime":2878.69,"body":"of things as it were watering"},{"speaker":"Andy Hart","startTime":2878.69,"endTime":2881.8399999999997,"body":"the garden as they say, I'm"},{"speaker":"Andy Hart","startTime":2878.69,"endTime":2881.8399999999997,"body":"fortunate I've got a roundabout"},{"speaker":"Andy Hart","startTime":2881.8399999999997,"endTime":2885.47,"body":"40 ongoing family. So it's not a"},{"speaker":"Andy Hart","startTime":2881.8399999999997,"endTime":2885.47,"body":"huge business. And I can use"},{"speaker":"Andy Hart","startTime":2885.47,"endTime":2888.65,"body":"tech and I've got a great team"},{"speaker":"Andy Hart","startTime":2885.47,"endTime":2888.65,"body":"and that sort of stuff. I"},{"speaker":"Andy Hart","startTime":2888.65,"endTime":2891.3199999999997,"body":"generally don't put an out of"},{"speaker":"Andy Hart","startTime":2888.65,"endTime":2891.3199999999997,"body":"office on I found I find that"},{"speaker":"Andy Hart","startTime":2891.3199999999997,"endTime":2895.2799999999997,"body":"out of offices a bit cringy I'll"},{"speaker":"Andy Hart","startTime":2891.3199999999997,"endTime":2895.2799999999997,"body":"talk about the humble brag out"},{"speaker":"Andy Hart","startTime":2895.2799999999997,"endTime":2899.9,"body":"of office, if anyone's doing it,"},{"speaker":"Andy Hart","startTime":2895.2799999999997,"endTime":2899.9,"body":"continue to do or whatnot. So I"},{"speaker":"Andy Hart","startTime":2899.9,"endTime":2902.0299999999997,"body":"spend a lot of emails, hundreds"},{"speaker":"Andy Hart","startTime":2899.9,"endTime":2902.0299999999997,"body":"of emails every single month I"},{"speaker":"Andy Hart","startTime":2902.0299999999997,"endTime":2905.45,"body":"send an email to someone I get"},{"speaker":"Andy Hart","startTime":2902.0299999999997,"endTime":2905.45,"body":"an automatic bounce back I lows,"},{"speaker":"Andy Hart","startTime":2905.45,"endTime":2908.48,"body":"we call them out of offices, and"},{"speaker":"Andy Hart","startTime":2905.45,"endTime":2908.48,"body":"it's humblebrag. You know, I'm"},{"speaker":"Andy Hart","startTime":2908.48,"endTime":2913.19,"body":"recharging my batteries in Fiji"},{"speaker":"Andy Hart","startTime":2908.48,"endTime":2913.19,"body":"with my close friends or"},{"speaker":"Andy Hart","startTime":2913.19,"endTime":2917.81,"body":"whatever. You know, I'm spending"},{"speaker":"Andy Hart","startTime":2913.19,"endTime":2917.81,"body":"quality time in my family. And I"},{"speaker":"Andy Hart","startTime":2917.81,"endTime":2920.66,"body":"think well, that's, that's quite"},{"speaker":"Andy Hart","startTime":2917.81,"endTime":2920.66,"body":"enviable. Five minutes later,"},{"speaker":"Andy Hart","startTime":2920.66,"endTime":2923.8399999999997,"body":"they send me a reply, you know,"},{"speaker":"Andy Hart","startTime":2920.66,"endTime":2923.8399999999997,"body":"so they've done this humblebrag"},{"speaker":"Andy Hart","startTime":2923.8399999999997,"endTime":2926.21,"body":"out of office intention. And"},{"speaker":"Andy Hart","startTime":2923.8399999999997,"endTime":2926.21,"body":"then five minutes later, they"},{"speaker":"Andy Hart","startTime":2926.21,"endTime":2928.43,"body":"mean Yeah, Randy. Also, I want"},{"speaker":"Andy Hart","startTime":2926.21,"endTime":2928.43,"body":"to get back and I think I"},{"speaker":"Andy Hart","startTime":2928.43,"endTime":2930.5299999999997,"body":"thought you're ready for three"},{"speaker":"Andy Hart","startTime":2928.43,"endTime":2930.5299999999997,"body":"weeks in Fiji. Why you emailed"},{"speaker":"Andy Hart","startTime":2930.5299999999997,"endTime":2933.35,"body":"me back within five minutes. If"},{"speaker":"Andy Hart","startTime":2930.5299999999997,"endTime":2933.35,"body":"it's genuine, I'm away for three"},{"speaker":"Andy Hart","startTime":2933.35,"endTime":2935.12,"body":"weeks, and I'll email you three"},{"speaker":"Andy Hart","startTime":2933.35,"endTime":2935.12,"body":"weeks. I think that's fine, you"},{"speaker":"Andy Hart","startTime":2935.12,"endTime":2938.99,"body":"know. So yeah, it's a quite a"},{"speaker":"Andy Hart","startTime":2935.12,"endTime":2938.99,"body":"funny, these are humble brag out"},{"speaker":"Andy Hart","startTime":2938.99,"endTime":2941.63,"body":"of offices. So now I don't put"},{"speaker":"Andy Hart","startTime":2938.99,"endTime":2941.63,"body":"an out of office on and on sort"},{"speaker":"Andy Hart","startTime":2941.63,"endTime":2944.45,"body":"of there for my clients. I don't"},{"speaker":"Andy Hart","startTime":2941.63,"endTime":2944.45,"body":"even really tell my clients. I'm"},{"speaker":"Andy Hart","startTime":2944.45,"endTime":2948.74,"body":"not doing much in August,"},{"speaker":"Andy Hart","startTime":2944.45,"endTime":2948.74,"body":"obviously, I'm around. See"},{"speaker":"Andy Hart","startTime":2948.74,"endTime":2951.65,"body":"anything important will be dealt"},{"speaker":"Andy Hart","startTime":2948.74,"endTime":2951.65,"body":"with. I've got sort of three"},{"speaker":"Andy Hart","startTime":2951.65,"endTime":2955.7,"body":"potential ongoing clients to"},{"speaker":"Andy Hart","startTime":2951.65,"endTime":2955.7,"body":"take on board. I've pushed all"},{"speaker":"Andy Hart","startTime":2955.7,"endTime":2958.85,"body":"three of them to September and"},{"speaker":"Andy Hart","startTime":2955.7,"endTime":2958.85,"body":"they're fine with that. Yes,"},{"speaker":"Andy Hart","startTime":2958.85,"endTime":2961.6099999999997,"body":"that's it. Really. That's my"},{"speaker":"Andy Hart","startTime":2958.85,"endTime":2961.6099999999997,"body":"starter for 10. Who's next?"},{"speaker":"Nick Lincoln","startTime":2962.69,"endTime":2964.2799999999997,"body":"Mr. Smith, Mr."},{"speaker":"Nick Lincoln","startTime":2962.69,"endTime":2964.2799999999997,"body":"Smith is coming at it from a"},{"speaker":"Nick Lincoln","startTime":2964.2799999999997,"endTime":2967.4,"body":"slightly bigger, bigger"},{"speaker":"Nick Lincoln","startTime":2964.2799999999997,"endTime":2967.4,"body":"operation, more personnel more"},{"speaker":"Nick Lincoln","startTime":2967.43,"endTime":2970.64,"body":"more things to juggle but also I"},{"speaker":"Nick Lincoln","startTime":2967.43,"endTime":2970.64,"body":"think, and the you will disabuse"},{"speaker":"Nick Lincoln","startTime":2970.64,"endTime":2973.43,"body":"me if I'm wrong, Anna gives you"},{"speaker":"Nick Lincoln","startTime":2970.64,"endTime":2973.43,"body":"the chance to just delegate and"},{"speaker":"Nick Lincoln","startTime":2973.43,"endTime":2976.04,"body":"you can truly not not be"},{"speaker":"Nick Lincoln","startTime":2973.43,"endTime":2976.04,"body":"involved in the business while"},{"speaker":"Nick Lincoln","startTime":2976.04,"endTime":2977.75,"body":"you're spending a couple of"},{"speaker":"Nick Lincoln","startTime":2976.04,"endTime":2977.75,"body":"weeks in Turkey or what have"},{"speaker":"Nick Lincoln","startTime":2977.75,"endTime":2977.93,"body":"you."},{"speaker":"Alan Smith","startTime":2978.14,"endTime":2981.2599999999998,"body":"Well, yeah, exactly"},{"speaker":"Alan Smith","startTime":2978.14,"endTime":2981.2599999999998,"body":"I am. Unfortunately, I've got a"},{"speaker":"Alan Smith","startTime":2981.3199999999997,"endTime":2984.2,"body":"fantastic team, it's a self"},{"speaker":"Alan Smith","startTime":2981.3199999999997,"endTime":2984.2,"body":"managing business, it doesn't"},{"speaker":"Alan Smith","startTime":2984.2,"endTime":2987.65,"body":"really need me and often thrives"},{"speaker":"Alan Smith","startTime":2984.2,"endTime":2987.65,"body":"and does far better when I'm"},{"speaker":"Alan Smith","startTime":2987.74,"endTime":2991.46,"body":"around. But I that's why I"},{"speaker":"Alan Smith","startTime":2987.74,"endTime":2991.46,"body":"wanted to talk about this"},{"speaker":"Alan Smith","startTime":2991.46,"endTime":2993.83,"body":"because I don't think I've"},{"speaker":"Alan Smith","startTime":2991.46,"endTime":2993.83,"body":"really got this nailed. And I've"},{"speaker":"Alan Smith","startTime":2993.83,"endTime":2997.04,"body":"just as I mentioned already,"},{"speaker":"Alan Smith","startTime":2993.83,"endTime":2997.04,"body":"I've just I've taken the anti UK"},{"speaker":"Alan Smith","startTime":2997.04,"endTime":3000.7599999999998,"body":"EU sort of focus on August, I"},{"speaker":"Alan Smith","startTime":2997.04,"endTime":3000.7599999999998,"body":"tend to take July off as soon as"},{"speaker":"Alan Smith","startTime":3000.7599999999998,"endTime":3005.5899999999997,"body":"the school holidays starts my"},{"speaker":"Alan Smith","startTime":3000.7599999999998,"endTime":3005.5899999999997,"body":"kids schools break out I think"},{"speaker":"Alan Smith","startTime":3005.62,"endTime":3009.7,"body":"and as soon as soon as they are"},{"speaker":"Alan Smith","startTime":3005.62,"endTime":3009.7,"body":"the same as the day or the day"},{"speaker":"Alan Smith","startTime":3009.7,"endTime":3013.66,"body":"after we just take off because"},{"speaker":"Alan Smith","startTime":3009.7,"endTime":3013.66,"body":"it's a bit quieter in early"},{"speaker":"Alan Smith","startTime":3013.66,"endTime":3018.94,"body":"July. And obviously got a kind"},{"speaker":"Alan Smith","startTime":3013.66,"endTime":3018.94,"body":"of an annual routine to do you"},{"speaker":"Alan Smith","startTime":3018.94,"endTime":3021.46,"body":"know, you're with somewhere"},{"speaker":"Alan Smith","startTime":3018.94,"endTime":3021.46,"body":"warm, like like turkey that I've"},{"speaker":"Alan Smith","startTime":3021.46,"endTime":3024.19,"body":"mentioned and I've just been up"},{"speaker":"Alan Smith","startTime":3021.46,"endTime":3024.19,"body":"to Scotland and seen the folks"},{"speaker":"Alan Smith","startTime":3024.19,"endTime":3027.73,"body":"and seen all the relatives and"},{"speaker":"Alan Smith","startTime":3024.19,"endTime":3027.73,"body":"all the rest of it. And so I've"},{"speaker":"Alan Smith","startTime":3027.73,"endTime":3030.6099999999997,"body":"had the best part of have a"},{"speaker":"Alan Smith","startTime":3027.73,"endTime":3030.6099999999997,"body":"month off but I'm like you I"},{"speaker":"Alan Smith","startTime":3030.6099999999997,"endTime":3035.38,"body":"don't put an office on. But by"},{"speaker":"Alan Smith","startTime":3030.6099999999997,"endTime":3035.38,"body":"the same token, I don't really"},{"speaker":"Alan Smith","startTime":3035.38,"endTime":3040.27,"body":"check my emails every day. And"},{"speaker":"Alan Smith","startTime":3035.38,"endTime":3040.27,"body":"that that can lead to people you"},{"speaker":"Alan Smith","startTime":3040.27,"endTime":3042.31,"body":"know, sending emails expecting a"},{"speaker":"Alan Smith","startTime":3040.27,"endTime":3042.31,"body":"reply because they haven't had"},{"speaker":"Alan Smith","startTime":3042.31,"endTime":3045.5499999999997,"body":"an out of office from me and"},{"speaker":"Alan Smith","startTime":3042.31,"endTime":3045.5499999999997,"body":"it's it's kind of a worst of all"},{"speaker":"Alan Smith","startTime":3045.5499999999997,"endTime":3049.0299999999997,"body":"worlds. And what I really should"},{"speaker":"Alan Smith","startTime":3045.5499999999997,"endTime":3049.0299999999997,"body":"do is just just close it out"},{"speaker":"Alan Smith","startTime":3049.0299999999997,"endTime":3051.3399999999997,"body":"completely and just you know"},{"speaker":"Alan Smith","startTime":3049.0299999999997,"endTime":3051.3399999999997,"body":"have an out of office just it"},{"speaker":"Alan Smith","startTime":3051.3399999999997,"endTime":3055.21,"body":"probably wouldn't be a humble"},{"speaker":"Alan Smith","startTime":3051.3399999999997,"endTime":3055.21,"body":"brag, just say I'm away I'm on"},{"speaker":"Alan Smith","startTime":3055.21,"endTime":3057.5499999999997,"body":"holiday, we'll be back on that,"},{"speaker":"Alan Smith","startTime":3055.21,"endTime":3057.5499999999997,"body":"you know, first of August or"},{"speaker":"Alan Smith","startTime":3057.5499999999997,"endTime":3060.52,"body":"whatever it might be and then"},{"speaker":"Alan Smith","startTime":3057.5499999999997,"endTime":3060.52,"body":"just but the challenge is"},{"speaker":"Alan Smith","startTime":3060.5499999999997,"endTime":3064.93,"body":"honestly this is this is the big"},{"speaker":"Alan Smith","startTime":3060.5499999999997,"endTime":3064.93,"body":"sort of issue or dilemma in that"},{"speaker":"Alan Smith","startTime":3065.56,"endTime":3068.98,"body":"I don't find it's no big deal"},{"speaker":"Alan Smith","startTime":3065.56,"endTime":3068.98,"body":"for me checking my emails or"},{"speaker":"Alan Smith","startTime":3069.04,"endTime":3071.38,"body":"keep in touch man to use the"},{"speaker":"Alan Smith","startTime":3069.04,"endTime":3071.38,"body":"phrase before just sort of"},{"speaker":"Alan Smith","startTime":3071.38,"endTime":3073.7799999999997,"body":"pruning pruning the garden just"},{"speaker":"Alan Smith","startTime":3071.38,"endTime":3073.7799999999997,"body":"I'm not going to sort of do a"},{"speaker":"Alan Smith","startTime":3073.7799999999997,"endTime":3077.14,"body":"complete over I'm not gonna"},{"speaker":"Alan Smith","startTime":3073.7799999999997,"endTime":3077.14,"body":"reply to Big long complicated"},{"speaker":"Alan Smith","startTime":3077.14,"endTime":3079.72,"body":"emails but if there's a few"},{"speaker":"Alan Smith","startTime":3077.14,"endTime":3079.72,"body":"things I could just look at ping"},{"speaker":"Alan Smith","startTime":3079.72,"endTime":3083.83,"body":"and reply back. Similarly"},{"speaker":"Alan Smith","startTime":3079.72,"endTime":3083.83,"body":"WhatsApp I mean, I don't know my"},{"speaker":"Alan Smith","startTime":3083.83,"endTime":3087.0699999999997,"body":"life is so intrinsically wrapped"},{"speaker":"Alan Smith","startTime":3083.83,"endTime":3087.0699999999997,"body":"up with business and life and"},{"speaker":"Alan Smith","startTime":3087.0699999999997,"endTime":3090.97,"body":"then some people WhatsApp me"},{"speaker":"Alan Smith","startTime":3087.0699999999997,"endTime":3090.97,"body":"people text me I post something"},{"speaker":"Alan Smith","startTime":3090.97,"endTime":3094.06,"body":"I see something I'll be sort of"},{"speaker":"Alan Smith","startTime":3090.97,"endTime":3094.06,"body":"lying by some input I might post"},{"speaker":"Alan Smith","startTime":3094.06,"endTime":3096.94,"body":"something on LinkedIn it's not"},{"speaker":"Alan Smith","startTime":3094.06,"endTime":3096.94,"body":"the end of the world for me. So"},{"speaker":"Alan Smith","startTime":3096.94,"endTime":3100.21,"body":"I don't just I don't really"},{"speaker":"Alan Smith","startTime":3096.94,"endTime":3100.21,"body":"close down completely I mean, I"},{"speaker":"Alan Smith","startTime":3100.21,"endTime":3104.95,"body":"did a bloody trap podcast from"},{"speaker":"Alan Smith","startTime":3100.21,"endTime":3104.95,"body":"holiday Yeah, please release to"},{"speaker":"Alan Smith","startTime":3104.95,"endTime":3107.5,"body":"know that there's no faulty fire"},{"speaker":"Alan Smith","startTime":3104.95,"endTime":3107.5,"body":"alarm"},{"speaker":"Nick Lincoln","startTime":3110.08,"endTime":3111.67,"body":"so I just"},{"speaker":"Nick Lincoln","startTime":3110.08,"endTime":3111.67,"body":"attributed that I read a read a"},{"speaker":"Nick Lincoln","startTime":3111.67,"endTime":3114.04,"body":"review this annual read out the"},{"speaker":"Nick Lincoln","startTime":3111.67,"endTime":3114.04,"body":"coming weeks by some guy who's"},{"speaker":"Nick Lincoln","startTime":3114.04,"endTime":3118.15,"body":"listening to the show. Check out"},{"speaker":"Nick Lincoln","startTime":3114.04,"endTime":3118.15,"body":"his house for fire alarms."