Juvenile life insurance, or life insurance on your kids, is scary to talk about. It’s almost taboo, and I get that. I mean, no one wants to feel like they’re going to profit off their child’s death. Also, the idea of your kid dying is jarring to your core, it goes against everything that feels right and good — heck, it goes against lifecycles itself.
We’ve put together a quick 5 point article on life insurance for kids, and we hope you’ll get something from it.
1. It’s not profiting off the death of your child
This is a super common emotion, and the biggest reason, other than talking about the possibility of your child dying, that people don’t bring it up with their spouses.
I say this, though: if you wouldn’t give up every penny of that life insurance policy to bring your child back, it’s not profit.
2. It can protect them in the future
Juvenile life insurance isn’t just for when they’re a baby or toddler. It can give them guaranteed insurability for their life.
“Hey, Eddie, what is ‘guaranteed insurability’?”
So glad you asked. Guaranteed insurability means they will always be able to be insured, at least in a small way. You see, getting a policy when they’re young gives them a baseline level of protection in case they get diagnosed with something that would otherwise exclude them. That could be diabetes, autism, cancer, MS, leukemia or myriad other diseases.
If they get a policy at a month old and diagnosed with autism at 3 months, they have that policy still. If they get insurance at a year and are diagnosed with breast cancer at 17, they still have that insurance.
3. It can be more than temporary
There are whole life, universal life, and term life policies available. Whole and universal will last for their entire life, term will usually expire somewhere between 18-22.
What’s great, though, is term is usually convertible. What that means is that temporary policy can be turned into a permanent policy, whole or universal, at certain points. That conversion usually doesn’t require underwriting, as well.
That means your child’s term policy can usually be turned into a permanent policy even if they were diagnosed with a life-altering disease.
4. It can fund the future
Many people are aware of 529 College Savings Plans.
Fewer people are aware that a well structures whole or indexed universal life policy can sometimes be more advantageous. This is a wholly different article, so we’ll touch on only a couple things here
First, the value of a 529 plan has to be reported on FAFSA, which may alter financial assistance options.
Secondly, you can help fund college and provide life insurance protection, including guaranteed insurability, in one product.
5. Life insurance isn’t just for breadwinners
Just because someone isn’t bringing in income to your family doesn’t mean there would not be a financial impact should they die, and that financial impact goes beyond burial costs.
Think of the time off one would need to grieve. I have a friend who lost her four year old child a number of years ago. She was able to take only two days off work, and never had the time to properly mourn. That’s inhumane.
Five years ago we would see car washes to raise the funds to bury children. Now we see GoFundMe accounts for the same. No one should have to beg to bury their child. Juvenile life insurance can often be had for mere dollars each month.
Juvenile life insurance is a necessity. It’s affordable. It bring multi-faceted protection to those we promise to care for. We hope this quick article cleared up some myths and brought some clarity to this fantastic tool for your family.
If you have any questions or want a consultation on your options, just reach out to us below.
Here at Bow Tie Financial Group we’ve put together a quick list of simple safety tips to keep your Independence Day safe.
Keep it to sparklers, only. And keep it away from brush and buildings.
If it fires into the air, just don’t do it. We live in a dry desert and there’s an incredible fire hazard. Also, it startles pets.
Charcoal grill? Make sure to watch the fire as it burns down while igniting the coals. Don’t squirt lighter fluid on hot or flaming coals.
Why don’t you want to put lighter fluid on hot coals? It vaporizes the fuel and makes it susceptible to flashing up. Eddie fire danced for years and has seen this happen before. It’s dangerous.
Gas? Double check your propane lines and all the connections. If it doesn’t light up quickly, turn the gas off and let it dissipate.
Heat up hot food thoroughly. Safe internal temperatures of meat are:
- Pork, ground beef: 160°F
- Chicken, turkey: 165°F
- Beef (medium-rare): 145°F
- Beef (well done): 170°F
- Beef (medium): 160°F
- Sausage: 165°F
Keep cold food cold, we suggest a tub of ice underneath the container holding the food.
Your walls should be high enough to keep a panicking dog in your yard. Regardless, make sure your dogs and cats are safe in a room, especially if they’re prone to panicking at loud noises.
Many people are using thunder blankets for their dogs to calm them down.
What’s a thunder blanket? It’s a weighted blanket or coat for critters (or people) that provides comfort.
