Podcasts about 46b

Shoot us a Text.Episode #1078: Today we're talking stormy shareholder meetings at Nissan, the EV factory tours drawing crowds in China, and the Gen Z men getting caught outsourcing their work to AI.Show Notes with links:Nissan's new CEO Ivan Espinosa faced intense scrutiny from investors at his first annual shareholders' meeting as he moves forward with a bold restructuring plan and ends Renault's board influence.Espinosa replaces ousted CEO Makoto Uchida, part of a March leadership overhaul aimed at reviving a struggling Nissan.Longtime partner Renault lost direct influence as its board reps, including Chairman Jean-Dominique Senard, were removed—marking a clear shift toward Nissan independence.Shareholders grilled Espinosa on governance, executive pay, and the automaker's U.S. and Japan strategy.Nissan plans to cut 20,000 jobs, shut 7 factories, and save ¥500B ($3.46B) by March 2028.It projects a ¥200B ($1.38B) Q1 loss, including ¥450B ($3B) in expected U.S. tariff hits.One attendee described the Q&A as “stormy,” saying Espinosa was “smooth and fluent… but equivocated without substance.”EV factory tours have become a cultural sensation in China, with tens of thousands scrambling each month for a glimpse behind the robotic curtain of brands like Xiaomi and Nio.Xiaomi Auto's factory receives over 27,000 applications per night for limited tour slots, offering racetrack test drives and now souvenirs.Nio drew 130,000 visitors last year; several other automakers are jumping on board.What began as three monthly tours at Xiaomi has expanded to weekday and weekend offerings for over 1,100 visitors.Visitors describe vast facilities with “only a handful of workers” as robots handle most of the labor.“It offers a chance to not only see the production line up close, but also experience the human side of the brand,” said analyst Freya Zhang.A new survey reveals that while AI boosts Gen Z productivity, a surprising number—especially men—are bending the rules by passing off AI work as their own.40% of Gen Z men admitted to submitting AI-generated work as their own; only 20% of women did the same.Nearly 1 in 3 Gen Z workers have knowingly broken company policy using AI and 30% say they've created fake work with AI to appear more productive.42% of Gen Z men say they worry AI could replace them at work—compared to just 33% of women.23% of men said they couldn't do their job without AI; only 14% of women felt that way.Eva Chan, career expert at Resume Genius, “The concern is workers start outsourcing not just tasks, but their judgment, confidence, and even their voice.”Join Paul J Daly and Kyle Mountsier every morning for the Automotive State of the Union podcast as they connect the dots across car dealerships, retail trends, emerging tech like AI, and cultural shifts—bringing clarity, speed, and people-first insight to automotive leaders navigating a rapidly changing industry.Get the Daily Push Back email at https://www.asotu.com/ JOIN the conversation on LinkedIn at: https://www.linkedin.com/company/asotu/

Joe's Premium Subscription: www.standardgrain.comGrain Markets and Other Stuff Links-Apple PodcastsSpotifyTikTokYouTubeFutures and options trading involves risk of loss and is not suitable for everyone.0:00 Biofuel Blockbuster4:06 Middle East and Crude5:59 US Weather and Market Impact9:40 The Funds10:31 Brazil Corn Harvest

Klarna, the Swedish fintech powerhouse, is going public on the NYSE (ticker: KLAR).This marks a major moment for the Buy Now, Pay Later (BNPL) space. This IPO will test whether investors believe BNPL is a smarter alternative to credit cards—or another form of subprime lending in disguise.A few years ago, Klarna was worth $46B in private markets. Now? It's eyeing a $15B-$20B valuation—a stark reminder of how fintech sentiment has shifted in a world of higher interest rates.7 Key Themes:1️⃣ Klarna is going public at a fraction of its peak valuation.2️⃣ AI-driven cost cutting (automated customer service, AI-powered CRM) is improving margins.3️⃣ Klarna's banking license is an advantage, but deposit growth is slowing.4️⃣ The US is now Klarna's largest market, but credit losses there are rising.5️⃣ Klarna is morphing into an advertising & payments platform (ads = 6% of revenue).6️⃣ Internal controls raise red flags (issues with user access, revenue recognition, and credit loss estimates).7️⃣ Insiders & VCs have already cashed out >$800M pre-IPO.Valuation Debate:

Join Pastor Rick for Sunday Worship: The Song of Faith. Referenced scripture passages of the day are: Luke 1 : 39-45 & Luke 1 : 46B-55.

Join Pastor Rick for Sunday Worship: The Song of Faith. Referenced scripture passages of the day are: Luke 1 : 39-45 & Luke 1 : 46B-55.

In this episode of the Pirate Pod, we sit down with Amir Sarhangi and Craig DeWitt from SkyFire, a payment network for AI agents to make autonomous transactions. The team sits down with Keli Callaghan as they announce their fundraise and what they plan to do as the main driver of a fundamental shift in how the internet and technology transacts. Having worked together previously (Ripple), Craig and Amir are well versed and knowledgeable in payments and talk at length about their new venture, SkyFire, which is building an entirely new category and envisions a world where transactions are initiated and executed by AI - not humans. This podcast covers: - Founders' stories of their journeys in Web3. - Recent fundraise announcement. - Current landscape (including the teams' estimated of a $46B market size) and why incumbents are unlikely to execute on this.- Initial adoption, use cases and how quickly things will change.- Developer enablement of the SkyFire network.- Why Skyfire is going to be the Visa or Stripe for AI (ie, non human) transactions.- What comes next, including how AI will be making requests to humans to do physical tasks.Disclaimer: The views discussed in this conversation are the views of the individuals, and not of Arrington Capital. This podcast is provided solely for informational purposes and is not financial, legal, tax or investment advice.The participants of this podcast are not recommending any particular security, protocol, token, financial instrument, or other tradable asset or any investment strategy and is not offering to sell or soliciting to buy any security or asset.

Episode 344: Neal and Toby chat about Elon Musk finally getting the votes from Tesla shareholders for his $46B pay package and moving the company to Texas. Then, two big Supreme Court decisions that could shape the future of unions and abortion medication. Also, ‘Inside Out 2' comes out and Disney Pixar is hoping this sequel will return its animation mojo after a string of duds. Plus, Apple is this week's stock of the week while Nathan's Hot Dogs is the dog of the week. Meanwhile, Wells Fargo fires employees after suspecting they're pretending to be at work with the help of a clever mouse device. Lastly, the Euro 2024 football tournament returns brings excitement across Europe while the host country, Germany, is making sure everybody plays nice.  Download the Yahoo Finance App (on the Play and App store) for real-time alerts on news and insights tailored to your portfolio and stock watchlists. Get your Morning Brew Daily Mug HERE: https://shop.morningbrew.com/products/morning-brew-daily-mug?utm_medium=youtube&utm_source=mbd&utm_campaign=mug Listen to Morning Brew Daily Here: https://link.chtbl.com/MBD Watch Morning Brew Daily Here: https://www.youtube.com/@MorningBrewDailyShow Learn more about your ad choices. Visit megaphone.fm/adchoices