},{"speaker":"Nick Lincoln","startTime":3118.15,"endTime":3121.12,"body":"Anybody got a car and listen to"},{"speaker":"Nick Lincoln","startTime":3118.15,"endTime":3121.12,"body":"the podcast? He will nobody"},{"speaker":"Nick Lincoln","startTime":3121.12,"endTime":3124.8399999999997,"body":"recording point on emails, could"},{"speaker":"Nick Lincoln","startTime":3121.12,"endTime":3124.8399999999997,"body":"you not me, what I would"},{"speaker":"Nick Lincoln","startTime":3124.8399999999997,"endTime":3127.12,"body":"consider doing in your situation"},{"speaker":"Nick Lincoln","startTime":3124.8399999999997,"endTime":3127.12,"body":"is just for the month or so that"},{"speaker":"Nick Lincoln","startTime":3127.12,"endTime":3129.58,"body":"you don't want to be checking"},{"speaker":"Nick Lincoln","startTime":3127.12,"endTime":3129.58,"body":"your emails? Yeah, it's just"},{"speaker":"Nick Lincoln","startTime":3129.58,"endTime":3132.4,"body":"sort of a rule in Outlook or"},{"speaker":"Nick Lincoln","startTime":3129.58,"endTime":3132.4,"body":"whatever you use to to forward"},{"speaker":"Nick Lincoln","startTime":3132.4,"endTime":3134.8599999999997,"body":"all your email to someone in the"},{"speaker":"Nick Lincoln","startTime":3132.4,"endTime":3134.8599999999997,"body":"team that you trust. Yeah. And"},{"speaker":"Nick Lincoln","startTime":3134.8599999999997,"endTime":3137.71,"body":"just send us if something comes"},{"speaker":"Nick Lincoln","startTime":3134.8599999999997,"endTime":3137.71,"body":"up. I trust your discretion that"},{"speaker":"Nick Lincoln","startTime":3137.71,"endTime":3141.13,"body":"you'll come to me. If something"},{"speaker":"Nick Lincoln","startTime":3137.71,"endTime":3141.13,"body":"in my inbox needs to turn that"},{"speaker":"Nick Lincoln","startTime":3141.13,"endTime":3143.17,"body":"way. You don't have to look at"},{"speaker":"Nick Lincoln","startTime":3141.13,"endTime":3143.17,"body":"you know, don't get drawn into"},{"speaker":"Nick Lincoln","startTime":3143.17,"endTime":3144.0699999999997,"body":"that. Looking at your email. He"},{"speaker":"Andy Hart","startTime":3144.069,"endTime":3145.569,"body":"was saying he's not"},{"speaker":"Andy Hart","startTime":3144.069,"endTime":3145.569,"body":"really that bothered about"},{"speaker":"Andy Hart","startTime":3145.569,"endTime":3150.339,"body":"checking his emails, you know,"},{"speaker":"Andy Hart","startTime":3145.569,"endTime":3150.339,"body":"pre pre spy about three months."},{"speaker":"Andy Hart","startTime":3150.549,"endTime":3152.529,"body":"All right, pre kids eyes. We"},{"speaker":"Andy Hart","startTime":3150.549,"endTime":3152.529,"body":"were about three months of the"},{"speaker":"Andy Hart","startTime":3152.529,"endTime":3154.719,"body":"year. I wasn't too bothered"},{"speaker":"Andy Hart","startTime":3152.529,"endTime":3154.719,"body":"sitting there. You know, having"},{"speaker":"Andy Hart","startTime":3154.719,"endTime":3157.569,"body":"a beer, checking my emails"},{"speaker":"Andy Hart","startTime":3154.719,"endTime":3157.569,"body":"replying to important stuff. I"},{"speaker":"Andy Hart","startTime":3157.569,"endTime":3160.5989999999997,"body":"might use a bit. It's a bit"},{"speaker":"Andy Hart","startTime":3157.569,"endTime":3160.5989999999997,"body":"merged. You have to control it,"},{"speaker":"Andy Hart","startTime":3160.5989999999997,"endTime":3165.009,"body":"though. Yeah, I mean, on my, my"},{"speaker":"Andy Hart","startTime":3160.5989999999997,"endTime":3165.009,"body":"iPhone, I generally have emails"},{"speaker":"Andy Hart","startTime":3165.009,"endTime":3167.199,"body":"switched off, I've got to go"},{"speaker":"Andy Hart","startTime":3165.009,"endTime":3167.199,"body":"into the Gmail app and turn them"},{"speaker":"Andy Hart","startTime":3167.199,"endTime":3169.179,"body":"all on. Seems like an extra"},{"speaker":"Andy Hart","startTime":3167.199,"endTime":3169.179,"body":"yeah,"},{"speaker":"Alan Smith","startTime":3169.18,"endTime":3171.0699999999997,"body":"that's, that's,"},{"speaker":"Alan Smith","startTime":3169.18,"endTime":3171.0699999999997,"body":"that's the good thing. Because"},{"speaker":"Alan Smith","startTime":3171.1,"endTime":3175.5099999999998,"body":"it's, it's so easy as you say,"},{"speaker":"Alan Smith","startTime":3171.1,"endTime":3175.5099999999998,"body":"like sitting in the hotel bar or"},{"speaker":"Alan Smith","startTime":3175.5099999999998,"endTime":3178.45,"body":"whatever, and just just just"},{"speaker":"Alan Smith","startTime":3175.5099999999998,"endTime":3178.45,"body":"just flicking through your phone"},{"speaker":"Alan Smith","startTime":3178.45,"endTime":3179.35,"body":"isn't and you certainly"},{"speaker":"Andy Hart","startTime":3179.35,"endTime":3181.63,"body":"don't want to check"},{"speaker":"Andy Hart","startTime":3179.35,"endTime":3181.63,"body":"email in late night and you get"},{"speaker":"Andy Hart","startTime":3181.63,"endTime":3184.6,"body":"a grenade in from a client."},{"speaker":"Andy Hart","startTime":3181.63,"endTime":3184.6,"body":"That's a real nightmare to do."},{"speaker":"Andy Hart","startTime":3184.87,"endTime":3187.96,"body":"Just literally can't sleep then."},{"speaker":"Andy Hart","startTime":3184.87,"endTime":3187.96,"body":"And he thinking Why have they?"},{"speaker":"Andy Hart","startTime":3188.23,"endTime":3191.02,"body":"They say they're usually a"},{"speaker":"Andy Hart","startTime":3188.23,"endTime":3191.02,"body":"bloke? Why are they emailed me"},{"speaker":"Andy Hart","startTime":3191.02,"endTime":3193.96,"body":"that at that time? You know, now"},{"speaker":"Andy Hart","startTime":3191.02,"endTime":3193.96,"body":"it's just stress for me to think"},{"speaker":"Andy Hart","startTime":3193.96,"endTime":3195.91,"body":"about it, then you got to try"},{"speaker":"Andy Hart","startTime":3193.96,"endTime":3195.91,"body":"and piece together your answers."},{"speaker":"Andy Hart","startTime":3196.0899999999997,"endTime":3198.43,"body":"I mean, it's nothing like"},{"speaker":"Andy Hart","startTime":3196.0899999999997,"endTime":3198.43,"body":"groundbreaking, the awful but"},{"speaker":"Andy Hart","startTime":3198.43,"endTime":3201.19,"body":"it's just a minor grenade into"},{"speaker":"Andy Hart","startTime":3198.43,"endTime":3201.19,"body":"the business yet then"},{"speaker":"Alan Smith","startTime":3201.88,"endTime":3205.2999999999997,"body":"the other thing is"},{"speaker":"Alan Smith","startTime":3201.88,"endTime":3205.2999999999997,"body":"getting in. I mean, when I was"},{"speaker":"Alan Smith","startTime":3205.33,"endTime":3209.08,"body":"away, we I certainly had a"},{"speaker":"Alan Smith","startTime":3205.33,"endTime":3209.08,"body":"couple of sort of new"},{"speaker":"Alan Smith","startTime":3209.08,"endTime":3212.14,"body":"prospective client inquiries."},{"speaker":"Alan Smith","startTime":3209.08,"endTime":3212.14,"body":"Now it wouldn't be the end of"},{"speaker":"Alan Smith","startTime":3212.14,"endTime":3214.6,"body":"the world. If they got a bounce"},{"speaker":"Alan Smith","startTime":3212.14,"endTime":3214.6,"body":"back from me today. And I'm away"},{"speaker":"Alan Smith","startTime":3214.6,"endTime":3218.08,"body":"for a couple of weeks. I'm sure"},{"speaker":"Alan Smith","startTime":3214.6,"endTime":3218.08,"body":"they would have waited, replied"},{"speaker":"Alan Smith","startTime":3218.08,"endTime":3220.18,"body":"and got back. But I was quite"},{"speaker":"Alan Smith","startTime":3218.08,"endTime":3220.18,"body":"keen. I thought, well, that's"},{"speaker":"Alan Smith","startTime":3220.18,"endTime":3222.5499999999997,"body":"great. That's good. I just"},{"speaker":"Alan Smith","startTime":3220.18,"endTime":3222.5499999999997,"body":"reply, get somebody to give them"},{"speaker":"Alan Smith","startTime":3222.6099999999997,"endTime":3224.62,"body":"give them a call, just keep the"},{"speaker":"Alan Smith","startTime":3222.6099999999997,"endTime":3224.62,"body":"whole get the whole machine"},{"speaker":"Alan Smith","startTime":3224.62,"endTime":3229.0,"body":"moving forward. already do. So I"},{"speaker":"Alan Smith","startTime":3224.62,"endTime":3229.0,"body":"In summary, I haven't nailed"},{"speaker":"Alan Smith","startTime":3229.0,"endTime":3232.2999999999997,"body":"this at all, I've got this kind"},{"speaker":"Alan Smith","startTime":3229.0,"endTime":3232.2999999999997,"body":"of blended approach. And then on"},{"speaker":"Alan Smith","startTime":3232.2999999999997,"endTime":3235.33,"body":"reflection, I think I'd like to"},{"speaker":"Alan Smith","startTime":3232.2999999999997,"endTime":3235.33,"body":"at least like close down"},{"speaker":"Alan Smith","startTime":3235.33,"endTime":3238.9,"body":"completely for a week or 10"},{"speaker":"Alan Smith","startTime":3235.33,"endTime":3238.9,"body":"days. And just did not check"},{"speaker":"Alan Smith","startTime":3238.9,"endTime":3242.47,"body":"anything not as you send it"},{"speaker":"Alan Smith","startTime":3238.9,"endTime":3242.47,"body":"forward emails or just if that"},{"speaker":"Alan Smith","startTime":3242.47,"endTime":3244.21,"body":"is the case, then you can have"},{"speaker":"Alan Smith","startTime":3242.47,"endTime":3244.21,"body":"an out of office on that's"},{"speaker":"Alan Smith","startTime":3244.21,"endTime":3246.31,"body":"genuine. And then you know,"},{"speaker":"Alan Smith","startTime":3244.21,"endTime":3246.31,"body":"ideally,"},{"speaker":"Andy Hart","startTime":3246.4,"endTime":3249.46,"body":"don't check it. But"},{"speaker":"Andy Hart","startTime":3246.4,"endTime":3249.46,"body":"yeah, if anything is super if"},{"speaker":"Andy Hart","startTime":3249.46,"endTime":3251.77,"body":"anything super important. People"},{"speaker":"Andy Hart","startTime":3249.46,"endTime":3251.77,"body":"have got your back number and"},{"speaker":"Andy Hart","startTime":3251.77,"endTime":3255.13,"body":"they and Yeah, exactly. The joke"},{"speaker":"Andy Hart","startTime":3251.77,"endTime":3255.13,"body":"is what is it? You do Andy? I"},{"speaker":"Andy Hart","startTime":3255.13,"endTime":3257.56,"body":"live my life and WhatsApp. I'm a"},{"speaker":"Andy Hart","startTime":3255.13,"endTime":3257.56,"body":"financial advisor and oh my"},{"speaker":"Andy Hart","startTime":3257.56,"endTime":3259.66,"body":"money you know, I'm on frickin"},{"speaker":"Andy Hart","startTime":3257.56,"endTime":3259.66,"body":"WhatsApp the whole freaking"},{"speaker":"Andy Hart","startTime":3259.66,"endTime":3263.74,"body":"time. Sorry,"},{"speaker":"Nick Lincoln","startTime":3264.549,"endTime":3266.769,"body":"Zinger one liner."},{"speaker":"Nick Lincoln","startTime":3264.549,"endTime":3266.769,"body":"That's that's, that's a wicked"},{"speaker":"Nick Lincoln","startTime":3266.769,"endTime":3267.189,"body":"joke."},{"speaker":"Alan Smith","startTime":3268.0,"endTime":3271.21,"body":"Yeah, call widget"},{"speaker":"Alan Smith","startTime":3268.0,"endTime":3271.21,"body":"call which has got a view on"},{"speaker":"Alan Smith","startTime":3271.21,"endTime":3271.39,"body":"that's"},{"speaker":"Andy Hart","startTime":3271.39,"endTime":3271.99,"body":"all No."},{"speaker":"Alan Smith","startTime":3272.77,"endTime":3276.13,"body":"Call. Haven't you"},{"speaker":"Alan Smith","startTime":3272.77,"endTime":3276.13,"body":"got a view? On humble brags, and"},{"speaker":"Alan Smith","startTime":3276.13,"endTime":3277.21,"body":"out of office messages?"},{"speaker":"Carl Widger","startTime":3277.63,"endTime":3282.3399999999997,"body":"I do. Think they're"},{"speaker":"Carl Widger","startTime":3277.63,"endTime":3282.3399999999997,"body":"a good idea. Let's hear it. So,"},{"speaker":"Carl Widger","startTime":3282.94,"endTime":3286.96,"body":"first thing to say when I go"},{"speaker":"Carl Widger","startTime":3282.94,"endTime":3286.96,"body":"with my kids, I do not bring my"},{"speaker":"Carl Widger","startTime":3286.96,"endTime":3292.12,"body":"laptop. I turn off all"},{"speaker":"Carl Widger","startTime":3286.96,"endTime":3292.12,"body":"notifications. Do you have a"},{"speaker":"Carl Widger","startTime":3292.12,"endTime":3298.27,"body":"laptop? So so so for the people"},{"speaker":"Carl Widger","startTime":3292.12,"endTime":3298.27,"body":"listening in? The guys are"},{"speaker":"Carl Widger","startTime":3298.27,"endTime":3300.64,"body":"always like that I don't have a"},{"speaker":"Carl Widger","startTime":3298.27,"endTime":3300.64,"body":"laptop because I never bring it"},{"speaker":"Carl Widger","startTime":3300.64,"endTime":3302.77,"body":"with me. Because I'm like, I'm"},{"speaker":"Carl Widger","startTime":3300.64,"endTime":3302.77,"body":"sure he"},{"speaker":"Nick Lincoln","startTime":3302.77,"endTime":3304.7799999999997,"body":"has a laptop and"},{"speaker":"Nick Lincoln","startTime":3302.77,"endTime":3304.7799999999997,"body":"never leaves his desk."},{"speaker":"Carl Widger","startTime":3307.5099999999998,"endTime":3310.3599999999997,"body":"I do. I do have to"},{"speaker":"Carl Widger","startTime":3307.5099999999998,"endTime":3310.3599999999997,"body":"work from home sometimes and I"},{"speaker":"Carl Widger","startTime":3310.3599999999997,"endTime":3316.69,"body":"have on the road a lot. But I"},{"speaker":"Carl Widger","startTime":3310.3599999999997,"endTime":3316.69,"body":"put on out of office and I I"},{"speaker":"Carl Widger","startTime":3316.69,"endTime":3321.58,"body":"have I used to put in more"},{"speaker":"Carl Widger","startTime":3316.69,"endTime":3321.58,"body":"detail on it. And I maybe do it"},{"speaker":"Carl Widger","startTime":3321.58,"endTime":3325.48,"body":"that that's a little bit IQ."