Podcasts about 48k

Starting Messy: Money Edition WorkbookIf your books are full but your bank account is stressing you out, this episode is your wake-up call. In Part 1 of this 4-part money series, Misty Jayne gets raw about her own financial burnout behind the chair, her $48K debt payoff, and why healing your relationship with money is the most underrated form of self-care.Expect real talk on hustle culture, overspending habits, and the aha moment that changed everything.hairstylist money struggles, financial wellness for salon owners, debt-free journey hair stylist, money mindset, stylist coaching, hairstylist budgeting

Vuelve El Mundo del Spectrum Podcast con un programa muy original dedicado a los juegos con temática de la URSS en el que aprovechamos para hablar de aquella época en la que vivimos la guerra fría y la caída del muro de Berlín. Entrevistamos a José Ignacio Murria, creador de World Destruction, juego publicado por Ventamatic. Con él hablaremos de su trabajo y de las peripecias de publicar en aquel momento. En la sección Actualidad hablaremos de varios temas, por ejemplo de documentales, en el que destacaremos el lanzamiento de la edición física en Blu-ray de The Rubber-Eyed Wonder. No faltará la mención al nuevo Saboteur que llevará como título «Saboteur: the porto problem» y que está siendo realizado por el propio Clive Townsend. Y por supuesto hablaremos sobre Don priestley, maestro del Spectrum, recientemente fallecido. No te pierdas este apasionante programa con la participación de Juan Francisco Torres (¡Sí, lo tenemos de vuelta!), Jesús Martínez del Vas, Alejandro Ibáñez y para la entrevista, también con Jesús Relinque «Pedja». Programa dedicado a la memoria de Nazaret.

OCEAN fue la compañía más influyente y con el mejor catálogo para Spectrum. Hoy, 6 años después, afrontamos la segunda parte de este especial en el que analizamos la empresa y sus títulos desde 1996. También contaremos con Jesús Alonso, miembro de Microhobby y creador del famoso manual de Código Máquina de esta publicación. Junto a él tendremos a José Manuel Claros, primer colaborador de esta casa en la década de los 90 y actual responsable de El Trastero del Spectrum. En la sección de actualidad repasaremos las noticias de mayor interés y por supuesto seguiremos hablando de lo último del The Spectrum. Con Jesús Martínez del Vas, Jesús Relinque (Pedja) y Alejandro Ibáñez. Casi 4 horas de entretenimiento con espíritu ochentero para desconectar del mundanal ruido y la rutina diaria.

The other day I read a tweet complaining that since 1971 household family income had increased 5.5X (from $10K to $55K) while the median cost of a new car has gone up by 12X ($4K to $48K). It's not quite correct. Median family income has risen to $101K, so has almost kept up. But it […]

Aquí tenéis, como todos los años, nuestro tradicional ESPECIAL NAVIDAD. Vuelve Juan Francisco Torres y nos acompaña por primera vez en el Podcast, Javier Recuenco. En sus más de 5 horas y media podréis disfrutar del mejor ambiente navideño con la presencia también de Jesús Martínez del Vas, Jesús Relinque (Pedja) y Alejandro Ibáñez. La sección de Actualidad vendrá repleta de noticias, comenzando con un repaso muy completo sobre el lanzamiento del The Spectrum y un debate «¿Es mejor The Spectrum que Spectrum Next?» y acabará con una entrevista a Sergio Martín, nuevo director de RetroGamer. El tema principal es «Homebrew de los 80's«. Hablaremos de aquellos juegos caseros que venían en cintas o en revistas y libros en formato de listados. Esto será la excusa perfecta para charlar sobre el trabajo de tantos programadores y grafistas que empezaron con eso y que algunos acabaron dedicándose profesionalmente y otros lo dejaron para siempre. En la segunda entrevista de este programa tendremos a Isidro Gilabert y Alberto McAlby, miembros de New Frontier / Bit Managers. Hablaremos del trabajo de uno de los más importantes grupos de desarrollo que ha habido en nuestro país. ¿Os gusta el menú? Esperamos que disfrutéis escuchando el programa tanto como nosotros grabándolo. Os deseamos a todos una feliz navidad y un próspero año nuevo. Nos escucharemos de nuevo en el 2025.

Nuevo programa de El Mundo del Spectrum Podcast centrado esta vez en el arte que tenían los juegos externamente, es decir, en las portadas. Una serie de artistas dieron rienda suelta a su creatividad y nos sumergieron en mundos oníricos, épicos o de pura acción que hoy recordamos todavía intensamente. Nos acompañará un invitado que repite en el programa, Ángel Codón (Codón es un máquina, Tiempo de Culto y monologista), que de arte sabe mucho y contaremos como siempre con la presencia de Jesús Martínez del Vas, Jesús Relinque (Pedja) y Alejandro Ibáñez. Además repasaremos la actualidad del Spectrum en particular y del Retro en general y contaremos con dos entrevistas del máximo interés: Ángel Tirado (Capitán Sevilla, Documental «No me gusta Capitán Morcilla«) y Víctor Morilla (Thor). Ángel nos hablará en primicia del lanzamiento de «Píxel a Píxel» (Takemoto), el que será documental definitivo sobre la historia de los videojuegos en España y que emitirá RTVE y Canal Sur. Víctor nos contará su participación en la época dorada así como en los proyectos en que anda metido para el lanzamiento de un juego retro en la actualidad. No os perdáis estas casi 4 horas de puro entretenimiento retro con el que tanto disfrutamos a día de hoy.

Join Simon Elisha and Dr. Werner Vogels, as they kick off a new mini-series, "The Frugal Architect," with Dan Conti, whose journey from the constrained world of embedded systems to WeTransfer's cloud architecture is a masterclass in frugal innovation. In his early career, Dan wrestled with MP3 players where 48K of RAM was a luxury. This experience cultivated a deep appreciation for efficiency that would prove crucial at WeTransfer. As CTO, Dan applied this resourceful mindset to cloud computing, where easy scaling often masked hidden waste. His team's efforts to optimize storage, improve observability, and align technology with environmental values showcased that in the cloud, frugality isn't about penny-pinching—it's about squeezing every ounce of value from your architecture -- and doing it sustainably. Blog Post Link: https://www.thefrugalarchitect.com/architects/dan-conti-wetransfer.html

It's Our Sinclair 114! This time out, join Amigo Aaron for some hot, monster on monster action on the 48K and 128K Speccy as we look at Rampage! I'll be examining what I think made the arcade game such a classic, and pondering how you convert a 3 player arcade game with multiple buttons and huge, colorful sprites to an Spectrum. Did the pull it off...tune in and find out!

It's Our Sinclair 114! This time out, join Amigo Aaron for some hot, monster on monster action on the 48K and 128K Speccy as we look at Rampage! I'll be examining what I think made the arcade game such a classic, and pondering how you convert a 3 player arcade game with multiple buttons and huge, colorful sprites to an Spectrum. Did the pull it off...tune in and find out!

Hoy contamos con un audio muy especial porque además de información muy interesante sobre la nueva revista PIXELS, tenemos una PRIMICIA espectacular: ¿Vuelve la MICROHOBBY?. Jesús Martínez del Vas entrevista a José Luis Sanz (MICROHOBBY / HOBBY CONSOLAS). No os perdáis este Podcast / Vídeo con contenido TOP. Tenéis dos opciones para escuchar el audio. Desde Youtube o desde vuestra plataforma de Podcast favorita.