Want to know more about a lucrative asset class in today's market? In this episode, we're featuring Tyler's business partner on the show, Jason Postill!This time, Jason highlights finding opportunities in the thriving mobile home park space, the criteria for choosing the right location for this asset class, and more from our mobile home expert today!Key Points & Relevant TopicsThings that changed Jason's perception about real estate investingHow Jason selected the investment market for his first dealSelf-managing mobile home parksWhat attracted Jason to choose the mobile home park despite its current status in the marketHow to create cash flow opportunities from mobile home parksFactors to consider when looking for the right market for mobile home parksThe freedom real estate could offer investorsThe importance of picking your lane, being good at it, and staying consistentResources & LinksThe ONE Thing by Gary Keller and Jay PapasanEpisode with Tyler Lekas: SA977 | Invest in Large Mobile Home Park Communities and DealsApartment Syndication Due Diligence Checklist for Passive InvestorAbout Jason PostillJason Postill got started in Real Estate after ending his professional baseball career in 2015 and joining a Publicly traded Real Estate investment firm that transacts $46B+ annually. Jason acquired assets and disposed of commercial properties in the multifamily and apartment sector for investors spread throughout various major U.S. metros.He then started a full-service commercial brokerage in 2019 specializing in multifamily throughout the Southeast before partnering up with Tyler and forming MHCI Group which is now the largest private owner of mobile home communities in Arkansas.Jason has a business-focused mindset, skilled in negotiating, and will be providing strategic planning, implementing company systems & operations. Some of Mr. Postill's direct responsibilities will include marketing operations, acquisitions, debt placement, & investor relations.Christian. Proud Father. NCAA National Champion. Professional Athlete. Majored in Business and Sports.Get in Touch with JasonWebsite: https://www.mhcigroup.com/ Email: jason@mhcigroup.com To Connect With UsPlease visit our website www.bonavestcapital.com and click here to leave a rating and written review!

- Dịp nghỉ lễ vừa rồi, Dự án thành phần cao tốc Cam Lâm – Vĩnh Hảo được khánh thành, Dự án thành phần cao tốc Diễn Châu – Bãi Vọt (đoạn từ Diễn Châu đến Quốc lộ 46B) được thông xe và đi vào khai thác. Như vậy, tiếp tục có hơn 100 km cao tốc hoàn thành, dần hiện thực hóa các mục tiêu phát triển hệ thống đường cao tốc, tạo đột phá hạ tầng giao thông. Các công trình giao thông hoàn thành,được đưa vào vận hành sớm ngày nào có ý nghĩa ngày ấy, có sức lan tỏa mạnh mẽ trong phát triển kinh tế địa phương, kinh tế vùng, kinh tế đất nước. BTV Ngọc Diệu có bình luận nhan đề: “Thênh thang đường lớn!”. Chủ đề : Thênh thang đường lớn --- Support this podcast: https://podcasters.spotify.com/pod/show/vov1sukien/support

- Thủ tướng Phạm Minh Chính kiểm tra, chỉ đạo công tác chống hạn tại Ninh Thuận.- Ninh Thuận trao quyết định phê duyệt chủ trương đầu tư, giấy chứng nhận, ký biên bản ghi nhớ đăng ký đầu tư triển khai 15 dự án, với tổng số vốn dự kiến hơn 135.000 tỷ đồng.- Khánh thành Dự án thành phần Cao tốc Cam Lâm - Vĩnh Hảo kết nối TP Hồ Chí Minh đi Nha Trang và Thông xe Dự án thành phần Diễn Châu - Bãi Vọt (đoạn từ Diễn Châu đến Quốc lộ 46B).- Công an bắt giữ đối tượng trốn truy nã 22 năm, hiện đang là giám đốc 3 công ty lớn tại tỉnh Đắc Nông.- Diễn đàn Kinh tế Thế giới khai mạc tại A-rập Xê-út với sự tham gia của hàng trăm nhà lãnh đạo và chuyên gia kinh tế nhằm tìm kiếm giải pháp cho những thách thức toàn cầu hiện nay.- Thư viện hạt giống- loại hình thư viện độc đáo ở Mỹ nhằm lan tỏa lối sống xanh trong cộng đồng. Chủ đề : Cao tốc Cam Lâm, Nắng nóng, cháy rừng --- Support this podcast: https://podcasters.spotify.com/pod/show/vov1thoisu0/support

US equity markets retreated, paring earlier steeper losses as investors digested the latest economic growth data and another swathe of major corporate earnings releases  - Dow fell -375-points or 0.98% (after slipping -43-points or 0.11% on Wednesday (24 April)). International Business Machines (IBM) Corp shed -8.25% after the hardware, software and consulting provider reported softer-than-expected first quarter revenue (up +1.5% year-on-year at US$14.46B versus consensus US$14.55B) after the close of the previous session and confirmed earlier media speculation in announcing that it was acquiring cloud software maker HashiCorp Inc (up +4.49% at US$32.82) in a deal with an enterprise value of US$6.4B (paying US$35 per share).

Today's Post - https://bahnsen.co/3TeiRcu A bit of a mixed day in markets with the Dow closing off its lows for the day down 96 points. The treasury raised $46B in seven year paper with a bid to cover ratio in the mid fifteens versus the thirteens where it has been (meaning there more buyers). I suppose if the big news in Asia today was a ‘hotter' inflation read at 2% in Japan with 10 year government bonds rising to their highest yield since 2011 at an eye popping .165%, its no wonder this auction near 4.32% cleared with more demand. Capital will always flow around the world where it is most rewarded and with attractive economic fundamentals and positive real yields, its why the US Dollar is nearing its 2020 pandemic apex and trading 17% above its historical average versus trading peers. Short term, this can make US exports more expensive which can slow growth, and also further trade imbalance as we already import more things then we export, but its a net positive long term. Tomorrows trade balance figures may reveal more there Links mentioned in this episode: TheDCToday.com DividendCafe.com TheBahnsenGroup.com

The Daily Business and Finance Show - Wednesday, 7 February 2024 We get our business and finance news from Seeking Alpha and you should too! Subscribe to Seeking Alpha Premium for more in-depth market news and help support this podcast. Free for 14-days! Please click here for more info: Subscribe to Seeking Alpha Premium News Today's headlines: Josh Brown trims Nvidia by 20% Buffett's Berkshire Hathaway snaps up more Occidental Petroleum stock Snap slides 30% as revenue shortfall overshadows user growth, profits Palantir's 'off the charts' success shows the AI revolution is here Enphase Energy Non-GAAP EPS of $0.54 misses by $0.01, revenue of $302.57M misses by $25.44M Disney, Warner Bros. Discovery, Fox to build joint sports streamer (updated) Ford Motor Non-GAAP EPS of $0.29 beats by $0.17, revenue of $46B 4- and 5-Star rated “Dividend Aristocrat” stocks for 2024 by CFRA Cannabis stocks rebound amid DEA rescheduling review Explanations from OpenAI ChatGPT API with proprietary prompts. This podcast provides information only and should not be construed as financial or business advice. This podcast is produced by Klassic Studios Learn more about your ad choices. Visit megaphone.fm/adchoices

