{"version":"1.0.0","segments":[{"speaker":"Unknown","startTime":7.859,"endTime":12.899,"body":"Welcome to The Real"},{"speaker":"Unknown","startTime":7.859,"endTime":12.899,"body":"advisor podcast, t r a p twerp"},{"speaker":"Unknown","startTime":13.259,"endTime":16.499,"body":"please follow us and join in the"},{"speaker":"Unknown","startTime":13.259,"endTime":16.499,"body":"conversation on Twitter at"},{"speaker":"Unknown","startTime":16.499,"endTime":20.219,"body":"advisor podcast where you can"},{"speaker":"Unknown","startTime":16.499,"endTime":20.219,"body":"suggest ideas and themes you'd"},{"speaker":"Unknown","startTime":20.219,"endTime":23.699,"body":"like the truck team to discuss."},{"speaker":"Unknown","startTime":20.219,"endTime":23.699,"body":"Also remember to like and"},{"speaker":"Unknown","startTime":23.699,"endTime":27.329,"body":"subscribe to our YouTube channel"},{"speaker":"Unknown","startTime":23.699,"endTime":27.329,"body":"and leave a six out of five star"},{"speaker":"Unknown","startTime":27.329,"endTime":31.289,"body":"review on iTunes. Doing all this"},{"speaker":"Unknown","startTime":27.329,"endTime":31.289,"body":"really really helps us which"},{"speaker":"Unknown","startTime":31.289,"endTime":34.769,"body":"means we can do more to help"},{"speaker":"Unknown","startTime":31.289,"endTime":34.769,"body":"you. Now let's head over to the"},{"speaker":"Unknown","startTime":34.769,"endTime":37.079,"body":"studio for the latest pilot trap"},{"speaker":"Nick Lincoln","startTime":43.2,"endTime":45.81,"body":"yes indeed, dear"},{"speaker":"Nick Lincoln","startTime":43.2,"endTime":45.81,"body":"TRAPPIST, welcome back to what"},{"speaker":"Nick Lincoln","startTime":45.81,"endTime":50.13,"body":"many people are calling episode"},{"speaker":"Nick Lincoln","startTime":45.81,"endTime":50.13,"body":"27 of the real advisor podcast T"},{"speaker":"Nick Lincoln","startTime":50.16,"endTime":54.45,"body":"R A P trap. My name remains"},{"speaker":"Nick Lincoln","startTime":50.16,"endTime":54.45,"body":"Lincoln and joining me as ever"},{"speaker":"Nick Lincoln","startTime":54.45,"endTime":59.58,"body":"are the three other Horsemen of"},{"speaker":"Nick Lincoln","startTime":54.45,"endTime":59.58,"body":"the Apocalypse. Andy Hart, Alan"},{"speaker":"Nick Lincoln","startTime":59.67,"endTime":63.6,"body":"ill nallah Torrey Smith and Carl"},{"speaker":"Nick Lincoln","startTime":59.67,"endTime":63.6,"body":"della Bochy, which are now"},{"speaker":"Nick Lincoln","startTime":63.6,"endTime":67.02,"body":"gentlemen We have a show packed"},{"speaker":"Nick Lincoln","startTime":63.6,"endTime":67.02,"body":"full of absolutely nothing so"},{"speaker":"Nick Lincoln","startTime":67.02,"endTime":68.25,"body":"let's start packing it straight"},{"speaker":"Nick Lincoln","startTime":67.02,"endTime":68.25,"body":"away"},{"speaker":"Unknown","startTime":68.28,"endTime":69.57,"body":"we know"},{"speaker":"Andy Hart","startTime":73.98,"endTime":75.69,"body":"counting on me for to"},{"speaker":"Alan Smith","startTime":75.96,"endTime":83.07,"body":"carry me Oh, swing"},{"speaker":"Alan Smith","startTime":75.96,"endTime":83.07,"body":"we'll see the rugby the weekend"},{"speaker":"Alan Smith","startTime":83.94,"endTime":85.44,"body":"called Do you see any rugby that"},{"speaker":"Alan Smith","startTime":83.94,"endTime":85.44,"body":"weekend?"},{"speaker":"Carl Widger","startTime":85.8,"endTime":88.74,"body":"I saw a little bit"},{"speaker":"Carl Widger","startTime":85.8,"endTime":88.74,"body":"but what I what I did actually"},{"speaker":"Carl Widger","startTime":88.74,"endTime":94.65,"body":"see was the Rugby World Cup or"},{"speaker":"Carl Widger","startTime":88.74,"endTime":94.65,"body":"the rugby rankings rankings. 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And just for our"},{"speaker":"Carl Widger","startTime":136.35,"endTime":140.19,"body":"listeners"},{"speaker":"Andy Hart","startTime":142.5,"endTime":144.06,"body":"the sevens rankings"},{"speaker":"Andy Hart","startTime":142.5,"endTime":144.06,"body":"are the fifth"},{"speaker":"Alan Smith","startTime":147.81,"endTime":149.55,"body":"there's no big"},{"speaker":"Alan Smith","startTime":147.81,"endTime":149.55,"body":"tournament starting anytime"},{"speaker":"Alan Smith","startTime":149.55,"endTime":150.21,"body":"soon. So it's"},{"speaker":"Carl Widger","startTime":151.2,"endTime":155.1,"body":"taking the Six"},{"speaker":"Carl Widger","startTime":151.2,"endTime":155.1,"body":"Nations group hardtops lagging"},{"speaker":"Carl Widger","startTime":155.1,"endTime":156.03,"body":"very well. Are you?"},{"speaker":"Nick Lincoln","startTime":157.35,"endTime":160.44,"body":"I think I've given"},{"speaker":"Nick Lincoln","startTime":157.35,"endTime":160.44,"body":"you can say what you like most"},{"speaker":"Nick Lincoln","startTime":160.44,"endTime":163.47,"body":"Yeah, I agree with you. I have"},{"speaker":"Nick Lincoln","startTime":160.44,"endTime":163.47,"body":"no defense. I have no defensive"},{"speaker":"Nick Lincoln","startTime":163.47,"endTime":165.99,"body":"England whatsoever. So how about"},{"speaker":"Nick Lincoln","startTime":163.47,"endTime":165.99,"body":"it I'm looking forward to seeing"},{"speaker":"Nick Lincoln","startTime":165.99,"endTime":168.39,"body":"garland hoist the World Cup."},{"speaker":"Carl Widger","startTime":170.55,"endTime":173.28,"body":"Not exactly what"},{"speaker":"Carl Widger","startTime":170.55,"endTime":173.28,"body":"you said in the WhatsApp group"},{"speaker":"Carl Widger","startTime":173.28,"endTime":178.53,"body":"last night. But anyway. Yeah, we"},{"speaker":"Carl Widger","startTime":173.28,"endTime":178.53,"body":"should see. I did however, watch"},{"speaker":"Carl Widger","startTime":178.53,"endTime":181.77,"body":"South Africa play in New Zealand"},{"speaker":"Carl Widger","startTime":178.53,"endTime":181.77,"body":"and demolish New Zealand"},{"speaker":"Carl Widger","startTime":181.77,"endTime":186.27,"body":"including bringing on seven"},{"speaker":"Carl Widger","startTime":181.77,"endTime":186.27,"body":"exactly seven new forwards after"},{"speaker":"Carl Widger","startTime":186.27,"endTime":191.1,"body":"45 minutes. And the seven new"},{"speaker":"Carl Widger","startTime":186.27,"endTime":191.1,"body":"forwards were better than 704"},{"speaker":"Carl Widger","startTime":191.4,"endTime":196.8,"body":"fresh legs top seven. Wow. Oh my"},{"speaker":"Carl Widger","startTime":191.4,"endTime":196.8,"body":"god. So first time ever a 717"},{"speaker":"Carl Widger","startTime":196.8,"endTime":199.8,"body":"forwards and one back split was"},{"speaker":"Carl Widger","startTime":196.8,"endTime":199.8,"body":"done. Everyone said his madness."},{"speaker":"Nick Lincoln","startTime":200.28,"endTime":202.65,"body":"that separate the"},{"speaker":"Nick Lincoln","startTime":200.28,"endTime":202.65,"body":"bench would start for most teams"},{"speaker":"Nick Lincoln","startTime":202.77,"endTime":203.76,"body":"Razzie knows"},{"speaker":"Carl Widger","startTime":203.76,"endTime":207.87,"body":"what he's doing."},{"speaker":"Carl Widger","startTime":203.76,"endTime":207.87,"body":"For me, watching the rugby that"},{"speaker":"Carl Widger","startTime":207.87,"endTime":211.44,"body":"South Africa have to be hot"},{"speaker":"Carl Widger","startTime":207.87,"endTime":211.44,"body":"favorites. 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It's"},{"speaker":"Alan Smith","startTime":224.85,"endTime":225.6,"body":"great to see."},{"speaker":"Carl Widger","startTime":227.19,"endTime":229.95,"body":"Whales or even"},{"speaker":"Carl Widger","startTime":227.19,"endTime":229.95,"body":"worse than England with"},{"speaker":"Alan Smith","startTime":231.12,"endTime":232.47,"body":"their top seats."},{"speaker":"Alan Smith","startTime":231.12,"endTime":232.47,"body":"Yeah."},{"speaker":"Carl Widger","startTime":232.53,"endTime":234.66,"body":"All right, because"},{"speaker":"Carl Widger","startTime":232.53,"endTime":234.66,"body":"then our goal well, we need to"},{"speaker":"Carl Widger","startTime":234.66,"endTime":235.77,"body":"move on. Okay, right."},{"speaker":"Nick Lincoln","startTime":236.67,"endTime":238.98,"body":"I'll give you four"},{"speaker":"Nick Lincoln","startTime":236.67,"endTime":238.98,"body":"minutes to enjoy your peak form"},{"speaker":"Nick Lincoln","startTime":238.98,"endTime":241.74,"body":"before World Cup. I'm looking"},{"speaker":"Nick Lincoln","startTime":238.98,"endTime":241.74,"body":"forward to the Irish slump that"},{"speaker":"Nick Lincoln","startTime":241.74,"endTime":244.41,"body":"always happens during the World"},{"speaker":"Nick Lincoln","startTime":241.74,"endTime":244.41,"body":"Cup. Okay, Andrew, some"},{"speaker":"Nick Lincoln","startTime":244.41,"endTime":246.75,"body":"highenergy reviews of the show,"},{"speaker":"Nick Lincoln","startTime":244.41,"endTime":246.75,"body":"please that don't involve rugby."},{"speaker":"Andy Hart","startTime":247.47,"endTime":250.17,"body":"Okay, I'll try and"},{"speaker":"Andy Hart","startTime":247.47,"endTime":250.17,"body":"avoid rugby number one five bars"},{"speaker":"Andy Hart","startTime":250.17,"endTime":254.19,"body":"from Rob Nick. Keep it up guys."},{"speaker":"Andy Hart","startTime":250.17,"endTime":254.19,"body":"You are bettering the IFA sector"},{"speaker":"Andy Hart","startTime":254.19,"endTime":257.67,"body":"one episode at a time when a new"},{"speaker":"Andy Hart","startTime":254.19,"endTime":257.67,"body":"pod drops it's an immediate"},{"speaker":"Andy Hart","startTime":257.67,"endTime":262.26,"body":"listen six stars. Next up MJ"},{"speaker":"Andy Hart","startTime":257.67,"endTime":262.26,"body":"financial planning concise,"},{"speaker":"Andy Hart","startTime":262.26,"endTime":266.01,"body":"informative and considered and"},{"speaker":"Andy Hart","startTime":262.26,"endTime":266.01,"body":"considered listen five stars. I"},{"speaker":"Andy Hart","startTime":266.01,"endTime":268.23,"body":"decided to listen to the"},{"speaker":"Andy Hart","startTime":266.01,"endTime":268.23,"body":"podcasts for the first time this"},{"speaker":"Andy Hart","startTime":268.23,"endTime":271.89,"body":"week primarily because of the"},{"speaker":"Andy Hart","startTime":268.23,"endTime":271.89,"body":"subject matter being SJP. I've"},{"speaker":"Andy Hart","startTime":271.89,"endTime":274.23,"body":"been in financial planning for"},{"speaker":"Andy Hart","startTime":271.89,"endTime":274.23,"body":"over 30 years, but I've only had"},{"speaker":"Andy Hart","startTime":274.23,"endTime":277.05,"body":"a practice in SJP for the past"},{"speaker":"Andy Hart","startTime":274.23,"endTime":277.05,"body":"four. During that time, I've"},{"speaker":"Andy Hart","startTime":277.05,"endTime":279.72,"body":"listened to and read countless"},{"speaker":"Andy Hart","startTime":277.05,"endTime":279.72,"body":"defamatory comments made towards"},{"speaker":"Andy Hart","startTime":279.72,"endTime":282.75,"body":"SAP. So when I saw the subject"},{"speaker":"Andy Hart","startTime":279.72,"endTime":282.75,"body":"matter of this podcast was"},{"speaker":"Andy Hart","startTime":282.78,"endTime":285.81,"body":"always expected much of the"},{"speaker":"Andy Hart","startTime":282.78,"endTime":285.81,"body":"same. It was therefore very"},{"speaker":"Andy Hart","startTime":285.81,"endTime":288.69,"body":"refreshing to hear logical"},{"speaker":"Andy Hart","startTime":285.81,"endTime":288.69,"body":"conversations about SJP and I"},{"speaker":"Andy Hart","startTime":288.69,"endTime":291.24,"body":"found myself being very much in"},{"speaker":"Andy Hart","startTime":288.69,"endTime":291.24,"body":"agreement with all the points"},{"speaker":"Andy Hart","startTime":291.27,"endTime":294.69,"body":"raised good and bad. This"},{"speaker":"Andy Hart","startTime":291.27,"endTime":294.69,"body":"concise informative and consider"},{"speaker":"Andy Hart","startTime":294.69,"endTime":297.51,"body":"listen is now clearly marked on"},{"speaker":"Andy Hart","startTime":294.69,"endTime":297.51,"body":"my podcast favorites to download"},{"speaker":"Andy Hart","startTime":297.54,"endTime":300.66,"body":"each week and look forward to"},{"speaker":"Andy Hart","startTime":297.54,"endTime":300.66,"body":"listening to many more In the"},{"speaker":"Andy Hart","startTime":300.66,"endTime":302.22,"body":"future, that's the boss."},{"speaker":"Nick Lincoln","startTime":303.27,"endTime":305.34,"body":"Thank you very"},{"speaker":"Nick Lincoln","startTime":303.27,"endTime":305.34,"body":"much, Andrew. Thank you as ever"},{"speaker":"Nick Lincoln","startTime":305.34,"endTime":310.41,"body":"for your reviews they do give us"},{"speaker":"Nick Lincoln","startTime":305.34,"endTime":310.41,"body":"a shot in the arm. Yeah, shot in"},{"speaker":"Nick Lincoln","startTime":310.41,"endTime":312.45,"body":"the arms what the worst shot in"},{"speaker":"Nick Lincoln","startTime":310.41,"endTime":312.45,"body":"the head actually building a"},{"speaker":"Nick Lincoln","startTime":312.45,"endTime":316.44,"body":"rugby team. Okay, we have as"},{"speaker":"Nick Lincoln","startTime":312.45,"endTime":316.44,"body":"crap as the real advisor podcast"},{"speaker":"Nick Lincoln","startTime":316.44,"endTime":319.17,"body":"somehow scrapes our way to"},{"speaker":"Nick Lincoln","startTime":316.44,"endTime":319.17,"body":"50,000 plus downloads. In fact,"},{"speaker":"Nick Lincoln","startTime":319.17,"endTime":322.65,"body":"we're now at about 65,000"},{"speaker":"Nick Lincoln","startTime":319.17,"endTime":322.65,"body":"downloads, which is pretty"},{"speaker":"Nick Lincoln","startTime":322.65,"endTime":326.22,"body":"remarkable for a niche podcast"},{"speaker":"Nick Lincoln","startTime":322.65,"endTime":326.22,"body":"aimed at a very specific"},{"speaker":"Nick Lincoln","startTime":326.22,"endTime":328.77,"body":"audience that only comes out"},{"speaker":"Nick Lincoln","startTime":326.22,"endTime":328.77,"body":"once every two weeks. 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So it'll be useful"},{"speaker":"Nick Lincoln","startTime":341.73,"endTime":345.93,"body":"July ish kind of time 2020"},{"speaker":"Nick Lincoln","startTime":345.93,"endTime":348.87,"body":"forward, we're looking to do"},{"speaker":"Nick Lincoln","startTime":345.93,"endTime":348.87,"body":"Christ knows how we're ever"},{"speaker":"Nick Lincoln","startTime":348.87,"endTime":350.52,"body":"going to get this organized"},{"speaker":"Nick Lincoln","startTime":348.87,"endTime":350.52,"body":"without killing each other. But"},{"speaker":"Nick Lincoln","startTime":350.52,"endTime":352.83,"body":"we're going to do a trap and"},{"speaker":"Nick Lincoln","startTime":350.52,"endTime":352.83,"body":"live event of some sort and"},{"speaker":"Nick Lincoln","startTime":352.83,"endTime":355.29,"body":"there is there is significant"},{"speaker":"Nick Lincoln","startTime":352.83,"endTime":355.29,"body":"interest out there. We have we"},{"speaker":"Nick Lincoln","startTime":355.29,"endTime":358.71,"body":"have tested the waters on this."},{"speaker":"Nick Lincoln","startTime":355.29,"endTime":358.71,"body":"So that will be happening. So"},{"speaker":"Nick Lincoln","startTime":358.71,"endTime":361.8,"body":"just keep an eye out for that as"},{"speaker":"Nick Lincoln","startTime":358.71,"endTime":361.8,"body":"we get nearer the time. Okay."},{"speaker":"Nick Lincoln","startTime":362.55,"endTime":365.7,"body":"Okay, let's start with some some"},{"speaker":"Nick Lincoln","startTime":362.55,"endTime":365.7,"body":"good news because it is easy to"},{"speaker":"Nick Lincoln","startTime":365.7,"endTime":368.97,"body":"get mired in negativity, some"},{"speaker":"Nick Lincoln","startTime":365.7,"endTime":368.97,"body":"sometimes in what we do in"},{"speaker":"Nick Lincoln","startTime":368.97,"endTime":373.11,"body":"financial services. 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So that was"},{"speaker":"Carl Widger","startTime":452.73,"endTime":456.6,"body":"that was kind of interesting."},{"speaker":"Carl Widger","startTime":456.6,"endTime":460.83,"body":"And I think they handled that PR"},{"speaker":"Carl Widger","startTime":456.6,"endTime":460.83,"body":"wise from a very poor point of"},{"speaker":"Carl Widger","startTime":460.83,"endTime":465.09,"body":"view. But I was in a big tech"},{"speaker":"Carl Widger","startTime":460.83,"endTime":465.09,"body":"firm in Dublin a couple of weeks"},{"speaker":"Carl Widger","startTime":465.09,"endTime":468.57,"body":"ago. And they were telling me"},{"speaker":"Carl Widger","startTime":465.09,"endTime":468.57,"body":"that they've also insisted that"},{"speaker":"Carl Widger","startTime":468.57,"endTime":472.95,"body":"everyone comes back to the"},{"speaker":"Carl Widger","startTime":468.57,"endTime":472.95,"body":"office with an optional two days"},{"speaker":"Carl Widger","startTime":473.58,"endTime":478.02,"body":"working from home based on"},{"speaker":"Carl Widger","startTime":473.58,"endTime":478.02,"body":"hitting KPIs. So look, it seems"},{"speaker":"Carl Widger","startTime":478.02,"endTime":480.63,"body":"like the working from home"},{"speaker":"Carl Widger","startTime":478.02,"endTime":480.63,"body":"paying certainly for the bigger"},{"speaker":"Carl Widger","startTime":480.66,"endTime":485.58,"body":"corporations doesn't seem to be"},{"speaker":"Carl Widger","startTime":480.66,"endTime":485.58,"body":"working. I know there's kind of"},{"speaker":"Carl Widger","startTime":485.58,"endTime":490.89,"body":"different viewpoints on in this"},{"speaker":"Carl Widger","startTime":485.58,"endTime":490.89,"body":"group about that. But but I've"},{"speaker":"Carl Widger","startTime":490.89,"endTime":495.81,"body":"always had the view that look,"},{"speaker":"Carl Widger","startTime":490.89,"endTime":495.81,"body":"yeah, we need to be kind of"},{"speaker":"Carl Widger","startTime":495.81,"endTime":499.17,"body":"drawn up about it and give"},{"speaker":"Carl Widger","startTime":495.81,"endTime":499.17,"body":"people an option of a day or so."},{"speaker":"Carl Widger","startTime":499.74,"endTime":503.4,"body":"From home. And we do have, you"},{"speaker":"Carl Widger","startTime":499.74,"endTime":503.4,"body":"know, maybe one team member"},{"speaker":"Carl Widger","startTime":503.43,"endTime":509.19,"body":"entirely remotely. But my my"},{"speaker":"Carl Widger","startTime":503.43,"endTime":509.19,"body":"strong thoughts on this are that"},{"speaker":"Carl Widger","startTime":509.43,"endTime":511.95,"body":"you've got to be in the office"},{"speaker":"Carl Widger","startTime":509.43,"endTime":511.95,"body":"like, especially when you're"},{"speaker":"Carl Widger","startTime":512.01,"endTime":517.08,"body":"kind of a small, medium sized"},{"speaker":"Carl Widger","startTime":512.01,"endTime":517.08,"body":"firm, that the whole team ethic,"},{"speaker":"Carl Widger","startTime":517.11,"endTime":520.71,"body":"learning from each other those"},{"speaker":"Carl Widger","startTime":517.11,"endTime":520.71,"body":"infamous water cooler moments,"},{"speaker":"Carl Widger","startTime":520.71,"endTime":526.11,"body":"they actually do matter to do"},{"speaker":"Carl Widger","startTime":520.71,"endTime":526.11,"body":"work. So yeah, I think it's it's"},{"speaker":"Carl Widger","startTime":526.11,"endTime":529.68,"body":"nice to kind of get some"},{"speaker":"Carl Widger","startTime":526.11,"endTime":529.68,"body":"confirmation from from bigger"},{"speaker":"Carl Widger","startTime":529.68,"endTime":532.86,"body":"firms out there that that maybe"},{"speaker":"Carl Widger","startTime":529.68,"endTime":532.86,"body":"this is this is the thing, and"},{"speaker":"Carl Widger","startTime":532.86,"endTime":536.7,"body":"maybe it's the the slow death of"},{"speaker":"Carl Widger","startTime":532.86,"endTime":536.7,"body":"the working from home."},{"speaker":"Alan Smith","startTime":539.19,"endTime":545.04,"body":"Let me come in, if I"},{"speaker":"Alan Smith","startTime":539.19,"endTime":545.04,"body":"may on that one. You have seen"},{"speaker":"Alan Smith","startTime":545.04,"endTime":549.6,"body":"this a source? Yes. Isn't it"},{"speaker":"Alan Smith","startTime":545.04,"endTime":549.6,"body":"said sweetly ironic, zoom, the"},{"speaker":"Alan Smith","startTime":549.6,"endTime":551.7,"body":"big brand behind the work from"},{"speaker":"Alan Smith","startTime":549.6,"endTime":551.7,"body":"home and telling everyone to get"},{"speaker":"Alan Smith","startTime":551.7,"endTime":554.55,"body":"back into the office, as are"},{"speaker":"Alan Smith","startTime":551.7,"endTime":554.55,"body":"many others. Interesting, isn't"},{"speaker":"Alan Smith","startTime":554.55,"endTime":557.67,"body":"it that a lot of its big tech"},{"speaker":"Alan Smith","startTime":554.55,"endTime":557.67,"body":"companies is that are saying"},{"speaker":"Alan Smith","startTime":557.67,"endTime":562.92,"body":"this. You know, Tesla's talking"},{"speaker":"Alan Smith","startTime":557.67,"endTime":562.92,"body":"about Twitter, Google, all the"},{"speaker":"Alan Smith","startTime":563.76,"endTime":569.31,"body":"big, big, big companies to get"},{"speaker":"Alan Smith","startTime":563.76,"endTime":569.31,"body":"him back. So my take on this is"},{"speaker":"Alan Smith","startTime":569.31,"endTime":573.42,"body":"that it's a it's kind of"},{"speaker":"Alan Smith","startTime":569.31,"endTime":573.42,"body":"immature of the management of"},{"speaker":"Alan Smith","startTime":573.42,"endTime":578.82,"body":"the organization to demand this"},{"speaker":"Alan Smith","startTime":573.42,"endTime":578.82,"body":"is smacks of kind of a question"},{"speaker":"Alan Smith","startTime":578.82,"endTime":581.34,"body":"the culture in an organization"},{"speaker":"Alan Smith","startTime":578.82,"endTime":581.34,"body":"that has to insist on his"},{"speaker":"Alan Smith","startTime":581.34,"endTime":584.07,"body":"employees and where they"},{"speaker":"Alan Smith","startTime":581.34,"endTime":584.07,"body":"actually work from where they do"},{"speaker":"Alan Smith","startTime":584.07,"endTime":588.06,"body":"their best work. So I just"},{"speaker":"Alan Smith","startTime":584.07,"endTime":588.06,"body":"didn't take the view that people"},{"speaker":"Alan Smith","startTime":588.06,"endTime":591.0,"body":"should do their identify what"},{"speaker":"Alan Smith","startTime":588.06,"endTime":591.0,"body":"sort of work they're doing a"},{"speaker":"Alan Smith","startTime":591.0,"endTime":593.97,"body":"particular day, a particular"},{"speaker":"Alan Smith","startTime":591.0,"endTime":593.97,"body":"week and find the best location"},{"speaker":"Alan Smith","startTime":594.42,"endTime":597.27,"body":"to deliver that work. Some work"},{"speaker":"Alan Smith","startTime":594.42,"endTime":597.27,"body":"is best done in a collaborative"},{"speaker":"Alan Smith","startTime":597.27,"endTime":600.33,"body":"format, in an office environment"},{"speaker":"Alan Smith","startTime":597.27,"endTime":600.33,"body":"amongst other people and Some is"},{"speaker":"Alan Smith","startTime":600.36,"endTime":603.24,"body":"absolutely best done. And the"},{"speaker":"Alan Smith","startTime":600.36,"endTime":603.24,"body":"quietest place you can be if"},{"speaker":"Alan Smith","startTime":603.24,"endTime":607.23,"body":"that's home or somewhere else,"},{"speaker":"Alan Smith","startTime":603.24,"endTime":607.23,"body":"then that's what you should do."},{"speaker":"Alan Smith","startTime":607.47,"endTime":612.54,"body":"So we remain very flexible on"},{"speaker":"Alan Smith","startTime":607.47,"endTime":612.54,"body":"our sort of working practices."},{"speaker":"Alan Smith","startTime":612.54,"endTime":615.39,"body":"And people tend to come in the"},{"speaker":"Alan Smith","startTime":612.54,"endTime":615.39,"body":"office probably two days a week,"},{"speaker":"Alan Smith","startTime":616.02,"endTime":619.14,"body":"on average, and and work from"},{"speaker":"Alan Smith","startTime":616.02,"endTime":619.14,"body":"home, the rest of the time have"},{"speaker":"Alan Smith","startTime":619.14,"endTime":621.99,"body":"worked from somewhere else. And"},{"speaker":"Alan Smith","startTime":619.14,"endTime":621.99,"body":"it seems to work. In our line of"},{"speaker":"Alan Smith","startTime":621.99,"endTime":626.28,"body":"work. I think it's very, your"},{"speaker":"Alan Smith","startTime":621.99,"endTime":626.28,"body":"outputs are very known, you're"},{"speaker":"Alan Smith","startTime":626.28,"endTime":628.38,"body":"expected to do certain things,"},{"speaker":"Alan Smith","startTime":626.28,"endTime":628.38,"body":"you go client meetings in the"},{"speaker":"Alan Smith","startTime":628.38,"endTime":632.16,"body":"calendar, you got things to"},{"speaker":"Alan Smith","startTime":628.38,"endTime":632.16,"body":"deliver upon. And it's very"},{"speaker":"Alan Smith","startTime":632.16,"endTime":636.09,"body":"difficult to avoid that. So my"},{"speaker":"Alan Smith","startTime":632.16,"endTime":636.09,"body":"view is treat people as grown"},{"speaker":"Alan Smith","startTime":636.09,"endTime":637.08,"body":"ups and let them do what they"},{"speaker":"Alan Smith","startTime":636.09,"endTime":637.08,"body":"want."},{"speaker":"Carl Widger","startTime":637.47,"endTime":639.93,"body":"Yeah, valid points,"},{"speaker":"Carl Widger","startTime":637.47,"endTime":639.93,"body":"Alan. And what I would say in"},{"speaker":"Carl Widger","startTime":639.93,"endTime":643.62,"body":"that is, look, I suppose we've a"},{"speaker":"Carl Widger","startTime":639.93,"endTime":643.62,"body":"lot of new starters happening,"},{"speaker":"Carl Widger","startTime":644.16,"endTime":647.01,"body":"already has have happened and"},{"speaker":"Carl Widger","startTime":644.16,"endTime":647.01,"body":"will be happening over the next"},{"speaker":"Carl Widger","startTime":647.01,"endTime":650.4,"body":"few months think for starters,"},{"speaker":"Carl Widger","startTime":647.01,"endTime":650.4,"body":"it's really difficult to kind of"},{"speaker":"Carl Widger","startTime":650.43,"endTime":652.74,"body":"train someone in and bring them"},{"speaker":"Carl Widger","startTime":650.43,"endTime":652.74,"body":"into the culture of the business"},{"speaker":"Carl Widger","startTime":652.74,"endTime":655.26,"body":"when they're doing it from home."},{"speaker":"Carl Widger","startTime":652.74,"endTime":655.26,"body":"Number one. Number two, I would"},{"speaker":"Carl Widger","startTime":655.26,"endTime":658.95,"body":"say in Ireland, we're definitely"},{"speaker":"Carl Widger","startTime":655.26,"endTime":658.95,"body":"not at the levels of online"},{"speaker":"Carl Widger","startTime":658.95,"endTime":662.52,"body":"client meetings that you guys"},{"speaker":"Carl Widger","startTime":658.95,"endTime":662.52,"body":"are at. I think that's actually"},{"speaker":"Carl Widger","startTime":662.52,"endTime":665.97,"body":"a good thing. And that means"},{"speaker":"Carl Widger","startTime":662.52,"endTime":665.97,"body":"obviously, we need to have"},{"speaker":"Carl Widger","startTime":666.0,"endTime":670.86,"body":"people in the office for those"},{"speaker":"Carl Widger","startTime":666.0,"endTime":670.86,"body":"client meetings. And, you know,"},{"speaker":"Carl Widger","startTime":670.86,"endTime":673.71,"body":"we don't, you know, we have"},{"speaker":"Carl Widger","startTime":670.86,"endTime":673.71,"body":"always two people in each line"},{"speaker":"Carl Widger","startTime":673.71,"endTime":676.56,"body":"meeting. So look, there's,"},{"speaker":"Carl Widger","startTime":673.71,"endTime":676.56,"body":"there's pros and cons, I haven't"},{"speaker":"Carl Widger","startTime":676.56,"endTime":679.53,"body":"entirely made up my mind on it."},{"speaker":"Carl Widger","startTime":676.56,"endTime":679.53,"body":"But I'm comfortable with what"},{"speaker":"Carl Widger","startTime":679.53,"endTime":683.73,"body":"we've kind of landed on, which"},{"speaker":"Carl Widger","startTime":679.53,"endTime":683.73,"body":"is a semi flexible outlook. And"},{"speaker":"Carl Widger","startTime":683.73,"endTime":685.05,"body":"that's what we will continue to"},{"speaker":"Carl Widger","startTime":683.73,"endTime":685.05,"body":"do."},{"speaker":"Andy Hart","startTime":686.37,"endTime":689.55,"body":"I'm a massive fan of"},{"speaker":"Andy Hart","startTime":686.37,"endTime":689.55,"body":"the flexibility. Obviously, it"},{"speaker":"Andy Hart","startTime":689.91,"endTime":693.3,"body":"allows us before this quarter"},{"speaker":"Andy Hart","startTime":689.91,"endTime":693.3,"body":"meeting my accountant, I just"},{"speaker":"Andy Hart","startTime":693.3,"endTime":695.22,"body":"thought I'm probably never gonna"},{"speaker":"Andy Hart","startTime":693.3,"endTime":695.22,"body":"meet my accountant face to face"},{"speaker":"Andy Hart","startTime":695.22,"endTime":698.61,"body":"again. And he lives in London, I"},{"speaker":"Andy Hart","startTime":695.22,"endTime":698.61,"body":"used to see him face to face"},{"speaker":"Andy Hart","startTime":698.61,"endTime":699.24,"body":"quite a bit."},{"speaker":"Nick Lincoln","startTime":699.96,"endTime":702.39,"body":"So when it's a win"},{"speaker":"Nick Lincoln","startTime":699.96,"endTime":702.39,"body":"win for both of us."},{"speaker":"Andy Hart","startTime":703.29,"endTime":706.26,"body":"i The hybrid is"},{"speaker":"Andy Hart","startTime":703.29,"endTime":706.26,"body":"fantastic. So two days in the"},{"speaker":"Andy Hart","startTime":706.26,"endTime":708.78,"body":"office or three days in the"},{"speaker":"Andy Hart","startTime":706.26,"endTime":708.78,"body":"office, I think employees can"},{"speaker":"Andy Hart","startTime":708.78,"endTime":712.26,"body":"answer anything better. Yeah,"},{"speaker":"Andy Hart","startTime":708.78,"endTime":712.26,"body":"it's a big challenge when"},{"speaker":"Andy Hart","startTime":712.26,"endTime":716.73,"body":"you're, you know, onboarding new"},{"speaker":"Andy Hart","startTime":712.26,"endTime":716.73,"body":"staff members remotely. Yeah,"},{"speaker":"Andy Hart","startTime":716.73,"endTime":719.7,"body":"that that's, I suppose the"},{"speaker":"Andy Hart","startTime":716.73,"endTime":719.7,"body":"biggest challenge, but once they"},{"speaker":"Andy Hart","startTime":719.7,"endTime":723.9,"body":"sort of bedded in and they know"},{"speaker":"Andy Hart","startTime":719.7,"endTime":723.9,"body":"everybody, yeah, it's given them"},{"speaker":"Andy Hart","startTime":723.9,"endTime":727.71,"body":"that that flexibility."},{"speaker":"Andy Hart","startTime":723.9,"endTime":727.71,"body":"Obviously, again, clients, a new"},{"speaker":"Andy Hart","startTime":727.71,"endTime":730.62,"body":"client contacted me the other"},{"speaker":"Andy Hart","startTime":727.71,"endTime":730.62,"body":"day, and said, he wants to"},{"speaker":"Andy Hart","startTime":730.65,"endTime":733.8,"body":"potentially become a client,"},{"speaker":"Andy Hart","startTime":730.65,"endTime":733.8,"body":"however he wants to meet face to"},{"speaker":"Andy Hart","startTime":733.8,"endTime":737.16,"body":"face. And I said, Oh, can we not"},{"speaker":"Andy Hart","startTime":733.8,"endTime":737.16,"body":"do it via zoom? And he said, Oh,"},{"speaker":"Andy Hart","startTime":737.16,"endTime":739.62,"body":"yeah, it's fine doing it via"},{"speaker":"Andy Hart","startTime":737.16,"endTime":739.62,"body":"zoom, I was thinking, I didn't"},{"speaker":"Andy Hart","startTime":739.65,"endTime":742.65,"body":"quite know what he was what he's"},{"speaker":"Andy Hart","startTime":739.65,"endTime":742.65,"body":"up to. Anyway, I find it way"},{"speaker":"Andy Hart","startTime":742.65,"endTime":745.86,"body":"more efficient, especially in"},{"speaker":"Andy Hart","startTime":742.65,"endTime":745.86,"body":"London, it is challenging, if"},{"speaker":"Andy Hart","startTime":745.86,"endTime":749.25,"body":"you've got, you know, a couple"},{"speaker":"Andy Hart","startTime":745.86,"endTime":749.25,"body":"that both have jobs and kids."},{"speaker":"Andy Hart","startTime":749.25,"endTime":751.98,"body":"And, you know, I've taken on"},{"speaker":"Andy Hart","startTime":749.25,"endTime":751.98,"body":"loads of clients during the"},{"speaker":"Andy Hart","startTime":751.98,"endTime":754.38,"body":"COVID times and I plan to never"},{"speaker":"Andy Hart","startTime":751.98,"endTime":754.38,"body":"ever meet them. And I know"},{"speaker":"Andy Hart","startTime":754.38,"endTime":758.25,"body":"Nick's pretty much 100% Zoom. So"},{"speaker":"Andy Hart","startTime":754.38,"endTime":758.25,"body":"yeah, it's a it's interesting,"},{"speaker":"Andy Hart","startTime":758.25,"endTime":761.49,"body":"that Zoom are insisting on some"},{"speaker":"Andy Hart","startTime":758.25,"endTime":761.49,"body":"of their employees being a bit"},{"speaker":"Andy Hart","startTime":761.49,"endTime":764.52,"body":"more present in the office. I'm"},{"speaker":"Andy Hart","startTime":761.49,"endTime":764.52,"body":"pretty sure they won't say in"},{"speaker":"Andy Hart","startTime":764.52,"endTime":766.95,"body":"five days, but they will"},{"speaker":"Andy Hart","startTime":764.52,"endTime":766.95,"body":"certainly try and try to ratchet"},{"speaker":"Andy Hart","startTime":766.95,"endTime":770.76,"body":"it up. That is the general sort"},{"speaker":"Andy Hart","startTime":766.95,"endTime":770.76,"body":"of flow, isn't it? A companies"},{"speaker":"Andy Hart","startTime":770.76,"endTime":775.35,"body":"are insisting that more time is"},{"speaker":"Andy Hart","startTime":770.76,"endTime":775.35,"body":"spent, you know, in physical"},{"speaker":"Andy Hart","startTime":775.35,"endTime":777.96,"body":"offices. So yeah. Interesting."},{"speaker":"Andy Hart","startTime":775.35,"endTime":777.96,"body":"Factory boss."