},{"speaker":"Carl Widger","startTime":3321.58,"endTime":3325.48,"body":"What I what I put on the out of"},{"speaker":"Carl Widger","startTime":3325.48,"endTime":3328.9,"body":"office is I'm away on holidays"},{"speaker":"Carl Widger","startTime":3325.48,"endTime":3328.9,"body":"on my kids, I've promised them"},{"speaker":"Carl Widger","startTime":3328.9,"endTime":3331.5099999999998,"body":"that I won't be looking at my"},{"speaker":"Carl Widger","startTime":3328.9,"endTime":3331.5099999999998,"body":"emails for the next few weeks."},{"speaker":"Carl Widger","startTime":3331.81,"endTime":3334.75,"body":"I'll catch up when I get back."},{"speaker":"Carl Widger","startTime":3331.81,"endTime":3334.75,"body":"I'm gonna leave it at that. And,"},{"speaker":"Carl Widger","startTime":3335.5299999999997,"endTime":3338.5,"body":"and I'm pretty bloody"},{"speaker":"Carl Widger","startTime":3335.5299999999997,"endTime":3338.5,"body":"disciplined about it right? I"},{"speaker":"Carl Widger","startTime":3338.5,"endTime":3345.6099999999997,"body":"will maybe look at the emails"},{"speaker":"Carl Widger","startTime":3338.5,"endTime":3345.6099999999997,"body":"four or five times over over two"},{"speaker":"Carl Widger","startTime":3345.6099999999997,"endTime":3348.13,"body":"weeks. But I didn't actually"},{"speaker":"Carl Widger","startTime":3345.6099999999997,"endTime":3348.13,"body":"genuinely look at it more than"},{"speaker":"Carl Widger","startTime":3348.13,"endTime":3352.12,"body":"that. I turn off the watts, I"},{"speaker":"Carl Widger","startTime":3348.13,"endTime":3352.12,"body":"turn off the wats app, although"},{"speaker":"Carl Widger","startTime":3352.12,"endTime":3354.7599999999998,"body":"that was causes a bit of a"},{"speaker":"Carl Widger","startTime":3352.12,"endTime":3354.7599999999998,"body":"problem in California this year"},{"speaker":"Carl Widger","startTime":3354.7599999999998,"endTime":3357.0099999999998,"body":"because the kids are no bigger"},{"speaker":"Carl Widger","startTime":3354.7599999999998,"endTime":3357.0099999999998,"body":"and bolder and they're off doing"},{"speaker":"Carl Widger","startTime":3357.0099999999998,"endTime":3359.56,"body":"their own thing. So I kind of"},{"speaker":"Carl Widger","startTime":3357.0099999999998,"endTime":3359.56,"body":"need to be tracking them down"},{"speaker":"Carl Widger","startTime":3359.5899999999997,"endTime":3362.56,"body":"and then you turn the"},{"speaker":"Carl Widger","startTime":3359.5899999999997,"endTime":3362.56,"body":"notifications on was like whoa,"},{"speaker":"Carl Widger","startTime":3362.56,"endTime":3366.7599999999998,"body":"you have 140 messages. It's okay"},{"speaker":"Carl Widger","startTime":3362.56,"endTime":3366.7599999999998,"body":"though because mostly does 98"},{"speaker":"Carl Widger","startTime":3366.7599999999998,"endTime":3371.77,"body":"from the trap pack so yeah, I"},{"speaker":"Carl Widger","startTime":3366.7599999999998,"endTime":3371.77,"body":"look what I would say is I"},{"speaker":"Carl Widger","startTime":3371.77,"endTime":3374.17,"body":"haven't nailed as either, right."},{"speaker":"Carl Widger","startTime":3371.77,"endTime":3374.17,"body":"So I've tried lots of different"},{"speaker":"Carl Widger","startTime":3374.17,"endTime":3377.95,"body":"ways I've done the me be doing"},{"speaker":"Carl Widger","startTime":3374.17,"endTime":3377.95,"body":"kind of a half an hour in the"},{"speaker":"Carl Widger","startTime":3377.95,"endTime":3381.0699999999997,"body":"morning or in the evening of"},{"speaker":"Carl Widger","startTime":3377.95,"endTime":3381.0699999999997,"body":"emails, whatever. But I did feel"},{"speaker":"Carl Widger","startTime":3381.0699999999997,"endTime":3385.5099999999998,"body":"that I didn't switch off. So the"},{"speaker":"Carl Widger","startTime":3381.0699999999997,"endTime":3385.5099999999998,"body":"last couple of years, I have"},{"speaker":"Carl Widger","startTime":3385.54,"endTime":3390.58,"body":"switched off as much as I"},{"speaker":"Carl Widger","startTime":3385.54,"endTime":3390.58,"body":"possibly could. And what I would"},{"speaker":"Carl Widger","startTime":3390.58,"endTime":3393.8199999999997,"body":"say though, right, and this is"},{"speaker":"Carl Widger","startTime":3390.58,"endTime":3393.8199999999997,"body":"important, right, and I'm, I'm"},{"speaker":"Carl Widger","startTime":3393.88,"endTime":3396.94,"body":"talking from the point of view"},{"speaker":"Carl Widger","startTime":3393.88,"endTime":3396.94,"body":"of a firm with teammates and all"},{"speaker":"Carl Widger","startTime":3396.94,"endTime":3401.5299999999997,"body":"that kind of stuff. Honestly, we"},{"speaker":"Carl Widger","startTime":3396.94,"endTime":3401.5299999999997,"body":"couldn't kind of shot them for"},{"speaker":"Carl Widger","startTime":3401.56,"endTime":3405.2799999999997,"body":"the month of August are kind of"},{"speaker":"Carl Widger","startTime":3401.56,"endTime":3405.2799999999997,"body":"July and August because we need"},{"speaker":"Carl Widger","startTime":3405.2799999999997,"endTime":3409.06,"body":"the money coming in. Frankly,"},{"speaker":"Carl Widger","startTime":3405.2799999999997,"endTime":3409.06,"body":"that's just business right? So"},{"speaker":"Carl Widger","startTime":3409.06,"endTime":3412.6,"body":"I'm always talking to the guys"},{"speaker":"Carl Widger","startTime":3409.06,"endTime":3412.6,"body":"here and the guy was here about"},{"speaker":"Carl Widger","startTime":3412.87,"endTime":3416.44,"body":"you know, taking your time out"},{"speaker":"Carl Widger","startTime":3412.87,"endTime":3416.44,"body":"and do not be contactable and"},{"speaker":"Carl Widger","startTime":3416.44,"endTime":3419.8599999999997,"body":"nobody has to contact anybody"},{"speaker":"Carl Widger","startTime":3416.44,"endTime":3419.8599999999997,"body":"and blah blah blah, right so I'm"},{"speaker":"Carl Widger","startTime":3419.8599999999997,"endTime":3424.15,"body":"just wanted beyond the email and"},{"speaker":"Carl Widger","startTime":3419.8599999999997,"endTime":3424.15,"body":"that's okay. But really take"},{"speaker":"Carl Widger","startTime":3424.15,"endTime":3427.54,"body":"rest and recharge the batteries"},{"speaker":"Carl Widger","startTime":3424.15,"endTime":3427.54,"body":"and all that, put them in you"},{"speaker":"Carl Widger","startTime":3427.54,"endTime":3432.46,"body":"come back right you're on and"},{"speaker":"Carl Widger","startTime":3427.54,"endTime":3432.46,"body":"just want the final point until"},{"speaker":"Carl Widger","startTime":3432.52,"endTime":3436.0,"body":"the quarter just gone right q2"},{"speaker":"Carl Widger","startTime":3432.52,"endTime":3436.0,"body":"This year was our best quarter"},{"speaker":"Carl Widger","startTime":3436.0,"endTime":3441.79,"body":"ever. But before that, q3 2022"},{"speaker":"Carl Widger","startTime":3436.0,"endTime":3441.79,"body":"was our best quarter ever by"},{"speaker":"Carl Widger","startTime":3441.79,"endTime":3445.5099999999998,"body":"some distance. So businesses"},{"speaker":"Carl Widger","startTime":3441.79,"endTime":3445.5099999999998,"body":"don't during the summer and I do"},{"speaker":"Carl Widger","startTime":3445.5099999999998,"endTime":3448.66,"body":"believe that that's kind of a"},{"speaker":"Carl Widger","startTime":3445.5099999999998,"endTime":3448.66,"body":"mindset issue that I gonna"},{"speaker":"Carl Widger","startTime":3448.66,"endTime":3451.18,"body":"switch off because everyone"},{"speaker":"Carl Widger","startTime":3448.66,"endTime":3451.18,"body":"switches off business is done"},{"speaker":"Carl Widger","startTime":3451.24,"endTime":3454.72,"body":"and we had a magnificent third"},{"speaker":"Carl Widger","startTime":3451.24,"endTime":3454.72,"body":"quarter last year I'm certainly"},{"speaker":"Carl Widger","startTime":3454.9,"endTime":3458.2599999999998,"body":"open for and we are tracking"},{"speaker":"Carl Widger","startTime":3454.9,"endTime":3458.2599999999998,"body":"we're one month in no new right"},{"speaker":"Carl Widger","startTime":3458.2599999999998,"endTime":3462.7,"body":"but we're tracking to do really"},{"speaker":"Carl Widger","startTime":3458.2599999999998,"endTime":3462.7,"body":"really good stuff this this q3"},{"speaker":"Carl Widger","startTime":3462.7,"endTime":3467.17,"body":"as well. So in summary, I don't"},{"speaker":"Carl Widger","startTime":3462.7,"endTime":3467.17,"body":"have a cracked and I keep kind"},{"speaker":"Carl Widger","startTime":3467.17,"endTime":3469.6,"body":"of toying with the different"},{"speaker":"Carl Widger","startTime":3467.17,"endTime":3469.6,"body":"ideas and different ways of"},{"speaker":"Carl Widger","startTime":3469.6,"endTime":3469.93,"body":"doing it."},{"speaker":"Alan Smith","startTime":3470.109,"endTime":3472.989,"body":"The other thing is"},{"speaker":"Alan Smith","startTime":3470.109,"endTime":3472.989,"body":"your company tends to do better"},{"speaker":"Alan Smith","startTime":3472.989,"endTime":3474.939,"body":"when you go away to new say that"},{"speaker":"Carl Widger","startTime":3476.049,"endTime":3479.1389999999997,"body":"that's always been"},{"speaker":"Carl Widger","startTime":3476.049,"endTime":3479.1389999999997,"body":"the case you"},{"speaker":"Nick Lincoln","startTime":3479.14,"endTime":3485.7999999999997,"body":"said as well Andy"},{"speaker":"Nick Lincoln","startTime":3479.14,"endTime":3485.7999999999997,"body":"Yeah Well, I think it was raised"},{"speaker":"Andy Hart","startTime":3486.04,"endTime":3487.99,"body":"also people go on"},{"speaker":"Andy Hart","startTime":3486.04,"endTime":3487.99,"body":"holiday and they think you know"},{"speaker":"Andy Hart","startTime":3487.99,"endTime":3490.0299999999997,"body":"what I need to get on top of my"},{"speaker":"Andy Hart","startTime":3487.99,"endTime":3490.0299999999997,"body":"finances I need to find a"},{"speaker":"Andy Hart","startTime":3490.0299999999997,"endTime":3492.97,"body":"financial you know, so sometimes"},{"speaker":"Andy Hart","startTime":3490.0299999999997,"endTime":3492.97,"body":"there's there's incoming from"},{"speaker":"Andy Hart","startTime":3492.97,"endTime":3495.37,"body":"people that are chilling behind"},{"speaker":"Andy Hart","startTime":3492.97,"endTime":3495.37,"body":"you know, chilling around the"},{"speaker":"Andy Hart","startTime":3495.37,"endTime":3498.64,"body":"pool, you know, that communicate"},{"speaker":"Andy Hart","startTime":3495.37,"endTime":3498.64,"body":"with financial advisor because"},{"speaker":"Andy Hart","startTime":3498.64,"endTime":3501.25,"body":"they've got some downtime to"},{"speaker":"Andy Hart","startTime":3498.64,"endTime":3501.25,"body":"think about it. Yeah, back to"},{"speaker":"Andy Hart","startTime":3501.25,"endTime":3503.65,"body":"Alan's point the pruning the"},{"speaker":"Andy Hart","startTime":3501.25,"endTime":3503.65,"body":"garden is yeah, there's nothing"},{"speaker":"Andy Hart","startTime":3503.65,"endTime":3506.29,"body":"worse than like going away and"},{"speaker":"Andy Hart","startTime":3503.65,"endTime":3506.29,"body":"just leaving your garden on the"},{"speaker":"Andy Hart","startTime":3506.29,"endTime":3508.75,"body":"tender you come back, it's just"},{"speaker":"Andy Hart","startTime":3506.29,"endTime":3508.75,"body":"a complete shambles. That's why"},{"speaker":"Andy Hart","startTime":3508.75,"endTime":3512.56,"body":"you just asked the worst, prune"},{"speaker":"Andy Hart","startTime":3508.75,"endTime":3512.56,"body":"the garden as it were, in terms"},{"speaker":"Andy Hart","startTime":3512.56,"endTime":3514.96,"body":"of keeping on top of your emails"},{"speaker":"Andy Hart","startTime":3512.56,"endTime":3514.96,"body":"and everything sort of taken"},{"speaker":"Andy Hart","startTime":3514.96,"endTime":3518.5299999999997,"body":"away. I am a solo advisor, but"},{"speaker":"Andy Hart","startTime":3514.96,"endTime":3518.5299999999997,"body":"I've got a big team that worked"},{"speaker":"Andy Hart","startTime":3518.5299999999997,"endTime":3521.14,"body":"for me. So I'm always directing"},{"speaker":"Andy Hart","startTime":3518.5299999999997,"endTime":3521.14,"body":"emails and sorting out stuff"},{"speaker":"Andy Hart","startTime":3521.14,"endTime":3525.52,"body":"again. So I need to be active"},{"speaker":"Andy Hart","startTime":3521.14,"endTime":3525.52,"body":"and not been a bottleneck."},{"speaker":"Unknown","startTime":3526.66,"endTime":3532.27,"body":"And the the UltraGrip,"},{"speaker":"Unknown","startTime":3526.66,"endTime":3532.27,"body":"a Darien Andy, he knows about"},{"speaker":"Unknown","startTime":3532.27,"endTime":3538.12,"body":"everything and he can't be told"},{"speaker":"Unknown","startTime":3532.27,"endTime":3538.12,"body":"anything. His name is Andrew"},{"speaker":"Unknown","startTime":3538.12,"endTime":3538.72,"body":"Hart."