It's Our Sinclair 113! This time out, join Amigo Aaron for some Halloween fun on the 48K and 128K Speccy. From our good friends at Midnight Brew Games, I'll be examining the new box set release of Colin Stewart monster classics, Frank N Stein and Dr. Acula! It's spooky puzzle platform fun on a GRAND scale, and retooled with bug fixes and in-game tunes! If you're interested in this box set, check them out and all the other offerings at midnightbrewgames.com and check out Happy Coding ZX's patreon at patreon.com/happycodingzx

It's Our Sinclair 113! This time out, join Amigo Aaron for some Halloween fun on the 48K and 128K Speccy. From our good friends at Midnight Brew Games, I'll be examining the new box set release of Colin Stewart monster classics, Frank N Stein and Dr. Acula! It's spooky puzzle platform fun on a GRAND scale, and retooled with bug fixes and in-game tunes! If you're interested in this box set, check them out and all the other offerings at midnightbrewgames.com and check out Happy Coding ZX's patreon at patreon.com/happycodingzx

Comienza la temporada 13 con un programa repleto de contenidos para disfrutar durante algo más de 4 horas y media. Tu Podcast favorito vuelve como siempre denso en información y acompañado de buena música ochentera. Entretenimiento puro de tu temática preferida. Hemos querido empezar la temporada echándonos unas risas así que el tema principal será «Los Peores Juegos de Spectrum«. Y vaya si lo hemos conseguido. El catálogo del ordenador de Sinclair es cosa seria pero de vez en cuando no está de más tomárselo a guasa repasando aquellos títulos infumables que todos tenemos en mente. Recordad mencionar los que nos hayamos dejado para una posible segunda parte. En este programa entrevistamos a Ricardo Cancho, mítico componente de TOPO Soft que nos contará infinidad de detalles de aquella magnífica época. De extensa duración os garantizamos que disfrutaréis cada minuto con las palabras de Ricardo. Por supuesto repasaremos toda la actualidad centrándonos en el lanzamiento del nuevo THE SPECTRUM, una máquina que no ha dejado indiferente a nadie. No te pierdas nuestro regreso. Acompáñanos una vez más en El Mundo del Spectrum Podcast.

In this episode re-run, we revisit our conversation with Steven Vargas, a real estate investor with 15 doors and over $4 million in real estate holdings. As co-founder of Condifante Property Management and leader of The Vargas Team at Cervera Real Estate, Steven shares how his dedication — and his YouTube channel, @stevenvargas, with 6.48K followers and over 30K monthly views — have fueled his success. He breaks down everything from branding yourself on YouTube, choosing the right equipment, and creating engaging, monetized content, to how his channel has generated valuable leads. Don't miss this episode packed with insights to help you grow your real estate brand on YouTube! Guest: Steven Vargas Host: Omar De Windt Producer: Veronica Paris

Terminamos temporada, la 12, con este programa de 4 horas en el que hablaremos de los juegos con personajes de Dibujos Animados. Y lo haremos con un invitado especial , Viruete, que vuelve al programa para tratar este televisivo asunto. La entrevista en esta ocasión es a un hombre importante en la distribución de la época, Pablo Crespo, creador de Centro Mail. Nos hablará de un mundo que hemos tratado en pocas ocasiones, desde el rastro del Madrid de los 80 a las primeras tiendas de Centro Mail, hasta la actualidad, en la que ha sido el «mandamás» de GAME hasta hace poco. Vuelve la sección «Colour Clash» de Aitor Chávez, en la que, desde ya, buscará y grabará testimonios de gente normal, gente como cualquiera de nosotros, para ilustrar experiencias con las que muchos nos identificaremos. En esta ocasión, tendremos «Un Spectrum sin cassette y una carga interruptus». Por supuesto repasaremos toda la actualidad del Retro en general y del Spectrum en particular, con un análisis extenso del nuevo número de Retrogamer. Lo haremos con Jesús Martínez del Vas, Jesús Relinque «Pedja» y Alejandro Ibáñez. Este es el menú que os hemos preparado para despedir esta temporada número 12, intensa y repleta de experiencias como pocas, que esperamos hayáis disfrutado escuchándola casi tanto como nosotros haciéndola. Feliz verano y nos escuchamos a la vuelta.

Regresamos con un programa intenso que disfrutarás de principio a fin. Acompáñanos por un viaje al pasado en el que recordaremos aquellos juegos baratos de System 4, entrevistaremos a los autores de Cyberbig (Slow Glass), a un técnico muy especial del Servicio Técnico de Continente y estrenaremos una nueva sección llamada «Colour Clash». En primer lugar repasaremos la actualidad con noticias como el lanzamiento de un documental del Sinclair C5, libros de autores ilustres, la nueva Retrogamer o los fallecimientos de Enrique Ventura, Frederick David Thorpe y Miguel Durán, al que Rafa Corrales recordará con unas palabras. A continuación estrenamos la sección «Colour Clash», dirigida por nuestro compañero Aitor Chavez cuyo primer episodio lleva el título de «Robocop, un puesto de periódicos y un golpe en la barra». Esperamos en esta nueva sección que vosotros seáis los protagonistas contando historias y anécdotas en torno al Spectrum. No dudes en mandarnos un email o un mensaje y contactaremos contigo. Seguiremos con la entrevista a Gabriel Cardel, un técnico de televisores Phillips que se puso con atrevimiento y audacia a reparar Spectrums para Continente y nos lo cuenta acompañado de su hijo Artur, compañero de El Mundo del Spectrum. Continuaremos con el regreso de la sección «El Altavoz». Alejandro leerá un mensaje de Natxo Cruz, oyente que nos descubrió hace un año, que ha devorado todos nuestros programas en este tiempo y que nos cuenta su experiencia con el Spectrum. Abordaremos a continuación el tema principal: «System 4, juegos baratos para Spectrum». Repasaremos el catálogo de juegos propios de esta compañía barata y lo que supuso poder ir a comprar juegos originales por 295, 395 o 595 pesetas. Para terminar os invitamos a comer con nuestro compañero Fede Jerez y dos invitados muy especiales: Alberto Pérez Torres y Manuel Domínguez Zaragoza (Slow Glass). Ellos fueron los autores de Cyberbig y nos contarán infinidad de detalles de la época en una entrevista muy extensa, interesante y entrañable. Como debe ser se escucharán cubiertos, platos, tazas, viento y todo tipo de sonido ambiente que te permitirá sentirte como uno más en la mesa del restaurante. Este es el menú que te ofrecemos en El Mundo del Spectrum Podcast 12×05. Esperamos que te guste y que la espera haya merecido la pena. Dedicamos el programa a Tecnoretro, miembro de RetroMallorca. Programa con Jesús Martínez del Vas, Jesús Relinque (Pedja) y dirigido y presentado por Alejandro Ibáñez.

Are you a recruitment business owner feeling frustrated, overworked, and stuck in the cold-calling grind? In this episode, we'll reveal a game-changing strategy that can transform your business development process and skyrocket your sales. Join Katy and Jane as they discuss the untapped power of candidate testimonials. Discover how Jane rebuilt her recruitment desk during the 2008 recession, going from zero to £48K in billings by leveraging this simple yet effective technique. Learn how to bypass gatekeepers, reach decision-makers directly, and provide value to clients before they even start working with you. Find out how a single 15-minute testimonial call can lead to years of exclusive business and help you land retainers without the hassle of cold calling. Don't miss this opportunity to revolutionise your recruitment process and take your business to the next level. Click play now and get ready to transform your approach to business development! "It's about making sure you're giving a client value before they start working with you. They want to feel like they've experienced you and they've experienced your service before they actually buy from you." - Katy Green   In this episode, you will: Discover a powerful strategy to rebuild your recruitment desk and increase billings, even during challenging times. Learn how to bypass gatekeepers and reach decision-makers directly, providing value to clients from the start. Understand the importance of giving candidates an exceptional experience to generate glowing testimonials. Explore real-life case studies that demonstrate the impact of testimonials on securing placements and long-term business relationships. Gain actionable insights on training your team to master the art of gathering testimonials effectively.   Resources Mentioned: FREE Testimonial Reference Form Jane Pettit's LinkedIn ▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬ ► Want Help Scaling Your Recruitment Business to 7-Figures (and beyond)? Great! I have plenty of FREE RESOURCES that you can check out to see if this is something that can work in your business. Watch our free training and get a proven system that helps your team make 5, 10 or 20 extra placements a month reliably and predictably in next 30 days: Attract, Convert and Deliver. Watch now https://learn.centredexcellence.co.uk/vsl-youtube61658857 Join our Recruitment Business Accelerator Community on Facebook. Where smart Recruitment and Executive Search Business Owners come to level up their skills and knowledge to build 7+ figure recruitment businesses: https://www.facebook.com/groups/526435818123500   ▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬  ► WANT TO CHAT IT OUT? Let's have a chat to see IF or HOW this can work for your recruitment or executive search business, apply here and give me some details about your business: https://profitaccelerator.centredexcellence.co.uk/apply  

El Sinclair QL es un gran desconocido entre la comunidad del Spectrum. Hasta hoy. Os presentamos este 12×04, un especial 40 aniversario en el que charlaremos Alejandro, Jesús y Juanfra con 7 expertos en este ordenador, presentado en enero de 1984, que se suponía iba a ser el sucesor del ZX Spectrum. Los expertos serán Fede (Napsternds), Javier (Badaman), Juanjo (Zerover), Alberto (Titoxunix), Miguel Ángel Rojo, Armando (AFX) y Álvaro Alea. Los temas que trataremos serán: 40 aniversario, conmemoración de la presentación del Sinclair QL. El hardware QL: del 68008 al 68060. El Sistema Operativo, el SuperBasic y los Toolkits. Emuladores y otros sistemas hardware para QDOS y SMSQE. El software (juegos, ofimática, lenguajes de programación, etc). El QL en España. El Sinclair QL en la actualidad. Comenzaremos el programa con la intervención de nuestro compañero Aitor Chávez que estuvo presente en la celebración del 40 aniversario celebrada en Majadas de Tiétar, Cáceres y que nos contará sus impresiones de todo lo que pudo ver y probar. Allí tuvo la ocasión de hacer un test a miembros del encuentro que también incluimos en este programa. La charla con los 7 expertos también puede encontrarse en nuestro canal de Youtube. Os garantizamos que, tras escuchar este programa, ese gran desconocido, el Sinclair QL, dejará de serlo. Esperamos que disfrutéis tanto del programa como nosotros haciéndolo.