},{"speaker":"Nick Lincoln","startTime":779.55,"endTime":782.04,"body":"Okay, good stuff,"},{"speaker":"Nick Lincoln","startTime":779.55,"endTime":782.04,"body":"Alan, just well, we this, we"},{"speaker":"Nick Lincoln","startTime":782.04,"endTime":783.84,"body":"will keep this in the show, but"},{"speaker":"Nick Lincoln","startTime":782.04,"endTime":783.84,"body":"just check your speakers. Yeah,"},{"speaker":"Nick Lincoln","startTime":783.87,"endTime":787.14,"body":"because I've got your speakers"},{"speaker":"Nick Lincoln","startTime":783.87,"endTime":787.14,"body":"coming up as the real tech. So"},{"speaker":"Nick Lincoln","startTime":787.17,"endTime":789.57,"body":"your headphones might not be"},{"speaker":"Nick Lincoln","startTime":787.17,"endTime":789.57,"body":"your active speakers. So if you"},{"speaker":"Nick Lincoln","startTime":789.57,"endTime":792.48,"body":"can meet yourself and sort that"},{"speaker":"Nick Lincoln","startTime":789.57,"endTime":792.48,"body":"out, we'll, we'll crack on with"},{"speaker":"Nick Lincoln","startTime":792.48,"endTime":797.07,"body":"the conversation. So okay, news"},{"speaker":"Nick Lincoln","startTime":792.48,"endTime":797.07,"body":"item that I saw, which just kind"},{"speaker":"Nick Lincoln","startTime":797.07,"endTime":799.44,"body":"of blew my mind, really,"},{"speaker":"Nick Lincoln","startTime":797.07,"endTime":799.44,"body":"especially for you know, as we"},{"speaker":"Nick Lincoln","startTime":799.44,"endTime":803.88,"body":"call it, we we call ourselves"},{"speaker":"Nick Lincoln","startTime":799.44,"endTime":803.88,"body":"real, real financial advisors"},{"speaker":"Nick Lincoln","startTime":803.88,"endTime":806.13,"body":"where the real advice podcast"},{"speaker":"Nick Lincoln","startTime":803.88,"endTime":806.13,"body":"because we think that financial"},{"speaker":"Nick Lincoln","startTime":806.13,"endTime":809.34,"body":"planning is paramount. And the"},{"speaker":"Nick Lincoln","startTime":806.13,"endTime":809.34,"body":"investment solution is just the"},{"speaker":"Nick Lincoln","startTime":809.34,"endTime":811.95,"body":"end result isn't it's not what"},{"speaker":"Nick Lincoln","startTime":809.34,"endTime":811.95,"body":"we're about. That's just one of"},{"speaker":"Nick Lincoln","startTime":811.95,"endTime":814.92,"body":"the moving parts. And so we all"},{"speaker":"Nick Lincoln","startTime":811.95,"endTime":814.92,"body":"of us, and I think a lot of the"},{"speaker":"Nick Lincoln","startTime":814.92,"endTime":817.86,"body":"trappers who listen to us are"},{"speaker":"Nick Lincoln","startTime":814.92,"endTime":817.86,"body":"kind of refined and honed our"},{"speaker":"Nick Lincoln","startTime":817.86,"endTime":820.92,"body":"investment proposition over the"},{"speaker":"Nick Lincoln","startTime":817.86,"endTime":820.92,"body":"years, to really cut back on the"},{"speaker":"Nick Lincoln","startTime":820.92,"endTime":823.44,"body":"number of funds, we're offering"},{"speaker":"Nick Lincoln","startTime":820.92,"endTime":823.44,"body":"to have streamlined portfolios"},{"speaker":"Nick Lincoln","startTime":823.44,"endTime":826.5,"body":"that give you broad global"},{"speaker":"Nick Lincoln","startTime":823.44,"endTime":826.5,"body":"exposure and the Trappists. And"},{"speaker":"Nick Lincoln","startTime":826.5,"endTime":828.87,"body":"you guys know that I've gone"},{"speaker":"Nick Lincoln","startTime":826.5,"endTime":828.87,"body":"taken that to the nth degree."},{"speaker":"Nick Lincoln","startTime":828.87,"endTime":831.93,"body":"Now I have the one fund for my"},{"speaker":"Nick Lincoln","startTime":828.87,"endTime":831.93,"body":"equity exposure. 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It's just, it's just a"},{"speaker":"Nick Lincoln","startTime":869.55,"endTime":871.62,"body":"different world out there, isn't"},{"speaker":"Nick Lincoln","startTime":869.55,"endTime":871.62,"body":"it? The old school industrial"},{"speaker":"Nick Lincoln","startTime":871.62,"endTime":875.7,"body":"manufacturing, so, you know,"},{"speaker":"Nick Lincoln","startTime":871.62,"endTime":875.7,"body":"imagine you were an advisor and"},{"speaker":"Nick Lincoln","startTime":875.7,"endTime":876.84,"body":"you're trying to you know,"},{"speaker":"Nick Lincoln","startTime":875.7,"endTime":876.84,"body":"you've got to climb at the"},{"speaker":"Nick Lincoln","startTime":876.84,"endTime":879.84,"body":"Scottish Widows pension and you"},{"speaker":"Nick Lincoln","startTime":876.84,"endTime":879.84,"body":"know, force your 50 funds or"},{"speaker":"Nick Lincoln","startTime":879.84,"endTime":881.94,"body":"something, you just want to"},{"speaker":"Nick Lincoln","startTime":879.84,"endTime":881.94,"body":"justify your existence. I mean,"},{"speaker":"Nick Lincoln","startTime":882.27,"endTime":885.18,"body":"just just brought it up because"},{"speaker":"Nick Lincoln","startTime":882.27,"endTime":885.18,"body":"it just seems to be sort of, in"},{"speaker":"Nick Lincoln","startTime":885.21,"endTime":888.84,"body":"contrast to to how a certain"},{"speaker":"Nick Lincoln","startTime":885.21,"endTime":888.84,"body":"segment of the advice community"},{"speaker":"Nick Lincoln","startTime":888.87,"endTime":891.9,"body":"is moving eg you know, what we"},{"speaker":"Nick Lincoln","startTime":888.87,"endTime":891.9,"body":"were calling quote, real"},{"speaker":"Nick Lincoln","startTime":891.9,"endTime":893.79,"body":"advisors, which I know gets"},{"speaker":"Nick Lincoln","startTime":891.9,"endTime":893.79,"body":"people's hackles up, but we"},{"speaker":"Nick Lincoln","startTime":893.79,"endTime":896.52,"body":"don't really care about that,"},{"speaker":"Nick Lincoln","startTime":893.79,"endTime":896.52,"body":"guys, there'll be a link there's"},{"speaker":"Nick Lincoln","startTime":896.52,"endTime":898.68,"body":"a link to that in the so called"},{"speaker":"Nick Lincoln","startTime":896.52,"endTime":898.68,"body":"show notes that city wire"},{"speaker":"Nick Lincoln","startTime":898.68,"endTime":902.25,"body":"article but not and something"},{"speaker":"Nick Lincoln","startTime":898.68,"endTime":902.25,"body":"else that I thought was nuts is"},{"speaker":"Nick Lincoln","startTime":902.25,"endTime":906.0,"body":"a Capitan and no one seems to"},{"speaker":"Nick Lincoln","startTime":902.25,"endTime":906.0,"body":"have a good word for capita and"},{"speaker":"Nick Lincoln","startTime":906.87,"endTime":910.47,"body":"not all shaycarl capital exist"},{"speaker":"Nick Lincoln","startTime":906.87,"endTime":910.47,"body":"in Ireland are they are they?"},{"speaker":"Nick Lincoln","startTime":910.89,"endTime":916.08,"body":"Okay? Well capital are one of"},{"speaker":"Nick Lincoln","startTime":910.89,"endTime":916.08,"body":"these sort of scheme, DB scheme"},{"speaker":"Nick Lincoln","startTime":916.08,"endTime":919.65,"body":"trustees slash actuary slash"},{"speaker":"Nick Lincoln","startTime":916.08,"endTime":919.65,"body":"admin and they just uniformly"},{"speaker":"Nick Lincoln","startTime":919.65,"endTime":921.81,"body":"get slagged off by anybody who"},{"speaker":"Nick Lincoln","startTime":919.65,"endTime":921.81,"body":"comes into contact with them."},{"speaker":"Nick Lincoln","startTime":921.81,"endTime":924.57,"body":"Anyway, it turns out that capita"},{"speaker":"Nick Lincoln","startTime":921.81,"endTime":924.57,"body":"a few years ago, when the"},{"speaker":"Nick Lincoln","startTime":924.57,"endTime":928.32,"body":"transfer value market from db to"},{"speaker":"Nick Lincoln","startTime":924.57,"endTime":928.32,"body":"DC was was all the rage because"},{"speaker":"Nick Lincoln","startTime":928.32,"endTime":931.29,"body":"transfer values are very high"},{"speaker":"Nick Lincoln","startTime":928.32,"endTime":931.29,"body":"capital being capital cocked up"},{"speaker":"Nick Lincoln","startTime":931.29,"endTime":934.35,"body":"the transfer values and quite a"},{"speaker":"Nick Lincoln","startTime":931.29,"endTime":934.35,"body":"number of these transfers and"},{"speaker":"Nick Lincoln","startTime":934.35,"endTime":940.05,"body":"paid away too much. And then now"},{"speaker":"Nick Lincoln","startTime":934.35,"endTime":940.05,"body":"actually going to these people"},{"speaker":"Nick Lincoln","startTime":940.05,"endTime":942.39,"body":"to the people that receive these"},{"speaker":"Nick Lincoln","startTime":940.05,"endTime":942.39,"body":"DB transfers and say we need"},{"speaker":"Nick Lincoln","startTime":942.39,"endTime":946.77,"body":"some of the money back now Good"},{"speaker":"Nick Lincoln","startTime":942.39,"endTime":946.77,"body":"luck with that. Good Good luck"},{"speaker":"Nick Lincoln","startTime":946.77,"endTime":948.69,"body":"with that from the from the"},{"speaker":"Nick Lincoln","startTime":946.77,"endTime":948.69,"body":"fair. No, I haven't looked I"},{"speaker":"Nick Lincoln","startTime":948.69,"endTime":950.52,"body":"don't know the weeds about this."},{"speaker":"Nick Lincoln","startTime":948.69,"endTime":950.52,"body":"I don't know how you get the"},{"speaker":"Nick Lincoln","startTime":950.52,"endTime":953.28,"body":"money back. I mean, just because"},{"speaker":"Nick Lincoln","startTime":950.52,"endTime":953.28,"body":"obviously you might have seen 1"},{"speaker":"Nick Lincoln","startTime":953.28,"endTime":956.58,"body":"million quid in a pension but 10"},{"speaker":"Nick Lincoln","startTime":953.28,"endTime":956.58,"body":"quid in your bank account. Where"},{"speaker":"Nick Lincoln","startTime":956.94,"endTime":960.78,"body":"does that money come back out of"},{"speaker":"Nick Lincoln","startTime":956.94,"endTime":960.78,"body":"the pension and and what are the"},{"speaker":"Nick Lincoln","startTime":960.78,"endTime":963.36,"body":"pension is gone? Well, if it's"},{"speaker":"Nick Lincoln","startTime":960.78,"endTime":963.36,"body":"tied up in property, well, it"},{"speaker":"Nick Lincoln","startTime":963.36,"endTime":966.18,"body":"was in some garden or you know,"},{"speaker":"Nick Lincoln","startTime":963.36,"endTime":966.18,"body":"some dreadful Cape Verde scheme"},{"speaker":"Nick Lincoln","startTime":966.18,"endTime":968.76,"body":"that suddenly lost all his money"},{"speaker":"Nick Lincoln","startTime":966.18,"endTime":968.76,"body":"since then. I just don't know"},{"speaker":"Nick Lincoln","startTime":968.76,"endTime":971.31,"body":"how they can do it. Surely"},{"speaker":"Nick Lincoln","startTime":968.76,"endTime":971.31,"body":"capital have their version of"},{"speaker":"Nick Lincoln","startTime":971.31,"endTime":973.98,"body":"professional indemnity insurance"},{"speaker":"Nick Lincoln","startTime":971.31,"endTime":973.98,"body":"that covers them against these"},{"speaker":"Nick Lincoln","startTime":973.98,"endTime":977.01,"body":"kinds of cockroach, you can't go"},{"speaker":"Nick Lincoln","startTime":973.98,"endTime":977.01,"body":"back to people 3456 After the"},{"speaker":"Nick Lincoln","startTime":977.01,"endTime":980.79,"body":"event, and say we gave you too"},{"speaker":"Nick Lincoln","startTime":977.01,"endTime":980.79,"body":"much. It's it's it just seems to"},{"speaker":"Nick Lincoln","startTime":980.79,"endTime":983.97,"body":"me that's that's an incredible"},{"speaker":"Nick Lincoln","startTime":980.79,"endTime":983.97,"body":"so and it's not like this is not"},{"speaker":"Nick Lincoln","startTime":983.97,"endTime":985.83,"body":"like one or two, this is"},{"speaker":"Nick Lincoln","startTime":983.97,"endTime":985.83,"body":"apparently hundreds and"},{"speaker":"Nick Lincoln","startTime":985.83,"endTime":987.66,"body":"hundreds. And it's not just"},{"speaker":"Nick Lincoln","startTime":985.83,"endTime":987.66,"body":"capital as well. I don't know if"},{"speaker":"Nick Lincoln","startTime":987.66,"endTime":990.72,"body":"you guys have any thoughts on"},{"speaker":"Nick Lincoln","startTime":987.66,"endTime":990.72,"body":"this. I've had any other who had"},{"speaker":"Nick Lincoln","startTime":990.72,"endTime":994.29,"body":"spoken to any other ifas. But,"},{"speaker":"Nick Lincoln","startTime":990.72,"endTime":994.29,"body":"you know, the whole the whole db"},{"speaker":"Nick Lincoln","startTime":994.29,"endTime":996.57,"body":"to DC thing was it was it was a"},{"speaker":"Nick Lincoln","startTime":994.29,"endTime":996.57,"body":"bit of a shit show anyways"},{"speaker":"Nick Lincoln","startTime":996.57,"endTime":998.85,"body":"telling us a bit of a show"},{"speaker":"Nick Lincoln","startTime":996.57,"endTime":998.85,"body":"anyway. But you throw this into"},{"speaker":"Nick Lincoln","startTime":998.85,"endTime":1003.38,"body":"the mix, and it's like, wow,"},{"speaker":"Nick Lincoln","startTime":998.85,"endTime":1003.38,"body":"wow. And of course capita been"},{"speaker":"Nick Lincoln","startTime":1003.38,"endTime":1005.51,"body":"capitalist saying to their"},{"speaker":"Nick Lincoln","startTime":1003.38,"endTime":1005.51,"body":"writing to these people and"},{"speaker":"Nick Lincoln","startTime":1005.51,"endTime":1007.64,"body":"saying talk to your advisor"},{"speaker":"Nick Lincoln","startTime":1005.51,"endTime":1007.64,"body":"about this. They're trying to"},{"speaker":"Nick Lincoln","startTime":1007.64,"endTime":1012.08,"body":"shunt it back onto the advice to"},{"speaker":"Nick Lincoln","startTime":1007.64,"endTime":1012.08,"body":"say, you know, inferring was the"},{"speaker":"Nick Lincoln","startTime":1012.08,"endTime":1014.66,"body":"advice correct? Because we"},{"speaker":"Nick Lincoln","startTime":1012.08,"endTime":1014.66,"body":"cocked up the transfer value as"},{"speaker":"Nick Lincoln","startTime":1014.66,"endTime":1018.35,"body":"if advisors are supposed to"},{"speaker":"Nick Lincoln","startTime":1014.66,"endTime":1018.35,"body":"understand how transfer values"},{"speaker":"Nick Lincoln","startTime":1018.35,"endTime":1020.3,"body":"are arrived at and I mean,"},{"speaker":"Nick Lincoln","startTime":1018.35,"endTime":1020.3,"body":"that's not that's, that's proper"},{"speaker":"Nick Lincoln","startTime":1020.3,"endTime":1026.48,"body":"smokes and mirrors stuff. Okay."},{"speaker":"Nick Lincoln","startTime":1020.3,"endTime":1026.48,"body":"Voice again, sports stars start"},{"speaker":"Nick Lincoln","startTime":1026.51,"endTime":1028.49,"body":"a V. C fund."},{"speaker":"Carl Widger","startTime":1029.15,"endTime":1030.92,"body":"Yeah, I just saw"},{"speaker":"Carl Widger","startTime":1029.15,"endTime":1030.92,"body":"this. This is actually on Sky"},{"speaker":"Carl Widger","startTime":1030.92,"endTime":1035.84,"body":"News. So I've put the link to"},{"speaker":"Carl Widger","startTime":1030.92,"endTime":1035.84,"body":"this piece of news. So there's"},{"speaker":"Carl Widger","startTime":1035.84,"endTime":1038.81,"body":"kind of a couple of cricketers"},{"speaker":"Carl Widger","startTime":1035.84,"endTime":1038.81,"body":"who you guys probably know who"},{"speaker":"Carl Widger","startTime":1038.81,"endTime":1041.06,"body":"they are. But there's football"},{"speaker":"Carl Widger","startTime":1038.81,"endTime":1041.06,"body":"ORs and there's, there's other"},{"speaker":"Carl Widger","startTime":1041.06,"endTime":1044.54,"body":"sports stars, they've started"},{"speaker":"Carl Widger","startTime":1041.06,"endTime":1044.54,"body":"this VC fund. And they're going"},{"speaker":"Carl Widger","startTime":1044.54,"endTime":1050.96,"body":"for early kind of tech startups."},{"speaker":"Carl Widger","startTime":1044.54,"endTime":1050.96,"body":"And I think wellness startups,"},{"speaker":"Carl Widger","startTime":1050.96,"endTime":1055.07,"body":"that kind of stuff as well. And"},{"speaker":"Carl Widger","startTime":1050.96,"endTime":1055.07,"body":"I just reminded me of our"},{"speaker":"Carl Widger","startTime":1055.07,"endTime":1058.7,"body":"previous discussion, where by I"},{"speaker":"Carl Widger","startTime":1055.07,"endTime":1058.7,"body":"think the rules were changing"},{"speaker":"Carl Widger","startTime":1058.7,"endTime":1062.42,"body":"there that people you know, that"},{"speaker":"Carl Widger","startTime":1058.7,"endTime":1062.42,"body":"your your regulation said that"},{"speaker":"Carl Widger","startTime":1062.42,"endTime":1066.32,"body":"you should be investing in kind"},{"speaker":"Carl Widger","startTime":1062.42,"endTime":1066.32,"body":"of VC funds and that kind of"},{"speaker":"Carl Widger","startTime":1066.32,"endTime":1070.76,"body":"stuff. And I just thought back"},{"speaker":"Carl Widger","startTime":1066.32,"endTime":1070.76,"body":"to, you know, the so many"},{"speaker":"Carl Widger","startTime":1070.76,"endTime":1075.05,"body":"stories from kind of famous"},{"speaker":"Carl Widger","startTime":1070.76,"endTime":1075.05,"body":"people, sports stars, going into"},{"speaker":"Carl Widger","startTime":1075.05,"endTime":1077.72,"body":"investments that have gone pear"},{"speaker":"Carl Widger","startTime":1075.05,"endTime":1077.72,"body":"shaped, and I think the ones"},{"speaker":"Carl Widger","startTime":1077.72,"endTime":1080.36,"body":"that you'll see in the news are"},{"speaker":"Carl Widger","startTime":1077.72,"endTime":1080.36,"body":"probably famous footballers,"},{"speaker":"Carl Widger","startTime":1080.42,"endTime":1084.38,"body":"predominantly, but you know,"},{"speaker":"Carl Widger","startTime":1080.42,"endTime":1084.38,"body":"going back to real financial"},{"speaker":"Carl Widger","startTime":1084.38,"endTime":1087.65,"body":"planning, it doesn't really"},{"speaker":"Carl Widger","startTime":1084.38,"endTime":1087.65,"body":"matter how much money you have,"},{"speaker":"Carl Widger","startTime":1087.86,"endTime":1090.86,"body":"what you need is you need a"},{"speaker":"Carl Widger","startTime":1087.86,"endTime":1090.86,"body":"financial plan to tell you how"},{"speaker":"Carl Widger","startTime":1090.86,"endTime":1094.82,"body":"much money you need. And you"},{"speaker":"Carl Widger","startTime":1090.86,"endTime":1094.82,"body":"need to dedicate your resources"},{"speaker":"Carl Widger","startTime":1094.82,"endTime":1098.81,"body":"then to investments, pensions,"},{"speaker":"Carl Widger","startTime":1094.82,"endTime":1098.81,"body":"whatever, in what has always"},{"speaker":"Carl Widger","startTime":1098.81,"endTime":1102.08,"body":"worked. And we have spoken"},{"speaker":"Carl Widger","startTime":1098.81,"endTime":1102.08,"body":"before about having that kind of"},{"speaker":"Carl Widger","startTime":1102.38,"endTime":1106.82,"body":"playpen for you know, very"},{"speaker":"Carl Widger","startTime":1102.38,"endTime":1106.82,"body":"wealthy people who go off and do"},{"speaker":"Carl Widger","startTime":1106.82,"endTime":1110.87,"body":"some stuff that kind of floats"},{"speaker":"Carl Widger","startTime":1106.82,"endTime":1110.87,"body":"their boat, shall we say, but"},{"speaker":"Carl Widger","startTime":1110.87,"endTime":1113.57,"body":"it's not integrity, or it's not"},{"speaker":"Carl Widger","startTime":1110.87,"endTime":1113.57,"body":"that important. So it's money"},{"speaker":"Carl Widger","startTime":1113.57,"endTime":1116.6,"body":"that that you know, they don't"},{"speaker":"Carl Widger","startTime":1113.57,"endTime":1116.6,"body":"want to lose it but you could"},{"speaker":"Carl Widger","startTime":1116.6,"endTime":1126.23,"body":"necessarily lose it I just I"},{"speaker":"Carl Widger","startTime":1116.6,"endTime":1126.23,"body":"just hope that all of the the"},{"speaker":"Carl Widger","startTime":1126.26,"endTime":1131.12,"body":"sports people who have been"},{"speaker":"Carl Widger","startTime":1126.26,"endTime":1131.12,"body":"named in this all have their own"},{"speaker":"Carl Widger","startTime":1131.12,"endTime":1134.45,"body":"financial plans, and they're"},{"speaker":"Carl Widger","startTime":1131.12,"endTime":1134.45,"body":"only putting in money that they"},{"speaker":"Carl Widger","startTime":1134.45,"endTime":1137.48,"body":"can afford to lose on this"},{"speaker":"Carl Widger","startTime":1134.45,"endTime":1137.48,"body":"because this is high high risk"},{"speaker":"Carl Widger","startTime":1137.48,"endTime":1140.99,"body":"stuff. And it doesn't matter how"},{"speaker":"Carl Widger","startTime":1137.48,"endTime":1140.99,"body":"famous you are, you know, if"},{"speaker":"Carl Widger","startTime":1140.99,"endTime":1144.47,"body":"you're investing or early stage"},{"speaker":"Carl Widger","startTime":1140.99,"endTime":1144.47,"body":"startups, they unfortunately"},{"speaker":"Carl Widger","startTime":1144.47,"endTime":1147.8,"body":"have a propensity to not return"},{"speaker":"Carl Widger","startTime":1144.47,"endTime":1147.8,"body":"any money of course you could be"},{"speaker":"Carl Widger","startTime":1147.8,"endTime":1151.16,"body":"lucky and shoot the lights out."},{"speaker":"Carl Widger","startTime":1147.8,"endTime":1151.16,"body":"And that's what played playpen"},{"speaker":"Carl Widger","startTime":1151.16,"endTime":1156.83,"body":"money is so look it's just a"},{"speaker":"Carl Widger","startTime":1151.16,"endTime":1156.83,"body":"note that I thought I'd put out"},{"speaker":"Carl Widger","startTime":1156.83,"endTime":1160.04,"body":"there because too often we come"},{"speaker":"Carl Widger","startTime":1156.83,"endTime":1160.04,"body":"across maybe ultra wealthy"},{"speaker":"Carl Widger","startTime":1160.04,"endTime":1163.64,"body":"people stroke famous people and"},{"speaker":"Carl Widger","startTime":1160.04,"endTime":1163.64,"body":"they're doing stuff that just"},{"speaker":"Carl Widger","startTime":1163.64,"endTime":1165.62,"body":"doesn't make any sense. Nick"},{"speaker":"Nick Lincoln","startTime":1165.65,"endTime":1168.35,"body":"interesting way"},{"speaker":"Nick Lincoln","startTime":1165.65,"endTime":1168.35,"body":"last week you and I can't we"},{"speaker":"Nick Lincoln","startTime":1168.35,"endTime":1172.34,"body":"went out for Sherry didn't we"},{"speaker":"Nick Lincoln","startTime":1168.35,"endTime":1172.34,"body":"and in that day we I'm with you"},{"speaker":"Nick Lincoln","startTime":1172.37,"endTime":1174.92,"body":"I met one of them you met to to"},{"speaker":"Nick Lincoln","startTime":1172.37,"endTime":1174.92,"body":"ifas who specializes in the"},{"speaker":"Nick Lincoln","startTime":1174.92,"endTime":1179.21,"body":"field of advising sports sports"},{"speaker":"Nick Lincoln","startTime":1174.92,"endTime":1179.21,"body":"people you know have this"},{"speaker":"Nick Lincoln","startTime":1179.21,"endTime":1182.12,"body":"incredibly short credibly short"},{"speaker":"Nick Lincoln","startTime":1179.21,"endTime":1182.12,"body":"careers with incredibly loads of"},{"speaker":"Nick Lincoln","startTime":1182.12,"endTime":1186.77,"body":"money. It's a different way of"},{"speaker":"Nick Lincoln","startTime":1182.12,"endTime":1186.77,"body":"doing what we do and that's for"},{"speaker":"Nick Lincoln","startTime":1186.77,"endTime":1190.7,"body":"sure interesting people in the"},{"speaker":"Nick Lincoln","startTime":1186.77,"endTime":1190.7,"body":"classic example of just be"},{"speaker":"Nick Lincoln","startTime":1190.7,"endTime":1192.65,"body":"careful what you're doing and"},{"speaker":"Nick Lincoln","startTime":1190.7,"endTime":1192.65,"body":"have you got a financial plan"},{"speaker":"Nick Lincoln","startTime":1192.65,"endTime":1195.17,"body":"and why on earth you're doing"},{"speaker":"Nick Lincoln","startTime":1192.65,"endTime":1195.17,"body":"this is and I know you guys"},{"speaker":"Nick Lincoln","startTime":1195.17,"endTime":1197.21,"body":"aren't into American football"},{"speaker":"Nick Lincoln","startTime":1195.17,"endTime":1197.21,"body":"you but you know of Tom Brady"},{"speaker":"Nick Lincoln","startTime":1197.21,"endTime":1198.92,"body":"right, who is the greatest"},{"speaker":"Nick Lincoln","startTime":1197.21,"endTime":1198.92,"body":"quarterback to ever play the"},{"speaker":"Nick Lincoln","startTime":1198.92,"endTime":1201.89,"body":"game and isn't Not even close in"},{"speaker":"Nick Lincoln","startTime":1198.92,"endTime":1201.89,"body":"the, you know, had this idyllic"},{"speaker":"Nick Lincoln","startTime":1201.89,"endTime":1205.52,"body":"lifestyle. He was married to"},{"speaker":"Nick Lincoln","startTime":1201.89,"endTime":1205.52,"body":"Giselle bunch and and he's got"},{"speaker":"Nick Lincoln","startTime":1205.52,"endTime":1207.47,"body":"more money than he can possibly"},{"speaker":"Nick Lincoln","startTime":1205.52,"endTime":1207.47,"body":"ever spend and yet he got"},{"speaker":"Nick Lincoln","startTime":1207.47,"endTime":1211.34,"body":"involved in promoting Bitcoin or"},{"speaker":"Nick Lincoln","startTime":1207.47,"endTime":1211.34,"body":"one of these Bitcoin funds, I"},{"speaker":"Nick Lincoln","startTime":1211.34,"endTime":1217.34,"body":"believe in FTX Yeah, FTX money"},{"speaker":"Nick Lincoln","startTime":1211.34,"endTime":1217.34,"body":"he didn't need. And now he's"},{"speaker":"Nick Lincoln","startTime":1217.34,"endTime":1219.71,"body":"been, you know, litigious"},{"speaker":"Nick Lincoln","startTime":1217.34,"endTime":1219.71,"body":"Americans is kind of being"},{"speaker":"Nick Lincoln","startTime":1219.71,"endTime":1222.68,"body":"countersue by people who, you"},{"speaker":"Nick Lincoln","startTime":1219.71,"endTime":1222.68,"body":"know, who went into the unknown"},{"speaker":"Nick Lincoln","startTime":1222.68,"endTime":1226.04,"body":"whether he'll, he'll get he'll"},{"speaker":"Nick Lincoln","startTime":1222.68,"endTime":1226.04,"body":"lose money. I don't know. But it"},{"speaker":"Nick Lincoln","startTime":1226.04,"endTime":1228.17,"body":"didn't need to do it. It's just"},{"speaker":"Nick Lincoln","startTime":1226.04,"endTime":1228.17,"body":"like, you know, your brand is"},{"speaker":"Nick Lincoln","startTime":1228.17,"endTime":1230.51,"body":"everything. Your brand, you"},{"speaker":"Nick Lincoln","startTime":1228.17,"endTime":1230.51,"body":"know, your reputation is"},{"speaker":"Nick Lincoln","startTime":1230.51,"endTime":1233.93,"body":"everything, just just what it is"},{"speaker":"Nick Lincoln","startTime":1230.51,"endTime":1233.93,"body":"just, it's the magpie thing."},{"speaker":"Nick Lincoln","startTime":1233.93,"endTime":1236.69,"body":"It's the shiny new thing I want"},{"speaker":"Nick Lincoln","startTime":1233.93,"endTime":1236.69,"body":"to be seen. We want this guy to"},{"speaker":"Nick Lincoln","startTime":1236.69,"endTime":1239.06,"body":"be the face fit. Agent says,"},{"speaker":"Nick Lincoln","startTime":1236.69,"endTime":1239.06,"body":"Will you do it? So I'm he goes."},{"speaker":"Nick Lincoln","startTime":1240.77,"endTime":1242.12,"body":"And then of course, when the"},{"speaker":"Nick Lincoln","startTime":1240.77,"endTime":1242.12,"body":"blade doesn't know what he's"},{"speaker":"Nick Lincoln","startTime":1242.12,"endTime":1243.98,"body":"talking about, really, he's just"},{"speaker":"Nick Lincoln","startTime":1242.12,"endTime":1243.98,"body":"a pretty face."},{"speaker":"Alan Smith","startTime":1244.25,"endTime":1247.07,"body":"Like once about the"},{"speaker":"Alan Smith","startTime":1244.25,"endTime":1247.07,"body":"fundamental challenge, Nick is"},{"speaker":"Alan Smith","startTime":1247.1,"endTime":1252.11,"body":"confusing, you know, long term"},{"speaker":"Alan Smith","startTime":1247.1,"endTime":1252.11,"body":"strategic investing for sort of"},{"speaker":"Alan Smith","startTime":1252.5,"endTime":1257.21,"body":"personal financial security, for"},{"speaker":"Alan Smith","startTime":1252.5,"endTime":1257.21,"body":"growth of wealth, confusing that"},{"speaker":"Alan Smith","startTime":1257.21,"endTime":1260.39,"body":"with entertaining entertainment."},{"speaker":"Alan Smith","startTime":1257.21,"endTime":1260.39,"body":"And these people come from the"},{"speaker":"Alan Smith","startTime":1260.39,"endTime":1263.27,"body":"world of entertainment, and"},{"speaker":"Alan Smith","startTime":1260.39,"endTime":1263.27,"body":"whether it's sports stars, movie"},{"speaker":"Alan Smith","startTime":1263.27,"endTime":1266.99,"body":"stars, you name it, that's the"},{"speaker":"Alan Smith","startTime":1263.27,"endTime":1266.99,"body":"world the operating. And the"},{"speaker":"Alan Smith","startTime":1266.99,"endTime":1269.66,"body":"challenge that we've got, the"},{"speaker":"Alan Smith","startTime":1266.99,"endTime":1269.66,"body":"challenge we will always have"},{"speaker":"Alan Smith","startTime":1269.66,"endTime":1273.23,"body":"is, frankly, the work that we do"},{"speaker":"Alan Smith","startTime":1269.66,"endTime":1273.23,"body":"to the outside world, at least"},{"speaker":"Alan Smith","startTime":1273.26,"endTime":1276.59,"body":"is dull is pretty dull, because"},{"speaker":"Alan Smith","startTime":1273.26,"endTime":1276.59,"body":"who wants to build a plan that"},{"speaker":"Alan Smith","startTime":1276.59,"endTime":1280.1,"body":"in itself is pretty boring. And"},{"speaker":"Alan Smith","startTime":1276.59,"endTime":1280.1,"body":"also I've sort of dabbled over"},{"speaker":"Alan Smith","startTime":1280.1,"endTime":1283.13,"body":"the years, not not for a long"},{"speaker":"Alan Smith","startTime":1280.1,"endTime":1283.13,"body":"time, but in the world of"},{"speaker":"Alan Smith","startTime":1283.25,"endTime":1286.22,"body":"professional sports people and"},{"speaker":"Alan Smith","startTime":1283.25,"endTime":1286.22,"body":"trying to get professional"},{"speaker":"Alan Smith","startTime":1286.22,"endTime":1290.15,"body":"sports people to consider a"},{"speaker":"Alan Smith","startTime":1286.22,"endTime":1290.15,"body":"3040 50 year financial plan."},{"speaker":"Alan Smith","startTime":1291.47,"endTime":1293.72,"body":"Those people don't know what"},{"speaker":"Alan Smith","startTime":1291.47,"endTime":1293.72,"body":"they're doing tomorrow, never"},{"speaker":"Alan Smith","startTime":1293.72,"endTime":1296.69,"body":"mind 30 years from now. So it's"},{"speaker":"Alan Smith","startTime":1293.72,"endTime":1296.69,"body":"a chance. It's a real real"},{"speaker":"Alan Smith","startTime":1296.69,"endTime":1299.15,"body":"challenge. And of course, when"},{"speaker":"Alan Smith","startTime":1296.69,"endTime":1299.15,"body":"you say we'd like to, we'd like"},{"speaker":"Alan Smith","startTime":1299.15,"endTime":1303.68,"body":"you to invest your money in low"},{"speaker":"Alan Smith","startTime":1299.15,"endTime":1303.68,"body":"cost global index funds and"},{"speaker":"Alan Smith","startTime":1303.68,"endTime":1306.77,"body":"leave it there for 30 years is"},{"speaker":"Alan Smith","startTime":1303.68,"endTime":1306.77,"body":"just what that's just boring. I"},{"speaker":"Alan Smith","startTime":1306.77,"endTime":1310.16,"body":"want to get crypto, I want to"},{"speaker":"Alan Smith","startTime":1306.77,"endTime":1310.16,"body":"buy I mean, watches is all a"},{"speaker":"Alan Smith","startTime":1310.16,"endTime":1312.86,"body":"thing. You know, you're trading,"},{"speaker":"Alan Smith","startTime":1310.16,"endTime":1312.86,"body":"you know, high end watches, all"},{"speaker":"Alan Smith","startTime":1312.86,"endTime":1316.4,"body":"that sort of stuff. And so it is"},{"speaker":"Alan Smith","startTime":1312.86,"endTime":1316.4,"body":"a perennial challenge that"},{"speaker":"Alan Smith","startTime":1316.4,"endTime":1320.69,"body":"anyone who works in our game has"},{"speaker":"Alan Smith","startTime":1316.4,"endTime":1320.69,"body":"dealing with anyone like that."},{"speaker":"Alan Smith","startTime":1320.93,"endTime":1323.99,"body":"The last little anecdote I'll"},{"speaker":"Alan Smith","startTime":1320.93,"endTime":1323.99,"body":"throw in, I spoke to somebody"},{"speaker":"Alan Smith","startTime":1324.02,"endTime":1327.41,"body":"last week who's preparing to"},{"speaker":"Alan Smith","startTime":1324.02,"endTime":1327.41,"body":"sell their business for"},{"speaker":"Alan Smith","startTime":1327.41,"endTime":1329.69,"body":"significant significant sound,"},{"speaker":"Alan Smith","startTime":1327.41,"endTime":1329.69,"body":"we're talking about potentially"},{"speaker":"Alan Smith","startTime":1329.69,"endTime":1333.35,"body":"100 million pounds next year."},{"speaker":"Alan Smith","startTime":1329.69,"endTime":1333.35,"body":"And we're talking about how they"},{"speaker":"Alan Smith","startTime":1333.35,"endTime":1335.96,"body":"might invest their money. And he"},{"speaker":"Alan Smith","startTime":1333.35,"endTime":1335.96,"body":"said, Yeah, and I'll do your"},{"speaker":"Alan Smith","startTime":1335.96,"endTime":1338.45,"body":"boring stuff with you. But I"},{"speaker":"Alan Smith","startTime":1335.96,"endTime":1338.45,"body":"really want to put some money"},{"speaker":"Alan Smith","startTime":1338.48,"endTime":1340.55,"body":"into something that's"},{"speaker":"Alan Smith","startTime":1338.48,"endTime":1340.55,"body":"interesting, and keeps me"},{"speaker":"Alan Smith","startTime":1340.55,"endTime":1344.81,"body":"interested and engaged. So are"},{"speaker":"Alan Smith","startTime":1340.55,"endTime":1344.81,"body":"you prepared to lose all of that"},{"speaker":"Alan Smith","startTime":1344.81,"endTime":1347.63,"body":"money? You said, Yes, I am."},{"speaker":"Alan Smith","startTime":1344.81,"endTime":1347.63,"body":"Because I have plenty to go out."},{"speaker":"Alan Smith","startTime":1348.2,"endTime":1350.24,"body":"And I think that's one of that's"},{"speaker":"Alan Smith","startTime":1348.2,"endTime":1350.24,"body":"one of the issues, isn't it"},{"speaker":"Alan Smith","startTime":1350.24,"endTime":1354.65,"body":"because it's just this idea of"},{"speaker":"Alan Smith","startTime":1350.24,"endTime":1354.65,"body":"using your wealth as an"},{"speaker":"Alan Smith","startTime":1354.65,"endTime":1357.95,"body":"entertainment vehicle rather"},{"speaker":"Alan Smith","startTime":1354.65,"endTime":1357.95,"body":"than you know, go to the casino"},{"speaker":"Alan Smith","startTime":1357.95,"endTime":1360.35,"body":"or go horse racing or do"},{"speaker":"Alan Smith","startTime":1357.95,"endTime":1360.35,"body":"something we can have a real bit"},{"speaker":"Alan Smith","startTime":1360.35,"endTime":1365.33,"body":"of funds putting into markets,"},{"speaker":"Alan Smith","startTime":1360.35,"endTime":1365.33,"body":"companies structures, whatever,"},{"speaker":"Alan Smith","startTime":1365.33,"endTime":1369.02,"body":"you know, that it's just, it's"},{"speaker":"Alan Smith","startTime":1365.33,"endTime":1369.02,"body":"vaguely interesting is is dinner"},{"speaker":"Alan Smith","startTime":1369.02,"endTime":1372.44,"body":"party conversation. Maybe you"},{"speaker":"Alan Smith","startTime":1369.02,"endTime":1372.44,"body":"lose it all it's just it's an"},{"speaker":"Alan Smith","startTime":1372.44,"endTime":1373.22,"body":"interesting dynamic."},{"speaker":"Carl Widger","startTime":1373.64,"endTime":1376.01,"body":"We've had this"},{"speaker":"Carl Widger","startTime":1373.64,"endTime":1376.01,"body":"chart offline I love that you"},{"speaker":"Carl Widger","startTime":1376.01,"endTime":1378.65,"body":"know, but that is relevant"},{"speaker":"Carl Widger","startTime":1376.01,"endTime":1378.65,"body":"though for that guy with that"},{"speaker":"Carl Widger","startTime":1378.65,"endTime":1381.83,"body":"amount of money you know, make"},{"speaker":"Carl Widger","startTime":1378.65,"endTime":1381.83,"body":"sure you've just got your future"},{"speaker":"Carl Widger","startTime":1381.83,"endTime":1384.98,"body":"secured at a very high spending"},{"speaker":"Carl Widger","startTime":1381.83,"endTime":1384.98,"body":"level and all of that kind of"},{"speaker":"Carl Widger","startTime":1384.98,"endTime":1389.51,"body":"stuff. And if it he that that"},{"speaker":"Carl Widger","startTime":1384.98,"endTime":1389.51,"body":"gentleman or lady wants to"},{"speaker":"Carl Widger","startTime":1389.51,"endTime":1394.37,"body":"invest in stuff, you know, stuff"},{"speaker":"Carl Widger","startTime":1389.51,"endTime":1394.37,"body":"that is of interest, knock"},{"speaker":"Carl Widger","startTime":1394.37,"endTime":1396.83,"body":"yourself out, just go for but"},{"speaker":"Carl Widger","startTime":1394.37,"endTime":1396.83,"body":"make sure you have all the other"},{"speaker":"Carl Widger","startTime":1396.83,"endTime":1400.31,"body":"stuff parked for so I think"},{"speaker":"Carl Widger","startTime":1396.83,"endTime":1400.31,"body":"that's the main thing that I"},{"speaker":"Carl Widger","startTime":1400.31,"endTime":1402.95,"body":"wanted to get across here about"},{"speaker":"Carl Widger","startTime":1400.31,"endTime":1402.95,"body":"these these kind of footballers"},{"speaker":"Carl Widger","startTime":1402.95,"endTime":1405.32,"body":"and cricketers, and I didn't"},{"speaker":"Carl Widger","startTime":1402.95,"endTime":1405.32,"body":"realize cricketers actually make"},{"speaker":"Carl Widger","startTime":1405.32,"endTime":1407.66,"body":"a lot of money that's hard to"},{"speaker":"Carl Widger","startTime":1405.32,"endTime":1407.66,"body":"leave. But anyway,"},{"speaker":"Nick Lincoln","startTime":1408.2,"endTime":1411.65,"body":"what top top like"},{"speaker":"Nick Lincoln","startTime":1408.2,"endTime":1411.65,"body":"they do it? So it's cricket and"},{"speaker":"Nick Lincoln","startTime":1411.65,"endTime":1419.15,"body":"Wales? Yeah, they do. I think"},{"speaker":"Nick Lincoln","startTime":1411.65,"endTime":1419.15,"body":"it's pointless. But this comes"},{"speaker":"Nick Lincoln","startTime":1419.15,"endTime":1421.67,"body":"to some of the ad is quite"},{"speaker":"Nick Lincoln","startTime":1419.15,"endTime":1421.67,"body":"strong. And it's just letting"},{"speaker":"Nick Lincoln","startTime":1421.67,"endTime":1423.86,"body":"clients if they really want to"},{"speaker":"Nick Lincoln","startTime":1421.67,"endTime":1423.86,"body":"scratch the edge, let them crack"},{"speaker":"Nick Lincoln","startTime":1423.86,"endTime":1427.19,"body":"on and scratch that edge. Right?"