After concluding his professional baseball career in 2015, Jason Postill transitioned into real estate, joining a publicly traded investment firm with a $46B+ annual transaction volume. Specializing in multifamily and apartments, he later founded a commercial brokerage in 2019 before partnering with Tyler. Jason now leads strategic planning, system implementation, and operations, overseeing key areas such as marketing, acquisitions, debt placement, and investor relations. Tyler Lekas began as a Financial Advisor, later transitioning to managing a hybrid book at Stifel Nicolaus. In 2017, he delved into acquiring and managing mobile home parks, purchasing his first in Florida in 2018. Together with Jason, Tyler has acquired 437 units and plans to secure an additional 600-800 units in the next 12-14 months. His responsibilities include overseeing property management, conducting inspections for new acquisitions, utilizing private utility expertise, and managing new/used home infills within each property. Here's some of the topics we covered:   Jason's Background In Baseball The Journey Into Real Estate How To Form A Great Partnership The Freedom That Comes From Doing Real Estate The First 68-site Mobile Home Park  The Challenges That Come From Mobile Home Parks When Lenders Don't Want To Lend Mobile Home Park Horror Stories Making Headlines & Receiving Horrible PR To find out more about partnering or investing in a multifamily deal: Text Partner to 72345 or email Partner@RodKhleif.com    Please Review and Subscribe  

ಮುತ್ತಿನ ಹಾರಗಳು, 46B, ಶಿರಡಿ ಅನುಭವಗಳು . KANNADA - ಕನ್ನಡ

Today, Tom is joined by Lisa Joy Rosner, an award winning, patented CMO with over two decades of experience launching and/or turning around enterprise software companies. Lisa brings a wealth of knowledge and experience to the show, having managed teams of 500+ and budgets of $300M with revenues of $46B. In her conversation with Tom, Lisa shares how she views the mobile app as a key tool in the future as brands aim to strengthen their customer loyalty, engagement, and relationships. Whether it be through adding new features such as AR/VR, implementing AI to better predict exactly when a customer will need a daily product restocked, or asking personalization questions after trust has been established.Additionally, Lisa and Tom discuss what exactly brands should focus on as the market continues to face uncertain times ahead. When the first instinct is typically to buckle down and operate as lean as possible, what's often overlooked is what will then happen once the storm is over and you need to restart your engines. —Guest BioLisa Joy Rosner is a metrics-driven leader with over 20 years of executive experience marketing big data and analytics solutions for public and start-up companies in Mar-Tech, Auto-Tech, IoT, Security, Big Data Analytics, and e-commerce.  Most recently the SVP Brand and Digital at Oracle, her teams included customer, sports, and industry marketing, as well as brand experience design, the website, keynotes, the sales portal, and global advertising.Previously, Lisa Joy served as CMO at Otonomo, launching an exciting new category in Autotech, and before that, led a major brand transformation at Neustar. Additionally, she was the CMO at NetBase (sold to Quid), MyBuys (sold to Magnetic), and BroadVision Inc.  An avid yogi and swimmer, Lisa Joy is an advisor to CrowdSmart and Quantifind and the mother of four energetic teenagers.—Guest Quote"We as brands, we're forming relationships with our consumers. Consumers are always willing to trade personalization for value, personalization for an experience, and so it goes back to that respect and trust." – Lisa Joy Rosner—Time Stamps *(01:10) Lisa's Background*(04:11) How the brand-consumer relationship has transformed via the mobile app*(08:17) Apps in everyday life*(12:26) The ways brands are experimenting with VR and AR*(14:32) Will consumers continue to give brands their data? *(19:53) Adding in-car features to your app*(24:16) How should brands operate during uncertain times?*(28:24) Rapid Fire Questions—LinksConnect with Lisa Joy Rosner on LinkedInConnect with Tom Butta on LinkedInCheck out the Airship Website

Black creators have been underrepresented in the arts throughout history. Filmmaker Nauzanin Knight and author/actor Jesse Lipscombe tell us how they're changing that. But first...we talk handshakes and healthcare with Eric Denhoff. 1:50 | Did Premier Danielle Smith intentionally snub the Prime Minister this week? Eric Denhoff's seen it all as a former chief federal negotiator, and longtime deputy minister in BC and Alberta. He tells us what he makes of The Handshake, and how it landed in different ways across the country. Plus, will $46B from the feds fix healthcare? Eric brings the Real Talk. 36:20 | Nauzanin Knight and Jesse Lipscombe didn't see themselves represented in film, television, or books growing up. The filmmakers and creators form our Real Talk Round Table presented by Urban Timber, in celebration of Black History Month. They didn't know each other before their paths crossed on Real Talk. The bond created over a half hour is truly something to see!  CHECK OUT NAUZANIN'S WORK: https://www.1844studios.com/ ORDER JESSE'S NEW BOOK: https://books.friesenpress.com/store/title/119734000283142673/Jesse-Lipscombe-Jars CHECK OUT JESSE'S "NOT THAT FUNNY" GAME: https://notthatfunny.store/ 1:10:45 | We had SO much fun at last night's Real Talk Bourbon launch! Thanks to all the Real Talk Patreon supporters that joined us at Whisky Drop for an exclusive sit-down tasting. Ryan shows off a few photos from the big night. ORDER YOUR BOTTLE, DELIVERED TO YOUR DOOR: https://www.whiskydrop.ca/products/real-talk-cask-2-broken-barrel?_pos=1&_sid=2ed7b7297&_ss=r 1:12:40 | Larry's sick of sex selling, Patty's got a new definition for MAID, Brad's got his blowtorch ready re: orphan wells, and Marshall's mortified about The Handshake. Presented by our friends at Local Environmental Services, it's a high-octane edition of Trash Talk!  KEEP IT LOCAL: https://localenvironmental.ca/ EMAIL THE SHOW: talk@ryanjespersen.com  WEBSITE: https://ryanjespersen.com/ TWITTER: https://twitter.com/RealTalkRJ INSTAGRAM: https://www.instagram.com/RealTalkRJ/ TIKTOK: https://www.tiktok.com/@realtalkrj

The federal government is promising to increase health-care funding to provinces and territories by more than $196B over 10 years, but only $46B of that is new money, and well below what the premieres had been asking for.

Wondrous Joy A sermon preached by Ginger E. Gaines-Cirelli at Foundry UMC December 11th, 2022. "Wonder: Advent At Foundry" sermon series.         Text: LUKE 1:46B-55 https://foundryumc.org/archive

Luke 1:26-38, 46B-55 and Isaiah 35:1-4 with Pastor Michael Fischer

1) Rail Strike Averted which would have hurt the economy. 24% wage increase over 5 years 2) Gov. Ron DeSantis flies illegals to Martha's vineyard which is in a sanctuary state to counter Biden's Open Border Policies. 2A) VP Kamala Harris blatantly lies about the border being secure 3) Democrats celebrate the Inflation Enhancement Act while the stock market plunges. Vulnerable Democrats avoid the scene and do not comment. 4) IMF International Monetary Fund admits it got Inflation forecast wrong on a global basis. 5) Mortgage Rates go over 6% for the first time since 2008 5B) 1 in 5 people are now buying groceries with buy now pay later plans. $46B this year versus $15B last year. 6) Biden wastes $4M flying to Delaware to vote instead of mailing in his ballot. 7) Fetterman's health becomes an issue in PA senate race - We'll explain what the Washington Post and WSJ said 8) 25 year old Karoline Leavitt wins primary in New Hampshire. She is a solid Conservative outsider. $5.0M spent trying to defeat her. Schumer says Democrats are poised to lose the house. 9) Former Secretary of State and CIA Director Mike Pompeo teases 2024 run. We support him! 10) Crime - Two 20 year old murderers were released on minimal bail in Harris County (Houston). The result, they committed another murder of a law enforcement officer. This INSANITY has to stop. Democratic policies are killing people all across the country 11) A Russian informant was paid by the FBI in the fake Steel Dossier case in the fake Russian collusion hoax. It never ends. We are experiencing a totalitarian experience. Mike Lindell, a private citizen has his cell phone confiscated. 12) Is Russia on the verge of a strategic defeat in Ukraine?

