Podcasts about Advantageous

Rethink Ireland launched a €1.6 million Empower Tech Futures Fund, to tackle disparities in opportunity and access to employment for marginalised young adults. Applications for this fund - with the support of JPMorganChase, the Department of Rural and Community Development and BNY - can be made at rethinkireland.ie/open-funds/ and will be open until 15 May 2025. Rethink Ireland is the funding body thinking differently to create a more just, equal and sustainable Ireland. This transformative three-year fund will award cash grants and provide dedicated business support to up to five pioneering projects or organisations based in Dublin and/or Cork committed to breaking down the barriers that prevent vulnerable young adults from accessing employment. These challenges include a lack of awareness about career opportunities, gaps in essential technical and digital skills sought by employers, and insufficient support networks to secure and sustain meaningful employment. Empower Tech Futures Fund Employment for Young Adults By tackling these obstacles head-on via skills training and direct work placements, the Fund - which has a special emphasis on digital and technology skills - will provide young adults with the confidence and connections to build lasting careers. Commenting on the Empower Tech Futures Fund, Deirdre Mortell, CEO, Rethink Ireland, said: "Every young person deserves the opportunity to build a brighter future, regardless of their background. Over the next three years, this fund will equip young adults with the necessary skills, knowledge, and networks to thrive in the 21st-century workforce bridging the skills gap, breaking down barriers to employment, providing holistic support, building employability skills, as well as enhancing the workforce development ecosystem. "We know that young people love tech, grabbing their parents' phones as soon as they are old enough to grasp! But at the same time the first generation of digital natives don't always have the digital skills needed in a workplace. With funds like this, we want to eradicate unemployment gaps and create pathways into sustainable careers, particularly in the growing tech sector." To be eligible for application an organisation must: Be based in Dublin and/or Cork Focus on young people aged 18-30 who are marginalised in the labour market. Support young people into quality internship, employment and/or apprenticeship programmes and/or full-time & paid work placements. Take a holistic approach based on the range of barriers to employment for young people. Have the motivation, capacity and a credible plan to scale their services to reach more marginalised young people over time. Advantageous criteria include projects actively engaging with young marginalised adults in the design of their programmes; and those seeking to develop digital and technology skills that are in demand across a range of employment sectors. Commenting on why they are partnering with Rethink Ireland to create this fund, Marc Hussey, Senior Country Officer, JPMorganChase Ireland said: "We remain committed to helping young people develop digital and technology skills to access jobs in high-demand sectors. We believe that business has a role to play in tackling challenges to employment in Ireland, including difficulty accessing technical skills and support networks. Our firm is committed to advancing a sustainable and inclusive economy and the Empower Tech Futures Fund is a crucial part of these efforts in Ireland" Paul Kilcullen, CEO BNY Fund Services, Ireland Country Head added: "This collaborative endeavour and dedicated fund will serve to empower young adults from disadvantaged areas in gaining access to tangible support networks, employment programmes and crucial skills development. BNY is proud to be part of this exciting new initiative in collaboration with Rethink Ireland, JPMorganChase, and the Irish Government through the Department of Rural and Community Development. Ireland has a s...

Rethink Ireland has launched a €1.6 million Empower Tech Futures Fund, to tackle disparities in opportunity and access to employment for marginalised young adults. Applications for this fund - with the support of JPMorganChase, the Department of Rural and Community Development and BNY - can be made at rethinkireland.ie/open-funds/ and will be open until 15 May 2025. Rethink Ireland is the funding body thinking differently to create a more just, equal and sustainable Ireland. This transformative three-year fund will award cash grants and provide dedicated business support to up to five pioneering projects or organisations based in Dublin and/or Cork committed to breaking down the barriers that prevent vulnerable young adults from accessing employment. These challenges include a lack of awareness about career opportunities, gaps in essential technical and digital skills sought by employers, and insufficient support networks to secure and sustain meaningful employment. By tackling these obstacles head-on via skills training and direct work placements, the Fund - which has a special emphasis on digital and technology skills - will provide young adults with the confidence and connections to build lasting careers. Commenting on the Empower Tech Futures Fund, Deirdre Mortell, CEO, Rethink Ireland, said: "Every young person deserves the opportunity to build a brighter future, regardless of their background. Over the next three years, this fund will equip young adults with the necessary skills, knowledge, and networks to thrive in the 21st-century workforce bridging the skills gap, breaking down barriers to employment, providing holistic support, building employability skills, as well as enhancing the workforce development ecosystem. "We know that young people love tech, grabbing their parents' phones as soon as they are old enough to grasp! But at the same time the first generation of digital natives don't always have the digital skills needed in a workplace. With funds like this, we want to eradicate unemployment gaps and create pathways into sustainable careers, particularly in the growing tech sector." To be eligible for application an organisation must: · Be based in Dublin and/or Cork · Focus on young people aged 18-30 who are marginalised in the labour market. · Support young people into quality internship, employment and/or apprenticeship programmes and/or full-time & paid work placements. · Take a holistic approach based on the range of barriers to employment for young people. · Have the motivation, capacity and a credible plan to scale their services to reach more marginalised young people over time. Advantageous criteria include projects actively engaging with young marginalised adults in the design of their programmes; and those seeking to develop digital and technology skills that are in demand across a range of employment sectors. Commenting on why they are partnering with Rethink Ireland to create this fund, Marc Hussey, Senior Country Officer, JPMorganChase Ireland said: "We remain committed to helping young people develop digital and technology skills to access jobs in high-demand sectors. We believe that business has a role to play in tackling challenges to employment in Ireland, including difficulty accessing technical skills and support networks. Our firm is committed to advancing a sustainable and inclusive economy and the Empower Tech Futures Fund is a crucial part of these efforts in Ireland" Paul Kilcullen, CEO BNY Fund Services, Ireland Country Head added: "This collaborative endeavour and dedicated fund will serve to empower young adults from disadvantaged areas in gaining access to tangible support networks, employment programmes and crucial skills development. BNY is proud to be part of this exciting new initiative in collaboration with Rethink Ireland, JPMorganChase, and the Irish Government through the Department of Rural and Community Development. "Ireland has a strong foundation within its education s...

Send us a textReady to slash your tax bill? Schedule your free consultation and let's strategize your tax savings together! Book now at: https://www.prosperlcpa.com/apply Or, if you still need more time, here are some other ways to begin winning the tax game...  At the very least, get on our newsletter to gain access to free live events and exclusive insight you won't find anywhere else: https://www.prosperlcpa.com/newsletter-subscription Unlock the secrets to saving big on taxes for high earners—join our FREE live Tax Q&A calls Wednesdays at 3pm EST Reserve your spot now at: https://www.prosperlcpa.com/live-qa Get your FREE Personalized Tax Planning Video at: https://www.prosperlcpa.com/5minutetaxplan  Make the most of the available tax strategies for real estate investors and gain access to reliable guidance, expense templates and workpapers with our Essential Tax Planning for Real Estate Investors CourseThis episode highlights the surprising benefits of being a W-2 employee, emphasizing untapped financial advantages and a more stable lifestyle compared to entrepreneurship. We discuss practical strategies for maximizing tax benefits, maintaining work-life balance, and exploring opportunities to bridge entrepreneurial aspirations within traditional employment settings.• Exploring the misconception that W-2 employment lacks financial advantages • Discussing how steady pay and job security offer vital emotional comfort • Revealing hidden tax strategies for W-2 employees to maximize savings • Encouraging work-life balance through company-supported time off • Offering ways to cultivate an entrepreneurial mindset within W-2 roles • Explaining proactive tax withholding adjustments to improve cash flow

When Bitcoin Someday Becomes Displaced (Replaced) By a More Technologically Advantageous Crypto or Technology

Many conservatives champion state's rights, but in this episode, I will explain why this may be less advantageous than local rights.

Jeff and Phil welcome filmmaker Jennifer Phang, director of Descendants: The Rise of Red, the latest installment of Disney's massively popular musical teen fantasy film series. They talk about her indie Asian American cinema roots with films like Half-Life and Advantageous, infusing some K-pop sensibility into a beloved and well-established franchise, and crafting the extreme meme-ability of "Jaladdin." 

Director Jennifer Phang has helmed episodes of some major shows -- THE BOYS, RIVERDALE, THE EXPANSE, RESIDENT ALIEN, THE FLIGHT ATTENDANT, and more. Her latest film is Disney's DESCENDANTS: THE RISE OF RED. In this conversation, themes of humanity, mother/daughter relationships, and robots of all stripes abound in this episode, and no wonder, when Jennifer's brought us the rich dual Grace Park roles of Boomer and Athena from beloved '00s sci-fi series BATTLESTAR GALACTICA. Then, Jordan has one quick thing about the upcoming Big Bad Film Fest, which celebrates independent stunt and action films.ADVANTAGEOUS (Phang, 2015)DESCENDANTS: THE RISE OF RED (Phang, 2024)A.I. (Spielberg, 2001)BATTLESTAR GALACTICA (2003-2009)***With Jordan Crucchiola and Jennifer Phang

Welcome back to the Rock ‘n Roll Ghost Podcast. On this week's episode, the Ghost speaks with filmmaker Jennifer Phang about the hit Disney original movie Descendants: The Rise of Red (currently on Disney+ and hitting The Disney Channel on August 08th). The Rise of Red is the highest rated original movie premiere on the streaming service. Phang (pronounced Pong) discusses how she and her team worked to ensure that this fourth installment of the Descendants franchise would be a true crowd pleaser. She also talks about her career in independent film (Half-Life, Advantageous), TV work (The Boys, Agents of S.H.I.E.L.D.), as well as the movies made by Asian filmmakers that inspired her to become a filmmaker. Descendants: The Rise of Red is streaming now on Disney+ and coming to The Disney Channel on August 08th. Links: Jennifer Phang Descendants: The Rise of Red --- Support this podcast: https://podcasters.spotify.com/pod/show/brett-hickman/support

It's that "School's Out for the Summer" feeling - How do we cultivate that all the time? Today we want to stir that feeling up for you, and see what that inspires within you! We're sharing ideas about PLAY, POSSIBILITY & granting yourself PERMISSION. What you will learn in this episode: Why Play is Productive and Advantageous! How do you know if you're "playing" How to use your Summer as a Catalyst for Growth How to find more Freedom this Summer How to give yourself permission Resources shared on this episode: Creative Camp! - Join my friend Christina's playful challenge! Play - Stuart Brown Homebody DIY Happy Summer you Beautiful People! Please let us know if this inspires any fun ideas for you!

Are you frustrated with dreading productivity expectations at your facility? Or maybe you are fed up with feeling like you are constantly battling the clock…. This episode encourages you to reclaim productivity in your favor and your patients! In this episode of the Swallow Your Pride Podcast, have a conversation with Theresa Richard MA CCC-SLP, BCS-S and her fellow colleague, Lysa Johnson, who is a Speech Language Pathologist (SLP), Clinical Mentor, and Rehabilitation Program Development Specialist. Lysa explains her personal experience with new documentation for caregiver training and Medicare changes, and Theresa advocates for self-education and effective communication, as crucial steps to overcoming productivity challenges. This episode is inspirational for providers and patients, alike! Listen, learn, and let's revolutionize the way we view and handle productivity in speech-language pathology together. Don't miss out on the FREE virtual workshop, starting February 19, with specialized training continuing the conversation of improving your productivity, as a MedSLP! Message “PRODUCTIVITY” to Theresa's Instagram or visit the MedSLP Collective website to learn more and register. https://syppodcast.com/315 The post 315 – Transforming Productivity: From Dreaded to Advantageous appeared first on Swallow Your Pride Podcast.