},{"speaker":"Nick Lincoln","startTime":1423.86,"endTime":1427.19,"body":"It's better if it means them"},{"speaker":"Nick Lincoln","startTime":1427.19,"endTime":1429.47,"body":"following through on a financial"},{"speaker":"Nick Lincoln","startTime":1427.19,"endTime":1429.47,"body":"crime where most of their money"},{"speaker":"Nick Lincoln","startTime":1429.47,"endTime":1433.25,"body":"is invested in boring, buy and"},{"speaker":"Nick Lincoln","startTime":1429.47,"endTime":1433.25,"body":"hold, staring out the window for"},{"speaker":"Nick Lincoln","startTime":1433.25,"endTime":1436.67,"body":"the next three decades kind of"},{"speaker":"Nick Lincoln","startTime":1433.25,"endTime":1436.67,"body":"portfolio. Give them some giving"},{"speaker":"Nick Lincoln","startTime":1436.67,"endTime":1438.92,"body":"them a little playpen they can"},{"speaker":"Nick Lincoln","startTime":1436.67,"endTime":1438.92,"body":"play with, as Alan said, on the"},{"speaker":"Nick Lincoln","startTime":1438.92,"endTime":1442.43,"body":"strict proviso that you know,"},{"speaker":"Nick Lincoln","startTime":1438.92,"endTime":1442.43,"body":"you could lose all of this."},{"speaker":"Nick Lincoln","startTime":1442.46,"endTime":1445.79,"body":"You're okay with that. And if"},{"speaker":"Nick Lincoln","startTime":1442.46,"endTime":1445.79,"body":"you do, it won't ruin this"},{"speaker":"Nick Lincoln","startTime":1445.79,"endTime":1448.31,"body":"financial Pammi bill, but let"},{"speaker":"Nick Lincoln","startTime":1445.79,"endTime":1448.31,"body":"them scratch that itch and, and"},{"speaker":"Nick Lincoln","startTime":1448.31,"endTime":1449.21,"body":"get on with whatever they want"},{"speaker":"Nick Lincoln","startTime":1448.31,"endTime":1449.21,"body":"to"},{"speaker":"Andy Hart","startTime":1449.21,"endTime":1451.52,"body":"do. I've heard"},{"speaker":"Andy Hart","startTime":1449.21,"endTime":1451.52,"body":"different names for this over"},{"speaker":"Andy Hart","startTime":1451.52,"endTime":1453.92,"body":"the years. I mean, yeah,"},{"speaker":"Andy Hart","startTime":1451.52,"endTime":1453.92,"body":"investing paper, and I think I"},{"speaker":"Andy Hart","startTime":1453.92,"endTime":1457.07,"body":"got from Alan. I've also heard"},{"speaker":"Andy Hart","startTime":1453.92,"endTime":1457.07,"body":"of it as a ROB account, which is"},{"speaker":"Andy Hart","startTime":1457.07,"endTime":1460.58,"body":"like a rush of blood account as"},{"speaker":"Andy Hart","startTime":1457.07,"endTime":1460.58,"body":"your Rob account over there. I"},{"speaker":"Andy Hart","startTime":1460.58,"endTime":1463.52,"body":"prefer Alan's latest one the"},{"speaker":"Andy Hart","startTime":1460.58,"endTime":1463.52,"body":"dicking around fund or the"},{"speaker":"Andy Hart","startTime":1463.52,"endTime":1466.22,"body":"dicking around. I think he's"},{"speaker":"Andy Hart","startTime":1463.52,"endTime":1466.22,"body":"absolutely brilliant. Like yeah,"},{"speaker":"Andy Hart","startTime":1466.22,"endTime":1468.59,"body":"you can have a dicking around"},{"speaker":"Andy Hart","startTime":1466.22,"endTime":1468.59,"body":"pot mate. No problem"},{"speaker":"Alan Smith","startTime":1469.58,"endTime":1472.55,"body":"that you DAP just"},{"speaker":"Alan Smith","startTime":1469.58,"endTime":1472.55,"body":"did that."},{"speaker":"Andy Hart","startTime":1476.18,"endTime":1478.79,"body":"And then who wants to"},{"speaker":"Andy Hart","startTime":1476.18,"endTime":1478.79,"body":"own a dicking around the fund."},{"speaker":"Andy Hart","startTime":1479.6,"endTime":1484.04,"body":"But he's just right. It's framed"},{"speaker":"Andy Hart","startTime":1479.6,"endTime":1484.04,"body":"perfectly. But oh my god like"},{"speaker":"Andy Hart","startTime":1484.04,"endTime":1486.77,"body":"but I think it's brilliant."},{"speaker":"Alan Smith","startTime":1486.8,"endTime":1489.71,"body":"Thank you. You can"},{"speaker":"Alan Smith","startTime":1486.8,"endTime":1489.71,"body":"have one on the basis that you"},{"speaker":"Alan Smith","startTime":1489.86,"endTime":1491.03,"body":"also have your"},{"speaker":"Andy Hart","startTime":1491.24,"endTime":1493.91,"body":"database find out"},{"speaker":"Andy Hart","startTime":1491.24,"endTime":1493.91,"body":"your family, family fortress and"},{"speaker":"Andy Hart","startTime":1493.91,"endTime":1496.82,"body":"family fortress fortress,"},{"speaker":"Alan Smith","startTime":1497.15,"endTime":1500.3,"body":"you only see the"},{"speaker":"Alan Smith","startTime":1497.15,"endTime":1500.3,"body":"left. Yes. Now you don't Eat it."},{"speaker":"Alan Smith","startTime":1500.33,"endTime":1504.38,"body":"Trust me this this. X"},{"speaker":"Alan Smith","startTime":1500.33,"endTime":1504.38,"body":"superfluous. superfluous. That's"},{"speaker":"Alan Smith","startTime":1504.38,"endTime":1505.67,"body":"the word. Next move on"},{"speaker":"Nick Lincoln","startTime":1506.39,"endTime":1508.46,"body":"to are you chewed"},{"speaker":"Nick Lincoln","startTime":1506.39,"endTime":1508.46,"body":"a thesaurus? Both of your well"},{"speaker":"Nick Lincoln","startTime":1508.46,"endTime":1511.43,"body":"done active using a knife and"},{"speaker":"Nick Lincoln","startTime":1508.46,"endTime":1511.43,"body":"fork. Okay. It's the heart"},{"speaker":"Nick Lincoln","startTime":1511.46,"endTime":1512.72,"body":"employing professionals."},{"speaker":"Andy Hart","startTime":1543.51,"endTime":1547.02,"body":"Okay, yeah, somewhat"},{"speaker":"Andy Hart","startTime":1543.51,"endTime":1547.02,"body":"allow me a brief story. But"},{"speaker":"Andy Hart","startTime":1547.02,"endTime":1550.53,"body":"yeah, I've moved to a new house"},{"speaker":"Andy Hart","startTime":1547.02,"endTime":1550.53,"body":"that sort of been consuming my"},{"speaker":"Andy Hart","startTime":1550.53,"endTime":1553.5,"body":"life over the last few months."},{"speaker":"Andy Hart","startTime":1550.53,"endTime":1553.5,"body":"So I actually viewed this house"},{"speaker":"Andy Hart","startTime":1553.5,"endTime":1557.37,"body":"at over a year ago. I want to"},{"speaker":"Andy Hart","startTime":1553.5,"endTime":1557.37,"body":"viewed it, I liked it. But I"},{"speaker":"Andy Hart","startTime":1557.37,"endTime":1559.53,"body":"thought it was too expensive. I"},{"speaker":"Andy Hart","startTime":1557.37,"endTime":1559.53,"body":"put a lowball offer in and then"},{"speaker":"Andy Hart","startTime":1559.53,"endTime":1563.73,"body":"I ended up, someone else bought"},{"speaker":"Andy Hart","startTime":1559.53,"endTime":1563.73,"body":"it for a higher offer. And then"},{"speaker":"Andy Hart","startTime":1563.73,"endTime":1567.33,"body":"I was viewing other houses. And"},{"speaker":"Andy Hart","startTime":1563.73,"endTime":1567.33,"body":"I was always referring back to"},{"speaker":"Andy Hart","startTime":1567.33,"endTime":1569.73,"body":"this one that, you know, it's"},{"speaker":"Andy Hart","startTime":1567.33,"endTime":1569.73,"body":"the one that got away as such."},{"speaker":"Andy Hart","startTime":1570.24,"endTime":1572.58,"body":"And then the person pulled out"},{"speaker":"Andy Hart","startTime":1570.24,"endTime":1572.58,"body":"that putting the higher offer"},{"speaker":"Andy Hart","startTime":1572.58,"endTime":1576.3,"body":"for what I thought was a sort of"},{"speaker":"Andy Hart","startTime":1572.58,"endTime":1576.3,"body":"pointless reason. And since I've"},{"speaker":"Andy Hart","startTime":1576.3,"endTime":1578.49,"body":"owned the house, I've realized"},{"speaker":"Andy Hart","startTime":1576.3,"endTime":1578.49,"body":"that it was appointed as reason."},{"speaker":"Andy Hart","startTime":1578.49,"endTime":1581.46,"body":"But anyway, so I got a call from"},{"speaker":"Andy Hart","startTime":1578.49,"endTime":1581.46,"body":"the estate agent, I think in"},{"speaker":"Andy Hart","startTime":1581.46,"endTime":1584.82,"body":"March, to point out you want to"},{"speaker":"Andy Hart","startTime":1581.46,"endTime":1584.82,"body":"buy it, it's reason"},{"speaker":"Carl Widger","startTime":1586.3799999999999,"endTime":1587.22,"body":"no toilet,"},{"speaker":"Andy Hart","startTime":1587.52,"endTime":1590.76,"body":"it was an access"},{"speaker":"Andy Hart","startTime":1587.52,"endTime":1590.76,"body":"reason, but I won't bore you"},{"speaker":"Andy Hart","startTime":1590.76,"endTime":1594.6,"body":"with it. So then he said, it's"},{"speaker":"Andy Hart","startTime":1590.76,"endTime":1594.6,"body":"available, do you want to buy"},{"speaker":"Andy Hart","startTime":1594.6,"endTime":1597.3899999999999,"body":"it, I said, Yeah, I'm gonna buy"},{"speaker":"Andy Hart","startTime":1594.6,"endTime":1597.3899999999999,"body":"it. And then obviously ensued,"},{"speaker":"Andy Hart","startTime":1597.3899999999999,"endTime":1600.3,"body":"the painful process of dealing"},{"speaker":"Andy Hart","startTime":1597.3899999999999,"endTime":1600.3,"body":"with lawyers and property and"},{"speaker":"Andy Hart","startTime":1600.3,"endTime":1603.0,"body":"all that sort of stuff. Anyway,"},{"speaker":"Andy Hart","startTime":1600.3,"endTime":1603.0,"body":"I completed in May, and I"},{"speaker":"Andy Hart","startTime":1603.0,"endTime":1606.6,"body":"decided to do the place up. So"},{"speaker":"Andy Hart","startTime":1603.0,"endTime":1606.6,"body":"for the first time, I employed"},{"speaker":"Andy Hart","startTime":1606.6,"endTime":1610.3799999999999,"body":"an interior designer, which I've"},{"speaker":"Andy Hart","startTime":1606.6,"endTime":1610.3799999999999,"body":"never done before, I'm a single"},{"speaker":"Andy Hart","startTime":1610.3799999999999,"endTime":1612.6599999999999,"body":"bloke divorced, obviously, I"},{"speaker":"Andy Hart","startTime":1610.3799999999999,"endTime":1612.6599999999999,"body":"want the house to be nice and"},{"speaker":"Andy Hart","startTime":1612.75,"endTime":1615.8999999999999,"body":"nice. And my kids, I've got a"},{"speaker":"Andy Hart","startTime":1612.75,"endTime":1615.8999999999999,"body":"few quid to do it up. So I"},{"speaker":"Andy Hart","startTime":1615.8999999999999,"endTime":1619.4099999999999,"body":"employed an interior designer."},{"speaker":"Andy Hart","startTime":1615.8999999999999,"endTime":1619.4099999999999,"body":"And I basically got out of the"},{"speaker":"Andy Hart","startTime":1619.4099999999999,"endTime":1624.69,"body":"way, you know, I allowed her to"},{"speaker":"Andy Hart","startTime":1619.4099999999999,"endTime":1624.69,"body":"just send me links by staff, and"},{"speaker":"Andy Hart","startTime":1624.72,"endTime":1628.11,"body":"do it in the style that she"},{"speaker":"Andy Hart","startTime":1624.72,"endTime":1628.11,"body":"thought would make sense."},{"speaker":"Andy Hart","startTime":1629.46,"endTime":1632.67,"body":"There's obviously a few, as I"},{"speaker":"Andy Hart","startTime":1629.46,"endTime":1632.67,"body":"say, if I did it myself, I would"},{"speaker":"Andy Hart","startTime":1632.67,"endTime":1635.1599999999999,"body":"have done it, okay. But you"},{"speaker":"Andy Hart","startTime":1632.67,"endTime":1635.1599999999999,"body":"know, it wouldn't have been as"},{"speaker":"Andy Hart","startTime":1635.1599999999999,"endTime":1639.8999999999999,"body":"nice as it is now. So, the point"},{"speaker":"Andy Hart","startTime":1635.1599999999999,"endTime":1639.8999999999999,"body":"of the story is, if you're going"},{"speaker":"Andy Hart","startTime":1639.8999999999999,"endTime":1642.87,"body":"to employ professionals, you"},{"speaker":"Andy Hart","startTime":1639.8999999999999,"endTime":1642.87,"body":"know, let them do their work."},{"speaker":"Andy Hart","startTime":1642.87,"endTime":1646.4099999999999,"body":"And, you know, in the end, the"},{"speaker":"Andy Hart","startTime":1642.87,"endTime":1646.4099999999999,"body":"result will be fantastic. So the"},{"speaker":"Andy Hart","startTime":1646.4099999999999,"endTime":1649.77,"body":"result is great, the journey has"},{"speaker":"Andy Hart","startTime":1646.4099999999999,"endTime":1649.77,"body":"been a little bit rough, because"},{"speaker":"Andy Hart","startTime":1649.77,"endTime":1651.8999999999999,"body":"obviously, you're dealing with"},{"speaker":"Andy Hart","startTime":1649.77,"endTime":1651.8999999999999,"body":"other people in the mix, and"},{"speaker":"Andy Hart","startTime":1651.8999999999999,"endTime":1653.55,"body":"then you've got builders and all"},{"speaker":"Andy Hart","startTime":1651.8999999999999,"endTime":1653.55,"body":"that sort of stuff. But the"},{"speaker":"Andy Hart","startTime":1653.55,"endTime":1656.67,"body":"destination is, is good in the"},{"speaker":"Andy Hart","startTime":1653.55,"endTime":1656.67,"body":"end. I mean, it's sort of funny"},{"speaker":"Andy Hart","startTime":1656.67,"endTime":1659.34,"body":"story to it. I ordered these"},{"speaker":"Andy Hart","startTime":1656.67,"endTime":1659.34,"body":"tiles online, I thought they"},{"speaker":"Andy Hart","startTime":1659.34,"endTime":1661.44,"body":"looked horrendous, I thought,"},{"speaker":"Andy Hart","startTime":1659.34,"endTime":1661.44,"body":"Really, I'm gonna put these"},{"speaker":"Andy Hart","startTime":1661.44,"endTime":1664.47,"body":"tiles into my kitchen. The tiles"},{"speaker":"Andy Hart","startTime":1661.44,"endTime":1664.47,"body":"arrived, me and the builder were"},{"speaker":"Andy Hart","startTime":1664.47,"endTime":1666.57,"body":"looking at these tiles thinking"},{"speaker":"Andy Hart","startTime":1664.47,"endTime":1666.57,"body":"these are these are horrible."},{"speaker":"Andy Hart","startTime":1667.23,"endTime":1669.6,"body":"How are we going to lay them"},{"speaker":"Andy Hart","startTime":1667.23,"endTime":1669.6,"body":"out. And he said, it was two"},{"speaker":"Andy Hart","startTime":1669.6,"endTime":1671.7,"body":"options. And he laid them out"},{"speaker":"Andy Hart","startTime":1669.6,"endTime":1671.7,"body":"like bricks. So he just laid"},{"speaker":"Andy Hart","startTime":1671.7,"endTime":1674.46,"body":"them out like straight. And then"},{"speaker":"Andy Hart","startTime":1671.7,"endTime":1674.46,"body":"we contacted the interior"},{"speaker":"Andy Hart","startTime":1674.46,"endTime":1676.74,"body":"designer said, you know, these,"},{"speaker":"Andy Hart","startTime":1674.46,"endTime":1676.74,"body":"these tiles have arrived, she"},{"speaker":"Andy Hart","startTime":1676.74,"endTime":1680.28,"body":"said, right, the way we're going"},{"speaker":"Andy Hart","startTime":1676.74,"endTime":1680.28,"body":"to do them is herringbone. And"},{"speaker":"Andy Hart","startTime":1680.31,"endTime":1682.71,"body":"his face dropped, he thought"},{"speaker":"Andy Hart","startTime":1680.31,"endTime":1682.71,"body":"I've never done herringbone"},{"speaker":"Andy Hart","startTime":1682.71,"endTime":1685.86,"body":"tiles before in that order. And"},{"speaker":"Andy Hart","startTime":1682.71,"endTime":1685.86,"body":"then he said, I'm gonna have to"},{"speaker":"Andy Hart","startTime":1685.86,"endTime":1688.32,"body":"charge you more, and he's just"},{"speaker":"Andy Hart","startTime":1685.86,"endTime":1688.32,"body":"gonna take a lot more time. You"},{"speaker":"Andy Hart","startTime":1688.32,"endTime":1691.02,"body":"know, I'm very used to doing the"},{"speaker":"Andy Hart","startTime":1688.32,"endTime":1691.02,"body":"bricks. So anyway, he sort of"},{"speaker":"Andy Hart","startTime":1691.08,"endTime":1693.33,"body":"tripled the amount of time he's"},{"speaker":"Andy Hart","startTime":1691.08,"endTime":1693.33,"body":"going to put these tiles and He"},{"speaker":"Andy Hart","startTime":1693.33,"endTime":1695.8799999999999,"body":"charged me a lot more money. And"},{"speaker":"Andy Hart","startTime":1693.33,"endTime":1695.8799999999999,"body":"in the end, the tiles that, you"},{"speaker":"Andy Hart","startTime":1695.8799999999999,"endTime":1699.93,"body":"know, amazing, and they make the"},{"speaker":"Andy Hart","startTime":1695.8799999999999,"endTime":1699.93,"body":"kitchen. Whereas obviously, if I"},{"speaker":"Andy Hart","startTime":1700.05,"endTime":1703.08,"body":"had that option myself and"},{"speaker":"Andy Hart","startTime":1700.05,"endTime":1703.08,"body":"choice myself, I would have made"},{"speaker":"Andy Hart","startTime":1703.08,"endTime":1705.78,"body":"a complete balls up. So the"},{"speaker":"Andy Hart","startTime":1703.08,"endTime":1705.78,"body":"point of the story is if you"},{"speaker":"Andy Hart","startTime":1705.78,"endTime":1708.33,"body":"employ professionals get out of"},{"speaker":"Andy Hart","startTime":1705.78,"endTime":1708.33,"body":"the way, you know, too many"},{"speaker":"Andy Hart","startTime":1708.33,"endTime":1710.52,"body":"people employ financial advisors"},{"speaker":"Andy Hart","startTime":1708.33,"endTime":1710.52,"body":"and then want to dabble and you"},{"speaker":"Andy Hart","startTime":1710.52,"endTime":1714.42,"body":"know, blow up the plan. So the"},{"speaker":"Andy Hart","startTime":1710.52,"endTime":1714.42,"body":"key is clients getting out of"},{"speaker":"Andy Hart","startTime":1714.42,"endTime":1717.06,"body":"their own way, you know, so I"},{"speaker":"Andy Hart","startTime":1714.42,"endTime":1717.06,"body":"could potentially have been a"},{"speaker":"Andy Hart","startTime":1717.06,"endTime":1721.53,"body":"bad client, obviously, you know,"},{"speaker":"Andy Hart","startTime":1717.06,"endTime":1721.53,"body":"I'm rather disagreeable. So"},{"speaker":"Andy Hart","startTime":1721.53,"endTime":1725.1299999999999,"body":"yeah, long story short, employ"},{"speaker":"Andy Hart","startTime":1721.53,"endTime":1725.1299999999999,"body":"professionals and then get out"},{"speaker":"Andy Hart","startTime":1725.1299999999999,"endTime":1729.75,"body":"of the way. My final topical tip"},{"speaker":"Andy Hart","startTime":1725.1299999999999,"endTime":1729.75,"body":"that is this episode is going"},{"speaker":"Andy Hart","startTime":1729.75,"endTime":1735.42,"body":"out on Thursday the 31st. And"},{"speaker":"Andy Hart","startTime":1729.75,"endTime":1735.42,"body":"yesterday was Mr. Warren"},{"speaker":"Andy Hart","startTime":1735.42,"endTime":1739.71,"body":"Buffett's 93rd birthday. I'm a"},{"speaker":"Andy Hart","startTime":1735.42,"endTime":1739.71,"body":"huge fan of Mr. Warren Buffett."},{"speaker":"Andy Hart","startTime":1739.71,"endTime":1743.55,"body":"So Happy Birthday, Mr. Buffett."},{"speaker":"Andy Hart","startTime":1739.71,"endTime":1743.55,"body":"93. Let's hope you get to at"},{"speaker":"Andy Hart","startTime":1743.55,"endTime":1747.12,"body":"least 115 and continue to share"},{"speaker":"Andy Hart","startTime":1743.55,"endTime":1747.12,"body":"your wisdom with us every year."},{"speaker":"Andy Hart","startTime":1747.8999999999999,"endTime":1749.1599999999999,"body":"That's it back to your boss."},{"speaker":"Carl Widger","startTime":1750.6,"endTime":1753.3899999999999,"body":"That's probably"},{"speaker":"Carl Widger","startTime":1750.6,"endTime":1753.3899999999999,"body":"hear that right."},{"speaker":"Alan Smith","startTime":1753.87,"endTime":1757.53,"body":"That means that"},{"speaker":"Alan Smith","startTime":1753.87,"endTime":1757.53,"body":"means Do you know that? Assuming"},{"speaker":"Alan Smith","startTime":1757.53,"endTime":1763.77,"body":"he lives to be there on January"},{"speaker":"Alan Smith","startTime":1757.53,"endTime":1763.77,"body":"1 coming up in a few months, Joe"},{"speaker":"Alan Smith","startTime":1763.8,"endTime":1768.69,"body":"is his psychic Charlie mangas"},{"speaker":"Alan Smith","startTime":1763.8,"endTime":1768.69,"body":"100th birthday. Yeah, I believe"},{"speaker":"Alan Smith","startTime":1769.02,"endTime":1772.68,"body":"be 100 on first January. So"},{"speaker":"Alan Smith","startTime":1769.02,"endTime":1772.68,"body":"don't forget to send a birthday"},{"speaker":"Alan Smith","startTime":1772.68,"endTime":1773.04,"body":"card"},{"speaker":"Nick Lincoln","startTime":1773.1,"endTime":1774.6599999999999,"body":"or what am I asked"},{"speaker":"Nick Lincoln","startTime":1773.1,"endTime":1774.6599999999999,"body":"him to come on as a special"},{"speaker":"Nick Lincoln","startTime":1774.6599999999999,"endTime":1775.11,"body":"guest."},{"speaker":"Carl Widger","startTime":1776.7,"endTime":1778.5,"body":"I think that's a"},{"speaker":"Carl Widger","startTime":1776.7,"endTime":1778.5,"body":"great idea. And he will even"},{"speaker":"Carl Widger","startTime":1778.5,"endTime":1779.73,"body":"after that. You take"},{"speaker":"Alan Smith","startTime":1779.73,"endTime":1781.8899999999999,"body":"care of it because I"},{"speaker":"Alan Smith","startTime":1779.73,"endTime":1781.8899999999999,"body":"know I know. I know how you how"},{"speaker":"Alan Smith","startTime":1781.8899999999999,"endTime":1784.86,"body":"good you all get Nick Murray to"},{"speaker":"Alan Smith","startTime":1781.8899999999999,"endTime":1784.86,"body":"attend. Six degrees of"},{"speaker":"Alan Smith","startTime":1784.86,"endTime":1785.6399999999999,"body":"separation. We"},{"speaker":"Andy Hart","startTime":1785.6399999999999,"endTime":1788.37,"body":"said this business"},{"speaker":"Andy Hart","startTime":1785.6399999999999,"endTime":1788.37,"body":"separation surely there's"},{"speaker":"Andy Hart","startTime":1788.37,"endTime":1790.2,"body":"someone out there who's"},{"speaker":"Andy Hart","startTime":1788.37,"endTime":1790.2,"body":"listening to this that know"},{"speaker":"Andy Hart","startTime":1790.2,"endTime":1792.57,"body":"someone who's listening. This"},{"speaker":"Andy Hart","startTime":1790.2,"endTime":1792.57,"body":"that knows"},{"speaker":"Alan Smith","startTime":1792.6,"endTime":1794.6399999999999,"body":"who's joining. It's"},{"speaker":"Alan Smith","startTime":1792.6,"endTime":1794.6399999999999,"body":"got to you've got to Charlie"},{"speaker":"Alan Smith","startTime":1794.6399999999999,"endTime":1796.86,"body":"Munger has a close personal"},{"speaker":"Alan Smith","startTime":1794.6399999999999,"endTime":1796.86,"body":"friend. He must be somebody"},{"speaker":"Nick Lincoln","startTime":1797.3999999999999,"endTime":1799.08,"body":"close personal"},{"speaker":"Nick Lincoln","startTime":1797.3999999999999,"endTime":1799.08,"body":"friend. There we go get it in."},{"speaker":"Nick Lincoln","startTime":1799.95,"endTime":1803.37,"body":"Okay, good stuff. I think we've"},{"speaker":"Nick Lincoln","startTime":1799.95,"endTime":1803.37,"body":"given the topical tidbits a damn"},{"speaker":"Nick Lincoln","startTime":1803.37,"endTime":1806.94,"body":"good thrashing. Let's move on to"},{"speaker":"Nick Lincoln","startTime":1803.37,"endTime":1806.94,"body":"the meat and potatoes of this"},{"speaker":"Nick Lincoln","startTime":1806.94,"endTime":1810.51,"body":"show. We're already half an hour"},{"speaker":"Nick Lincoln","startTime":1806.94,"endTime":1810.51,"body":"in. So this is a question that's"},{"speaker":"Nick Lincoln","startTime":1810.51,"endTime":1813.27,"body":"been in our hopper for quite a"},{"speaker":"Nick Lincoln","startTime":1810.51,"endTime":1813.27,"body":"while from Amon Prendergast a"},{"speaker":"Nick Lincoln","startTime":1813.27,"endTime":1819.09,"body":"Trappist, who's on Twitter as at"},{"speaker":"Nick Lincoln","startTime":1813.27,"endTime":1819.09,"body":"financial 118. And I'll read out"},{"speaker":"Nick Lincoln","startTime":1819.09,"endTime":1821.85,"body":"his question because this is"},{"speaker":"Nick Lincoln","startTime":1819.09,"endTime":1821.85,"body":"going to take up the next part"},{"speaker":"Nick Lincoln","startTime":1821.85,"endTime":1824.19,"body":"of the show and it's it's a"},{"speaker":"Nick Lincoln","startTime":1821.85,"endTime":1824.19,"body":"subject that does need"},{"speaker":"Nick Lincoln","startTime":1824.19,"endTime":1827.31,"body":"addressing mostly most of you"},{"speaker":"Nick Lincoln","startTime":1824.19,"endTime":1827.31,"body":"have experience of organizing"},{"speaker":"Nick Lincoln","startTime":1827.34,"endTime":1830.37,"body":"events slash seminars. I'm"},{"speaker":"Nick Lincoln","startTime":1827.34,"endTime":1830.37,"body":"interested in one Finding out"},{"speaker":"Nick Lincoln","startTime":1830.37,"endTime":1833.97,"body":"how you would set up a seminar"},{"speaker":"Nick Lincoln","startTime":1830.37,"endTime":1833.97,"body":"for say 50 accountants from"},{"speaker":"Nick Lincoln","startTime":1833.97,"endTime":1836.97,"body":"cradle to grave. This may"},{"speaker":"Nick Lincoln","startTime":1833.97,"endTime":1836.97,"body":"include how long the seminar"},{"speaker":"Nick Lincoln","startTime":1836.97,"endTime":1841.23,"body":"should be best way to invite"},{"speaker":"Nick Lincoln","startTime":1836.97,"endTime":1841.23,"body":"attendees were to post the"},{"speaker":"Nick Lincoln","startTime":1841.23,"endTime":1844.56,"body":"event, the structure of the"},{"speaker":"Nick Lincoln","startTime":1841.23,"endTime":1844.56,"body":"event topics you would focus on."},{"speaker":"Nick Lincoln","startTime":1845.34,"endTime":1847.92,"body":"We're looking to add additional"},{"speaker":"Nick Lincoln","startTime":1845.34,"endTime":1847.92,"body":"speakers which accounts since"},{"speaker":"Nick Lincoln","startTime":1847.92,"endTime":1850.47,"body":"would find interesting. How"},{"speaker":"Nick Lincoln","startTime":1847.92,"endTime":1850.47,"body":"would you follow up after the"},{"speaker":"Nick Lincoln","startTime":1850.47,"endTime":1852.6299999999999,"body":"event? Thanks, Simon. So"},{"speaker":"Nick Lincoln","startTime":1850.47,"endTime":1852.6299999999999,"body":"multiple questions and they're"},{"speaker":"Nick Lincoln","startTime":1852.6299999999999,"endTime":1856.29,"body":"basically and it doesn't have to"},{"speaker":"Nick Lincoln","startTime":1852.6299999999999,"endTime":1856.29,"body":"be for accountants. I think that"},{"speaker":"Nick Lincoln","startTime":1856.29,"endTime":1858.6299999999999,"body":"the the lessons and when I speak"},{"speaker":"Nick Lincoln","startTime":1856.29,"endTime":1858.6299999999999,"body":"about this, I talk about this"},{"speaker":"Nick Lincoln","startTime":1858.6299999999999,"endTime":1860.73,"body":"the lessons of how to organize"},{"speaker":"Nick Lincoln","startTime":1858.6299999999999,"endTime":1860.73,"body":"them follow up in a seminar"},{"speaker":"Nick Lincoln","startTime":1860.94,"endTime":1863.85,"body":"apply to whoever your target"},{"speaker":"Nick Lincoln","startTime":1860.94,"endTime":1863.85,"body":"audience is, but just addressing"},{"speaker":"Nick Lincoln","startTime":1863.85,"endTime":1866.82,"body":"the accountants part first,"},{"speaker":"Nick Lincoln","startTime":1863.85,"endTime":1866.82,"body":"because that isn't a question"},{"speaker":"Nick Lincoln","startTime":1866.82,"endTime":1870.72,"body":"from Amon Cole, you have"},{"speaker":"Nick Lincoln","startTime":1866.82,"endTime":1870.72,"body":"experience of a organizing"},{"speaker":"Nick Lincoln","startTime":1870.93,"endTime":1874.53,"body":"seminars for Metis, Norway and"},{"speaker":"Nick Lincoln","startTime":1870.93,"endTime":1874.53,"body":"also organizing a seminar for"},{"speaker":"Nick Lincoln","startTime":1874.53,"endTime":1878.22,"body":"accountants tell us with your"},{"speaker":"Nick Lincoln","startTime":1874.53,"endTime":1878.22,"body":"typical honesty, how that went."},{"speaker":"Carl Widger","startTime":1879.06,"endTime":1886.77,"body":"So we did a seminar"},{"speaker":"Carl Widger","startTime":1879.06,"endTime":1886.77,"body":"event for accountants, it's it's"},{"speaker":"Carl Widger","startTime":1886.8,"endTime":1890.61,"body":"ages and ages ago now. So maybe"},{"speaker":"Carl Widger","startTime":1886.8,"endTime":1890.61,"body":"2016 17, something like that,"},{"speaker":"Carl Widger","startTime":1890.61,"endTime":1894.09,"body":"right? On the basis that let's"},{"speaker":"Carl Widger","startTime":1890.61,"endTime":1894.09,"body":"gather a lot of accountants"},{"speaker":"Carl Widger","startTime":1894.09,"endTime":1896.55,"body":"centers of influence, and then"},{"speaker":"Carl Widger","startTime":1894.09,"endTime":1896.55,"body":"we'll get a lot of business out"},{"speaker":"Carl Widger","startTime":1896.55,"endTime":1900.45,"body":"of that. That's, that was kind"},{"speaker":"Carl Widger","startTime":1896.55,"endTime":1900.45,"body":"of the name of the game. And"},{"speaker":"Carl Widger","startTime":1900.45,"endTime":1903.51,"body":"then we, I took a bit of advice"},{"speaker":"Carl Widger","startTime":1900.45,"endTime":1903.51,"body":"from somebody else who had done"},{"speaker":"Carl Widger","startTime":1903.51,"endTime":1907.4099999999999,"body":"stuff like this. And the kind of"},{"speaker":"Carl Widger","startTime":1903.51,"endTime":1907.4099999999999,"body":"theme of it was there was new"},{"speaker":"Carl Widger","startTime":1907.4099999999999,"endTime":1909.48,"body":"pension rules, I can't even"},{"speaker":"Carl Widger","startTime":1907.4099999999999,"endTime":1909.48,"body":"remember what they were. But we"},{"speaker":"Carl Widger","startTime":1909.48,"endTime":1912.87,"body":"were going to talk about the"},{"speaker":"Carl Widger","startTime":1909.48,"endTime":1912.87,"body":"very, very technical stuff about"},{"speaker":"Carl Widger","startTime":1912.87,"endTime":1917.34,"body":"that. And we got a kind of a"},{"speaker":"Carl Widger","startTime":1912.87,"endTime":1917.34,"body":"well known tax guy to do that"},{"speaker":"Carl Widger","startTime":1917.34,"endTime":1921.18,"body":"part of the talk. And then we"},{"speaker":"Carl Widger","startTime":1917.34,"endTime":1921.18,"body":"did, the second part of the"},{"speaker":"Carl Widger","startTime":1921.18,"endTime":1925.86,"body":"seminar was an investment talk,"},{"speaker":"Carl Widger","startTime":1921.18,"endTime":1925.86,"body":"right. And we didn't do anything"},{"speaker":"Carl Widger","startTime":1925.86,"endTime":1929.8799999999999,"body":"about financial planning. And we"},{"speaker":"Carl Widger","startTime":1925.86,"endTime":1929.8799999999999,"body":"didn't go into the boat, cash"},{"speaker":"Carl Widger","startTime":1929.8799999999999,"endTime":1933.3899999999999,"body":"flow modeling, or, you know,"},{"speaker":"Carl Widger","startTime":1929.8799999999999,"endTime":1933.3899999999999,"body":"stuff that probably most of the"},{"speaker":"Carl Widger","startTime":1933.3899999999999,"endTime":1936.99,"body":"people in the room wouldn't have"},{"speaker":"Carl Widger","startTime":1933.3899999999999,"endTime":1936.99,"body":"seen before. So we did that. We"},{"speaker":"Carl Widger","startTime":1936.99,"endTime":1941.67,"body":"got a big because I think the"},{"speaker":"Carl Widger","startTime":1936.99,"endTime":1941.67,"body":"technical piece was new, and"},{"speaker":"Carl Widger","startTime":1941.7,"endTime":1945.24,"body":"that the speaker was kind of"},{"speaker":"Carl Widger","startTime":1941.7,"endTime":1945.24,"body":"well known to all of these"},{"speaker":"Carl Widger","startTime":1945.24,"endTime":1948.33,"body":"people, we got a good crowd out"},{"speaker":"Carl Widger","startTime":1945.24,"endTime":1948.33,"body":"of now when I say good crowd, we"},{"speaker":"Carl Widger","startTime":1948.33,"endTime":1955.26,"body":"got maybe 30 to 35 accountants"},{"speaker":"Carl Widger","startTime":1948.33,"endTime":1955.26,"body":"in the room. And for me, of all"},{"speaker":"Carl Widger","startTime":1955.26,"endTime":1958.98,"body":"of the events that we had done,"},{"speaker":"Carl Widger","startTime":1955.26,"endTime":1958.98,"body":"it probably just turned out to"},{"speaker":"Carl Widger","startTime":1958.98,"endTime":1963.27,"body":"be the biggest damp squib it was"},{"speaker":"Carl Widger","startTime":1958.98,"endTime":1963.27,"body":"it was the energy in the room"},{"speaker":"Carl Widger","startTime":1963.27,"endTime":1967.5,"body":"wasn't good. We had zero"},{"speaker":"Carl Widger","startTime":1963.27,"endTime":1967.5,"body":"questions at all. And for me,"},{"speaker":"Carl Widger","startTime":1967.5,"endTime":1972.69,"body":"then afterwards, it wasn't that"},{"speaker":"Carl Widger","startTime":1967.5,"endTime":1972.69,"body":"it wasn't that bad now, right? I"},{"speaker":"Carl Widger","startTime":1972.69,"endTime":1977.07,"body":"look, you got to here's here's"},{"speaker":"Carl Widger","startTime":1972.69,"endTime":1977.07,"body":"one point that probably didn't"},{"speaker":"Carl Widger","startTime":1977.07,"endTime":1979.8899999999999,"body":"think about when I was going to"},{"speaker":"Carl Widger","startTime":1977.07,"endTime":1979.8899999999999,"body":"talking about this, this is all"},{"speaker":"Carl Widger","startTime":1979.8899999999999,"endTime":1982.8,"body":"learning, isn't it, you got to"},{"speaker":"Carl Widger","startTime":1979.8899999999999,"endTime":1982.8,"body":"make the mistakes. And you know,"},{"speaker":"Carl Widger","startTime":1982.86,"endTime":1986.8799999999999,"body":"your first event of all of these"},{"speaker":"Carl Widger","startTime":1982.86,"endTime":1986.8799999999999,"body":"kinds is never going to be you"},{"speaker":"Carl Widger","startTime":1986.8799999999999,"endTime":1988.53,"body":"know, you're going to be a"},{"speaker":"Carl Widger","startTime":1986.8799999999999,"endTime":1988.53,"body":"little bit embarrassed looking"},{"speaker":"Carl Widger","startTime":1988.53,"endTime":1992.52,"body":"back. So you just got to make"},{"speaker":"Carl Widger","startTime":1988.53,"endTime":1992.52,"body":"the mistakes. So look, it"},{"speaker":"Carl Widger","startTime":1992.52,"endTime":1995.94,"body":"probably did help get the metas"},{"speaker":"Carl Widger","startTime":1992.52,"endTime":1995.94,"body":"name out there. But what would"},{"speaker":"Carl Widger","startTime":1995.94,"endTime":1999.81,"body":"we have done differently? We'd"},{"speaker":"Carl Widger","startTime":1995.94,"endTime":1999.81,"body":"have definitely done some"},{"speaker":"Carl Widger","startTime":1999.81,"endTime":2002.21,"body":"financial planning stuff, and"},{"speaker":"Carl Widger","startTime":1999.81,"endTime":2002.21,"body":"I'm not sure the investment"},{"speaker":"Carl Widger","startTime":2002.21,"endTime":2009.56,"body":"piece was relevant, was needed."