Jump in with Carlos Juico and Gavin Ruta on episode 91 of Jumpers Jump. This episode we discuss: Helping your friends out of toxic relationships, Carlos' aunt's ghost stories, Project Serpo, real men in black, organism 46B in Antarctica, chamber inside Mount Rushmore, Malaysian Ghost Story, new hex city, Justin Beiber is a reptile, real paranormal stories, and much more! FREE travel packs with your first purchase. At athleticgreens.com/JUMPERS As a listener of this podcast, you'll get $100 off of your first month at Talkspace.com Just use the code JUMPERS Follow the podcast: @JumpersPodcast Follow Carlos: @CarlosJuico Follow Gavin: @GavinRutaa Check out the podcast on YouTube: https://bit.ly/JumpersJumpYT Learn more about your ad choices. Visit podcastchoices.com/adchoices

US equity markets advanced on the first day of the third quarter ahead of the 4 July holiday long weekend, with both the S&P500 and Nasdaq snapping a four-session losing streak - Dow rose +322-points or +1.05%. The broader S&P500 gained +1.06%, with Utilities (up +2.48%) leading all eleven primary sectors higher. General Motors Co rose +1.35% despite the automaker warning of a second-quarter earnings shortfall, as vehicle wholesale volumes were hurt by the timing of semiconductor shipments and other supply chain disruptions. GM expects net income for the quarter to 30 June to be between US$1.6B and US$1.9B, well below current consensus analyst forecasts of US$2.46B. However, the company affirmed its full-year outlook (for net income of US$9.6B to US$11.2B) as the supply disruptions are expected to be temporary. The Nasdaq +0.9%. Meta Platforms Inc closed down -0.76% following news that it's cutting its hiring plans for engineers as it prepares for a potential downturn. Chief Executive Officer (CEO) Mark Zuckerberg said “one of the worst downturns we've seen in recent history” is ahead, according to a recording heard by Reuters. Tesla Inc (up +1.24%) disclosed on Saturday (2 July) that sales of cars and SUVs fell -18% in the second quarter to 254,695 (versus consensus expectations for 256,250), snapping a two year streak of gains and marking their lowest quarterly level since last the third quarter of 2021 as supply-chain issues and pandemic restrictions in China hobbled production of its electric vehicles. Tesla delivered 310,048 vehicles in the first quarter of 2022 and 201,250 vehicles in the second quarter of 2021. Tesla is slated to release its second quarter result on 20 July. Micron Technology Inc fell -2.95% after the chipmaker provided a weak fourth quarter outlook after the closing bell of last Thursday's (30 June) session. The small capitalisation Russell 2000 lost -0.49%. Retailer Kohl's Corp slumped -19.63% after confirming a CNBC report that it had ceased talks with Franchise Group, saying that the retail environment has worsened since bidding began. Kohl's also cut its outlook for the current quarter. US equity and bond markets are CLOSED tonight AEST for the Independence Day holiday.

US equity markets advanced on the first day of the third quarter ahead of the 4 July holiday long weekend, with both the S&P500 and Nasdaq snapping a four-session losing streak - Dow rose +322-points or +1.05%. The broader S&P500 gained +1.06%, with Utilities (up +2.48%) leading all eleven primary sectors higher. General Motors Co rose +1.35% despite the automaker warning of a second-quarter earnings shortfall, as vehicle wholesale volumes were hurt by the timing of semiconductor shipments and other supply chain disruptions. GM expects net income for the quarter to 30 June to be between US$1.6B and US$1.9B, well below current consensus analyst forecasts of US$2.46B. However, the company affirmed its full-year outlook (for net income of US$9.6B to US$11.2B) as the supply disruptions are expected to be temporary. The Nasdaq +0.9%. Meta Platforms Inc closed down -0.76% following news that it's cutting its hiring plans for engineers as it prepares for a potential downturn. Chief Executive Officer (CEO) Mark Zuckerberg said “one of the worst downturns we've seen in recent history” is ahead, according to a recording heard by Reuters. Tesla Inc (up +1.24%) disclosed on Saturday (2 July) that sales of cars and SUVs fell -18% in the second quarter to 254,695 (versus consensus expectations for 256,250), snapping a two year streak of gains and marking their lowest quarterly level since last the third quarter of 2021 as supply-chain issues and pandemic restrictions in China hobbled production of its electric vehicles. Tesla delivered 310,048 vehicles in the first quarter of 2022 and 201,250 vehicles in the second quarter of 2021. Tesla is slated to release its second quarter result on 20 July. Micron Technology Inc fell -2.95% after the chipmaker provided a weak fourth quarter outlook after the closing bell of last Thursday's (30 June) session. The small capitalisation Russell 2000 lost -0.49%. Retailer Kohl's Corp slumped -19.63% after confirming a CNBC report that it had ceased talks with Franchise Group, saying that the retail environment has worsened since bidding began. Kohl's also cut its outlook for the current quarter. US equity and bond markets are CLOSED tonight AEST for the Independence Day holiday.

Starts last line or 46B

This episode of The Money Movement was previously published on 4th February 2021 and that it is being republished on 20th January 2022. As of 20th January 2022, USDC has $46B in circulation. DeFi markets have exploded over the last 12 months, fueled by innovations in borrowing and lending protocols, widely accessible stablecoins, and new forms of capital markets entirely mediated by open source protocols and software on public blockchains. One of the most innovative and high-growth players in the DeFi space is Aave, who today is the 2nd largest DeFi protocol with nearly $4B of value locked in the protocol.  The entire space has grown from just around $1B in early 2020 to nearly $30B today. This week we're joined by Aave Founder Stani Kulechov (https://twitter.com/StaniKulechov), where we're going to explore the founding and growth of Aave, and the profound long-term implications of decentralized markets infrastructure on the future of how people and businesses everywhere access and use capital.

This episode of The Money Movement was previously published on 4th February 2021 and that it is being republished on 20th January 2022. As of 20th January 2022, USDC has $46B in circulation. DeFi markets have exploded over the last 12 months, fueled by innovations in borrowing and lending protocols, widely accessible stablecoins, and new forms of capital markets entirely mediated by open source protocols and software on public blockchains. One of the most innovative and high-growth players in the DeFi space is Aave, who today is the 2nd largest DeFi protocol with nearly $4B of value locked in the protocol.  The entire space has grown from just around $1B in early 2020 to nearly $30B today. This week we're joined by Aave Founder Stani Kulechov (https://twitter.com/StaniKulechov), where we're going to explore the founding and growth of Aave, and the profound long-term implications of decentralized markets infrastructure on the future of how people and businesses everywhere access and use capital. About the show The global economy is experiencing unprecedented challenges and change. Business leaders everywhere are grappling with how to transform their companies to become more digital, resilient and efficient. As we face this change, a new global movement is building around the promise of digital currencies and blockchains — forming a new architecture for the global economy and creating new opportunities for companies everywhere. The Money Movement explores and chronicles the issues and ideas driving this brave new world of digital money.   The Money Movement is brought to you by Circle. Our mission is to raise global economic prosperity through programmable internet commerce. Learn more about Circle Business Accounts and Platform APIs at circle.com.