In honor of Rebbetzin Chaya Mushka, wife of the Rebbe, on the auspicious occasion of her yahrtzeit. 22 Shevat | Day 63 | Leap Year The Poodle and the Mona Lisa: When our lowliness is advantageous -- Can you spare four minutes a day to gain deeper insight into yourself, your soul, your spiritual make-up, your personal purpose, and how to enjoy a meaningful relationship with G-d? If yes, Let's Talk Tanya. Tanya, the seminal work of Chabad Chasidism, is the personal owner's manual for the Jew who seeks to serve G-d and live a life suffused with holiness, purpose, and joy. Let's Talk Tanya is a daily series that attempts to translate the Tanya into resonant and relevant language Tanya is divided into daily portions. Following this regimen, one concludes the Tanya every year. Let's Talk Tanya, in 4 minutes on average, briefly reviews the day's segment, conveys its basic ideas, and zooms in on one large idea. To watch, listen, or subscribe to Let's Talk Tanya: YouTube: https://www.youtube.com/@LetsTalkTanya Spotify: https://spoti.fi/3uFNrie Apple Podcasts: https://apple.co/3BqG9Tm Google Podcasts: https://bit.ly/3FMnvrs Instagram: https://www.instagram.com/letstalktanya/ Twitter: https://twitter.com/LetsTalkTanya www.letstalktanya.com To donate or for dedication opportunities, please visit letstalktanya.com/donate or reach us at contact@letstalktanya.com Have Tanya questions? Submit questions for possible inclusion in a future Tanya Q&A Segment: letstalktanya@gmail.com __ The full text of the daily Tanya is available at: www.Chabad.org/DailyTanya

ESPN, NHL Network and TSN Hockey Analyst Kevin Weekes joined OverDrive to give his opinion on the state of the Maple Leafs, Toronto's tandem for the season, the Leafs' views in adding pieces, the Canucks' sights for the Stanley Cup, the Flyers continuing to turn the corner and more.

-1- Truthfulness is to be Lived- -2- Truthfulness is Advantageous- -3- Truthfulness is Enduring- -4- Truthfulness is to be Cultivated- -5- Truthfulness is Rewarded.

