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Matt, Cody, and John talk about advice on how to avoid big-city multifamily that is missing the real opportunity. In Chicago, Cody Ray and John Warren have built a model around small apartment buildings, vertical integration, and local control that lets them compete where others see only red tape. What starts as a broker-client relationship turns into a partnership, a business plan scribbled on the back of a napkin, and a platform built to buy, rehab, manage, and stabilize scattered-site buildings across Chicagoland. Cody and John break down how they found each other, why John added a GC license, and how Forte Properties turned recurring contractors into a more controlled, scalable operation. John Warren Operations Manager and Managing Director of Forte Properties Based in: Riverside, Illinois Where to find them: https://www.linkedin.com/in/john-warren www.fortepropertieschicago.com For more information, visit https://superhuman.com/. Podcast production done by Outlier Audio. Learn more about your ad choices. Visit megaphone.fm/adchoices
Adam Shane spent 13 years helping scale Barry's. Now he's putting his own money behind Yoga Joint, a Florida infrared fitness brand that fills suburban classes with 55-plus people, and he's taking it straight into Manhattan.Adam Shane, Franchise Owner and Managing Director of Yoga Joint New York, joins Eric Malzone to explain why he's flipping the usual boutique playbook and proving a suburban model in the city. He breaks down Yoga Joint's split between 60-minute Flow and 45-minute FIIT classes in 95-degree infrared rooms. He also explains why he's hunting for 3,500 to 5,000 square foot spaces when most of the industry is building 1,500 to 2,500. Adam shares his read on a boutique market that feels frothy, and he describes how details like elevators and stairwells quietly shape the member experience before anyone steps into class.Adam Shane is the Franchise Owner and Managing Director of Yoga Joint New York and the former Chief Development Officer and EVP of Operations at Barry's, where he spent more than 13 years scaling the brand after starting as its last domestic franchisee. Website: https://yogajoint.com | Instagram: @adamjshaneGet Eric's weekly industry newsletter: https://futureoffitness.co Watch full episodes on YouTube: https://www.youtube.com/@futureofofitnesspodOUR SPONSORS:
Why are U.S. bond yields rising even as economic growth remains strong? Erik Norland, Managing Director and Chief Economist at CME Group, joins Jim Iuorio and Bobby Iaccino to break down the forces reshaping the U.S. economy, Treasury market, inflation, and interest rates.They explore rising government debt costs, whether heavy T-bill issuance can expand the money supply, why inflation acts like a form of default, AI's inflationary and potentially disinflationary effects, the impact of higher oil prices, housing, recession risk, and what today's economic boom could mean for markets.Timestamps 00:00 Erik Norland Joins Futures Edge01:01 Why Are Treasury Yields Rising?02:07 America's Rising Cost of Government Debt03:00 Could the U.S. Enter a Debt Spiral?05:14 Is Treasury Issuance Expanding the Money Supply?07:20 Could the Fed Buy More Government Debt?08:29 Why Does the Fed Want 2% Inflation?08:55 Inflation Is a Form of Default12:04 Will AI Eventually Lower Inflation?15:24 Is the U.S. Entering an Economic Boom?17:25 Are Interest Rates Actually Too High?18:41 Could Housing Prices Finally Fall?22:02 How Much Is Oil Adding to Inflation?23:29 Could an Oil Shock Cause a Recession?26:17 Is Main Street Missing the Market Boom?30:55 What Happens to Jobs in the AI Economy?33:35 Technology, Inequality & the Next Economic System36:05 Final Thoughts
The following article of the Energy industry is: 'Beyond Waiting' by Diego Torroella de Cima, Managing Director, TAKRAF Mexico.