},{"speaker":"Nick Lincoln","startTime":3542.83,"endTime":3544.33,"body":"Yah, yah victim"},{"speaker":"Nick Lincoln","startTime":3542.83,"endTime":3544.33,"body":"agree, and they're both really"},{"speaker":"Nick Lincoln","startTime":3544.33,"endTime":3551.83,"body":"nice people, shall I just my, my"},{"speaker":"Nick Lincoln","startTime":3544.33,"endTime":3551.83,"body":"song. So like, Andy, I am, I am"},{"speaker":"Nick Lincoln","startTime":3551.83,"endTime":3557.08,"body":"a one man band with an enormous,"},{"speaker":"Nick Lincoln","startTime":3551.83,"endTime":3557.08,"body":"enormous team behind me. And I"},{"speaker":"Nick Lincoln","startTime":3557.08,"endTime":3559.69,"body":"am as you know, dear Travelers,"},{"speaker":"Nick Lincoln","startTime":3557.08,"endTime":3559.69,"body":"I'm married to a head teacher,"},{"speaker":"Nick Lincoln","startTime":3559.8399999999997,"endTime":3563.68,"body":"that lovely Penelope. So she is"},{"speaker":"Nick Lincoln","startTime":3559.8399999999997,"endTime":3563.68,"body":"very much bound by her school"},{"speaker":"Nick Lincoln","startTime":3563.68,"endTime":3565.93,"body":"calendar. And of course, she has"},{"speaker":"Nick Lincoln","startTime":3563.68,"endTime":3565.93,"body":"the six weeks in quotes off,"},{"speaker":"Nick Lincoln","startTime":3565.93,"endTime":3568.24,"body":"although she spends a lot of"},{"speaker":"Nick Lincoln","startTime":3565.93,"endTime":3568.24,"body":"time at school. So I try and"},{"speaker":"Nick Lincoln","startTime":3568.24,"endTime":3570.8199999999997,"body":"spend time with Penelope. And"},{"speaker":"Nick Lincoln","startTime":3568.24,"endTime":3570.8199999999997,"body":"that time also because because I"},{"speaker":"Nick Lincoln","startTime":3570.8199999999997,"endTime":3572.7999999999997,"body":"work from home and I do zoom"},{"speaker":"Nick Lincoln","startTime":3570.8199999999997,"endTime":3572.7999999999997,"body":"meetings if she was in the"},{"speaker":"Nick Lincoln","startTime":3572.7999999999997,"endTime":3575.5899999999997,"body":"house. You know, it's got to be"},{"speaker":"Nick Lincoln","startTime":3572.7999999999997,"endTime":3575.5899999999997,"body":"quiet. When I'm doing a Zoom"},{"speaker":"Nick Lincoln","startTime":3575.5899999999997,"endTime":3577.7799999999997,"body":"meeting, you got to be totally"},{"speaker":"Nick Lincoln","startTime":3575.5899999999997,"endTime":3577.7799999999997,"body":"immersed in the zone. And I just"},{"speaker":"Nick Lincoln","startTime":3577.7799999999997,"endTime":3581.56,"body":"know that it'd be it would cause"},{"speaker":"Nick Lincoln","startTime":3577.7799999999997,"endTime":3581.56,"body":"frictions if I booked in in"},{"speaker":"Nick Lincoln","startTime":3581.56,"endTime":3584.0499999999997,"body":"planning meetings with clients"},{"speaker":"Nick Lincoln","startTime":3581.56,"endTime":3584.0499999999997,"body":"when when she's here and I want"},{"speaker":"Nick Lincoln","startTime":3584.0499999999997,"endTime":3586.6,"body":"to be spend time with her. So I"},{"speaker":"Nick Lincoln","startTime":3584.0499999999997,"endTime":3586.6,"body":"use things like Calendly"},{"speaker":"Nick Lincoln","startTime":3586.87,"endTime":3589.0,"body":"Calendly is brilliant, you know,"},{"speaker":"Nick Lincoln","startTime":3586.87,"endTime":3589.0,"body":"I've got various diaries in"},{"speaker":"Nick Lincoln","startTime":3589.0,"endTime":3592.66,"body":"Calendly. And all client"},{"speaker":"Nick Lincoln","startTime":3589.0,"endTime":3592.66,"body":"interactions I put in date"},{"speaker":"Nick Lincoln","startTime":3592.66,"endTime":3595.45,"body":"overrides I'm not available"},{"speaker":"Nick Lincoln","startTime":3592.66,"endTime":3595.45,"body":"through these dates late late"},{"speaker":"Nick Lincoln","startTime":3595.45,"endTime":3598.12,"body":"July through to late August I"},{"speaker":"Nick Lincoln","startTime":3595.45,"endTime":3598.12,"body":"leave my lunch and dinner doors"},{"speaker":"Nick Lincoln","startTime":3598.12,"endTime":3602.0499999999997,"body":"open. Obviously you're not gonna"},{"speaker":"Nick Lincoln","startTime":3598.12,"endTime":3602.0499999999997,"body":"decline those I and I take my"},{"speaker":"Nick Lincoln","startTime":3602.0499999999997,"endTime":3604.42,"body":"laptop with me when I go abroad"},{"speaker":"Nick Lincoln","startTime":3602.0499999999997,"endTime":3604.42,"body":"because I have to write it's my"},{"speaker":"Nick Lincoln","startTime":3604.42,"endTime":3607.0,"body":"it's I just have to do it. There"},{"speaker":"Nick Lincoln","startTime":3604.42,"endTime":3607.0,"body":"might be something that means I"},{"speaker":"Nick Lincoln","startTime":3607.0,"endTime":3608.98,"body":"have to get my laptop out rather"},{"speaker":"Nick Lincoln","startTime":3607.0,"endTime":3608.98,"body":"than dealing with it on my"},{"speaker":"Nick Lincoln","startTime":3608.98,"endTime":3612.1,"body":"phone. It actually never"},{"speaker":"Nick Lincoln","startTime":3608.98,"endTime":3612.1,"body":"actually happens. But I need"},{"speaker":"Nick Lincoln","startTime":3612.1,"endTime":3615.67,"body":"that comfort blanket. As a"},{"speaker":"Nick Lincoln","startTime":3612.1,"endTime":3615.67,"body":"business owner, you never really"},{"speaker":"Nick Lincoln","startTime":3615.67,"endTime":3618.64,"body":"turn up with your Metis Norway"},{"speaker":"Nick Lincoln","startTime":3615.67,"endTime":3618.64,"body":"and oh, you know, capital, the"},{"speaker":"Nick Lincoln","startTime":3618.64,"endTime":3621.31,"body":"bigger firms You guys never"},{"speaker":"Nick Lincoln","startTime":3618.64,"endTime":3621.31,"body":"really turned up I think, Carly,"},{"speaker":"Nick Lincoln","startTime":3621.64,"endTime":3624.25,"body":"you're the best at it of us a"},{"speaker":"Nick Lincoln","startTime":3621.64,"endTime":3624.25,"body":"part of your brain will still be"},{"speaker":"Nick Lincoln","startTime":3624.25,"endTime":3626.62,"body":"worrying through your business"},{"speaker":"Nick Lincoln","startTime":3624.25,"endTime":3626.62,"body":"figures for August and so forth"},{"speaker":"Nick Lincoln","startTime":3626.62,"endTime":3629.56,"body":"all the time. It does not this"},{"speaker":"Nick Lincoln","startTime":3626.62,"endTime":3629.56,"body":"is not a grouch, by the way."},{"speaker":"Nick Lincoln","startTime":3630.22,"endTime":3632.71,"body":"Well, whatever put your brain"},{"speaker":"Nick Lincoln","startTime":3630.22,"endTime":3632.71,"body":"words call that part of it"},{"speaker":"Nick Lincoln","startTime":3632.71,"endTime":3637.0,"body":"probably is. But we're all set"},{"speaker":"Nick Lincoln","startTime":3632.71,"endTime":3637.0,"body":"to put a positive spin on this"},{"speaker":"Nick Lincoln","startTime":3637.0,"endTime":3639.5499999999997,"body":"we're not employee maybe"},{"speaker":"Nick Lincoln","startTime":3637.0,"endTime":3639.5499999999997,"body":"employees can just walk away and"},{"speaker":"Nick Lincoln","startTime":3639.5499999999997,"endTime":3642.25,"body":"not worry about any of these"},{"speaker":"Nick Lincoln","startTime":3639.5499999999997,"endTime":3642.25,"body":"matters and then come back, you"},{"speaker":"Nick Lincoln","startTime":3642.25,"endTime":3644.29,"body":"know, but we don't have that"},{"speaker":"Nick Lincoln","startTime":3642.25,"endTime":3644.29,"body":"because we've chosen this thing"},{"speaker":"Nick Lincoln","startTime":3644.29,"endTime":3646.66,"body":"of ours, which is where we own"},{"speaker":"Nick Lincoln","startTime":3644.29,"endTime":3646.66,"body":"the business because we're not"},{"speaker":"Nick Lincoln","startTime":3646.66,"endTime":3652.0899999999997,"body":"really employable in in a in a"},{"speaker":"Nick Lincoln","startTime":3646.66,"endTime":3652.0899999999997,"body":"broad sense of the word. So I"},{"speaker":"Nick Lincoln","startTime":3652.0899999999997,"endTime":3655.3599999999997,"body":"don't want to switch if I do"},{"speaker":"Nick Lincoln","startTime":3652.0899999999997,"endTime":3655.3599999999997,"body":"what I do like like candy with"},{"speaker":"Nick Lincoln","startTime":3655.3599999999997,"endTime":3659.1099999999997,"body":"with there's no automatic way"},{"speaker":"Nick Lincoln","startTime":3655.3599999999997,"endTime":3659.1099999999997,"body":"we've had this before and within"},{"speaker":"Nick Lincoln","startTime":3659.1099999999997,"endTime":3662.47,"body":"within the Gmail application you"},{"speaker":"Nick Lincoln","startTime":3659.1099999999997,"endTime":3662.47,"body":"cannot pause emails but there is"},{"speaker":"Nick Lincoln","startTime":3662.47,"endTime":3665.44,"body":"a there's a thing called"},{"speaker":"Nick Lincoln","startTime":3662.47,"endTime":3665.44,"body":"Boomerang a free add on that I"},{"speaker":"Nick Lincoln","startTime":3665.47,"endTime":3668.44,"body":"on the browser and I pause my"},{"speaker":"Nick Lincoln","startTime":3665.47,"endTime":3668.44,"body":"work email. So even if I pick up"},{"speaker":"Nick Lincoln","startTime":3668.44,"endTime":3672.04,"body":"my phone on the beach and try to"},{"speaker":"Nick Lincoln","startTime":3668.44,"endTime":3672.04,"body":"look at my emails, I cannot I"},{"speaker":"Nick Lincoln","startTime":3672.04,"endTime":3674.7999999999997,"body":"don't know what's there. I can't"},{"speaker":"Nick Lincoln","startTime":3672.04,"endTime":3674.7999999999997,"body":"turn that on or off on my phone"},{"speaker":"Nick Lincoln","startTime":3674.7999999999997,"endTime":3677.77,"body":"either. Then once again About"},{"speaker":"Nick Lincoln","startTime":3674.7999999999997,"endTime":3677.77,"body":"the hotel room just put put on"},{"speaker":"Nick Lincoln","startTime":3677.77,"endTime":3679.93,"body":"the laptop and then just see"},{"speaker":"Nick Lincoln","startTime":3677.77,"endTime":3679.93,"body":"what any emails that come at"},{"speaker":"Nick Lincoln","startTime":3679.93,"endTime":3682.66,"body":"night. I get so few anyway in"},{"speaker":"Nick Lincoln","startTime":3679.93,"endTime":3682.66,"body":"the summer months people I know"},{"speaker":"Nick Lincoln","startTime":3682.66,"endTime":3686.29,"body":"Carl you do lots of business."},{"speaker":"Nick Lincoln","startTime":3682.66,"endTime":3686.29,"body":"But typically my clients,"},{"speaker":"Nick Lincoln","startTime":3686.3199999999997,"endTime":3689.23,"body":"they're just they just don't"},{"speaker":"Nick Lincoln","startTime":3686.3199999999997,"endTime":3689.23,"body":"contact me or contact me even"},{"speaker":"Nick Lincoln","startTime":3689.23,"endTime":3693.0099999999998,"body":"less in the August period and"},{"speaker":"Nick Lincoln","startTime":3689.23,"endTime":3693.0099999999998,"body":"they do otherwise. And like like"},{"speaker":"Nick Lincoln","startTime":3693.0099999999998,"endTime":3695.71,"body":"Andy funding if I've also got"},{"speaker":"Nick Lincoln","startTime":3693.0099999999998,"endTime":3695.71,"body":"three or four prospective"},{"speaker":"Nick Lincoln","startTime":3695.71,"endTime":3697.96,"body":"clients coming on board the"},{"speaker":"Nick Lincoln","startTime":3695.71,"endTime":3697.96,"body":"product the same people now they"},{"speaker":"Nick Lincoln","startTime":3697.96,"endTime":3700.5099999999998,"body":"were probably pitching as to"},{"speaker":"Nick Lincoln","startTime":3697.96,"endTime":3700.5099999999998,"body":"each other. But I've told them"},{"speaker":"Nick Lincoln","startTime":3701.3199999999997,"endTime":3704.02,"body":"you know, if you do come back to"},{"speaker":"Nick Lincoln","startTime":3701.3199999999997,"endTime":3704.02,"body":"me, we won't progress things"},{"speaker":"Nick Lincoln","startTime":3704.02,"endTime":3707.2599999999998,"body":"probably until the end of"},{"speaker":"Nick Lincoln","startTime":3704.02,"endTime":3707.2599999999998,"body":"August, early September. Because"},{"speaker":"Nick Lincoln","startTime":3707.2599999999998,"endTime":3710.56,"body":"most of what we do is not it's"},{"speaker":"Nick Lincoln","startTime":3707.2599999999998,"endTime":3710.56,"body":"not time critical is it? It's"},{"speaker":"Nick Lincoln","startTime":3710.56,"endTime":3713.56,"body":"it's not we're talking about in"},{"speaker":"Nick Lincoln","startTime":3710.56,"endTime":3713.56,"body":"a multi Gen multigenerational"},{"speaker":"Nick Lincoln","startTime":3713.56,"endTime":3715.45,"body":"lifestyle financial planning by"},{"speaker":"Carl Widger","startTime":3716.17,"endTime":3719.7999999999997,"body":"Nick What I found"},{"speaker":"Carl Widger","startTime":3716.17,"endTime":3719.7999999999997,"body":"on that point is that a lot of"},{"speaker":"Carl Widger","startTime":3719.7999999999997,"endTime":3723.25,"body":"stuff that we'd be we may have"},{"speaker":"Carl Widger","startTime":3719.7999999999997,"endTime":3723.25,"body":"started the work and kind of"},{"speaker":"Carl Widger","startTime":3723.46,"endTime":3727.24,"body":"February March like Andy said,"},{"speaker":"Carl Widger","startTime":3723.46,"endTime":3727.24,"body":"right people kind of maybe have"},{"speaker":"Carl Widger","startTime":3727.24,"endTime":3729.5499999999997,"body":"a little bit more time and"},{"speaker":"Carl Widger","startTime":3727.24,"endTime":3729.5499999999997,"body":"they're ready to kind of"},{"speaker":"Carl Widger","startTime":3729.5499999999997,"endTime":3732.19,"body":"implement that. So it's not that"},{"speaker":"Carl Widger","startTime":3729.5499999999997,"endTime":3732.19,"body":"we started the business"},{"speaker":"Carl Widger","startTime":3732.19,"endTime":3736.75,"body":"necessarily the business"},{"speaker":"Carl Widger","startTime":3732.19,"endTime":3736.75,"body":"relationship in the summer it's"},{"speaker":"Carl Widger","startTime":3736.75,"endTime":3739.45,"body":"like people are going right"},{"speaker":"Carl Widger","startTime":3736.75,"endTime":3739.45,"body":"let's just go and implement that"},{"speaker":"Carl Widger","startTime":3739.45,"endTime":3740.98,"body":"so just just a minor point on"},{"speaker":"Carl Widger","startTime":3739.45,"endTime":3740.98,"body":"that."},{"speaker":"Nick Lincoln","startTime":3741.819,"endTime":3744.429,"body":"Okay, thank you"},{"speaker":"Nick Lincoln","startTime":3741.819,"endTime":3744.429,"body":"Dan, as well my dad you you"},{"speaker":"Nick Lincoln","startTime":3744.429,"endTime":3746.859,"body":"might have sowed the seeds back"},{"speaker":"Nick Lincoln","startTime":3744.429,"endTime":3746.859,"body":"in February March and now the"},{"speaker":"Nick Lincoln","startTime":3746.859,"endTime":3748.659,"body":"things coming to gestation"},{"speaker":"Nick Lincoln","startTime":3746.859,"endTime":3748.659,"body":"because they got the time to do"},{"speaker":"Nick Lincoln","startTime":3748.659,"endTime":3751.8689999999997,"body":"absolutely. They can't read"},{"speaker":"Nick Lincoln","startTime":3748.659,"endTime":3751.8689999999997,"body":"another bloody novel by I've no."},{"speaker":"Nick Lincoln","startTime":3751.959,"endTime":3755.709,"body":"Clancy who are people read on"},{"speaker":"Nick Lincoln","startTime":3751.959,"endTime":3755.709,"body":"the beach? Okay, I think meat"},{"speaker":"Nick Lincoln","startTime":3755.709,"endTime":3758.949,"body":"potatoes is kind of done. We are"},{"speaker":"Nick Lincoln","startTime":3755.709,"endTime":3758.949,"body":"also over an hour into this into"},{"speaker":"Nick Lincoln","startTime":3758.949,"endTime":3764.049,"body":"this absolute shambles. Absolute"},{"speaker":"Nick Lincoln","startTime":3758.949,"endTime":3764.049,"body":"shambles. So shall we move on to"},{"speaker":"Nick Lincoln","startTime":3764.049,"endTime":3766.1189999999997,"body":"the actually I don't really get"},{"speaker":"Nick Lincoln","startTime":3764.049,"endTime":3766.1189999999997,"body":"a choice about this because I"},{"speaker":"Nick Lincoln","startTime":3766.1189999999997,"endTime":3771.009,"body":"can see out the front door that"},{"speaker":"Nick Lincoln","startTime":3766.1189999999997,"endTime":3771.009,"body":"the post is rolled up. And the"},{"speaker":"Nick Lincoln","startTime":3771.0389999999998,"endTime":3773.8889999999997,"body":"sack of trapeze questions is of"},{"speaker":"Nick Lincoln","startTime":3771.0389999999998,"endTime":3773.8889999999997,"body":"course bulging and they're"},{"speaker":"Nick Lincoln","startTime":3773.8889999999997,"endTime":3775.8689999999997,"body":"trapped. If you want to leave a"},{"speaker":"Nick Lincoln","startTime":3773.8889999999997,"endTime":3775.8689999999997,"body":"question for us, please do"},{"speaker":"Nick Lincoln","startTime":3775.8689999999997,"endTime":3781.959,"body":"there's a link in the SoCal show"},{"speaker":"Nick Lincoln","startTime":3775.8689999999997,"endTime":3781.959,"body":"notes. We've got three questions"},{"speaker":"Nick Lincoln","startTime":3782.169,"endTime":3785.169,"body":"for this episode. One of them is"},{"speaker":"Nick Lincoln","startTime":3782.169,"endTime":3785.169,"body":"from a chap called Amon"},{"speaker":"Nick Lincoln","startTime":3785.199,"endTime":3790.3889999999997,"body":"Prendergast Amon, your question"},{"speaker":"Nick Lincoln","startTime":3785.199,"endTime":3790.3889999999997,"body":"was about 58 sub clauses there."