EP313 - Holiday 2023 Preview with Rob Garf of Salesforce Episode 313 is preview of Holiday 2023 with Rob Garf, Vice President and General Manager, Retail at Salesforce. This is Robs' fifth time on the show, having previously been on episodes 110, 248, 282, and 299. It's happened again. Your Halloween decorations have come down (or at least your pumpkin is not in good shape), you survived Amazon Prime Big Deal Days, and now you're getting ready to ditch your in-laws and enjoy one of the most exciting retail weeks of the year. Yes, it's time for Holiday 2023! This year, we've decided to do things a bit different by previewing the holiday in advance of Turkey 5. Rob Garf has kindly joined to walk us through Salesforce's e-commerce forecast for November and December, and we compare it to all the other forecasts out there (NRF, Deloitte, Bain, US Dept of Commerce). In addition to the top line forecasts, we touch on retail versus e-commerce, changing shape of the holiday, discounting climate, inventory and supply chain impacts, top performing categories, the economy, and the impact of rapidly growing Chinese brands (Temu, Shein, TikTok). Throughout this episode make liberal use of real-time data from Salesforce Shopping Insights HQ, which tracks how 1.5+ billion consumers are shaping shopping trends. You can see a real-time holiday dashboard, powered by Tableau so you can interact with the data yourself on the Salesforce Holiday Insights page. Episode 313 of the Jason & Scot show was recorded on Wednesday November 8th, 2023. http://jasonandscot.com Join your hosts Jason "Retailgeek" Goldberg, Chief Commerce Strategy Officer at Publicis, and Scot Wingo, CEO of GetSpiffy and Co-Founder of ChannelAdvisor as they discuss the latest news and trends in the world of e-commerce and digital shopper marketing. Transcript Jason: [0:23] Welcome to the Jason and Scot show this is episode 313 being recorded on Wednesday November 8th 2023 I'm your host Jason retailgeek Goldberg and as usual I'm here with your co-host Scot Wingo. Scot: [0:39] Hey Jason and welcome back Jason and Scot show listeners Jason is 3:13 the lucky number I had the 13 is kind of on there so I think we'll count it. Jason: [0:48] It's a lot of threes. Scot: [0:50] Yeah yeah I think it's a primal have to get one of our research analyst to work on the okay so we are recording this in early November as Jason said so at that critical part of the retail calendar all the plans are laid the discounts are on the table Cyber Monday. Thanksgiving Black Friday everything's teed up and everyone's waiting in anticipation of what holiday is going to bring us this year. And we know longtime listeners will know that our holiday turkey five coverage with a lot of sprinkling of data is second to none in the industry and this year we're going to take it up a notch in past years we've had our friend of the show Rob Garf VP and GM for retail at Salesforce on after the turkey 5 give us a real-time view of what they saw and for those of you that have been with us very long time this is her Jason's mom primarily those were episodes 110 249 282 and 299 man that's quite a track record this year we are going to take it up and have a delicious rub Garf before and after holiday sandwich it's kind of like that turkey sandwich but we're going to kind of sample it here before we even even have Thanksgiving. Rob before I before I go on welcome back for the fifth and I think record time on the show. Rob: [2:11] Wow I love it this is I will have to call the Guinness book up and make sure we get this knocked in memory on this is fantastic it's always good to be here and even better Scott and Jason and first of all thank you for having me on doing a little bit of a preview because as you mention were normally crawling through the data talking about the holiday weekend and seeing where everything lands after the critical time period and it's fun to take a little bit of a sneak preview and look at what we're anticipating and what we're seeing going into as you mentioned one of the most critical times of the year. Jason: [2:45] I think you're exactly right Rob I don't know why we didn't think of this sooner I feel like they should have always been part of our holiday tradition. And I do feel like we're getting all of the Rob protein with none of the nasty carbs so that's like a. Particularly healthy Thanksgiving treat but Rob before we jump into all of the good data remind listeners what the heck it is you do for Salesforce and how you get all this juicy data. Rob: [3:13] Yeah that's awesome let's by the way the listeners decide you know how. Advantageous this is after the fact I hope it is and again we'll do our best so yeah and I've been I always thinking about it thinking into this conversation now at Salesforce for over 7 years but I came. To the CRM Leader by way of demand where and if you remember demandware now Commerce Cloud was the leader and the cloud space and we instrumented the platform early on to get access to everything that flows. Through our Cloud so you think about all the Taps all the clicks all the swipes. [3:48] Now we don't have any access to personally identifiable information but we bubble that up and it becomes really The Benchmark for what's happening in digital and over the years we've included. Things from marketing and Service as well to look at a more complete buyers Journey. [4:08] And it's been really fun each quarter we release our shopping index which is available on salesforce.com built on Tableau and it's interactive so you can slice and dice it by vertical and by geography and it really helps. Retailers gauge how they're doing vis-à-vis their peer set which of course is extremely important anytime of the year but certainly even more important during. The holiday week now I think there's one thing that I sometimes forget to say so I want to make sure right cover it now which is. Our index and by virtue of that our benchmarks are from a outside in perspective so they are a look at the entire industry, not just Salesforce data we've modeled this over the last 10 years since its Inception so it's really intended to look at. The overall industry and benchmarking how peers are doing rather than speaking to anything that Salesforce is doing so that's my quick infomercial but hopefully more than anything just a little bit of credibility as to where we get the data, what we do with it and most importantly the conversations were able to have similar to what we're doing here. Jason: [5:19] God so that that sounds perfect. I do want just a couple clarifying questions before we jump into the actual data because I know we're going to talk about holiday like what is your official definition of holiday what what dates are you looking at. Rob: [5:38] Yeah thanks for asking that's always an important question so we've defined it over the years as the complete November and December so that's our holiday our peak season look. And we look at in particular for again the holiday weekend I know you call it cyber five or thirty five, we have cyber week which starts the Tuesday before, American Thanksgiving and works its way through Cyber Monday it's just something we started from the beginning and 4y like to like, your rear comparisons we've kept that intact so in on referencing cyber week or cyber five it's really looking at those, those seven days now of course the definition by some has been elongated and I hope we'll get into that in terms of when does the official real demand start but to answer your question straight on Jason it's for us at Salesforce November December. Jason: [6:27] Got it and so for historical purposes you've always been located in November December and then you're predominantly or exclusively focused on digital sales so you're you're reporting on what actually happened and forecasting what you think is going to happen in terms of e-commerce sales but unless I had this wrong you guys don't put a flag in the ground on on what you think is going to happen in brick-and-mortar is that true. Rob: [6:50] That is accurate now we do kind of go on the fringes a little bit because the bleeding between online or the blurring I should say between online and offline so we do have, data on buy online pick up at store we do have data on returns as well which is by virtue of, definition multi-channel omni-channel type of process but we don't put a stake in the ground because we just don't have the intrinsic data to be able to bubble that up and provide on the actuals. Jason: [7:20] Sure and then one other fun fact you reference the shopping index and you always have like the quarterly recap on there but I think. For sure during holidays and I think you're going to tell me your round you actually have a real-time dashboard up there so it's kind of a fun thing during the individual days of cyber week to kind of pop in and see see what's going on after your family Thanksgiving dinner to see if you're still going to have a retail job when this is all over. Rob: [7:50] Yeah yeah we do exactly so during particularly cyber week each morning the team is getting up super early as you can imagine and work around through the data and we're updating in real-time the data from the previous day and so for any retailer who is looking for the latest and greatest certainly by I would say 10:00 eastern time at the latest you will get that and see that up there we do have many customers who do use that in there Roundtable boardroom discussions each day to understand how they're doing it repairing it and more than anything Jason truth be told we need to get it up that early because our boss this guy named Marc benioff is typically texting us saying where's the data because I want to tweet it so yeah as much of a motivator as anything else. Scot: [8:40] Always fun when you get the text from The Seer. Jason: [8:44] Slack's slacks the he sends wax not to. Scot: [8:48] A slacks yes sorry I was off I was off brand for a second yeah he Einsteins it to his his Einstein slacks you. You mentioned one follow-up on that you mentioned American Thanksgiving that prompted me to ask this is largely we're talking about the u.s. here primarily we're not going to this is an international I'm sure you can go International but, we're doing more us right. Rob: [9:12] Yeah I'm prepared to do whatever I thought we'd probably borrow a bit more into us but we do have Global numbers but yeah. Scot: [9:20] Okay we have time Jason's obsessed with these Chinese companies I'm sure he'll ask you some questions so. Rob: [9:25] That's fair that wouldn't. Scot: [9:26] Yeah he gets all his clothes from she in any way. So before we dive into the topic du jour which is this year's holiday 2023 maybe recap for listeners kind of that you know. I know we had you on but the dust has settled and I'm sure you're going back and looking at it now with holiday 22 what were some of the bullet items that you kind of you you're thinking about as we go into 23. Rob: [9:56] Scot you don't think the listeners have totally taken This to Memory what we talked about last November 29 come on. You're probably right that's fine yeah I get it not all of us live and breathe this but yeah let's bring us back and you know actually if I could just for a minute, to put 2022 in context you need to think a little bit about 2021 and let me just spend a minute there and then I'll fast forward to 22 which is if you remember some of us don't want to in 2021 it was truly one of the first times that demand, actually got pulled forward in the holiday season and the reason was. The first mile delivery issues were stuck if you remember so many products were stuck in the port in the US of a Lala. The containers if they even got to the port or having a difficult time getting off the ship in into the domestic supply chain and people saw a headline after headline when I say people like consumers by or shoppers and they realized if they didn't buy early in the season. [11:03] They might not get the product that they actually want because in the past they would just have a waiting game and wait for the last and final deal and so. Demand got pulled earlier in the season and oh by the way retailers didn't have to Discount as steep as they normally do so going into 2020 retailers thought. [11:26] All of a sudden there would be this magical shift to Consumers buying earlier in the year and you know what that just didn't happen, there was actually a really good point of why that didn't happen when you look at the first two weeks of November we saw some of the lowest discounting rates that we typically see during the holiday season and because of these lackluster deals. People really didn't buy anything they waited and they again went back to their normal buying Behavior. One other by-product out of that is those that did by early. [12:04] We saw that they actually return the product during cyber week cyber week last year 2022 at some of the highest. Return rates during that week of the entire season people were doing their own price adjustments if they bought the product earlier in the year and realize they could have gotten a better price so there's like. I don't know how you calculate a triple or quadruple whammy on the bottom line that retailer saw. Because they were hoping to chase the deals earlier or wait I should say for the deals into the season and consumers just didn't bite. Overall and then I'll stop talking for a second here is what we saw. For let's just take cyber week as an example in the u.s. we saw a nine percent year-over-year growth growth online and globally we saw a 2% growth so us was really buoying up the global number there but a lot of that Sales Online happened right before cyber week and through the Thanksgiving holiday. Scot: [13:07] Got it it's kind of coming back to me I Remember You coining The Phrase discount chicken I remembered that is that right remember. Rob: [13:15] Yeah yeah yeah totally and thank you so discount chicken you know for the first time that we saw, retailers won the game of discount chicken last year I'm sorry in 2021 they tried to win again in 2022 but it just didn't happen consumers are really wise the real patient and now especially as they're seeing headwinds in their economic future there's definitely searching out for better and best deals. Scot: [13:46] Yeah this this kind of goes back to our data question it just occurred to me as we were talking about this obviously the macroeconomic is different now does that factor into your when you swirl all this together and you guys put together a funk forecast is that is that an input. Rob: [14:00] Absolutely yeah for sure and another piece that we look at very closely because it's driven so much of the growth over the last two years is inflation as well and so when you look at the last two years much of the online and growth is from increased prices not increased demand so people are just not getting as much from their dollar because of those increases we're starting to see that settle down the last couple quarters which is good news we're not quite seeing in Europe by the way but here in the US and so we're hoping, some of the growth will come from We're anticipating I should say some of the growth this holiday season coming from actual increase demand. Jason: [14:41] God so I want to I want to jump in the big reveal but a quick quiz first if you don't mind so last year us e-commerce growth nine percent G20 21 was also an incredibly abnormal year do you remember what the actual number you guys got for 2021 was. Rob: [15:00] For cyber week that's a. Jason: [15:02] No or sorry for holiday if you don't have it it's fine. Rob: [15:05] Overall holiday for 2021 was nine percent but that's Global so I'd have to go back to see what it was with the US. Jason: [15:13] No problem but so last year in the u.s. nine percent growth which was outlier for because Global growth was quite a bit softer. And so now here we are getting ready for Holiday 23 and what what do you think's going to happen when how much stuff we're going to sell online in November and December of twenty three in the US. Rob: [15:35] Yeah, so we're anticipating here in the US basically flat online growth and anybody I'm talking to is candidly quite okay with that and let me tell you why they're not overly bullish about significant growth online this year. For two major factors one is, we actually looked at the kegger over the last couple of years going back to 2019 and if things play out the way we anticipate we're still looking at for the holiday season compound annual growth of somewhere between 20 and 25% and so we're really where we are better than where we've been in 2019 year-over-year so we're you know we've been looking at these data points for quite some time during the holiday season if we're going to do 10 to 12 to 13 percent year-over-year growth online we're feeling really good and we've seen the average over the last couple of years come out well over that so there's a baseline that we're still needing to consider as we think about growth the second factor is. [16:50] The store. And we can't forget about even though our data doesn't explicitly account for that what we've seen in our data is that people are still going online very, aggressively meaning traffic quarter-over-quarter year-over-year is still really strong however what we're finding is people are then doing what they've naturally done for a long time which is in many cases then go into the store to actually make the purchase and so it doesn't necessarily tell when you look at flat growth year over year for the holiday season the entire story we're still feeling really good about it what helps us by the way one more caveat that I'll put in there and I should have mentioned it's got just a moment ago when you asked how we get to the numbers one of the key influences, is what does it October look like and particularly prime or we should I was about to say Prime day but the prime big deal days and so what we've seen when it first came out a nice halo effect. And we still see a halo effect certainly during the dog days of summer in July since the Inception of prime day. What was that 56 years ago but we although we saw bumps in the early part when it. First was established in October there wasn't a significant halo effect that happened during Pride a meaning those. [18:18] Not named Amazon during the October event we saw nice traffic we though saw really low discount rates once again so people were being patient they're biding their time and so we are seeing some nice add to cart rates as well so we saw people were poking around they were doing their research they were starting to. Think about what their holiday gifting this look like but they were waiting and so that's my long way of saying we're anticipating a fairly moderate holiday but we're not at all discouraged by what we. Jason: [18:54] Totally fair and so and I want to put your forecast in a little bit of context but before I do you kind of open the door on this whole October and shape of holiday thing like hey. Super useful to have historical consistency so I'm glad you guys report. The same time period every year right like I'm by no means proposing that everyone should change periods but it is interesting there's there's a lot more promotional activity. Happening in October than was true 10 years ago right and in very specific ways you convoluted 22 years ago, Prime day was cancelled in summer and happened in October and then they move prom date back to Summer but they added this second prime day and put a lot more marketing behind it this year than last year so and every other retailer on the planet. Counter programs against that that holiday and so there's been a. An increasing amount of pressure to pull sales in in October and then on the flip side a lot of people feel like holiday doesn't really end. And told mid to late January and there's a variety of reasons for that but one very particular one heck of a lot of gift cards get sold and gifted during holidays and they get redeemed. [20:18] Predominantly in January and so I guess I'm just kind of curious I'm not sure you would have necessary data behind this but like it does feel like holiday is flattening out and I know you guys pay particular attention to cyber week which you know is still a huge outlier and obviously we see way more sales on Cyber week than a traditional holiday week but. As a. Relation to the total holiday period it does feel like that spike is starting to flatten out a little bit like do you see holiday getting kind of stretched and flattened. Rob: [20:53] Yeah I love the question in this I feel like we could look back you know in a year or 25 years and do a whole. [21:03] I don't know extensive research project around how, people in mindset and shopping has evolved because it has and of course the pandemic had a big accelerator to that what we've seen in our data Jason is there has been a flattening out throughout cyber week meeting the big Spikes have typically been Black Friday and Cyber Monday and those still remain the two largest online days of the entire year but we are seeing a flattening out throughout the entire week but we haven't seen a lot of the sales, when it's all said and done pulled into October we do see a little bit of a blip in and around, the big deal days and we actually to your point other retailers have preempted the sales and we saw that in July as well meaning doing sales events the week before and it does draw them up, some traffic but we haven't seen a large portion being pulled into that time period what I will also say again lackluster discounts played a big role we're anticipating, comparing big deal days to cyber week cyber week we'll see about a 40% higher discounting rate. [22:28] Then what we witnessed just a couple of weeks ago in October you are totally right by the way that. [22:37] The holiday season does definitely extend through December and into January that's why most every retailer has there. You know fiscal year ending in January so they can really reconcile and get out from under what happened in the holiday not just gift cards but all of the returns and exchanges that invariably happen as well but at the end of the day just put a nice little underscore here is in 2020 and 2021 we did see a bit of pulling forward into October a couple of percentage points of sales but we're forecasting that 25% of all holiday sales will happen again as we Define it the 7-Day is of cyber week. Jason: [23:27] Interesting very cool okay so before we dive into some more granular topics I do you want to put the 9% in context and some listeners will be familiar with Nate silver and his poll of polls in the the kind of boring, boring a political forecast but the way more interesting March Madness forecast so I like to fancy myself as the Nate silver of e-commerce and so I do try to watch all of this data and huge caveat, nobody's data is Apples to Apples right so it's not really a matter of though this number doesn't match up to this number. Everyone has a slightly different definition of what e-commerce means everyone has a slightly different set of dates that they're looking at and they have different methodologies right so your methodology I feel like you get perfectly accurate data from a slice of the market right like there's there's no like. Human. [24:30] Are introducing your data because it's coming right from the systems and that the challenge for you guys is to take your slice and extend that to the the entire world of retail. The and I feel like you guys do that really well. So another data source that of course people are sick of me talking about is the US Department of Commerce which are these like surveys that they force retailers to fill out and. There's. Entirely different challenges and flaws in their survey methodology and how they defined e-commerce but just to kind of put things in perspective. I'm going to talk about they give us both brick-and-mortar and e-commerce data and so I pulled right before a show I pulled their data for the historical averages of November and December and so for the 27 years before covid-19. November and December sales grew, 3.8 5% per year so that's brick-and-mortar that's not related to the number you gave it all so average retail growth in that States of America / the US Department of Commerce in November and December three point eight five percent so and then I remind people the three covid years 20 21 and 22. [25:45] Were the greatest three years in the history of retail right because we didn't let anyone spend any money on travel and we mailed 10 trillion dollars to every man woman and child in America, to spend and so via the US Department of Commerce data 2020 Drew 9.2 percent. [26:04] 20:21 Drew 12.5 percent in 2020 to grew 5.4% so three straight years of, way over the historical average growth right and then using that same methodology they US Department of Commerce reports internet sales I'm way more skeptical of their internet