},{"speaker":"Carl Widger","startTime":2002.21,"endTime":2009.56,"body":"And however, looking back, do"},{"speaker":"Carl Widger","startTime":2009.56,"endTime":2012.8899999999999,"body":"the accountants want to ask"},{"speaker":"Carl Widger","startTime":2009.56,"endTime":2012.8899999999999,"body":"questions in front of each"},{"speaker":"Carl Widger","startTime":2012.8899999999999,"endTime":2017.8999999999999,"body":"other? I don't think they do."},{"speaker":"Carl Widger","startTime":2012.8899999999999,"endTime":2017.8999999999999,"body":"For fear of, you know, looking"},{"speaker":"Carl Widger","startTime":2017.8999999999999,"endTime":2020.48,"body":"like, you know, Jesus, I should"},{"speaker":"Carl Widger","startTime":2017.8999999999999,"endTime":2020.48,"body":"have known that, or what's a"},{"speaker":"Carl Widger","startTime":2020.48,"endTime":2020.6599999999999,"body":"really"},{"speaker":"Alan Smith","startTime":2020.6599999999999,"endTime":2022.97,"body":"good point? Really?"},{"speaker":"Alan Smith","startTime":2020.6599999999999,"endTime":2022.97,"body":"So it's a really good point."},{"speaker":"Alan Smith","startTime":2022.97,"endTime":2023.3,"body":"Yeah."},{"speaker":"Carl Widger","startTime":2023.78,"endTime":2028.76,"body":"So what what we"},{"speaker":"Carl Widger","startTime":2023.78,"endTime":2028.76,"body":"have done instead is we took a"},{"speaker":"Carl Widger","startTime":2028.76,"endTime":2030.71,"body":"different note, we don't run"},{"speaker":"Carl Widger","startTime":2028.76,"endTime":2030.71,"body":"loads of other events, which I"},{"speaker":"Carl Widger","startTime":2030.71,"endTime":2034.31,"body":"can talk about if we have time"},{"speaker":"Carl Widger","startTime":2030.71,"endTime":2034.31,"body":"that are on right. But for the"},{"speaker":"Carl Widger","startTime":2034.31,"endTime":2039.1399999999999,"body":"accountants in particular, what"},{"speaker":"Carl Widger","startTime":2034.31,"endTime":2039.1399999999999,"body":"we've done instead is we've gone"},{"speaker":"Carl Widger","startTime":2039.1399999999999,"endTime":2043.1599999999999,"body":"to the one one on one, okay, and"},{"speaker":"Carl Widger","startTime":2039.1399999999999,"endTime":2043.1599999999999,"body":"we've said, look, we've got this"},{"speaker":"Carl Widger","startTime":2043.1599999999999,"endTime":2046.7,"body":"Metis life plan, this is so for"},{"speaker":"Carl Widger","startTime":2043.1599999999999,"endTime":2046.7,"body":"everybody else, that's cash flow"},{"speaker":"Carl Widger","startTime":2046.7,"endTime":2052.28,"body":"modeling. Let us do one of these"},{"speaker":"Carl Widger","startTime":2046.7,"endTime":2052.28,"body":"for your biggest client or one"},{"speaker":"Carl Widger","startTime":2052.28,"endTime":2054.86,"body":"of your biggest clients, or"},{"speaker":"Carl Widger","startTime":2052.28,"endTime":2054.86,"body":"someone who's maybe coming to a"},{"speaker":"Carl Widger","startTime":2054.86,"endTime":2059.06,"body":"transitionary point, ie Selling"},{"speaker":"Carl Widger","startTime":2054.86,"endTime":2059.06,"body":"A Business etc. We can do it,"},{"speaker":"Carl Widger","startTime":2059.09,"endTime":2062.84,"body":"you just give us the details,"},{"speaker":"Carl Widger","startTime":2059.09,"endTime":2062.84,"body":"but blank out names, we'll do it"},{"speaker":"Carl Widger","startTime":2062.9300000000003,"endTime":2067.7000000000003,"body":"and then we will present it to"},{"speaker":"Carl Widger","startTime":2062.9300000000003,"endTime":2067.7000000000003,"body":"you. And almost all of the time"},{"speaker":"Carl Widger","startTime":2067.7000000000003,"endTime":2071.6,"body":"the accountant goes, whoa,"},{"speaker":"Carl Widger","startTime":2067.7000000000003,"endTime":2071.6,"body":"Jesus, this is brilliant. Can we"},{"speaker":"Carl Widger","startTime":2071.6,"endTime":2075.05,"body":"do this for the client, I'll"},{"speaker":"Carl Widger","startTime":2071.6,"endTime":2075.05,"body":"just ask the client, can I have"},{"speaker":"Carl Widger","startTime":2075.05,"endTime":2078.5299999999997,"body":"permission to blah, blah, blah."},{"speaker":"Carl Widger","startTime":2075.05,"endTime":2078.5299999999997,"body":"And then we go and do the"},{"speaker":"Carl Widger","startTime":2078.5299999999997,"endTime":2080.99,"body":"presentation to Metis, Vice"},{"speaker":"Carl Widger","startTime":2078.5299999999997,"endTime":2080.99,"body":"President Metis lifetime"},{"speaker":"Carl Widger","startTime":2080.99,"endTime":2083.87,"body":"presentation to the client and"},{"speaker":"Carl Widger","startTime":2080.99,"endTime":2083.87,"body":"the accountant. So that's one"},{"speaker":"Carl Widger","startTime":2083.87,"endTime":2086.42,"body":"thing that I would strongly"},{"speaker":"Carl Widger","startTime":2083.87,"endTime":2086.42,"body":"recommend. And I think really,"},{"speaker":"Carl Widger","startTime":2086.42,"endTime":2090.35,"body":"really, really does work. Of"},{"speaker":"Carl Widger","startTime":2086.42,"endTime":2090.35,"body":"course, if you offer this to 10"},{"speaker":"Carl Widger","startTime":2090.35,"endTime":2094.52,"body":"accountants, you might get to do"},{"speaker":"Carl Widger","startTime":2090.35,"endTime":2094.52,"body":"two or three presentations. So"},{"speaker":"Carl Widger","startTime":2094.52,"endTime":2097.37,"body":"this is a numbers game, because"},{"speaker":"Carl Widger","startTime":2094.52,"endTime":2097.37,"body":"accountants, after all, are"},{"speaker":"Carl Widger","startTime":2097.37,"endTime":2101.24,"body":"very, very busy. And also they"},{"speaker":"Carl Widger","startTime":2097.37,"endTime":2101.24,"body":"don't necessarily think do we do"},{"speaker":"Carl Widger","startTime":2101.6,"endTime":2104.48,"body":"the great work that we actually"},{"speaker":"Carl Widger","startTime":2101.6,"endTime":2104.48,"body":"do? So that's our challenge is"},{"speaker":"Carl Widger","startTime":2104.48,"endTime":2107.84,"body":"to actually show them so telling"},{"speaker":"Carl Widger","startTime":2104.48,"endTime":2107.84,"body":"them I don't think is any good,"},{"speaker":"Carl Widger","startTime":2107.84,"endTime":2110.69,"body":"you got to actually show them."},{"speaker":"Carl Widger","startTime":2107.84,"endTime":2110.69,"body":"And that has worked"},{"speaker":"Carl Widger","startTime":2110.72,"endTime":2116.12,"body":"spectacularly well for us with a"},{"speaker":"Carl Widger","startTime":2110.72,"endTime":2116.12,"body":"number of accountants and we"},{"speaker":"Carl Widger","startTime":2116.12,"endTime":2119.3,"body":"have lots of centers of"},{"speaker":"Carl Widger","startTime":2116.12,"endTime":2119.3,"body":"influence. Now, in the tax"},{"speaker":"Carl Widger","startTime":2119.3,"endTime":2123.38,"body":"advice accountancy firms who"},{"speaker":"Carl Widger","startTime":2119.3,"endTime":2123.38,"body":"just turned we need to go get a"},{"speaker":"Carl Widger","startTime":2123.41,"endTime":2125.7799999999997,"body":"financial plan from Metis"},{"speaker":"Carl Widger","startTime":2123.41,"endTime":2125.7799999999997,"body":"Ireland. So that's one thing."},{"speaker":"Carl Widger","startTime":2125.7799999999997,"endTime":2131.06,"body":"The other thing that we've done"},{"speaker":"Carl Widger","startTime":2125.7799999999997,"endTime":2131.06,"body":"as well is the old entertaining."},{"speaker":"Carl Widger","startTime":2131.18,"endTime":2135.68,"body":"So asking an accountant to a"},{"speaker":"Carl Widger","startTime":2131.18,"endTime":2135.68,"body":"really nice golf course and say"},{"speaker":"Carl Widger","startTime":2135.68,"endTime":2140.96,"body":"bring two clients are bringing"},{"speaker":"Carl Widger","startTime":2135.68,"endTime":2140.96,"body":"six clients and we'll let's just"},{"speaker":"Carl Widger","startTime":2140.99,"endTime":2144.8,"body":"all get to know each other"},{"speaker":"Carl Widger","startTime":2140.99,"endTime":2144.8,"body":"first. We won't talk business."},{"speaker":"Carl Widger","startTime":2144.86,"endTime":2148.88,"body":"And then you know that that kind"},{"speaker":"Carl Widger","startTime":2144.86,"endTime":2148.88,"body":"of positions it better for the"},{"speaker":"Carl Widger","startTime":2148.88,"endTime":2151.58,"body":"client for the accountant to be"},{"speaker":"Carl Widger","startTime":2148.88,"endTime":2151.58,"body":"able to say to his or her client"},{"speaker":"Carl Widger","startTime":2151.58,"endTime":2155.69,"body":"to say, Hey, why Carlos is"},{"speaker":"Carl Widger","startTime":2151.58,"endTime":2155.69,"body":"financial planning, I've seen"},{"speaker":"Carl Widger","startTime":2155.69,"endTime":2158.7799999999997,"body":"it, I think you need it now that"},{"speaker":"Carl Widger","startTime":2155.69,"endTime":2158.7799999999997,"body":"you've met him, you know, he's"},{"speaker":"Carl Widger","startTime":2158.7799999999997,"endTime":2161.93,"body":"not an axe murderer are are for"},{"speaker":"Carl Widger","startTime":2158.7799999999997,"endTime":2161.93,"body":"any of the other matters people"},{"speaker":"Carl Widger","startTime":2161.93,"endTime":2164.66,"body":"in the in that that might be"},{"speaker":"Carl Widger","startTime":2161.93,"endTime":2164.66,"body":"playing golf. So that's worked"},{"speaker":"Carl Widger","startTime":2164.66,"endTime":2168.11,"body":"really, really well for us. Now"},{"speaker":"Carl Widger","startTime":2164.66,"endTime":2168.11,"body":"we are looking to try and kind"},{"speaker":"Carl Widger","startTime":2168.11,"endTime":2171.47,"body":"of bring that maybe not"},{"speaker":"Carl Widger","startTime":2168.11,"endTime":2171.47,"body":"necessarily exclusively to golf"},{"speaker":"Carl Widger","startTime":2171.47,"endTime":2173.93,"body":"courses, but to do other events."},{"speaker":"Carl Widger","startTime":2171.47,"endTime":2173.93,"body":"So we have other things"},{"speaker":"Carl Widger","startTime":2173.93,"endTime":2177.05,"body":"happening on that front as well."},{"speaker":"Carl Widger","startTime":2173.93,"endTime":2177.05,"body":"So looked at that's kind of my"},{"speaker":"Carl Widger","startTime":2177.05,"endTime":2183.38,"body":"experience on it. I would say"},{"speaker":"Carl Widger","startTime":2177.05,"endTime":2183.38,"body":"spending a lot of time, money"},{"speaker":"Carl Widger","startTime":2183.38,"endTime":2188.39,"body":"and effort into doing a big"},{"speaker":"Carl Widger","startTime":2183.38,"endTime":2188.39,"body":"accountancy seminar might not be"},{"speaker":"Carl Widger","startTime":2188.39,"endTime":2191.72,"body":"the best way forward for you."},{"speaker":"Carl Widger","startTime":2188.39,"endTime":2191.72,"body":"But hey, that's my experience."},{"speaker":"Carl Widger","startTime":2191.72,"endTime":2194.69,"body":"I'm sure there's plenty of other"},{"speaker":"Carl Widger","startTime":2191.72,"endTime":2194.69,"body":"advisors out there who are going"},{"speaker":"Carl Widger","startTime":2194.69,"endTime":2198.11,"body":"to tell you that that's all they"},{"speaker":"Carl Widger","startTime":2194.69,"endTime":2198.11,"body":"do. And they smash it out of the"},{"speaker":"Carl Widger","startTime":2198.11,"endTime":2201.5,"body":"park on it's absolutely"},{"speaker":"Carl Widger","startTime":2198.11,"endTime":2201.5,"body":"brilliant. So like, it's this is"},{"speaker":"Carl Widger","startTime":2201.5,"endTime":2204.41,"body":"the thing, you got to find your"},{"speaker":"Carl Widger","startTime":2201.5,"endTime":2204.41,"body":"groove, you got to find your way"},{"speaker":"Carl Widger","startTime":2204.41,"endTime":2208.46,"body":"forward. So in summary, amen. If"},{"speaker":"Carl Widger","startTime":2204.41,"endTime":2208.46,"body":"you were if you are going to run"},{"speaker":"Carl Widger","startTime":2208.46,"endTime":2212.0,"body":"this, definitely do a piece"},{"speaker":"Carl Widger","startTime":2208.46,"endTime":2212.0,"body":"about financial planning, but"},{"speaker":"Carl Widger","startTime":2212.0,"endTime":2214.94,"body":"link it to a technical piece"},{"speaker":"Carl Widger","startTime":2212.0,"endTime":2214.94,"body":"that they do like but don't"},{"speaker":"Carl Widger","startTime":2214.94,"endTime":2220.34,"body":"expect a lot of engagements."},{"speaker":"Carl Widger","startTime":2214.94,"endTime":2220.34,"body":"That's my final point. So Andy,"},{"speaker":"Carl Widger","startTime":2220.34,"endTime":2224.54,"body":"you're obviously doing mega"},{"speaker":"Carl Widger","startTime":2220.34,"endTime":2224.54,"body":"events in terms of humans under"},{"speaker":"Carl Widger","startTime":2224.54,"endTime":2228.38,"body":"management, probably the best"},{"speaker":"Carl Widger","startTime":2224.54,"endTime":2228.38,"body":"known financial adviser event in"},{"speaker":"Carl Widger","startTime":2228.38,"endTime":2232.61,"body":"the UK. So what's your take on"},{"speaker":"Carl Widger","startTime":2228.38,"endTime":2232.61,"body":"this and running events? In"},{"speaker":"Carl Widger","startTime":2232.61,"endTime":2234.83,"body":"general? What are the main"},{"speaker":"Carl Widger","startTime":2232.61,"endTime":2234.83,"body":"themes people should be looking"},{"speaker":"Carl Widger","startTime":2234.83,"endTime":2235.0099999999998,"body":"at?"},{"speaker":"Andy Hart","startTime":2235.22,"endTime":2237.23,"body":"Your last statement"},{"speaker":"Andy Hart","startTime":2235.22,"endTime":2237.23,"body":"will definitely be a YouTube"},{"speaker":"Andy Hart","startTime":2237.23,"endTime":2242.09,"body":"short thanks for that car. Just"},{"speaker":"Andy Hart","startTime":2237.23,"endTime":2242.09,"body":"a follow on from a point that"},{"speaker":"Andy Hart","startTime":2242.09,"endTime":2245.96,"body":"you may call about showing your"},{"speaker":"Andy Hart","startTime":2242.09,"endTime":2245.96,"body":"work to accountants I used to do"},{"speaker":"Andy Hart","startTime":2245.99,"endTime":2248.15,"body":"I don't it's about three or four"},{"speaker":"Andy Hart","startTime":2245.99,"endTime":2248.15,"body":"times. So I'll take on a new"},{"speaker":"Andy Hart","startTime":2248.15,"endTime":2250.79,"body":"client, I said you have an"},{"speaker":"Andy Hart","startTime":2248.15,"endTime":2250.79,"body":"accountant, they say yes. I"},{"speaker":"Andy Hart","startTime":2250.79,"endTime":2254.57,"body":"said, What's the details? Are"},{"speaker":"Andy Hart","startTime":2250.79,"endTime":2254.57,"body":"they quite proactive? And then I"},{"speaker":"Andy Hart","startTime":2254.57,"endTime":2256.79,"body":"say can I contact the accountant"},{"speaker":"Andy Hart","startTime":2254.57,"endTime":2256.79,"body":"and say like, we're working with"},{"speaker":"Andy Hart","startTime":2256.79,"endTime":2260.99,"body":"you collaboratively. And I asked"},{"speaker":"Andy Hart","startTime":2256.79,"endTime":2260.99,"body":"the client permission to share"},{"speaker":"Andy Hart","startTime":2260.99,"endTime":2264.14,"body":"the financial Master Plan, which"},{"speaker":"Andy Hart","startTime":2260.99,"endTime":2264.14,"body":"is the sort of cash flow output."},{"speaker":"Andy Hart","startTime":2264.8,"endTime":2266.87,"body":"And I've emailed it to"},{"speaker":"Andy Hart","startTime":2264.8,"endTime":2266.87,"body":"accountants. And it's like, I"},{"speaker":"Andy Hart","startTime":2266.87,"endTime":2271.73,"body":"think it's like the most"},{"speaker":"Andy Hart","startTime":2266.87,"endTime":2271.73,"body":"beautifully presented 15 pages"},{"speaker":"Andy Hart","startTime":2271.7599999999998,"endTime":2277.4,"body":"of pure financial planning"},{"speaker":"Andy Hart","startTime":2271.7599999999998,"endTime":2277.4,"body":"wonder the countered is zero"},{"speaker":"Andy Hart","startTime":2277.4,"endTime":2281.06,"body":"interest in it. I don't know if"},{"speaker":"Andy Hart","startTime":2277.4,"endTime":2281.06,"body":"they feel intimidated. You know,"},{"speaker":"Andy Hart","startTime":2281.06,"endTime":2283.73,"body":"you expect them to see it and"},{"speaker":"Andy Hart","startTime":2281.06,"endTime":2283.73,"body":"go, Wow, this is fantastic. All"},{"speaker":"Andy Hart","startTime":2283.73,"endTime":2288.8,"body":"of our other clients need this."},{"speaker":"Andy Hart","startTime":2283.73,"endTime":2288.8,"body":"I need this. I've had not too"},{"speaker":"Andy Hart","startTime":2288.83,"endTime":2291.71,"body":"good success with that. So if"},{"speaker":"Andy Hart","startTime":2288.83,"endTime":2291.71,"body":"anyone's thinking about doing"},{"speaker":"Andy Hart","startTime":2291.71,"endTime":2292.73,"body":"that tread carefully,"},{"speaker":"Carl Widger","startTime":2293.15,"endTime":2296.0299999999997,"body":"just Can I just"},{"speaker":"Carl Widger","startTime":2293.15,"endTime":2296.0299999999997,"body":"jump on that one before Nick has"},{"speaker":"Carl Widger","startTime":2296.0299999999997,"endTime":2299.42,"body":"a point to make as well. But I"},{"speaker":"Carl Widger","startTime":2296.0299999999997,"endTime":2299.42,"body":"wouldn't I think that's pretty"},{"speaker":"Carl Widger","startTime":2299.42,"endTime":2301.97,"body":"pointless sending it out sending"},{"speaker":"Carl Widger","startTime":2299.42,"endTime":2301.97,"body":"a 15 page document out because"},{"speaker":"Carl Widger","startTime":2301.97,"endTime":2303.38,"body":"if I got that I'd probably"},{"speaker":"Carl Widger","startTime":2301.97,"endTime":2303.38,"body":"deleted"},{"speaker":"Andy Hart","startTime":2303.5299999999997,"endTime":2305.6,"body":"it. But what lots of"},{"speaker":"Andy Hart","startTime":2303.5299999999997,"endTime":2305.6,"body":"beautiful, what I'm saying is,"},{"speaker":"Andy Hart","startTime":2306.08,"endTime":2308.72,"body":"I'm doing that work with that"},{"speaker":"Andy Hart","startTime":2306.08,"endTime":2308.72,"body":"client. Anyway, I'm just"},{"speaker":"Andy Hart","startTime":2308.72,"endTime":2312.11,"body":"involving the accountant to be"},{"speaker":"Andy Hart","startTime":2308.72,"endTime":2312.11,"body":"collaborative with it to show"},{"speaker":"Andy Hart","startTime":2312.11,"endTime":2315.41,"body":"that this is the overall"},{"speaker":"Andy Hart","startTime":2312.11,"endTime":2315.41,"body":"situation and you know, invite"},{"speaker":"Andy Hart","startTime":2315.41,"endTime":2315.65,"body":"them"},{"speaker":"Carl Widger","startTime":2315.68,"endTime":2318.62,"body":"invite them to the"},{"speaker":"Carl Widger","startTime":2315.68,"endTime":2318.62,"body":"meeting, Andy Yeah, I can have"},{"speaker":"Carl Widger","startTime":2318.62,"endTime":2322.07,"body":"collaborative HSE consultant and"},{"speaker":"Carl Widger","startTime":2318.62,"endTime":2322.07,"body":"his wife has been a client of"},{"speaker":"Carl Widger","startTime":2322.07,"endTime":2324.47,"body":"mine for years and years and"},{"speaker":"Carl Widger","startTime":2322.07,"endTime":2324.47,"body":"years. undiscounted came to the"},{"speaker":"Carl Widger","startTime":2370.5499999999997,"endTime":2374.63,"body":"meeting. And it's amazing. Like"},{"speaker":"Carl Widger","startTime":2370.5499999999997,"endTime":2374.63,"body":"we just I think the client now"},{"speaker":"Carl Widger","startTime":2374.63,"endTime":2378.35,"body":"has a lot of trust built up and"},{"speaker":"Carl Widger","startTime":2374.63,"endTime":2378.35,"body":"both of us. But a lot of the"},{"speaker":"Carl Widger","startTime":2378.35,"endTime":2381.95,"body":"meeting is me talking to the"},{"speaker":"Carl Widger","startTime":2378.35,"endTime":2381.95,"body":"accountant with the client"},{"speaker":"Carl Widger","startTime":2381.95,"endTime":2384.47,"body":"couple are beside us and they're"},{"speaker":"Carl Widger","startTime":2381.95,"endTime":2384.47,"body":"just delighted that, hey, I've"},{"speaker":"Carl Widger","startTime":2384.47,"endTime":2387.0499999999997,"body":"got these two guys. Yeah,"},{"speaker":"Carl Widger","startTime":2384.47,"endTime":2387.0499999999997,"body":"brilliant in my in my corner."},{"speaker":"Carl Widger","startTime":2388.5499999999997,"endTime":2391.73,"body":"When I say show the work, you"},{"speaker":"Carl Widger","startTime":2388.5499999999997,"endTime":2391.73,"body":"know, emailing a presentation or"},{"speaker":"Carl Widger","startTime":2391.7599999999998,"endTime":2395.7799999999997,"body":"you know, sending screenshots"},{"speaker":"Carl Widger","startTime":2391.7599999999998,"endTime":2395.7799999999997,"body":"from void. That's not going to"},{"speaker":"Carl Widger","startTime":2395.7799999999997,"endTime":2398.27,"body":"work. But anyway, sorry for the"},{"speaker":"Carl Widger","startTime":2395.7799999999997,"endTime":2398.27,"body":"introduction. Nick, what was"},{"speaker":"Carl Widger","startTime":2398.27,"endTime":2398.93,"body":"your point on that?"},{"speaker":"Nick Lincoln","startTime":2400.19,"endTime":2403.97,"body":"No worries called."},{"speaker":"Nick Lincoln","startTime":2400.19,"endTime":2403.97,"body":"Yes. My point is that I think a"},{"speaker":"Nick Lincoln","startTime":2403.97,"endTime":2408.89,"body":"static financial plan doesn't"},{"speaker":"Nick Lincoln","startTime":2403.97,"endTime":2408.89,"body":"ring anyone's Bell really. And"},{"speaker":"Nick Lincoln","startTime":2409.91,"endTime":2413.27,"body":"if you're going to get cash flow"},{"speaker":"Nick Lincoln","startTime":2409.91,"endTime":2413.27,"body":"across two accounts, the I mean,"},{"speaker":"Nick Lincoln","startTime":2413.27,"endTime":2415.85,"body":"I've got one accountant"},{"speaker":"Nick Lincoln","startTime":2413.27,"endTime":2415.85,"body":"introduced this this this lady"},{"speaker":"Nick Lincoln","startTime":2415.85,"endTime":2419.6,"body":"in Berkhamsted and she you know,"},{"speaker":"Nick Lincoln","startTime":2415.85,"endTime":2419.6,"body":"like of course, accountants deal"},{"speaker":"Nick Lincoln","startTime":2419.6,"endTime":2421.8199999999997,"body":"with limited company business"},{"speaker":"Nick Lincoln","startTime":2419.6,"endTime":2421.8199999999997,"body":"owners and for me, that's the"},{"speaker":"Nick Lincoln","startTime":2421.8199999999997,"endTime":2426.62,"body":"ideal target market Limited"},{"speaker":"Nick Lincoln","startTime":2421.8199999999997,"endTime":2426.62,"body":"Company. Business owners ideally"},{"speaker":"Nick Lincoln","startTime":2426.62,"endTime":2428.39,"body":"husbands and wives, right. And"},{"speaker":"Nick Lincoln","startTime":2426.62,"endTime":2428.39,"body":"if you're working with those"},{"speaker":"Nick Lincoln","startTime":2428.39,"endTime":2431.69,"body":"kind of clients doing cash flow,"},{"speaker":"Nick Lincoln","startTime":2428.39,"endTime":2431.69,"body":"get as as one of the to be"},{"speaker":"Nick Lincoln","startTime":2431.69,"endTime":2434.0299999999997,"body":"leaders who they get the client"},{"speaker":"Nick Lincoln","startTime":2431.69,"endTime":2434.0299999999997,"body":"get the accountant in on the"},{"speaker":"Nick Lincoln","startTime":2434.0299999999997,"endTime":2436.46,"body":"annual planning meetings and"},{"speaker":"Nick Lincoln","startTime":2434.0299999999997,"endTime":2436.46,"body":"this lady, this accountant, she"},{"speaker":"Nick Lincoln","startTime":2436.46,"endTime":2439.91,"body":"loves it she if she can see the"},{"speaker":"Nick Lincoln","startTime":2436.46,"endTime":2439.91,"body":"cash flow modeling happening in"},{"speaker":"Nick Lincoln","startTime":2439.91,"endTime":2442.4,"body":"real time because we share the"},{"speaker":"Nick Lincoln","startTime":2439.91,"endTime":2442.4,"body":"screens and everything then then"},{"speaker":"Nick Lincoln","startTime":2442.4,"endTime":2444.5899999999997,"body":"they they are getting the"},{"speaker":"Nick Lincoln","startTime":2442.4,"endTime":2444.5899999999997,"body":"counters get engaged, I think I"},{"speaker":"Nick Lincoln","startTime":2444.5899999999997,"endTime":2448.31,"body":"think a flat PDF necessarily"},{"speaker":"Nick Lincoln","startTime":2444.5899999999997,"endTime":2448.31,"body":"won't do it. And that's"},{"speaker":"Nick Lincoln","startTime":2448.31,"endTime":2451.22,"body":"definitely something I would do"},{"speaker":"Nick Lincoln","startTime":2448.31,"endTime":2451.22,"body":"if I was running a seminar or"},{"speaker":"Nick Lincoln","startTime":2451.22,"endTime":2453.92,"body":"webinar with accountants, as the"},{"speaker":"Nick Lincoln","startTime":2451.22,"endTime":2453.92,"body":"audience, as you said called"},{"speaker":"Nick Lincoln","startTime":2453.92,"endTime":2456.35,"body":"Give them all away some give"},{"speaker":"Nick Lincoln","startTime":2453.92,"endTime":2456.35,"body":"them some technical stuff, they"},{"speaker":"Nick Lincoln","startTime":2456.35,"endTime":2458.33,"body":"can go and use, you know, remind"},{"speaker":"Nick Lincoln","startTime":2456.35,"endTime":2458.33,"body":"them about the lifetime"},{"speaker":"Nick Lincoln","startTime":2458.33,"endTime":2460.97,"body":"allowance going remind them"},{"speaker":"Nick Lincoln","startTime":2458.33,"endTime":2460.97,"body":"about the annual allowance in"},{"speaker":"Nick Lincoln","startTime":2460.97,"endTime":2464.0299999999997,"body":"the UK now being 60k because"},{"speaker":"Nick Lincoln","startTime":2460.97,"endTime":2464.0299999999997,"body":"some of them won't know talk to"},{"speaker":"Nick Lincoln","startTime":2464.0299999999997,"endTime":2467.3599999999997,"body":"them about relevant Life"},{"speaker":"Nick Lincoln","startTime":2464.0299999999997,"endTime":2467.3599999999997,"body":"policies, you know, just as just"},{"speaker":"Nick Lincoln","startTime":2467.3599999999997,"endTime":2471.02,"body":"give him some stuff and then do"},{"speaker":"Nick Lincoln","startTime":2467.3599999999997,"endTime":2471.02,"body":"I would then for the second half"},{"speaker":"Nick Lincoln","startTime":2471.02,"endTime":2473.48,"body":"of the seminar, I would pivot to"},{"speaker":"Nick Lincoln","startTime":2471.02,"endTime":2473.48,"body":"a live cash flow demonstration"},{"speaker":"Nick Lincoln","startTime":2473.48,"endTime":2476.24,"body":"of Mr. And Mrs. company owner,"},{"speaker":"Nick Lincoln","startTime":2473.48,"endTime":2476.24,"body":"because accountants are new And"},{"speaker":"Nick Lincoln","startTime":2476.24,"endTime":2479.21,"body":"we're obviously and the better"},{"speaker":"Nick Lincoln","startTime":2476.24,"endTime":2479.21,"body":"accountants will will. There'll"},{"speaker":"Nick Lincoln","startTime":2479.21,"endTime":2481.7599999999998,"body":"be doing cash flow for their"},{"speaker":"Nick Lincoln","startTime":2479.21,"endTime":2481.7599999999998,"body":"clients, businesses. And all"},{"speaker":"Nick Lincoln","startTime":2481.7599999999998,"endTime":2483.68,"body":"we're doing is saying we're"},{"speaker":"Nick Lincoln","startTime":2481.7599999999998,"endTime":2483.68,"body":"doing exactly the same for the"},{"speaker":"Nick Lincoln","startTime":2483.71,"endTime":2485.72,"body":"for the business owners"},{"speaker":"Nick Lincoln","startTime":2483.71,"endTime":2485.72,"body":"themselves. We're doing the cash"},{"speaker":"Nick Lincoln","startTime":2485.72,"endTime":2487.88,"body":"flow and build a plan live."},{"speaker":"Nick Lincoln","startTime":2485.72,"endTime":2487.88,"body":"That's what that's what I would"},{"speaker":"Nick Lincoln","startTime":2487.88,"endTime":2491.0,"body":"say. If an accountant doesn't"},{"speaker":"Nick Lincoln","startTime":2487.88,"endTime":2491.0,"body":"respond to somebody sit in the"},{"speaker":"Nick Lincoln","startTime":2491.0,"endTime":2494.66,"body":"flesh and a plan being built for"},{"speaker":"Nick Lincoln","startTime":2491.0,"endTime":2494.66,"body":"their clients, then I would"},{"speaker":"Nick Lincoln","startTime":2494.66,"endTime":2497.0299999999997,"body":"suggest that accountant, we"},{"speaker":"Nick Lincoln","startTime":2494.66,"endTime":2497.0299999999997,"body":"should probably get"},{"speaker":"Alan Smith","startTime":2497.0299999999997,"endTime":2501.14,"body":"back to seminars and"},{"speaker":"Alan Smith","startTime":2497.0299999999997,"endTime":2501.14,"body":"webinars. You talking about just"},{"speaker":"Alan Smith","startTime":2501.17,"endTime":2502.25,"body":"dealing with accountants?"},{"speaker":"Nick Lincoln","startTime":2503.45,"endTime":2506.0899999999997,"body":"Yeah, but the"},{"speaker":"Nick Lincoln","startTime":2503.45,"endTime":2506.0899999999997,"body":"question was about your Weetabix"},{"speaker":"Nick Lincoln","startTime":2506.0899999999997,"endTime":2510.29,"body":"in Ireland? No, it's not spoken"},{"speaker":"Nick Lincoln","startTime":2506.0899999999997,"endTime":2510.29,"body":"potem. And it's just having"},{"speaker":"Nick Lincoln","startTime":2510.29,"endTime":2517.22,"body":"withdrawal symptoms. Okay, fine."},{"speaker":"Nick Lincoln","startTime":2510.29,"endTime":2517.22,"body":"Seminars, to me, okay, so,"},{"speaker":"Nick Lincoln","startTime":2517.6099999999997,"endTime":2520.37,"body":"events, that sort of business to"},{"speaker":"Nick Lincoln","startTime":2517.6099999999997,"endTime":2520.37,"body":"business, don't use a token,"},{"speaker":"Nick Lincoln","startTime":2520.85,"endTime":2521.54,"body":"organize business"},{"speaker":"Andy Hart","startTime":2521.54,"endTime":2523.0699999999997,"body":"to business or"},{"speaker":"Andy Hart","startTime":2521.54,"endTime":2523.0699999999997,"body":"financial advice. I've never"},{"speaker":"Andy Hart","startTime":2523.0699999999997,"endTime":2526.04,"body":"done a client event and I"},{"speaker":"Andy Hart","startTime":2523.0699999999997,"endTime":2526.04,"body":"probably will never do one. I"},{"speaker":"Andy Hart","startTime":2526.04,"endTime":2528.47,"body":"might do an event with Maven"},{"speaker":"Andy Hart","startTime":2526.04,"endTime":2528.47,"body":"money, which my podcast but"},{"speaker":"Andy Hart","startTime":2528.47,"endTime":2531.23,"body":"anyway, so I've done events for"},{"speaker":"Andy Hart","startTime":2528.47,"endTime":2531.23,"body":"sort of two different brands. So"},{"speaker":"Andy Hart","startTime":2531.2599999999998,"endTime":2536.18,"body":"the voices User Group, which"},{"speaker":"Andy Hart","startTime":2531.2599999999998,"endTime":2536.18,"body":"started in December 2011. And"},{"speaker":"Andy Hart","startTime":2536.18,"endTime":2538.0099999999998,"body":"then I've got humans under"},{"speaker":"Andy Hart","startTime":2536.18,"endTime":2538.0099999999998,"body":"management. We started in"},{"speaker":"Andy Hart","startTime":2538.0099999999998,"endTime":2541.49,"body":"November 2017. Just a brief sort"},{"speaker":"Andy Hart","startTime":2538.0099999999998,"endTime":2541.49,"body":"of story about this, like"},{"speaker":"Andy Hart","startTime":2541.49,"endTime":2544.3399999999997,"body":"business stories. I remember I"},{"speaker":"Andy Hart","startTime":2541.49,"endTime":2544.3399999999997,"body":"sat down with a, it wasn't"},{"speaker":"Andy Hart","startTime":2544.3399999999997,"endTime":2547.73,"body":"really going to be a potential"},{"speaker":"Andy Hart","startTime":2544.3399999999997,"endTime":2547.73,"body":"client or prospect, but I pretty"},{"speaker":"Andy Hart","startTime":2547.73,"endTime":2550.16,"body":"much knew I wasn't going to work"},{"speaker":"Andy Hart","startTime":2547.73,"endTime":2550.16,"body":"with him. Anyway, he sold his"},{"speaker":"Andy Hart","startTime":2550.88,"endTime":2554.54,"body":"garden maintenance company for"},{"speaker":"Andy Hart","startTime":2550.88,"endTime":2554.54,"body":"45 million. And he was a"},{"speaker":"Andy Hart","startTime":2554.5699999999997,"endTime":2557.12,"body":"slightly older gentleman, I"},{"speaker":"Andy Hart","startTime":2554.5699999999997,"endTime":2557.12,"body":"think it's about 75 years old,"},{"speaker":"Andy Hart","startTime":2557.12,"endTime":2559.67,"body":"the company. So I sat down with"},{"speaker":"Andy Hart","startTime":2557.12,"endTime":2559.67,"body":"him just have a general chat and"},{"speaker":"Andy Hart","startTime":2559.67,"endTime":2561.92,"body":"things to avoid or whatever. And"},{"speaker":"Andy Hart","startTime":2559.67,"endTime":2561.92,"body":"I thought it was gonna be quite"},{"speaker":"Andy Hart","startTime":2561.92,"endTime":2564.14,"body":"confident, quite arrogant, or"},{"speaker":"Andy Hart","startTime":2561.92,"endTime":2564.14,"body":"whatever. He said, Andy, I set"},{"speaker":"Andy Hart","startTime":2564.14,"endTime":2567.62,"body":"up this business 50 years ago"},{"speaker":"Andy Hart","startTime":2564.14,"endTime":2567.62,"body":"with a one lawn mower. And it"},{"speaker":"Andy Hart","startTime":2567.62,"endTime":2570.68,"body":"just hit me like the start the"},{"speaker":"Andy Hart","startTime":2567.62,"endTime":2570.68,"body":"meeting, you know, he was very"},{"speaker":"Andy Hart","startTime":2570.68,"endTime":2573.14,"body":"humble that you just built this"},{"speaker":"Andy Hart","startTime":2570.68,"endTime":2573.14,"body":"business over time, over time"},{"speaker":"Andy Hart","startTime":2573.14,"endTime":2575.87,"body":"over time. And it was the same"},{"speaker":"Andy Hart","startTime":2573.14,"endTime":2575.87,"body":"with the sat down the lady that"},{"speaker":"Andy Hart","startTime":2575.87,"endTime":2578.42,"body":"sold a load of nurseries. And"},{"speaker":"Andy Hart","startTime":2575.87,"endTime":2578.42,"body":"she said, Andy, I set this"},{"speaker":"Andy Hart","startTime":2578.42,"endTime":2580.7599999999998,"body":"business 30 years ago, and I"},{"speaker":"Andy Hart","startTime":2578.42,"endTime":2580.7599999999998,"body":"started off with, you know, one"},{"speaker":"Andy Hart","startTime":2580.7599999999998,"endTime":2583.5499999999997,"body":"kid, and I've just built it up"},{"speaker":"Andy Hart","startTime":2580.7599999999998,"endTime":2583.5499999999997,"body":"and it was in my house. And then"},{"speaker":"Andy Hart","startTime":2583.5499999999997,"endTime":2586.37,"body":"I rented it, you know, a local"},{"speaker":"Andy Hart","startTime":2583.5499999999997,"endTime":2586.37,"body":"place. And then the built it"},{"speaker":"Andy Hart","startTime":2586.37,"endTime":2589.46,"body":"built it built it. So I love the"},{"speaker":"Andy Hart","startTime":2586.37,"endTime":2589.46,"body":"stories of businesses started"},{"speaker":"Andy Hart","startTime":2589.46,"endTime":2594.17,"body":"off with, you know, humble"},{"speaker":"Andy Hart","startTime":2589.46,"endTime":2594.17,"body":"beginnings as such. So my"},{"speaker":"Andy Hart","startTime":2594.29,"endTime":2597.35,"body":"tenuous link to setting up"},{"speaker":"Andy Hart","startTime":2594.29,"endTime":2597.35,"body":"events, the first event I ran"},{"speaker":"Andy Hart","startTime":2597.35,"endTime":2603.56,"body":"that, weirdly, Nick Lincoln was"},{"speaker":"Andy Hart","startTime":2597.35,"endTime":2603.56,"body":"at was in December 2011. In my"},{"speaker":"Andy Hart","startTime":2603.5899999999997,"endTime":2608.2999999999997,"body":"old office in pinner, Evan Taos."