In crypto news today Bitcoin pumps to $48K, what happens next? $100K by halving or dump to $35K? SEC Gary Gensler is losing crypto staff.

Come è possibile che lo ZX Spectrum negli anni '80 si sia diffuso in mezzo mondo? A cosa è dovuta la sua popolarità che ancora oggi muove moltissimi appassionati a sviluppare software, demo e nuovi hardware per ricordarlo? Per poter raccontare correttamente che cosa è stato questo piccolo home computer, cosa ha rappresentato e di come sia stato possibile che il piccolo #zxspectrum abbia combattuto contro il re degli home computer, il famigerato #commodore64, nell'epica computer war degli anni '80 è necessario applicare una particolare modalità nello studio della storia dell'informatica che è quella della contestualizzazione. Non si possono capire avvenimenti e dinamiche di mercato di un qualsiasi prodotto senza conoscere il contesto in cui queste sono avvenute, e purtroppo, per quanto riguarda la storia dell'informatica questo è ancora più complesso data la velocità del cambiamento e dell'evoluzione di queste tecnologie proprio di quegli anni. Scopriremo insieme tanti avvenimenti e tante curiosità, dalle aziende che produssero versioni ufficiali dello ZX Spectrum, come un'inaspettata SAMSUNG, alla diffusione di questo piccolo computer a livello mondiale in paesi come India, Brasile e U.R.S.S.

Qué mejor forma de despedir el año y desearos una feliz navidad que con el típico programa navideño de El Mundo del Spectrum Podcast. En esta ocasión os esperan algo más de 3 horas de amor por la retroinformática con Jesús Martínez del Vas, Jesús Relinque «Pedja» y Alejandro Ibáñez. Comenzaremos como siempre con toda la actualidad. Recordaremos a Ricardo García Gete (Investrónica), una importante figura en el mercado de la retroinformática española. Hablaremos del Sinclair ZX Spectrum Next que ya está llegando a los hogares de los mecenas de su segundo crowdfunding. Mencionaremos la celebración del encuentro de enero del 2024 para celebrar el 40 aniversario del QL y desgranaremos la nueva revista Retrogamer. La entrevista en esta ocasión será a Jorge Azpiri, sobrino del maestro Azpiri, que trabajó entre otras compañías en Dinamic, como artista de varios importantes títulos de su catálogo. Escucharéis montones de nuevos detalles e información de la época dorada. Para acabar analizaremos un listado de algo más de 20 de los mejores juegos del Siglo XXI. No están todos pero sí todos lo son. Grandes lanzamientos modernos que han alimentado el homebrew durante ya más de dos décadas. Poneos cómodos. Preparaos para un chute de villancicos, música navideña y charlas sobre el Spectrum, los 8 bits e incluso algo de los 16 bits. Feliz navidad y que tengáis una maravillosa entrada en el 2024.

Os presentamos uno de esos programas especiales de larga duración que tanto nos complace publicar al incluir una entrevista que consideramos de alto valor histórico. En esta ocasión os presentamos a 6 miembros del equipo de GameSoft, desarrolladores de Turbo Girl, Senda Savaje y Comando Quatro. Una entrevista única y en primicia ya que es la primera vez que ofrecen su testimonio conjunto frente a un micrófono. Disfrutaréis de información de primera mano jamás contada. No, no ha sido grabada en un VIPS pero sí en una Sociedad Gastronómica, así que no os preocupéis, incluirá sonidos de fondo de cubiertos y vajilla para dar ese ambiente típico de las entrevistas más míticas de El Mundo del Spectrum. Este programa incluye muchísimos más contenidos en sus 6 horas de duración. Haremos un repaso rápido de actualidad, incluyendo una entrevista a Radastan para contarnos cómo va su Concurso Basic. El tema principal tratado en este podcast será: El Coleccionismo de Originales. Todo sobre las ediciones físicas, formatos, colecciones, etc. Como complemento a esta charla entre Pedja, Jesús y Alejandro, al final del programa tendremos otra charla sobre la misma temática, además del asunto de la especulación, con el «youtuber» SpineCard. Y de vez en cuando sabéis que nos gusta analizar un juego más a fondo. Pues bien, en esta ocasión hablaremos con Pedja de no uno, sino dos juegos: Spirits y Survivor, haciendo un repaso por la compañía TOPO Soft. Esto es lo que os hemos preparado en este 12×02. Como siempre lo tendréis todo aderezado con una buena selección musical de temazos ochenteros. Esperamos que disfrutéis de este extenso programa. Nos escuchamos de nuevo muy pronto. https://www.elmundodelspectrum.com

Téma: V boji o dokonalosť Piesne: 607, 458, 203, 237Antifóna: 60 Biblické texty:Starozmluvný text: Ž 111Epištola: 2.Tim 2,8-15Evanjelium: Mt 5,38-48Kázeň: 1M 13,1-18

Estrenamos temporada, la 12, con un programa dedicado a los Juegos de Cine en el Spectrum. Alejandro y Jesús estarán acompañados en esta ocasión de Paco Fox y Ángel Codón de Tiempo de Culto Podcast (TDC). Comenzará el programa con un repaso rápido a la actualidad en el que analizaremos el número más reciente de RetroGamer. Continuaremos con la entrevista a César Hernández por el lanzamiento de su emulador ZEsarUX X, con IA y juego Online. Se trata de un extracto de media hora del vídeo que publicamos en Youtube hace unas semanas. La entrevista al artista Enrique Ventura, dibujante e historietista con más de medio siglo de trabajo a sus espaldas, nos visita para contar, entre otras cosas, su trabajo con Dinamic en Freddy Hardest, cómic incluido. Para terminar hablaremos largo y tendido sobre las conversiones cinematográficas al Spectrum y de la industria del cine en general, tanto la de los 80 como la actual. Esperamos que disfrutéis de estas 4 horas de diversión retro lejos del mundanal ruido.

本節新聞重點： ▲進口蛋混充國產做液蛋！ 衛生局稽查回收 ▲0經驗也可！ 鼎泰豐外場服務員「起薪48K」 ▲撿到便宜？旅展買住宿券 一查訂房網更便宜 ▲美國大型惡霸犬攻擊頻傳 英國擬立法禁養 ▲頭巾抗爭週年 世界各地聲援 伊朗嚴防抗議 ｜更多新聞｜ ◎台視新聞訂閱→https://www.youtube.com/c/ttvnewsview ◎台視直播訂閱→https://www.youtube.com/c/twlivenews ◎台視臉書粉絲團訂閱→https://www.facebook.com/ttvnews/ ◎台視新聞IG訂閱→https://www.instagram.com/ttvnews_tw/

