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Ron Jacob
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Ron Jacob
@RonRafjake
Father, husband, friend & believer...always looking to uplift and be the best version of myself
Katılım Temmuz 2016
1.1K Takip Edilen223 Takipçiler
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What's meant for you will always find its way. When you really trust that, the fear of losing things starts to fade. You stop holding on so tight. You stop trying to control what was never yours to keep. Things come. Things go. That's how it's always been. But the right things, the ones meant for you, don't need to be forced. Just love them. Let them breathe. If they're yours, they'll stay. If not, they'll teach you something before they go.
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Mark Cuban reveals the drug industry is so broken that the same medicine costs $2,000 at CVS and $61 through Cost Plus Drugs
“If you walked into CVS or some big pharmacy, they’re going to charge you two grand.”
“We’ll charge you $61.”
“There was another one where a friend of mine was paralyzed and needed this drug called Droxidopa.”
“They were going to charge him $11,000 every three months.”
“Our price was like $51 every three months.”
That price difference is insane.
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SECRETLY READ ANYONE:
1. Status - revealed by their shoes.
2. Discipline - revealed by their nails.
3. Background - revealed by how their sit.
4. Intentions - revealed by their eyes.
5. Personality - revealed by how they laugh.
6. Confidence - revealed by how they walk.
7. Loyalty - revealed by where they look.
8. Intelligence - revealed by how they listen.
9. Maturity - revealed by how they argue.
10. Respect - revealed by how they treat people who can't help them.
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If you die without a plan...
- The government takes 40% in tax
- Probate court costs $100k+
- Your kids get the scraps
If you love your family, here's every document you need to protect them:
(from a CPA & father of two)
1) Emergency Access List
This should include:
-> All bank account numbers
-> Investment account logins
-> Life insurance policies
-> 401k/IRA beneficiaries
-> Safe deposit box location
-> Password manager master code
Keep a digital & physical version for safety...
And make sure your spouse has access.
2) Legal Documents
-> Will (name guardians for kids)
-> Durable Power of Attorney
-> Healthcare Power of Attorney
-> Living Will/Healthcare Directive
Setting all of this up costs about $500...
($1,500 with an attorney)
But without them, the state decides everything.
3) Money Protection
Your family will need time to mourn.
Make sure they can do it without going broke:
-> Term life insurance (10x income)
-> Emergency fund (6-12 mo in a HYSA)
-> Retirement accounts with spouse access
4) The "First 48 Hours" Sheet
Write down clear instructions for your family:
Call this attorney: [Name/Number]
Call this CPA: [Name/Number]
File life insurance claim here: [Details]
Don't touch investments for 6 months
All bills are on autopay from [Account]
Grief destroys decision making.
This protects them.
5) Business Owner Addition
If you have a business, set up:
-> Buy sell agreements
-> Key person insurance
-> Business succession plan
-> Separate LLC owned by trust
If your company can't survive without you...
It's a 9-5 with extra steps.
6) Trust Setup
A proper trust can save your family $400k+ in probate costs.
But 90% of them are set up wrong:
-> Assets never get transferred in
-> Beneficiaries aren't updated
-> Pour-over will is missing
Here's how to fix that:
"Bulletproof" Trust System:
1) Revocable Living Trust
-> Avoids probate completely
-> Keeps finances private
-> Protects kids' inheritance
2) Pour-Over Will
-> Catches forgotten assets
3) Guardian Designation
-> Who raises your kids
-> How they get paid
Setting this up takes a weekend...
But ignoring it could cost your family everything.
So start before you're ready...
Because no one plans on dying.
Hope this helps!
Share with your spouse if you want to set this up...
And follow me for more 🤝🏻
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Bloodwork worth checking if your serious about your heart health:
- ApoB
- Lp(a)
- NMR LipoProfile (LDL-P, small dense LDL, LDL size)
- Ox-LDL
- Total cholesterol
- LDL-C
- HDL-C
- VLDL
- Triglycerides
- Triglyceride/HDL ratio (calculated)
- Remnant cholesterol
- Non-HDL cholesterol
This should give you some depth to work on for optimization purposes.
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Un profesor del MIT dio la misma conferencia cada enero durante 40 años, y cada una de las veces no cabía ni un alma en el aula.
La vi a las 2 de la mañana y cambió por completo mi forma de entender la comunicación.
Su nombre era Patrick Winston. La conferencia se titula "Cómo hablar" (How to Speak).
Su frase de apertura te golpea como un camión: "Tu éxito en la vida vendrá determinado en gran medida por tu capacidad para hablar, tu capacidad para escribir y la calidad de tus ideas, en ese orden".
Ni tu nota media, ni tus títulos, ni tu coeficiente intelectual. Cómo hablas es lo que separa a las personas que son escuchadas de las que son ignoradas.
Este es el esquema que inculcó a los estudiantes del MIT durante cuatro décadas:
1) Nunca empieces con un chiste: Empieza diciendo a la gente exactamente qué es lo que va a aprender. "Prepara la bomba antes de verter nada". Él lo llamaba la "promesa de empoderamiento": dales una razón para no levantarse del asiento en los primeros 60 segundos.
2) La regla de las 5S: Para que una idea se quede grabada debe ser: Símbolo, Slogan, Sorpresa, Saliente (relevante) e Historia (Story). Cualquier idea que valga la pena recordar cumple al menos tres de estas.
3) La técnica del "casi acierto" (Near Miss): Esta parte me dejó alucinado. No te limites a mostrar lo que está bien; muestra lo que parece estar bien pero no lo está. Ese contraste es lo que hace que el cerebro registre algo de forma permanente.
4) Su regla final: Termina con una contribución, no con un resumen. No recapitules lo que ya dijiste. Dile a la gente qué les has dado que no tenían antes de entrar por la puerta.
He usado este esquema en ventas, entrevistas y presentaciones desde que lo vi, y los resultados no son sutiles.
Patrick Winston falleció en 2019, pero esta clase sigue siendo gratuita en el OpenCourseWare del MIT. Una hora, vista por millones de personas, y no cuesta absolutamente nada.
Video: "How to Speak", Patrick Winston, MIT OpenCourseWare, RES.TLL-005, January IAP 2018.
Fuente: MIT OpenCourseWare.
Licencia: CC BY-NC-SA.
Términos: ocw. mit. edu/ terms

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