For those who let their furbabies walk around au naturale at home, keep the collars on them with their tags: just in case.
There are likely going to be a lot of drunk drivers. Don’t be one of them.
Cabs are always available, as are ridesharing apps like Uber and Lyft. Of course those will be subject to surge pricing later in the evening, if not earlier, so a cab may be more affordable.
If driving during fireworks shows, make sure not to watch them while you should be watching the road. Especially because you can bet on other drivers being less vigilant than you.
One last thing
Remember that Independence Day is a great celebration of the start of our fine country.
Freedom isn’t free. Some pay that price with their efforts and lives, others pay it with their taxes and sweat, some pay for it with dissent and protest.
However you pay for freedom, we here at Bow Tie Financial Group thank you from the bottom of our hearts. We will always have your back to protect what you have worked for and what you cherish.
It’s not a fun topic to talk about, mostly because the basics of this kind of insurance is not about life, but death. We generally don’t want to talk about our own mortality, much less plan for the eventual inevitable.
Life insurance is a much more difficult topic to think about than it is to actually talk about.
Because of the difficulty of this subject, many companies have started utilizing the multi-level-marketing (MLM) format which emphasizes selling to people you know.
The problem with the MLM format
There are five main downfalls we have found with the multi-level-marketing format of life insurance.
- Agent dedication
- Marketing efforts
- Product direction
- Effective servicing
- Recruiting model
Before we get into these problems, let’s define a MLM organization and an agent.
Multi-Level-Marketing organizations are companies with a group of offerings that focus on both product sales and recruiting. Rather than being a service and sales oriented company, they focus on selling a business model to prospects. For instance, World Financial Group (WFG), is a multi-level marketing company that offers various life insurance products. Their agents are taught life insurance basics, what anyone needs to learn to get licensed, and then are trained to recruit prospects to join their downline.
The downline is simply people an agent has recruited to work under them. Conversely, the upline is the people who recruited the agent.
Whether MLMs are legitimate businesses is a debate for a different website, as we here at Bow Tie Financial Group are all about insurance, not the nuances of what constitutes an “actual” business.
Most MLMs in the life insurance realm have a partnership with a few companies. WFG, for instance, has special contracts with Transamerica, Pacific Life, and a few others. People Helping People (PHP) has a special contract with AIG and, I’m certain, a few other carriers. Primerica has partnerships with Metlife, Franklin Templeton Investments, Lincoln Financial, and others.
You might be aware of a few other multi-level marketing organizations out there, such as World Ventures, Mary Kay, Amway, Avon, Jamberry, LegalShield, Herbalife, and innumerable others. There’s even a magazine periodical dedicated solely to the development of MLM participants.
All of these promise full-time income potential with part-time effort.
It’s time to dive into why, in our opinion, MLM life insurance companies are best to be avoided as life insurance consultants.
1. Agent Dedication
Agent dedication is critical. What do we mean by agent dedication, though?
We mean an agent whose primary focus in business is insurance. Who is solely focused on learning the policy types, differences between products, how each company operates differently, and wonky insurance nuances most people aren’t even aware of.
What else? Agents should be dedicated to their clients and to their carriers. Obviously their clients need to be properly protected. The carriers all have a demographic they best fit, usually represented by rate. Pairing the two up is really the thrust of the agent’s job.
Dedication also comes into play with longevity. If you have insurance questions about a universal life policy, or what some options are with a whole life policy after a few years of cash accumulation, you’ll need an agent who has been with you since it was the setup.
Speaking of setup, we need to make sure your agent is setting up your cash-value life insurance policy with your best interests, not maximizing their commission. Other than cash value, do you need a child rider, return of premium rider, or maybe a waiver of premium rider on your term policy? Do you even know what they are or what they do? These are all things full time agents know which many MLM agents don’t even have on their radar.
2. Marketing Efforts
This is a complicated part of this writing. Marketing is probably the most critical part of the prospecting and sales process, other than making sure things are written correctly.
MLM companies market to three distinct groups of people, on behalf of two entities. They market to
- Current representatives on behalf of themselves
- Current representatives on behalf of their specially contracted carriers
- Prospective representatives on behalf of themselves
- Specially contracted carriers on behalf of themselves
Agents have one job: marketing to prospects and clients.