},{"speaker":"Nick Lincoln","startTime":3790.3889999999997,"endTime":3794.6189999999997,"body":"So it's it's a long question."},{"speaker":"Nick Lincoln","startTime":3790.3889999999997,"endTime":3794.6189999999997,"body":"It's about how to run seminars,"},{"speaker":"Nick Lincoln","startTime":3794.8289999999997,"endTime":3796.899,"body":"effectively. And basically you"},{"speaker":"Nick Lincoln","startTime":3794.8289999999997,"endTime":3796.899,"body":"want chapter and verse and how"},{"speaker":"Nick Lincoln","startTime":3796.899,"endTime":3799.8089999999997,"body":"to do it. We are going to cover"},{"speaker":"Nick Lincoln","startTime":3796.899,"endTime":3799.8089999999997,"body":"this in the next episode, we're"},{"speaker":"Nick Lincoln","startTime":3799.8089999999997,"endTime":3802.239,"body":"going to focus because we are"},{"speaker":"Nick Lincoln","startTime":3799.8089999999997,"endTime":3802.239,"body":"obviously great the trap pack. I"},{"speaker":"Nick Lincoln","startTime":3802.239,"endTime":3804.969,"body":"mean, are there for better"},{"speaker":"Nick Lincoln","startTime":3802.239,"endTime":3804.969,"body":"advisors in the world? No, it's"},{"speaker":"Nick Lincoln","startTime":3804.969,"endTime":3807.5789999999997,"body":"a rhetorical question. However,"},{"speaker":"Nick Lincoln","startTime":3804.969,"endTime":3807.5789999999997,"body":"even we have made mistakes. In"},{"speaker":"Nick Lincoln","startTime":3807.5789999999997,"endTime":3809.2889999999998,"body":"the next episode, we're going to"},{"speaker":"Nick Lincoln","startTime":3807.5789999999997,"endTime":3809.2889999999998,"body":"go over some of the mistakes"},{"speaker":"Nick Lincoln","startTime":3809.2889999999998,"endTime":3812.769,"body":"we've made. And one of them will"},{"speaker":"Nick Lincoln","startTime":3809.2889999999998,"endTime":3812.769,"body":"include this podcast seminars"},{"speaker":"Nick Lincoln","startTime":3812.799,"endTime":3815.529,"body":"that didn't go well. So we'll"},{"speaker":"Nick Lincoln","startTime":3812.799,"endTime":3815.529,"body":"bring that into it there."},{"speaker":"Nick Lincoln","startTime":3815.679,"endTime":3817.569,"body":"However, we got two more"},{"speaker":"Nick Lincoln","startTime":3815.679,"endTime":3817.569,"body":"questions from our dear"},{"speaker":"Nick Lincoln","startTime":3817.569,"endTime":3822.279,"body":"Trappists to get to so let me"},{"speaker":"Nick Lincoln","startTime":3817.569,"endTime":3822.279,"body":"just quickly find the drop where"},{"speaker":"Nick Lincoln","startTime":3822.279,"endTime":3826.5989999999997,"body":"I pretend the listing open."},{"speaker":"Nick Lincoln","startTime":3822.279,"endTime":3826.5989999999997,"body":"There we go. This one is from"},{"speaker":"Nick Lincoln","startTime":3826.629,"endTime":3829.5989999999997,"body":"Steve Smith. Steve, not Steve"},{"speaker":"Nick Lincoln","startTime":3826.629,"endTime":3829.5989999999997,"body":"Smith, the Australian batsman"},{"speaker":"Nick Lincoln","startTime":3830.379,"endTime":3833.259,"body":"list I don't imagine that is."},{"speaker":"Nick Lincoln","startTime":3830.379,"endTime":3833.259,"body":"He's on Twitter as Steve Smith"},{"speaker":"Nick Lincoln","startTime":3833.259,"endTime":3838.359,"body":"live. Can the presenters discuss"},{"speaker":"Nick Lincoln","startTime":3833.259,"endTime":3838.359,"body":"a? Here we go another one with"},{"speaker":"Nick Lincoln","startTime":3838.359,"endTime":3841.959,"body":"58 questions? Can the presenters"},{"speaker":"Nick Lincoln","startTime":3838.359,"endTime":3841.959,"body":"discuss a what the financial"},{"speaker":"Nick Lincoln","startTime":3841.959,"endTime":3845.319,"body":"aspects of their ongoing service"},{"speaker":"Nick Lincoln","startTime":3841.959,"endTime":3845.319,"body":"agreements are be what the"},{"speaker":"Nick Lincoln","startTime":3845.319,"endTime":3849.489,"body":"clients get for that amount and"},{"speaker":"Nick Lincoln","startTime":3845.319,"endTime":3849.489,"body":"see how they derived any tears?"},{"speaker":"Nick Lincoln","startTime":3849.489,"endTime":3852.489,"body":"They have? Great show chaps."},{"speaker":"Nick Lincoln","startTime":3849.489,"endTime":3852.489,"body":"It's done a lot of good. So keep"},{"speaker":"Nick Lincoln","startTime":3852.489,"endTime":3855.219,"body":"doing it. Gob. Lyerly. Okay,"},{"speaker":"Nick Lincoln","startTime":3852.489,"endTime":3855.219,"body":"let's just quick, quick"},{"speaker":"Nick Lincoln","startTime":3855.219,"endTime":3859.839,"body":"whistlestop tour around around"},{"speaker":"Nick Lincoln","startTime":3855.219,"endTime":3859.839,"body":"the room if we can of what your"},{"speaker":"Nick Lincoln","startTime":3859.839,"endTime":3863.799,"body":"charges are, and how you got to"},{"speaker":"Nick Lincoln","startTime":3859.839,"endTime":3863.799,"body":"them. And any tears making sure"},{"speaker":"Andy Hart","startTime":3863.7999999999997,"endTime":3864.97,"body":"isn't a question,"},{"speaker":"Andy Hart","startTime":3863.7999999999997,"endTime":3864.97,"body":"Nick?"},{"speaker":"Alan Smith","startTime":3867.609,"endTime":3872.739,"body":"is sure aspects are"},{"speaker":"Alan Smith","startTime":3867.609,"endTime":3872.739,"body":"of ongoing service agreements,"},{"speaker":"Nick Lincoln","startTime":3872.77,"endTime":3874.6,"body":"financial aspects"},{"speaker":"Nick Lincoln","startTime":3872.77,"endTime":3874.6,"body":"of their ongoing service becomes"},{"speaker":"Nick Lincoln","startTime":3874.6,"endTime":3874.99,"body":"Yeah, what do you"},{"speaker":"Alan Smith","startTime":3875.319,"endTime":3876.3089999999997,"body":"get for that amount?"},{"speaker":"Nick Lincoln","startTime":3876.339,"endTime":3877.299,"body":"Yeah, exactly."},{"speaker":"Nick Lincoln","startTime":3876.339,"endTime":3877.299,"body":"What?"},{"speaker":"Andy Hart","startTime":3877.6,"endTime":3879.0099999999998,"body":"It's an enormous"},{"speaker":"Andy Hart","startTime":3877.6,"endTime":3879.0099999999998,"body":"question."},{"speaker":"Nick Lincoln","startTime":3879.64,"endTime":3881.47,"body":"It couldn't be"},{"speaker":"Nick Lincoln","startTime":3879.64,"endTime":3881.47,"body":"more of what I just said."},{"speaker":"Carl Widger","startTime":3881.859,"endTime":3884.169,"body":"What was the guys"},{"speaker":"Carl Widger","startTime":3881.859,"endTime":3884.169,"body":"are figuring it out? Right?"},{"speaker":"Carl Widger","startTime":3884.469,"endTime":3886.899,"body":"There's a document on our"},{"speaker":"Carl Widger","startTime":3884.469,"endTime":3886.899,"body":"website called doing business"},{"speaker":"Carl Widger","startTime":3886.899,"endTime":3894.009,"body":"with us. And it's all in there."},{"speaker":"Carl Widger","startTime":3886.899,"endTime":3894.009,"body":"And the tears are just trial and"},{"speaker":"Carl Widger","startTime":3894.009,"endTime":3896.769,"body":"error over a long period of"},{"speaker":"Carl Widger","startTime":3894.009,"endTime":3896.769,"body":"time. We're doing business with"},{"speaker":"Carl Widger","startTime":3896.769,"endTime":3899.6189999999997,"body":"us. It's on our website. That's"},{"speaker":"Carl Widger","startTime":3896.769,"endTime":3899.6189999999997,"body":"you'll see everything and"},{"speaker":"Nick Lincoln","startTime":3902.2599999999998,"endTime":3904.18,"body":"oh, yeah, yeah,"},{"speaker":"Nick Lincoln","startTime":3902.2599999999998,"endTime":3904.18,"body":"for that amount be in the chat."},{"speaker":"Nick Lincoln","startTime":3904.18,"endTime":3905.65,"body":"What do you think? Why don't you"},{"speaker":"Nick Lincoln","startTime":3904.18,"endTime":3905.65,"body":"show us"},{"speaker":"Unknown","startTime":3906.49,"endTime":3907.39,"body":"the service?"},{"speaker":"Andy Hart","startTime":3909.85,"endTime":3911.98,"body":"Okay, what the Ask"},{"speaker":"Andy Hart","startTime":3909.85,"endTime":3911.98,"body":"not what are our fees? Okay,"},{"speaker":"Andy Hart","startTime":3911.98,"endTime":3915.67,"body":"we're saying that's a that's us"},{"speaker":"Andy Hart","startTime":3911.98,"endTime":3915.67,"body":"interpreting it be? Will the"},{"speaker":"Andy Hart","startTime":3915.67,"endTime":3917.68,"body":"clients get for that? I mean,"},{"speaker":"Andy Hart","startTime":3915.67,"endTime":3917.68,"body":"you can't answer what the"},{"speaker":"Andy Hart","startTime":3917.68,"endTime":3920.5299999999997,"body":"clients get for it. And just a"},{"speaker":"Andy Hart","startTime":3917.68,"endTime":3920.5299999999997,"body":"round robin style cameras, the"},{"speaker":"Andy Hart","startTime":3920.5299999999997,"endTime":3923.5899999999997,"body":"whole thing we've been talking"},{"speaker":"Andy Hart","startTime":3920.5299999999997,"endTime":3923.5899999999997,"body":"about the whole entire being of"},{"speaker":"Andy Hart","startTime":3923.5899999999997,"endTime":3925.9,"body":"this show is what we're"},{"speaker":"Andy Hart","startTime":3923.5899999999997,"endTime":3925.9,"body":"discussing and talking about,"},{"speaker":"Andy Hart","startTime":3925.9,"endTime":3927.0699999999997,"body":"it's very"},{"speaker":"Carl Widger","startTime":3927.73,"endTime":3930.25,"body":"well if the annual"},{"speaker":"Carl Widger","startTime":3927.73,"endTime":3930.25,"body":"financial planning review"},{"speaker":"Carl Widger","startTime":3930.25,"endTime":3930.91,"body":"process,"},{"speaker":"Andy Hart","startTime":3931.15,"endTime":3935.1099999999997,"body":"they get derived"},{"speaker":"Andy Hart","startTime":3931.15,"endTime":3935.1099999999997,"body":"tiers you use, okay? I don't"},{"speaker":"Andy Hart","startTime":3935.1099999999997,"endTime":3937.63,"body":"really have much to say on that."},{"speaker":"Andy Hart","startTime":3935.1099999999997,"endTime":3937.63,"body":"It's a bit weird."},{"speaker":"Alan Smith","startTime":3938.77,"endTime":3944.17,"body":"I mean, this is"},{"speaker":"Alan Smith","startTime":3938.77,"endTime":3944.17,"body":"obviously our approach to fees"},{"speaker":"Alan Smith","startTime":3944.29,"endTime":3947.47,"body":"is a bit different. We probably"},{"speaker":"Alan Smith","startTime":3944.29,"endTime":3947.47,"body":"aren't going to go through that"},{"speaker":"Alan Smith","startTime":3947.5,"endTime":3949.69,"body":"on this podcast. We should"},{"speaker":"Alan Smith","startTime":3947.5,"endTime":3949.69,"body":"probably come back to that I was"},{"speaker":"Alan Smith","startTime":3949.69,"endTime":3952.18,"body":"always keeping up my sleeve."},{"speaker":"Alan Smith","startTime":3949.69,"endTime":3952.18,"body":"We'll have a conversation around"},{"speaker":"Alan Smith","startTime":3952.72,"endTime":3956.2599999999998,"body":"retainers, flat fee retainers,"},{"speaker":"Alan Smith","startTime":3952.72,"endTime":3956.2599999999998,"body":"subscription type models versus"},{"speaker":"Alan Smith","startTime":3956.65,"endTime":3961.63,"body":"percentage of assets models."},{"speaker":"Alan Smith","startTime":3956.65,"endTime":3961.63,"body":"Because we've we've got a very"},{"speaker":"Alan Smith","startTime":3962.08,"endTime":3967.8399999999997,"body":"clear range of fees which are"},{"speaker":"Alan Smith","startTime":3962.08,"endTime":3967.8399999999997,"body":"not directly dependent upon the"},{"speaker":"Alan Smith","startTime":3967.8399999999997,"endTime":3972.16,"body":"assets under management, managed"},{"speaker":"Alan Smith","startTime":3967.8399999999997,"endTime":3972.16,"body":"or looked after by the advisory"},{"speaker":"Alan Smith","startTime":3972.16,"endTime":3977.5899999999997,"body":"firm. Well, we've we've sort of"},{"speaker":"Alan Smith","startTime":3972.16,"endTime":3977.5899999999997,"body":"derived a pricing structure,"},{"speaker":"Alan Smith","startTime":3978.2799999999997,"endTime":3982.33,"body":"which is predominantly focuses"},{"speaker":"Alan Smith","startTime":3978.2799999999997,"endTime":3982.33,"body":"on things like complexity. But"},{"speaker":"Alan Smith","startTime":3982.33,"endTime":3985.0,"body":"number a number of other things"},{"speaker":"Alan Smith","startTime":3982.33,"endTime":3985.0,"body":"as well, complexity and value,"},{"speaker":"Alan Smith","startTime":3985.93,"endTime":3989.38,"body":"also time, time taken to do"},{"speaker":"Alan Smith","startTime":3985.93,"endTime":3989.38,"body":"particular things, but it's"},{"speaker":"Alan Smith","startTime":3989.38,"endTime":3991.5699999999997,"body":"probably that we don't have the"},{"speaker":"Alan Smith","startTime":3989.38,"endTime":3991.5699999999997,"body":"scope for it here, if you want"},{"speaker":"Alan Smith","startTime":3991.5699999999997,"endTime":3993.37,"body":"to do it. That was the mean"},{"speaker":"Alan Smith","startTime":3991.5699999999997,"endTime":3993.37,"body":"potatoes and"},{"speaker":"Andy Hart","startTime":3993.37,"endTime":3995.74,"body":"it's an hour hour to"},{"speaker":"Andy Hart","startTime":3993.37,"endTime":3995.74,"body":"answer that question. I mean,"},{"speaker":"Andy Hart","startTime":3995.74,"endTime":3997.45,"body":"this is what I discussed with"},{"speaker":"Andy Hart","startTime":3995.74,"endTime":3997.45,"body":"clients on the onboarding"},{"speaker":"Andy Hart","startTime":3997.45,"endTime":3998.47,"body":"process with lots of"},{"speaker":"Alan Smith","startTime":3999.16,"endTime":4002.3399999999997,"body":"headlines. They are"},{"speaker":"Alan Smith","startTime":3999.16,"endTime":4002.3399999999997,"body":"the head, the headlines are,"},{"speaker":"Alan Smith","startTime":4002.3399999999997,"endTime":4005.25,"body":"broadly speaking, people charge"},{"speaker":"Alan Smith","startTime":4002.3399999999997,"endTime":4005.25,"body":"1% for financial planning,"},{"speaker":"Alan Smith","startTime":4005.25,"endTime":4008.43,"body":"investment management, ongoing"},{"speaker":"Alan Smith","startTime":4005.25,"endTime":4008.43,"body":"behavioral coaching, all that"},{"speaker":"Alan Smith","startTime":4008.43,"endTime":4011.85,"body":"stuff. And there's some"},{"speaker":"Alan Smith","startTime":4008.43,"endTime":4011.85,"body":"discounting for larger, larger"},{"speaker":"Alan Smith","startTime":4011.85,"endTime":4014.19,"body":"clients. Yeah. Summary."