sales because of the methodology in the way they Define it but just to put it in perspective. [26:32] For the 27 years before covid they have e-commerce growing eleven point two five percent a year and so then 2020 when everyone was locked in the house and not going to retail we had this monster year e-commerce group 35% in November and December from their data and then the following year because there was sort of a rebound and a return into two brick-and-mortar sales e-commerce sales were actually lower than the industry average so 2021 they had sales at 10.5% so a little bit off of the historical average and then last year they were the softest of all they were seven point six eight percent which is the slowest e-commerce growth in Holiday in the last 30 years so that's just kind of an interesting context right so the orders of magnitude are all right you had nine percent growth last year they had seven point six percent growth they don't forecast of course and so then I start looking at the forecast and a big forecast that comes out every year we're all friends of the NRF here and there in RF members the NRF just did their holiday forecast their forecasting brick-and-mortar growing three to four percent so. [27:45] Pretty much in line with that historical average that's a deceleration from last year which was 5.4% and they're forecasting internet sales of 7.9 percent so they're kind of perfectly splitting the difference between the US Department of Commerce and Salesforce for whatever that's worth by pretty pretty broad range and so that just kind of passes my quick sanity check Deloitte also does a forecast now deloitte's forecast is a different time range they consider holiday November to January and they're forecasting brick-and-mortar 3.5 to four point six percent so a little more optimistic and they're forecasting e-commerce at ten point three to twelve point eight percent so again a little more optimistic and then Bain did a forecast this year and they have three percent brick-and-mortar so I just wanted to throw that out there that most people are expecting this kind of three to four percent brick-and-mortar growth and this kind of we'll call it eight to eleven percent e-commerce growth. Rob: [28:51] Yeah and I would say given what you just talked about. Others a bit more bullish on the e-commerce growth than we are but I think directionally both brick and mortar and e-commerce are telling a very similar story which is e-commerce is still alive and kicking but it now has to be looked at in the context of brick and mortar and I think there's a lot of factors in that that actually will make the reporting moving forward even more difficult it is making it difficult and Jason you and I have talked about this before it's just the attribution models because it's not just about last-click anymore especially as people might you know in many cases go online and then go into the store where's that last click and how is that I'd be factored so everything from. [29:38] What we had anticipated in seeing around, you know 60% of digital sales now influenced by the physical store because the associate is driving demand through, customer service or client telling or social media or they're fulfilling Demand with being able to, you know pick pack and ship and online order. Or what's happening in digital as well in terms of people buying online and then picking up in or around the store so I think what is super interesting. In addition to what you said is how these metrics might evolve over time because it will depend a lot on, by retailer who's getting the credit and I know that's something that's been talked about for quite some time but literally how to is it how is it being accounted for and what does that do to how their reporting the numbers. Jason: [30:33] Yeah couldn't agree more and just 11 sort of example to illustrate that 11 kind of category that sold almost no meaningful volume online before the pandemic was grocery right second biggest category of consumer spending but none of it was online before the pandemic now depending on how you count ten to twelve percent of its online and guess what it all gets attributed as store sales right because it all it's all bananas that are getting delivered from a store and you know so 100% of instacart sales look like store sales to the retailer. And so it like I agree with you it's just it's just getting more and more convoluted. Rob: [31:14] Yeah well it's an interesting point around grocery you know our data showed in 2020 and most of 2021 we saw Triple digit growth year over year because of what you just talked about you just wouldn't ordinarily or historically by groceries online what drove a lot of that and what I think will drive Behavior moving forward is in 2020 we saw a 40-percent increase of net new. Digital Shoppers so these are people that hang out online but they wouldn't click the buy button and so a lot of those people now want to go back into the store but they're using digital they're using their phone in particular to really be that connective tissue. Scot: [31:55] What's a continue to peel the onion here you hit on this a little bit but tell us more about what you think is coming up in the 2023 cyber week for example if I recall last year Cyber Monday was the biggest e-commerce Day Ever set, is that did you guys agree with that or what's a my misremembering. Rob: [32:14] Yeah yeah so we actually have seen Black Friday actually. Bust up to the largest I know that's kind of hard to how others have looked at it but they're both really strong and we anticipate that being the case again again though we are seeing a bit of smoothing out of demand throughout the seven days. [32:36] Particularly on phones and I guess that's not a big butt when we weren't traveling we saw the Resurgence of you know iPads and tablets and actual regular computers especially when you get nice groovy one Scott like you did just recently but anyways I am getting distracted here by your awesome new computer but. What we are now seeing though is I move back to mobile and what we saw also during Thanksgiving a really strong traffic particularly local times between 4:00 and 8:00 if you think about it that's essentially when people are finishing their Thanksgiving Neil and they need a little break there sitting on their couch and they pull out their phone and so we're seeing a lot of traffic. Via Mobile and social as well by the way we are anticipating and we predicted this going back in June that we're going to see. Traffic via social be at a 10 times higher rate. Than traditional marketing so there's a lot of budget being pushed towards that media and we're seeing. [33:49] A lot of success there now they're still a bit of a gap in terms of conversion rate through that channel but again if you connect the dots mobile. And social happening over cyber week in particular on Thanksgiving it's going to be really strong and we're seeing again retailers lean into that. Scot: [34:10] So Black Friday was bigger growth last year or bigger absolute dollars or both. Rob: [34:18] For us it was biggest absolute dollars the growth was essentially spot-on for both Cyber Monday and Black Friday. Scot: [34:28] Jason and I'm assuming that did other people say it was Cyber Monday or it was at all. Jason: [34:32] Yeah they're they're different different folks had that different Peak yeah so but. Scot: [34:39] Controversy in e-commerce I love it. Jason: [34:41] Yeah controversy and they're getting closer together like they're worth in the early days. E-commerce Cyber Monday was a giant Tower and no one had internet access on Black Friday like that that could really is no longer the case. Scot: [34:55] Yeah well rip Cyber Monday cool I don't have any follow-ups Jason's Europe. Jason: [35:03] Awesome so. I want to jump into one of the other topics you introduced a little earlier so far we've been mostly topping up talking about Top Line which is a kind of easy way to think about this and it's you know it's a it's a kind of easy way to get your brain around it, at the end of the day retailers care a lot more about bottom line and a huge impact on holiday bottom of line is how aggressively in deeply folks have to Discount in order to achieve those sales so, are you guys like what do you forecast I don't know if you have a formal forecast for discounts but what what should people expect from discounting this year versus last year and what what are the trends there. Rob: [35:46] Yeah yeah yeah this is good because I missed a point before that I want to make as a relates to Discount and so this will give me a good opportunity to bring that up but still has to go right at that Jason we're forecasting on average a. Thirty percent discount rate throughout cyber week and again to put that in perspective it was 20% here in the US during the October event for. Prime big deal days again we look at the entire industry not just Amazon as a relates to that and so we're seeing a much more aggressive, discount rate now it's going to differ obviously by different segments you're not seeing as high in luxury as an example we do anticipate for tour toys and a consumer electronics which have been a bit of a softer category over the last 12 months again especially because because of the high Baseline they had because of the growth over 2020 2021 but we're also seeing and this goes back to the pulling forward of demand. Is more and more retailers are providing. [36:55] Black Friday deals throughout the course of November and. What's different in the past was it was fairly opaque in terms of we're giving you deals but we're not really sure those are going to be the best deals right and though we're seeing now much more transparency there's one major retailer that I'm sure you can guess who's doing Black Friday deals throughout the course of November and they are guaranteeing price matches. If for some reason they do go lower and they are also offering buy now pay later so you can commit to getting the product so you don't miss out on it but you can then pay over time and so what really came to life for me in this topic was we were doing a round table. [37:47] In Toronto in June and one of the attendees and she talked about this again at dreamforce in. September so I feel comfortable talking about it is a digital executive from Desi mm which is a cool health and cosmetics and Beauty brand that also has two other brands one called the ordinary and they have something that they've been doing for quite some time calling it, slow vember and their whole point is don't cause any urgency but rather. Make it a more relaxed buying experience and their point is throughout the course of all of November we're going to provide the same exact discount no matter when. And if you buy it and so we're seeing that a bit more and more some of it is coming by way of. [38:38] Early Access or exclusivity but also again extending and providing visibility, part of it is again trying to create that confidence that you're getting the best and final deal and also by the way you talk about the bottom line Jason. Is trying to reduce the Deluge of returns that often happen a lot of retailers. Are changing 88 percent according to our research are changing their returns policies and that's going to be a. Big risk and what and how that impacts holiday purchases this year. Jason: [39:13] Yeah you know it's funny there's so many moving Parts it's so complicated you think about like what a big impact inflation had on last holiday and you know good news like it seems like inflation is going to be lower this holiday. Consumer was in a better economic position last year than it seems like they're getting their sure we're seeing credit and defaults and things like that start start to creep up so there's there's just all these moving Parts but one thing I think a lot of people lose sight of is in the last three years predominately driven by the pandemic every retailer has completely reinvented their supply chain and their demand forecasting and I would argue everybody's way better at it now and they have way more agile Supply chains and there they're they're a lot more accurate with their level of inventory which means. They're more confident they're going to sell through their inventory and that changes their discount strategy like they're just all these moving parts that make it really hard to compare your over year when you know. Preview point the last three years sometimes we didn't have anything to sell and then the next year we had two years worth of stuff to say so. Rob: [40:24] I was just talking about that with an executive just earlier today and how retailers have gotten as you said better at demand forecasting. Better at Inventory management and I joke sometimes although I'm only half joking that supply chain has really come to the front office it's like really part of the customer experience at this point and has such an opportunity, to either negatively impact our hopefully positively impact. The customer experience especially when you're you know trying to find product after the shipping cut off window we're anticipating once again a huge uptick for those that have the ability for Consumer to buy online and. Pick it up in and around the store after. [41:06] The ship and cut off window we're seeing seven times higher growth rate for those that have that capability because essentially you're kind of shutting down your online doors if you cannot. Fulfill those orders after the fact and so but that requires to your point Jason like a lot of tuning. Around supply chain order management inventory oh and by the way store associates as well we have to. You know planned for that extra time that they'll have to take to fulfill that order will have to provide the right incentives and will have to give them the tools as well and I think retailers have gotten better at it. I don't think anybody's fully cracked the code but going back to your bottom line point last year for us the holiday theme was profitability and that doesn't go away I think people have gotten meaning retailers have gotten better at it but certainly always opportunity so I'm glad you called that out. Jason: [42:02] Yeah I like to say profit is cool again. Rob: [42:04] Providence cool again yeah. Jason: [42:06] The if you take nothing else away from this episode profit is cool. The the way it's funny like I joke about this but it's kind of serious when I started my career the the VP of supply chain probably started his career as a truck driver and and today that VP of supply chain like probably has a PHD in data science um so it's a that that occupation has dramatically changed the one other follow-up question. One of the cool things about your data set versus some of these other ones I look at is. You guys have real-time access to the data so as we record this we're eight days into November have you seen anything interesting or there any patterns that have stood out it you does it make you more confident in your forecast or in anything that's interesting for listeners to know. Rob: [43:01] Yeah we did look at the first couple days of November and also of course looked at October it's pretty consistent with what we saw, in Q3 in the US we're basically flat in terms of growth however traffic is up so traffic is up four percent. Orders are slightly down what we've seen which I think again is a very nice leading indicator is, product view rates have increased by 5% and add to cart month-over-month so September to October plus a little bit of November we've seen a slight uptick as well so what that's telling us is people are interested. They're doing their research. They're looking for the best deals they're understanding where the inventory is available and so that they're ready to make the move when they feel like they're getting the best and most value. Scot: [43:58] Cool so it sounds like if traffic's up in orders are down a lot of Tire kick in and kind of prepping and watching and making your list and you know could be the start of discount chicken 2.0 will see. Rob: [44:10] There you go exactly 2.0 I'm using that Scott I'm grabbing that I hope that's okay. Scot: [44:14] Discount chicken the chickens Strike Back. Rob: [44:18] Well and also I mean you talked about kick the tires so I think it's a good opportunity for a promo for spiffy at this point too so don't forget to get your gift cards as well right. Scot: [44:28] Yeah yeah we will be running some promos thanks. Jason: [44:30] And if you do kick your tires Scott can come to your house and replace them for you. Rob: [44:34] Exactly. Scot: [44:36] And shop for the new shoes online. Rob: [44:38] There you go I think there's a mash up there there's going to be spiffy and a DDOS coming together for anyways I don't know we'll leave that to the markers. Scot: [44:48] That's a good segue into my question in the predictions on category so I remember last year you guys had some interesting data on that does your prediction. Kind of data science get down into the category slicing of things or that's going to be more in the rearview. Rob: [45:06] Yeah no we certainly look at that we do it obviously based on what we've seen historically we're anticipating for the holiday. Active apparel active Footwear Health and Beauty being really strong so. You know we talk about the big number because that gets the headline in terms of essentially flat growth but we had tisza Pate some nice growth in those areas it's going to be a challenging partly because of comping as a relates to toys and gaming and consumer electronics if you think about that's just macro trend. People are looking for Comfort part of it is coming out of covid and maybe not all of us getting back into three piece suits but also when you feel a little bit of economic uncertainty I was listening to some Financial show. [46:02] While I was traveling over the last couple weeks and somebody put it as kind of the household PL or the household balance sheet you know when you're looking at that in your making choices you're taking more control of your finances which is happening people often migrate not only obviously to value, and safety they're looking at comfort and so there's something to be said for comfort and shoes and Footwear comfort, in apparel and almost the openness to be a bit more comfortable both in Social and in work situation so what are anticipating like I said active apparel active Footwear Health and Beauty being really strong luxury as well don't sleep on luxury they've been the most resilient category. In the pandemic and coming out of the pandemic and so that end of the market has held really well we're seeing a little bit. Of softness and what I'll call the aspirational luxury but as a whole that category is looking really strong and we anticipate it looking pretty strong, during the holiday as well. Scot: [47:12] Yeah this is old school but I remember a channel advisor going through 08-09 we were always shocked that luxury you know it's like the world is falling apart around us and people are like oh yeah I'll get a get a 400 dog and back it's gone. That part of the market just doesn't care that they're immune to those things I guess. Rob: [47:30] They're pretty resilient. Yeah I mean one other thing I'll throw in there just because I'm talking about it more and more with customers as we think about the holiday more as a. I think Bellwether to what will anticipate next year over the course and this is a global number but over the course of holiday were anticipating 194 billion dollars of online sales being influenced by a. Sorry are you thought you were going to get through this whole I know should I have not done that I'm sorry because you definitely that's on your bingo sheet. Jason: [48:07] Now I have to check the there's a I in this episode flag on iTunes. Rob: [48:11] Exactly well might get some more traffic that way so who knows but we find that super interesting most of it I want to like temper that. A lot because people are getting really excited about that headline is most of it will be from predictive a I like product recommendations which we've been doing for quite some time we're starting to see some early adoption of generative AI whether that's in email marketing with subject lines or body copy for that Saint product detail page with product descriptions or in service super interesting wood Gucci is doing and what they call a Gucci 9 their service center and teeing up responses for their agent to make them more efficient and allow them to scale but also stay on brand and so we'll see that a bit more but again a vast majority like I said it's around globally sixteen Seventeen percent of all sales will be influenced by AI this holiday. Jason: [49:06] That interesting so Rob we're almost out of time but I want to throw a super meaty 12 you for for a final question Scott was making fun of me but I am super interested in these Chinese brands that are capturing attention and share in the u.s. right and in particular that's that's Tim ooh which is has more traffic than Target more sales than Ed see in the United States Xi'an is the largest apparel reseller in the United States and then to a lesser extent Tick-Tock which has the vast majority of consumers attention in the United States and is now trying to sell stuff to people. What super interesting is it's not obvious those guys are all growing at Breakneck Pace much faster than your your nine percent growth number it's not obvious if or who they're taking share from so I'm curious of you if you have any POV it kind of seems like there they're inventing new demand or at the very least they're taking sure from brick-and-mortar it does not appear they're taking sure from the Amazons of the world. Rob: [50:09] Yeah that's awesome I'm glad you're addressing this I've just spent a couple weeks. In Europe I was in four different cities so talking to a lot of luxury Brands talking to a lot of traditional brick and mortars, and this is an area one of the executives put out Tech intermediary and I told him I would steal that and here you go I'm stealing it. Because I would say those that you just categorized are really wedging themselves in between the demand and the supply and they're creating a whole new platform where. It was just an originally with Tik-Tok and others about inspiration and now it's about purchase and so you know what we're seeing in Jason you and I have talked about this got 20 degree as well this idea of embedded Commerce or shopping at the edge. Where the buy button is being pushed up through the funnel on these delivery platforms again these Tech intermediaries I mean if you think about it they're almost like. The next generation of the shopping mall the shopping mall is created because of access because the highway here in the states and it created a place for people to hang out for people to get some food for people to shop. [51:16] People to socialize and because of that hey they could have tenants who that would then pay rent and sell stuff right and it's not dissimilar to what these Tech into mediators are doing in that they're monetizing their traffic I think they're coming after, the brick-and-mortar to a degree they're all so I wouldn't say creating more demand but fraying some of the man from. The brand sites because the brands are showing up there and so I would say there. [51:52] A little bit creating more demand but more than that they're kind of defraying the demand we've seen is. A high degree of growth thirty percent over the last couple of years of growth on these third-party intermediaries that we're talking about and they are taking from other platforms. Jason: [52:14] Interesting I don't know what the real answer is but I do know it's super interesting and important to pay attention to so I'm glad we brought it up but Rob that is going to have to be where we leave it because we have used up all of our allotted time I'm going to make sure to put a link to the Salesforce holiday dashboard in the show notes and super grateful for you taking at time and I hope you have a great Thanksgiving and we're looking forward to talking with you right after Cyber Monday. Rob: [52:45] Thanks Jason Banks got ya looking for doing a short couple weeks looking forward to talking to you then. Scot: [52:50] You robbed remind listeners where they can find your pontification xand and do they just Google the the index to find your daily things or like is there a quick URL that you guys have that. Rob: [53:04] Yeah you know to be honest with you the best way to is go to Google and put in shopping index Salesforce and you'll get to our holiday insights Hub so it not only has the dashboards but has all of the blog's were writing and all of the up-to-date analysis. Scot: [53:20] Cool well thanks we really appreciate you taking time out of your busy schedule to deliver this delicious holiday sandwich for our for Jason I in our listeners. Jason: [53:31] All right you guys be well and until next time happy commercing!