},{"speaker":"Andy Hart","startTime":2603.5899999999997,"endTime":2608.2999999999997,"body":"And I think there's about 10 of"},{"speaker":"Andy Hart","startTime":2608.2999999999997,"endTime":2610.97,"body":"us there. And I've got the list"},{"speaker":"Andy Hart","startTime":2608.2999999999997,"endTime":2610.97,"body":"of attendees actually, because I"},{"speaker":"Andy Hart","startTime":2611.2999999999997,"endTime":2615.14,"body":"quite keep, keep quite good"},{"speaker":"Andy Hart","startTime":2611.2999999999997,"endTime":2615.14,"body":"notes of things. So anyway, the"},{"speaker":"Andy Hart","startTime":2615.14,"endTime":2617.7799999999997,"body":"people that were there, I'm"},{"speaker":"Andy Hart","startTime":2615.14,"endTime":2617.7799999999997,"body":"gonna read them out now. was me,"},{"speaker":"Andy Hart","startTime":2617.81,"endTime":2622.19,"body":"Simon graves, Nick Lincoln."},{"speaker":"Andy Hart","startTime":2617.81,"endTime":2622.19,"body":"Let's Conway Stewart poonawalla,"},{"speaker":"Andy Hart","startTime":2622.37,"endTime":2627.65,"body":"Bob Freeman, grim Foster, Tony"},{"speaker":"Andy Hart","startTime":2622.37,"endTime":2627.65,"body":"Clarkin. And John scoles. Do you"},{"speaker":"Andy Hart","startTime":2627.65,"endTime":2628.79,"body":"remember this event, Nick?"},{"speaker":"Nick Lincoln","startTime":2629.81,"endTime":2635.5699999999997,"body":"I do. I do."},{"speaker":"Nick Lincoln","startTime":2629.81,"endTime":2635.5699999999997,"body":"Indeed. Okay, can we get back to"},{"speaker":"Nick Lincoln","startTime":2635.5699999999997,"endTime":2638.0899999999997,"body":"seminars? Because otherwise? So"},{"speaker":"Nick Lincoln","startTime":2635.5699999999997,"endTime":2638.0899999999997,"body":"can we talk about seminars"},{"speaker":"Nick Lincoln","startTime":2638.0899999999997,"endTime":2638.99,"body":"again, quick cold,"},{"speaker":"Alan Smith","startTime":2639.019,"endTime":2642.379,"body":"we were not invited"},{"speaker":"Alan Smith","startTime":2639.019,"endTime":2642.379,"body":"to that event call or do all we"},{"speaker":"Alan Smith","startTime":2642.379,"endTime":2643.159,"body":"were and we said,"},{"speaker":"Nick Lincoln","startTime":2643.19,"endTime":2644.54,"body":"these are the good"},{"speaker":"Nick Lincoln","startTime":2643.19,"endTime":2644.54,"body":"days. These are these are the"},{"speaker":"Nick Lincoln","startTime":2644.54,"endTime":2646.4,"body":"these are the these are the"},{"speaker":"Nick Lincoln","startTime":2644.54,"endTime":2646.4,"body":"clean days anyway."},{"speaker":"Andy Hart","startTime":2646.43,"endTime":2649.7599999999998,"body":"Okay, moving on. He"},{"speaker":"Andy Hart","startTime":2646.43,"endTime":2649.7599999999998,"body":"was still finding his way some"},{"speaker":"Andy Hart","startTime":2649.7599999999998,"endTime":2652.1,"body":"further information. So yeah,"},{"speaker":"Andy Hart","startTime":2649.7599999999998,"endTime":2652.1,"body":"I've been running financial"},{"speaker":"Andy Hart","startTime":2652.1,"endTime":2654.44,"body":"advisor events. And the main"},{"speaker":"Andy Hart","startTime":2652.1,"endTime":2654.44,"body":"thing I run is humans under"},{"speaker":"Andy Hart","startTime":2654.44,"endTime":2658.6099999999997,"body":"management this year, in SA"},{"speaker":"Andy Hart","startTime":2654.44,"endTime":2658.6099999999997,"body":"coming up later this month is"},{"speaker":"Andy Hart","startTime":2658.6099999999997,"endTime":2661.94,"body":"the 12th show of run. And in"},{"speaker":"Andy Hart","startTime":2658.6099999999997,"endTime":2661.94,"body":"London, it's going to be the"},{"speaker":"Andy Hart","startTime":2661.97,"endTime":2666.5299999999997,"body":"13th. And events are hard and"},{"speaker":"Andy Hart","startTime":2661.97,"endTime":2666.5299999999997,"body":"challenging. Um, you know,"},{"speaker":"Andy Hart","startTime":2666.5299999999997,"endTime":2668.96,"body":"they're expensive. There's a lot"},{"speaker":"Andy Hart","startTime":2666.5299999999997,"endTime":2668.96,"body":"of work that goes involved in"},{"speaker":"Andy Hart","startTime":2668.96,"endTime":2672.5,"body":"them. Since I've been set up"},{"speaker":"Andy Hart","startTime":2668.96,"endTime":2672.5,"body":"teams on the management I've"},{"speaker":"Andy Hart","startTime":2672.5,"endTime":2676.31,"body":"booked 150 speakers. So you've"},{"speaker":"Andy Hart","startTime":2672.5,"endTime":2676.31,"body":"got a book speakers, which is,"},{"speaker":"Andy Hart","startTime":2676.7599999999998,"endTime":2679.43,"body":"you know, challenging in itself."},{"speaker":"Andy Hart","startTime":2676.7599999999998,"endTime":2679.43,"body":"You've obviously got to sell"},{"speaker":"Andy Hart","startTime":2679.43,"endTime":2681.68,"body":"tickets, you've got to find a"},{"speaker":"Andy Hart","startTime":2679.43,"endTime":2681.68,"body":"venue got to worry about"},{"speaker":"Andy Hart","startTime":2681.68,"endTime":2686.63,"body":"logistics. Timing is important."},{"speaker":"Andy Hart","startTime":2681.68,"endTime":2686.63,"body":"Some specific points to his"},{"speaker":"Andy Hart","startTime":2686.63,"endTime":2689.48,"body":"question. Yes, I use Eventbrite."},{"speaker":"Andy Hart","startTime":2686.63,"endTime":2689.48,"body":"Yes, you should use LinkedIn."},{"speaker":"Andy Hart","startTime":2689.48,"endTime":2693.41,"body":"Yes, you should use Twitter. I"},{"speaker":"Andy Hart","startTime":2689.48,"endTime":2693.41,"body":"use Pay Pal on the back end."},{"speaker":"Andy Hart","startTime":2694.16,"endTime":2699.1099999999997,"body":"Yeah, events are challenging,"},{"speaker":"Andy Hart","startTime":2694.16,"endTime":2699.1099999999997,"body":"but rewarding. Yeah, so I'll"},{"speaker":"Andy Hart","startTime":2699.1099999999997,"endTime":2702.3199999999997,"body":"continue to run event is over to"},{"speaker":"Andy Hart","startTime":2699.1099999999997,"endTime":2702.3199999999997,"body":"you, Nick."},{"speaker":"Nick Lincoln","startTime":2703.0699999999997,"endTime":2706.19,"body":"It's over to me, I"},{"speaker":"Nick Lincoln","startTime":2703.0699999999997,"endTime":2706.19,"body":"think Yeah. Okay. Thank you guys"},{"speaker":"Nick Lincoln","startTime":2706.19,"endTime":2709.19,"body":"for your input into that. So I"},{"speaker":"Nick Lincoln","startTime":2706.19,"endTime":2709.19,"body":"don't do I don't do seminars. I"},{"speaker":"Nick Lincoln","startTime":2709.19,"endTime":2712.4,"body":"don't I haven't organized a"},{"speaker":"Nick Lincoln","startTime":2709.19,"endTime":2712.4,"body":"seminar for either my clients or"},{"speaker":"Nick Lincoln","startTime":2712.4,"endTime":2716.0899999999997,"body":"for other advisors. Really I get"},{"speaker":"Nick Lincoln","startTime":2712.4,"endTime":2716.0899999999997,"body":"involved with Andy with the"},{"speaker":"Nick Lincoln","startTime":2716.0899999999997,"endTime":2720.5,"body":"voices user group to an extent"},{"speaker":"Nick Lincoln","startTime":2716.0899999999997,"endTime":2720.5,"body":"and that's now a webinar and"},{"speaker":"Nick Lincoln","startTime":2720.5,"endTime":2724.5499999999997,"body":"that's really well yes, I know I"},{"speaker":"Nick Lincoln","startTime":2720.5,"endTime":2724.5499999999997,"body":"can't I can feel a part of you"},{"speaker":"Nick Lincoln","startTime":2724.5499999999997,"endTime":2727.79,"body":"dying inside and maybe you as"},{"speaker":"Nick Lincoln","startTime":2724.5499999999997,"endTime":2727.79,"body":"well. If I was to do anything I"},{"speaker":"Nick Lincoln","startTime":2727.79,"endTime":2732.41,"body":"would now do it as a webinar not"},{"speaker":"Nick Lincoln","startTime":2727.79,"endTime":2732.41,"body":"a seminar I think the days of"},{"speaker":"Nick Lincoln","startTime":2733.3399999999997,"endTime":2736.16,"body":"unless you you know bigger firms"},{"speaker":"Nick Lincoln","startTime":2733.3399999999997,"endTime":2736.16,"body":"maybe you can do something you"},{"speaker":"Nick Lincoln","startTime":2736.16,"endTime":2739.16,"body":"do golf days totally get it"},{"speaker":"Nick Lincoln","startTime":2736.16,"endTime":2739.16,"body":"fine. But I think for the for"},{"speaker":"Nick Lincoln","startTime":2739.16,"endTime":2741.77,"body":"the for the lifestyle, financial"},{"speaker":"Nick Lincoln","startTime":2739.16,"endTime":2741.77,"body":"planner, webinars are the way"},{"speaker":"Nick Lincoln","startTime":2741.77,"endTime":2747.08,"body":"forward. And Phil Bray who's who"},{"speaker":"Nick Lincoln","startTime":2741.77,"endTime":2747.08,"body":"does listen to the show runs the"},{"speaker":"Nick Lincoln","startTime":2747.08,"endTime":2750.98,"body":"yardstick agency, a well known"},{"speaker":"Nick Lincoln","startTime":2747.08,"endTime":2750.98,"body":"marketing brand in in front of"},{"speaker":"Nick Lincoln","startTime":2751.0099999999998,"endTime":2753.83,"body":"UK financial services. He's"},{"speaker":"Nick Lincoln","startTime":2751.0099999999998,"endTime":2753.83,"body":"written two really good long"},{"speaker":"Nick Lincoln","startTime":2753.83,"endTime":2759.35,"body":"forms on how to organize a, a"},{"speaker":"Nick Lincoln","startTime":2753.83,"endTime":2759.35,"body":"webinar. Not a seminar but a"},{"speaker":"Nick Lincoln","startTime":2759.35,"endTime":2763.6099999999997,"body":"webinar. And I'll put links into"},{"speaker":"Nick Lincoln","startTime":2759.35,"endTime":2763.6099999999997,"body":"them. And actually, it's an"},{"speaker":"Nick Lincoln","startTime":2763.6099999999997,"endTime":2765.5299999999997,"body":"object lesson in content"},{"speaker":"Nick Lincoln","startTime":2763.6099999999997,"endTime":2765.5299999999997,"body":"marketing from Phil, what you'd"},{"speaker":"Nick Lincoln","startTime":2765.5299999999997,"endTime":2767.99,"body":"expect because he's a marketing"},{"speaker":"Nick Lincoln","startTime":2765.5299999999997,"endTime":2767.99,"body":"expert, because he's given"},{"speaker":"Nick Lincoln","startTime":2767.99,"endTime":2771.2599999999998,"body":"chapter on verse. The first"},{"speaker":"Nick Lincoln","startTime":2767.99,"endTime":2771.2599999999998,"body":"piece is how to organize a"},{"speaker":"Nick Lincoln","startTime":2771.2599999999998,"endTime":2774.35,"body":"webinar. Everything you need to"},{"speaker":"Nick Lincoln","startTime":2771.2599999999998,"endTime":2774.35,"body":"do so he mentions Eventbrite, he"},{"speaker":"Nick Lincoln","startTime":2774.35,"endTime":2776.96,"body":"mentions LinkedIn he mentions"},{"speaker":"Nick Lincoln","startTime":2774.35,"endTime":2776.96,"body":"upgrade In your zoom package,"},{"speaker":"Nick Lincoln","startTime":2776.96,"endTime":2779.75,"body":"don't run it as a Zoom meeting,"},{"speaker":"Nick Lincoln","startTime":2776.96,"endTime":2779.75,"body":"you have to buy the webinar"},{"speaker":"Nick Lincoln","startTime":2779.75,"endTime":2783.3199999999997,"body":"package, which is about 600 quid"},{"speaker":"Nick Lincoln","startTime":2779.75,"endTime":2783.3199999999997,"body":"a year. It just it just works"},{"speaker":"Nick Lincoln","startTime":2783.3199999999997,"endTime":2786.5299999999997,"body":"way better if you do that. And"},{"speaker":"Nick Lincoln","startTime":2783.3199999999997,"endTime":2786.5299999999997,"body":"then the second long form piece"},{"speaker":"Nick Lincoln","startTime":2786.5299999999997,"endTime":2789.1099999999997,"body":"that he wrote is the 10 mistakes"},{"speaker":"Nick Lincoln","startTime":2786.5299999999997,"endTime":2789.1099999999997,"body":"that you should avoid when doing"},{"speaker":"Nick Lincoln","startTime":2789.1099999999997,"endTime":2791.15,"body":"a webinar, which is really the"},{"speaker":"Nick Lincoln","startTime":2789.1099999999997,"endTime":2791.15,"body":"same article just rewritten."},{"speaker":"Nick Lincoln","startTime":2791.93,"endTime":2794.87,"body":"Really good. And you read this"},{"speaker":"Nick Lincoln","startTime":2791.93,"endTime":2794.87,"body":"thing, crikey, his Phil here has"},{"speaker":"Nick Lincoln","startTime":2794.87,"endTime":2798.68,"body":"given away everything I need to"},{"speaker":"Nick Lincoln","startTime":2794.87,"endTime":2798.68,"body":"organize a webinar. But it's"},{"speaker":"Nick Lincoln","startTime":2798.68,"endTime":2800.8399999999997,"body":"subtle content marketing,"},{"speaker":"Nick Lincoln","startTime":2798.68,"endTime":2800.8399999999997,"body":"because I think a lot of people"},{"speaker":"Nick Lincoln","startTime":2800.8399999999997,"endTime":2803.06,"body":"will look at this and think"},{"speaker":"Nick Lincoln","startTime":2800.8399999999997,"endTime":2803.06,"body":"Jesus Christ has a lot of moving"},{"speaker":"Nick Lincoln","startTime":2803.06,"endTime":2805.7,"body":"parts of that can go wrong, I"},{"speaker":"Nick Lincoln","startTime":2803.06,"endTime":2805.7,"body":"need to turn to an expert to"},{"speaker":"Nick Lincoln","startTime":2805.7,"endTime":2808.31,"body":"organize this webinar. For me,"},{"speaker":"Nick Lincoln","startTime":2805.7,"endTime":2808.31,"body":"who's the expert, he's just"},{"speaker":"Nick Lincoln","startTime":2808.31,"endTime":2811.46,"body":"demonstrated his expertise. It's"},{"speaker":"Nick Lincoln","startTime":2808.31,"endTime":2811.46,"body":"Phil Breyer, the Arctic agency"},{"speaker":"Nick Lincoln","startTime":2811.46,"endTime":2814.8199999999997,"body":"who makes one oblique sales line"},{"speaker":"Nick Lincoln","startTime":2811.46,"endTime":2814.8199999999997,"body":"in it and says, of course, this"},{"speaker":"Nick Lincoln","startTime":2814.8199999999997,"endTime":2817.7599999999998,"body":"is too much for you, you might"},{"speaker":"Nick Lincoln","startTime":2814.8199999999997,"endTime":2817.7599999999998,"body":"wish to outsource the organizing"},{"speaker":"Nick Lincoln","startTime":2817.7599999999998,"endTime":2819.92,"body":"and running your webinar to"},{"speaker":"Nick Lincoln","startTime":2817.7599999999998,"endTime":2819.92,"body":"people that know what they're"},{"speaker":"Nick Lincoln","startTime":2819.92,"endTime":2823.5499999999997,"body":"doing. So it's very subtle. So I"},{"speaker":"Nick Lincoln","startTime":2819.92,"endTime":2823.5499999999997,"body":"would, I would look at that, I"},{"speaker":"Nick Lincoln","startTime":2823.5499999999997,"endTime":2827.81,"body":"might, I'm just country with the"},{"speaker":"Nick Lincoln","startTime":2823.5499999999997,"endTime":2827.81,"body":"idea, I might run an annual"},{"speaker":"Nick Lincoln","startTime":2827.81,"endTime":2833.5699999999997,"body":"webinar for my clients, which"},{"speaker":"Nick Lincoln","startTime":2827.81,"endTime":2833.5699999999997,"body":"will just be to talk around the"},{"speaker":"Nick Lincoln","startTime":2833.6,"endTime":2837.92,"body":"investment, fun running the"},{"speaker":"Nick Lincoln","startTime":2833.6,"endTime":2837.92,"body":"portfolio, and maybe do it in"},{"speaker":"Nick Lincoln","startTime":2837.92,"endTime":2840.35,"body":"January, if you're looking back"},{"speaker":"Nick Lincoln","startTime":2837.92,"endTime":2840.35,"body":"over the last year. But of"},{"speaker":"Nick Lincoln","startTime":2840.35,"endTime":2843.14,"body":"course, as a one man band, I"},{"speaker":"Nick Lincoln","startTime":2840.35,"endTime":2843.14,"body":"would need to get a third party"},{"speaker":"Nick Lincoln","startTime":2843.14,"endTime":2846.2,"body":"involved the one if you're doing"},{"speaker":"Nick Lincoln","startTime":2843.14,"endTime":2846.2,"body":"webinars, don't do it by"},{"speaker":"Nick Lincoln","startTime":2846.2,"endTime":2848.0899999999997,"body":"yourself, because you've got"},{"speaker":"Nick Lincoln","startTime":2846.2,"endTime":2848.0899999999997,"body":"enough going on with the"},{"speaker":"Nick Lincoln","startTime":2848.0899999999997,"endTime":2850.43,"body":"presentation, you had to have"},{"speaker":"Nick Lincoln","startTime":2848.0899999999997,"endTime":2850.43,"body":"someone looking at the chat,"},{"speaker":"Nick Lincoln","startTime":2850.73,"endTime":2853.31,"body":"looking at the questions doing"},{"speaker":"Nick Lincoln","startTime":2850.73,"endTime":2853.31,"body":"the housekeeping and so forth."},{"speaker":"Nick Lincoln","startTime":2853.31,"endTime":2855.8599999999997,"body":"So I don't know if maybe"},{"speaker":"Nick Lincoln","startTime":2853.31,"endTime":2855.8599999999997,"body":"dimensional would step in and"},{"speaker":"Nick Lincoln","startTime":2855.8599999999997,"endTime":2858.5,"body":"would give a 10 minute overview"},{"speaker":"Nick Lincoln","startTime":2855.8599999999997,"endTime":2858.5,"body":"of where the markets had been"},{"speaker":"Nick Lincoln","startTime":2858.5,"endTime":2861.3199999999997,"body":"over the last year or so. And I"},{"speaker":"Nick Lincoln","startTime":2858.5,"endTime":2861.3199999999997,"body":"know you're thinking, Nicholas,"},{"speaker":"Nick Lincoln","startTime":2861.3199999999997,"endTime":2863.24,"body":"that's that's kind of"},{"speaker":"Nick Lincoln","startTime":2861.3199999999997,"endTime":2863.24,"body":"counterintuitive to your core"},{"speaker":"Nick Lincoln","startTime":2863.24,"endTime":2865.8199999999997,"body":"message, which is don't focus on"},{"speaker":"Nick Lincoln","startTime":2863.24,"endTime":2865.8199999999997,"body":"the investments. But I just"},{"speaker":"Nick Lincoln","startTime":2865.8199999999997,"endTime":2868.52,"body":"think once a year just saying,"},{"speaker":"Nick Lincoln","startTime":2865.8199999999997,"endTime":2868.52,"body":"Well, what's happened? Where"},{"speaker":"Nick Lincoln","startTime":2868.52,"endTime":2870.44,"body":"what just just just going"},{"speaker":"Nick Lincoln","startTime":2868.52,"endTime":2870.44,"body":"through the portfolio screen"},{"speaker":"Nick Lincoln","startTime":2870.44,"endTime":2872.45,"body":"through the 13,000, great"},{"speaker":"Nick Lincoln","startTime":2870.44,"endTime":2872.45,"body":"company, I don't know, I'm just"},{"speaker":"Nick Lincoln","startTime":2872.45,"endTime":2874.3399999999997,"body":"throwing it out there. It's"},{"speaker":"Nick Lincoln","startTime":2872.45,"endTime":2874.3399999999997,"body":"probably because I read this"},{"speaker":"Nick Lincoln","startTime":2874.3399999999997,"endTime":2876.8599999999997,"body":"article, it's front of my mind"},{"speaker":"Nick Lincoln","startTime":2874.3399999999997,"endTime":2876.8599999999997,"body":"on how to do a webinar. And I"},{"speaker":"Nick Lincoln","startTime":2876.8599999999997,"endTime":2879.56,"body":"haven't done a webinar, and I"},{"speaker":"Nick Lincoln","startTime":2876.8599999999997,"endTime":2879.56,"body":"want to do it i Yeah, I'm just"},{"speaker":"Carl Widger","startTime":2879.8599999999997,"endTime":2883.49,"body":"I like that idea,"},{"speaker":"Carl Widger","startTime":2879.8599999999997,"endTime":2883.49,"body":"Nick. And look, there's no part"},{"speaker":"Carl Widger","startTime":2883.49,"endTime":2888.1099999999997,"body":"of me thinks that it's not the"},{"speaker":"Carl Widger","startTime":2883.49,"endTime":2888.1099999999997,"body":"way to go is to do webinars"},{"speaker":"Carl Widger","startTime":2888.1099999999997,"endTime":2890.93,"body":"going forward. We're definitely"},{"speaker":"Carl Widger","startTime":2888.1099999999997,"endTime":2890.93,"body":"looking at them. And throughout"},{"speaker":"Carl Widger","startTime":2890.93,"endTime":2894.5299999999997,"body":"COVID, we did a number of"},{"speaker":"Carl Widger","startTime":2890.93,"endTime":2894.5299999999997,"body":"webinars that I hosted. And we"},{"speaker":"Carl Widger","startTime":2894.5299999999997,"endTime":2897.35,"body":"got actually loads of people on"},{"speaker":"Carl Widger","startTime":2894.5299999999997,"endTime":2897.35,"body":"them. So I'm not against that"},{"speaker":"Carl Widger","startTime":2897.62,"endTime":2901.94,"body":"idea at all. I just a little bit"},{"speaker":"Carl Widger","startTime":2897.62,"endTime":2901.94,"body":"old fashioned, and I love"},{"speaker":"Carl Widger","startTime":2902.42,"endTime":2905.81,"body":"pressing the flesh. And I love"},{"speaker":"Carl Widger","startTime":2902.42,"endTime":2905.81,"body":"just meeting people face to"},{"speaker":"Carl Widger","startTime":2905.81,"endTime":2909.68,"body":"face. So you know, but I do"},{"speaker":"Carl Widger","startTime":2905.81,"endTime":2909.68,"body":"understand that there is another"},{"speaker":"Carl Widger","startTime":2909.68,"endTime":2912.98,"body":"way. And I'm not convinced it's"},{"speaker":"Carl Widger","startTime":2909.68,"endTime":2912.98,"body":"a better way. But there's"},{"speaker":"Carl Widger","startTime":2912.98,"endTime":2916.22,"body":"another way. And of course, we"},{"speaker":"Carl Widger","startTime":2912.98,"endTime":2916.22,"body":"should be exploring all of the"},{"speaker":"Carl Widger","startTime":2916.22,"endTime":2920.72,"body":"ways. So yeah, I like that idea."},{"speaker":"Carl Widger","startTime":2916.22,"endTime":2920.72,"body":"And I do like the annual seminar"},{"speaker":"Carl Widger","startTime":2920.72,"endTime":2923.15,"body":"about investments. I think"},{"speaker":"Carl Widger","startTime":2920.72,"endTime":2923.15,"body":"that's a really good idea,"},{"speaker":"Carl Widger","startTime":2923.15,"endTime":2923.54,"body":"actually."},{"speaker":"Nick Lincoln","startTime":2924.65,"endTime":2927.38,"body":"Yeah, and so I"},{"speaker":"Nick Lincoln","startTime":2924.65,"endTime":2927.38,"body":"know we have some SJP listeners"},{"speaker":"Nick Lincoln","startTime":2927.38,"endTime":2929.8399999999997,"body":"to the to the show some to SJP"},{"speaker":"Nick Lincoln","startTime":2927.38,"endTime":2929.8399999999997,"body":"Trappists. And of course they"},{"speaker":"Nick Lincoln","startTime":2929.8399999999997,"endTime":2931.79,"body":"are they are the past masters"},{"speaker":"Nick Lincoln","startTime":2929.8399999999997,"endTime":2931.79,"body":"are organizing physical"},{"speaker":"Nick Lincoln","startTime":2931.79,"endTime":2934.5499999999997,"body":"seminars. That's that's, that's"},{"speaker":"Nick Lincoln","startTime":2931.79,"endTime":2934.5499999999997,"body":"one of their caches, isn't"},{"speaker":"Nick Lincoln","startTime":2934.5499999999997,"endTime":2937.7,"body":"they'll, they'll, they'll hire a"},{"speaker":"Nick Lincoln","startTime":2934.5499999999997,"endTime":2937.7,"body":"country pile. And they'll talk"},{"speaker":"Nick Lincoln","startTime":2937.7,"endTime":2940.91,"body":"about inheritance tax plan and"},{"speaker":"Nick Lincoln","startTime":2937.7,"endTime":2940.91,"body":"get a third party in the kind of"},{"speaker":"Nick Lincoln","startTime":2940.91,"endTime":2943.73,"body":"octopuses of this world. So"},{"speaker":"Nick Lincoln","startTime":2940.91,"endTime":2943.73,"body":"they'll they'll, they'll know"},{"speaker":"Nick Lincoln","startTime":2943.73,"endTime":2946.31,"body":"it, they'll they'll have it"},{"speaker":"Nick Lincoln","startTime":2943.73,"endTime":2946.31,"body":"nailed down. But with SJP it'll"},{"speaker":"Nick Lincoln","startTime":2946.31,"endTime":2948.29,"body":"be a manual everything we"},{"speaker":"Nick Lincoln","startTime":2946.31,"endTime":2948.29,"body":"process driven, you know you if"},{"speaker":"Nick Lincoln","startTime":2948.29,"endTime":2952.0099999999998,"body":"you want to organize a seminar,"},{"speaker":"Nick Lincoln","startTime":2948.29,"endTime":2952.0099999999998,"body":"practice, head, this is what you"},{"speaker":"Nick Lincoln","startTime":2952.0099999999998,"endTime":2954.5299999999997,"body":"do. And this is how you do it"},{"speaker":"Nick Lincoln","startTime":2952.0099999999998,"endTime":2954.5299999999997,"body":"and you do not do not deviate"},{"speaker":"Nick Lincoln","startTime":2954.5299999999997,"endTime":2957.92,"body":"from that. So there's different"},{"speaker":"Nick Lincoln","startTime":2954.5299999999997,"endTime":2957.92,"body":"ways to do Allen, you don't"},{"speaker":"Nick Lincoln","startTime":2958.6099999999997,"endTime":2961.64,"body":"particularly or or shoot me down"},{"speaker":"Nick Lincoln","startTime":2958.6099999999997,"endTime":2961.64,"body":"if I'm wrong. You don't organize"},{"speaker":"Nick Lincoln","startTime":2961.64,"endTime":2964.91,"body":"seminars per se for your"},{"speaker":"Nick Lincoln","startTime":2961.64,"endTime":2964.91,"body":"clients, but you attend them."},{"speaker":"Nick Lincoln","startTime":2965.39,"endTime":2969.08,"body":"What are your takeaways from a"},{"speaker":"Nick Lincoln","startTime":2965.39,"endTime":2969.08,"body":"good seminar and or a bad"},{"speaker":"Nick Lincoln","startTime":2969.08,"endTime":2970.73,"body":"seminar? What would you avoid?"},{"speaker":"Nick Lincoln","startTime":2969.08,"endTime":2970.73,"body":"Or what would you say? All"},{"speaker":"Nick Lincoln","startTime":2970.73,"endTime":2970.88,"body":"right,"},{"speaker":"Alan Smith","startTime":2970.91,"endTime":2973.25,"body":"I mean, just just"},{"speaker":"Alan Smith","startTime":2970.91,"endTime":2973.25,"body":"some some random thoughts is"},{"speaker":"Alan Smith","startTime":2973.2799999999997,"endTime":2978.08,"body":"listening to you guys. Just chat"},{"speaker":"Alan Smith","startTime":2973.2799999999997,"endTime":2978.08,"body":"this through. Interesting just"},{"speaker":"Alan Smith","startTime":2978.08,"endTime":2982.22,"body":"one thing, Nick on the SJP."},{"speaker":"Alan Smith","startTime":2978.08,"endTime":2982.22,"body":"Thief, famously, and I hope I'm"},{"speaker":"Alan Smith","startTime":2982.22,"endTime":2985.7,"body":"not miss remembering his name"},{"speaker":"Alan Smith","startTime":2982.22,"endTime":2985.7,"body":"that probably that I think I"},{"speaker":"Alan Smith","startTime":2985.7,"endTime":2988.85,"body":"gathered. The most successful"},{"speaker":"Alan Smith","startTime":2985.7,"endTime":2988.85,"body":"SGP advisor ever is a guy called"},{"speaker":"Alan Smith","startTime":2988.85,"endTime":2992.75,"body":"John Krause, who famously we"},{"speaker":"Alan Smith","startTime":2988.85,"endTime":2992.75,"body":"just had a chauffeur to us drive"},{"speaker":"Alan Smith","startTime":2992.75,"endTime":2995.2999999999997,"body":"around is in the back of his"},{"speaker":"Alan Smith","startTime":2992.75,"endTime":2995.2999999999997,"body":"Bentley. And if you're sitting"},{"speaker":"Alan Smith","startTime":2995.2999999999997,"endTime":2997.43,"body":"on his phone, you know,"},{"speaker":"Alan Smith","startTime":2995.2999999999997,"endTime":2997.43,"body":"arranging appointments, and he"},{"speaker":"Alan Smith","startTime":2997.43,"endTime":3001.6,"body":"was the seminar king. He would"},{"speaker":"Alan Smith","startTime":2997.43,"endTime":3001.6,"body":"just organize seminars. In fact,"},{"speaker":"Alan Smith","startTime":3002.68,"endTime":3005.5299999999997,"body":"I think at a podcast we've met"},{"speaker":"Alan Smith","startTime":3002.68,"endTime":3005.5299999999997,"body":"we've kind of chatted about this"},{"speaker":"Alan Smith","startTime":3005.5299999999997,"endTime":3008.5899999999997,"body":"briefly before in a previous"},{"speaker":"Alan Smith","startTime":3005.5299999999997,"endTime":3008.5899999999997,"body":"episode, guy called Colin Lawson"},{"speaker":"Alan Smith","startTime":3008.62,"endTime":3011.5,"body":"learned a lot from him. This Ken"},{"speaker":"Alan Smith","startTime":3008.62,"endTime":3011.5,"body":"Coleman also runs a firm"},{"speaker":"Alan Smith","startTime":3011.5,"endTime":3015.64,"body":"equilibrium up in the northwest,"},{"speaker":"Alan Smith","startTime":3011.5,"endTime":3015.64,"body":"hugely successful firm. And then"},{"speaker":"Alan Smith","startTime":3015.64,"endTime":3019.15,"body":"Colin jumped on that particular"},{"speaker":"Alan Smith","startTime":3015.64,"endTime":3019.15,"body":"bandwagon became and built a lot"},{"speaker":"Alan Smith","startTime":3019.15,"endTime":3021.7599999999998,"body":"of success as an independent"},{"speaker":"Alan Smith","startTime":3019.15,"endTime":3021.7599999999998,"body":"practitioner through seminar"},{"speaker":"Alan Smith","startTime":3021.7599999999998,"endTime":3024.22,"body":"selling. And you're right the"},{"speaker":"Alan Smith","startTime":3021.7599999999998,"endTime":3024.22,"body":"hook. The interesting thing is"},{"speaker":"Alan Smith","startTime":3024.22,"endTime":3027.4,"body":"finding a hook. What's going to"},{"speaker":"Alan Smith","startTime":3024.22,"endTime":3027.4,"body":"be interesting to get people to"},{"speaker":"Alan Smith","startTime":3027.4,"endTime":3030.19,"body":"come along to and what we"},{"speaker":"Alan Smith","startTime":3027.4,"endTime":3030.19,"body":"recognize is middle England hate"},{"speaker":"Alan Smith","startTime":3030.19,"endTime":3034.27,"body":"inheritance tax. That's just the"},{"speaker":"Alan Smith","startTime":3030.19,"endTime":3034.27,"body":"thing. So doing a seminar on"},{"speaker":"Alan Smith","startTime":3034.27,"endTime":3036.5499999999997,"body":"financial planning, no one"},{"speaker":"Alan Smith","startTime":3034.27,"endTime":3036.5499999999997,"body":"really knows what financial"},{"speaker":"Alan Smith","startTime":3036.5499999999997,"endTime":3039.67,"body":"planning is or investment"},{"speaker":"Alan Smith","startTime":3036.5499999999997,"endTime":3039.67,"body":"management. Well, it's vaguely"},{"speaker":"Alan Smith","startTime":3039.67,"endTime":3042.79,"body":"interesting, not really. But"},{"speaker":"Alan Smith","startTime":3039.67,"endTime":3042.79,"body":"inheritance tax was a great way"},{"speaker":"Alan Smith","startTime":3042.79,"endTime":3046.66,"body":"of getting people along and they"},{"speaker":"Alan Smith","startTime":3042.79,"endTime":3046.66,"body":"organized a lunch. And it was a"},{"speaker":"Alan Smith","startTime":3046.66,"endTime":3050.08,"body":"pure numbers game. And again,"},{"speaker":"Alan Smith","startTime":3046.66,"endTime":3050.08,"body":"this is public information that"},{"speaker":"Alan Smith","startTime":3050.08,"endTime":3052.87,"body":"I'm gonna be sharing this"},{"speaker":"Alan Smith","startTime":3050.08,"endTime":3052.87,"body":"because I heard Colin speak"},{"speaker":"Alan Smith","startTime":3052.87,"endTime":3058.42,"body":"about it. We cost about 10 grand"},{"speaker":"Alan Smith","startTime":3052.87,"endTime":3058.42,"body":"a an event. But you know, you"},{"speaker":"Alan Smith","startTime":3058.42,"endTime":3061.15,"body":"play the long game and you were"},{"speaker":"Alan Smith","startTime":3058.42,"endTime":3061.15,"body":"making whatever you make your"},{"speaker":"Alan Smith","startTime":3061.15,"endTime":3065.65,"body":"money back. What I have heard,"},{"speaker":"Alan Smith","startTime":3061.15,"endTime":3065.65,"body":"again, anecdotally that I'm sure"},{"speaker":"Alan Smith","startTime":3065.65,"endTime":3068.38,"body":"there's exceptions to the rule."},{"speaker":"Alan Smith","startTime":3065.65,"endTime":3068.38,"body":"What I've heard recently is"},{"speaker":"Alan Smith","startTime":3068.38,"endTime":3071.23,"body":"doesn't really work so much that"},{"speaker":"Alan Smith","startTime":3068.38,"endTime":3071.23,"body":"that is a process has been"},{"speaker":"Alan Smith","startTime":3071.23,"endTime":3075.22,"body":"really exploited over the years"},{"speaker":"Alan Smith","startTime":3071.23,"endTime":3075.22,"body":"and now you know, those kind of"},{"speaker":"Alan Smith","startTime":3075.22,"endTime":3077.65,"body":"middle England people In a nice"},{"speaker":"Alan Smith","startTime":3075.22,"endTime":3077.65,"body":"postcodes up and down the"},{"speaker":"Alan Smith","startTime":3077.65,"endTime":3081.13,"body":"country have painted so many"},{"speaker":"Alan Smith","startTime":3077.65,"endTime":3081.13,"body":"rubber chicken lunches that"},{"speaker":"Alan Smith","startTime":3081.13,"endTime":3083.5299999999997,"body":"they've probably had enough and"},{"speaker":"Alan Smith","startTime":3081.13,"endTime":3083.5299999999997,"body":"they've been sort of, you know,"},{"speaker":"Alan Smith","startTime":3083.5299999999997,"endTime":3087.04,"body":"the probably engaged with the"},{"speaker":"Alan Smith","startTime":3083.5299999999997,"endTime":3087.04,"body":"financial advisor, the you know,"},{"speaker":"Alan Smith","startTime":3087.04,"endTime":3089.1099999999997,"body":"the majority of people who"},{"speaker":"Alan Smith","startTime":3087.04,"endTime":3089.1099999999997,"body":"whoever got to do it probably"},{"speaker":"Alan Smith","startTime":3089.1099999999997,"endTime":3091.99,"body":"have by now. So there's a"},{"speaker":"Alan Smith","startTime":3089.1099999999997,"endTime":3091.99,"body":"definite move and it's still"},{"speaker":"Alan Smith","startTime":3091.99,"endTime":3095.2599999999998,"body":"expensive though to you know, in"},{"speaker":"Alan Smith","startTime":3091.99,"endTime":3095.2599999999998,"body":"person physical events are still"},{"speaker":"Alan Smith","startTime":3095.2599999999998,"endTime":3097.7799999999997,"body":"pretty expensive to, you know,"},{"speaker":"Alan Smith","startTime":3095.2599999999998,"endTime":3097.7799999999997,"body":"delay on to rent or, you know,"},{"speaker":"Alan Smith","startTime":3097.8399999999997,"endTime":3102.16,"body":"rent a nice place to lay on food"},{"speaker":"Alan Smith","startTime":3097.8399999999997,"endTime":3102.16,"body":"drinks, all the follow up. So I"},{"speaker":"Alan Smith","startTime":3102.16,"endTime":3105.16,"body":"gather that is moving"},{"speaker":"Alan Smith","startTime":3102.16,"endTime":3105.16,"body":"increasingly to a digital"},{"speaker":"Alan Smith","startTime":3105.22,"endTime":3107.5299999999997,"body":"outcome, which is, of course,"},{"speaker":"Alan Smith","startTime":3105.22,"endTime":3107.5299999999997,"body":"the costs are a fraction and you"},{"speaker":"Alan Smith","startTime":3107.5299999999997,"endTime":3110.65,"body":"still get quite a few people"},{"speaker":"Alan Smith","startTime":3107.5299999999997,"endTime":3110.65,"body":"showing up. So that's quite,"},{"speaker":"Alan Smith","startTime":3111.85,"endTime":3115.2999999999997,"body":"quite interesting. Yeah, I think"},{"speaker":"Alan Smith","startTime":3111.85,"endTime":3115.2999999999997,"body":"a lot of these things are"},{"speaker":"Alan Smith","startTime":3115.2999999999997,"endTime":3118.33,"body":"personal views. And I just"},{"speaker":"Alan Smith","startTime":3115.2999999999997,"endTime":3118.33,"body":"personally I'm not somebody that"},{"speaker":"Alan Smith","startTime":3118.63,"endTime":3122.41,"body":"attends live webinars very much"},{"speaker":"Alan Smith","startTime":3118.63,"endTime":3122.41,"body":"and and so then I think that no"},{"speaker":"Alan Smith","startTime":3122.41,"endTime":3126.73,"body":"one else does. Although I have"},{"speaker":"Alan Smith","startTime":3122.41,"endTime":3126.73,"body":"participated in I was in we"},{"speaker":"Alan Smith","startTime":3126.73,"endTime":3129.73,"body":"mentioned a couple of weeks ago,"},{"speaker":"Alan Smith","startTime":3126.73,"endTime":3129.73,"body":"I was in a live events with"},{"speaker":"Alan Smith","startTime":3130.18,"endTime":3133.18,"body":"Stuart down in Australia, and I"},{"speaker":"Alan Smith","startTime":3130.18,"endTime":3133.18,"body":"think it was 60 odd people, the"},{"speaker":"Alan Smith","startTime":3133.18,"endTime":3136.63,"body":"other advisors, I did one with"},{"speaker":"Alan Smith","startTime":3133.18,"endTime":3136.63,"body":"Lee Robertson of October last"},{"speaker":"Alan Smith","startTime":3136.63,"endTime":3140.62,"body":"year, there's 120, something"},{"speaker":"Alan Smith","startTime":3136.63,"endTime":3140.62,"body":"advisors live on that particular"},{"speaker":"Alan Smith","startTime":3140.62,"endTime":3143.8599999999997,"body":"time. So people so obviously, as"},{"speaker":"Alan Smith","startTime":3140.62,"endTime":3143.8599999999997,"body":"a medium webinar, like live"},{"speaker":"Alan Smith","startTime":3143.8599999999997,"endTime":3147.25,"body":"webinars, and again, the article"},{"speaker":"Alan Smith","startTime":3143.8599999999997,"endTime":3147.25,"body":"which I read briefly before that"},{"speaker":"Alan Smith","startTime":3147.25,"endTime":3152.29,"body":"you share it, Nick, Phil Bray"},{"speaker":"Alan Smith","startTime":3147.25,"endTime":3152.29,"body":"talks about is you definitely"},{"speaker":"Alan Smith","startTime":3152.29,"endTime":3155.3199999999997,"body":"going to do a webinar do not do"},{"speaker":"Alan Smith","startTime":3152.29,"endTime":3155.3199999999997,"body":"a pre recorded the temptation is"},{"speaker":"Alan Smith","startTime":3155.3199999999997,"endTime":3158.71,"body":"to do have to pre record it, and"},{"speaker":"Alan Smith","startTime":3155.3199999999997,"endTime":3158.71,"body":"then just publish it. But you"},{"speaker":"Alan Smith","startTime":3158.71,"endTime":3161.5,"body":"said that that's that's missing"},{"speaker":"Alan Smith","startTime":3158.71,"endTime":3161.5,"body":"the entire point, it needs to be"},{"speaker":"Alan Smith","startTime":3161.5,"endTime":3164.2599999999998,"body":"live. So you have people asking"},{"speaker":"Alan Smith","startTime":3161.5,"endTime":3164.2599999999998,"body":"questions live, and no one wants"},{"speaker":"Alan Smith","startTime":3164.2599999999998,"endTime":3169.2999999999997,"body":"to show up at a particular time"},{"speaker":"Alan Smith","startTime":3164.2599999999998,"endTime":3169.2999999999997,"body":"to watch a video which they"},{"speaker":"Alan Smith","startTime":3169.2999999999997,"endTime":3171.91,"body":"could have watched on YouTube,"},{"speaker":"Alan Smith","startTime":3169.2999999999997,"endTime":3171.91,"body":"and anytime that they want. So"},{"speaker":"Alan Smith","startTime":3172.3599999999997,"endTime":3179.5,"body":"some people will some people do?"