Hey friends! My wife and I recently drove out for a beach weekend to celebrate my birthday. It was great to hear the crashing waves and feel the sand beneath my feet. I like to watch the sunrise on my birthday. I start the day with gratitude then I reflect on my purpose and aspirations. Recently, more than one friend remarked that crypto felt like a solution looking for a problem. They basically said crypto serves no purpose. I disagreed. What starts off looking like a toy can become big business (ex cellphones, internet, Facebook). I submit that it’s still early days but crypto is already solving real world problems today. This week, I will highlight a couple of them. Ruminations1. Store of valueProblemDuring my freshman year at the University of Texas, $1 was equal to N130. My family lived in Nigeria, my parents were exchanging their hard-earned naira for US dollars so I could pursue our dreams. Since then, it has gotten much worse. In Jan 2015, $1 was N200 but by Jan 2017, $1 was N500. Within 2 years, the effective cost had increased by 2.5x! A $10,000 tuition bill which was equivalent to N2M in 2015 was suddenly N5M in 2017. No one’s income went up by 2.5x in just 2 years. The devaluation of the naira has wrought untold pain on Nigerian families and businesses.SolutionInflation and devaluation are the evil twins robbing hard-working people of their purchasing power. One solution is to save in more stable assets such as US dollars. However, access to US dollars is restricted in some countries. Startups like Xend in Nigeria and Reserve in Latin America enable families to preserve their purchasing power by saving in dollar-backed stablecoins. One challenge with stablecoin deposits is that unlike banks, deposits are not all insured. Thus if the provider failed, customers could lose their savings. Please do your own research and consider using a portfolio strategy of spreading stablecoin deposits across a range of providers. 2. Instant cross-border paymentsProblemMy family is spread across 3 continents: North America, Europe and Africa. I often move funds across the regions for gifts, donations or investments. It’s a pain! The three biggest pain points are: cost, friction, and speed. Cost: According to the World Bank, the average fees to send money to Africa is 8.3% (2020) - the highest in the world. I have previously touched on this here. Every dollar that goes to fees, could have gone to more productive uses like the education charity I recently founded. In 2020, we spent $46B fees on global cross-border payments. What if we could significantly reduce that? SolutionI have tested out crypto solutions that enable instant, free-to-low cost cross-border payments. I have used the Bitcoin Lightning Network and stablecoins. These technologies clearly outperform some existing solutions like international wires. Recently, Meta (formerly known as Facebook) launched their Novi wallet. This digital wallet uses stablecoins to enable FREE cross-border payments. In the future, the wallet will be integrated into WhatsApp, Facebook, Instagram reaching Meta’s 2.8 billion monthly active users. The Novi system would dwarf PayPal and CashApp’s reach. 3. Play-to-earn games ProblemMillions of people in The Philippines lost their jobs as the pandemic slowed down the economy. Unemployment amongst millennials reportedly shot up to 30% in some regions. SolutionI recently watched the 18-minute documentary about the rise of play-to-earn in The Philippines. Check it out. In Cabanatuan City, locals started playing Axie Infinity, a video game where players earn rewards that can be exchanged for money. Everyone from 70-year old shopkeepers to out-of-work professionals seemed to be diving in. Locals earn up to $500 a month, about twice the minimum wage in Phillippines.Axie Infinity is a trading and battling strategy game. Users purchase creatures called Axies, which are digitized NFTs. Players can collect, breed, raise, battle, and trade them. The game allows users to cash out their tokens into local currency. There are 3 things you need to start playing today: a smart phone, high speed internet, and funds to buy Axies. Over the past year, the cost of acquiring Axies has increased beyond $500, now out of reach of many Filipinos. The gaming community rallied and developed scholarship programs where Axies can be rented out in a revenue-sharing model. To be clear, I don’t think this game is the one solution to world poverty. But I love how it gives people an opportunity to improve their lives. I love how gaming reaches people who would otherwise not explore crypto. I am now wondering if Nigeria could see a big boom in play-to-earn gaming. Nigeria has over 200 million people but 62% are under the age of 25 33% are unemployed 70% have access to the internetFeels like a recipe for growth!News1. El Salvador to build Bitcoin CityEl Salvador will build a modern carbon neutral city with NO income, property, capital gains or payroll taxes; there will only be 10% sales tax The country is issuing a 10-year $1B bond with 6.5% yield. $500M will be used to build volcano geothermal energy, bitcoin mining facilities a infrastructure for the city. The other $500M will be used to buy more bitcoin but it will be locked up for 5-year periodBold moves. El Salvador is a poor country aiming to be the Singapore of Latin America. Locals have raised questions about whether the president is over-reaching. I don’t know enough to have an opinion on this but I’m sensitive to dictatorial tendencies given my experience growing up in Nigeria.2. Advertising making crypto ubiquitous Crypto.com recently unveiled a $100M global advertising campaign spearheaded by Matt Damon and featuring one of my favorite quotes “fortune favors the brave”. They also bought 20-year naming rights to the storied Staples Arena where LA Lakers play. FTX has been heavily investing in sports advertising. In basketball, they have the naming rights to the Miami Heats. In football, they have taken out ads for the Super Bowl 2022. In baseball, they run a ton of ads during the World Series. In formula 1, they sponsor the Mercedes team.All these investments are making crypto ubiquitous. But are they working? I think it’s great for name recognition but I dunno if the uptick in customers will cover the costs. Also, is the stadium sponsor curse dead? Between 2001 and 2003, 11 companies sponsoring sports stadia filed for bankruptcy. 3. CitiBank to hire 100 cryptoCitiBank plans to hire 100 in their blockchain and digital assets divisionYet another bank investing in a crypto team. However, a segment of crypto folk are very pro-decentralization and not big fans of banks. We are in a tight labor market and there is a war for crypto talent. Will Citi be able to get the talent they want?That’s all this week. Thanks for sticking with me. I hope you have a wonderful Thanksgiving. Best,Afo This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit afolabio.substack.com

 Dr. Rasmus addresses the state of working class America this labor day 2021. Creeping austerity is the defining term, as unemployment benefits are being cut, rent assistance not distributed & rent moratorium ending, job creation rapidly falling off by late summer in today's Labor Dept. jobs report, child care payments due to expire in December, student loan forbearance in January, and no new stimulus on the horizon. Rasmus cites the 11.2m losing unemployment benefits and debunks the Republican argument with data that workers aren't returning to work because of too generous unemployment benefits. The real reasons why many aren't returning to work are noted. Why landlords are scuttling $46B rent assistance while the Federal Reserve continues $120/B every month in free money to bankers and investors. Dr. Rasmus then dissects today's Labor Dept. jobs report for August and explains why only 235,000 jobs were ‘created' last month after 750,000 a month on average in the previous 3 months.  Why the unemployment rate is at least double the official 5.2%. Why the actual employed numbers (not manipulated via seasonal adjustment) in August showed a decline in actual total employment by -364,000. Why the media and politicians always ‘cherry pick' the most optimistic statistic from the monthly job reports and ignore other contrary data in the same reports.

