#76 - Deep Dive on 4 Mid Tier MSOs (ft. Nick Gastevich aka CannaVestments)
Play • 1 hr 49 min

In this episode we are joined by seasoned cannabis investor and all around gentleman Nick Gastevich (known online as CannaVestments).

You can find Nick on linkedin @ https://www.linkedin.com/in/nicholas-gastevich-75841346/or see his family office website @ https://www.vginvests.com/

The 4 “next tier” MSOs we cover are:

1) Columbia Care

2) AYR Strategies

3) TerrAscend

4) Jushi

We discuss:

- Why it’s important to dig into these mid-tier MSOs

- How these players have a chance to out perform through M&A

- How investors should analyze these company’s footprints

- Why fundamentals and IR mismatch can be an opportunity

- Which companies we like the most from a value perspective

For each company we do a deep dive on:

- The footprint and “core markets”

- Which markets are the most attractive

- How we think the company will perform in 2021 and beyond

- How M&A has shaped the company

- Revenue and EBITDA multiples

- Valuation: where do we see value?

Thanks to Nick for joining us – his insights are always greatly appreciated

RV Podcast
RV Podcast
Mike Wendland
How to avoid outrageous fees for a Medical Emergency on an RV Trip
Most of us rely on insurance. But when you suffer a Medical Emergency on an RV Trip, that insurance may not be adequate, especially if you need a land or air ambulance. In fact, many of those air and ambulance costs claims are rejected by the insurance companies, even if the transport was called by EMTs or the hospital. It's a giant loophole that is particularly important for RVers to know about because they often find themselves in remote locations where hospitals can be few and far apart. In RV Podcast Episode 333, we learn the startling high percentage of ambulance runs that are rejected by insurance companies and the catastrophically high costs for emergency air ambulance that also go uncovered by insurers. You can listen to the entire podcast episode in the player below, or go about 20 minutes in to hear the interview. Or scroll down and keep reading this post for a full transcript of the interview. Our guest is Tim Gustafson, who runs an outfit called the Medical Air Service Association (MASA) which offers a special program to cover those 100% of those ambulance costs. I met Tim a couple of weeks ago and after hearing some of the horror stories that RVers have had because of uncovered ambulance fees, I thought his information would be of great interest to RVers. Transcript: Interview about ambulance costs related to a Medical Emergency on an RV Trip Mike Wendland: Joining us now to talk about these issues is Tim Gustafson. Tim is with a group called MASA, for Medical Air Services Association. I met Tim a week or so ago, and we were talking about some of the issues that RVers encounter when medical emergencies happen on the road. He had some pretty scary stories to relate to me that I in turn want to relate to you. So Tim, thank you for agreeing to come on the program and talk about some of this stuff. Tim Gustafson: Well Mike, thank you so much for having me. Mike Wendland: So let's talk a little bit about a lot of us think that if something happens on the road, we're all covered with all the different insurances. Walk through some of the scenarios that we need to understand about ambulances, whether it's emergency air ambulances or even ground ambulances. When an air or land ambulance is called during a Medical Emergency on an RV Trip Tim Gustafson: Yeah. I've been an insurance broker for 16 years or so now. What that means is that I work for my clients, but I represent about 90 different insurance companies. One of the biggest gaps that I see is ambulance coverage, by ground or by air. Statistically, there's roughly three and a half million ground ambulance runs per year, and one out of seven is just outright denied, because it's not up to you, it's not up to the EMT to determine whether it's medically necessary. They have some heartless dorks sitting behind a desk at a home office and an insurance company to decide if it's medically necessary or not. So 14%, roughly one out of seven get denied. Most health insurance plans do not cover emergency transportation The denials by air ambulances are far greater than that. Denial rates are through the roof really, because air