},{"speaker":"Alan Smith","startTime":3172.3599999999997,"endTime":3179.5,"body":"Not particularly for me, I think"},{"speaker":"Alan Smith","startTime":3179.5,"endTime":3182.74,"body":"going back to a man's original"},{"speaker":"Alan Smith","startTime":3179.5,"endTime":3182.74,"body":"question, when he talks about he"},{"speaker":"Alan Smith","startTime":3182.74,"endTime":3185.5299999999997,"body":"just is looking for the kind of"},{"speaker":"Alan Smith","startTime":3182.74,"endTime":3185.5299999999997,"body":"cradle to grave with a soup to"},{"speaker":"Alan Smith","startTime":3185.5299999999997,"endTime":3188.83,"body":"nuts idea. How would you set up"},{"speaker":"Alan Smith","startTime":3185.5299999999997,"endTime":3188.83,"body":"a seminar for say, 50"},{"speaker":"Alan Smith","startTime":3188.83,"endTime":3191.65,"body":"accountants? The first question"},{"speaker":"Alan Smith","startTime":3188.83,"endTime":3191.65,"body":"I'd be asking is, what are you"},{"speaker":"Alan Smith","startTime":3191.65,"endTime":3193.0899999999997,"body":"trying to what are you hoping to"},{"speaker":"Alan Smith","startTime":3191.65,"endTime":3193.0899999999997,"body":"achieve?"},{"speaker":"Nick Lincoln","startTime":3193.39,"endTime":3195.19,"body":"Right? What's your"},{"speaker":"Nick Lincoln","startTime":3193.39,"endTime":3195.19,"body":"what and 50? is where you start?"},{"speaker":"Alan Smith","startTime":3195.7599999999998,"endTime":3198.0699999999997,"body":"What exactly that's"},{"speaker":"Alan Smith","startTime":3195.7599999999998,"endTime":3198.0699999999997,"body":"but what what are you hoping?"},{"speaker":"Alan Smith","startTime":3198.0699999999997,"endTime":3201.25,"body":"What is the actual desirable"},{"speaker":"Alan Smith","startTime":3198.0699999999997,"endTime":3201.25,"body":"outcome of doing this? Because"},{"speaker":"Alan Smith","startTime":3201.6099999999997,"endTime":3204.1,"body":"to my mind, when I see that I"},{"speaker":"Alan Smith","startTime":3201.6099999999997,"endTime":3204.1,"body":"just think God, that is just a"},{"speaker":"Alan Smith","startTime":3204.1,"endTime":3208.9,"body":"world of hurt in terms of work,"},{"speaker":"Alan Smith","startTime":3204.1,"endTime":3208.9,"body":"organization, reputational risk,"},{"speaker":"Alan Smith","startTime":3209.1099999999997,"endTime":3211.45,"body":"but getting it wrong, where"},{"speaker":"Alan Smith","startTime":3209.1099999999997,"endTime":3211.45,"body":"you're going to get the people."},{"speaker":"Alan Smith","startTime":3211.45,"endTime":3216.3399999999997,"body":"So what are you hoping to do"},{"speaker":"Alan Smith","startTime":3211.45,"endTime":3216.3399999999997,"body":"that you couldn't do? On a one"},{"speaker":"Alan Smith","startTime":3216.3399999999997,"endTime":3220.0299999999997,"body":"to one, just just kind of tying"},{"speaker":"Alan Smith","startTime":3216.3399999999997,"endTime":3220.0299999999997,"body":"a bow on this going back to"},{"speaker":"Alan Smith","startTime":3220.0299999999997,"endTime":3222.22,"body":"Karl's original point. And I"},{"speaker":"Alan Smith","startTime":3220.0299999999997,"endTime":3222.22,"body":"think Andy mentioned this as"},{"speaker":"Alan Smith","startTime":3222.22,"endTime":3225.8199999999997,"body":"well to some you, Amon"},{"speaker":"Alan Smith","startTime":3222.22,"endTime":3225.8199999999997,"body":"specifically mentioned"},{"speaker":"Alan Smith","startTime":3225.88,"endTime":3229.18,"body":"accountants, accountants being"},{"speaker":"Alan Smith","startTime":3225.88,"endTime":3229.18,"body":"professional advisors that a lot"},{"speaker":"Alan Smith","startTime":3229.18,"endTime":3234.58,"body":"of our clients also have, as"},{"speaker":"Alan Smith","startTime":3229.18,"endTime":3234.58,"body":"well as us. A classic thing is,"},{"speaker":"Alan Smith","startTime":3234.7,"endTime":3237.85,"body":"you know, question to everyone"},{"speaker":"Alan Smith","startTime":3234.7,"endTime":3237.85,"body":"listening to this, if the"},{"speaker":"Alan Smith","startTime":3238.33,"endTime":3241.75,"body":"practice practitioners, you're"},{"speaker":"Alan Smith","startTime":3238.33,"endTime":3241.75,"body":"practicing financial planners"},{"speaker":"Alan Smith","startTime":3241.75,"endTime":3245.74,"body":"right now, or they're working in"},{"speaker":"Alan Smith","startTime":3241.75,"endTime":3245.74,"body":"financial planning practices? Do"},{"speaker":"Alan Smith","startTime":3245.74,"endTime":3250.39,"body":"you have a list names, contact"},{"speaker":"Alan Smith","startTime":3245.74,"endTime":3250.39,"body":"details, email addresses all"},{"speaker":"Alan Smith","startTime":3250.39,"endTime":3253.3599999999997,"body":"sorts of points of clarification"},{"speaker":"Alan Smith","startTime":3250.39,"endTime":3253.3599999999997,"body":"of every single one of your"},{"speaker":"Alan Smith","startTime":3253.3599999999997,"endTime":3256.45,"body":"clients, accountants? Do you"},{"speaker":"Alan Smith","startTime":3253.3599999999997,"endTime":3256.45,"body":"have that on a database on the"},{"speaker":"Alan Smith","startTime":3256.45,"endTime":3259.5099999999998,"body":"schedule? And are you"},{"speaker":"Alan Smith","startTime":3256.45,"endTime":3259.5099999999998,"body":"communicating with them on a"},{"speaker":"Alan Smith","startTime":3259.5099999999998,"endTime":3262.72,"body":"regular basis, because I'd be"},{"speaker":"Alan Smith","startTime":3259.5099999999998,"endTime":3262.72,"body":"doing I would just setting up a"},{"speaker":"Alan Smith","startTime":3262.72,"endTime":3266.74,"body":"specific targeted newsletter of"},{"speaker":"Alan Smith","startTime":3262.72,"endTime":3266.74,"body":"some description, finding high"},{"speaker":"Alan Smith","startTime":3266.74,"endTime":3269.92,"body":"quality, relevant information"},{"speaker":"Alan Smith","startTime":3266.74,"endTime":3269.92,"body":"and just drip feeding that no"},{"speaker":"Alan Smith","startTime":3269.92,"endTime":3273.5499999999997,"body":"less than a monthly basis to all"},{"speaker":"Alan Smith","startTime":3269.92,"endTime":3273.5499999999997,"body":"the accountants have. And you'll"},{"speaker":"Alan Smith","startTime":3273.5499999999997,"endTime":3276.73,"body":"determine over time, if you"},{"speaker":"Alan Smith","startTime":3273.5499999999997,"endTime":3276.73,"body":"check your downloads, check,"},{"speaker":"Alan Smith","startTime":3276.7599999999998,"endTime":3279.79,"body":"check your open rates, check"},{"speaker":"Alan Smith","startTime":3276.7599999999998,"endTime":3279.79,"body":"your things, your click through"},{"speaker":"Alan Smith","startTime":3279.88,"endTime":3282.79,"body":"who's actually reading this"},{"speaker":"Alan Smith","startTime":3279.88,"endTime":3282.79,"body":"stuff, you will automatically"},{"speaker":"Alan Smith","startTime":3282.79,"endTime":3286.0,"body":"identify accountants who are"},{"speaker":"Alan Smith","startTime":3282.79,"endTime":3286.0,"body":"specifically interested in the"},{"speaker":"Alan Smith","startTime":3286.0,"endTime":3290.62,"body":"work you do. If you do like a"},{"speaker":"Alan Smith","startTime":3286.0,"endTime":3290.62,"body":"mass market, blood shotgun style"},{"speaker":"Alan Smith","startTime":3290.62,"endTime":3293.7999999999997,"body":"approach, I'm gonna invite 50"},{"speaker":"Alan Smith","startTime":3290.62,"endTime":3293.7999999999997,"body":"Random account has or 100 or 200"},{"speaker":"Alan Smith","startTime":3293.7999999999997,"endTime":3296.95,"body":"Random accounts, it's going to"},{"speaker":"Alan Smith","startTime":3293.7999999999997,"endTime":3296.95,"body":"be a mixed bag. And as call"},{"speaker":"Alan Smith","startTime":3297.0099999999998,"endTime":3299.5899999999997,"body":"experience, you might get a"},{"speaker":"Alan Smith","startTime":3297.0099999999998,"endTime":3299.5899999999997,"body":"bunch of them show up on a day"},{"speaker":"Alan Smith","startTime":3299.5899999999997,"endTime":3301.5099999999998,"body":"and they might not really be"},{"speaker":"Alan Smith","startTime":3299.5899999999997,"endTime":3301.5099999999998,"body":"engaged, you might think, you"},{"speaker":"Alan Smith","startTime":3301.5099999999998,"endTime":3305.02,"body":"know, get free CPD, or free"},{"speaker":"Alan Smith","startTime":3301.5099999999998,"endTime":3305.02,"body":"lunch or free breakfast or"},{"speaker":"Alan Smith","startTime":3305.02,"endTime":3308.29,"body":"something. So I'd be trying to"},{"speaker":"Alan Smith","startTime":3305.02,"endTime":3308.29,"body":"identify those that aren't, you"},{"speaker":"Alan Smith","startTime":3308.29,"endTime":3310.42,"body":"know, in any group of"},{"speaker":"Alan Smith","startTime":3308.29,"endTime":3310.42,"body":"accountants group of anything,"},{"speaker":"Alan Smith","startTime":3310.45,"endTime":3313.5099999999998,"body":"there'll be some who are"},{"speaker":"Alan Smith","startTime":3310.45,"endTime":3313.5099999999998,"body":"specifically interested. So I"},{"speaker":"Alan Smith","startTime":3313.5099999999998,"endTime":3315.79,"body":"think that's what I'll be doing."},{"speaker":"Alan Smith","startTime":3313.5099999999998,"endTime":3315.79,"body":"First of all, what is your"},{"speaker":"Alan Smith","startTime":3315.79,"endTime":3319.99,"body":"desirable outcome? And I presume"},{"speaker":"Alan Smith","startTime":3315.79,"endTime":3319.99,"body":"it's to open up professional"},{"speaker":"Alan Smith","startTime":3319.99,"endTime":3325.12,"body":"relationships with third party"},{"speaker":"Alan Smith","startTime":3319.99,"endTime":3325.12,"body":"professionals? Who can you can"},{"speaker":"Alan Smith","startTime":3325.12,"endTime":3329.68,"body":"mutually refer clients across?"},{"speaker":"Alan Smith","startTime":3325.12,"endTime":3329.68,"body":"So I think I mean, the simplest"},{"speaker":"Alan Smith","startTime":3329.68,"endTime":3332.41,"body":"way you're doing is having a"},{"speaker":"Alan Smith","startTime":3329.68,"endTime":3332.41,"body":"high quality communication"},{"speaker":"Alan Smith","startTime":3332.41,"endTime":3334.99,"body":"process. And maybe then once"},{"speaker":"Alan Smith","startTime":3332.41,"endTime":3334.99,"body":"you've identified those, and"},{"speaker":"Alan Smith","startTime":3334.99,"endTime":3337.39,"body":"you've been communicating with"},{"speaker":"Alan Smith","startTime":3334.99,"endTime":3337.39,"body":"them for six months or so, then"},{"speaker":"Alan Smith","startTime":3337.39,"endTime":3340.18,"body":"do a poll. If we organize a"},{"speaker":"Alan Smith","startTime":3337.39,"endTime":3340.18,"body":"webinar, would you be"},{"speaker":"Alan Smith","startTime":3340.18,"endTime":3341.95,"body":"interested? What are your key"},{"speaker":"Alan Smith","startTime":3340.18,"endTime":3341.95,"body":"subjects that you'd be"},{"speaker":"Alan Smith","startTime":3341.95,"endTime":3344.14,"body":"interested in? You know, what"},{"speaker":"Alan Smith","startTime":3341.95,"endTime":3344.14,"body":"sort of time of day would you"},{"speaker":"Alan Smith","startTime":3344.14,"endTime":3345.91,"body":"like? Would you like an in"},{"speaker":"Alan Smith","startTime":3344.14,"endTime":3345.91,"body":"person event? Would you like a"},{"speaker":"Alan Smith","startTime":3345.91,"endTime":3348.91,"body":"webinar? And you and you get you"},{"speaker":"Alan Smith","startTime":3345.91,"endTime":3348.91,"body":"the feedback before you actually"},{"speaker":"Alan Smith","startTime":3348.91,"endTime":3351.37,"body":"do it? You kind of sell them"},{"speaker":"Alan Smith","startTime":3348.91,"endTime":3351.37,"body":"sell the products before you"},{"speaker":"Alan Smith","startTime":3351.37,"endTime":3353.68,"body":"actually create it. I think that"},{"speaker":"Alan Smith","startTime":3351.37,"endTime":3353.68,"body":"would be one of the things I"},{"speaker":"Alan Smith","startTime":3353.68,"endTime":3354.1,"body":"would do."},{"speaker":"Nick Lincoln","startTime":3355.6,"endTime":3357.6099999999997,"body":"Okay, that's Yeah,"},{"speaker":"Nick Lincoln","startTime":3355.6,"endTime":3357.6099999999997,"body":"interesting. I think that the"},{"speaker":"Nick Lincoln","startTime":3357.6099999999997,"endTime":3360.6099999999997,"body":"webinar thing you can expand out"},{"speaker":"Nick Lincoln","startTime":3357.6099999999997,"endTime":3360.6099999999997,"body":"I know you and Phil Phil Barry"},{"speaker":"Nick Lincoln","startTime":3360.6099999999997,"endTime":3363.0699999999997,"body":"mentioned this in his in his"},{"speaker":"Nick Lincoln","startTime":3360.6099999999997,"endTime":3363.0699999999997,"body":"piece is that yeah, you're doing"},{"speaker":"Nick Lincoln","startTime":3363.0699999999997,"endTime":3365.95,"body":"a client webinar, I'd say it's"},{"speaker":"Nick Lincoln","startTime":3363.0699999999997,"endTime":3365.95,"body":"about just just looking at the"},{"speaker":"Nick Lincoln","startTime":3365.98,"endTime":3368.44,"body":"one font and looking under the"},{"speaker":"Nick Lincoln","startTime":3365.98,"endTime":3368.44,"body":"bonnet and getting a third party"},{"speaker":"Nick Lincoln","startTime":3368.44,"endTime":3370.54,"body":"in to talk about it because you"},{"speaker":"Nick Lincoln","startTime":3368.44,"endTime":3370.54,"body":"don't you can't just be you"},{"speaker":"Nick Lincoln","startTime":3370.54,"endTime":3373.0299999999997,"body":"talking in a webinar. You have"},{"speaker":"Nick Lincoln","startTime":3370.54,"endTime":3373.0299999999997,"body":"to have at least one other third"},{"speaker":"Nick Lincoln","startTime":3373.0299999999997,"endTime":3375.5499999999997,"body":"party, if only because it breaks"},{"speaker":"Nick Lincoln","startTime":3373.0299999999997,"endTime":3375.5499999999997,"body":"up the monotony of your voice."},{"speaker":"Nick Lincoln","startTime":3376.12,"endTime":3378.58,"body":"And so you get dimensional and"},{"speaker":"Nick Lincoln","startTime":3376.12,"endTime":3378.58,"body":"then later but and you put the"},{"speaker":"Nick Lincoln","startTime":3378.58,"endTime":3380.95,"body":"invite out your client bank that"},{"speaker":"Nick Lincoln","startTime":3378.58,"endTime":3380.95,"body":"you put it, he says, put it out"},{"speaker":"Nick Lincoln","startTime":3380.95,"endTime":3383.17,"body":"to everybody on your MailChimp"},{"speaker":"Nick Lincoln","startTime":3380.95,"endTime":3383.17,"body":"database. And I've got this"},{"speaker":"Nick Lincoln","startTime":3383.17,"endTime":3385.21,"body":"newsletter that goes out once a"},{"speaker":"Nick Lincoln","startTime":3383.17,"endTime":3385.21,"body":"quarter. And I've got a few 100"},{"speaker":"Nick Lincoln","startTime":3385.21,"endTime":3387.5499999999997,"body":"people on there who aren't"},{"speaker":"Nick Lincoln","startTime":3385.21,"endTime":3387.5499999999997,"body":"clients of mine. They're just"},{"speaker":"Nick Lincoln","startTime":3387.5499999999997,"endTime":3390.0099999999998,"body":"people who've subscribed to it"},{"speaker":"Nick Lincoln","startTime":3387.5499999999997,"endTime":3390.0099999999998,"body":"and their accountants have"},{"speaker":"Nick Lincoln","startTime":3390.0099999999998,"endTime":3392.74,"body":"clients just just put it out"},{"speaker":"Nick Lincoln","startTime":3390.0099999999998,"endTime":3392.74,"body":"there because the webinars that"},{"speaker":"Nick Lincoln","startTime":3392.74,"endTime":3394.5699999999997,"body":"you're actually going to talk"},{"speaker":"Nick Lincoln","startTime":3392.74,"endTime":3394.5699999999997,"body":"about the investment, but you're"},{"speaker":"Nick Lincoln","startTime":3394.5699999999997,"endTime":3396.8199999999997,"body":"going to tie it into the fact"},{"speaker":"Nick Lincoln","startTime":3394.5699999999997,"endTime":3396.8199999999997,"body":"that investment just drives to"},{"speaker":"Nick Lincoln","startTime":3396.8199999999997,"endTime":3399.19,"body":"financial planning and your"},{"speaker":"Nick Lincoln","startTime":3396.8199999999997,"endTime":3399.19,"body":"maybe just do a quick run"},{"speaker":"Nick Lincoln","startTime":3399.19,"endTime":3401.62,"body":"through the financial planning"},{"speaker":"Nick Lincoln","startTime":3399.19,"endTime":3401.62,"body":"software, just show a graph or"},{"speaker":"Nick Lincoln","startTime":3401.62,"endTime":3404.74,"body":"two on the on the webinar,"},{"speaker":"Nick Lincoln","startTime":3401.62,"endTime":3404.74,"body":"because some accountant might be"},{"speaker":"Nick Lincoln","startTime":3404.74,"endTime":3407.35,"body":"looking at thinking Blimey,"},{"speaker":"Nick Lincoln","startTime":3404.74,"endTime":3407.35,"body":"that's really good. I didn't"},{"speaker":"Nick Lincoln","startTime":3407.38,"endTime":3409.54,"body":"Yeah, this guy is not just"},{"speaker":"Nick Lincoln","startTime":3407.38,"endTime":3409.54,"body":"flogging pensions or what have"},{"speaker":"Nick Lincoln","startTime":3409.54,"endTime":3412.24,"body":"you. And the theme of the"},{"speaker":"Nick Lincoln","startTime":3409.54,"endTime":3412.24,"body":"webinar is you can put out a"},{"speaker":"Nick Lincoln","startTime":3412.24,"endTime":3415.15,"body":"million invites it cost you the"},{"speaker":"Nick Lincoln","startTime":3412.24,"endTime":3415.15,"body":"same if you put out two invites,"},{"speaker":"Nick Lincoln","startTime":3415.15,"endTime":3417.67,"body":"it doesn't matter, they all turn"},{"speaker":"Nick Lincoln","startTime":3415.15,"endTime":3417.67,"body":"up but they don't all turn up"},{"speaker":"Nick Lincoln","startTime":3417.67,"endTime":3420.25,"body":"the cost, you know, the cost is"},{"speaker":"Nick Lincoln","startTime":3417.67,"endTime":3420.25,"body":"going to be capped. Whereas with"},{"speaker":"Nick Lincoln","startTime":3420.25,"endTime":3422.71,"body":"the physical event, I've got the"},{"speaker":"Nick Lincoln","startTime":3420.25,"endTime":3422.71,"body":"grove hotel at the row, which is"},{"speaker":"Nick Lincoln","startTime":3422.71,"endTime":3426.79,"body":"lovely, right? It's a proper,"},{"speaker":"Nick Lincoln","startTime":3422.71,"endTime":3426.79,"body":"proper swanky place with a with"},{"speaker":"Nick Lincoln","startTime":3426.79,"endTime":3431.17,"body":"a golf course that has been on"},{"speaker":"Nick Lincoln","startTime":3426.79,"endTime":3431.17,"body":"the PGA Tour. I mean, so so a"},{"speaker":"Nick Lincoln","startTime":3431.17,"endTime":3434.0499999999997,"body":"bit crashed as well that will"},{"speaker":"Nick Lincoln","startTime":3431.17,"endTime":3434.0499999999997,"body":"cost to book you know, I mean, I"},{"speaker":"Nick Lincoln","startTime":3434.0499999999997,"endTime":3436.93,"body":"would just be, how would you get"},{"speaker":"Nick Lincoln","startTime":3434.0499999999997,"endTime":3436.93,"body":"the return back on that? I do"},{"speaker":"Nick Lincoln","startTime":3436.93,"endTime":3439.5699999999997,"body":"not know, and how do you measure"},{"speaker":"Nick Lincoln","startTime":3436.93,"endTime":3439.5699999999997,"body":"it? So I'm definitely on the"},{"speaker":"Nick Lincoln","startTime":3439.5699999999997,"endTime":3442.15,"body":"web. And I think Andy, you're"},{"speaker":"Nick Lincoln","startTime":3439.5699999999997,"endTime":3442.15,"body":"you had a digit we having a fit,"},{"speaker":"Nick Lincoln","startTime":3442.15,"endTime":3443.0499999999997,"body":"or was your digit rose?"},{"speaker":"Andy Hart","startTime":3443.2,"endTime":3444.85,"body":"Are you still banned"},{"speaker":"Andy Hart","startTime":3443.2,"endTime":3444.85,"body":"from the growth nook?"},{"speaker":"Nick Lincoln","startTime":3445.8399999999997,"endTime":3447.85,"body":"No, they've"},{"speaker":"Nick Lincoln","startTime":3445.8399999999997,"endTime":3447.85,"body":"they've given me as long as I"},{"speaker":"Nick Lincoln","startTime":3447.85,"endTime":3450.58,"body":"can't wear that dress. It's got"},{"speaker":"Nick Lincoln","startTime":3447.85,"endTime":3450.58,"body":"to be longer. They this Hamlet"},{"speaker":"Nick Lincoln","startTime":3450.58,"endTime":3453.3399999999997,"body":"is the hem length was the"},{"speaker":"Nick Lincoln","startTime":3450.58,"endTime":3453.3399999999997,"body":"profile. Thanks for the map."},{"speaker":"Nick Lincoln","startTime":3453.3399999999997,"endTime":3453.85,"body":"Yeah, the grove"},{"speaker":"Andy Hart","startTime":3453.85,"endTime":3458.74,"body":"is wonderful. I would"},{"speaker":"Andy Hart","startTime":3453.85,"endTime":3458.74,"body":"say to the Amon, don't think of"},{"speaker":"Andy Hart","startTime":3458.74,"endTime":3462.4,"body":"this event as a one off, that"},{"speaker":"Andy Hart","startTime":3458.74,"endTime":3462.4,"body":"will be disaster, like your"},{"speaker":"Andy Hart","startTime":3462.4,"endTime":3467.23,"body":"first event will be probably"},{"speaker":"Andy Hart","startTime":3462.4,"endTime":3467.23,"body":"terrible. So you've got to think"},{"speaker":"Andy Hart","startTime":3467.23,"endTime":3471.7599999999998,"body":"this is now your new way of"},{"speaker":"Andy Hart","startTime":3467.23,"endTime":3471.7599999999998,"body":"operating. So don't think of it"},{"speaker":"Andy Hart","startTime":3471.7599999999998,"endTime":3475.48,"body":"as a one and done. Your second"},{"speaker":"Andy Hart","startTime":3471.7599999999998,"endTime":3475.48,"body":"event will be will be way better"},{"speaker":"Andy Hart","startTime":3475.5099999999998,"endTime":3478.9,"body":"than your third will be better."},{"speaker":"Andy Hart","startTime":3475.5099999999998,"endTime":3478.9,"body":"So yeah, I would I would stick"},{"speaker":"Andy Hart","startTime":3478.9,"endTime":3481.5099999999998,"body":"to this rather than just"},{"speaker":"Andy Hart","startTime":3478.9,"endTime":3481.5099999999998,"body":"thinking this as a one off. So"},{"speaker":"Andy Hart","startTime":3481.5099999999998,"endTime":3484.15,"body":"maybe even your first event"},{"speaker":"Andy Hart","startTime":3481.5099999999998,"endTime":3484.15,"body":"maybe try and get 10 in a room"},{"speaker":"Andy Hart","startTime":3484.48,"endTime":3489.73,"body":"build up to 50. Yeah, so try and"},{"speaker":"Andy Hart","startTime":3484.48,"endTime":3489.73,"body":"embrace this as part of your new"},{"speaker":"Andy Hart","startTime":3489.73,"endTime":3491.68,"body":"marketing strategy rather than a"},{"speaker":"Andy Hart","startTime":3489.73,"endTime":3491.68,"body":"one off"},{"speaker":"Nick Lincoln","startTime":3492.19,"endTime":3495.4,"body":"50 Nicholas D is"},{"speaker":"Nick Lincoln","startTime":3492.19,"endTime":3495.4,"body":"50 is brave as well. And if it's"},{"speaker":"Nick Lincoln","startTime":3495.4,"endTime":3498.1,"body":"getting 50 clients in a room is"},{"speaker":"Nick Lincoln","startTime":3495.4,"endTime":3498.1,"body":"Brett 50 accountants. I mean, I"},{"speaker":"Nick Lincoln","startTime":3498.1,"endTime":3500.5,"body":"doubt there are 50 accountants"},{"speaker":"Nick Lincoln","startTime":3498.1,"endTime":3500.5,"body":"in Hartfordshire that you really"},{"speaker":"Nick Lincoln","startTime":3500.5,"endTime":3505.63,"body":"want to deal with. So I would"},{"speaker":"Nick Lincoln","startTime":3500.5,"endTime":3505.63,"body":"say Get 10 Get 10 Yeah, that's"},{"speaker":"Nick Lincoln","startTime":3505.63,"endTime":3508.5099999999998,"body":"gonna be a real work of luck,"},{"speaker":"Nick Lincoln","startTime":3505.63,"endTime":3508.5099999999998,"body":"guys. We've given Damon's"},{"speaker":"Nick Lincoln","startTime":3508.5099999999998,"endTime":3512.02,"body":"question a damn damn good"},{"speaker":"Nick Lincoln","startTime":3508.5099999999998,"endTime":3512.02,"body":"thrashing there. Are we are we"},{"speaker":"Nick Lincoln","startTime":3512.02,"endTime":3514.42,"body":"comfortable to move on to the"},{"speaker":"Nick Lincoln","startTime":3512.02,"endTime":3514.42,"body":"next segment the show because I"},{"speaker":"Nick Lincoln","startTime":3514.42,"endTime":3518.23,"body":"can see in my little nest camera"},{"speaker":"Nick Lincoln","startTime":3514.42,"endTime":3518.23,"body":"on my screen that post is"},{"speaker":"Nick Lincoln","startTime":3518.77,"endTime":3522.37,"body":"slogging up the dimension to the"},{"speaker":"Nick Lincoln","startTime":3518.77,"endTime":3522.37,"body":"drive to Lincoln to Lincoln"},{"speaker":"Nick Lincoln","startTime":3522.37,"endTime":3524.2599999999998,"body":"Lodge and she's she's got a"},{"speaker":"Nick Lincoln","startTime":3522.37,"endTime":3524.2599999999998,"body":"bulging sack of crackers"},{"speaker":"Nick Lincoln","startTime":3524.2599999999998,"endTime":3528.4,"body":"questions. So let's have a look"},{"speaker":"Nick Lincoln","startTime":3524.2599999999998,"endTime":3528.4,"body":"and answer two more from our"},{"speaker":"Nick Lincoln","startTime":3528.4,"endTime":3531.31,"body":"beloved Trappist. And who is"},{"speaker":"Nick Lincoln","startTime":3528.4,"endTime":3531.31,"body":"this first one from let me"},{"speaker":"Nick Lincoln","startTime":3531.31,"endTime":3536.17,"body":"quickly open this up. This one"},{"speaker":"Nick Lincoln","startTime":3531.31,"endTime":3536.17,"body":"is from Mr. Nick miles. He's not"},{"speaker":"Nick Lincoln","startTime":3536.17,"endTime":3539.41,"body":"on Twitter, but he's on"},{"speaker":"Nick Lincoln","startTime":3536.17,"endTime":3539.41,"body":"LinkedIn. Nick miles and he says"},{"speaker":"Nick Lincoln","startTime":3539.44,"endTime":3542.65,"body":"I've got consumer duty, just"},{"speaker":"Nick Lincoln","startTime":3539.44,"endTime":3542.65,"body":"been to a money marketing"},{"speaker":"Nick Lincoln","startTime":3542.65,"endTime":3544.66,"body":"interactive event. I'm sorry to"},{"speaker":"Nick Lincoln","startTime":3542.65,"endTime":3544.66,"body":"hear that. Nick. I hope you're"},{"speaker":"Nick Lincoln","startTime":3544.66,"endTime":3547.96,"body":"recovering and obsessional"},{"speaker":"Nick Lincoln","startTime":3544.66,"endTime":3547.96,"body":"consumer duty by simply biz."},{"speaker":"Nick Lincoln","startTime":3548.08,"endTime":3550.8399999999997,"body":"Having worked on this for some"},{"speaker":"Nick Lincoln","startTime":3548.08,"endTime":3550.8399999999997,"body":"time the simply Bruce presenter"},{"speaker":"Nick Lincoln","startTime":3550.8399999999997,"endTime":3554.44,"body":"said he has a refined consumer"},{"speaker":"Nick Lincoln","startTime":3550.8399999999997,"endTime":3554.44,"body":"duty proposition for member"},{"speaker":"Nick Lincoln","startTime":3554.44,"endTime":3557.5299999999997,"body":"firms for the implementation in"},{"speaker":"Nick Lincoln","startTime":3554.44,"endTime":3557.5299999999997,"body":"July. This question was"},{"speaker":"Nick Lincoln","startTime":3557.5299999999997,"endTime":3560.65,"body":"obviously posted a few months"},{"speaker":"Nick Lincoln","startTime":3557.5299999999997,"endTime":3560.65,"body":"ago. He that simply this guy is"},{"speaker":"Nick Lincoln","startTime":3560.65,"endTime":3565.0899999999997,"body":"on version 27 of their consumer"},{"speaker":"Nick Lincoln","startTime":3560.65,"endTime":3565.0899999999997,"body":"duty proposition 47 pages long"},{"speaker":"Nick Lincoln","startTime":3565.0899999999997,"endTime":3569.95,"body":"and 13,000 words in length. Is"},{"speaker":"Nick Lincoln","startTime":3565.0899999999997,"endTime":3569.95,"body":"this long enough. Do you think"},{"speaker":"Nick Lincoln","startTime":3569.98,"endTime":3572.41,"body":"joking for the tension of"},{"speaker":"Nick Lincoln","startTime":3569.98,"endTime":3572.41,"body":"lighning can a really great"},{"speaker":"Nick Lincoln","startTime":3572.41,"endTime":3576.49,"body":"podcast he has surged TRAPPIST"},{"speaker":"Nick Lincoln","startTime":3572.41,"endTime":3576.49,"body":"the last nine shows in reverse"},{"speaker":"Nick Lincoln","startTime":3576.52,"endTime":3580.69,"body":"order over four days and cannot"},{"speaker":"Nick Lincoln","startTime":3576.52,"endTime":3580.69,"body":"get the nd heart tune out of his"},{"speaker":"Nick Lincoln","startTime":3580.69,"endTime":3581.14,"body":"head."},{"speaker":"Unknown","startTime":3583.54,"endTime":3588.73,"body":"And the the ultra"},{"speaker":"Unknown","startTime":3583.54,"endTime":3588.73,"body":"grabber Darien Andy. He knows"},{"speaker":"Unknown","startTime":3588.73,"endTime":3594.31,"body":"about everything and he can't be"},{"speaker":"Unknown","startTime":3588.73,"endTime":3594.31,"body":"told anything. His name is"},{"speaker":"Unknown","startTime":3594.31,"endTime":3595.6,"body":"Andrew Hart."},{"speaker":"Nick Lincoln","startTime":3599.65,"endTime":3601.5699999999997,"body":"There you go,"},{"speaker":"Nick Lincoln","startTime":3599.65,"endTime":3601.5699999999997,"body":"Nick. There's like a one party"},{"speaker":"Nick Lincoln","startTime":3601.5699999999997,"endTime":3604.27,"body":"once again written in the back"},{"speaker":"Nick Lincoln","startTime":3601.5699999999997,"endTime":3604.27,"body":"of a taxi on the way to a"},{"speaker":"Nick Lincoln","startTime":3604.27,"endTime":3607.93,"body":"restaurant just outside of Cape"},{"speaker":"Nick Lincoln","startTime":3604.27,"endTime":3607.93,"body":"Town. Because humidity is kind"},{"speaker":"Nick Lincoln","startTime":3607.93,"endTime":3610.99,"body":"of it's embedded now. It's been"},{"speaker":"Nick Lincoln","startTime":3607.93,"endTime":3610.99,"body":"gone. I do think there's a lot"},{"speaker":"Nick Lincoln","startTime":3610.99,"endTime":3612.88,"body":"of grift around it. Like all of"},{"speaker":"Nick Lincoln","startTime":3610.99,"endTime":3612.88,"body":"these things you get the"},{"speaker":"Nick Lincoln","startTime":3612.88,"endTime":3616.72,"body":"Grifters coming out with their"},{"speaker":"Nick Lincoln","startTime":3612.88,"endTime":3616.72,"body":"13,000 words on consumer duty. I"},{"speaker":"Nick Lincoln","startTime":3616.72,"endTime":3619.15,"body":"can see if you're if you're a"},{"speaker":"Nick Lincoln","startTime":3616.72,"endTime":3619.15,"body":"brand or a fund manager, you"},{"speaker":"Nick Lincoln","startTime":3619.15,"endTime":3622.12,"body":"probably do need a 13,000 pound"},{"speaker":"Nick Lincoln","startTime":3619.15,"endTime":3622.12,"body":"consumer duty manual because I"},{"speaker":"Nick Lincoln","startTime":3622.12,"endTime":3625.6,"body":"think consumer duty hits you"},{"speaker":"Nick Lincoln","startTime":3622.12,"endTime":3625.6,"body":"straight in the nuts sack. If"},{"speaker":"Nick Lincoln","startTime":3625.6,"endTime":3628.27,"body":"you're if you're an IFA and a"},{"speaker":"Nick Lincoln","startTime":3625.6,"endTime":3628.27,"body":"well run IFA firm. I don't think"},{"speaker":"Nick Lincoln","startTime":3628.27,"endTime":3631.0299999999997,"body":"you need to be spending that"},{"speaker":"Nick Lincoln","startTime":3628.27,"endTime":3631.0299999999997,"body":"much time on it. He said once"},{"speaker":"Nick Lincoln","startTime":3631.0299999999997,"endTime":3634.3599999999997,"body":"again poking the bear and asking"},{"speaker":"Nick Lincoln","startTime":3631.0299999999997,"endTime":3634.3599999999997,"body":"for the FCA to give them another"},{"speaker":"Nick Lincoln","startTime":3634.5099999999998,"endTime":3637.96,"body":"visit. I'm happy to move on to"},{"speaker":"Nick Lincoln","startTime":3634.5099999999998,"endTime":3637.96,"body":"the next question if you are"},{"speaker":"Nick Lincoln","startTime":3637.99,"endTime":3640.5099999999998,"body":"generous unless you have"},{"speaker":"Nick Lincoln","startTime":3637.99,"endTime":3640.5099999999998,"body":"something to add. Okay, silence"},{"speaker":"Nick Lincoln","startTime":3640.54,"endTime":3645.04,"body":"is golden. The next question Who"},{"speaker":"Nick Lincoln","startTime":3640.54,"endTime":3645.04,"body":"is this from? This is from a guy"},{"speaker":"Nick Lincoln","startTime":3645.04,"endTime":3648.6099999999997,"body":"called Joel doesn't give us"},{"speaker":"Nick Lincoln","startTime":3645.04,"endTime":3648.6099999999997,"body":"doesn't give a surname. I"},{"speaker":"Nick Lincoln","startTime":3648.6099999999997,"endTime":3650.92,"body":"suppose that it could be any job"},{"speaker":"Nick Lincoln","startTime":3648.6099999999997,"endTime":3650.92,"body":"for another piano man could be a"},{"speaker":"Nick Lincoln","startTime":3650.92,"endTime":3659.0499999999997,"body":"Trappist. He's on Twitter as at"},{"speaker":"Nick Lincoln","startTime":3650.92,"endTime":3659.0499999999997,"body":"G EU Jews you ju 19850 God feel"},{"speaker":"Nick Lincoln","startTime":3659.0499999999997,"endTime":3661.12,"body":"free to paraphrase what I've"},{"speaker":"Nick Lincoln","startTime":3659.0499999999997,"endTime":3661.12,"body":"written the paraphrases are"},{"speaker":"Nick Lincoln","startTime":3661.12,"endTime":3663.46,"body":"written as I'm not professional."