NetApp's (NTAP) 1Q revenue came in at $1.46B versus an estimated $1.44B, and is one of George Tsilis' overlooked stocks. The next overlooked stock is Williams-Sonoma (WSM) whose 2Q revenues grew 30.7%. Finally, Ulta Beauty (ULTA), who raises FY21 guidance and sees 44 net new stores. Tune in to find out more.

On the Monday episode of Fired up, the discussion will cover what might be the outcome from 375K people attending the Sturgis Motorcycle rally as we detail the covid updates. The population report from the 2020 Census has some groups of white people concerned that a shrink of their population by some 9M people combined with a growth surge in minority sectors is a harbinger of doom for with people's power in this country. We review the latest efforts by Republicans to push forward with redistricting efforts in Red states along with the on-gping voter disenfranchisement efforts still moving forward. How can those most affected fight back? New intraparty fractures in the Democratic party sets the stage for a return to DC gridlock and endangers Bidens agenda. And we re-visit the freeze on the repeal of the CDC eviction moratorium and a call to action on getting state legislatures to start distributing more than $46B set aside back in March to aid tenants and landlords.

सत्संग_46B (स्वामी श्रीशरणानंदजी की वाणी में)

Türk Telekom International İş Geliştirme ve Planlama Direktörü  Alper Güzel, telekomünikasyon ve büyük verinin önemini vurguluyor.Alper Güzel: "Türkiye kıtalar arası büyük bir veri kavşağı haline geldi. Gelecek veride. Bu sebeple veriyi yönetmek en önemlisi kendi verimizi kendimiz üretip kendimiz kullanmamız büyük önem taşıyor."0:42Telekomünikasyon alanındaki teknoloji trendleri2:08Verinin yolculuğu2:45Rakamlarla telekomünikasyon3:05Veri ihracatı3:43Kendine yeten bir Türkiye4:27Kıtalar arası veri kavşağı5:53“Veri trafiğini ülkemizde topluyoruz”6:46Büyük veriyi elinde tutan büyük oyuncular8:02“Dijital hub olmak önemli”9:40Veri taşıyan kamyon şoförü11:02"Eskiden video izlerken veriler önce Frankfurt'a gidiyordu"12:01Tüm cadde ve sokaklarda fiber internet olacak mı?13:14Evinizdeki beyaz eşyalar sizlerle konuşacak13:523 aşağı 5 yukarı: 3G'den 5G'ye15:37Gelecek veride17:52Veri madeni18:51Whatsapp'dan Telegram'a kavimler göçü19:30"Ürün sizsiniz"20:02“Instagram için 30 dakikasınız”22:37"Kendi verimizi kendimiz üretip kendimiz kullanmalıyız"23:11Verilerimiz nasıl kullanılıyor?26:00“Dijital hub olmakla yol geçen hanı olmak arasındaki farklar”26:40"Veri bir bıçak"28:57 “Eğer yerli oluşumlar kurmazsak kriz anında kaçacak yerimiz kalmaz”

WeWork, Google, and Microsoft are all investing in the Second Coming of Zoom: Holograms. Chipotle's jacking up prices on your burrito bowl, but doing something no one else is: Elevating the Burrito, too. And Klarna hit a $46B valuation because it's TikTokified the credit card. $GOOGL $ART $AFRM $CMG Got a SnackFact? Tweet it @RobinhoodSnacks @JackKramer @NickOfNewYork Want a shoutout on the pod? Fill out this form: https://forms.gle/KhUAo31xmkSdeynD9 Got a SnackFact for the pod? We got a form for that too: https://docs.google.com/forms/d/e/1FAIpQLSe64VKtvMNDPGSncHDRF07W34cPMDO3N8Y4DpmNP_kweC58tw/viewform Learn more about your ad choices. Visit podcastchoices.com/adchoices

Establishing an allowance for your kiddos has the potential to reduce whining and begging at the store, as well as cultivate responsibility, healthy spending habits, and self-esteem. This episode also covers other sources of income like chores, grades, and gift money. [music credit: bigmanjoe] (If you are interested in the optional Kids Activity, see previous episode #46B.) 

Mayday! Mayday! We have a situation. Crypto continues to move at the speed of light. Also, it’s May already! There’s still time to hit the gym to get that summer bod. Get it.This week, a lot of the developments point to the continued maturation of the sector. Obviously, there is still a long way to go but let’s celebrate the progress. In the explore section we introduce a set-up that enables you to earn bitcoin while taking a hot shower. Intrigued? Let’s go.News1. Galaxy Digital buys BitGo for $1.2BGalaxy Digital and BitGo may not be familiar names. BitGo stores digital currencies for companies like Nexo. Galaxy is focused on institutions too. Lately, I have been thinking about consolidation in the crypto space. There are more than 14,000 banks in the US but the top 3 account for 30% of all deposits. I expect a cluster of large diversified digital currency companies will emerge and consolidate. Galaxy is on that list. It’s rumored to be going public later this year.2. NYDIG and FIS partner to enable banks support cryptoBravo! This was a smart move. FIS is a leading provider of bank technology systems. NYDIG enables institutions to buy, sell and hold crypto. I love this partnership because most banks are incredibly risk averse. This union brings credibility and helps ease the process for banks to support crypto. I expect NYDIG will partner with other technology providers. Additionally, its competitors like Paxos and Anchorage could do the same. It’s gonna heat up!3. US Bank enables customers to buy, sell and hold cryptoI was impressed to learn that US Bank established its Blockchain & Digital Currency Practice in 2015 when Bitcoin was $200. Billions of dollars are flowing out of bank accounts to Coinbase and friends. Those dollars are not coming back. This is a threat to bank’s business model. I expect more banks to offer these services, especially given the FIS and NYDIG news. Crypto exchanges should brace themselves for increased competition. 4. Visa partners with Tala to give the underbanked access to USDCTala is serving the global underbanked. It allows anyone with a smartphone to apply for a loan without credit history and receive a decision in minutes.Tala will now issue Visa payment cards linked to its digital wallets. Its customers will be able to spend USDC at more than 70 million merchants worldwide. I love the mission of Tala. 3 billion people are underbanked. Some of them are in my extended family. I think this partnership could help support remittances and other use cases. I’m rooting for y’all! 5. Grayscale sponsors NFL’s GiantsRecently, FTX won the naming rights to the Miami Heat arena. Now crypto has come to football. These sponsorships send a clear message: crypto is here to stay. Grayscale is the world’s largest digital asset manager with $46B under management. It’s based in New York, it’s fitting to sponsor the home town team. This got me thinking, if I struck it big, what team would I sponsor. Right now, it would be the Houston Rockets. The name was just made for skyrocketing crypto. Plus, Houston is where I got my first job after college there and I still have lots of friends and family there. Can you imagine the Ogunnaike Arena? Hahaha! ExploreDid you know your water heater could produce bitcoin?Ok…that is not technically true. It’s more the other way round, your bitcoin miner could heat water for all your domestic needs. Wise Mining provides a set-up to do that! Bitcoin mining is the use of powerful computers to solve hard problems that yield bitcoin. It produces a lot of heat. This waste heat can be captured and recycled to heat water and reduce your energy consumption. This might make sense if you were already planning to mine. However, if you weren’t planning to do that, beware that mining is energy intensive. Prepare for your electric bill to rise but it could be profitable over the medium term. Question of the weekWhat are your thoughts on dogecoin?First of all, I am not an investment professional nor do I provide investment advice. My friend’s friend bought $200 of dogecoin in 2018 and it’s now worth about $40k! Remind me, what was I doing in 2018?! What are your goals? Traders make money from volatility. It almost doesn’t matter what commodity it is. If it moves, they are happy to trade it and make a quick buck. Long-term investors study the fundamentals to understand if it solves a real-world problem. If it does, they then consider if the price is fair. I’m gonna guess that you are the latter. Do your own research and remember don’t invest anything you are not prepared to lose. Personally, I have zero dogecoin. Good luck! This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit afolabio.substack.com