},{"speaker":"Nick Lincoln","startTime":4014.49,"endTime":4017.0099999999998,"body":"Yeah, yeah, yeah,"},{"speaker":"Nick Lincoln","startTime":4014.49,"endTime":4017.0099999999998,"body":"my fee agreements on my website."},{"speaker":"Nick Lincoln","startTime":4017.0099999999998,"endTime":4018.96,"body":"It's very explicit, but it sort"},{"speaker":"Nick Lincoln","startTime":4017.0099999999998,"endTime":4018.96,"body":"of is there. And also, I say"},{"speaker":"Nick Lincoln","startTime":4018.96,"endTime":4021.63,"body":"what you get for it, but it's"},{"speaker":"Nick Lincoln","startTime":4018.96,"endTime":4021.63,"body":"ever we determine the cost, the"},{"speaker":"Nick Lincoln","startTime":4021.63,"endTime":4024.21,"body":"client determines the value."},{"speaker":"Nick Lincoln","startTime":4021.63,"endTime":4024.21,"body":"Sorry, FCA. That's just the way"},{"speaker":"Nick Lincoln","startTime":4024.21,"endTime":4028.5899999999997,"body":"the world works. Okay, onto the"},{"speaker":"Nick Lincoln","startTime":4024.21,"endTime":4028.5899999999997,"body":"second question, and this is"},{"speaker":"Nick Lincoln","startTime":4028.5899999999997,"endTime":4036.81,"body":"from Mr. Kiran Fowley who's on"},{"speaker":"Nick Lincoln","startTime":4028.5899999999997,"endTime":4036.81,"body":"Twitter as at Kieran Fowley? How"},{"speaker":"Nick Lincoln","startTime":4036.8399999999997,"endTime":4040.2,"body":"do you chaps turn down new"},{"speaker":"Nick Lincoln","startTime":4036.8399999999997,"endTime":4040.2,"body":"clients when you feel they won't"},{"speaker":"Nick Lincoln","startTime":4040.2,"endTime":4043.5,"body":"be a good match for you or not"},{"speaker":"Nick Lincoln","startTime":4040.2,"endTime":4043.5,"body":"profitable? How do you sack"},{"speaker":"Nick Lincoln","startTime":4043.5,"endTime":4047.0099999999998,"body":"existing clients? So you don't"},{"speaker":"Nick Lincoln","startTime":4043.5,"endTime":4047.0099999999998,"body":"want to service anymore? So I'll"},{"speaker":"Nick Lincoln","startTime":4047.0099999999998,"endTime":4050.73,"body":"have a quick stab at that."},{"speaker":"Nick Lincoln","startTime":4047.0099999999998,"endTime":4050.73,"body":"They're not clients or they"},{"speaker":"Nick Lincoln","startTime":4050.73,"endTime":4053.0699999999997,"body":"could turn them down their"},{"speaker":"Nick Lincoln","startTime":4050.73,"endTime":4053.0699999999997,"body":"prospects your prospecting your"},{"speaker":"Nick Lincoln","startTime":4053.0699999999997,"endTime":4057.8399999999997,"body":"vetting them? Yeah, it just, you"},{"speaker":"Nick Lincoln","startTime":4053.0699999999997,"endTime":4057.8399999999997,"body":"just kind of know, don't you? If"},{"speaker":"Nick Lincoln","startTime":4058.83,"endTime":4061.47,"body":"I don't really, I get turned"},{"speaker":"Nick Lincoln","startTime":4058.83,"endTime":4061.47,"body":"down really. But I don't turn"},{"speaker":"Nick Lincoln","startTime":4061.47,"endTime":4063.75,"body":"down many, you know, it's just"},{"speaker":"Nick Lincoln","startTime":4061.47,"endTime":4063.75,"body":"it just doesn't work. I don't"},{"speaker":"Nick Lincoln","startTime":4064.35,"endTime":4067.08,"body":"either. Do you like them? Or"},{"speaker":"Nick Lincoln","startTime":4064.35,"endTime":4067.08,"body":"they're gonna pay your fees?"},{"speaker":"Nick Lincoln","startTime":4067.35,"endTime":4072.21,"body":"That's two questions. Job done."},{"speaker":"Nick Lincoln","startTime":4067.35,"endTime":4072.21,"body":"And yeah, there are a lot I"},{"speaker":"Nick Lincoln","startTime":4072.21,"endTime":4074.1,"body":"mean, there's quite a bit on"},{"speaker":"Nick Lincoln","startTime":4072.21,"endTime":4074.1,"body":"this. How do you sack existing"},{"speaker":"Nick Lincoln","startTime":4074.1,"endTime":4075.69,"body":"clients, you don't want to"},{"speaker":"Nick Lincoln","startTime":4074.1,"endTime":4075.69,"body":"service any more than Nick"},{"speaker":"Nick Lincoln","startTime":4075.69,"endTime":4079.44,"body":"Murray scripts. There's stuff in"},{"speaker":"Nick Lincoln","startTime":4075.69,"endTime":4079.44,"body":"there in the in the Google group"},{"speaker":"Nick Lincoln","startTime":4079.44,"endTime":4083.04,"body":"that I run, IFA forum, and you"},{"speaker":"Nick Lincoln","startTime":4079.44,"endTime":4083.04,"body":"can join that by going to the"},{"speaker":"Nick Lincoln","startTime":4083.04,"endTime":4086.1,"body":"Twitter handle at IFA forum."},{"speaker":"Nick Lincoln","startTime":4083.04,"endTime":4086.1,"body":"This is a recurring question."},{"speaker":"Nick Lincoln","startTime":4086.1,"endTime":4089.4,"body":"There been loads of good answers"},{"speaker":"Nick Lincoln","startTime":4086.1,"endTime":4089.4,"body":"about how you do this gentleman"},{"speaker":"Nick Lincoln","startTime":4089.4,"endTime":4090.0899999999997,"body":"anything to add?"},{"speaker":"Alan Smith","startTime":4091.95,"endTime":4095.46,"body":"Well, we, we get"},{"speaker":"Alan Smith","startTime":4091.95,"endTime":4095.46,"body":"people approach us and it's"},{"speaker":"Alan Smith","startTime":4095.46,"endTime":4098.1,"body":"clear that for whatever reason,"},{"speaker":"Alan Smith","startTime":4095.46,"endTime":4098.1,"body":"they're not a good fit, I just"},{"speaker":"Alan Smith","startTime":4098.1,"endTime":4102.06,"body":"think it's very important always"},{"speaker":"Alan Smith","startTime":4098.1,"endTime":4102.06,"body":"to try to leave them positively."},{"speaker":"Alan Smith","startTime":4102.42,"endTime":4105.81,"body":"So we were sometimes for it"},{"speaker":"Alan Smith","startTime":4102.42,"endTime":4105.81,"body":"could be it could be what"},{"speaker":"Alan Smith","startTime":4105.81,"endTime":4109.02,"body":"they're looking for, or it could"},{"speaker":"Alan Smith","startTime":4105.81,"endTime":4109.02,"body":"be sort of, sort of size or"},{"speaker":"Alan Smith","startTime":4109.02,"endTime":4112.2300000000005,"body":"quantum that relative to because"},{"speaker":"Alan Smith","startTime":4109.02,"endTime":4112.2300000000005,"body":"you know we've got we've got a"},{"speaker":"Alan Smith","startTime":4112.26,"endTime":4115.14,"body":"we've got fees, we've got"},{"speaker":"Alan Smith","startTime":4112.26,"endTime":4115.14,"body":"minimum fee levels. And we're"},{"speaker":"Alan Smith","startTime":4115.14,"endTime":4117.81,"body":"it's unlikely to be for some"},{"speaker":"Alan Smith","startTime":4115.14,"endTime":4117.81,"body":"people so like to be good value"},{"speaker":"Alan Smith","startTime":4117.81,"endTime":4121.02,"body":"for money. And we've got a sort"},{"speaker":"Alan Smith","startTime":4117.81,"endTime":4121.02,"body":"of overall sort of decency level"},{"speaker":"Alan Smith","startTime":4121.02,"endTime":4124.53,"body":"when it comes to our our fees."},{"speaker":"Alan Smith","startTime":4121.02,"endTime":4124.53,"body":"And we will always want to we've"},{"speaker":"Alan Smith","startTime":4124.53,"endTime":4127.8,"body":"got a couple of advisor"},{"speaker":"Alan Smith","startTime":4124.53,"endTime":4127.8,"body":"relationships that we will refer"},{"speaker":"Alan Smith","startTime":4127.8,"endTime":4129.93,"body":"them on to good good firms."},{"speaker":"Alan Smith","startTime":4127.8,"endTime":4129.93,"body":"They've got a slightly different"},{"speaker":"Alan Smith","startTime":4129.93,"endTime":4134.82,"body":"business model to us. But I've"},{"speaker":"Alan Smith","startTime":4129.93,"endTime":4134.82,"body":"also referred people to Vanguard"},{"speaker":"Alan Smith","startTime":4135.36,"endTime":4139.05,"body":"to Hargreaves Lansdown number of"},{"speaker":"Alan Smith","startTime":4135.36,"endTime":4139.05,"body":"other organizations, but we"},{"speaker":"Alan Smith","startTime":4139.05,"endTime":4142.56,"body":"always want any prospect at all"},{"speaker":"Alan Smith","startTime":4139.05,"endTime":4142.56,"body":"that knocks on our door, we want"},{"speaker":"Alan Smith","startTime":4142.56,"endTime":4145.77,"body":"to help them one way or another,"},{"speaker":"Alan Smith","startTime":4142.56,"endTime":4145.77,"body":"if we're not the right firm will"},{"speaker":"Alan Smith","startTime":4145.77,"endTime":4148.89,"body":"either find another firm that"},{"speaker":"Alan Smith","startTime":4145.77,"endTime":4148.89,"body":"can do help them because we"},{"speaker":"Alan Smith","startTime":4148.92,"endTime":4152.13,"body":"know, we pre vetted it. And"},{"speaker":"Alan Smith","startTime":4148.92,"endTime":4152.13,"body":"we've done our due diligence on"},{"speaker":"Alan Smith","startTime":4152.13,"endTime":4155.67,"body":"them. Or as I say any number of"},{"speaker":"Alan Smith","startTime":4152.13,"endTime":4155.67,"body":"other if someone says I want to"},{"speaker":"Alan Smith","startTime":4155.67,"endTime":4159.33,"body":"spend 200 pound a month in an"},{"speaker":"Alan Smith","startTime":4155.67,"endTime":4159.33,"body":"ICER, for example. There are"},{"speaker":"Alan Smith","startTime":4159.33,"endTime":4162.51,"body":"better organizations to do that."},{"speaker":"Alan Smith","startTime":4159.33,"endTime":4162.51,"body":"And I think it's important"},{"speaker":"Alan Smith","startTime":4162.51,"endTime":4165.54,"body":"always to help people out as"},{"speaker":"Alan Smith","startTime":4162.51,"endTime":4165.54,"body":"opposed to saying, we can't help"},{"speaker":"Alan Smith","startTime":4165.54,"endTime":4168.36,"body":"you. Anything else?"},{"speaker":"Nick Lincoln","startTime":4168.78,"endTime":4171.0,"body":"Okay. I think I"},{"speaker":"Nick Lincoln","startTime":4168.78,"endTime":4171.0,"body":"think that's the word. That's,"},{"speaker":"Nick Lincoln","startTime":4171.0,"endTime":4173.13,"body":"that's, that's great. We've"},{"speaker":"Nick Lincoln","startTime":4171.0,"endTime":4173.13,"body":"given some value there. Okay,"},{"speaker":"Nick Lincoln","startTime":4173.13,"endTime":4174.96,"body":"then without any further ado,"},{"speaker":"Nick Lincoln","startTime":4173.13,"endTime":4174.96,"body":"let's move on to what many"},{"speaker":"Nick Lincoln","startTime":4174.96,"endTime":4182.82,"body":"people call culture corner. And"},{"speaker":"Nick Lincoln","startTime":4174.96,"endTime":4182.82,"body":"storyteller you're one is the"},{"speaker":"Nick Lincoln","startTime":4182.82,"endTime":4185.46,"body":"first week we've talked about"},{"speaker":"Nick Lincoln","startTime":4182.82,"endTime":4185.46,"body":"human risk podcast before so so"},{"speaker":"Nick Lincoln","startTime":4185.49,"endTime":4189.93,"body":"throw some magic new sparkle"},{"speaker":"Nick Lincoln","startTime":4185.49,"endTime":4189.93,"body":"dust on it. Have we? We talked"},{"speaker":"Nick Lincoln","startTime":4189.93,"endTime":4190.38,"body":"about it? Yeah."},{"speaker":"Alan Smith","startTime":4191.04,"endTime":4194.16,"body":"Okay. Well, there is"},{"speaker":"Alan Smith","startTime":4191.04,"endTime":4194.16,"body":"a there's a new episode of it."},{"speaker":"Alan Smith","startTime":4194.22,"endTime":4197.22,"body":"And it's got I think it's a"},{"speaker":"Alan Smith","startTime":4194.22,"endTime":4197.22,"body":"series of episodes that were"},{"speaker":"Alan Smith","startTime":4197.22,"endTime":4200.37,"body":"that they went through three of"},{"speaker":"Alan Smith","startTime":4197.22,"endTime":4200.37,"body":"these guys went over to Abbey"},{"speaker":"Alan Smith","startTime":4200.37,"endTime":4204.8099999999995,"body":"Road Studios and recorded I"},{"speaker":"Alan Smith","startTime":4200.37,"endTime":4204.8099999999995,"body":"think three episodes there. Paul"},{"speaker":"Alan Smith","startTime":4204.8099999999995,"endTime":4210.96,"body":"Craven, Rory Sutherland and"},{"speaker":"Alan Smith","startTime":4204.8099999999995,"endTime":4210.96,"body":"Gerald Ashley. Andy Hall. I"},{"speaker":"Alan Smith","startTime":4210.96,"endTime":4215.25,"body":"think two of those three are"},{"speaker":"Alan Smith","startTime":4210.96,"endTime":4215.25,"body":"speaking at humans under"},{"speaker":"Alan Smith","startTime":4215.25,"endTime":4219.96,"body":"management. Is that right? Yes."},{"speaker":"Alan Smith","startTime":4215.25,"endTime":4219.96,"body":"Yeah. Paul and Craven is? Yeah,"},{"speaker":"Alan Smith","startTime":4219.96,"endTime":4225.09,"body":"but they're both both speaking"},{"speaker":"Alan Smith","startTime":4219.96,"endTime":4225.09,"body":"this this year. The this this"},{"speaker":"Alan Smith","startTime":4225.09,"endTime":4227.82,"body":"episode of this series of"},{"speaker":"Alan Smith","startTime":4225.09,"endTime":4227.82,"body":"episodes that they did just"},{"speaker":"Alan Smith","startTime":4227.82,"endTime":4231.48,"body":"recently really good and has"},{"speaker":"Alan Smith","startTime":4227.82,"endTime":4231.48,"body":"lots of relevance to financial"},{"speaker":"Alan Smith","startTime":4231.48,"endTime":4234.84,"body":"planners. When they talk about I"},{"speaker":"Alan Smith","startTime":4231.48,"endTime":4234.84,"body":"think I'm not sure which one it"},{"speaker":"Alan Smith","startTime":4234.84,"endTime":4237.21,"body":"is. He's talking maybe Paul"},{"speaker":"Alan Smith","startTime":4234.84,"endTime":4237.21,"body":"Craven, does he do a lot of"},{"speaker":"Alan Smith","startTime":4237.21,"endTime":4239.64,"body":"behavioral stuff for asset"},{"speaker":"Alan Smith","startTime":4237.21,"endTime":4239.64,"body":"management companies investment"},{"speaker":"Alan Smith","startTime":4239.64,"endTime":4243.09,"body":"management companies? Not sure"},{"speaker":"Alan Smith","startTime":4239.64,"endTime":4243.09,"body":"exactly. And it wasn't Rory"},{"speaker":"Alan Smith","startTime":4243.09,"endTime":4246.9,"body":"talking but when one of them was"},{"speaker":"Alan Smith","startTime":4243.09,"endTime":4246.9,"body":"speaking, us talking about how"},{"speaker":"Alan Smith","startTime":4246.9,"endTime":4250.86,"body":"people present information use"},{"speaker":"Alan Smith","startTime":4246.9,"endTime":4250.86,"body":"offer making presentations, and"},{"speaker":"Alan Smith","startTime":4250.86,"endTime":4253.71,"body":"how most people no include sort"},{"speaker":"Alan Smith","startTime":4250.86,"endTime":4253.71,"body":"of financial advisors and vessel"},{"speaker":"Alan Smith","startTime":4253.71,"endTime":4257.13,"body":"managers how we get it all"},{"speaker":"Alan Smith","startTime":4253.71,"endTime":4257.13,"body":"wrong. And an exercise that he"},{"speaker":"Alan Smith","startTime":4257.13,"endTime":4261.21,"body":"goes through to do it so highly"},{"speaker":"Alan Smith","startTime":4257.13,"endTime":4261.21,"body":"relevant to the listeners of"},{"speaker":"Alan Smith","startTime":4261.21,"endTime":4265.38,"body":"this podcast and some really"},{"speaker":"Alan Smith","startTime":4261.21,"endTime":4265.38,"body":"interesting tidbits and"},{"speaker":"Alan Smith","startTime":4265.38,"endTime":4270.18,"body":"actionable takeaways from those"},{"speaker":"Alan Smith","startTime":4265.38,"endTime":4270.18,"body":"three icons of behavioral"},{"speaker":"Alan Smith","startTime":4270.18,"endTime":4270.87,"body":"finance"},{"speaker":"Andy Hart","startTime":4270.99,"endTime":4271.89,"body":"as decent I've just"},{"speaker":"Nick Lincoln","startTime":4273.12,"endTime":4274.32,"body":"called show notes."