},{"speaker":"Nick Lincoln","startTime":3661.12,"endTime":3663.46,"body":"I am a teacher. We have a"},{"speaker":"Nick Lincoln","startTime":3663.46,"endTime":3667.39,"body":"teacher listener. I am a teacher"},{"speaker":"Nick Lincoln","startTime":3663.46,"endTime":3667.39,"body":"and I have a buy to let I have"},{"speaker":"Nick Lincoln","startTime":3667.39,"endTime":3671.41,"body":"an accountant that sorts out my"},{"speaker":"Nick Lincoln","startTime":3667.39,"endTime":3671.41,"body":"self assessment and manages the"},{"speaker":"Nick Lincoln","startTime":3671.89,"endTime":3673.7799999999997,"body":"estate agent manages the"},{"speaker":"Nick Lincoln","startTime":3671.89,"endTime":3673.7799999999997,"body":"property over the last seven"},{"speaker":"Nick Lincoln","startTime":3673.7799999999997,"endTime":3676.96,"body":"years with my various expenses I"},{"speaker":"Nick Lincoln","startTime":3673.7799999999997,"endTime":3676.96,"body":"paid little to note Tax. A"},{"speaker":"Nick Lincoln","startTime":3676.96,"endTime":3679.24,"body":"friend colleague is moving"},{"speaker":"Nick Lincoln","startTime":3676.96,"endTime":3679.24,"body":"schools and wants to rent his"},{"speaker":"Nick Lincoln","startTime":3679.24,"endTime":3682.0299999999997,"body":"current home out. As I think"},{"speaker":"Nick Lincoln","startTime":3679.24,"endTime":3682.0299999999997,"body":"you've got confused with an"},{"speaker":"Nick Lincoln","startTime":3682.0299999999997,"endTime":3684.3399999999997,"body":"accountancy podcast. Yeah, but"},{"speaker":"Nick Lincoln","startTime":3682.0299999999997,"endTime":3684.3399999999997,"body":"we'll crack on he wants to rent"},{"speaker":"Nick Lincoln","startTime":3684.3399999999997,"endTime":3686.68,"body":"his current home out as the new"},{"speaker":"Nick Lincoln","startTime":3684.3399999999997,"endTime":3686.68,"body":"school is going to provide"},{"speaker":"Nick Lincoln","startTime":3686.68,"endTime":3689.89,"body":"accommodation for him. He's"},{"speaker":"Nick Lincoln","startTime":3686.68,"endTime":3689.89,"body":"spoken to an IFA, who was a"},{"speaker":"Nick Lincoln","startTime":3689.89,"endTime":3692.5899999999997,"body":"friend of the family, who has"},{"speaker":"Nick Lincoln","startTime":3689.89,"endTime":3692.5899999999997,"body":"said he should set up a limited"},{"speaker":"Nick Lincoln","startTime":3692.5899999999997,"endTime":3697.24,"body":"company to get him tax benefits."},{"speaker":"Nick Lincoln","startTime":3692.5899999999997,"endTime":3697.24,"body":"I did ask him did the IFA ask"},{"speaker":"Nick Lincoln","startTime":3697.24,"endTime":3699.37,"body":"about his aims, goals and"},{"speaker":"Nick Lincoln","startTime":3697.24,"endTime":3699.37,"body":"aspirations? And he'd hoped he"},{"speaker":"Nick Lincoln","startTime":3699.37,"endTime":3702.97,"body":"would apparently not the if he"},{"speaker":"Nick Lincoln","startTime":3699.37,"endTime":3702.97,"body":"did not do this. I said, as a"},{"speaker":"Nick Lincoln","startTime":3702.97,"endTime":3705.88,"body":"lowly teacher, he should just do"},{"speaker":"Nick Lincoln","startTime":3702.97,"endTime":3705.88,"body":"what I did get an accountant and"},{"speaker":"Nick Lincoln","startTime":3705.91,"endTime":3708.1,"body":"you don't need the hassle of a"},{"speaker":"Nick Lincoln","startTime":3705.91,"endTime":3708.1,"body":"limited company for your"},{"speaker":"Nick Lincoln","startTime":3708.1,"endTime":3711.7599999999998,"body":"property, since his main tax"},{"speaker":"Nick Lincoln","startTime":3708.1,"endTime":3711.7599999999998,"body":"salary would be teaching. And if"},{"speaker":"Nick Lincoln","startTime":3711.7599999999998,"endTime":3714.16,"body":"he keeps good records near the"},{"speaker":"Nick Lincoln","startTime":3711.7599999999998,"endTime":3714.16,"body":"end of the tax year, if he's"},{"speaker":"Nick Lincoln","startTime":3714.16,"endTime":3716.98,"body":"guessed to high tax, he can put"},{"speaker":"Nick Lincoln","startTime":3714.16,"endTime":3716.98,"body":"those up as pension. So the"},{"speaker":"Nick Lincoln","startTime":3716.98,"endTime":3719.5,"body":"question he's asking is, if you"},{"speaker":"Nick Lincoln","startTime":3716.98,"endTime":3719.5,"body":"have a what if you have one"},{"speaker":"Nick Lincoln","startTime":3719.5,"endTime":3722.14,"body":"vital left property and maybe"},{"speaker":"Nick Lincoln","startTime":3719.5,"endTime":3722.14,"body":"even two, do you need to set up"},{"speaker":"Nick Lincoln","startTime":3722.14,"endTime":3726.4,"body":"a limited company to manage the"},{"speaker":"Nick Lincoln","startTime":3722.14,"endTime":3726.4,"body":"so this really isn't a counselor"},{"speaker":"Nick Lincoln","startTime":3726.4,"endTime":3730.06,"body":"question and just I'll go first"},{"speaker":"Nick Lincoln","startTime":3726.4,"endTime":3730.06,"body":"and you've got to chip in rule"},{"speaker":"Nick Lincoln","startTime":3730.06,"endTime":3732.49,"body":"of thumb seems to be if you've"},{"speaker":"Nick Lincoln","startTime":3730.06,"endTime":3732.49,"body":"got like five or six pipe let's"},{"speaker":"Nick Lincoln","startTime":3733.3599999999997,"endTime":3736.9,"body":"the tax situation tends to favor"},{"speaker":"Nick Lincoln","startTime":3733.3599999999997,"endTime":3736.9,"body":"having a limited company and"},{"speaker":"Nick Lincoln","startTime":3736.9,"endTime":3739.45,"body":"putting the properties within"},{"speaker":"Nick Lincoln","startTime":3736.9,"endTime":3739.45,"body":"that frame for various reason."},{"speaker":"Nick Lincoln","startTime":3739.45,"endTime":3742.24,"body":"I'm not going to go into the"},{"speaker":"Nick Lincoln","startTime":3739.45,"endTime":3742.24,"body":"corporation tax versus income"},{"speaker":"Nick Lincoln","startTime":3742.24,"endTime":3744.64,"body":"tax and everything else. But if"},{"speaker":"Nick Lincoln","startTime":3742.24,"endTime":3744.64,"body":"you've got one bite to lay, I"},{"speaker":"Nick Lincoln","startTime":3744.64,"endTime":3747.7,"body":"don't think you need to set up a"},{"speaker":"Nick Lincoln","startTime":3744.64,"endTime":3747.7,"body":"limited company to have to put"},{"speaker":"Nick Lincoln","startTime":3747.7,"endTime":3751.8399999999997,"body":"the bite let within guys, any"},{"speaker":"Nick Lincoln","startTime":3747.7,"endTime":3751.8399999999997,"body":"any views and you've you've kind"},{"speaker":"Nick Lincoln","startTime":3751.8399999999997,"endTime":3753.6099999999997,"body":"of dabbled in property to a"},{"speaker":"Nick Lincoln","startTime":3751.8399999999997,"endTime":3753.6099999999997,"body":"degree."},{"speaker":"Andy Hart","startTime":3754.24,"endTime":3756.7,"body":"Yeah, no, I agree. If"},{"speaker":"Andy Hart","startTime":3754.24,"endTime":3756.7,"body":"you just got one, it's massively"},{"speaker":"Andy Hart","startTime":3756.7,"endTime":3759.37,"body":"over complicating it, especially"},{"speaker":"Andy Hart","startTime":3756.7,"endTime":3759.37,"body":"if he isn't too financially"},{"speaker":"Andy Hart","startTime":3759.37,"endTime":3763.33,"body":"savvy. So yeah, probably against"},{"speaker":"Andy Hart","startTime":3759.37,"endTime":3763.33,"body":"his not advice, but proceed with"},{"speaker":"Andy Hart","startTime":3763.33,"endTime":3767.44,"body":"the way that the questioner was"},{"speaker":"Andy Hart","startTime":3763.33,"endTime":3767.44,"body":"recommending anyone else."},{"speaker":"Alan Smith","startTime":3767.47,"endTime":3770.68,"body":"It's a strange one."},{"speaker":"Alan Smith","startTime":3767.47,"endTime":3770.68,"body":"I'm just reading through the"},{"speaker":"Alan Smith","startTime":3770.68,"endTime":3773.92,"body":"question that he asked. He asked"},{"speaker":"Alan Smith","startTime":3770.68,"endTime":3773.92,"body":"a question right at the end,"},{"speaker":"Alan Smith","startTime":3774.2799999999997,"endTime":3778.54,"body":"talking about the setting up a"},{"speaker":"Alan Smith","startTime":3774.2799999999997,"endTime":3778.54,"body":"limited company or not? Was this"},{"speaker":"Alan Smith","startTime":3778.54,"endTime":3783.22,"body":"relatively sound thinking? Are"},{"speaker":"Alan Smith","startTime":3778.54,"endTime":3783.22,"body":"you what Joel has said? Or are"},{"speaker":"Alan Smith","startTime":3783.22,"endTime":3786.85,"body":"my suspicions that this IFA was"},{"speaker":"Alan Smith","startTime":3783.22,"endTime":3786.85,"body":"trying to get a quick buck"},{"speaker":"Alan Smith","startTime":3786.97,"endTime":3791.2,"body":"falsely hurled? I don't know"},{"speaker":"Alan Smith","startTime":3786.97,"endTime":3791.2,"body":"what quick buck the if he was"},{"speaker":"Alan Smith","startTime":3791.2,"endTime":3793.54,"body":"gonna get by suggesting setting"},{"speaker":"Alan Smith","startTime":3791.2,"endTime":3793.54,"body":"up a limited company, there's no"},{"speaker":"Alan Smith","startTime":3793.54,"endTime":3795.94,"body":"sort of quick win on that"},{"speaker":"Alan Smith","startTime":3793.54,"endTime":3795.94,"body":"particularly limit setting up a"},{"speaker":"Alan Smith","startTime":3796.0,"endTime":3798.16,"body":"limited company doesn't cost"},{"speaker":"Alan Smith","startTime":3796.0,"endTime":3798.16,"body":"very much to do and you can do"},{"speaker":"Alan Smith","startTime":3798.16,"endTime":3800.5,"body":"it yourself, or there's"},{"speaker":"Alan Smith","startTime":3798.16,"endTime":3800.5,"body":"generally the remit of an"},{"speaker":"Alan Smith","startTime":3800.5,"endTime":3803.41,"body":"accountant as opposed to an IFA,"},{"speaker":"Alan Smith","startTime":3800.5,"endTime":3803.41,"body":"you know, the big the bigger"},{"speaker":"Alan Smith","startTime":3803.41,"endTime":3805.5099999999998,"body":"question is, it's a strange one,"},{"speaker":"Alan Smith","startTime":3803.41,"endTime":3805.5099999999998,"body":"because the question is really"},{"speaker":"Alan Smith","startTime":3805.5099999999998,"endTime":3809.5,"body":"around a transactional issue."},{"speaker":"Alan Smith","startTime":3805.5099999999998,"endTime":3809.5,"body":"Sure. I've got this asset, how"},{"speaker":"Alan Smith","startTime":3809.5,"endTime":3813.04,"body":"should I own it? Now, the bigger"},{"speaker":"Alan Smith","startTime":3809.5,"endTime":3813.04,"body":"question is, why do you want to"},{"speaker":"Alan Smith","startTime":3813.04,"endTime":3815.77,"body":"own it? What in what what"},{"speaker":"Alan Smith","startTime":3813.04,"endTime":3815.77,"body":"context? Do you continue to own"},{"speaker":"Alan Smith","startTime":3815.77,"endTime":3817.9,"body":"it and all that, which is a"},{"speaker":"Alan Smith","startTime":3815.77,"endTime":3817.9,"body":"proper, you know, a real"},{"speaker":"Alan Smith","startTime":3817.9,"endTime":3820.15,"body":"lifestyle, financial planner"},{"speaker":"Alan Smith","startTime":3817.9,"endTime":3820.15,"body":"type question, but it's really,"},{"speaker":"Alan Smith","startTime":3820.15,"endTime":3825.31,"body":"it's just, I'm a teacher, I be"},{"speaker":"Alan Smith","startTime":3820.15,"endTime":3825.31,"body":"given a property to live in. And"},{"speaker":"Alan Smith","startTime":3825.31,"endTime":3827.3199999999997,"body":"I've got my house and should I"},{"speaker":"Alan Smith","startTime":3825.31,"endTime":3827.3199999999997,"body":"just rent it out? And what"},{"speaker":"Alan Smith","startTime":3827.3199999999997,"endTime":3829.45,"body":"should I do? So that's, that's"},{"speaker":"Alan Smith","startTime":3827.3199999999997,"endTime":3829.45,"body":"fine. So it's a transactional"},{"speaker":"Alan Smith","startTime":3829.45,"endTime":3834.3399999999997,"body":"question. And there's a far"},{"speaker":"Alan Smith","startTime":3829.45,"endTime":3834.3399999999997,"body":"bigger issue around the role of"},{"speaker":"Alan Smith","startTime":3834.3399999999997,"endTime":3839.83,"body":"an IFP if at all in this"},{"speaker":"Alan Smith","startTime":3834.3399999999997,"endTime":3839.83,"body":"particular issue or question. So"},{"speaker":"Alan Smith","startTime":3839.83,"endTime":3843.88,"body":"I try and keep it simple"},{"speaker":"Alan Smith","startTime":3839.83,"endTime":3843.88,"body":"basically. Keep it and exactly"},{"speaker":"Alan Smith","startTime":3843.88,"endTime":3847.21,"body":"right and that's the and I hear"},{"speaker":"Alan Smith","startTime":3843.88,"endTime":3847.21,"body":"this quite a lot and this whole"},{"speaker":"Alan Smith","startTime":3847.21,"endTime":3850.39,"body":"buy to let thing in from what I"},{"speaker":"Alan Smith","startTime":3847.21,"endTime":3850.39,"body":"can see it's just kind of"},{"speaker":"Alan Smith","startTime":3850.5699999999997,"endTime":3854.74,"body":"collapsing in the UK we've not"},{"speaker":"Alan Smith","startTime":3850.5699999999997,"endTime":3854.74,"body":"seen the start of it everyone I"},{"speaker":"Alan Smith","startTime":3854.74,"endTime":3858.0699999999997,"body":"know right? It's going to be an"},{"speaker":"Alan Smith","startTime":3854.74,"endTime":3858.0699999999997,"body":"absolute Shambles is gonna be"},{"speaker":"Alan Smith","startTime":3858.0699999999997,"endTime":3861.13,"body":"horrendous. Everyone I know that"},{"speaker":"Alan Smith","startTime":3858.0699999999997,"endTime":3861.13,"body":"owns by to that property, or the"},{"speaker":"Alan Smith","startTime":3861.13,"endTime":3867.19,"body":"majority people are just trying"},{"speaker":"Alan Smith","startTime":3861.13,"endTime":3867.19,"body":"to get get rid right now. And so"},{"speaker":"Alan Smith","startTime":3867.22,"endTime":3870.3399999999997,"body":"owning one come, which is"},{"speaker":"Alan Smith","startTime":3867.22,"endTime":3870.3399999999997,"body":"actually the whole other thing"},{"speaker":"Alan Smith","startTime":3870.3399999999997,"endTime":3872.44,"body":"with that is that was his"},{"speaker":"Alan Smith","startTime":3870.3399999999997,"endTime":3872.44,"body":"principal private residence by"},{"speaker":"Alan Smith","startTime":3872.44,"endTime":3875.71,"body":"the looks of things as well. So"},{"speaker":"Alan Smith","startTime":3872.44,"endTime":3875.71,"body":"he owned that as his where he"},{"speaker":"Alan Smith","startTime":3875.71,"endTime":3878.83,"body":"lived. So setting up the limited"},{"speaker":"Alan Smith","startTime":3875.71,"endTime":3878.83,"body":"company, no, don't bother"},{"speaker":"Alan Smith","startTime":3878.83,"endTime":3881.92,"body":"wasting time. But I think that"},{"speaker":"Alan Smith","startTime":3878.83,"endTime":3881.92,"body":"is a big there's a bigger"},{"speaker":"Alan Smith","startTime":3881.92,"endTime":3884.71,"body":"question there about the role of"},{"speaker":"Alan Smith","startTime":3881.92,"endTime":3884.71,"body":"advisor and the role of an"},{"speaker":"Alan Smith","startTime":3884.71,"endTime":3885.31,"body":"accountant,"},{"speaker":"Nick Lincoln","startTime":3885.5499999999997,"endTime":3887.5,"body":"Carl, while you"},{"speaker":"Nick Lincoln","startTime":3885.5499999999997,"endTime":3887.5,"body":"chuckling Come on, it's the"},{"speaker":"Nick Lincoln","startTime":3887.5,"endTime":3887.77,"body":"Chuckle"},{"speaker":"Carl Widger","startTime":3889.7799999999997,"endTime":3892.7799999999997,"body":"Alan is talking"},{"speaker":"Carl Widger","startTime":3889.7799999999997,"endTime":3892.7799999999997,"body":"away. They're kind of not really"},{"speaker":"Carl Widger","startTime":3892.7799999999997,"endTime":3895.15,"body":"answering the question then the"},{"speaker":"Carl Widger","startTime":3892.7799999999997,"endTime":3895.15,"body":"back in the background, Andy has"},{"speaker":"Carl Widger","startTime":3895.15,"endTime":3897.94,"body":"gone. This is horrendous. This"},{"speaker":"Carl Widger","startTime":3895.15,"endTime":3897.94,"body":"is going"},{"speaker":"Andy Hart","startTime":3901.12,"endTime":3902.77,"body":"we've not seen it."},{"speaker":"Andy Hart","startTime":3901.12,"endTime":3902.77,"body":"It's just anyway,"},{"speaker":"Carl Widger","startTime":3903.31,"endTime":3908.44,"body":"my solution is that"},{"speaker":"Carl Widger","startTime":3903.31,"endTime":3908.44,"body":"we no good a very good advisor"},{"speaker":"Carl Widger","startTime":3908.44,"endTime":3912.0099999999998,"body":"called Amon, who is very well"},{"speaker":"Carl Widger","startTime":3908.44,"endTime":3912.0099999999998,"body":"connected to loads of"},{"speaker":"Carl Widger","startTime":3912.0099999999998,"endTime":3914.83,"body":"accountants. So I think we"},{"speaker":"Carl Widger","startTime":3912.0099999999998,"endTime":3914.83,"body":"should put Joel in touch with"},{"speaker":"Carl Widger","startTime":3914.8599999999997,"endTime":3917.8599999999997,"body":"Amon. There's a solution and"},{"speaker":"Carl Widger","startTime":3914.8599999999997,"endTime":3917.8599999999997,"body":"there's the answer to the"},{"speaker":"Carl Widger","startTime":3917.8599999999997,"endTime":3918.3399999999997,"body":"question."},{"speaker":"Andy Hart","startTime":3918.37,"endTime":3920.41,"body":"He can go into the"},{"speaker":"Andy Hart","startTime":3918.37,"endTime":3920.41,"body":"first seminar it can be one of"},{"speaker":"Andy Hart","startTime":3920.41,"endTime":3922.93,"body":"the 10 He just needs to find"},{"speaker":"Andy Hart","startTime":3920.41,"endTime":3922.93,"body":"nine now."},{"speaker":"Carl Widger","startTime":3923.02,"endTime":3926.2,"body":"No. Joel is a"},{"speaker":"Carl Widger","startTime":3923.02,"endTime":3926.2,"body":"teacher not an accountant so he"},{"speaker":"Carl Widger","startTime":3926.2,"endTime":3929.92,"body":"won't be wandering the tank and"},{"speaker":"Carl Widger","startTime":3926.2,"endTime":3929.92,"body":"broke the program or you're not"},{"speaker":"Carl Widger","startTime":3929.92,"endTime":3931.12,"body":"listening. Come on."},{"speaker":"Nick Lincoln","startTime":3931.39,"endTime":3933.6099999999997,"body":"Right good stuff"},{"speaker":"Nick Lincoln","startTime":3931.39,"endTime":3933.6099999999997,"body":"and dad and den TRAPPIST if"},{"speaker":"Nick Lincoln","startTime":3933.6099999999997,"endTime":3936.49,"body":"you've got a question as ever do"},{"speaker":"Nick Lincoln","startTime":3933.6099999999997,"endTime":3936.49,"body":"post it in the pinned tweet."},{"speaker":"Nick Lincoln","startTime":3936.64,"endTime":3938.7999999999997,"body":"There's a link in the pinned"},{"speaker":"Nick Lincoln","startTime":3936.64,"endTime":3938.7999999999997,"body":"tweet, we call tweets anymore."},{"speaker":"Nick Lincoln","startTime":3938.7999999999997,"endTime":3942.4,"body":"The pin decks at the top of our"},{"speaker":"Nick Lincoln","startTime":3938.7999999999997,"endTime":3942.4,"body":"x profile, you can submit your"},{"speaker":"Nick Lincoln","startTime":3942.4,"endTime":3944.44,"body":"questions there and we will get"},{"speaker":"Nick Lincoln","startTime":3942.4,"endTime":3944.44,"body":"around to answering them. We"},{"speaker":"Nick Lincoln","startTime":3944.44,"endTime":3947.68,"body":"still got about 15 in the hopper"},{"speaker":"Nick Lincoln","startTime":3944.44,"endTime":3947.68,"body":"to get through. So just bear"},{"speaker":"Nick Lincoln","startTime":3947.68,"endTime":3952.24,"body":"with us. Okay, we're now God"},{"speaker":"Nick Lincoln","startTime":3947.68,"endTime":3952.24,"body":"help us 64 minutes in let's move"},{"speaker":"Nick Lincoln","startTime":3952.24,"endTime":3960.25,"body":"on to culture corner. Okay, Mr."},{"speaker":"Nick Lincoln","startTime":3952.24,"endTime":3960.25,"body":"Hart, sleep. I watch God go."},{"speaker":"Andy Hart","startTime":3961.15,"endTime":3965.0499999999997,"body":"Yeah, this is sort of"},{"speaker":"Andy Hart","startTime":3961.15,"endTime":3965.0499999999997,"body":"like a tech culture corner. So"},{"speaker":"Andy Hart","startTime":3965.0499999999997,"endTime":3967.54,"body":"I've just become a lot more"},{"speaker":"Andy Hart","startTime":3965.0499999999997,"endTime":3967.54,"body":"intentional tracking my sleep."},{"speaker":"Andy Hart","startTime":3967.5699999999997,"endTime":3970.3599999999997,"body":"I've had an iWatch for years."},{"speaker":"Andy Hart","startTime":3967.5699999999997,"endTime":3970.3599999999997,"body":"But I haven't activated the"},{"speaker":"Andy Hart","startTime":3970.3599999999997,"endTime":3973.9,"body":"sleep app. I think Alan's done"},{"speaker":"Andy Hart","startTime":3970.3599999999997,"endTime":3973.9,"body":"this. And he spoke to me about"},{"speaker":"Andy Hart","startTime":3973.9,"endTime":3974.1099999999997,"body":"it."},{"speaker":"Alan Smith","startTime":3974.3199999999997,"endTime":3976.96,"body":"So what's what's an"},{"speaker":"Alan Smith","startTime":3974.3199999999997,"endTime":3976.96,"body":"iWatch? Should you be an Apple"},{"speaker":"Alan Smith","startTime":3976.96,"endTime":3977.5299999999997,"body":"Watch?"},{"speaker":"Andy Hart","startTime":3977.98,"endTime":3980.5899999999997,"body":"Yeah, it's called an"},{"speaker":"Andy Hart","startTime":3977.98,"endTime":3980.5899999999997,"body":"iWatch. No, an Apple Watch. No,"},{"speaker":"Andy Hart","startTime":3980.83,"endTime":3986.41,"body":"it's not. Right. Watch. Okay, so"},{"speaker":"Andy Hart","startTime":3980.83,"endTime":3986.41,"body":"I've got an iWatch I've"},{"speaker":"Andy Hart","startTime":3986.41,"endTime":3992.02,"body":"activated the sleep app via the"},{"speaker":"Andy Hart","startTime":3986.41,"endTime":3992.02,"body":"health app on my watch. So now"},{"speaker":"Andy Hart","startTime":3992.02,"endTime":3994.12,"body":"sleep with it and I track my"},{"speaker":"Andy Hart","startTime":3992.02,"endTime":3994.12,"body":"sleep. I think it's bloody"},{"speaker":"Andy Hart","startTime":3994.12,"endTime":3998.41,"body":"brilliant. I basically got a"},{"speaker":"Andy Hart","startTime":3994.12,"endTime":3998.41,"body":"sleep coach now. Yeah, digital"},{"speaker":"Andy Hart","startTime":3998.41,"endTime":4002.8199999999997,"body":"sleep coach activated it I"},{"speaker":"Andy Hart","startTime":3998.41,"endTime":4002.8199999999997,"body":"recommend doing it it means you"},{"speaker":"Andy Hart","startTime":4002.8199999999997,"endTime":4004.7999999999997,"body":"change your behavior because you"},{"speaker":"Andy Hart","startTime":4002.8199999999997,"endTime":4004.7999999999997,"body":"got charged your watch we got to"},{"speaker":"Andy Hart","startTime":4004.7999999999997,"endTime":4007.41,"body":"bed and all that jazz but yeah,"},{"speaker":"Andy Hart","startTime":4004.7999999999997,"endTime":4007.41,"body":"it's all good. You've been"},{"speaker":"Andy Hart","startTime":4007.41,"endTime":4009.87,"body":"tracking your sleep having the"},{"speaker":"Andy Hart","startTime":4007.41,"endTime":4009.87,"body":"island by the way. I have"},{"speaker":"Alan Smith","startTime":4009.87,"endTime":4012.3599999999997,"body":"fought for years."},{"speaker":"Alan Smith","startTime":4009.87,"endTime":4012.3599999999997,"body":"Yeah, but I've got an app I just"},{"speaker":"Alan Smith","startTime":4012.3599999999997,"endTime":4013.29,"body":"trying to look it up"},{"speaker":"Unknown","startTime":4014.1,"endTime":4015.24,"body":"a separate episode to"},{"speaker":"Unknown","startTime":4014.1,"endTime":4015.24,"body":"it."},{"speaker":"Nick Lincoln","startTime":4016.56,"endTime":4019.35,"body":"Okay, so you're"},{"speaker":"Nick Lincoln","startTime":4016.56,"endTime":4019.35,"body":"tracking your sleep. So what was"},{"speaker":"Nick Lincoln","startTime":4019.35,"endTime":4019.62,"body":"good"},{"speaker":"Alan Smith","startTime":4019.65,"endTime":4021.81,"body":"was good useful you?"},{"speaker":"Alan Smith","startTime":4019.65,"endTime":4021.81,"body":"Yeah, you check out Yeah, I"},{"speaker":"Alan Smith","startTime":4021.81,"endTime":4026.0099999999998,"body":"mean, it has a bit single"},{"speaker":"Alan Smith","startTime":4021.81,"endTime":4026.0099999999998,"body":"biggest impact on how you how"},{"speaker":"Alan Smith","startTime":4026.0099999999998,"endTime":4026.85,"body":"you operate through your"},{"speaker":"Andy Hart","startTime":4027.39,"endTime":4029.43,"body":"life. Yeah. And"},{"speaker":"Andy Hart","startTime":4027.39,"endTime":4029.43,"body":"obviously if you go to bed with"},{"speaker":"Andy Hart","startTime":4029.43,"endTime":4031.83,"body":"lots of stuff in your mind that"},{"speaker":"Andy Hart","startTime":4029.43,"endTime":4031.83,"body":"will come out and you sleep I've"},{"speaker":"Andy Hart","startTime":4031.83,"endTime":4035.04,"body":"got this Oh, etc. It's,"},{"speaker":"Alan Smith","startTime":4035.0699999999997,"endTime":4036.75,"body":"I've tried, I've"},{"speaker":"Alan Smith","startTime":4035.0699999999997,"endTime":4036.75,"body":"tried, I've tried loads of them."},{"speaker":"Alan Smith","startTime":4036.96,"endTime":4040.44,"body":"Sleep Cycle is the app and it is"},{"speaker":"Alan Smith","startTime":4036.96,"endTime":4040.44,"body":"linked to your link to your"},{"speaker":"Alan Smith","startTime":4040.44,"endTime":4045.2999999999997,"body":"watch and all that stuff. And it"},{"speaker":"Alan Smith","startTime":4040.44,"endTime":4045.2999999999997,"body":"becomes a bit of an obsession"},{"speaker":"Alan Smith","startTime":4045.2999999999997,"endTime":4047.1,"body":"because you wake up in the"},{"speaker":"Alan Smith","startTime":4045.2999999999997,"endTime":4047.1,"body":"morning. First thing I do in the"},{"speaker":"Alan Smith","startTime":4047.1,"endTime":4050.94,"body":"morning is check how good to"},{"speaker":"Alan Smith","startTime":4047.1,"endTime":4050.94,"body":"see. And then you get nervous"},{"speaker":"Alan Smith","startTime":4050.94,"endTime":4053.0099999999998,"body":"about how if you didn't have a"},{"speaker":"Alan Smith","startTime":4050.94,"endTime":4053.0099999999998,"body":"good sleep, or share I'm gonna"},{"speaker":"Alan Smith","startTime":4053.0099999999998,"endTime":4055.98,"body":"have a bad day there so that"},{"speaker":"Alan Smith","startTime":4053.0099999999998,"endTime":4055.98,"body":"that creates sleep anxiety, then"},{"speaker":"Alan Smith","startTime":4055.98,"endTime":4056.85,"body":"you don't sleep properly. And"},{"speaker":"Andy Hart","startTime":4058.5,"endTime":4060.5699999999997,"body":"if you if you have an"},{"speaker":"Andy Hart","startTime":4058.5,"endTime":4060.5699999999997,"body":"Apple Watch and I watch and"},{"speaker":"Andy Hart","startTime":4060.5699999999997,"endTime":4063.15,"body":"you've not yet done this, I"},{"speaker":"Andy Hart","startTime":4060.5699999999997,"endTime":4063.15,"body":"recommend doing it so you have"},{"speaker":"Andy Hart","startTime":4063.15,"endTime":4065.1,"body":"to go out of your way it's a"},{"speaker":"Andy Hart","startTime":4063.15,"endTime":4065.1,"body":"little bit of a setup but once"},{"speaker":"Andy Hart","startTime":4065.1,"endTime":4067.7999999999997,"body":"you've done it is basically"},{"speaker":"Andy Hart","startTime":4065.1,"endTime":4067.7999999999997,"body":"seamless. It's absolutely so you"},{"speaker":"Andy Hart","startTime":4067.7999999999997,"endTime":4070.62,"body":"sleep with the watch on the"},{"speaker":"Andy Hart","startTime":4067.7999999999997,"endTime":4070.62,"body":"watch on it so you're not doing"},{"speaker":"Andy Hart","startTime":4070.62,"endTime":4074.91,"body":"it on and it's an app that I"},{"speaker":"Andy Hart","startTime":4070.62,"endTime":4074.91,"body":"used to put on the my pillow now"},{"speaker":"Andy Hart","startTime":4074.91,"endTime":4078.06,"body":"this is all done seamlessly via"},{"speaker":"Andy Hart","startTime":4074.91,"endTime":4078.06,"body":"the watch. It's that it's"},{"speaker":"Andy Hart","startTime":4078.06,"endTime":4081.54,"body":"working brilliant. So if you"},{"speaker":"Andy Hart","startTime":4078.06,"endTime":4081.54,"body":"haven't done it, do it and I"},{"speaker":"Andy Hart","startTime":4081.54,"endTime":4081.72,"body":"know"},{"speaker":"Nick Lincoln","startTime":4083.25,"endTime":4084.5699999999997,"body":"having a good"},{"speaker":"Nick Lincoln","startTime":4083.25,"endTime":4084.5699999999997,"body":"night's sleep because you feel"},{"speaker":"Nick Lincoln","startTime":4084.5699999999997,"endTime":4084.93,"body":"shit"},{"speaker":"Andy Hart","startTime":4084.99,"endTime":4086.67,"body":"it's just data you"},{"speaker":"Andy Hart","startTime":4084.99,"endTime":4086.67,"body":"want you"},{"speaker":"Alan Smith","startTime":4086.67,"endTime":4090.93,"body":"want the data to be"},{"speaker":"Alan Smith","startTime":4086.67,"endTime":4090.93,"body":"telling you Yeah, yeah. But but"},{"speaker":"Alan Smith","startTime":4090.93,"endTime":4093.48,"body":"it is interesting every time a"},{"speaker":"Alan Smith","startTime":4090.93,"endTime":4093.48,"body":"split anytime that you boys if"},{"speaker":"Alan Smith","startTime":4093.48,"endTime":4095.31,"body":"you if you consume any alcohol"},{"speaker":"Alan Smith","startTime":4093.48,"endTime":4095.31,"body":"this"},{"speaker":"Andy Hart","startTime":4096.45,"endTime":4100.32,"body":"is nuts. Yeah. So"},{"speaker":"Andy Hart","startTime":4096.45,"endTime":4100.32,"body":"that's a subtle person is"},{"speaker":"Andy Hart","startTime":4100.32,"endTime":4102.66,"body":"telling me to live a good life."},{"speaker":"Andy Hart","startTime":4100.32,"endTime":4102.66,"body":"So I go to bed and get good"},{"speaker":"Andy Hart","startTime":4102.66,"endTime":4106.74,"body":"sleep and wake up and confirm"},{"speaker":"Andy Hart","startTime":4102.66,"endTime":4106.74,"body":"that. Yeah, it's I find it"},{"speaker":"Andy Hart","startTime":4106.77,"endTime":4109.53,"body":"interesting. It's data. It's"},{"speaker":"Andy Hart","startTime":4106.77,"endTime":4109.53,"body":"health stuff, if you're"},{"speaker":"Andy Hart","startTime":4109.53,"endTime":4112.38,"body":"interested in it, that my two"},{"speaker":"Andy Hart","startTime":4109.53,"endTime":4112.38,"body":"packs."},{"speaker":"Nick Lincoln","startTime":4113.76,"endTime":4117.3,"body":"Okay, fine. Thank"},{"speaker":"Nick Lincoln","startTime":4113.76,"endTime":4117.3,"body":"you for that, Addy. So Kitsis"},{"speaker":"Nick Lincoln","startTime":4117.33,"endTime":4119.34,"body":"you know once in a once in a"},{"speaker":"Nick Lincoln","startTime":4117.33,"endTime":4119.34,"body":"blue moon Michael Kitsis"},{"speaker":"Nick Lincoln","startTime":4119.34,"endTime":4123.24,"body":"releases something of interest."},{"speaker":"Nick Lincoln","startTime":4119.34,"endTime":4123.24,"body":"And his episode 347 was the"},{"speaker":"Nick Lincoln","startTime":4123.24,"endTime":4128.9400000000005,"body":"story of a lady who sold her RIA"},{"speaker":"Nick Lincoln","startTime":4123.24,"endTime":4128.9400000000005,"body":"business RIA is broadly"},{"speaker":"Nick Lincoln","startTime":4128.9400000000005,"endTime":4131.28,"body":"equivalent of IFA in this"},{"speaker":"Nick Lincoln","startTime":4128.9400000000005,"endTime":4131.28,"body":"country, she sold her business"},{"speaker":"Nick Lincoln","startTime":4131.28,"endTime":4135.36,"body":"to United capital. And then"},{"speaker":"Nick Lincoln","startTime":4131.28,"endTime":4135.36,"body":"United capital sold on to"},{"speaker":"Nick Lincoln","startTime":4135.36,"endTime":4137.49,"body":"Goldman Sachs, which has all"},{"speaker":"Nick Lincoln","startTime":4135.36,"endTime":4137.49,"body":"been a bit of a shit show don't"},{"speaker":"Nick Lincoln","startTime":4137.49,"endTime":4141.51,"body":"really care to take them down"},{"speaker":"Nick Lincoln","startTime":4137.49,"endTime":4141.51,"body":"all the better. And this episode"},{"speaker":"Nick Lincoln","startTime":4141.51,"endTime":4143.9400000000005,"body":"is about her experiences. And"},{"speaker":"Nick Lincoln","startTime":4141.51,"endTime":4143.9400000000005,"body":"trust me not good. You know,"},{"speaker":"Nick Lincoln","startTime":4143.9400000000005,"endTime":4146.4000000000005,"body":"once once you sell to Goldman"},{"speaker":"Nick Lincoln","startTime":4143.9400000000005,"endTime":4146.4000000000005,"body":"Sachs, you're in the Goldman"},{"speaker":"Nick Lincoln","startTime":4146.4000000000005,"endTime":4149.22,"body":"Sachs, mincing machine she was"},{"speaker":"Nick Lincoln","startTime":4146.4000000000005,"endTime":4149.22,"body":"she was quite an advocate on"},{"speaker":"Nick Lincoln","startTime":4149.22,"endTime":4152.4000000000005,"body":"social media. She had a brand on"},{"speaker":"Nick Lincoln","startTime":4149.22,"endTime":4152.4000000000005,"body":"social media she was on on"},{"speaker":"Nick Lincoln","startTime":4152.4000000000005,"endTime":4155.97,"body":"American Finance TV shows on the"},{"speaker":"Nick Lincoln","startTime":4152.4000000000005,"endTime":4155.97,"body":"web a lot. And Goldman Sachs had"},{"speaker":"Nick Lincoln","startTime":4155.97,"endTime":4159.33,"body":"no stopping all that. So she's"},{"speaker":"Nick Lincoln","startTime":4155.97,"endTime":4159.33,"body":"trying to extricate herself now"},{"speaker":"Nick Lincoln","startTime":4159.33,"endTime":4161.49,"body":"from Goldman Sachs. It's quite"},{"speaker":"Nick Lincoln","startTime":4159.33,"endTime":4161.49,"body":"interesting how the United"},{"speaker":"Nick Lincoln","startTime":4161.49,"endTime":4165.54,"body":"capital sale has all unwound, as"},{"speaker":"Nick Lincoln","startTime":4161.49,"endTime":4165.54,"body":"they often do these massive"},{"speaker":"Nick Lincoln","startTime":4165.54,"endTime":4169.4400000000005,"body":"companies buy up raa firms by"},{"speaker":"Nick Lincoln","startTime":4165.54,"endTime":4169.4400000000005,"body":"IFA firms, and then back two"},{"speaker":"Nick Lincoln","startTime":4169.4400000000005,"endTime":4172.2,"body":"years later, it's just a"},{"speaker":"Nick Lincoln","startTime":4169.4400000000005,"endTime":4172.2,"body":"complete shit show. You know,"},{"speaker":"Nick Lincoln","startTime":4172.2,"endTime":4174.0599999999995,"body":"and I think what's happened in"},{"speaker":"Nick Lincoln","startTime":4172.2,"endTime":4174.0599999999995,"body":"the States with this is a lot of"},{"speaker":"Nick Lincoln","startTime":4174.0599999999995,"endTime":4176.16,"body":"advisors are leaving Goldman"},{"speaker":"Nick Lincoln","startTime":4174.0599999999995,"endTime":4176.16,"body":"Sachs and taking their clients"},{"speaker":"Nick Lincoln","startTime":4176.16,"endTime":4178.3499999999995,"body":"with them. There's been a"},{"speaker":"Nick Lincoln","startTime":4176.16,"endTime":4178.3499999999995,"body":"massive hemorrhaging of assets,"},{"speaker":"Nick Lincoln","startTime":4178.3499999999995,"endTime":4181.11,"body":"even though they've all signed"},{"speaker":"Nick Lincoln","startTime":4178.3499999999995,"endTime":4181.11,"body":"these non compete clauses and"},{"speaker":"Nick Lincoln","startTime":4181.11,"endTime":4183.8099999999995,"body":"what have you. It's an"},{"speaker":"Nick Lincoln","startTime":4181.11,"endTime":4183.8099999999995,"body":"interesting link back to what we"},{"speaker":"Nick Lincoln","startTime":4183.84,"endTime":4186.33,"body":"another put a link to in the"},{"speaker":"Nick Lincoln","startTime":4183.84,"endTime":4186.33,"body":"show notes. Also in the show"},{"speaker":"Nick Lincoln","startTime":4186.33,"endTime":4190.08,"body":"notes from episode three of"},{"speaker":"Nick Lincoln","startTime":4186.33,"endTime":4190.08,"body":"trap, where we discussed United"},{"speaker":"Nick Lincoln","startTime":4190.08,"endTime":4194.55,"body":"capital selling to Goldman Sachs"},{"speaker":"Nick Lincoln","startTime":4190.08,"endTime":4194.55,"body":"at that time, I think all of us"},{"speaker":"Nick Lincoln","startTime":4194.55,"endTime":4198.48,"body":"took a somewhat less enchanted"},{"speaker":"Nick Lincoln","startTime":4194.55,"endTime":4198.48,"body":"view of Joe Duran, who was the"},{"speaker":"Nick Lincoln","startTime":4198.48,"endTime":4201.36,"body":"CEO of United capital and all"},{"speaker":"Nick Lincoln","startTime":4198.48,"endTime":4201.36,"body":"about the clients clients."