Last month PepsiCo (#PEP) announced their Q4 earnings and beat analyst expectations! The company reported Non-GAAP EPS of $1.47 (beat by $0.01) and revenue of $22.46B (+8.8% Y/Y). Shares of #Pepsi are currently trading at $133, which are down from high's of $148 (-10.6%). Total net incomes for the year of 2020 were down in comparison to 2019, but quarterly earnings are coming back strong which does signal strength going into 2021. Should investors buy the dip in Pepsi shares?

Bhavana Bartholf is the Chief Transformation Officer for Microsoft USA, a $46B business with 9800+ people.  She is recognized as a transformational leader, innovative technologist, STEM advocate and ally for women and racial/ethnical minorities (REM). She has a strong proven track record for growing female/REM workforce while promoting diversity and inclusion.  Bhavana is dedicated to fostering positive, transparent, and collaborative work environments. In this episode, Bhavana Bartholf and Ron Lovett discuss the following 4 topics: How Microsoft’s Culture was transformed from “know it all” to “learn it all” The importance of defining a culture Empathy + vulnerability = bravery Key steps to any organizational culture transformation or change management

Elaine graduated from college and couldn’t find a job, and was living at home and working part-time. The bus stop was by a recruiter’s office and she decided to join the Army. The recruiter dangled a bonus and an early start day for her career and she took it instead of waiting to be a 46B Public Army Broadcast. Instead, she enlisted as a Morse Code Interceptor.Shift workHer first assignment was in Hawaii. She enjoyed the location but was on a continual shift of rotations for her duty, days, mids, nights. It was tough on her body and mentally challenging. She didn’t enjoy doing morse code and had the opportunity to go to language school in San Francisco and learned Russian. By the time she completed her training she was married, pregnant, and had 9 months left on her active duty service commitment. She finished out her time and then she and her husband relocated to Illinois.She and her husband served in the Reserves.When signed up to serve in the Reserves she wanted to switch to be a 46B. And so she was able to switch career fields and enjoyed her career field. She deployed two times before 9/11 once to Guantanamo and then to Bosnia. But she went all over the globe for shorter missions. Because she was a homemaker it made it possible to go on the different assignments required by the Reserves.She switched to the National Guard in 2000 and switch career fields to be an interrogator. In 2004, she was deployed to Afghanistan. Because it was early in the war she was able to travel to many different places in Afghanistan and really enjoyed her time serving in Afghanistan.Leaving the militaryIn 2008, she decided to leave the military, and in the middle of a recession tried to find a job. She was also in the middle of a divorce and struggled. Even with a master's degree and her veteran status, she couldn’t find work. Eventually, she got a GS-5 job as a secretary with the IRS. This job was an open door and she found her footing.Today she works for the VA and recently moved from Chicago to Los Angeles so that she could follow her passion of being a TV writer. Her short stories and essays have been published in “Tupelo Quarterly,” “The Bryant Literary Review,” ”37th Parallel,” the anthology, “Powder: Writing by Women in the Ranks from Vietnam to Iraq” and many others. She won the Celia Baker Scholarship to the Longleaf Writer’s Conference in 2018.She was an Austin Screenwriting Festival second-rounder in 2019 and 2020 and participated in the Writers Guild of America West, WGA, Veterans Writing Workshop in 2015. Elaine has also worked as a production assistant and assistant director on several short films, and as a contributor to the Rivendell theater production of “Women at War.” She is currently collaborating with a composer to write a short musical for the upcoming NewMusicalsInc (NMI) musical web series, “How Proudly We Hail.”Connect with Elaine:Website coming soonMentioned in this episode:https://nmi.org/Afghanistan through PicturesRelated Episodes:When Public Affairs Changed – Episode 67Switching Careers in the US Navy – Episode 76Being Counterintelligence in the Army – Episode 53Check out the full transcript here.  Thank you to my Patreon Sponsor Col Level and above:Kevin Barba, Adriana KeefeThank you Patreon members for your support. Want early access to episodes, ad-free content, and one on one mentorship advice? Become a Patreon member today! Click here.    

On today’s show we’re talking about the work from home trend that the pandemic seems to have amplified. Long before the pandemic, the warning signs were there in many industries. On today’s show we’re going to take a closer look at one company that was formed purely with the assumption of zero bricks and mortar locations for the entire company. This company was newly formed EXP Realty, now a public company that has nearly 40,000 agents in the company. The company was formed in 2009 and has been slowly quietly building to create a breakout transformation of the industry. If you consider that each employee in a traditional company would allocate anywhere between 200-300 square feet per employee, the annual cost of office space at $30 per square foot gross is about $6,000 per employee. For the company with 40,000 employees that amounts to a cost saving of 240 million dollars a year. That’s a real saving of hard cash that can better be put toward creating a more competitive company. The fact is, almost every real estate broker or agent has a home office, or at times a mobile office. What they need are strong systems. They need to be in the field with their clients. The incredible part of their story is that they have been able to scale much more quickly than most other companies. The effort to onboard a single employee is much greater when they need to have a physical space, a physical desk. The company is growing fast. Last year, the company grew from 500M in 2018, to 980M in 2019, and 1.46B in 2020. Imagine if the company had a bricks and mortar footprint, would they have achieved the growth in 2020 in the middle of a pandemic? The point of this episode is to highlight a business that is all about real estate, that has zero real estate. Think about it. That’s a pretty strong contradiction in terms for some. It might be ironic for others. But they own no real estate. This is not something that just happens. In order for a company to grow to 40,000 strong requires strong systems. It’s a little like the McDonalds philosophy. When Ray Kroc bought the original McDonalds locations from the McDonalds brothers, he didn’t focus on making a better hamburger. He focused on the systems and processes that would allow the business to scale. The systems would have to be strong enough to allow a Big Mac to taste the same in Tokyo or Tasmania, in Santiago or San Francisco. That means an emphasis on training and onboarding of new staff, on having systems for routine transactions, and more importantly for having systems for managing exceptions. After all, why do we need physical offices? Some would say that physical proximity is needed for training. Well, that’s not strictly true. Some would say that you need to be able to walk down the hall and ask the boss a question when you have a problem. That’s not true either. You need a place to store all your physical files for security. Well, yes you do, but nothing says the file storage has to be centralized. If you have a system of electronic records storage, that data center is going to be internet connected anyway. Real Estate as a business is hyper local. Being an agent or a broker in a particular area is hyper local. But operating a brokerage is geography independent. You need to localize certain forms to comply with local regulations, but the steps involved in a transaction are the same. So the question remains, how many other industries can be virtualized? Does a law office need to have a physical office?