It's Lizz's last week of maternity leave, so she's playing passenger princess today while Kelly takes the wheel. This episode is packed with birthday embarrassment, a big dill taste drive, and more listener icks. → If you're a Mitsubishi girlie, head over to Apple Podcasts, leave a five star review for the show, shout out your ride, and tell us what you love about listening to The Carpool! To kick things off, today's millennial word of the day is ‘rat girl summer.' If you're into lurking, snacking, and embracing your rodent energy — this is for you. Kelly will take her hot girl spray tan and iced coffee over rat girl summer any day.  Kelly's 30th birthday pool party made the Margaritas go down a little too smooth and caused the gals a bit of hangxiety. On the bright side, Lizz's ice shot glasses and the Alpaca Picnic were both a hit. In her driveway dump, Kelly also shares her take on slicked back hairstyles, toxic messy bun tutorials and the overuse of ‘AI.' Hidden Valley Ranch with pickle flavored ranch and Spritz Society's canned cocktail collab with Clausen are featured in today's taste drive. Kelly and Lizz both agree, Seltzer taste tests need to make a comeback on the Carpool. Listener icks this week include adults using the ‘little girls room', sleeping with your childhood blankie, and grown men with towels around their waist. Kelly and Lizz add their most embarrassing moments to the mix.  If you sign up for more free trials than Kelly, you need Rocket Money. Rocket Money finds and cancels your unwanted subscriptions and monitors your spending. Rocket Money can even negotiate to lower bills for you by up to 20%. All you have to do is take a picture of your bill and Rocket Money takes care of the rest. With over 3 million users in counting Rocket Money, customers have saved on an average of $720 a year. So stop wasting your money on things you don't use. Cancel unwanted subscriptions and manage your expenses the easy way. → Download the Rocket Money app at rocketmoney.com/carpool   In industry news Mazda's new SUV, the 2024 CX 90, has a little more oomph and is available as a plug-in hybrid. Lizz says she'd give this ride a chance since it has 490 miles between a full charge and a full tank of gas (which she hates filling up). The Mitsubishi Mirage is the last new car with an average purchase price below $20K. And In July, Americans paid, on average, $48K for a new vehicle.  Sardines are it and listener Genevieve is here to confirm. She's sending Lizz and Kelly over to Trader Joes to get the best of the best — packed in olive oil, skinless, and boneless. Genevieve shares her tips and tricks to eating them right on toast or broiled with cheese to make a sardine melt. A second ditch the drive-through from Kay, the California Skillet, follows a quick question: is it safe to use an expired car seat in the stroller? → To share your ditch the drive-through recipe with us, call (959) CAR-POOL and leave us a message! → Write in your icks and ask for advice! Send Kelly and Lizz an email to get your question featured on the show at hello@thecarmomofficial.com  Follow the Carpool Podcast on IG Follow the Carpool Podcast on YouTube Follow Kelly on IG Follow Lizz on IG Visit thecarmomofficial.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Disclaimer: This episode contains personal details of suicidal ideation and behavior! In this episode, I talk with Aryana Altaha a 16 year old  mental health advocate from Arizona. Through her instagram account with (48K + followers) she shares her passion and personal journey through mental health. Join us in this episode as we talk about her own journey through mental health, how she got better, her advocacy work, and special advice and tips for better mental health she has for all of you! Thank you for listening to today's episode and see you next Wednesday! Podcast Instagram: https://instagram.com/stoppingsuicide.stepbystep?igshid=OGQ5ZDc2ODk2ZA==Podcast Email Contact: tanish.joshiapte@gmail.com

REGIONS: DSWD-12 gives P280-M aid to 48K beneficiaries | July 3, 2023Subscribe to The Manila Times Channel - https://tmt.ph/YTSubscribe Visit our website at https://www.manilatimes.net Follow us: Facebook - https://tmt.ph/facebook Instagram - https://tmt.ph/instagram Twitter - https://tmt.ph/twitter DailyMotion - https://tmt.ph/dailymotion Subscribe to our Digital Edition - https://tmt.ph/digital Check out our Podcasts: Spotify - https://tmt.ph/spotify Apple Podcasts - https://tmt.ph/applepodcasts Amazon Music - https://tmt.ph/amazonmusic Deezer: https://tmt.ph/deezer Stitcher: https://tmt.ph/stitcherTune In: https://tmt.ph/tunein #TheManilaTimes Hosted on Acast. See acast.com/privacy for more information.

In this week's episode, we welcome back Liz Wilcox as she shares her story from starting an RV blog to developing a lucrative membership in email marketing which makes her six figures from a $9 monthly subscription! KEY TAKEAWAYS FROM THIS EPISODE: How to set up a membership. Why memberships work. Show that you are invested in your content and share in a relatable way. How to scale your membership subscribers. The step-by-step process of growing and scaling your membership Add value to your audience but also sell as much as feels comfortable for you. THIS WEEK'S GUEST Liz Wilcox, has built the most incredible source of income from her $9 membership. She has dedicated her second passion (90s pop culture trivia being her first) to serving online business owners, bloggers, and freelancers to utilize the magic that is email marketing. Originally a travel blogger, she has written a success story for herself on her membership that hit over 1000 users in 1 year, and in March 2022 she did a launch which brought in $48K in a single week. She came onto the Conference Room earlier in the year (check out Episode 94 - its awesome!) to talk about her secret to successful email marketing campaigns, and we're delighted that she's come back to talk to us about how she built such a successful membership program. For more information, or to get in touch with Liz, check out: LinkedIn: https://www.linkedin.com/in/liz-wilcox-58740b1b0/ Website: www.lizwilcox.com YOUR HOST Simon Lader is the host of The Conference Room, Co-Founder of global executive search firm Salisi Human Capital, and podcast growth consultancy Viva Podcasts. Since 1997, Simon has helped cybersecurity vendors to build highly effective teams, and since 2022 he has helped people make money from podcasting. Get to know more about Simon at: Website: https://simonlader.com/ Make Money from Podcasting: https://www.vivapodcasts.com/podcastpowerups Twitter: https://twitter.com/simonlader LinkedIn: https://www.linkedin.com/in/headhuntersimonlader Spotify: https://open.spotify.com/show/3dd0obQSM8cYRV0HCxiuF0

SUPER CROSSTALK with TRAVIS and SLIWA - Mason made $48K in mythical money as the Lakers took care of business in Chicago! Mason believes they will make it out of the 1st round of the playoffs if they make it. Also, Jason Momoa was going to call in but something happened and he's no longer going to be a guest. We play an old audition tape from him. Mason is excited for Dodgers Opening Night! WHEEL OF QUESTIONS - Who is your favorite SUPER HERO? We talk about this because Batman was introduced in Comics in 1939. Learn more about your ad choices. Visit megaphone.fm/adchoices

Li Auto (LI) stock price is down over 100% so far today after their earnings report was released. Li Auto (LI) EPS came in at -$0.18 and revenue came in at $1.31B, missing the estimates. However, the EV maker said that they expect to deliver 45K to 48K automobiles in the fourth quarter. That would be a jump of 28% to 36% from Q4 2021. Caroline Woods weighs in on the earnings call as Li Auto (LI) touched on the path to profitability.

Nio Inc. (NIO) earnings report indicated -$0.30 in EPS and $1.83B in revenue. NIO stock price today is up over 10% so far. Vehicle deliveries amounted to 31,607. "Nio Inc. is shifting towards a big year-end production of vehicles. They are expecting to deliver between 43K to 48K electric vehicles next quarter. Also, Yeti Holdings (YETI) saw a strong earnings report that beat estimates," says Renita Young.

In this episode, Kirsten talks with Million Dollar Email client Jasmine Haitalani about making 48K in email sales. Jasmine shares her experience in the program, including how the program was not what she expected and the advice she would give to others.Follow Jasmine @highflierpowerhouse or learn more at highflierpowerhouse.com.Join the Waitlist for Million Dollar Email at kirstenroldan.com/million-dollar-email.

*** Brandon called out yet again for his fashion choices *** Don't be the person people are secretly judging by doing these things *** Brandon embarrasses Kai while visiting the hospital *** Arkansas' Morning Show High Five - Stuttgart Event raises $48K for childhood cancer research *** NFL teams with the most expensive beer *** Brandon alleges he's been looking for Kelly a new job and found it *** Luke Combs kills it on College Game Day *** Outdoor dining and ordering a "Pimento Cheese" *** Best and worst swag companies hand out ***