},{"speaker":"Nick Lincoln","startTime":4201.36,"endTime":4204.96,"body":"First, we're not the big Wall"},{"speaker":"Nick Lincoln","startTime":4201.36,"endTime":4204.96,"body":"Street enemy. And then he flogs"},{"speaker":"Nick Lincoln","startTime":4204.96,"endTime":4207.75,"body":"himself and his brand to Goldman"},{"speaker":"Nick Lincoln","startTime":4204.96,"endTime":4207.75,"body":"Sachs. And"},{"speaker":"Carl Widger","startTime":4208.289,"endTime":4211.3189999999995,"body":"interestingly, the"},{"speaker":"Carl Widger","startTime":4208.289,"endTime":4211.3189999999995,"body":"next part of that story, Nick,"},{"speaker":"Carl Widger","startTime":4211.3189999999995,"endTime":4218.519,"body":"is that Joe Duran is now"},{"speaker":"Carl Widger","startTime":4211.3189999999995,"endTime":4218.519,"body":"launching another Ria and the"},{"speaker":"Carl Widger","startTime":4218.519,"endTime":4223.499,"body":"fin twit community in the US"},{"speaker":"Carl Widger","startTime":4218.519,"endTime":4223.499,"body":"seem to be pandering once again."},{"speaker":"Carl Widger","startTime":4223.5289999999995,"endTime":4228.419,"body":"So that story is I was a fanboy."},{"speaker":"Carl Widger","startTime":4223.5289999999995,"endTime":4228.419,"body":"Not anymore."},{"speaker":"Nick Lincoln","startTime":4228.689,"endTime":4232.079,"body":"Let's add as this"},{"speaker":"Nick Lincoln","startTime":4228.689,"endTime":4232.079,"body":"I mean, just United capital what"},{"speaker":"Nick Lincoln","startTime":4232.079,"endTime":4234.689,"body":"he built up was a fantastic"},{"speaker":"Nick Lincoln","startTime":4232.079,"endTime":4234.689,"body":"business there's no doubt about"},{"speaker":"Nick Lincoln","startTime":4234.689,"endTime":4237.239,"body":"it and this lady who joined said"},{"speaker":"Nick Lincoln","startTime":4234.689,"endTime":4237.239,"body":"it was just the best place to be"},{"speaker":"Nick Lincoln","startTime":4237.239,"endTime":4241.199,"body":"it was a really really good fun"},{"speaker":"Nick Lincoln","startTime":4237.239,"endTime":4241.199,"body":"company. So that's you know,"},{"speaker":"Nick Lincoln","startTime":4241.199,"endTime":4243.659,"body":"that's his immense credit but"},{"speaker":"Nick Lincoln","startTime":4241.199,"endTime":4243.659,"body":"once you once you've once you to"},{"speaker":"Nick Lincoln","startTime":4243.659,"endTime":4246.749,"body":"sell yourself to Goldman Sachs"},{"speaker":"Nick Lincoln","startTime":4243.659,"endTime":4246.749,"body":"or Blackrock or one of these"},{"speaker":"Nick Lincoln","startTime":4247.439,"endTime":4250.5289999999995,"body":"institutions, good luck with"},{"speaker":"Nick Lincoln","startTime":4247.439,"endTime":4250.5289999999995,"body":"that. Okay, my next culture"},{"speaker":"Nick Lincoln","startTime":4250.5289999999995,"endTime":4252.7789999999995,"body":"corner just quick shout out into"},{"speaker":"Nick Lincoln","startTime":4250.5289999999995,"endTime":4252.7789999999995,"body":"commerce and the boys but Debbie"},{"speaker":"Nick Lincoln","startTime":4252.7789999999995,"endTime":4255.089,"body":"Condon runs a firm called"},{"speaker":"Nick Lincoln","startTime":4252.7789999999995,"endTime":4255.089,"body":"intuitive supports like"},{"speaker":"Nick Lincoln","startTime":4255.089,"endTime":4258.269,"body":"outsourced admin outsource"},{"speaker":"Nick Lincoln","startTime":4255.089,"endTime":4258.269,"body":"paraplanning she has a fantastic"},{"speaker":"Nick Lincoln","startTime":4258.269,"endTime":4262.379,"body":"guide, which he updates every"},{"speaker":"Nick Lincoln","startTime":4258.269,"endTime":4262.379,"body":"quarter or so on the providers"},{"speaker":"Nick Lincoln","startTime":4262.559,"endTime":4265.5289999999995,"body":"and how they handle letters of"},{"speaker":"Nick Lincoln","startTime":4262.559,"endTime":4265.5289999999995,"body":"authority. Okay, very mundane"},{"speaker":"Nick Lincoln","startTime":4265.5289999999995,"endTime":4267.329,"body":"down the weeds but it's a"},{"speaker":"Nick Lincoln","startTime":4265.5289999999995,"endTime":4267.329,"body":"brilliant thing. If you need to"},{"speaker":"Nick Lincoln","startTime":4267.329,"endTime":4269.729,"body":"know the Scottish widow take"},{"speaker":"Nick Lincoln","startTime":4267.329,"endTime":4269.729,"body":"DocuSign you look up this guide"},{"speaker":"Nick Lincoln","startTime":4269.759,"endTime":4271.709,"body":"they do and she gives you the"},{"speaker":"Nick Lincoln","startTime":4269.759,"endTime":4271.709,"body":"email address you send the"},{"speaker":"Nick Lincoln","startTime":4271.709,"endTime":4275.039,"body":"DocuSign to I put a link to in"},{"speaker":"Nick Lincoln","startTime":4271.709,"endTime":4275.039,"body":"the so called show notes. Thank"},{"speaker":"Nick Lincoln","startTime":4275.039,"endTime":4277.649,"body":"you Debbie for that for that."},{"speaker":"Nick Lincoln","startTime":4275.039,"endTime":4277.649,"body":"Yeah, just"},{"speaker":"Andy Hart","startTime":4277.65,"endTime":4279.45,"body":"to hammer that point"},{"speaker":"Andy Hart","startTime":4277.65,"endTime":4279.45,"body":"home, Nick, if you don't have"},{"speaker":"Andy Hart","startTime":4279.45,"endTime":4282.87,"body":"it, do download it. It is"},{"speaker":"Andy Hart","startTime":4279.45,"endTime":4282.87,"body":"absolutely brilliant. So yeah,"},{"speaker":"Andy Hart","startTime":4282.9,"endTime":4284.67,"body":"yeah, definitely, definitely"},{"speaker":"Andy Hart","startTime":4282.9,"endTime":4284.67,"body":"download that."},{"speaker":"Nick Lincoln","startTime":4285.39,"endTime":4289.2,"body":"Okay, Mr. Smith,"},{"speaker":"Nick Lincoln","startTime":4285.39,"endTime":4289.2,"body":"Rick Rubin, the creative act, a"},{"speaker":"Nick Lincoln","startTime":4289.2,"endTime":4289.89,"body":"way of being."},{"speaker":"Alan Smith","startTime":4291.5689999999995,"endTime":4294.149,"body":"Some of you be"},{"speaker":"Alan Smith","startTime":4291.5689999999995,"endTime":4294.149,"body":"familiar with Mr. Rick Rubin,"},{"speaker":"Alan Smith","startTime":4294.179,"endTime":4297.5689999999995,"body":"one of the most seminal music"},{"speaker":"Alan Smith","startTime":4294.179,"endTime":4297.5689999999995,"body":"producers of all time, really,"},{"speaker":"Alan Smith","startTime":4297.629,"endTime":4302.549,"body":"having produced everyone from"},{"speaker":"Alan Smith","startTime":4297.629,"endTime":4302.549,"body":"Beastie Boys, Eminem, through"},{"speaker":"Alan Smith","startTime":4302.579,"endTime":4306.539,"body":"Adele, Red Hot Chili Peppers,"},{"speaker":"Alan Smith","startTime":4302.579,"endTime":4306.539,"body":"Johnny Cash, you know, a really,"},{"speaker":"Alan Smith","startTime":4307.289,"endTime":4311.879,"body":"you know, thoughtful creator."},{"speaker":"Alan Smith","startTime":4307.289,"endTime":4311.879,"body":"And so he and for many, many"},{"speaker":"Alan Smith","startTime":4311.879,"endTime":4314.999,"body":"years, you know, he's never"},{"speaker":"Alan Smith","startTime":4311.879,"endTime":4314.999,"body":"produced any of his own stuff."},{"speaker":"Alan Smith","startTime":4314.999,"endTime":4318.149,"body":"But he just recently, earlier"},{"speaker":"Alan Smith","startTime":4314.999,"endTime":4318.149,"body":"this year wrote, as written the"},{"speaker":"Alan Smith","startTime":4318.149,"endTime":4322.349,"body":"book, the book is called the"},{"speaker":"Alan Smith","startTime":4318.149,"endTime":4322.349,"body":"creative act, a way of being,"},{"speaker":"Alan Smith","startTime":4322.499,"endTime":4325.739,"body":"and it's, it's, I think, it's a"},{"speaker":"Alan Smith","startTime":4322.499,"endTime":4325.739,"body":"great read, he just talks about"},{"speaker":"Alan Smith","startTime":4325.739,"endTime":4329.879,"body":"the, the, you know, the very art"},{"speaker":"Alan Smith","startTime":4325.739,"endTime":4329.879,"body":"that the concept of creating the"},{"speaker":"Alan Smith","startTime":4329.879,"endTime":4333.5689999999995,"body":"content of creating art, and"},{"speaker":"Alan Smith","startTime":4329.879,"endTime":4333.5689999999995,"body":"he's making the point, that it's"},{"speaker":"Alan Smith","startTime":4333.5689999999995,"endTime":4337.049,"body":"not about, you know, creating a"},{"speaker":"Alan Smith","startTime":4333.5689999999995,"endTime":4337.049,"body":"song or music or a painting, a"},{"speaker":"Alan Smith","startTime":4337.049,"endTime":4341.369,"body":"lot of stuff we do in the way I"},{"speaker":"Alan Smith","startTime":4337.049,"endTime":4341.369,"body":"read it. without stretching the"},{"speaker":"Alan Smith","startTime":4341.369,"endTime":4345.719,"body":"point too much. Creating a real"},{"speaker":"Alan Smith","startTime":4341.369,"endTime":4345.719,"body":"life, you know, financial plan"},{"speaker":"Alan Smith","startTime":4345.839,"endTime":4351.599,"body":"is a is art is a creative"},{"speaker":"Alan Smith","startTime":4345.839,"endTime":4351.599,"body":"process, which is, you create"},{"speaker":"Alan Smith","startTime":4351.599,"endTime":4354.389,"body":"something out of nothing, you"},{"speaker":"Alan Smith","startTime":4351.599,"endTime":4354.389,"body":"create something which exists"},{"speaker":"Alan Smith","startTime":4354.389,"endTime":4358.079,"body":"where previously it didn't exist"},{"speaker":"Alan Smith","startTime":4354.389,"endTime":4358.079,"body":"at all. And it just the way it's"},{"speaker":"Alan Smith","startTime":4358.079,"endTime":4361.619,"body":"a really poetic kind of is quite"},{"speaker":"Alan Smith","startTime":4358.079,"endTime":4361.619,"body":"deep, quite soulful. And I"},{"speaker":"Alan Smith","startTime":4361.619,"endTime":4363.929,"body":"really, I would spend most of"},{"speaker":"Alan Smith","startTime":4361.619,"endTime":4363.929,"body":"the weekend reading through and"},{"speaker":"Alan Smith","startTime":4363.929,"endTime":4368.2789999999995,"body":"it's well worth checking out."},{"speaker":"Alan Smith","startTime":4363.929,"endTime":4368.2789999999995,"body":"All of us are artists of some"},{"speaker":"Alan Smith","startTime":4368.2789999999995,"endTime":4371.939,"body":"sort. And it's a useful reminder"},{"speaker":"Alan Smith","startTime":4368.2789999999995,"endTime":4371.939,"body":"of just create your best work,"},{"speaker":"Alan Smith","startTime":4372.059,"endTime":4375.719,"body":"create your art in a way that"},{"speaker":"Alan Smith","startTime":4372.059,"endTime":4375.719,"body":"only, you know, the unique way"},{"speaker":"Alan Smith","startTime":4375.719,"endTime":4378.419,"body":"that you can bring it to the"},{"speaker":"Alan Smith","startTime":4375.719,"endTime":4378.419,"body":"world and be sort of be proud of"},{"speaker":"Alan Smith","startTime":4378.419,"endTime":4381.089,"body":"it and take your inspiration"},{"speaker":"Alan Smith","startTime":4378.419,"endTime":4381.089,"body":"from so many other places. I"},{"speaker":"Alan Smith","startTime":4381.089,"endTime":4386.0689999999995,"body":"really enjoyed reading the book."},{"speaker":"Alan Smith","startTime":4381.089,"endTime":4386.0689999999995,"body":"And I'm going to chuck in it"},{"speaker":"Alan Smith","startTime":4386.099,"endTime":4389.099,"body":"into my culture corner,"},{"speaker":"Alan Smith","startTime":4386.099,"endTime":4389.099,"body":"something else which is a bit"},{"speaker":"Alan Smith","startTime":4389.099,"endTime":4392.399,"body":"more direct, a bit less kind of"},{"speaker":"Alan Smith","startTime":4389.099,"endTime":4392.399,"body":"ephemeral and kind of out there"},{"speaker":"Alan Smith","startTime":4392.399,"endTime":4397.679,"body":"and arty but is our old friend,"},{"speaker":"Alan Smith","startTime":4392.399,"endTime":4397.679,"body":"Mr. Nick Murray, and his book"},{"speaker":"Alan Smith","startTime":4397.679,"endTime":4405.629,"body":"called The craft of advice"},{"speaker":"Alan Smith","startTime":4397.679,"endTime":4405.629,"body":"essays 1995 to 1998. Now this is"},{"speaker":"Alan Smith","startTime":4405.629,"endTime":4408.269,"body":"an interesting one, because Nick"},{"speaker":"Alan Smith","startTime":4405.629,"endTime":4408.269,"body":"buries Nick Nick Murray's books"},{"speaker":"Alan Smith","startTime":4408.299,"endTime":4412.049,"body":"are notoriously difficult to get"},{"speaker":"Alan Smith","startTime":4408.299,"endTime":4412.049,"body":"ahold of. In our group a couple"},{"speaker":"Alan Smith","startTime":4412.049,"endTime":4416.249,"body":"of weeks ago, Mr. Hart posted"},{"speaker":"Alan Smith","startTime":4412.049,"endTime":4416.249,"body":"something about this boot."},{"speaker":"Alan Smith","startTime":4416.249,"endTime":4419.399,"body":"Dynjandi you said this craft of"},{"speaker":"Alan Smith","startTime":4416.249,"endTime":4419.399,"body":"advice essays like yeah, you've"},{"speaker":"Alan Smith","startTime":4419.399,"endTime":4422.459,"body":"got it there. So immediately,"},{"speaker":"Alan Smith","startTime":4419.399,"endTime":4422.459,"body":"you posted that I thought I've"},{"speaker":"Alan Smith","startTime":4422.459,"endTime":4425.6089999999995,"body":"never heard of that before. Go"},{"speaker":"Alan Smith","startTime":4422.459,"endTime":4425.6089999999995,"body":"online. And it's really it's"},{"speaker":"Alan Smith","startTime":4425.6089999999995,"endTime":4428.579,"body":"real hit and miss. It's"},{"speaker":"Alan Smith","startTime":4425.6089999999995,"endTime":4428.579,"body":"available. It was available on"},{"speaker":"Alan Smith","startTime":4428.579,"endTime":4432.869,"body":"Amazon. Right, it's available on"},{"speaker":"Alan Smith","startTime":4428.579,"endTime":4432.869,"body":"Amazon secondhand for about 20"},{"speaker":"Alan Smith","startTime":4432.869,"endTime":4436.979,"body":"quid so a bike came from the"},{"speaker":"Alan Smith","startTime":4432.869,"endTime":4436.979,"body":"United States so I buy it gets"},{"speaker":"Alan Smith","startTime":4436.979,"endTime":4439.649,"body":"delivered about a week later."},{"speaker":"Alan Smith","startTime":4436.979,"endTime":4439.649,"body":"And I mean, it's another sort of"},{"speaker":"Alan Smith","startTime":4439.649,"endTime":4441.809,"body":"side story because when you buy"},{"speaker":"Alan Smith","startTime":4439.649,"endTime":4441.809,"body":"the secondhand books, I've got"},{"speaker":"Alan Smith","startTime":4441.809,"endTime":4447.479,"body":"always got a backstory and there"},{"speaker":"Alan Smith","startTime":4441.809,"endTime":4447.479,"body":"was a bookmark in Princeton New"},{"speaker":"Alan Smith","startTime":4447.479,"endTime":4447.689,"body":"Jersey"},{"speaker":"Unknown","startTime":4449.189,"endTime":4454.049,"body":"grab yourself a drink a"},{"speaker":"Unknown","startTime":4449.189,"endTime":4454.049,"body":"very long drink. It's story"},{"speaker":"Unknown","startTime":4454.049,"endTime":4456.329,"body":"time. ALAN SMITH"},{"speaker":"Alan Smith","startTime":4458.91,"endTime":4462.0,"body":"know I love the fact"},{"speaker":"Alan Smith","startTime":4458.91,"endTime":4462.0,"body":"that buying secondhand books,"},{"speaker":"Alan Smith","startTime":4462.0,"endTime":4465.2699999999995,"body":"particularly Nick Murray books,"},{"speaker":"Alan Smith","startTime":4462.0,"endTime":4465.2699999999995,"body":"they themselves I've got a"},{"speaker":"Alan Smith","startTime":4465.2699999999995,"endTime":4469.86,"body":"story. So this one did have it"},{"speaker":"Alan Smith","startTime":4465.2699999999995,"endTime":4469.86,"body":"had a bookmark from it's called"},{"speaker":"Alan Smith","startTime":4469.86,"endTime":4474.96,"body":"macabre books. Sudden, Nassau"},{"speaker":"Alan Smith","startTime":4469.86,"endTime":4474.96,"body":"Street Princeton, New Jersey's"},{"speaker":"Alan Smith","startTime":4474.96,"endTime":4477.15,"body":"although I wonder who's been in"},{"speaker":"Alan Smith","startTime":4474.96,"endTime":4477.15,"body":"the past, I've had them with"},{"speaker":"Alan Smith","startTime":4477.15,"endTime":4479.67,"body":"highlighters and people got"},{"speaker":"Alan Smith","startTime":4477.15,"endTime":4479.67,"body":"scribbled notes, the points of"},{"speaker":"Alan Smith","startTime":4479.67,"endTime":4483.8099999999995,"body":"this being it's a great book,"},{"speaker":"Alan Smith","startTime":4479.67,"endTime":4483.8099999999995,"body":"it's a it's a they've captured"},{"speaker":"Alan Smith","startTime":4483.84,"endTime":4487.5599999999995,"body":"all he was writing I think"},{"speaker":"Alan Smith","startTime":4483.84,"endTime":4487.5599999999995,"body":"monthly essays for a publication"},{"speaker":"Alan Smith","startTime":4487.86,"endTime":4491.46,"body":"during like between 1995 to"},{"speaker":"Alan Smith","startTime":4487.86,"endTime":4491.46,"body":"1998. So obviously, these are"},{"speaker":"Alan Smith","startTime":4491.46,"endTime":4496.29,"body":"like 30 years old, some of these"},{"speaker":"Alan Smith","startTime":4491.46,"endTime":4496.29,"body":"essays, one of the early, the"},{"speaker":"Alan Smith","startTime":4496.29,"endTime":4501.24,"body":"early ones, he was predicting"},{"speaker":"Alan Smith","startTime":4496.29,"endTime":4501.24,"body":"the demise of commissions and"},{"speaker":"Alan Smith","startTime":4501.24,"endTime":4505.2,"body":"predicting the demise of so many"},{"speaker":"Alan Smith","startTime":4501.24,"endTime":4505.2,"body":"things. He was very accurate in"},{"speaker":"Alan Smith","startTime":4505.2,"endTime":4508.98,"body":"his predictions now 30 years"},{"speaker":"Alan Smith","startTime":4505.2,"endTime":4508.98,"body":"later, and lo whatever we say"},{"speaker":"Alan Smith","startTime":4508.98,"endTime":4512.61,"body":"and people got different views,"},{"speaker":"Alan Smith","startTime":4508.98,"endTime":4512.61,"body":"but the writing is sheer poetry."},{"speaker":"Alan Smith","startTime":4512.64,"endTime":4516.8099999999995,"body":"It's timeless. Just for fun I go"},{"speaker":"Alan Smith","startTime":4512.64,"endTime":4516.8099999999995,"body":"I went on again looked at see if"},{"speaker":"Alan Smith","startTime":4516.84,"endTime":4519.63,"body":"it was available again and it's"},{"speaker":"Alan Smith","startTime":4516.84,"endTime":4519.63,"body":"still available on Amazon second"},{"speaker":"Alan Smith","startTime":4519.63,"endTime":4523.38,"body":"habit now 60 quid someone else's"},{"speaker":"Alan Smith","startTime":4519.63,"endTime":4523.38,"body":"posted of 60 quid. So when you"},{"speaker":"Alan Smith","startTime":4523.38,"endTime":4525.51,"body":"come across every now and again"},{"speaker":"Alan Smith","startTime":4523.38,"endTime":4525.51,"body":"you get inspired to check out"},{"speaker":"Alan Smith","startTime":4525.54,"endTime":4528.0599999999995,"body":"Nick Murray booth. Just go"},{"speaker":"Alan Smith","startTime":4525.54,"endTime":4528.0599999999995,"body":"online look on Amazon look at"},{"speaker":"Alan Smith","startTime":4528.09,"endTime":4530.79,"body":"eBay and you might get lucky you"},{"speaker":"Alan Smith","startTime":4528.09,"endTime":4530.79,"body":"might find one there. And then"},{"speaker":"Alan Smith","startTime":4530.79,"endTime":4533.16,"body":"because there's no chance of you"},{"speaker":"Alan Smith","startTime":4530.79,"endTime":4533.16,"body":"getting that and the normal"},{"speaker":"Alan Smith","startTime":4533.16,"endTime":4536.19,"body":"circumstances, you know, get"},{"speaker":"Alan Smith","startTime":4533.16,"endTime":4536.19,"body":"speaking to Nick Murray"},{"speaker":"Alan Smith","startTime":4536.22,"endTime":4538.3499999999995,"body":"International, whatever his"},{"speaker":"Alan Smith","startTime":4536.22,"endTime":4538.3499999999995,"body":"company's called and trying to"},{"speaker":"Alan Smith","startTime":4538.3499999999995,"endTime":4543.0599999999995,"body":"get get them shipped through the"},{"speaker":"Alan Smith","startTime":4538.3499999999995,"endTime":4543.0599999999995,"body":"normal processes. No chance. And"},{"speaker":"Alan Smith","startTime":4543.0599999999995,"endTime":4546.18,"body":"then he email again, dear Nick,"},{"speaker":"Alan Smith","startTime":4543.0599999999995,"endTime":4546.18,"body":"how do I get access to your"},{"speaker":"Alan Smith","startTime":4546.18,"endTime":4549.93,"body":"book? You know, it's not. So"},{"speaker":"Alan Smith","startTime":4546.18,"endTime":4549.93,"body":"it's a fabulous read."},{"speaker":"Andy Hart","startTime":4550.019,"endTime":4552.809,"body":"It is a great book."},{"speaker":"Andy Hart","startTime":4550.019,"endTime":4552.809,"body":"It's a great read a good friend"},{"speaker":"Andy Hart","startTime":4552.809,"endTime":4556.619,"body":"of the show. Groeneveld in SA"},{"speaker":"Andy Hart","startTime":4552.809,"endTime":4556.619,"body":"bought, I think three or four"},{"speaker":"Andy Hart","startTime":4556.619,"endTime":4559.229,"body":"Nick Murray books and that one"},{"speaker":"Andy Hart","startTime":4556.619,"endTime":4559.229,"body":"arrived and it was signed by"},{"speaker":"Andy Hart","startTime":4559.229,"endTime":4562.469,"body":"Nick Murray. So again, somehow"},{"speaker":"Andy Hart","startTime":4559.229,"endTime":4562.469,"body":"signed by him originally what"},{"speaker":"Andy Hart","startTime":4562.469,"endTime":4562.619,"body":"I've"},{"speaker":"Nick Lincoln","startTime":4562.62,"endTime":4565.53,"body":"got what I've got"},{"speaker":"Nick Lincoln","startTime":4562.62,"endTime":4565.53,"body":"is signed by a Francois tremolo."},{"speaker":"Nick Lincoln","startTime":4565.53,"endTime":4568.3499999999995,"body":"I mean, there's a whole story"},{"speaker":"Nick Lincoln","startTime":4565.53,"endTime":4568.3499999999995,"body":"there's a cult thing."},{"speaker":"Andy Hart","startTime":4569.25,"endTime":4571.47,"body":"You need to sign it"},{"speaker":"Andy Hart","startTime":4569.25,"endTime":4571.47,"body":"when you sell it on Amazon."},{"speaker":"Nick Lincoln","startTime":4572.6089999999995,"endTime":4573.899,"body":"Lick lick Lincoln."},{"speaker":"Andy Hart","startTime":4575.16,"endTime":4578.01,"body":"Thanks so much."},{"speaker":"Andy Hart","startTime":4575.16,"endTime":4578.01,"body":"You're chapters so I just read"},{"speaker":"Andy Hart","startTime":4578.01,"endTime":4580.92,"body":"like one every lunchtime. It's"},{"speaker":"Andy Hart","startTime":4578.01,"endTime":4580.92,"body":"brilliant. I thought you're also"},{"speaker":"Andy Hart","startTime":4580.92,"endTime":4583.7699999999995,"body":"going to mention the podcast"},{"speaker":"Andy Hart","startTime":4580.92,"endTime":4583.7699999999995,"body":"that Rick Rubin and Rory"},{"speaker":"Andy Hart","startTime":4583.7699999999995,"endTime":4585.2699999999995,"body":"Sutherland are on. Well, I've"},{"speaker":"Nick Lincoln","startTime":4585.269,"endTime":4586.709,"body":"kind of done this"},{"speaker":"Nick Lincoln","startTime":4585.269,"endTime":4586.709,"body":"a bit that I have put out there"},{"speaker":"Nick Lincoln","startTime":4586.709,"endTime":4589.649,"body":"there is Rick Rubin has got this"},{"speaker":"Nick Lincoln","startTime":4586.709,"endTime":4589.649,"body":"podcast. I can't it's quite a"},{"speaker":"Nick Lincoln","startTime":4589.649,"endTime":4591.719,"body":"long name. I can't remember. But"},{"speaker":"Nick Lincoln","startTime":4589.649,"endTime":4591.719,"body":"the last episode was our"},{"speaker":"Nick Lincoln","startTime":4591.719,"endTime":4595.3189999999995,"body":"telephone le gammacore. Rory"},{"speaker":"Nick Lincoln","startTime":4591.719,"endTime":4595.3189999999995,"body":"Sutherland. It goes on for three"},{"speaker":"Nick Lincoln","startTime":4595.3189999999995,"endTime":4597.719,"body":"hours. You know, Rick opens up"},{"speaker":"Nick Lincoln","startTime":4595.3189999999995,"endTime":4597.719,"body":"with an open question. And then"},{"speaker":"Nick Lincoln","startTime":4597.719,"endTime":4599.909,"body":"with Aurora, you know, you just"},{"speaker":"Nick Lincoln","startTime":4597.719,"endTime":4599.909,"body":"post once you ask them open"},{"speaker":"Nick Lincoln","startTime":4599.909,"endTime":4602.099,"body":"question, you go away, you prep"},{"speaker":"Nick Lincoln","startTime":4599.909,"endTime":4602.099,"body":"a casserole, you cook the"},{"speaker":"Nick Lincoln","startTime":4602.099,"endTime":4604.409,"body":"casserole, you eat the"},{"speaker":"Nick Lincoln","startTime":4602.099,"endTime":4604.409,"body":"casserole, you have a brand"},{"speaker":"Nick Lincoln","startTime":4604.409,"endTime":4607.079,"body":"needs to go and you come back"},{"speaker":"Nick Lincoln","startTime":4604.409,"endTime":4607.079,"body":"and ask the second question. And"},{"speaker":"Nick Lincoln","startTime":4607.079,"endTime":4609.7789999999995,"body":"it's a bit like that, but it's"},{"speaker":"Nick Lincoln","startTime":4607.079,"endTime":4609.7789999999995,"body":"really, really good. Really"},{"speaker":"Nick Lincoln","startTime":4609.7789999999995,"endTime":4613.919,"body":"fast. And Rick Rubin what I"},{"speaker":"Nick Lincoln","startTime":4609.7789999999995,"endTime":4613.919,"body":"mean, crikey. He's talking on"},{"speaker":"Nick Lincoln","startTime":4613.919,"endTime":4616.289,"body":"the podcast. It talks about Run"},{"speaker":"Nick Lincoln","startTime":4613.919,"endTime":4616.289,"body":"DMC and walk this way. And"},{"speaker":"Nick Lincoln","startTime":4616.289,"endTime":4619.469,"body":"Aerosmith in 1986, I think it"},{"speaker":"Nick Lincoln","startTime":4616.289,"endTime":4619.469,"body":"was, you know, just as this"},{"speaker":"Nick Lincoln","startTime":4619.709,"endTime":4622.8589999999995,"body":"introduced hip hop to the rock"},{"speaker":"Nick Lincoln","startTime":4619.709,"endTime":4622.8589999999995,"body":"world, and it's just use the"},{"speaker":"Nick Lincoln","startTime":4622.8589999999995,"endTime":4625.5289999999995,"body":"rock world to hip hop and it"},{"speaker":"Nick Lincoln","startTime":4622.8589999999995,"endTime":4625.5289999999995,"body":"just that one track with some"},{"speaker":"Nick Lincoln","startTime":4625.5289999999995,"endTime":4628.619,"body":"editing. Rick Rubin is legendary"},{"speaker":"Nick Lincoln","startTime":4625.5289999999995,"endTime":4628.619,"body":"producer in that year, of"},{"speaker":"Nick Lincoln","startTime":4628.619,"endTime":4631.139,"body":"course, he did produce the best"},{"speaker":"Nick Lincoln","startTime":4628.619,"endTime":4631.139,"body":"ever thrash metal album, which"},{"speaker":"Nick Lincoln","startTime":4631.139,"endTime":4634.289,"body":"is slayers raining blood, which"},{"speaker":"Nick Lincoln","startTime":4631.139,"endTime":4634.289,"body":"still sounds absolutely"},{"speaker":"Nick Lincoln","startTime":4634.289,"endTime":4637.3189999999995,"body":"fantastic. And it comes in at 28"},{"speaker":"Nick Lincoln","startTime":4634.289,"endTime":4637.3189999999995,"body":"minutes. I wouldn't. If you're"},{"speaker":"Nick Lincoln","startTime":4637.3189999999995,"endTime":4639.509,"body":"going out for an automatic meal."},{"speaker":"Nick Lincoln","startTime":4637.3189999999995,"endTime":4639.509,"body":"Don't put that on the"},{"speaker":"Nick Lincoln","startTime":4639.509,"endTime":4641.2789999999995,"body":"background, you know, because"},{"speaker":"Nick Lincoln","startTime":4639.509,"endTime":4641.2789999999995,"body":"it's over by the time the"},{"speaker":"Nick Lincoln","startTime":4641.2789999999995,"endTime":4645.749,"body":"terrain is coming out. But a"},{"speaker":"Nick Lincoln","startTime":4641.2789999999995,"endTime":4645.749,"body":"great guy. Okay, what else we're"},{"speaker":"Nick Lincoln","startTime":4645.749,"endTime":4650.039,"body":"doing here? The voice della"},{"speaker":"Nick Lincoln","startTime":4645.749,"endTime":4650.039,"body":"Bochy, Dan Sullivan. Benjamin"},{"speaker":"Nick Lincoln","startTime":4650.039,"endTime":4651.629,"body":"Hardy. Yeah,"},{"speaker":"Carl Widger","startTime":4651.66,"endTime":4654.45,"body":"so I didn't put the"},{"speaker":"Carl Widger","startTime":4651.66,"endTime":4654.45,"body":"book title in the culture"},{"speaker":"Carl Widger","startTime":4654.45,"endTime":4657.54,"body":"quarter, cuz you would have made"},{"speaker":"Carl Widger","startTime":4654.45,"endTime":4657.54,"body":"a smart comment about it, you're"},{"speaker":"Carl Widger","startTime":4657.54,"endTime":4666.48,"body":"gonna love what the book title"},{"speaker":"Carl Widger","startTime":4657.54,"endTime":4666.48,"body":"is. 10x is easier. So, Dan"},{"speaker":"Carl Widger","startTime":4666.48,"endTime":4670.47,"body":"Sullivan and Benjamin Hardy"},{"speaker":"Carl Widger","startTime":4666.48,"endTime":4670.47,"body":"wrote this book. I didn't love"},{"speaker":"Carl Widger","startTime":4670.47,"endTime":4675.63,"body":"it all. But there are definitely"},{"speaker":"Carl Widger","startTime":4670.47,"endTime":4675.63,"body":"nuggets in it. And I did, as"},{"speaker":"Carl Widger","startTime":4675.63,"endTime":4682.17,"body":"usual, the the audible version"},{"speaker":"Carl Widger","startTime":4675.63,"endTime":4682.17,"body":"of it. Some of it's not great,"},{"speaker":"Carl Widger","startTime":4682.3499999999995,"endTime":4686.46,"body":"but there are some really good"},{"speaker":"Carl Widger","startTime":4682.3499999999995,"endTime":4686.46,"body":"stuff. But one little nugget I"},{"speaker":"Carl Widger","startTime":4686.46,"endTime":4690.39,"body":"loved, you know, the way I think"},{"speaker":"Carl Widger","startTime":4686.46,"endTime":4690.39,"body":"we all kind of have come up with"},{"speaker":"Carl Widger","startTime":4690.39,"endTime":4695.37,"body":"our kind of explanations as to"},{"speaker":"Carl Widger","startTime":4690.39,"endTime":4695.37,"body":"what does true wealth mean or"},{"speaker":"Carl Widger","startTime":4695.37,"endTime":4699.96,"body":"whatever. And Dan Sullivan says,"},{"speaker":"Carl Widger","startTime":4695.37,"endTime":4699.96,"body":"freedom of time, freedom of"},{"speaker":"Carl Widger","startTime":4699.96,"endTime":4704.43,"body":"money, freedom of relationships,"},{"speaker":"Carl Widger","startTime":4699.96,"endTime":4704.43,"body":"and freedom of purpose. And I"},{"speaker":"Carl Widger","startTime":4704.43,"endTime":4707.46,"body":"just loved that. And he kind of"},{"speaker":"Carl Widger","startTime":4704.43,"endTime":4707.46,"body":"he goes into the detail around"},{"speaker":"Carl Widger","startTime":4707.46,"endTime":4711.21,"body":"that, and I'm definitely going"},{"speaker":"Carl Widger","startTime":4707.46,"endTime":4711.21,"body":"to use that again. But I think"},{"speaker":"Carl Widger","startTime":4711.21,"endTime":4714.39,"body":"it's probably more relevant,"},{"speaker":"Carl Widger","startTime":4711.21,"endTime":4714.39,"body":"honestly, for someone looking to"},{"speaker":"Carl Widger","startTime":4714.39,"endTime":4718.5,"body":"build a firm, as opposed to"},{"speaker":"Carl Widger","startTime":4714.39,"endTime":4718.5,"body":"Solo's bush. Having said that,"},{"speaker":"Carl Widger","startTime":4718.5,"endTime":4722.28,"body":"there are there's stuff in there"},{"speaker":"Carl Widger","startTime":4718.5,"endTime":4722.28,"body":"for everybody. Yeah, so check it"},{"speaker":"Carl Widger","startTime":4722.28,"endTime":4726.78,"body":"out. 10x Nick, is easier than 2x"},{"speaker":"Andy Hart","startTime":4727.08,"endTime":4729.9,"body":"I think Solomon's got"},{"speaker":"Andy Hart","startTime":4727.08,"endTime":4729.9,"body":"a load of amazing content. And"},{"speaker":"Andy Hart","startTime":4729.9,"endTime":4732.18,"body":"he is a close personal friend of"},{"speaker":"Andy Hart","startTime":4729.9,"endTime":4732.18,"body":"yours and he's in the island."},{"speaker":"Alan Smith","startTime":4733.3499999999995,"endTime":4734.88,"body":"Obviously, yeah, he"},{"speaker":"Alan Smith","startTime":4733.3499999999995,"endTime":4734.88,"body":"is."},{"speaker":"Nick Lincoln","startTime":4736.349,"endTime":4739.409,"body":"Okie dokie. Good"},{"speaker":"Nick Lincoln","startTime":4736.349,"endTime":4739.409,"body":"stuff. Okay, I think we're there"},{"speaker":"Nick Lincoln","startTime":4739.409,"endTime":4742.289,"body":"aren't a chance. I think we're"},{"speaker":"Nick Lincoln","startTime":4739.409,"endTime":4742.289,"body":"clocking in as ever at the sort"},{"speaker":"Nick Lincoln","startTime":4742.289,"endTime":4746.309,"body":"of was that just under the 80"},{"speaker":"Nick Lincoln","startTime":4742.289,"endTime":4746.309,"body":"minute mark. So let's let's tie"},{"speaker":"Nick Lincoln","startTime":4746.309,"endTime":4750.929,"body":"a bow on this thank you as ever"},{"speaker":"Nick Lincoln","startTime":4746.309,"endTime":4750.929,"body":"to TRAPPIST for your time. If"},{"speaker":"Nick Lincoln","startTime":4750.929,"endTime":4753.089,"body":"you'd like to leave a review,"},{"speaker":"Nick Lincoln","startTime":4750.929,"endTime":4753.089,"body":"that'd be absolutely fantastic"},{"speaker":"Nick Lincoln","startTime":4753.089,"endTime":4756.629,"body":"on iTunes is six out of five of"},{"speaker":"Nick Lincoln","startTime":4753.089,"endTime":4756.629,"body":"course and on YouTube where you"},{"speaker":"Nick Lincoln","startTime":4756.629,"endTime":4761.2789999999995,"body":"can subscribe to us. But for the"},{"speaker":"Nick Lincoln","startTime":4756.629,"endTime":4761.2789999999995,"body":"moment, I think we're done. From"},{"speaker":"Nick Lincoln","startTime":4761.2789999999995,"endTime":4763.769,"body":"the trap pack from the three"},{"speaker":"Nick Lincoln","startTime":4761.2789999999995,"endTime":4763.769,"body":"other Horsemen of the"},{"speaker":"Nick Lincoln","startTime":4763.769,"endTime":4768.509,"body":"Apocalypse. It's good bye and"},{"speaker":"Nick Lincoln","startTime":4763.769,"endTime":4768.509,"body":"take care out there folks until"},{"speaker":"Nick Lincoln","startTime":4768.509,"endTime":4770.189,"body":"the next time. Take care."},{"speaker":"Carl Widger","startTime":4770.22,"endTime":4773.13,"body":"Bye. Enjoy the"},{"speaker":"Carl Widger","startTime":4770.22,"endTime":4773.13,"body":"World Cup. Even the English"},{"speaker":"Carl Widger","startTime":4773.13,"endTime":4773.49,"body":"people"}]}