What happens when you have a MLM company bringing agents to their annual convention, where their top one or two carriers talk about how great they are and how, without them, the MLM all these people “work for” would not exist? What happens when agents, who by their licensing, are in a position of authority, are lead to believe they’re superior to people with a job (which is often spoken derogatorily as a ‘j-o-b’) because they’re “owning their own business”?
Agents have, in our opinion, one job: match our clients up with the best program for their needs. The only thing we are superior in is our knowledge of insurance product, not business, life, or how to live.
Multi-level marketing organizations have an insular culture of us-first, largely because of their marketing. This results in an often cultist organization where people first represent the MLM company rather than the interests of their clients. Sure, they touch on the best interests of prospects, it just comes as one of the tools for the organization’s strategy rather than the root of the agent’s process.
So, to answer our first question, what happens when they bring agents to their convention and their agents buy into the idea of independence built upon the back of this organization? People are given options that are limited, at best, and duped into joining an organization that will suck them dry, at worst.
Agents are dedicated to marketing to new prospects to consult with them. That’s the daily marketing effort of the independent agent. We don’t want to recruit or sell a dream of owning your own business — we just want to set you up with an insurance program that benefits you.
3. Product Direction
Product direction is not a term the insurance industry uses. In fact, it’s a term we made up to describe the focus of how agencies position their products. It ties closely in with marketing efforts, though it slightly different.
A life insurance product is intimate. It is often the one barrier between your family’s success and destitution in the event of a death. It can be a cushion that lets you take time off for grieving and therapy after losing a child or loved one. It can save an entire matriarch’s legacy from ruin.
Life insurance is often the one protection between destitution and success
The one direction product for full-time life insurance agents is toward clients. It’s finding the blend of term, cash value, and long term care. It’s figuring out whether juvenile life is best set up as a whole life to help fund college, or if it’s more advantageous to set it as part of the parents’ coverage.
Our one goal is to build a client for life, as it were.
Furthermore, product direction is based in experience. A direct agent will have a team of underwriters backing them to answer any questions they have. Many even long-time representatives with MLM organizations are still in a beginner level of knowledge with how to set people up properly.
Agents’ products are focused on client protection, growth, and development. We are experienced and backed by teams with an immense collective knowledge focused on selling the right product, not selling mass quantities of product.
4. Effective Servicing
Servicing applies to more than a missed payment or adjusting how much you put into your indexed life insurance policy. Servicing is anticipating your needs when you call in with a problem. It is a periodic review of what you currently have and suggestions on how to move forward.
Servicing is critical to insurance, especially life insurance. It comes from a desire to maintain good relationships and empower people to maintain knowledge and control over their assets and life. Servicing is one of the most powerful tools in an agent’s set.
Speaking from experience, servicing through a MLM representative’s perspective and from a direct agent’s perspective is wholly different. A representative with a MLM does not own their book of business. What that means is while they have access to it, it can be taken away at any time. A direct agent owns their book and is able to stay on top of any issues faster.
What that means, for you, is one less layer of red tape to cut through on the day before payday when you realize there’s a little more month left than there is check, and you need to adjust something. It means that direct agent is more likely to be able to pull you out of a sticky situation. It means that question you have about your unique underwriting case has fewer steps to get through for a solid answer.
It’s the difference between a policy being issued in days and one being issued in weeks. It’s often a 10% difference in premium, whether $18/month vs $20/month or $270/month vs $300/month. Oftentimes it even comes down to accuracy against speed.
Direct agents are more flexible and empowered to service their — our — clients. And we’re proud of it.
5. Recruiting Model
Most of this comes down to the recruiting model multi-level marketing organizations employ. In order to make recruiting attractive, there are weaknesses built into the representative’s business plans.
One of the largest problems is commission: a MLM representative’s commission is significantly lower and will still only go up to a fraction of a direct agent’s rate unless they can become among the top 5% of recruiters (recruiters is emphasized because amount and quality of sales don’t contribute to their commission).
We don’t work for free, of course, which is why we need commission. Our consultation to help you find, apply, and be accepted for the right insurance plan is our commission. It’s what keeps our lights on, our fridges stocked, and our tanks full. It feeds our pets, raises our children, and gives back to our community. The commission paid out on a policy is the same, whether it goes to a MLM or direct agent. It’s just your direct agent gets a higher commission because they’re empowered to service and work on your policy. The MLM organization absorbs 30-75% of the commission (usually on the higher end) to maintain their organization.