After not matching and doing a year postdoc before now being accepted into anesthesiology residency, this doctor accumulated $26K in credit card debt, mostly for the payment of his wedding. We celebrate with him today that he has paid off all of that high interest debt. With a $48K income as a postdoc and interest rates on the cards between 26-29% it was way harder than he thought! If you have debt hanging over your head here are some guiding principles for managing it: https://www.whitecoatinvestor.com/ten-guiding-principles-for-physician-debt-management/  SoFi has exclusive rates and offers for Medical Professionals, which could help you save thousands by refinancing your student loans. If you're still in residency, SoFi offers a lowered interest rate and the ability to reduce your payment to just $100 per month while in school. If you're out of residency, SoFi's great rates could help you save money and get on the road to financial freedom. Check out their payment plans and interest rates at https://sofi.com/whitecoatinvestorpod SoFi Student Loans are originated by SoFi Bank, N.A. Member FDIC. Additional terms and conditions may apply. NMLS 696891  The White Coat Investor has been helping doctors with their money since 2011. Our free financial planning resource covers a variety of topics from doctor mortgage loans and refinancing medical school loans to physician disability insurance and malpractice insurance. Learn about loan refinancing or consolidation, explore new investment strategies, and discover loan programs for specifically aimed at helping doctors. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor channel is for you! Be a Guest on The Milestones to Millionaire Podcast: https://www.whitecoatinvestor.com/milestones  Main Website: https://www.whitecoatinvestor.com  Student Loan Advice: https://studentloanadvice.com  YouTube: https://www.whitecoatinvestor.com/youtube  Facebook: https://www.facebook.com/thewhitecoatinvestor  Twitter: https://twitter.com/WCInvestor  Instagram: https://www.instagram.com/thewhitecoatinvestor  Subreddit: https://www.reddit.com/r/whitecoatinvestor  Online Courses: https://whitecoatinvestor.teachable.com  Newsletter: https://www.whitecoatinvestor.com/free-monthly-newsletter 

Toast has 48K+ restaurant clients as of the fall of 2021 when they filed for their IPO. This is a huge number, but only represents about 5% of the total restaurant segment. In this week's edition of the Merchant Sales Insight, I worked with one of my favorite, truly processor agnostic POS systems, Quantic to provide a road map of what you need to offer in order to compete with Toast and win in the restaurant space.

Cinneah El-Amin, from Flynanced, is spilling all the tea about how she went from a $48K salary to earning MULTIPLE six figures a year as a product manager. Listen in as we discuss job-hopping, LinkedIn mistakes to avoid, the importance of salary transparency, and more. Download the FREE "Pivot to Well Paid" Guide with tips and strategies on how to turn the skills you have NOW into well paid jobs. Plus, you'll receive weekly #FREEGAMEFRIDAY emails with advice and open job opportunities. Connect with Cinneah on Instagram @fly.nanced ----- Connect with Jazzy on Instagram, TikTok, and YouTube. Visit our website for freebies, resources, and more. Want to learn how to create and sell a profitable digital product? Check out this FREE TRAINING.

On this Friday edition of WUL, I talk with Austin Dowell. Austin is a full time pharmacist who's building his digital marketing business in his spare time. He's been able to grow his TIktok following to over 48K people in just 90 days

Getting out of debt made me a pretty shit person for 19 months.  Deciding to get out of debt for the long term was a great thing for us, during the entire process however I was a garbage excuse for a person.  It consumed my entire life. I made getting debt free my personality. Deciding to get out of debt when we did, ruined my wedding.  It made me so miserable every single day.  It created so much bitterness inside my heart.  It left me with brand new wounds that have taken another couple of years to heal. If you are at the beginning or middle of your debt-free journey or if even thinking about it scares the crap out of you, I get it.  I am essentially a cautionary tale of all the things NOT TO DO. Live your life.  Don't pick one month sooner of debt freedom over being there for the people in your life.  Don't eat garbage food you hate just because you are trying to save an extra $6 on your grocery bill.  Don't stew in resentment and bitterness about the things you are sacrificing when people around you aren't sacrificing the way you think they should.  Don't be debt-free journey, Cassie.  Learn from my mistakes. Cassie Moore:  Host of the The Get More Podcast, money coach, virtual assistant and card carrying cat lady forever.  On a mission to empower women to take control of their finances, get out of debt and fall in love with money. Having paid off 48K in debt in 19 months using her Signature Budget Blueprint which blends practical money management with soulful purchases, instead of the typical shame-filled forced changes. You can have it all when it comes to money, saving, spending, and enjoying yourself.  Follow me: Instagram https://www.instagram.com/cassieannemoore/ (@cassieannemoore)  YouTube: https://www.youtube.com/channel/UCYIr7vUvPhT7COSMyZNXjpQ (Cassie Anne Moore)

Are you always waiting to live your abundant life until you have done XYZ? What if you started living your abundant life today? I started a couple of weeks ago doing my own @manifestationbabe inspired abundance journey where I believe anything and everything is possible and creating new habits that will help me shift my current mindset into the life I want to have.  So each week I am focusing on steps I can take to actually move the needle forward to really having this great life I have been envisioning. I don't want to just always be thinking about the life I want to have I want to already be living the life of my dreams today.  Not every day is my dream life, I still struggle walking through a lot of things, and with such major shifts happening in the next week and over the coming months with work, coaching, freelancing, my podcast, my YouTube, adventure, and trying to make things work. So if you are in the same place I have been living for a while now, just waiting for your dream life to happen after you do just the right thing and you have just the right amount of money or the right relationship, the right body, the right thing, the right whatever you think is going to make your dream life real. Start living your dream life now. Such up as you see your future self living and start doing those things now.  When you show up the way you want to live then you suddenly find yourself living that dream life. Cassie Moore: Host of The Get More Podcast, money coach, virtual assistant and card-carrying cat lady forever.  On a mission to empower women to take control of their finances, get out of debt, and fall in love with money. Having paid off 48K in debt in 19 months using her Signature Budget Blueprint which blends practical money management with soulful purchases, instead of the typical shame-filled forced changes. You can have it all when it comes to money, saving, spending, and enjoying yourself.  Let's Be Friends: Instagram https://www.instagram.com/cassieannemoore/ (@cassieannemoore)  YouTube: https://www.youtube.com/channel/UCYIr7vUvPhT7COSMyZNXjpQ (Cassie Anne Moore)

March is National Kidney Month, which brings awareness to kidney health, which in turn is a global public health burden. For this last episode of Physician's Weekly podcast this March of 2022, we wanted to highlight a recent publication about the use of diuretics in patients with chronic kidney disease, or CKD, with a prevalence of 11% in the USA . Diuretics are useful in the management of most patients with CKD because they reduce ECF volume; lower blood pressure; potentiate the effects of ACE inhibitors, ARBs, and other antihypertensive agents; and reduce the risk of cardiovascular disease in CKD. Physician's Weekly's Senior Editor Martta Kelly interviews Dr. Alan S Go, of the Kaiser Permanente of Northern California, whose team looked at the effect of diuretics on renal outcomes among nearly 48K adults with chronic kidney disease. Loop and thiazide class diuretics are an important part of guideline-directed medical therapy for patients with CKD with hypertension, edema, metabolic acidosis and/or hyperkalemia. Yet diuretics can be also be associated with acute elevations in serum creatinine and electrolyte derangements. Whether diuretics result in direct kidney injury versus benign hemoconcentration of serum creatinine remains controversial, which was the rationale behind this large study. But first, March is also famous for MATCH DAY from the National Resident Matching Program (NRMP). Match Day is when domestic and international medical school students and graduates learn in which U.S. residency programs they will train. Naturally this is extremely important to the careers of all residents and it is coupled with high stress and anxiety, as well as questions about how best to prepare. Some recent participants set up a Resident-led platform, called Inside The Match, with information, help reviewing your applications, and a podcast series to provide everything you wanted to know about the residency match process but were too afraid to ask. Physician's Weekly interviews psychiatry resident and co-founder Simone Bernstein, previously recognized as a social entrepreneur in Forbes' 30 under 30 list. She is truly a mover and shaker!Enjoy listening!Additional reading:https://www.insidethematch.com/Fitzpatrick JK, Yang J, Ambrosy AP, Cabrera C, Stefansson BV, Greasley PJ, Patel J, Tan TC, Go AS. Loop and thiazide diuretic use and risk of chronic kidney disease progression: a multicentre observational cohort study. BMJ Open. 2022 Jan 31;12(1):e048755. Let us know what you thought of this week's episode on Twitter: @physicianswkly Want to share your medical expertise, research, or unique experience in medicine on the PW podcast? Email us at editorial@physweekly.com! Thanks for listening!