Sir Richard Shirreff is Co-founder and Managing Partner at Strategia Worldwide. After graduating from Oxford, he served in the British Army for 37 years commanding soldiers on operations or in combat at every level from platoon to division and rising to the highest rank before retiring from the Army as NATO's Deputy Supreme Commander Europe. Richard is co-Founder and Managing Partner of Strategia Worldwide. In 2016 his novel ‘2017: War with Russia' was published in the UK, USA, and Poland. It became a best seller and has been translated into eight languages. He is an honorary Fellow of Exeter College, Oxford. ---------- LINKS https://en.wikipedia.org/wiki/Richard_Shirreff https://twitter.com/RichardShirreff https://www.strategiaworldwide.com/our-people/sir-richard-shirreff https://www.globsec.org/who-we-are/our-people/gen-ret-sir-richard-shirreff https://www.brookings.edu/events/is-armed-conflict-with-russia-a-real-possibility/ ---------- BOOKS 2017: War with Russia (2016) ---------- SUPPORT THE CHANNEL: https://www.buymeacoffee.com/siliconcurtain https://www.patreon.com/siliconcurtain ----------

MESSAGE | Dr. Brian Payne (Pastor) The Advantage of Jesus' Departure John 16:4-15 1 | It Is Advantageous That Jesus Goes Away (v. 4-7) 2 | It is Advantageous to the World That Jesus Goes Away (v. 8-11) 3 | It is Advantageous to his Disciples That Jesus Goes Away (v. 12-15)

Full Hour | In today's second hour, Dom leads off the Dom Giordano Program by playing back a clip from a testimony today in Capitol Hill of Merrick Garland, where the Attorney General explodes on Congressman Jeff Van Drew after the New Jersey lawmaker asked him whether he believes traditional Catholics should be labeled domestic extremists. This leads Dom into a conversation about the Liberal stance on Catholicism, explaining his frustration with the continued trend of left-leaners to use religion only when it benefits their purpose while propagating for very anti-Catholic stance on issues. Then, Dom plays back another clip from the hearing, with Madeleine Dean offering compassion to Garland, trying to argue that the hearing it pointless. Then, Dom returns to a topic he spoke about earlier in the week, offering updates on the Deptford School District decision to refuse food for higher grade students whose lunch debt is in arrears. Phil Murphy and the state administration got involved, directing the district to discontinue the current penalty, telling that their next step will be under review by the State. (Photo by Getty Images)

Discover the hidden complexities of loan guidelines and lender overlays in the mortgage industry as host Mike Mills and guest Gary Pierce unveil the shocking truth. With discrepancies between lender overlays causing confusion among borrowers, will they find the answers they need to secure their dream homes or be left in a state of uncertainty? Find out on the next episode of the Texas Real Estate & Finance Podcast.Unravel the key distinctions between mortgage brokers and independent mortgage banks, enabling you to make more informed decisions in real estate financing.Discover the hidden benefits of engaging with a mortgage broker, you'll wonder why you never tool this route before.Identify the thorny challenges of operating a mortgage broker business and strategies for cultivating productive relationships with realtors.Decode the complex world of loan guidelines and lender overlays in the mortgage industry, enhancing your ability to navigate loan procedures with ease.Stay updated with the latest shifts in mortgage rates and the persistently evolving housing market, helping you benefit from timely market insights.Visit Mike Mills Mortgage and Finance website to learn more about their services and loan options.Contact Mike Mills Mortgage and Finance to schedule a consultation with Mike Mills or Gary Pierce.Explore the special programs offered by Mike Mills Mortgage and Finance, such as farm and ranch loans.Stay updated on interest rates and market trends by following Mike Mills Mortgage and Finance on social media.Consider the advantages of working with a mortgage broker, like Gary Pierce, for lower costs and more efficient loan processing.Compare the services and rates offered by Mike Mills Mortgage and Finance with other banks and lenders.Reach out to Mike Mills Mortgage and Finance to discuss refinancing options and potentially lower interest rates.Connect with Mike Mills Mortgage and Finance to explore loan options for purchasing a new home or investment property.Refer friends and family to Mike Mills Mortgage and Finance for their mortgage and finance needs.Subscribe to the Mike Mills Mortgage and Finance newsletter for updates and insights on the real estate and finance industry.Timestamped summary of this episode:00:00:14 - Introduction, The host, Mike Mills, welcomes listeners to the Texas Real Estate and Finance Podcast and introduces his guest, Gary Pierce, a mortgage broker specializing in farm and ranch properties.00:01:55 - The Difference Between Mortgage Broker and Independent Mortgage Bank, Mike and Gary discuss the differences between a mortgage broker and an independent mortgage bank. They explain how brokers work with wholesale lenders and have lower costs and more efficiency compared to big banks.00:07:53 - Why Using a Mortgage Broker is Advantageous, Mike and Gary highlight the advantages of using a mortgage broker like themselves instead of big banks. They emphasize the lower costs, more efficient loan processing, and the personalized service they can provide to clients.00:09:03 - Challenges of Running a Mortgage Brokerage, Gary shares the challenges he faced when starting his own mortgage brokerage, particularly the difficulty of building relationships and penetrating the local market. He emphasizes the importance of marketing and earning the trust of clients and realtors.00:11:46 - The Sales Nature of the Mortgage Industry, Mike and Gary discuss the sales aspect of the mortgage industry and how they have to constantly build relationships with realtors and adapt to changes in the market. They highlight the monthly pressure to generate new business and the need to consistently provide value to...

