{"id":5290,"date":"2023-11-01T08:59:00","date_gmt":"2023-11-01T08:59:00","guid":{"rendered":"https:\/\/invest351.com\/?p=5290"},"modified":"2023-11-07T08:53:42","modified_gmt":"2023-11-07T08:53:42","slug":"investing-talks-john-mcnertney","status":"publish","type":"post","link":"https:\/\/invest351.com\/en\/investing-talks-john-mcnertney\/","title":{"rendered":"Investing Talks - John McNertney"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"5290\" class=\"elementor elementor-5290\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5080961 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5080961\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8225181\" data-id=\"8225181\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4d0889d elementor-widget elementor-widget-heading\" data-id=\"4d0889d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Investing Talks\n\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2dd8a77 elementor-widget elementor-widget-heading\" data-id=\"2dd8a77\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Name: John McNertney <br><br>\n\nCountry of birth: United States of America<br><br>\n\n\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-faf9a1b elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-text-editor\" data-id=\"faf9a1b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Biographical note:<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e079fd0 elementor-widget elementor-widget-image\" data-id=\"e079fd0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"667\" height=\"1000\" src=\"https:\/\/invest351.com\/wp-content\/uploads\/2023\/10\/Jonh-McNertney2.webp\" class=\"attachment-full size-full wp-image-5296\" alt=\"\" srcset=\"https:\/\/invest351.com\/wp-content\/uploads\/2023\/10\/Jonh-McNertney2.webp 667w, https:\/\/invest351.com\/wp-content\/uploads\/2023\/10\/Jonh-McNertney2-600x900.webp 600w, https:\/\/invest351.com\/wp-content\/uploads\/2023\/10\/Jonh-McNertney2-200x300.webp 200w, https:\/\/invest351.com\/wp-content\/uploads\/2023\/10\/Jonh-McNertney2-8x12.webp 8w\" sizes=\"(max-width: 667px) 100vw, 667px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-48f01c9 elementor-widget elementor-widget-heading\" data-id=\"48f01c9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Let's start our conversation by finding out a little more about John McNertney's history and career: childhood, youth, first steps in his professional career, first dreams...<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b1bf10b elementor-widget elementor-widget-text-editor\" data-id=\"b1bf10b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>I was born in Palo Alto, California, into a family of seven. We all knew that the Bay Area was changing during the early eighties, but nobody understood how central Silicon Valley could become in the future of technology and business. As my father came from an extremely rural background, he decided to move us to Iowa, in the interior of the country, when I was 12.<\/p><p>And so I spent most of my youth away from home, working on the farm before going to university, also in Iowa. As soon as I graduated, I decided to move back to San Francisco. And so, I began a career in finance... The problem, if I can call it that, with Silicon Valley is that it created so much \"New Money\", and while I was training as a financial adviser, there were always new clients around every corner. It was a fantastic era and a place to learn the art of successful financial management!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-989cc9f elementor-widget elementor-widget-heading\" data-id=\"989cc9f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">How did John McNertney start working as a financial adviser in Portugal? What were his main motivations?<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2ef249b elementor-widget elementor-widget-text-editor\" data-id=\"2ef249b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>It was part wish, part luck. I've always been fascinated by life in Europe. I learnt to speak French as a secondary concentration at university, so I was open to living outside the USA. But then fate intervened. My wife received a career opportunity to move to Lisbon in 2019. Initially, I didn't move with her, but when the pandemic started, I came with her and the rest is history! I fell in love with Portugal.<\/p><p>As my main motivations are to guide people seeking to organise the retirement lifestyle of their dreams, I realised that I could do this most effectively for people who share my open global mindset... I now use my technical skills to help provide structure, guidance and investment knowledge to those leading a \"Cross Border\" lifestyle.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8285871 elementor-widget elementor-widget-heading\" data-id=\"8285871\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\"Make hay while the sun shines!\"<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4ec5462 elementor-widget elementor-widget-heading\" data-id=\"4ec5462\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">What are the main challenges that Americans face when settling in Portugal, whether for tourism or residence?