欢迎收听雪球和喜马拉雅联合出品的财经有深度，雪球，国内领先的集投资交流交易一体的综合财富管理平台，聪明的投资者都在这里。听众朋友们大家好，我是主播匪石-34，今天分享的稿件名字叫做高胜率高赔率的北交所投资策略，来自安福双。北交所企业和沪深A股企业最大的不同是什么？所处的企业生命周期不一样。北交所企业更早、更小、更新，大多处于初创期和成长初期。比如药品还处于研发阶段还没上市的诺思兰德，还在初创期；比如做锂电负极材料的贝特瑞、做碳纤维原丝的吉林碳谷等，还处于成长初期。而沪深A股大多处于成长中后期，还有很多处于成熟期，如：房地产行业的万科、做空调的格力电器，衰退期：做水泥的海螺水泥、做客车的宇通客车等。那么，对北交所企业来说，就像一个小孩子，很多基本面变化很快，隔几年就有很大变化，不会像A股的贵州茅台、五粮液、中国平安这样的大蓝筹一样稳定增长。所以，喜欢护城河、静态的竞争优势、稳固的竞争格局、现金流折现这些投资理念的传统价值投资方法，可能在北交所不太适用。投资北交所股票，必须用动态眼光去看待，捕捉企业的重大发展变化。个人将这种同样基于价值投资理念但具体方法又有很大区别的投资体系，称为基于基本面拐点的价值投资，更加适合北交所的土壤。基本面拐点的定义某周期股的产品价格上涨50%，算不算基本面拐点？我认为不算，这个如同做过山车，来来回回，上上下下，企业还是那个企业，没啥变化。一家连锁药房，每年不断开新店，每年稳定10%的增长，算不算拐点？不算。所谓拐点，应该是重大变化，而不是微小量级的线性变化。我们寻找的拐点，应该是企业商业模式的重大变革、管理体系的巨大提升、产能几倍级的提升、产品和技术的重大突破，这些导致公司从一个小企业蜕变成一个大中型企业，让企业发展跃升一个大台阶。所以，个人眼中的基本面拐点，是成长股基本面的非线性重大改变，将导致企业未来业绩至少有三五倍以上的提升，让企业有一个巨大的改变。如果用数学术语来说，就是斜率急剧变大的一个区间。5类常见的基本面拐点1、产能大幅扩张，如果下游需求不出问题，那这些新增产能就可以转化为营收和利润、现金流，企业内在价值得到提升。长虹能源、贝特瑞就是这样成为精选层牛股的。另外还有很多大幅扩产能的，比如广东羚光、广德环保、安达科技、佳先股份、中讯四方等。怎么找出这些企业呢？企业要扩产，首先得募资，找那些进行大额定增的；然后买土地建厂房，找那些购买了土地使用权的；然后公司财报上会显示有在建工程项目，找那些在建工程增速很高的。2、并购重组，一次成功的并购重组给企业带来新生。2018年4月，长虹能源完成对动力锂电池企业江苏三杰的股权并购，从碱锰电池进入电动工具锂电池，从此突飞猛进。2020年11月23日，锂电隔膜龙头企业恩捷股份收购纽米科技76．3574％的股权。虽然纽米科技经营很烂，但市场相信恩捷股份可以化腐朽为神奇，将纽米科技尽快实现盈利。广东羚光在2021年2月收购了锂电负极企业天津爱敏特，半年报中进行了并表。这些需要关注北交所和新三板企业公告。3、重磅新产品上市，将让小企业一飞冲天。化工和材料企业的新产品需要经过小试中试大试，小批量大批量生产等多个过程，医药研发需要通过临床前、临床1期、2期、3期等多个阶段，在这个过程中可以密切关注其动态，关注拐点到来。比如丰光精密的谐波减速机，已进入小批量试制及工艺改进阶段，预计2022年将进行测试及试产；亚成微的包络追踪芯片（ET PA），目前估计还处于客户认证或者小批量供货阶段。4、产品结构改变，会让企业发生质的变化。比如海希通讯从代理转向自主品牌，将成为一个依附于他人的代理经销商蜕变为高科技研发企业；通易航天的聚氨酯产品，很可能成为氧气面罩之后的一个新增长极：同惠电子在新能源汽车电池电机电控的安全性测试仪器、半导体封装策略仪器、5G基站供电测试设备等方面都有布局，随着下游需求的快速增长，这些可能占据主要收入来源，收入结构发生重大改变。这些拐点可以在公司年报中的收入结构变化中看到，如果一个企业的毛利率持续提升，也有可能是产品结构调整所致。5、重大技术突破 。比如吉林碳谷，公司的 24K 大丝束产品在 2018 年规模化量产、48K 产品在 2019 年实现规模化量产，实现了技术突破，在之后成为了公司的主力产品，伴随着近两年的产能利用率提升、产能逐步释放，公司的盈利能力快速提升。这类拐点，如果不去实地调研是很难判断出来的，最多从一些新闻报道或者公司发明专利中推断出来。其他拐点类型：比如灵鸽科技获得大族激光投资入股，可能进入宁德时代这个大客户的供应链，比如源培生物，疫苗上游原料，下游需求爆发。 高胜率与高赔率的统一找到了基本面拐点，并不代表就一定可以投资成功。以产能扩张拐点为例，产能扩张过程一定可以顺利吗？会不会延期？会不会遇到工艺问题？产能扩张一定是好事吗？产能过剩怎么办？产品价格下滑，增收不增利怎么办？我们需要从中找出既有高胜率又有高赔率的多个投资标的，然后搭建一个适度分散化的投资组合，这样才能保持投资业绩持续向上。胜率，对应拐点到来的确定性。类似长虹能源、贝特瑞，这类产能扩张拐点就是高胜率，因为技术、工艺和生产线已经很成熟，无非增加设备和人手而已。但是类似于中讯四方、中奥汇成，其胜率就低一些，因为生产工艺很复杂，之前并无大规模量产经验，中间可能会有很多调试试错过程。类似诺思兰德、泽生科技这样的创新药，胜率就更低了，不确定性很大，最终新药能否上市是药监局说了算，不具有很高的把握。赔率，对应拐点有多大。诺思兰德、泽生科技的新药一旦成功上市，广东羚光的半导体和锂电材料一旦扩产成功，未来业绩和股价可能涨10倍、20倍，这就是高赔率。三五倍空间的，属于中赔率。一两倍以下的，属于低赔率。注意，胜率和赔率都是主观判断得来的，不同的投资者会得出差异很大的判断。谁的判断更准，就看谁对行业和企业有更全面准确的认知。通常来说，高胜率和高赔率是难以兼得的。因为如果确定性高，大家都会买入，从而抬高股票估值，降低赔率。如果赔率很高，通常对应的风险较大，不确定性较高。想要找到两者统一的投资机会，确实很难，这样的投资机会也很稀少。但是也不是没有，比如2020年初的长虹能源、连城数控等；2021年初的贝特瑞、 广东羚光、纽米科技等。找到高胜率高赔率的基本面拐点股票，不容易。怎么找？彼得林奇说：“寻找值得投资的好股票，就像在石头下面找小虫子一样。翻开10块石头，可能只会找到一只，翻开20块石头可能找到两只。”所以没有捷径，得靠勤奋，一个个的股票去看，看的多了，就可能找到。看100个没找到，就去看500个股票，看1000个。想轻轻松松的赚大钱，是不存在的，除非有无敌的好运。