http://traffic.libsyn.com/radiohealthjournal/RHJ_19-46B.mp3 HIV/AIDS was once an epidemic and a death sentence. But many Americans are too young to remember that, so HIV awareness has faded. One of the nation’s top HIV experts discusses HIV as a treatable, chronic illness and the need to still be vigilant—and be tested. Guests: Dr. Laura Cheever, Assoc. Administrator, HIV/AIDS Bureau, US Health Resources and Services Administration

My guest this week is Eric Sorensen, the CEO of Panagora asset management, which manages more than $46B for clients across a variety of strategies. Eric began his career serving in the Air Force as both a pilot and instructor in high-performance jet aircraft. He then accumulated 40 years of quantitative research and investment experience, with a Ph.D. along the way. Please enjoy our conversation on the changing landscape of quantitative investment strategies. For more episodes go to InvestorFieldGuide.com/podcast. Sign up for the book club, where you’ll get a full investor curriculum and then 3-4 suggestions every month at InvestorFieldGuide.com/bookclub. Follow Patrick on Twitter at @patrick_oshag   Show Notes 1:15 - (First Question) – His background in the Air Force             1:23 – Boyd: The Fighter Pilot Who Changed the Art of War 3:18 – Training people on high-performance machines 4:47 – Traits that made for better pilots 5:51 – The evolution of quantitative equity research and its stages 7:56 – How his research led to becoming a practitioner 9:10 - The early feature sets in his research 10:44 – Tradeoffs in the spectrum of interpretability 12:08 – Early days of his practitioner career 13:24 – Risk Premia and the 5 C’s 14:28 – Quantitative Equity Portfolio Management: Modern Techniques and Applications 17:13 – Applying the 5 C’s to value investing 18:38 – Knowing when a strategy/signal is broken 21:24 – What does this strategy plan mean for his firm today 24:56 – Mixing expert systems and portfolio construction 30:07 – Natural language processing 32:00 – The cultivating the power and creativity to ask good questions 35:13 – The concept of a research graveyard 37:45 – State of risk premia today 40:04 – Active equity process 46:37 – Frontiers of research that he’s excited about 48:53 – Safe havens for non-quantitative investors 52:16– Advice for young quants 54:36 – Quants on the buy-side that he admires 55:41 – Kindest thing anyone has done for him   Learn More For more episodes go to InvestorFieldGuide.com/podcast.  Sign up for the book club, where you’ll get a full investor curriculum and then 3-4 suggestions every month at InvestorFieldGuide.com/bookclub Follow Patrick on Twitter at @patrick_oshag

Fitbit unveils a new smartwatch and lowers prices across the board, Samsung is working on two more foldable phones, Grab grabs $1.4 billion from Masa Son and Waymo finally found a way to make money. Sponsors: DataDogHQ.com/ridehome Metalab.co Links: Fitbit’s new $160 Versa Lite is a stripped-down version of its entry-level smartwatch (The Verge) Fitbit kills Alta, Alta HR, Flex 2, and Zip (VentureBeat) Samsung Working on Two More Foldable Smartphones (Bloomberg) WANT A FOLDABLE PHONE? HOLD OUT FOR REAL GLASS (Wired) Chinese Hackers Target Universities in Pursuit of Maritime Military Secrets (WSJ) Uber found not criminally liable in last year’s self-driving car death (QZ) Grab confirms $1.46B investment from SoftBank’s Vision Fund (TechCrunch) Waymo Starts Selling Sensors to Lower Cost of Self-Driving Cars (Bloomberg)

In this episode we go a little deeper on the 4 most common questions that I ask of every client on every visit. Unfortunately the amount of time still allowed on the Anchor platform is only five minutes so I will have to add an episode 46B so that I can complete this information and you'll have it all. I do hope anchor gets their platform lined out soon :-)

Luke 1:46B-55

The buzz: “It's actually women who are creating and leading some of the most established and promising companies overall” (@DrewAHendricks). Female entrepreneurs' accusations of sexual harassment from male VCs and others, are symptoms of entrepreneur ecosystem gender bias. Female startup founders received $1.46B in VC funding (2016) vs $58.2B to males. Does Silicon Valley mirror global tech-intensive industries? How to access power and capital for all? The experts speak. Adam Quinton, Lucas Point Ventures: “[In politics] If you want anything said, ask a man; if you want anything done, ask a woman” (Margaret Thatcher). Sharon Vosmek, Astia: “Prejudice is a burden that confuses the past, threatens the future and renders the present inaccessible (Dr Maya Angelou). Dr. Patti Fletcher, SAP Successfactors: “There is no female mind. The brain is not an organ of sex. As well speak of a female liver” (Charlotte Perkins Gilman). Join us for Don't Start with Me: Funding Female-Founded Startups.

The buzz: “It's actually women who are creating and leading some of the most established and promising companies overall” (@DrewAHendricks). Female entrepreneurs' accusations of sexual harassment from male VCs and others, are symptoms of entrepreneur ecosystem gender bias. Female startup founders received $1.46B in VC funding (2016) vs $58.2B to males. Does Silicon Valley mirror global tech-intensive industries? How to access power and capital for all? The experts speak. Adam Quinton, Lucas Point Ventures: “[In politics] If you want anything said, ask a man; if you want anything done, ask a woman” (Margaret Thatcher). Sharon Vosmek, Astia: “Prejudice is a burden that confuses the past, threatens the future and renders the present inaccessible (Dr Maya Angelou). Dr. Patti Fletcher, SAP Successfactors: “There is no female mind. The brain is not an organ of sex. As well speak of a female liver” (Charlotte Perkins Gilman). Join us for Don't Start with Me: Funding Female-Founded Startups.

John Goerke loves coffee. He loves it so much he's dedicated his life to making sure you get the most enjoyment out of every cup. His focus is on how to make the coffee experience 100% perfect every time. This means, quality product, zero waste, and an environmentally friendly process. John is a conscious capitalist and the founder of both Caribbean Coffee Company and bona Field Brewing Co. As chief brewologist and Founder; John is transforming the beverage industry and making the world a more wonderful place, one cup of cold coffee at a time. John has a great story of how his business has morphed from coffee service to local businesses to one of the premier suppliers of cold draft brew coffee in the United States. All from here in the 805. He's got a secret method that allows him to say with certainty, that the cup you enjoy 90 days after brewing will taste exactly as excellent as one experienced in the first 5 minutes of brewing. John also runs Caribbean Coffee and recently celebrated their 30th anniversary. He and Spencer Weiner have been sponsoring TEDxSantaBarbara for the past several years. We love having their coffee at our events. Mark, Patrick, and John covered a lot of territory in this conversation including: • Starting the business in 1986 • What his favorite part of the job (was and is) • The story of ROCO - Santa Babara Roasting Company • How he went from specialty coffee to food service • "I'm all about authenticity." • When he asked himself how he could make cold coffee better • The technology behind Bona Fide (well, what he can talk about) • Did you know that coffee and wine have something in common? • How he took his method for brewing and storing the coffee in kegs and found a way to deliver it hot or cold, instantly. • His work with Amazon and getting coffee kegs online (see here) • Why he thinks that stadiums could be a real market • Why you don't want to be afraid to pivot • Guess how big the coffee market is. 46B$

動漫萬歲 - 46B by Denka Team