Alex Darko is the founder and CEO of Menufinder Africa, a curated food delivery app operating in Ghana. Adrian and Alex discuss the ins and outs of the food delivery industry in Africa, focusing on how Menufinder Africa differentiates itself from Billion Dollar competitors such as Bolt Food and Glovo. We delve into the importance of customer satisfaction and go into detail about the delivery radius and the challenges faced when customers request deliveries beyond that. Alex also mentions the possibility of introducing a menu finder plus type subscription to increase the delivery radius. The conversation takes an interesting turn as they discuss the concept of cloud kitchens and how they can revolutionise the logistics and timing of food delivery. Alex gives examples of successful cloud kitchens and talks about the potential for expansion in other areas. Adrian emphasizes the importance of branding and covers the recent success of Menufinder Africa, onboarding more restaurants and experiencing a significant increase in revenues.    Show Notes: https://thesoundofaccra.com/menufinder   Check out Swiff: https://bit.ly/SwiffSOA Connect with Alex Instagram: https://instagram.com/alexthetruefoodie/ Linkedin: https://www.linkedin.com/in/alexdarkojr/ Connect with Menufinder Africa Website: https://www.menufinderafrica.com/ Instagram: https://www.instagram.com/menufinderafrica/  Download on Android: https://play.google.com/store/apps/details?id=com.menufinderafrica&pli=1 Download on iPhone: https://apps.apple.com/za/app/menufinderafrica/id1497884805/ Our Socials YouTube: https://youtube.com/thesoundofaccrapodcast Instagram: https://www.instagram.com/thesoundofaccra/ TikTok: https://www.tiktok.com/@thesoundofaccra  Twitter: https://twitter.com/thesoundofaccra Facebook: https://web.facebook.com/thesoundofaccra Linkedin: https://gh.linkedin.com/company/the-sound-of-accra Our Website: https://thesoundofaccra.com   Sponsor a podcast series or segment https://thesoundofaccra.com/sponsorship/  Learn how to start, launch and monetise a podcaster and acquire your first 1000 listeners: https://atozpodcasting.com   Register your interest for our private community for entrepreneurs and creatives https://thesoundofaccra.com/community/  Leave us feedback https://thesoundofaccra.com/feedback/  Leave us a review https://ratethispodcast.com/thesoundofaccra    Listen to more episodes below  https://thesoundofaccrapodcast.podbean.com/    All our other links  https://linktr.ee/thesoundofaccrapod    Timestamps 00:00:00 Welcome to Sound of a Crowd podcast, featuring Alex Darko. 00:05:15 "Small niche company with excellent customer service." 00:08:30 Sales background shapes outcomes, making people happy. 00:09:31 Growing brand dominates Africa with recent success. 00:13:52 Restaurant partners in East Legon, Cantonments, etc. Advantageous for merchants with multiple locations. 00:15:48 A customer-centric approach with limited resources. 00:20:08 COVID changed perceptions. 00:23:57 Market revolution: On-demand delivery startups in Africa 00:26:34 Expensive smartphone market trends and cloud kitchens. 00:30:24 Build a sustainable culture and solving real problems. 00:32:36 Links, references, nuggets    Topics covered in this session: - Importance of aligning all aspects of the business for customer satisfaction - Delivery radius and potential introduction of a subscription service in Accra - Advantages of multiple restaurant locations  - Affordability and popularity of smartphones in driving food delivery usage - Competition in the food delivery market and the potential use of cloud kitchens - Importance of covering every touchpoint to echo the brand - Recent success and growth of the company without significant investment - Opportunities for startups and companies in the on-demand delivery sector - Impact of COVID-19 on remote work culture and online services - Market climate and opportunity for on-demand delivery startups in Africa - Experience of starting a business and putting oneself in the customer's shoes - Financial limitations and the inevitability of being wrong in a startup - Importance of customer experience, longevity, and building a culture - Relying on data to evaluate features and necessity - Unique approach to customer service and focus on customer satisfaction - Challenges of rapid expansion and cost-saving in the food delivery industry - Observations on the local economy and rebounding prices   Looking into the future, Alex expresses excitement for financial investments and partnerships in 2023. We touch on the impact of the COVID-19 pandemic on the on-demand delivery sector, highlighting the rise of remote work culture and the demand for online services. They discuss the market climate and the opportunities available for startups in Africa. Throughout the episode, Adrian and Alex stress the significance of the customer experience, sincerity in delivering the message, and the need for constant evaluation and adaptation. They acknowledge the challenges of starting a business and the importance of building a strong culture. In conclusion, this episode provides valuable insights for listeners interested in the food delivery industry in Africa, the challenges faced, and the strategies for success. So join us on The Sound of Accra Podcast as we dive deep into the world of curated food delivery and entrepreneurship in Africa.

Rich Hribar talks about where Deshaun Watson fits in the fantasy quarterback rankings in the NFL, how the offense will evolve with the additions at wide receiver, the positives for Nick Chubb in this offensive system going forward and where other quarterbacks fall in the rankings.

Individual decisions for Christ have been emphasized in most evangelism strategies.  What if instead of only seeking to bring individuals to Jesus, you focused on groups of people deciding together to become His followers.  In this episode, Cynthia Anderson, DMM trainer and coach shares the many advantages of shifting our paradigm toward group discipleship vs. individual discipleship.

A number of synergies have yet to be unlocked between district heating and cooling networks and industries, with both sectors looking to decarbonise. Both sectors are highly complementary. The ability to recover excess heat from industrial processes—and more recently the likes of data centres—is opening new opportunities to help decarbonise district networks by supplying sustainable heat to residential or commercial buildings. But the rollout of new networks and the forethought to couple them with industrial heat sources is lacking. This week's episode of Watt Matters is a special live recording that formed part of the Euroheat & Power congress in Turin (May 22nd-24th). David and Michaela are joined by Ana Cardoso from the Portuguese energy agency, Adene; Emanuele Pingaro of heating engineering firm Turboden; Malgosia Ryback from the Confederation of European Paper Industries; and Carlo Semeraro of thermal solar company Absolicon Solar Collector to discuss the issues facing the combination of district heating and industry. Enjoy the show. If you have any thoughts or questions about anything that has been discussed in this week's episode, you can reach us at our Twitter accounts: Ana Cardoso Adene: https://www.linkedin.com/in/anaisabelcardoso/ Emanuele Pingaro: https://www.linkedin.com/in/emanuele-pingaro-011a25135/ Malgosia Ryback: https://twitter.com/malgosiarybak?lang=en Carlo Semeraro: https://www.linkedin.com/in/carlo-matteo-semeraro-42a45a27/ Michaela Holl: https://twitter.com/CitizenSane1 Jan Rosenow: https://twitter.com/janrosenow David Weston: https://twitter.com/DaveW_FORESIGHT @WattMattersPod: https://twitter.com/WattMattersPod FORESIGHT Climate & Energy: https://twitter.com/FORESIGHTdk Listen and subscribe to Watt Matters wherever you get podcasts. Follow us on Twitter at @WattMattersPod or email us at show@wattmatterspodcast.com. You can also find FORESIGHT Climate & Energy on LinkedIn: https://www.linkedin.com/company/foresight-climate-energy/. Illustration: Masha Krasnova-Shabaeva. Show notes via this link: https://foresightdk.com/wm-ep35/. TRY FULL ACCESS TO FORESIGHT CLIMATE & ENERGY FOR €1 A DAY Join over 100,000 policymakers, energy experts in business, finance, and academia, city leaders, and leading NGOs in having access to FORESIGHT Climate & Energy GET YOUR 30 DAY TRIAL: www.foresightdk.com/subscribe/.

Don't have time to listen to the full show? We got you covered on the Nathan, Nat & Shaun Quickie, all the best bits from Thursday, 27th of April's episode!See omnystudio.com/listener for privacy information.

This was a great concept which really did a great job showing a possible issue from a woman's point of view. Unfortunately, it was laden with plot points which aren't needed or go nowhere. It makes the whole thing seems slow. The Twilight Zone Episode, “The Trade-Ins,” was better. Worth a look? Probably. Listen to find out why you should or shouldn't watch this. Hey, that reminds me of another show on Raving Lunatic Media.