欢迎收听雪球和喜马拉雅联合出品的财经有深度，雪球，国内领先的集投资交流交易一体的综合财富管理平台，聪明的投资者都在这里。听众朋友们大家好，我是主播匪石-34，今天分享的稿件名字叫做高胜率高赔率的北交所投资策略，来自安福双。北交所企业和沪深A股企业最大的不同是什么？所处的企业生命周期不一样。北交所企业更早、更小、更新，大多处于初创期和成长初期。比如药品还处于研发阶段还没上市的诺思兰德，还在初创期；比如做锂电负极材料的贝特瑞、做碳纤维原丝的吉林碳谷等，还处于成长初期。而沪深A股大多处于成长中后期，还有很多处于成熟期，如：房地产行业的万科、做空调的格力电器，衰退期：做水泥的海螺水泥、做客车的宇通客车等。那么，对北交所企业来说，就像一个小孩子，很多基本面变化很快，隔几年就有很大变化，不会像A股的贵州茅台、五粮液、中国平安这样的大蓝筹一样稳定增长。所以，喜欢护城河、静态的竞争优势、稳固的竞争格局、现金流折现这些投资理念的传统价值投资方法，可能在北交所不太适用。投资北交所股票，必须用动态眼光去看待，捕捉企业的重大发展变化。个人将这种同样基于价值投资理念但具体方法又有很大区别的投资体系，称为基于基本面拐点的价值投资，更加适合北交所的土壤。基本面拐点的定义某周期股的产品价格上涨50%，算不算基本面拐点？我认为不算，这个如同做过山车，来来回回，上上下下，企业还是那个企业，没啥变化。一家连锁药房，每年不断开新店，每年稳定10%的增长，算不算拐点？不算。所谓拐点，应该是重大变化，而不是微小量级的线性变化。我们寻找的拐点，应该是企业商业模式的重大变革、管理体系的巨大提升、产能几倍级的提升、产品和技术的重大突破，这些导致公司从一个小企业蜕变成一个大中型企业，让企业发展跃升一个大台阶。所以，个人眼中的基本面拐点，是成长股基本面的非线性重大改变，将导致企业未来业绩至少有三五倍以上的提升，让企业有一个巨大的改变。如果用数学术语来说，就是斜率急剧变大的一个区间。5类常见的基本面拐点1、产能大幅扩张，如果下游需求不出问题，那这些新增产能就可以转化为营收和利润、现金流，企业内在价值得到提升。长虹能源、贝特瑞就是这样成为精选层牛股的。另外还有很多大幅扩产能的，比如广东羚光、广德环保、安达科技、佳先股份、中讯四方等。怎么找出这些企业呢？企业要扩产，首先得募资，找那些进行大额定增的；然后买土地建厂房，找那些购买了土地使用权的；然后公司财报上会显示有在建工程项目，找那些在建工程增速很高的。2、并购重组，一次成功的并购重组给企业带来新生。2018年4月，长虹能源完成对动力锂电池企业江苏三杰的股权并购，从碱锰电池进入电动工具锂电池，从此突飞猛进。2020年11月23日，锂电隔膜龙头企业恩捷股份收购纽米科技76．3574％的股权。虽然纽米科技经营很烂，但市场相信恩捷股份可以化腐朽为神奇，将纽米科技尽快实现盈利。广东羚光在2021年2月收购了锂电负极企业天津爱敏特，半年报中进行了并表。这些需要关注北交所和新三板企业公告。3、重磅新产品上市，将让小企业一飞冲天。化工和材料企业的新产品需要经过小试中试大试，小批量大批量生产等多个过程，医药研发需要通过临床前、临床1期、2期、3期等多个阶段，在这个过程中可以密切关注其动态，关注拐点到来。比如丰光精密的谐波减速机，已进入小批量试制及工艺改进阶段，预计2022年将进行测试及试产；亚成微的包络追踪芯片（ET PA），目前估计还处于客户认证或者小批量供货阶段。4、产品结构改变，会让企业发生质的变化。比如海希通讯从代理转向自主品牌，将成为一个依附于他人的代理经销商蜕变为高科技研发企业；通易航天的聚氨酯产品，很可能成为氧气面罩之后的一个新增长极：同惠电子在新能源汽车电池电机电控的安全性测试仪器、半导体封装策略仪器、5G基站供电测试设备等方面都有布局，随着下游需求的快速增长，这些可能占据主要收入来源，收入结构发生重大改变。这些拐点可以在公司年报中的收入结构变化中看到，如果一个企业的毛利率持续提升，也有可能是产品结构调整所致。5、重大技术突破 。比如吉林碳谷，公司的 24K 大丝束产品在 2018 年规模化量产、48K 产品在 2019 年实现规模化量产，实现了技术突破，在之后成为了公司的主力产品，伴随着近两年的产能利用率提升、产能逐步释放，公司的盈利能力快速提升。这类拐点，如果不去实地调研是很难判断出来的，最多从一些新闻报道或者公司发明专利中推断出来。其他拐点类型：比如灵鸽科技获得大族激光投资入股，可能进入宁德时代这个大客户的供应链，比如源培生物，疫苗上游原料，下游需求爆发。 高胜率与高赔率的统一找到了基本面拐点，并不代表就一定可以投资成功。以产能扩张拐点为例，产能扩张过程一定可以顺利吗？会不会延期？会不会遇到工艺问题？产能扩张一定是好事吗？产能过剩怎么办？产品价格下滑，增收不增利怎么办？我们需要从中找出既有高胜率又有高赔率的多个投资标的，然后搭建一个适度分散化的投资组合，这样才能保持投资业绩持续向上。胜率，对应拐点到来的确定性。类似长虹能源、贝特瑞，这类产能扩张拐点就是高胜率，因为技术、工艺和生产线已经很成熟，无非增加设备和人手而已。但是类似于中讯四方、中奥汇成，其胜率就低一些，因为生产工艺很复杂，之前并无大规模量产经验，中间可能会有很多调试试错过程。类似诺思兰德、泽生科技这样的创新药，胜率就更低了，不确定性很大，最终新药能否上市是药监局说了算，不具有很高的把握。赔率，对应拐点有多大。诺思兰德、泽生科技的新药一旦成功上市，广东羚光的半导体和锂电材料一旦扩产成功，未来业绩和股价可能涨10倍、20倍，这就是高赔率。三五倍空间的，属于中赔率。一两倍以下的，属于低赔率。注意，胜率和赔率都是主观判断得来的，不同的投资者会得出差异很大的判断。谁的判断更准，就看谁对行业和企业有更全面准确的认知。通常来说，高胜率和高赔率是难以兼得的。因为如果确定性高，大家都会买入，从而抬高股票估值，降低赔率。如果赔率很高，通常对应的风险较大，不确定性较高。想要找到两者统一的投资机会，确实很难，这样的投资机会也很稀少。但是也不是没有，比如2020年初的长虹能源、连城数控等；2021年初的贝特瑞、 广东羚光、纽米科技等。找到高胜率高赔率的基本面拐点股票，不容易。怎么找？彼得林奇说：“寻找值得投资的好股票，就像在石头下面找小虫子一样。翻开10块石头，可能只会找到一只，翻开20块石头可能找到两只。”所以没有捷径，得靠勤奋，一个个的股票去看，看的多了，就可能找到。看100个没找到，就去看500个股票，看1000个。想轻轻松松的赚大钱，是不存在的，除非有无敌的好运。