},{"speaker":"Nick Lincoln","startTime":4273.12,"endTime":4274.32,"body":"Yes, there is,"},{"speaker":"Andy Hart","startTime":4274.65,"endTime":4276.54,"body":"is the latest three"},{"speaker":"Andy Hart","startTime":4274.65,"endTime":4276.54,"body":"shows. Yeah, thanks. Well"},{"speaker":"Nick Lincoln","startTime":4277.949,"endTime":4285.929,"body":"Okay Mr. Witcher"},{"speaker":"Nick Lincoln","startTime":4277.949,"endTime":4285.929,"body":"money men by Dan Crum call"},{"speaker":"Nick Lincoln","startTime":4285.929,"endTime":4286.829,"body":"you're muted my friend"},{"speaker":"Unknown","startTime":4289.11,"endTime":4293.0999999999995,"body":"you're still muted haha"},{"speaker":"Unknown","startTime":4289.11,"endTime":4293.0999999999995,"body":"it's the Wirecard story sorry"},{"speaker":"Unknown","startTime":4293.0999999999995,"endTime":4293.46,"body":"guys."},{"speaker":"Carl Widger","startTime":4294.36,"endTime":4298.62,"body":"Yeah, I'm actually"},{"speaker":"Carl Widger","startTime":4294.36,"endTime":4298.62,"body":"reading this in book format to"},{"speaker":"Carl Widger","startTime":4298.62,"endTime":4302.28,"body":"try and help me sleep at night"},{"speaker":"Carl Widger","startTime":4298.62,"endTime":4302.28,"body":"when it's working treat. It's"},{"speaker":"Carl Widger","startTime":4302.28,"endTime":4304.62,"body":"there's so many characters"},{"speaker":"Carl Widger","startTime":4302.28,"endTime":4304.62,"body":"involved but it's absolutely"},{"speaker":"Carl Widger","startTime":4304.62,"endTime":4307.92,"body":"fascinating and again, it's I"},{"speaker":"Carl Widger","startTime":4304.62,"endTime":4307.92,"body":"seem to be drawn to these"},{"speaker":"Carl Widger","startTime":4307.92,"endTime":4311.46,"body":"stories about people swindling"},{"speaker":"Carl Widger","startTime":4307.92,"endTime":4311.46,"body":"other people out of money but"},{"speaker":"Carl Widger","startTime":4311.64,"endTime":4315.63,"body":"fascinating story. Highly"},{"speaker":"Carl Widger","startTime":4311.64,"endTime":4315.63,"body":"recommended why Wirecard story?"},{"speaker":"Carl Widger","startTime":4316.23,"endTime":4318.03,"body":"Money men by Dan McCrum."},{"speaker":"Alan Smith","startTime":4318.12,"endTime":4321.36,"body":"But that's that's a"},{"speaker":"Alan Smith","startTime":4318.12,"endTime":4321.36,"body":"Netflix show is Netflix. One of"},{"speaker":"Alan Smith","startTime":4321.36,"endTime":4325.47,"body":"those. It's a it's a documentary"},{"speaker":"Alan Smith","startTime":4321.36,"endTime":4325.47,"body":"film as well, which I've seen. I"},{"speaker":"Alan Smith","startTime":4325.47,"endTime":4327.15,"body":"haven't read the book. But I've"},{"speaker":"Alan Smith","startTime":4325.47,"endTime":4327.15,"body":"watched I"},{"speaker":"Carl Widger","startTime":4327.63,"endTime":4330.57,"body":"haven't seen that."},{"speaker":"Carl Widger","startTime":4327.63,"endTime":4330.57,"body":"Yeah. Yeah."},{"speaker":"Alan Smith","startTime":4331.139,"endTime":4333.149,"body":"Crazy stuff. German"},{"speaker":"Alan Smith","startTime":4331.139,"endTime":4333.149,"body":"German company, wasn't it?"},{"speaker":"Unknown","startTime":4333.15,"endTime":4336.39,"body":"Yeah. German."},{"speaker":"Unknown","startTime":4333.15,"endTime":4336.39,"body":"completely fabricated,"},{"speaker":"Carl Widger","startTime":4336.69,"endTime":4340.8,"body":"make make ERP Asian"},{"speaker":"Carl Widger","startTime":4336.69,"endTime":4340.8,"body":"companies. Yeah. But the"},{"speaker":"Carl Widger","startTime":4340.8,"endTime":4343.8,"body":"investigative investigative"},{"speaker":"Carl Widger","startTime":4340.8,"endTime":4343.8,"body":"journalism that went on there is"},{"speaker":"Carl Widger","startTime":4343.8,"endTime":4346.8,"body":"absolutely phenomenal. So you"},{"speaker":"Carl Widger","startTime":4343.8,"endTime":4346.8,"body":"know, we do need these people."},{"speaker":"Carl Widger","startTime":4347.61,"endTime":4348.99,"body":"Yeah, really good. Really"},{"speaker":"Carl Widger","startTime":4347.61,"endTime":4348.99,"body":"interesting."},{"speaker":"Nick Lincoln","startTime":4349.29,"endTime":4351.99,"body":"Okay, thank you."},{"speaker":"Nick Lincoln","startTime":4349.29,"endTime":4351.99,"body":"leading on from that the same"},{"speaker":"Nick Lincoln","startTime":4351.99,"endTime":4354.57,"body":"kind of thing. I want to thank"},{"speaker":"Nick Lincoln","startTime":4351.99,"endTime":4354.57,"body":"you call because I listened to"},{"speaker":"Nick Lincoln","startTime":4354.57,"endTime":4356.43,"body":"the stuff that you mentioned."},{"speaker":"Nick Lincoln","startTime":4354.57,"endTime":4356.43,"body":"That was a previous episode"},{"speaker":"Nick Lincoln","startTime":4356.43,"endTime":4361.74,"body":"episode 24 The Melissa Caddick"},{"speaker":"Nick Lincoln","startTime":4356.43,"endTime":4361.74,"body":"podcast yeah this this was"},{"speaker":"Nick Lincoln","startTime":4362.58,"endTime":4366.57,"body":"another financial for just just"},{"speaker":"Nick Lincoln","startTime":4362.58,"endTime":4366.57,"body":"just wow human beings man. She"},{"speaker":"Nick Lincoln","startTime":4366.57,"endTime":4368.79,"body":"you know, Bernie, Bernie Madoff"},{"speaker":"Nick Lincoln","startTime":4366.57,"endTime":4368.79,"body":"was the king of the Ponzi. I"},{"speaker":"Nick Lincoln","startTime":4368.79,"endTime":4370.68,"body":"don't he just he's on a"},{"speaker":"Nick Lincoln","startTime":4368.79,"endTime":4370.68,"body":"different level in terms of the"},{"speaker":"Nick Lincoln","startTime":4370.68,"endTime":4375.15,"body":"amount but she lost. I think it"},{"speaker":"Nick Lincoln","startTime":4370.68,"endTime":4375.15,"body":"was 38 million Australian"},{"speaker":"Nick Lincoln","startTime":4375.15,"endTime":4377.04,"body":"dollars, I'm not sure. But it's"},{"speaker":"Nick Lincoln","startTime":4375.15,"endTime":4377.04,"body":"improper money. But it's still"},{"speaker":"Nick Lincoln","startTime":4377.04,"endTime":4380.22,"body":"probably quite a sizable amount."},{"speaker":"Nick Lincoln","startTime":4377.04,"endTime":4380.22,"body":"But she didn't not only did she"},{"speaker":"Nick Lincoln","startTime":4380.3099999999995,"endTime":4383.46,"body":"fleece her, you know, friends"},{"speaker":"Nick Lincoln","startTime":4380.3099999999995,"endTime":4383.46,"body":"and clients, she flees to have"},{"speaker":"Nick Lincoln","startTime":4383.46,"endTime":4386.34,"body":"family. This is the most recent"},{"speaker":"Nick Lincoln","startTime":4383.46,"endTime":4386.34,"body":"Bernie Madoff didn't. I mean,"},{"speaker":"Nick Lincoln","startTime":4386.34,"endTime":4388.83,"body":"obviously, he trashed their"},{"speaker":"Nick Lincoln","startTime":4386.34,"endTime":4388.83,"body":"reputation. And that's that's,"},{"speaker":"Nick Lincoln","startTime":4388.86,"endTime":4391.41,"body":"that's beyond. You can't put a"},{"speaker":"Nick Lincoln","startTime":4388.86,"endTime":4391.41,"body":"price on that. But he didn't. He"},{"speaker":"Nick Lincoln","startTime":4391.41,"endTime":4393.99,"body":"didn't take money from his own"},{"speaker":"Nick Lincoln","startTime":4391.41,"endTime":4393.99,"body":"family's pockets. But she just"},{"speaker":"Nick Lincoln","startTime":4394.71,"endTime":4398.3099999999995,"body":"she took money from her parents."},{"speaker":"Nick Lincoln","startTime":4394.71,"endTime":4398.3099999999995,"body":"And it's, it's just hikes and"},{"speaker":"Nick Lincoln","startTime":4398.97,"endTime":4402.09,"body":"stuff. Yeah, it's just about but"},{"speaker":"Nick Lincoln","startTime":4398.97,"endTime":4402.09,"body":"I am drawn to it as well. Like"},{"speaker":"Nick Lincoln","startTime":4402.09,"endTime":4404.91,"body":"here, it is just like geez, you"},{"speaker":"Nick Lincoln","startTime":4402.09,"endTime":4404.91,"body":"know, here we are, again, you"},{"speaker":"Nick Lincoln","startTime":4404.91,"endTime":4408.0,"body":"know, worrying about consumer"},{"speaker":"Nick Lincoln","startTime":4404.91,"endTime":4408.0,"body":"duty and how you know, can we"},{"speaker":"Nick Lincoln","startTime":4408.0,"endTime":4413.88,"body":"justify this ISIS switch? She"},{"speaker":"Nick Lincoln","startTime":4408.0,"endTime":4413.88,"body":"asked, sociopathic and just"},{"speaker":"Nick Lincoln","startTime":4413.88,"endTime":4415.32,"body":"don't have don't have any"},{"speaker":"Nick Lincoln","startTime":4413.88,"endTime":4415.32,"body":"conscience and"},{"speaker":"Carl Widger","startTime":4416.43,"endTime":4419.34,"body":"the common the"},{"speaker":"Carl Widger","startTime":4416.43,"endTime":4419.34,"body":"common theme, but what made off"},{"speaker":"Carl Widger","startTime":4419.34,"endTime":4422.64,"body":"and Melissa Kotick was they"},{"speaker":"Carl Widger","startTime":4419.34,"endTime":4422.64,"body":"didn't invest the money at all,"},{"speaker":"Carl Widger","startTime":4422.67,"endTime":4425.76,"body":"ever. They just gave out these"},{"speaker":"Carl Widger","startTime":4422.67,"endTime":4425.76,"body":"kinds of fraudulent false"},{"speaker":"Carl Widger","startTime":4425.76,"endTime":4430.17,"body":"statements. So, you know, if"},{"speaker":"Carl Widger","startTime":4425.76,"endTime":4430.17,"body":"you're investing money, try and"},{"speaker":"Carl Widger","startTime":4430.17,"endTime":4433.86,"body":"get some online logins so that"},{"speaker":"Carl Widger","startTime":4430.17,"endTime":4433.86,"body":"you can actually see this this"},{"speaker":"Carl Widger","startTime":4433.86,"endTime":4436.32,"body":"thing yourself. I mean, it's"},{"speaker":"Carl Widger","startTime":4433.86,"endTime":4436.32,"body":"pretty standard you would"},{"speaker":"Carl Widger","startTime":4436.32,"endTime":4439.53,"body":"imagine these days, but yet when"},{"speaker":"Carl Widger","startTime":4436.32,"endTime":4439.53,"body":"you hear about these stories, it"},{"speaker":"Carl Widger","startTime":4439.53,"endTime":4441.24,"body":"doesn't necessarily seem to be"},{"speaker":"Alan Smith","startTime":4441.3,"endTime":4444.09,"body":"talking to things"},{"speaker":"Alan Smith","startTime":4441.3,"endTime":4444.09,"body":"that that just bring in it, you"},{"speaker":"Alan Smith","startTime":4444.09,"endTime":4446.8499999999995,"body":"know, timestamp I shared with"},{"speaker":"Alan Smith","startTime":4444.09,"endTime":4446.8499999999995,"body":"you guys this morning. We just"},{"speaker":"Alan Smith","startTime":4446.8499999999995,"endTime":4452.0999999999995,"body":"in the BBC today yesterday, this"},{"speaker":"Alan Smith","startTime":4446.8499999999995,"endTime":4452.0999999999995,"body":"local authority things Faruk"},{"speaker":"Alan Smith","startTime":4452.19,"endTime":4456.99,"body":"cancel events, they're like,"},{"speaker":"Alan Smith","startTime":4452.19,"endTime":4456.99,"body":"over half a billion pounds in"},{"speaker":"Alan Smith","startTime":4456.99,"endTime":4460.68,"body":"sandwich looks like a fraudulent"},{"speaker":"Alan Smith","startTime":4456.99,"endTime":4460.68,"body":"setup of some solar farm"},{"speaker":"Alan Smith","startTime":4461.34,"endTime":4465.54,"body":"organization and the founder"},{"speaker":"Alan Smith","startTime":4461.34,"endTime":4465.54,"body":"apparently or someone's sort of"},{"speaker":"Alan Smith","startTime":4465.54,"endTime":4468.0,"body":"wrapped up in it obviously this"},{"speaker":"Alan Smith","startTime":4465.54,"endTime":4468.0,"body":"is a presume is going to be some"},{"speaker":"Alan Smith","startTime":4468.03,"endTime":4470.55,"body":"sort of court case coming down"},{"speaker":"Alan Smith","startTime":4468.03,"endTime":4470.55,"body":"the line was buying private"},{"speaker":"Alan Smith","startTime":4470.55,"endTime":4475.3499999999995,"body":"planes yachts, Bugatti is huge."},{"speaker":"Alan Smith","startTime":4470.55,"endTime":4475.3499999999995,"body":"And now that now the council is"},{"speaker":"Alan Smith","startTime":4475.3499999999995,"endTime":4478.47,"body":"technically bankrupt and have"},{"speaker":"Alan Smith","startTime":4475.3499999999995,"endTime":4478.47,"body":"had to cease delivering all non"},{"speaker":"Alan Smith","startTime":4478.47,"endTime":4484.26,"body":"essential services. I mean, what"},{"speaker":"Alan Smith","startTime":4478.47,"endTime":4484.26,"body":"your 655 million pounds what"},{"speaker":"Alan Smith","startTime":4484.26,"endTime":4485.3099999999995,"body":"what? Yeah,"},{"speaker":"Carl Widger","startTime":4485.61,"endTime":4488.07,"body":"I read it I read it"},{"speaker":"Carl Widger","startTime":4485.61,"endTime":4488.07,"body":"out and I read it I actually"},{"speaker":"Carl Widger","startTime":4488.07,"endTime":4490.92,"body":"tried to comment on it and did"},{"speaker":"Carl Widger","startTime":4488.07,"endTime":4490.92,"body":"technology went a little bit"},{"speaker":"Carl Widger","startTime":4490.92,"endTime":4494.07,"body":"haywire and people there this I"},{"speaker":"Carl Widger","startTime":4490.92,"endTime":4494.07,"body":"don't know is this solar wind"},{"speaker":"Carl Widger","startTime":4494.07,"endTime":4497.28,"body":"farm thing? There's, we have one"},{"speaker":"Carl Widger","startTime":4494.07,"endTime":4497.28,"body":"of those ones gone pear shaped"},{"speaker":"Carl Widger","startTime":4497.28,"endTime":4499.65,"body":"here in Ireland as well, but"},{"speaker":"Carl Widger","startTime":4497.28,"endTime":4499.65,"body":"that I read that article, Alan?"