ambulances are not considered a medical expense due to the Deregulation Act of 1978. They're actually classified as a common carrier so they can just charge whatever they want whenever they want. The Department of Insurance, Medicare, Medicaid services, any insurance company, they have about as much influence over the pricing as they do over Southwest or Delta Airlines. Mike Wendland: Give us an example. The costs of an air ambulance during a Medical Emergency on an RV Trip Tim Gustafson: I had some great clients that were taking their RVup to Alaska in the summer of 2019. They got just North of the Washington border and the husband ended up having a heart attack. So they called 911, which is the number you call if you're in Canada, by the way. I didn't know that.
44 min
The Bar Exam Toolbox Podcast: Pass the Bar Exam with Less Stress
The Bar Exam Toolbox Podcast: Pass the Bar Exam with Less Stress
Bar Exam Toolbox
122: Listen and Learn -- Easements (Real Property)
Welcome back to the Bar Exam Toolbox podcast! Today, in an episode of our "Listen and Learn" series, we're discussing easements, which is one of the more common Real Property topics on bar exam essays. In this episode, we discuss: * Easements - the rule statement * Three important questions to consider when thinking about easements * The different ways in which an easement can be created * The two main types of easements * How an easement could end * Analyzing two Real Property hypos, from the July 2016 and February 2007 California bar exams Resources: * Bar Exam Toolbox blog (https://barexamtoolbox.com/bar-exam-toolbox-blog/) * “Listen and Learn” series (https://barexamtoolbox.com/bar-exam-toolbox-podcast-archive-by-topic/bar-exam-toolbox-podcast-explaining-individual-mee-and-california-bar-essay-questions/#listen-learn) * California Bar Examination – Essay Questions and Selected Answers, July 2016 (https://www.calbar.ca.gov/Portals/0/documents/admissions/gbx/July2016_CBXSelectedAnswers_EssayQuestions1-6_R.pdf) * California Bar Examination – Essay Questions and Selected Answers, February 2007 (https://juraxbar.com/wp-content/uploads/2015/10/February-2007-CBX.pdf) * Podcast Episode 39: Tackling a California Bar Exam Essay: Real Property (https://barexamtoolbox.com/podcast-episode-39-tackling-a-california-bar-exam-essay-real-property/) * Podcast Episode 65: Tackling an MEE Real Property Essay Question (https://barexamtoolbox.com/podcast-episode-65-tackling-an-mee-real-property-essay-question/) * Podcast Episode 93: Listen and Learn – Constructive Eviction (https://barexamtoolbox.com/podcast-episode-93-listen-and-learn-constructive-eviction/) * Tackling Real Property MBE Questions (https://barexamtoolbox.com/tackling-real-property-mbe-questions/) Download the Transcript (https://barexamtoolbox.com/episode-122-listen-and-learn-easements-real-property/) If you enjoy the podcast, we'd love a nice review and/or rating on Apple Podcasts (https://itunes.apple.com/us/podcast/bar-exam-toolbox-podcast-pass-bar-exam-less-stress/id1370651486) or your favorite listening app. And feel free to reach out to us directly. You can always reach us via the contact form on the Bar Exam Toolbox website (https://barexamtoolbox.com/contact-us/). Finally, if you don't want to miss anything, you can sign up for podcast updates (https://barexamtoolbox.com/get-bar-exam-toolbox-podcast-updates/)! Thanks for listening! Alison & Lee
18 min
Retirement Answer Man
Retirement Answer Man
Roger Whitney, CFP®, CIMA®, RMA, CPWA®, AIF®
Let’s Get Physical - Creating Your Health Action Plan
Over the past 3 episodes, we have been talking about different ways that you can improve your health in retirement. Today you’ll take action. Choose the habits you want to build and learn how to actually build these habits and set yourself up for success. Learning about health and nutrition is one thing, but taking action is something else entirely. Press play so you don’t miss out on these tips to learn how to create and stick with healthy habits. Do you need to redefine your fitness identity? When we are young it can be easy to take on a fitness identity. I’m a mountain biker. He’s a basketball player. She’s a swimmer. But as we age we can face a fitness identity crisis. Our fitness becomes more about mobility and nutrition. To help yourself create your new fitness identity think about what you want