欢迎收听雪球和喜马拉雅联合出品的财经有深度，雪球，国内领先的集投资交流交易一体的综合财富管理平台，聪明的投资者都在这里。听众朋友们大家好，我是主播匪石-34，今天分享的稿件名字叫做高胜率高赔率的北交所投资策略，来自安福双。北交所企业和沪深A股企业最大的不同是什么？所处的企业生命周期不一样。北交所企业更早、更小、更新，大多处于初创期和成长初期。比如药品还处于研发阶段还没上市的诺思兰德，还在初创期；比如做锂电负极材料的贝特瑞、做碳纤维原丝的吉林碳谷等，还处于成长初期。而沪深A股大多处于成长中后期，还有很多处于成熟期，如：房地产行业的万科、做空调的格力电器，衰退期：做水泥的海螺水泥、做客车的宇通客车等。那么，对北交所企业来说，就像一个小孩子，很多基本面变化很快，隔几年就有很大变化，不会像A股的贵州茅台、五粮液、中国平安这样的大蓝筹一样稳定增长。所以，喜欢护城河、静态的竞争优势、稳固的竞争格局、现金流折现这些投资理念的传统价值投资方法，可能在北交所不太适用。投资北交所股票，必须用动态眼光去看待，捕捉企业的重大发展变化。个人将这种同样基于价值投资理念但具体方法又有很大区别的投资体系，称为基于基本面拐点的价值投资，更加适合北交所的土壤。基本面拐点的定义某周期股的产品价格上涨50%，算不算基本面拐点？我认为不算，这个如同做过山车，来来回回，上上下下，企业还是那个企业，没啥变化。一家连锁药房，每年不断开新店，每年稳定10%的增长，算不算拐点？不算。所谓拐点，应该是重大变化，而不是微小量级的线性变化。我们寻找的拐点，应该是企业商业模式的重大变革、管理体系的巨大提升、产能几倍级的提升、产品和技术的重大突破，这些导致公司从一个小企业蜕变成一个大中型企业，让企业发展跃升一个大台阶。所以，个人眼中的基本面拐点，是成长股基本面的非线性重大改变，将导致企业未来业绩至少有三五倍以上的提升，让企业有一个巨大的改变。如果用数学术语来说，就是斜率急剧变大的一个区间。5类常见的基本面拐点1、产能大幅扩张，如果下游需求不出问题，那这些新增产能就可以转化为营收和利润、现金流，企业内在价值得到提升。长虹能源、贝特瑞就是这样成为精选层牛股的。另外还有很多大幅扩产能的，比如广东羚光、广德环保、安达科技、佳先股份、中讯四方等。怎么找出这些企业呢？企业要扩产，首先得募资，找那些进行大额定增的；然后买土地建厂房，找那些购买了土地使用权的；然后公司财报上会显示有在建工程项目，找那些在建工程增速很高的。2、并购重组，一次成功的并购重组给企业带来新生。2018年4月，长虹能源完成对动力锂电池企业江苏三杰的股权并购，从碱锰电池进入电动工具锂电池，从此突飞猛进。2020年11月23日，锂电隔膜龙头企业恩捷股份收购纽米科技76．3574％的股权。虽然纽米科技经营很烂，但市场相信恩捷股份可以化腐朽为神奇，将纽米科技尽快实现盈利。广东羚光在2021年2月收购了锂电负极企业天津爱敏特，半年报中进行了并表。这些需要关注北交所和新三板企业公告。3、重磅新产品上市，将让小企业一飞冲天。化工和材料企业的新产品需要经过小试中试大试，小批量大批量生产等多个过程，医药研发需要通过临床前、临床1期、2期、3期等多个阶段，在这个过程中可以密切关注其动态，关注拐点到来。比如丰光精密的谐波减速机，已进入小批量试制及工艺改进阶段，预计2022年将进行测试及试产；亚成微的包络追踪芯片（ET PA），目前估计还处于客户认证或者小批量供货阶段。4、产品结构改变，会让企业发生质的变化。比如海希通讯从代理转向自主品牌，将成为一个依附于他人的代理经销商蜕变为高科技研发企业；通易航天的聚氨酯产品，很可能成为氧气面罩之后的一个新增长极：同惠电子在新能源汽车电池电机电控的安全性测试仪器、半导体封装策略仪器、5G基站供电测试设备等方面都有布局，随着下游需求的快速增长，这些可能占据主要收入来源，收入结构发生重大改变。这些拐点可以在公司年报中的收入结构变化中看到，如果一个企业的毛利率持续提升，也有可能是产品结构调整所致。5、重大技术突破 。比如吉林碳谷，公司的 24K 大丝束产品在 2018 年规模化量产、48K 产品在 2019 年实现规模化量产，实现了技术突破，在之后成为了公司的主力产品，伴随着近两年的产能利用率提升、产能逐步释放，公司的盈利能力快速提升。这类拐点，如果不去实地调研是很难判断出来的，最多从一些新闻报道或者公司发明专利中推断出来。其他拐点类型：比如灵鸽科技获得大族激光投资入股，可能进入宁德时代这个大客户的供应链，比如源培生物，疫苗上游原料，下游需求爆发。 高胜率与高赔率的统一找到了基本面拐点，并不代表就一定可以投资成功。以产能扩张拐点为例，产能扩张过程一定可以顺利吗？会不会延期？会不会遇到工艺问题？产能扩张一定是好事吗？产能过剩怎么办？产品价格下滑，增收不增利怎么办？我们需要从中找出既有高胜率又有高赔率的多个投资标的，然后搭建一个适度分散化的投资组合，这样才能保持投资业绩持续向上。胜率，对应拐点到来的确定性。类似长虹能源、贝特瑞，这类产能扩张拐点就是高胜率，因为技术、工艺和生产线已经很成熟，无非增加设备和人手而已。但是类似于中讯四方、中奥汇成，其胜率就低一些，因为生产工艺很复杂，之前并无大规模量产经验，中间可能会有很多调试试错过程。类似诺思兰德、泽生科技这样的创新药，胜率就更低了，不确定性很大，最终新药能否上市是药监局说了算，不具有很高的把握。赔率，对应拐点有多大。诺思兰德、泽生科技的新药一旦成功上市，广东羚光的半导体和锂电材料一旦扩产成功，未来业绩和股价可能涨10倍、20倍，这就是高赔率。三五倍空间的，属于中赔率。一两倍以下的，属于低赔率。注意，胜率和赔率都是主观判断得来的，不同的投资者会得出差异很大的判断。谁的判断更准，就看谁对行业和企业有更全面准确的认知。通常来说，高胜率和高赔率是难以兼得的。因为如果确定性高，大家都会买入，从而抬高股票估值，降低赔率。如果赔率很高，通常对应的风险较大，不确定性较高。想要找到两者统一的投资机会，确实很难，这样的投资机会也很稀少。但是也不是没有，比如2020年初的长虹能源、连城数控等；2021年初的贝特瑞、 广东羚光、纽米科技等。找到高胜率高赔率的基本面拐点股票，不容易。怎么找？彼得林奇说：“寻找值得投资的好股票，就像在石头下面找小虫子一样。翻开10块石头，可能只会找到一只，翻开20块石头可能找到两只。”所以没有捷径，得靠勤奋，一个个的股票去看，看的多了，就可能找到。看100个没找到，就去看500个股票，看1000个。想轻轻松松的赚大钱，是不存在的，除非有无敌的好运。

In this special series of the podcast, I'll be speaking with 13 female podcasters at different stages of their podcasting journey. We'll chat about the lessons they've learnt, the challenges they've overcome and what advice they would give to aspiring podcasters. These women are so inspiring - and I have no doubt that after you've listened to their stories, you'll feel empowered to start your own.  Joining me in this episode of the Spotlight Series of the podcast is Chelsea Riffe.  Chelsea is a Mindset + Podcast Coach and Host of In My Non-Expert Opinion podcast! She's had a variety of guests on, including Gabby Bernstein, The Royal Shaman, Topsie Vandenbosch, Lauryn Evarts Bosstick + more. Her podcast covers lifestyle, entrepreneurship, money, spirituality and mental health, and has over 48K+ downloads. Chelsea currently works with clients to launch their podcast, and assists them in navigating the ups and downs of entrepreneurship. Her work can be experienced in a variety of ways, including audio courses, masterclasses, workshops and private coaching. She loves traveling, podcasts, cooking, pilates, the beach, astrology, rap music, and documentaries! In this episode we discuss: Chelsea's journey from salesperson to Mindset + Podcast Coach The importance of storytelling podcasting  Tips for conducting a great podcast interview The challenges of travelling the world whilst running a business    Connect with the host LinkedIn  Instagram Website   Connect with Chelsea Website Instagram Podcast  Mic Drop Course 

PSY-POD is a podcast about nothing. Unfiltered, unedited and unscripted continuous banter filled conversation. Sangay Choephel is a TikTok personality. With over 48K followers on the app, he has become one of the most recognized "TikTokers" in Bhutan. When he is not making content on the app, he works as a general manager at a hotel. Sangay talks about his rise to TikTok fame and the opportunities it has given him and also his entrance in the vloging community.

In this episode, I dive deeply into the exact steps I took that allowed me to make $48K in one day while sipping on a latte. For more information on the Divine Femme Money Show and Ingrid Arna visit ingridarna.com/show

Facing a struggle where you can't balance the money that's coming in?At times we face not having the right amount of knowledge to understand what's truly happening and how to face it.We go based on our emotions for spending and then we wonder what's left and why our jobs won't pay us enough.In this episode we go over: 1) How to balance being unemployed and spending habits2) The biggest problem we face financially3) Money Mindset4) Why some high level paid individuals still face money issues5) Job performance & IncomeMore on Cassie:Cassie Moore is a money mindset mentor and host of The Get Fit podcast. On a mission to empower women to take control of their finances, get out of debt, and fall in love with money. Having paid off 48K in debt in 19 months using her Signature Budget Blueprint which blends practical money management with soulful purchases, instead of the typical shame-filled forced changes. You can have it all when it comes to money, saving, spending, and enjoying yourself. Join the Money Works Facebook Grouphttps://www.facebook.com/groups/moneyworkstribeCurrently accepting 1:1 clients DM for info:Instagram @cassieannemoore Clubhouse @cassmooremoneyReady to get your LinkedIn profile optimized so you can gain more job opportunities?CLICK HERE TO LEARN MOREWant to dive deeper and get the coaching you need to be a leader in 2021? CLICK HEREFIND MELISSA CARVALHO:Connect with me and send me a message over on LinkedIn: CLICK HERE

Bitcoin mining (high electricity cost, best locations), diabling PC power button (if placement is annoying), VHS to DVD conversion (VIDBOX Video Conversion Kit for PC), copy paste iPhone to Windows (use Magic Copy app), smart speaker privacy concerns (not as bad as you think), Profiles in IT (Gladys Mae West, calculated geodesy data for GPS), Observations from the Bunker (five things that education should provide), Tip of the Week (iPhone virtual trackpad mode), Bitcoin surges past $48K, first Bitcoin ETF (approved in Canada), and ATT shamed by angry user (with $10K WSJ ad). This show originally aired on Saturday, February 13, 2021, at 9:00 AM EST on WFED (1500 AM).