The following article of the Automotive industry is: “Driving Innovation, and Shaping the Future, Through Education” by Nicholas Falgiatano, Managing Director, Sandvik Coromant Mexico. (AA2695)
What does it actually take to build a successful career in financial markets?In this episode, Anthony Cheung sits down with Jamie Philip, who began his career trading at a hedge fund before spending nearly 19 years at J.P. Morgan, ultimately becoming Managing Director and Head of EMEA Futures and Options Execution Sales.Jamie shares what senior bankers really look for when hiring graduates, why being teachable can matter more than appearing impressive, and the mistakes young professionals often make once they land their first job in finance.We also discuss the importance of consistency, trust and reputation, why comparing yourself to others can derail your career, and the lessons Jamie learned from nearly two decades inside one of the world's biggest investment banks.For anyone trying to break into investment banking, sales and trading or financial markets, this is an inside look at what it takes not just to get the job, but to build a career that lasts.00:00 Breaking Into Finance02:58 Buy Side to Sell Side10:13 A Non-Linear Path 17:18 What MDs Look for in Graduates20:24 How to Stand Out22:28 Why Consistency Matters27:11 Handling Mistakes Under Pressure29:43 The Early Career Trap32:46 Money, Success & Perspective37:08 Finding Work-Life Balance43:49 Jamie's Advice for Graduates
Send us Fan MailIn this episode of the WTR Small Cap Spotlight, Jeff Robertson, Managing Director of Natural Resources at Water Tower Research, joins Tim Gerdeman to recap the nine energy companies he hosted at the WTR Insights Conference on September 22 and 23, including seven E&P names and two oil field service companies.Jeff Robertson breaks down what management teams said about capital discipline against a volatile commodity backdrop, why producers are not adding rigs at current prices, and how balance sheet repair, royalty and mineral strategies, capital structure simplification, and the conventional Permian are shaping individual stories. The discussion also covers the shift toward collars over swaps in hedging, the risk and reward profile of West African portfolios, and how dividends and buybacks function differently within shareholder return frameworks.The conversation closes on the oil field services side with deepwater positioning, specialized manufacturing exposure, and why these businesses may be valued on a near-term cycle rather than a longer-term capital spending one. Jeff Robertson wraps with the milestones he is watching over the next six to 12 months.All nine presentations are available on demand at https://event.webcasts.com/viewer/portal.jsp?ei=1770861&tp_key=bfed48f4a8Additional content available https://www.watertowerresearch.com/sector/5
Terence Lee is the CEO and Managing Editor of Nepal Traveller. Madhav Adhikari is the Founder and Managing Director of Footprint Adventure, a Kathmandu-based trekking and travel company.
Suggest Guests For Our Podcast: https://forms.gle/ytt6a9jxe8YwzsGD6 Suman Rayamajhi, Managing Director and Co-founder of Upaya, joins us for an in-depth conversation about entrepreneurship, business growth, logistics, investment, and what it really takes to scale a company in Nepal. Suman shares his journey from being a CA to becoming a business owner and explains how Upaya was built, how the company navigated COVID, and the challenges involved in growing a logistics business in Nepal. The conversation explores the leadership qualities founders need, how stock options work, what investors actually look for before investing, and how entrepreneurs can prepare their businesses for funding. We also discuss working with vendors, cash on delivery, inventory and warehouse management, the high cost of capital in different sectors, post-flood logistics management, and the potential use of drones in logistics. The discussion then moves into startup scalability, funding and investment, Upaya's international expansion, and the difficulties entrepreneurs face while doing business in Nepal. Suman also shares his perspective on whether Nepal can produce a $1 billion company and what would need to change for Nepali startups to reach that scale. A practical conversation for anyone interested in Suman Rayamajhi, Upaya Nepal, entrepreneurship Nepal, startup funding, investors, business leadership, logistics business, startup scalability, warehouse management, and building a successful business in Nepal. GET CONNECTED WITH Suman Rayamajhi: LinkedIn - https://np.linkedin.com/in/suman-rayamajhi-0834507a
Managing Director of Innovation DuPage, Dan Facchini, joins Jon Hansen on Your Money Matters to discuss how their programs are helping businesses and organizations grow. They are joined by Scott Hubbard of Hubbard Communications, who discusses how they are helping leaders communicate ideas, build confidence, and focus on emerging leader development through hands-on, behavior-based coaching. For more […]
Last week, WWF hosted its first-ever Panda House, a full day of panel sessions during Climate Week NYC — the annual gathering timed to coincide with the UN General Assembly, where leaders from across the climate and conservation world come together to debate ideas and push for action. In this special recap episode, host Seth Larson and WWF's Sarah Wilson bring you inside Panda House, with a series of short conversations recorded live between panel sessions. The day's discussions spanned carbon markets, tropical forest protection, and ocean conservation, but one theme ran through the day: finance. In other words, how do we raise the funds required to conserve nature at scale? In this episode you'll hear from: Andrew Deutz, WWF's Managing Director of Global Policy and Partnerships, about the newly released Financing Nature 2026 report that WWF co-released with The Nature Conservancy and the Paulson Institute; Stephanie Cappa, WWF's Director of Policy and Government Affairs, about the Tropical Forest Forever Facility; and John Morton, WWF's Executive Managing Director for Nature Finance & Investment, about carbon markets, how Climate Week has changed over the years, and what gives him hope for the future. Together, these conversations offer a snapshot of where the nature finance conversation stands today, and what it will take to close the gap between what's being spent and what's actually needed. Links for More Info: REPORT: Financing Nature 2026 Andrew Deutz bio Stephanie Cappa bio John Morton bio Chapters: 0:00 Intro 1:04 Andrew Deutz on the Financing Nature 2026 report 4:23 Stephanie Cappa on the Tropical Forest Forever Facility (TFFF) 8:06 John Morton on carbon markets and more 11:52 Outro
In this episode of The Purposeful Strategist, Belden Menkus speaks with David Ferguson, Executive Chair at Seccl, about how a broader purpose can drive a successful business strategy in the financial sector.Seccl provides the back-end infrastructure for numerous investment and wealth management companies including Monzo's pensions and GoHenry's Junior ISA.In their conversation, they discuss:· How Seccl has matured since David joined in 2022.· What a financial sector which promotes “investing well” should look like.· Seccl's choice to work with companies who have transparent consumer-facing practices, and to decline working with companies who don't.· How Seccl's financial infrastructure can serve as a springboard for smaller companies to enter the market, increasing competition in the marketplace.· David's thoughts on the current and future state of the wealth management sector. Seccl: https://seccl.tech/Menkus & Associates: https://www.menkus.com/Supported by Norman Broadbent: https://www.normanbroadbent.com/Belden Menkus is the Managing Director of Menkus & Associates, the strategy firm for businesses with a broader purpose. His McKinsey training combined with more than 30 years working at Board and ExCo level gives him both the analytical rigour and the relational experience that complex, high-stakes leadership situations demand.Belden hosts The Purposeful Strategist, a weekly podcast. It explores how senior leaders bring purpose to life through strategy and reflects the same questions that drive the consulting work.