What this pay cut means is instead of being solely an insurance consultant and agent, MLM representatives have to recruit to survive and grow their business. This makes their friends, family, and insurance prospects potential downlines, to participate in these cut-rate commissions and recruiting models to train their own competition masked as teammates.
Direct agents only sell, service, and manage policies. We do not recruit.
As distasteful as we find the vast majority of multi-level marketing organizations, we don’t wish to discourage people from joining them should they find a fit. Much like food, we can’t fault people for enjoying what they do. I, Eddie, the author of this post and president of Bow Tie Financial Group, cannot stand eggplant, yet I don’t think people should never eat it if it suits them.
This is more a warning, a tip, something to encourage people to take a second look at the organization they’re purchasing something so, so critical from.
Direct agents are local business owners with full stakes in their business. We are people who dedicate ourselves to knowing what you don’t know, and what you don’t want to know. We ask ourselves each day “What do I know? What do they need to know? Have I told them it yet?”
Keep it local, keep it in your community, and keep it in your best interest. Go direct.
Click here for a quote
4 Things to Consider When Insuring a Second Home
Everyone loves vacation. But, vacationing in your own seasonal home? Even better. Especially because we’re starting to get to Snow Bird Season, where people are looking to get second homes
However, there’s a lot to consider when it comes to protecting your investment in a vacation home, and you definitely want to protect it. We here at Bow Tie Financial Group can help by making sure you have the insurance coverage you want.
To that end, here are four things that may impact the coverage you choose and how much you’ll pay for it:
- Separate Policy: Your seasonal home won’t be part of your primary property policy. It needs its own policy, and you can expect it to be similar to the one for your primary residence. However, you do need to watch out for “named perils” coverage, under which your policy explicitly lists the perils it will cover. If a peril isn’t listed, no coverage. We typically steer homeowners away from this type of coverage, in favor of broader coverage.
- Location and Occupancy: The “where” of your vacation home is no doubt among the primary reasons why you bought it. But, it will also impact your insurance costs. Rural areas are harder for emergency responders to reach, and some homes are prone to flooding in surprising flood zones. These added risks can mean added insurance costs, such as the need for a separate flood policy. If the home is unoccupied or rented for much of the year, there are even more insurance considerations.
- Personal Property: Establishing and maintaining a separate inventory of the things you keep at your vacation home will help you select an appropriate level of personal property coverage. If it’s filled with expensive skiing and snowboarding gear, for example, you may need increased coverage or to schedule some of the more valuable items separately.
- Extra Liability Protection: If you plan to regularly host guests at your summer or winter retreat, you should consider an umbrella policy, which will help to increase your liability limits in case someone is seriously injured on your property. This can go for invited and uninvited guests alike.
We know you want to relax and enjoy your chosen spot in the sun – or snow. Having the right insurance coverage helps you do just that, so give us a call and let us help.
On the heels of Brexit, where the Dow Jones dropped 900 points over two days because of a market decision by a single country, it’s time to reevaluate some ways to purchase your retirement.
It’s time we talked…
It’s time to talk about something that has been worrying many people for a while. It’s going to be painful for some, confusing for others, and a giant relief to the rest. It’s going to inflame some established professionals and I look forward to them denigrating me later.
The stock brokers, the traders, the certified financial planners will all shout me down. The Dave Ramsey die hards will say I don’t know what I’m talking about. The securities licensed professionals will mock my supposed lack of knowledge.
And that’s fine.
I’m not here to talk down about what others are doing, I’m not going to lambast anyone for their work. I’m simply going to teach you about some options that may work better in the future. I want to show you how the money you work hard for can be lost through no actions of your own. I am going to show you how it can be even better protected.
It’s not you, it’s them
The securities industry is shrouded in myriad misconceptions. Their financial representatives have been thought to be able to take $100 and turn it into thousands. Maybe you’ve even heard a company say their traders or company algorithm beats the market regularly.
What does that even mean?
Does it mean their traders lose 10% less than their next competitor 51% of the time? That’s beating the market. Does it mean the baseline they measure themselves against performs at 75% while they are at 76%? That’s beating the market, and they can even change their baseline on a whim. Maybe it means their highest value clients’ performance buffered all the losses in their lower clients’ portfolios. It can mean many, many things.