to accomplish. What do you want to improve about yourself? What new version of yourself would you like to see? Think about your motivation. Why do you want to have a healthy body? This is how you can define yourself. Listen in to hear my new motivation for good health. Choose the habits you want to build The power of good (or poor) health comes from habits. Positive and negative habits compound over time so to begin a healthy lifestyle you have to start by building healthy habits. You could start by building a huge meal plan or exercise routine, but that could also set you up for failure. Rather than creating a strict workout routine try tinkering with your movements to explore healthy activities that you really enjoy. How to build a habit and make it stick You may already understand the importance of building healthy habits but some of us don’t know how to make them stick. Many of us try to create a routine but then struggle to maintain the habits we have created. Luckily, starting and keeping up healthy habits doesn’t have to be as complicated as you think. Try using these tips to help you create and maintain your healthy habits. To create healthy habits: * Set yourself up for success. Make the habit simple to do. * Create friction. Take a bad habit and make it hard to do. * Start with a small habit. Plan on starting with 5 or 10 minutes a day. To maintain and build up your new habits: * Over time increase your routine in small ways. * As you build up your routine, split it up into separate times each day. * When you falter restart quickly and don’t beat yourself up about it. You have the opportunity to change your health Retirement gives you the freedom to change your lifestyle. You have the opportunity to structure your day in a more purposeful manner. Think about who you want to be in retirement and get started building the habits you need to become that person. Listen in to the Coaches Corner segment with BW to hear how movement and mindset can shape your retirement. OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN PRACTICAL PLANNING SEGMENT * [3:30] Most of us have to redefine our fitness identity as we age * [7:25] How to build a habit * [15:32] Two stories to demonstrate different life views COACHES CORNER WITH BW * [19:45] Movement and mindset can help keep you young * [26:52] Use technology to improve your health TODAY’S SMART SPRINT SEGMENT * [34:36] Start to make a change to improve your health Resources Mentioned In This Episode Streaks app Noom app Peloton app Oura Ring James Clear Habit Guide BOOK - Atomic Habits by James Clear Stride app Leave me a comment! Rock Retirement Club Roger’s YouTube Channel - Roger That BOOK - Rock Retirement by Roger Whitney Work with Roger Roger’s Retirement Learning Center
37 min
Short Circuit
Short Circuit
Institute for Justice
Short Circuit 163 | The Law of Johnny 5 Is Alive
For once living up to the 1980s-movie-sense of our name, we’re talking about robots. How should the law treat robots? What do we analogize to, the law of traditional machines? Animals? Something else? How should that law be “made,” by courts or by legislatures? And how does the Constitution interact with artificial intelligence? When a robot writes a novel is it “speech?” In a special Short Circuit, we look into all of these questions with our guest Ed Walters, founder and CEO of Fastcase, and an adjunct professor who teaches robot and artificial intelligence law at Georgetown Law School. Transcript: https://ij.org/wp-content/uploads/2021/02/short-circuit-163_otter.ai_.pdf Copyrighting all the melodies to avoid accidental-infringement, https://www.ted.com/talks/damien_riehl_copyrighting_all_the_melodies_to_avoid_accidental_infringement I, Robot, http://ekladata.com/-Byix64G_NtE0xI4A6PA1--o1Hc/Asimov-Isaac-I-Robot.pdf Ed Walters: https://www.law.georgetown.edu/faculty/edward-j-walters/ Anthony Sanders: https://ij.org/staff/asanders/ iTunes: https://podcasts.apple.com/us/podcast/short-circuit/id309062019 Spotify: https://podcasters.spotify.com/podcast/1DFCqDbZTI7kIws11kEhed/overview Stitcher: https://www.stitcher.com/podcast/institute-for-justice/short-circuit Google: https://play.google.com/music/listen?u=0#/ps/Iz26kyzdcpodkfm5cpz7rlvf76a Newsletter: ij.org/about-us/shortcircuit/ Want to email us? shortcircuit@ij.org
52 min
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