<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-879f635 elementor-widget elementor-widget-text-editor\" data-id=\"879f635\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tGenerally, I'm more concerned with the second group... Americans settling for residency. In this case, the main challenges are understanding the unique tax and investment challenges they face as new residents of Portugal. More generally, it can be an overwhelming life change, and there are a number of small issues that require organisation and prioritisation. We often underestimate how much of our life is on 'autopilot', so when we move to another country, we have a lot of rebuilding to do.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d3c8b9c elementor-widget elementor-widget-heading\" data-id=\"d3c8b9c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">What are the main services and guidelines that John McNertney provides to its American clients who wish to live or invest in Portugal?<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6494778 elementor-widget elementor-widget-text-editor\" data-id=\"6494778\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>We offer two essential services: Firstly, we develop a comprehensive financial plan. This includes budgeting, debt and investment management, insurance and estate planning. These things have a different level of priority for different people, so this exercise is intense and varies from person to person.\u00a0<\/p><p>Once a plan has been developed, we provide the technical expertise to execute that plan. I'm an SEC-registered advisor, so we can actively invest client money in financial assets such as stocks or bonds. These are two separate services: Some just need a plan, and some need us to be hired and monitoring to ensure that the plan is executed according to the strategy.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c6eae1e elementor-widget elementor-widget-heading\" data-id=\"c6eae1e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">From your experience, which sectors are of greatest interest to Americans looking for business opportunities in Portugal?\n<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f40257d elementor-widget elementor-widget-text-editor\" data-id=\"f40257d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tIn my experience, the Americans who are attracted to life in Portugal are those who have the flexibility to be location independent. So they're already retired and can go wherever they choose or they have some kind of location-independent job. Can an American nurse simply move to Portugal and start working in a hospital with no language skills or cultural background? Probably not. Can a programmer who supports a global pharmaceutical company and can work remotely work in Portugal? Absolutely. So it's usually this type of person, the person with no distinct ties to a geography, who comes to live here.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f687728 elementor-widget elementor-widget-heading\" data-id=\"f687728\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">What makes Portugal an attractive destination for Americans, whether for tourism or as a place to live or invest?<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-54ee9fd elementor-widget elementor-widget-text-editor\" data-id=\"54ee9fd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tAmericans are attracted to Portugal because of its climate and culture. The climate offers sunshine all year round and, especially for us Californians, that seems perfect! In my experience, the Portuguese are warm and welcoming people. Although they can be a little conservative in some respects, for those of us who feel at home here, we appreciate it. And the proximity to the rest of Europe is a big plus for those of us who have personal reasons to be close to the rest of the European Union as well.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-78e2a22 elementor-widget elementor-widget-heading\" data-id=\"78e2a22\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">What are the main cultural differences and business practices between Americans and Portuguese that expats should be aware of?<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-921d170 elementor-widget elementor-widget-text-editor\" data-id=\"921d170\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Americans tend to make decisions quickly and feel more comfortable operating in a digital environment. Americans are often surprised to discover that the Portuguese don't send emails first and, when they do correspond, prefer a more formal tone. The Portuguese also don't tend to \"fail early, fail fast\" in business. In America, it's quite common to launch a partially developed business and expect others to support and promote it. In Portugal, where the tolerance for failure is much lower, this doesn't happen, so I feel that the environment may be a little less favourable for the entrepreneur.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a4433b2 elementor-widget elementor-widget-heading\" data-id=\"a4433b2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">How does John McNertney help his American clients deal with bureaucratic issues such as visas, work permits and residency in Portugal?