Very few of those meanings will mean much for the average worker. Here’s the point: each year the hidden fees in stocks and mutual funds could destroy whatever you’re setting aside in your 401(k), IRA, mutual funds, or stocks.
The bottom line:
Your retirement account might be slowly suffocating in low performing or stagnant markets.
Does this apply to me?
I generally look at this to apply to people making between $30,000 and $150,000 each year. There’s wiggle room downward and upward, depending on financial comfort levels and stability.
Millennials, the oft maligned generation I proudly claim membership in, usually prefers our solutions. Their forward thinking parents and family members who are worried for the future being left will also usually align with this viewpoint.
Why should I care?
If you have $10 in the market and it drops 50%, you have $5.
How well does the market have to perform to get back to $10?
Many people instinctively answer 50%, because that is the amount of the loss, but a 50% increase of $5 leaves you with $7.50, only an increase of $2.50.
50% of 5 is 2.5.
The market needs to increase 100% to compensate for a 50% loss.
The thing is, and this is where the securities oriented people will concede a point, it eventually will recover from any major losses.
Yes, over the course of months, or years, or a decade, it should recover. The major loss of 2008 when the housing market tanked took years upon years to recover. One of my clients lost over 85% of his pension, and even in 2015 had only 30% of it’s original value when he was finally ready to retire due to these many factors.
That’s what matters most
Ready to retire is the operative phrase. If you’re planning on retiring in September and the stock market supporting your mutual fund or stock options tanks in May, you might have to delay it. You might have to return the tickets for your 14 day Alaskan cruise, you might have to scratch off all the train stops around Europe, you might have to tell the grandkids you’ll take them fishing next year.
Rebuilding takes time and banking on longevity only works for so long. Eventually something will have to be solidified and the opportunity for that could disappear incredibly quickly.
I once had a fencing coach tell me “If you see the moment, it already passed.”
This is how I look at finances: proactively and ready to seize opportunities as they come, rather than reacting to negative stimuli.
The proposed solution
Cash value life insurance.
Four words which bring up untold emotions and reactions. People hate talking about life insurance to begin with, and adding the emotionally charged word “cash” to it just makes it more confusing. Oh, and let’s add “value” on top of it just to deepen the obfuscation.
All it means is that it’s life insurance which builds up an amount of money you can access while you’re alive. Yes, life insurance that helps you live!
A properly designed and funded cash value life policy, especially in an indexed fund (which we’ll get to) will outlast mutual funds from any period of history. They are likely to continue that performance simply because of how they’re designed.
The real impetus, the most important part, is that it’s designed correctly. Just as a crummy broker can put you into a fund which cracks your nest egg before it hatches due to fees, a bad life insurance agent can build a life insurance policy that doesn’t do what you need because it nets them a higher commission.
The main things to look for
For our purposes, we’re going to talk about an indexed universal life policy, or IUL. Whole life can also work, especially with dividend options, but a good indexed life policy is really the meat and potatoes of the future of planning.
The first, and biggest, thing to look for is Option A or Option B. Two industry terms that mean only one thing: level death benefit or increasing death benefit, respectively.
The death benefit is basically what the life insurance company will pay upon your death, or the expiration of the policy. It involves the total stated death benefit minus any loans that haven’t been paid back.
Level death benefit is A, and it’s not ideal for building wealth. As your life insurance builds a balance of money you can borrow against, it doesn’t get added onto the check the company will cut your family should you, G-d forbid, die.
Increasing death benefit is B, and it’s exactly what you’d to use to build wealth. As the policy increases in value, so does the check the company would pay.
Yes, cash value not only builds something you can use while living, it can increase the total amount paid to your family.
These two tools with completely different outcomes are based on one kind of life insurance. The former (A) is what every unlicensed mainstream financial adviser rails against, the latter (B) is what agents sell because we know what works.
The other main thing to look for is how much you can fund the policy without hitting the MEC limit. All that means is that you want to keep it as a life insurance policy according to the government rather than a modified endowment contract (taxed like an annuity, not a life insurance policy).
Why would I care about an IUL?
The indexed universal life insurance policy will do something amazing: it increases when the markets do well, and it stays level when they don’t.
When the exchanges tied to your policy’s index go up, the value of your policy goes up. Simple as that. When they go down, which they will, the policy will stay level.