New York City real estate has distinctions and quirks that you'll find almost nowhere else in the world. Is it unreal estate? This includes: super skyscrapers, air rights, apartments with doormen, co-ops, pencil buildings, and rent control. Can you actually make money in NYC real estate? Incredibly, the national or world capital of all these are in NYC: banking, finance, communication, advertising, law, accountancy, fashion, arts, architecture, media, and more. 1 in 18 Americans live in the NYC metro area. The population is growing.  Guest Beth Clifford joins us.  She has an impressive set of experiences, including on Wall Street, with startups, and as an international real estate developer. Beth is a former NYC resident. Beth describes: how “air rights” are really development rights, pencil buildings, which apartments have doormen, and more. There's a short-term rental arbitrage strategy in NYC where you could make money. But is it legal?  Join Thursday, Feb. 23rd's GRE Live Event for Philadelphia, Pittsburgh and Baltimore properties. Ask me questions live. It's free. Register now at: GREwebinars.com. Resources mentioned: Show Notes: www.GetRichEducation.com/437 Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Memphis property that cash flows from Day 1: www.MidSouthHomeBuyers.com Find cash-flowing Jacksonville property at: www.JWBrealestate.com/GRE Book recommendation: Economics in One Lesson Find NYC apartments: StreetEasy.com I'd be grateful if you search “how to leave an Apple Podcasts review” and do this for the show. Top Properties & Providers: GREmarketplace.com Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free—text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Keith's personal Instagram: @keithweinhold   Welcome to GRE! I'm your host, Keith Weinhold. New York City real estate is just absurd. It's also really interesting and has distinctions and quirks that you'll find almost nowhere else in the world.    We're talking about air rights, skyscrapers, apartments with doormen, co-ops, rent control, and how do you actually make money in NYC real estate? Today, on Get Rich Education.   Welcome to GRE! From Jamaica, Queens to Lower Manhattan. Across New York City and 188 world nations, this is Get Rich Education. I'm your host, Keith Weinhold.   As we're talking about NYC real estate today, I think it can be regarded as exotic and Manhattan is the CENTER of American urban excitement from Times Square to the Statue of Liberty to the address “One World Trade Center” and more.    It wasn't always this way.   As the story goes, in 1626 - about 400 years ago - Indigenous inhabitants sold off the entire island of Manhattan to the Dutch for a tiny sum: just $24 worth of beads and "trinkets."   At that time, it wasn't known as New York. It was called “New Amsterdam”.    Today, NYC is the national or the WORLD capital of: banking, finance, communication, advertising, law, accountancy, fashion, arts, architecture, media, and more.   How could so much be in one place? Well, all this attracts a lot of people.   In fact, the NYC metro area population last year was almost 19 million, that's up just about one-quarter of 1% from the previous year. So COVID hasn't killed it.   This means that more than 1 in 18 Americans live in the NYC Metro.   Now, of the 5 boroughs, we're really focusing on Manhattan today, since that's where space is at a premium, hence that's why the tall skyscrapers are there.   In fact, I have counted 17 skyscrapers that are all more than 1,000 feet tall - that's almost one-fifth of a mile tall.   Now, Manhattan is crammed with such high density - and it isn't just commercial space. Of course, residents live on Manhattan too.   But it is so crammed for space in Manhattan - and even in places of the four outlying boroughs, that it can kind of obscure your vision such that you don't have the - I guess - wherewithal that you would elsewhere.   Here's what I mean. Just last month I met a guy that has lived all of his life in NYC - part of his life in Brooklyn and part of his life in the Bronx.   He did not realize that when he lived in Brooklyn, he was living on an island. I don't know how long he lived in Brooklyn, but I found a gentle way to tell him, without making him feel unintelligent - that yes, Brooklyn and Queens are both on LI.   That's why you have all those bridges in NYC, like Brooklyn Bridge. They connect the islands.   Now, when it comes to rental property there, New York State has had the longest history of rent control in the United States, since 1943. The majority of those units are in NYC.   I have never seen one piece of evidence that rent control works long-term. If you have, please share that resource with us at GetRichEducation.com/Contact   When you put a ceiling on the amount of rent that can be charged like this, what tends to happen is that landlords have zero incentive to improve the property when they can't charge more rent… or else soon, LLs would be losing money.   In many cases, soon properties and entire areas can become dilapidated because they haven't been improved, and in bad cases, tenants don't want to move out. They'd like to keep the cheap rent even if they need to tolerate increasingly squalid conditions in these neglected properties.   A classic economics book really outlines the rent control problem wonderfully. Though the author isn't that well-known, Henry Hazlitt's “Economics in One Lesson” really breaks down the problems with rent control terrifically.   That entire book basically outlines how programs like rent control only benefit a small group of people for a short period of time… like, oh, let's give these people a break & be nice so that they can afford to pay the rent.   At the same time, you're NOT playing nice to the property owner. And how benefits to a small group of people in the short-term harms everybody long-term. Many will tell you that's the case with… rent control.   Shortly, I'll talk with an experienced developer, knowledgable about NYC development, she also used to live in NYC.   Wait until you discover some of the complexities of getting things build there. I expect her to share that.   She'll tell us about things that you would never think of, like how… whether or not there are windows on the side of the a building indicates whether or not there's a development opportunity there.   I'll have her describe what “Air rights” are. Property “air rights” are not what you think they are. You'll need to listen closely to that part as I expect explaining “air rights” involves somet math.   You'll learn about what “skinny skyscrapers” are and why they don't they build those wider.   NYC has coops - cooperatives. They're different from a condo. In a co-op, you buy shares in a corporation that gives you certain occupancy rights.    So rather than having fee simple title, you're the shareholder of a corporation rather than having a title like you do with condos.    And you've got to give the co-op board your income & taxes… because the corp wants to be sure you'll be able to pay. And if the co-op board doesn't like you dog or like you for whatever other reason, maybe they won't let you join.   If you're perusing apartments to rent in NYC - esp. Manhattan - some have a doorman and some don't have a doorman. Why might it be desirable to have a doorman, when that's not even offering in a place like, say Minneapolis or Houston?   I'll ask our guest, “Is there any way you can make some real estate cash flow here.”   So, I'm often the one doing the teaching here on the show. But in just a few minutes, I expect to get some learning myself as we discuss the unique and unusual nuances of NYC real estate.   First, how long have you been listening to the GRE Podcast?   Well, that was a recent question in our Instagram Poll.    Now, the sample size wasn't that huge and the our average Instagram follower might be a more avid podcast fan that the average.   But with the question asked, “How long have you been listening to the GRE Podcast?” The results were:         Under 1 Year = 11% of respondents have been listening for that length of time.       1-3 Years = 32% of you        3+ Years = 43% of you have been listening for that length of time.        And EVERY SINGLE episode since 2014, yes, that is all 437 episodes. That comprises 14% of you.   So that's about 1 in 7 listeners - at least in this poll - have listened to every single show. I'm really grateful for that. To shout out a sampling of those that have listened to every episode, that includes Kirby, Jacob, and Stacio.   I'm deeply grateful for that. I still of new people that find the show here today & then want to go back and listen to every single episode.   That is humbling indeed.    NYC Real Estate is absurd. That's next. I'm Keith Weinhold. This is Get Rich Education. ______________   Yeah, great stuff from Beth there… and hey, a good investment to the global elite might be different than what you perceive as a good investment.   If you've got $250M to place and you don't need the cash flow, you just want RE for the proven inflation hedge that it is, then drop it all into a Manhattan skinny skyscraper and leave it vacant. Some people can afford to do that. It was good to learn that the term “air rights” is misleading. It's really about “development rights”. That's probably a better way to remember it. Now, when it comes to real estate in the northeast, Boston, NYC, and Washington DC real estate and their outlying areas really aren't known as what we'd call “cash flow” markets. But three other cities in the region are - Philadelphia, Pittsburgh, and Baltimore. Our Mid-Atlantic provider even sees properties where the price is around 100 months' rent. Yes, the property price is just 100X the monthly rent amount. That is impressive. That means that with just a 20% down payment, you can expect your monthly rent income to often exceed all the monthly expenses, even your mortgage payment. Well, I'm going to discuss this at a live event on Thursday night, just 3 days from now. That is Thursday, February 23rd at 9 PM Eastern, 5 PM Pacific. Yes, this live event is your opportunity to ask us questions live, and that it will be the first time ever that our in-house Investment Coach, Naresh, & I are both there, together, to help you, along with the provider in these mid-Atlantic markets. Again, it will be in just three days, Thursday, February 23rd at 9:00 PM Eastern. It is completely free. Sign up now at GREwebinars.com The nation's capitol, Washington DC, has a strong influence beyond the Mid-Atlantic region. The Baltimore metro area is slowly merging with the DC metro. Droves of Americans work in DC and live in Baltimore. It's a short commute and offers more space and affordability.   And then, with Pennsylvania being my home state, Philadelphia and Pittsburgh and have similar advantages. We're talking about… Diverse economies Advantageous geographies Reasonable cost of living And substantially more landlord-friendly to you than NYC   Yes, GRE is hosting a live show on these markets. And typically on these action-oriented live events, we have a few real property addresses of freshly-rehabbed properties with tenants already placed, PM already in-place if you so choose and more. We'll make it real with real, actual addresses. You could reserve a few if you so choose.   Tune and don't miss: The Professional Turnkey Provider Introduction We'll have market talk on Philly, Baltimore, and Pittsburgh And look at that active inventory. Hey, special thanks to the extraordinary knowledgeable Beth Clifford today. Now, unless you have $250M to sink into skinny Manhattan skyscrapers, then… I hope & am looking forward to seeing you on Thursday night for some of the best ratios - rental properties with a high rent income in proportion to a low purchase price. Rather than $250M, it'll take as little as $30K for a down payment and closing costs on some of these properties at Thursday's live event. Amidst this continued scarce supply of inventory in America, we've pulled some strings and found a good selection for you in Baltimore, Philly, and Pittsburgh. This GRE live event takes place Thursday February 23rd at 9:00pm ET. I'll see you there. It's free. It's interesting and it promises to be lucrative for you. Sign up now while it's on your mind at GREwebinars.com Until then, I'm your host, Keith Weinhold. Don't Quit Your Daydream.

- Today I want to talk about two main types of stretching — Static vs Dynamic . Is one better than the other, Dr. Amy? . No – but I do believe we need BOTH! . [Going to nerd-out on this topic for those who are interested in the deep deets] - - 1) STATIC STRETCHING Focuses more on the tendon aspect of the muscle-tendon connection to the actual bone Advantageous to get into end-range positions Personally, I like to static stretch within the cool-down routine 2) DYNAMIC STRETCHING Focuses more on the muscle spindle aspect of the muscle belly Advantageous to “prime” the working muscles for performing a specific movement pattern with better efficiency Personally, I like to dynamic stretch within the warm-up routine – *BONUS – FPT YouTube Channel link: https://www.youtube.com/@fortressphysicaltherapy . . #FunctionWithPurpose #FPTEducation - - - - - The Function with Purpose Podcast . All things health - wellness - fitness - & education through the physical therapy perspective . Fortress PT is here to serve the Charlotte-Metro area by highlighting the importance of how & why physical therapy should be a part of your health & wellness lifestyle . PURSUIT | PRECISION | PURPOSE . . DISCLAIMER: THIS PODCAST SERVES FOR EDUCATIONAL PURPOSES ONLY. IT IS NOT A SUBSTITUTE FOR ADVICE FROM YOUR PERSONAL PHYSICAL THERAPIST OR OTHER HEALTH CARE PROFESSIONAL(S). . . Amy@fortressphysicaltherapy.com 980-272-8044 https://linktr.ee/FortressPT . #FunctionWithPurpose #DrAmyPT #FPTosteopractor #FPTAthlete #FPTEducation #FPTTraining #TeamFPT #Charlotteagenda #CharlotteNC #CharlotteMetroArea #QueenCity #704 #980 #Physicaltherapy #Physio #Physiotherapy #GetPT1st #Physical #Therapy #Health #Wellness #Fitness #CLT#charlottephysicaltherapy #charlottephysicaltherapist --- Send in a voice message: https://podcasters.spotify.com/pod/show/fortress-physical-therapy/message

All links, sponsors, networks, and notes for this episode can be accessed via the blog page below:https://yourfavoriteblockhead.com/2023/02/18/episode-274-charlie-brown-spell-the-word-advantageous/

Today's guest is a single family and multifamily investor, co-founder of Bar Down Investments — also best-selling author of The Only Woman in the Room: Knowledge and Inspiration From 20 Women Real Estate Investors. She is also the co-host of the Passive Investing show and runs a coaching program called Apartment Addicts. Topics discussed with Ashley makes it our star episode! Our guest emphasizes that being intentional in real estate means being versatile, mastering your craft and making sure people are always aware of the skill set you can provide. This starts with knowing the historic facts in a given area and knowing what makes it unique. Once you have honed these skills, you need to share them with the atmosphere and market yourself to the world!