<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-be2a87d elementor-widget elementor-widget-text-editor\" data-id=\"be2a87d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tThe group that comes to Portugal either dedicates a lot of time and patience to learning how to navigate these issues or delegates it to a professional. A new class of professionals has recently emerged to provide guidance on these issues, and they are teaming up with Americans.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f2f5b07 elementor-widget elementor-widget-image\" data-id=\"f2f5b07\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"667\" height=\"1000\" src=\"https:\/\/invest351.com\/wp-content\/uploads\/2023\/10\/Jonh-McNertney3.webp\" class=\"attachment-full size-full wp-image-5297\" alt=\"\" srcset=\"https:\/\/invest351.com\/wp-content\/uploads\/2023\/10\/Jonh-McNertney3.webp 667w, https:\/\/invest351.com\/wp-content\/uploads\/2023\/10\/Jonh-McNertney3-600x900.webp 600w, https:\/\/invest351.com\/wp-content\/uploads\/2023\/10\/Jonh-McNertney3-200x300.webp 200w, https:\/\/invest351.com\/wp-content\/uploads\/2023\/10\/Jonh-McNertney3-8x12.webp 8w\" sizes=\"(max-width: 667px) 100vw, 667px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3d6c1f1 elementor-widget elementor-widget-heading\" data-id=\"3d6c1f1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">What are the main legal and tax areas that Americans should consider when moving to or investing in Portugal?<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-152cde5 elementor-widget elementor-widget-text-editor\" data-id=\"152cde5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tAmericans need to understand how their income and investments will be taxed. Do they bring with them a portfolio of investment assets that they have held for years and may be required to pay capital gains on when they sell them? Do they hold these assets within a US retirement account, where they have certain assumptions about the tax treatment of investments on distribution? These ideas need to be explored, validated and, in some cases, a reorganisation strategy needs to be adopted. As for the legal side of things, it may be necessary to review the inheritance laws that will apply now that they have moved to Portugal.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-faa8a52 elementor-widget elementor-widget-heading\" data-id=\"faa8a52\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">In your opinion, what are the biggest advantages and disadvantages of living in Portugal compared to the United States?<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2e11438 elementor-widget elementor-widget-text-editor\" data-id=\"2e11438\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tFor me, it's quite simple; I have a young family with three young children. Portugal is a very family-friendly environment, so I think it makes for a healthier lifestyle. On the other hand, Portugal can have a slower pace, and while I'm middle-aged I prefer that, I realise that my children might get impatient and want to move somewhere where there are more abundant and competitive professional opportunities.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-13b878c elementor-widget elementor-widget-heading\" data-id=\"13b878c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Can you share a success story or an interesting story of how you helped an American client overcome a specific challenge when setting up in Portugal?<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-75d3adb elementor-widget elementor-widget-text-editor\" data-id=\"75d3adb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Last year, I met an American consulting firm that was helping a client who had decided to move to Portugal. This client had saved a lot of money and developed a good strategy for retirement in the US. But when they decided to move to Portugal, the company realised that they didn't have a solid understanding of how to make the transition effectively. And they were right: this client needed my help to redevelop every level of his retirement strategy.\u00a0<\/p><p>Most importantly, he and his former advisor worked diligently to identify all of his pain points honestly and efficiently with me. I did the necessary work and introduced him to a number of local resources that he used to deal with his immigration and other lifestyle challenges. In less than a year, he moved full time to live in Portugal and couldn't be happier. It's completely satisfying to be part of these relocation stories!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-95b896f elementor-widget elementor-widget-heading\" data-id=\"95b896f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">How do you keep up to date with changes in laws and regulations that affect Americans living in Portugal?