Generally speaking, most of these programs will take the first 0.15%-1.45% of the increase, called strategy spread, to compensate for the inevitable downturn and for fees. The best ones will only take that strategy spread when the market does well, and they don’t compound it if they didn’t take it last go-around.
A properly designed IUL will not only perform just as well as a similarly funded mutual fund long term, it will provide immediate life insurance. That means just from purchasing your retirement plan you will have some life insurance protection, which you can supplement even more with lower-cost term insurance.
Even better, and perhaps most importantly, a long term care rider can be added on, often for mere dollars. This provides access to the death benefit and cash value should the insured become ill or injured to the point where they need assistance with multiple activities of daily living.
Long term care insurance becomes exponentially more expensive later in years, and taking care of it with this option in your 20s, 30s, 40s, or even later can save not only thousands of dollars, but many headaches. With over 90% of married couples and 70% of individuals eventually requiring long term care, this is practically a necessity.
Finally, I write a lot about properly funding an indexed universal life policy. Many of us go through lean times and, during those times, you can scale back how much you pay into the policy. This will, of course, affect its growth, but it’s easily recoverable.
The long-short of the IUL
With access to riders which provide long term care, other rider options which we didn’t get into, no market loss, growth potential, and payment flexibility, this is a great option not only to start with, but to stick with.
After years of building the cash value in an indexed life insurance policy, you can either start borrowing or withdrawing from the value, or you can take all or some of it and purchase another product, like an indexed annuity to grow further with guaranteed lifetime income.
If it’s made right and funded right, a 20 year old could have access to over $1 million by their mid 30s. With it used as a retirement supplement started by someone in their 30’s, they can borrow against the fledgeling cash value in times of emergencies or even as a down payment for a home. The possibilities are really quite endless.
The best part is that if the S&P 500 absolutely drops, tanks, craps out in May and you were planning on retiring in June, you still get to.
One further advantage
There is one more reason to trust a cash value life insurance policy: protection from seizure.
If you are found at fault for injury, whether from an auto accident or personal liability, and you don’t have enough insurance to cover it or money enough to pay for it all, the state of Arizona can seize your assets. This can include your 401(k), IRA, draining your bank account down to $150, and even 25% of your future wages — all from a couple terrible moments in a car accident. One of the few things Arizona cannot seize is cash value life insurance.
It’s protection from market fluctuations and from massive life fluctuations.
There are many, many products out there to ensure your golden years are golden for many years. This is simply one astoundingly flexible tool which provides stability, options, and layers of protection to your and your loved ones.
If you have any questions, please do reach out.
Bow tie tribe, Eddie here.
I am beside myself to announce the next iteration of our service reach: podcasting. It’s been a long time coming and a long time in the works, but we’re finally ready to announce The Bow Tie Touch. This will be a semi-weekly podcast launching July 11, 2016.
With The Bow Tie Touch we’ll be interviewing entrepreneurs, employers, employees, and consumers to empower experiences.
Empower experiences? What does that mean?
We all want the same thing from our business interactions: a successful transaction. Consumers, employees, and employers don’t have to be on opposing sides. The transfer of money doesn’t make us enemies, adversaries, or in any way at odds. It makes us allies.
The customer isn’t always right, the employer isn’t always wrong, and the inverse isn’t true either. We’re all humans (you know, people) trying to get stuff done. So let’s help each other get it done.
As I said, I’ll be interviewing people about their experiences helping customers, as customers, or as the directors of those who help customers. There will be a bio introducing my guest, some long-form discussion questions, and then a quick-fire round. Some of you will see this modeled after EO Fire, and it definitely took much inspiration from that podcast.
Between guest interviews I’ll be speaking on a subject at hand. It might be influenced by recent experiences of my own, it might be influenced by industry changes, it might be from current events, it could even be random inspiration. The goal is to have an overarching view of customer experiences and how to empower customers and service providers to make everyone’s experience better.
Aside from Johnny Dumas’ EO Fire, this came about from two things: a podcast addiction and a service addiction.
While listening to podcast after podcast about starting and running businesses, I didn’t hear any about making it better for the consumer. They all touch on the necessity of a good experience, but that’s just as a function of running a company and keeping clients/customers/members with you. I want to talk with people about the actual lifeblood of the company.
Thank you for reading this, bow tie tribe. I’m excited to bring you our first podcast Monday, July 11, 2016. The link will be shared and posted as soon as it’s available.