The DIYActive team shares why exercising with limited mobility is advantageous Episode 2013: Why Exercising With Limited Mobility is Advantageous by DIYActive DIY Active's mission is to help people stay fit and active no matter where they are and no matter what life demands of them. They believe that being active can and should be fun, and that you can live a healthy life the way you want. Their sustainable approach to fitness doesn't require travel time, fees, or even social skills. The original post is located here: https://diyactive.com/why-exercising-with-limited-mobility-is-advantageous/ Visit Me Online at OLDPodcast.com Interested in advertising on the show? Visit https://www.advertisecast.com/OptimalHealthDailyDietNutritionFitness Learn more about your ad choices. Visit megaphone.fm/adchoices

The DIYActive team shares why exercising with limited mobility is advantageous Episode 2013: Why Exercising With Limited Mobility is Advantageous by DIYActive DIY Active's mission is to help people stay fit and active no matter where they are and no matter what life demands of them. They believe that being active can and should be fun, and that you can live a healthy life the way you want. Their sustainable approach to fitness doesn't require travel time, fees, or even social skills. The original post is located here: https://diyactive.com/why-exercising-with-limited-mobility-is-advantageous/ Visit Me Online at OLDPodcast.com Interested in advertising on the show? Visit https://www.advertisecast.com/OptimalHealthDailyDietNutritionFitness Learn more about your ad choices. Visit megaphone.fm/adchoices

In the latest trends and insights from the world of business and culture…Are you ready to learn about the power of global connection and how to successfully manage Gen Z in a global world?Well get ready because today's episode is jam-packed with valuable insights and inspiration.From the advantages of leading Gen Z'rs via global trending culture, to defying and breaking down geographical barriers between countries…Let's hear from Ekaterina Curry, one of the foremost experts I know in leading global Gen Z teams in the finance world.Ekaterina is an expert in Capital Markets, a leader who elevates people and global teams. She most recently led a team of 240 Native Digitals across 22 countries, and as you'll hear today, is more than just passionate about leading + inspiring Native Digitals – she has learned from them too. She is a first gen immigrant who came to the USA at 17, a mother of 2 native digitals who both humble and reverse mentor her.Gen Z And the Advantageous of Trending Culture – Geographical Barriers Are Much Less Pronounced. It's Much Easier to Lead a Global Team Now Than Even 10 Years Ago.Today's generation is breaking down geographical barriers.They are not only globally connected through fashion, music, and art but also in their aspirations and learning.And the best part? Ekaterina found this connection was also reflected in her team:“This generation is very globally connected. They, in many ways watch the same shows. They follow the same influencers and they have so much in common in fashion and music and art, but also in what they are learning and what they're aspiring to do, and who they aspire to become...” – Ekaterina CurryGeographical barriers were much less pronounced with this team than with others. And for her, as a Native Analog, this was a powerful and insightful learning experience.Ekaterina takes us on a journey of stories through leading this team and the “aha” moments for her – pay special attention to how she leverages these cultural trends as an advantage instead of a barrier.How To Use Sprints to Create Quick (and POWERFUL) Wins with Gen Z“Learning and fun are two of the big things that I have learned keep our Gen Z colleagues engaged, and to continue accelerating and progressing in their roles.”Learn from Ekaterina how Native Digitals, based on our experience with short-form, self-learning, is able to achieve incredible outcomes with short-burst “sprints” rather than long, drawn-out projects.This is a MASSIVE progress accelerator that any company can use.Ekaterina shares that by using sprints, you can help Gen Z stay focused, motivated and on track towards achieving company goals.Lessons from Ekaterina: Specific Ways to Motivate YOUR Gen Z Team“Motivation starts with being truly clear about the mission, vision, and strategy for the team. Now, this might sound like common sense, but this clarity, especially the translation of what it means for each team member, helped my team to create a sense of community and engagement behind the same goalposts.” – Ekaterina CurrySecond is to let humanity and authenticity lead and shine through. This cannot be faked, and it creates personal connections with the team.Listen about how Ekaterina's team built a community called “Culture Club,” which was all volunteers who led global engagement and fun activities—this is where the power of Fun comes in.She also found that being fair and transparent with promotions and pay increases was key to connecting with Gen Z colleagues. She also highlighted that most companies have some work to do around understanding the expectations of Gen Z when it comes to bonuses and pay increases.How To Structure...

First, David Kelly of J.P. Morgan Asset Management joins us to talk about the slow cooling of inflation. Then, we dive further into the facets of the much-hyped and advertised Medicare Advantage as the end date for its open enrollment approaches.

First, David Kelly of J.P. Morgan Asset Management joins us to talk about the slow cooling of inflation. Then, we dive further into the facets of the much-hyped and advertised Medicare Advantage as the end date for its open enrollment approaches.

Which business structure yields the most advantages for both the buyer and seller? Which structure will set the dental partnership up for success? Although one type may be easier to set up, which one has the most long-term benefits? Cain Watters & Associates Financial Advisor David Forbess joins this episode to dive into the answers and discuss the pros and cons of the various business structures.

Welcome to the weekly podcast of Sozo Church in Spokane, Washington with sermons by Mark Blair and the pastoral staff. To learn more, visit www.sozospokane.org

Take advantage of your position

Marketing expert Ali Schwanke joins us in today's episode to talk about tips that simplify modern content marketing for authors and help pave their path to success. Tune in to find a way to be memorable and actionable and make your book stand out in the marketplace.Key Takeaways from This EpisodePsychological factors influencing your effectiveness as a marketerCreative marketing ideas to make your content stand outWriting a book vs. writing for social mediaThe importance of supporting your beliefs with convictionSocial media marketing: Problems and solutionsResources Mentioned in This EpisodeEvernote1000 True Fans by Jon LonghurstHard Work Is Not Enough by Jeff Shannon | Paperback and KindleYouTubeLinkedInAbout Ali SchwankeAli Schwanke is the founder of Simple Strat, a platinum HubSpot Solutions marketing agency partner and cohost of the popular YouTube series "HubSpot Hacks." She's a go-to expert in B2B marketing strategy and content and a well-known expert on all things HubSpot or marketing technology. She and her team are known for their no-BS, business case first, software second approach, which makes her and her team a valuable resource for CEOs down to the sales rep. She's also a national marketing advisor for Vistage International, a former American Marketing Association board member, and a 2022 virtual speaker at MarTech.org. Website: Simple StratLinkedIn: Ali SchwankeLove the show? Subscribe, rate, review, and share! Here's How » Join The Author's Corner Community today: Website: Robin ColucciLinkedIn: R Colucci, LLCFacebook: Robin ColucciTwitter: @Robin_ColucciRobin Colucci's Book: How to Write a Book That Sells You: Increase Your Credibility, Income, and Impact

Stay Connected With Us Website: anchorfaith.com Anchor Faith Church Facebook: www.facebook.com/anchorfaith Anchor Faith Church Instagram: www.instagram.com/anchorfaith Pastor Earl Glisson Facebook: www.facebook.com/earlwglisson Pastor Earl Glisson Instagram: www.instagram.com/earlglisson

Stay Connected With Us Website: anchorfaith.com Anchor Faith Church Facebook: www.facebook.com/anchorfaith Anchor Faith Church Instagram: www.instagram.com/anchorfaith Pastor Earl Glisson Facebook: www.facebook.com/earlwglisson Pastor Earl Glisson Instagram: www.instagram.com/earlglisson

Stories this week include: Nick Clegg nominated for prestigious 'Corporate Shill of the Year' award. Vintage 'gentleman's magazine' collection goes for record-breaking two-figure sum at auction. Weird family buy hearse. Neighbour abused by hot tub-owning local councillor. Lettuce get into this... Subscribe to Patreon for exclusive bonus episodes: https://www.patreon.com/LAPodcastExtra Website: http://www.lapodcast.net/ Facebook: https://www.facebook.com/LAPodcast/ Twitter: @LAPodcast

Where were we going with a Saturday School season delving into the history of Asian American sci-fi? In some ways, all episodes prior were leading up to Jennifer Phang's "Advantageous," a 2015 feature film that started as a 2012 short film in the Futurestates series. Often, Asian Americans and other people of color in Hollywood sci-fi represent a post-racial future. But what if in near future, these inequities are not gone but intensified? Jacqueline Kim (who co-wrote the feature film expansion with Phang) plays Gwen, the spokesperson of a cosmetics company that wants to replace her with someone more "universal," just as she needs the money to send her daughter Jules (Samantha Kim) to an elite school. Gwen, a single mother, believes this is Jules' only shot at a decent future in a world where society is collapsing. So in order to keep her job, she volunteers to be one of the first subjects for a procedure that will transfer her consciousness into a new, younger (less-Asian) body. "Advantageous " won an award at Sundance, was nominated for an Independent Spirit Award and is available to watch on Netflix.

Dan Bernstein and Laurence Holmes were joined by Andrew Brandt of Sports Illustrated and the Business of Sports Podcast to share a breakdown of linebacker Roquan Smith's trade request from the Bears.

Join me for a summary of Dr Nikhilesh Vaid's lecture entitled More Than Meets The EYE! Aligner Evidence Through Clinicians Eye It was part of the first International Orthodontic Foundation online symposium, with Ravi Nanda and co. Evidence available There are about 7000 papers available on clear aligner therapy 39 are prospective clinical trials 20 are systematic reviews What do the systematic review and meta-analysis conclude? Overall we don't have sufficient good quality trials and there is a need of more such trials In addition to that ratio of prospective trials to systematic review is merely 2: 1. Systemic review topics Treatment outcomes Aligners work well for mild to moderate cases. Alignment with aligners is reasonably competent. In Vertical sagittal and transverse dimension possess a bit of challenge. If compared with fixed appliances – doesn't fit well. *** Outcomes mainly depend on the measurement criteria. Deleterious effects Slight improvement in terms of periodontal effects Advantageous in external apical root resorption Some of periodontal indices improved, also no adverse effect was found Overall need for more studies. Other effects Force levels, only in vitro studies available with conflicting results. Pain level, it was initially lower, thereafter similar, short term QoL (Quality of life) there were less incidences of eating disturbances. Nikhilesh conclusion: Although stated in one of systematic review (Papageorgiou) the current evidence doesn't supports the use of clear aligner therapy. That this doesn't meant that it never worked. So according to Dr Vaid its on us to be able to gather some evidence. Nikhilesh's research: Effectiveness, wear, refinement 1st study - Are aligner effective Does wear protocol makes a difference? Nadawi 2021 3rd study- Can we predict the number of refinements needed? Nikhilesh's conclusion: Refinements are non-negotiable. Patients will be requiring nearly double the number of initially decided aligners. Planned Vs total aligners 108.11% Greater refinements class 3, deep bite, crowding, posterior crossbites Contributions Contents: Shanya Kapoor Editing and production: Farooq Ahmed

Eno Sarris talks about the Guardians' approach with the roster, Steven Kwan's the strength of the pitching staff, the outlook for Shane Bieber and how the new baseballs are impacting the game. 

Jacqueline Kim played the role of Ensign Demora Sulu -- daughter of Hikaru Sulu -- in the 1994 feature film Star Trek: Generations. As an actress, her other credits include Disclosure, Volcano, Xena: Warrior Princess, ER, The West Wing, Charlotte Sometimes and Advantageous, which she also co-wrote and produced.