<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-71eed79 elementor-widget elementor-widget-text-editor\" data-id=\"71eed79\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tI have established relationships with a wide range of legal and tax professionals and frequently consult them to update my understanding of the laws relevant to my clients. As we are actively connected with the system every day, I have developed a high level of understanding in the practical areas most relevant to me and my clients. I also read the business news daily in the US and Portugal and continue to read the tax code in my spare time. (Seriously! Not fun, but a necessary evil)\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ded5d7c elementor-widget elementor-widget-image\" data-id=\"ded5d7c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"667\" height=\"1000\" src=\"https:\/\/invest351.com\/wp-content\/uploads\/2023\/10\/Jonh-McNertney1.webp\" class=\"attachment-full size-full wp-image-5295\" alt=\"\" srcset=\"https:\/\/invest351.com\/wp-content\/uploads\/2023\/10\/Jonh-McNertney1.webp 667w, https:\/\/invest351.com\/wp-content\/uploads\/2023\/10\/Jonh-McNertney1-600x900.webp 600w, https:\/\/invest351.com\/wp-content\/uploads\/2023\/10\/Jonh-McNertney1-200x300.webp 200w, https:\/\/invest351.com\/wp-content\/uploads\/2023\/10\/Jonh-McNertney1-8x12.webp 8w\" sizes=\"(max-width: 667px) 100vw, 667px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8197cef elementor-widget elementor-widget-heading\" data-id=\"8197cef\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">What advice would you give to an American who is thinking of moving to Portugal, whether for work, retirement or business?<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ff908a2 elementor-widget elementor-widget-text-editor\" data-id=\"ff908a2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tBe honest with yourself and understand your reasons for doing so. This will help you identify and prioritise what you need to be happy throughout the process. Once you understand the underlying desires, you can create specific goals (for example, \"I need to move to a culturally sensitive medium-sized city with lots of English speakers. And I want to become a citizen in the shortest possible time...\")\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bb7bbff elementor-widget elementor-widget-heading\" data-id=\"bb7bbff\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Would you like to leave a message for stakeholders in the property investment industry?<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1553e9c elementor-widget elementor-widget-text-editor\" data-id=\"1553e9c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tMy mum used to say \"Make hay while the sun shines!\". The property field obviously goes through boom and bust cycles, so try not to get over-exuberant or greedy during the good times. And be prepared to keep enjoying your work even when things slow down. Be a professional and constantly educate yourself to be useful to your clients and maximise your personal effectiveness as a person and a professional!\"\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>I was born in Palo Alto, California, into a family of seven. We all knew that the Bay Area was changing during the early eighties, but nobody understood how central Silicon Valley could become in the future of technology and business.<\/p>","protected":false},"author":2,"featured_media":5332,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_joinchat":[],"footnotes":""},"categories":[17],"tags":[16],"class_list":["post-5290","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investing-talks","tag-invest-talks"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Investing Talks - John McNertney - Invest 351<\/title>\n<meta name=\"description\" content=\"investing talks jonh mcnertney - Nasci em Palo Alto, Calif\u00f3rnia, numa fam\u00edlia de 7 pessoas.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/invest351.com\/en\/investing-talks-john-mcnertney\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Investing Talks - John McNertney - Invest 351\" \/>\n<meta property=\"og:description\" content=\"investing talks jonh mcnertney - Nasci em Palo Alto, Calif\u00f3rnia, numa fam\u00edlia de 7 pessoas.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/invest351.com\/en\/investing-talks-john-mcnertney\/\" \/>\n<meta property=\"og:site_name\" content=\"Invest 351\" \/>\n<meta property=\"article:published_time\" content=\"2023-11-01T08:59:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-11-07T08:53:42+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/invest351.com\/wp-content\/uploads\/2023\/05\/daniel-sessler-g3O3xWspoN4-unsplash.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2400\" \/>\n\t<meta property=\"og:image:height\" content=\"1612\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Invest351\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:image\" content=\"https:\/\/invest351.com\/wp-content\/uploads\/2022\/07\/portonoite.png\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Invest351\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"10 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":[\"Article\",\"BlogPosting\"],\"@id\":\"https:\\\/\\\/invest351.com\\\/investing-talks-john-mcnertney\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/invest351.com\\\/investing-talks-john-mcnertney\\\/\"},\"author\":{\"name\":\"Invest351\",\"@id\":\"https:\\\/\\\/invest351.com\\\/#\\\/schema\\\/person\\\/b288eee7d3da6c235476eaa34320adb8\"},\"headline\":\"Investing Talks &#8211; 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