},{"speaker":"Carl Widger","startTime":4499.86,"endTime":4501.18,"body":"Oh, my mother."},{"speaker":"Nick Lincoln","startTime":4502.32,"endTime":4504.57,"body":"Good. It's all"},{"speaker":"Nick Lincoln","startTime":4502.32,"endTime":4504.57,"body":"good. Because solar, it's so"},{"speaker":"Nick Lincoln","startTime":4504.57,"endTime":4507.96,"body":"less so we'll save the polar"},{"speaker":"Nick Lincoln","startTime":4504.57,"endTime":4507.96,"body":"bears. That's all fine. Don't"},{"speaker":"Nick Lincoln","startTime":4507.96,"endTime":4510.69,"body":"question the narrative invest in"},{"speaker":"Nick Lincoln","startTime":4507.96,"endTime":4510.69,"body":"solar doesn't matter if it the"},{"speaker":"Nick Lincoln","startTime":4510.69,"endTime":4515.88,"body":"money goes down this shit. Okay,"},{"speaker":"Nick Lincoln","startTime":4510.69,"endTime":4515.88,"body":"my final culture corner one is,"},{"speaker":"Nick Lincoln","startTime":4516.21,"endTime":4518.79,"body":"this is a bit of a different"},{"speaker":"Nick Lincoln","startTime":4516.21,"endTime":4518.79,"body":"one. So I put in I had a penny"},{"speaker":"Nick Lincoln","startTime":4518.79,"endTime":4521.22,"body":"had a party recently, you three"},{"speaker":"Nick Lincoln","startTime":4518.79,"endTime":4521.22,"body":"are invited. None of you turned"},{"speaker":"Nick Lincoln","startTime":4521.22,"endTime":4525.5999999999995,"body":"up. It's been noted. And we had"},{"speaker":"Nick Lincoln","startTime":4521.22,"endTime":4525.5999999999995,"body":"this guy come along, to sing it."},{"speaker":"Nick Lincoln","startTime":4525.5999999999995,"endTime":4527.76,"body":"Our party, Penny met him. He was"},{"speaker":"Nick Lincoln","startTime":4525.5999999999995,"endTime":4527.76,"body":"busking and what fun High"},{"speaker":"Nick Lincoln","startTime":4527.76,"endTime":4530.4,"body":"Street? And she said she spoke"},{"speaker":"Nick Lincoln","startTime":4527.76,"endTime":4530.4,"body":"to him. He said, would you want"},{"speaker":"Nick Lincoln","startTime":4530.4,"endTime":4533.07,"body":"to come and see our party? I"},{"speaker":"Nick Lincoln","startTime":4530.4,"endTime":4533.07,"body":"thought Christ on a Bible."},{"speaker":"Nick Lincoln","startTime":4533.07,"endTime":4535.98,"body":"What's this about? Anyway, this"},{"speaker":"Nick Lincoln","startTime":4533.07,"endTime":4535.98,"body":"guy was brilliant. Chris Harvey."},{"speaker":"Nick Lincoln","startTime":4536.73,"endTime":4541.62,"body":"He thinks sort of jazz soul sort"},{"speaker":"Nick Lincoln","startTime":4536.73,"endTime":4541.62,"body":"of beautiful, sort of molasses"},{"speaker":"Nick Lincoln","startTime":4541.62,"endTime":4545.16,"body":"dark, beautiful, smoky voice and"},{"speaker":"Nick Lincoln","startTime":4541.62,"endTime":4545.16,"body":"he was really good. I'm giving"},{"speaker":"Nick Lincoln","startTime":4545.16,"endTime":4547.3499999999995,"body":"him a shout out because the guy"},{"speaker":"Nick Lincoln","startTime":4545.16,"endTime":4547.3499999999995,"body":"lives in hand and down the road"},{"speaker":"Nick Lincoln","startTime":4547.3499999999995,"endTime":4550.17,"body":"from in northwest London. And"},{"speaker":"Nick Lincoln","startTime":4547.3499999999995,"endTime":4550.17,"body":"he's lived in the same place for"},{"speaker":"Nick Lincoln","startTime":4550.17,"endTime":4552.75,"body":"20 years rented it and he's been"},{"speaker":"Nick Lincoln","startTime":4550.17,"endTime":4552.75,"body":"chucked out by his landlord and"},{"speaker":"Nick Lincoln","startTime":4552.75,"endTime":4556.05,"body":"he's not he's got nowhere to go."},{"speaker":"Nick Lincoln","startTime":4552.75,"endTime":4556.05,"body":"He cannot afford the rents in"},{"speaker":"Nick Lincoln","startTime":4556.05,"endTime":4559.14,"body":"the UK are just astronomical at"},{"speaker":"Nick Lincoln","startTime":4556.05,"endTime":4559.14,"body":"the moment and I finally get"},{"speaker":"Nick Lincoln","startTime":4559.14,"endTime":4562.14,"body":"this guy he turned up on time."},{"speaker":"Nick Lincoln","startTime":4559.14,"endTime":4562.14,"body":"He played for longer than he"},{"speaker":"Nick Lincoln","startTime":4562.14,"endTime":4564.15,"body":"said he would and then he"},{"speaker":"Nick Lincoln","startTime":4562.14,"endTime":4564.15,"body":"buggered off and he just"},{"speaker":"Nick Lincoln","startTime":4564.84,"endTime":4567.15,"body":"brilliant thing brings his"},{"speaker":"Nick Lincoln","startTime":4564.84,"endTime":4567.15,"body":"microphone brings the lights to"},{"speaker":"Nick Lincoln","startTime":4567.15,"endTime":4570.03,"body":"sings and live music even as"},{"speaker":"Nick Lincoln","startTime":4567.15,"endTime":4570.03,"body":"simple as that it just"},{"speaker":"Nick Lincoln","startTime":4570.03,"endTime":4573.93,"body":"transformed the party so there's"},{"speaker":"Nick Lincoln","startTime":4570.03,"endTime":4573.93,"body":"a link to his his website in the"},{"speaker":"Nick Lincoln","startTime":4574.0199999999995,"endTime":4576.36,"body":"show notes if you if you're in"},{"speaker":"Nick Lincoln","startTime":4574.0199999999995,"endTime":4576.36,"body":"the home counties area And you"},{"speaker":"Nick Lincoln","startTime":4576.36,"endTime":4579.03,"body":"want someone to come and sing at"},{"speaker":"Nick Lincoln","startTime":4576.36,"endTime":4579.03,"body":"bash or having a garden party or"},{"speaker":"Nick Lincoln","startTime":4579.03,"endTime":4581.67,"body":"what have you? Definitely,"},{"speaker":"Nick Lincoln","startTime":4579.03,"endTime":4581.67,"body":"definitely highly recommend"},{"speaker":"Nick Lincoln","startTime":4581.76,"endTime":4583.7699999999995,"body":"Chris Harper. He was a pro and"},{"speaker":"Nick Lincoln","startTime":4581.76,"endTime":4583.7699999999995,"body":"we"},{"speaker":"Carl Widger","startTime":4584.01,"endTime":4587.01,"body":"well, we all know"},{"speaker":"Carl Widger","startTime":4584.01,"endTime":4587.01,"body":"that's awesome fairplay for"},{"speaker":"Carl Widger","startTime":4587.16,"endTime":4588.0,"body":"calling that one out."},{"speaker":"Nick Lincoln","startTime":4588.57,"endTime":4591.33,"body":"Thank you my"},{"speaker":"Nick Lincoln","startTime":4588.57,"endTime":4591.33,"body":"friend, Mr. Hart lower middle"},{"speaker":"Nick Lincoln","startTime":4591.36,"endTime":4592.5599999999995,"body":"estate Cotswolds?"},{"speaker":"Andy Hart","startTime":4593.099,"endTime":4594.719,"body":"Yes, we've just"},{"speaker":"Andy Hart","startTime":4593.099,"endTime":4594.719,"body":"returned from the Cotswolds a"},{"speaker":"Andy Hart","startTime":4594.719,"endTime":4597.389,"body":"week with my family, quite a lot"},{"speaker":"Andy Hart","startTime":4594.719,"endTime":4597.389,"body":"of us hide a big house. It's a"},{"speaker":"Andy Hart","startTime":4597.389,"endTime":4599.459,"body":"great little place if anyone's"},{"speaker":"Andy Hart","startTime":4597.389,"endTime":4599.459,"body":"thinking about going to the"},{"speaker":"Andy Hart","startTime":4599.459,"endTime":4602.669,"body":"Cotswolds. It's in sort of, they"},{"speaker":"Andy Hart","startTime":4599.459,"endTime":4602.669,"body":"call it the Cotswolds water park"},{"speaker":"Andy Hart","startTime":4602.669,"endTime":4606.509,"body":"area near South Cerney near"},{"speaker":"Andy Hart","startTime":4602.669,"endTime":4606.509,"body":"Cirencester. And the main place"},{"speaker":"Andy Hart","startTime":4606.509,"endTime":4608.2789999999995,"body":"I've gone to I think I've gone"},{"speaker":"Andy Hart","startTime":4606.509,"endTime":4608.2789999999995,"body":"to there about six or seven"},{"speaker":"Andy Hart","startTime":4608.2789999999995,"endTime":4611.309,"body":"times now it's called lower mill"},{"speaker":"Andy Hart","startTime":4608.2789999999995,"endTime":4611.309,"body":"estate. And the main people that"},{"speaker":"Andy Hart","startTime":4611.339,"endTime":4614.459,"body":"rent out houses there from from"},{"speaker":"Andy Hart","startTime":4611.339,"endTime":4614.459,"body":"as small as two beds, three beds"},{"speaker":"Andy Hart","startTime":4614.459,"endTime":4616.919,"body":"and then there's obviously the"},{"speaker":"Andy Hart","startTime":4614.459,"endTime":4616.919,"body":"biggest sort of 567 beds it's"},{"speaker":"Andy Hart","startTime":4616.919,"endTime":4619.589,"body":"called Habitat escapes. So if"},{"speaker":"Andy Hart","startTime":4616.919,"endTime":4619.589,"body":"you want to go somewhere lovely"},{"speaker":"Andy Hart","startTime":4619.589,"endTime":4621.929,"body":"in the Cotswolds it's really"},{"speaker":"Andy Hart","startTime":4619.589,"endTime":4621.929,"body":"great for London is only an hour"},{"speaker":"Andy Hart","startTime":4621.929,"endTime":4625.709,"body":"and a half away from London."},{"speaker":"Andy Hart","startTime":4621.929,"endTime":4625.709,"body":"Check it out we had a fantastic"},{"speaker":"Andy Hart","startTime":4625.709,"endTime":4629.2789999999995,"body":"week there on the lake with a"},{"speaker":"Andy Hart","startTime":4625.709,"endTime":4629.2789999999995,"body":"hot tub kids going crazy all the"},{"speaker":"Andy Hart","startTime":4629.2789999999995,"endTime":4632.8189999999995,"body":"good stuff lots of ice cream"},{"speaker":"Andy Hart","startTime":4629.2789999999995,"endTime":4632.8189999999995,"body":"weather was not the best but we"},{"speaker":"Andy Hart","startTime":4632.8189999999995,"endTime":4635.909,"body":"made the most of it so yeah if"},{"speaker":"Andy Hart","startTime":4632.8189999999995,"endTime":4635.909,"body":"you want to go somewhere really"},{"speaker":"Andy Hart","startTime":4635.909,"endTime":4638.429,"body":"nice and we've got all over the"},{"speaker":"Andy Hart","startTime":4635.909,"endTime":4638.429,"body":"state it's also great for kids"},{"speaker":"Andy Hart","startTime":4638.429,"endTime":4640.769,"body":"to go swimming and"},{"speaker":"Andy Hart","startTime":4638.429,"endTime":4640.769,"body":"paddleboarding and and all the"},{"speaker":"Andy Hart","startTime":4640.769,"endTime":4643.169,"body":"other water sports so yeah,"},{"speaker":"Andy Hart","startTime":4640.769,"endTime":4643.169,"body":"check it out."},{"speaker":"Nick Lincoln","startTime":4644.67,"endTime":4645.9,"body":"Now it's a"},{"speaker":"Nick Lincoln","startTime":4644.67,"endTime":4645.9,"body":"beautiful part of the world my"},{"speaker":"Nick Lincoln","startTime":4645.9,"endTime":4650.76,"body":"brother lives in in in the Cross"},{"speaker":"Nick Lincoln","startTime":4645.9,"endTime":4650.76,"body":"Hospital political bloc when you"},{"speaker":"Nick Lincoln","startTime":4650.76,"endTime":4653.61,"body":"and I ended we penny we met few"},{"speaker":"Nick Lincoln","startTime":4650.76,"endTime":4653.61,"body":"years ago and just in that era"},{"speaker":"Nick Lincoln","startTime":4653.61,"endTime":4656.43,"body":"it is it is lovely. It's so it's"},{"speaker":"Nick Lincoln","startTime":4653.61,"endTime":4656.43,"body":"just this picture postcard."},{"speaker":"Nick Lincoln","startTime":4656.76,"endTime":4660.03,"body":"Beautiful. Okey dokey and I"},{"speaker":"Nick Lincoln","startTime":4656.76,"endTime":4660.03,"body":"think you're off to the otter"},{"speaker":"Nick Lincoln","startTime":4660.03,"endTime":4661.5599999999995,"body":"Spain Mr. Hart is that correct?"},{"speaker":"Andy Hart","startTime":4661.7699999999995,"endTime":4665.25,"body":"Yes Your Sawyer Salah"},{"speaker":"Andy Hart","startTime":4661.7699999999995,"endTime":4665.25,"body":"depends on how you say it. Yep."},{"speaker":"Nick Lincoln","startTime":4665.94,"endTime":4668.04,"body":"Okay, I've got"},{"speaker":"Nick Lincoln","startTime":4665.94,"endTime":4668.04,"body":"Sicily next week, which I'm"},{"speaker":"Nick Lincoln","startTime":4668.04,"endTime":4670.38,"body":"looking forward to the forecast"},{"speaker":"Nick Lincoln","startTime":4668.04,"endTime":4670.38,"body":"here by the way for the next"},{"speaker":"Nick Lincoln","startTime":4670.41,"endTime":4676.26,"body":"week. My god. Okay, guys, we are"},{"speaker":"Nick Lincoln","startTime":4670.41,"endTime":4676.26,"body":"now at look at that as ever was"},{"speaker":"Nick Lincoln","startTime":4676.26,"endTime":4678.48,"body":"kind of it was coming around 80"},{"speaker":"Nick Lincoln","startTime":4676.26,"endTime":4678.48,"body":"minutes. Are we are we"},{"speaker":"Nick Lincoln","startTime":4678.48,"endTime":4680.58,"body":"comfortable? That's we've done"},{"speaker":"Nick Lincoln","startTime":4678.48,"endTime":4680.58,"body":"it all. We've been that a good a"},{"speaker":"Nick Lincoln","startTime":4680.58,"endTime":4683.4,"body":"good effort. Okay, I'm assuming"},{"speaker":"Nick Lincoln","startTime":4680.58,"endTime":4683.4,"body":"the silence as a yes. So that's"},{"speaker":"Nick Lincoln","startTime":4683.4,"endTime":4685.5,"body":"a wrap for this episode. Dear"},{"speaker":"Nick Lincoln","startTime":4683.4,"endTime":4685.5,"body":"trappers thank you as ever for"},{"speaker":"Nick Lincoln","startTime":4685.5,"endTime":4688.71,"body":"your precious time and your"},{"speaker":"Nick Lincoln","startTime":4685.5,"endTime":4688.71,"body":"input into the show. Please do"},{"speaker":"Nick Lincoln","startTime":4688.71,"endTime":4692.04,"body":"rate and review us on iTunes,"},{"speaker":"Nick Lincoln","startTime":4688.71,"endTime":4692.04,"body":"leave a six or a five star"},{"speaker":"Nick Lincoln","startTime":4692.04,"endTime":4694.89,"body":"review. Like and subscribe to"},{"speaker":"Nick Lincoln","startTime":4692.04,"endTime":4694.89,"body":"our YouTube channel. I think"},{"speaker":"Nick Lincoln","startTime":4694.89,"endTime":4698.64,"body":"we're about 350 subscribers on"},{"speaker":"Nick Lincoln","startTime":4694.89,"endTime":4698.64,"body":"that now, which is not a bad"},{"speaker":"Nick Lincoln","startTime":4698.64,"endTime":4702.09,"body":"effort whatsoever. But until the"},{"speaker":"Nick Lincoln","startTime":4698.64,"endTime":4702.09,"body":"next time from the trap pack,"},{"speaker":"Nick Lincoln","startTime":4702.12,"endTime":4705.21,"body":"it's adios and take care out"},{"speaker":"Nick Lincoln","startTime":4702.12,"endTime":4705.21,"body":"there folks. Thank you for your"},{"speaker":"Nick Lincoln","startTime":4705.21,"endTime":4705.45,"body":"time."},{"speaker":"Unknown","startTime":4706.26,"endTime":4707.43,"body":"Bye bye bye bye"}]}