Kaitlin Lee is a Quandamooka and Kaanju Aboriginal woman, and Managing Director of Yura Consultancy. Her business partners with organisations and communities to embed cultural leadership and foster generational change. Listen as she discusses what it means to feel empowered - to have freedom of choice, freedom of being, and a strong connection to culture.
Stijn Schmitz welcomes back Florian Grummes to the show. Florian is the Founder and Managing Director of Midas Touch Consulting. The discussion opens with concerns about equity markets at all-time highs, rising Treasury yields, and Middle East energy disruptions. Grummes argues the financial system is walking on a tightrope, but central banks will continue printing money to sustain the “paper Ponzi scheme,” delaying any systemic break. He sees the US midterm elections as a near-term uncertainty, expecting markets to struggle until then, followed by a possible year-end rally. On energy, he believes oil prices are being managed and warns that a proposed US diesel export ban could severely stress Europe, potentially leading to supply chain issues and food shortages, advising listeners to prepare by stocking essentials. Grummes remains bullish on oil producers, citing a strong uptrend, and foresees an inflationary spiral driven by rising bond yields and money supply expansion. He emphasizes that gold's fundamental drivers are intact: central bank buying, Asian demand, a shift from bonds to precious metals, and ongoing liquidity injections. Technically, gold is in a correction since January, with support around $4,000; a break below could target $3,500, but he views dips as buying opportunities. He highlights the long-term secular bull market in gold and expects miners to benefit from healthy margins and strong balance sheets, though near-term tax-loss selling may create pressure. For mining investments, he stresses the importance of management track record, jurisdictional safety, concentrated portfolios, and having an exit strategy. He favors stocks with declining volume on pullbacks, indicating weak hands are being squeezed out. Grummes concludes by inviting listeners to his website and Substack for daily and weekly analysis. Timestamps: 00:00:00 – Introduction 00:00:40 – Current Market Overview 00:01:49 – Paper Ponzi Scheme Concerns 00:02:43 – Middle East Energy Disruptions 00:03:38 – Midterm Elections Impact 00:06:28 – US Geopolitical Weakness 00:09:12 – Diesel Export Ban Feasibility 00:10:10 – Oil Producers Outlook 00:11:24 – Preparing for Supply Shortages 00:12:50 – Economic Slowdown Implications 00:16:22 – Fiat Currency Debasement 00:20:48 – Gold Market Fundamentals 00:28:10 – China Gold Trade Strategy 00:33:16 – Gold Miners Opportunities 00:37:47 – Investment Pitfalls Advice 00:42:38 – Stock Setup Opportunities 00:43:45 – Concluding Thoughts Guest Links: Website: https://www.midastouch-consulting.com X: https://twitter.com/FlorianGrummes Substack: https://substack.com/@midastouchconsulting Telegram: https://t.me/MidasTouchConsulting Free Newsletter: http://eepurl.com/d5Euf LinkedIn: https://www.linkedin.com/in/floriangrummes/ Seeking Alpha: https://seekingalpha.com/author/florian-grummes Facebook: https://www.facebook.com/Midastouchconsulting Florian Grummes is an independent financial analyst, advisor, consultant, mentor, trader & investor as well as an international speaker with more than 30 years of experience in financial markets. Florian is the founder and managing director of his company Midas Touch Consulting, which is specialized in trading & investments as well as consulting, analysis & research with a focus on precious metals, commodities and digital assets. Via Midas Touch Consulting he is publishing daily and weekly gold, silver, bitcoin & cryptocurrency analysis for his numerous international readers. Florian is well known for combining technical, fundamental/macro and sentiment analysis into one often accurate conclusion about the markets.
Warehouses have invested heavily in better visibility inside the four walls. The yard can be a different story. On this episode of The New Warehouse Podcast, Kevin sits down with Ilhan Kolko, President and Managing Director at Aviro360, a company focused on real-time yard visibility and gate automation.Built out of logistics operator ConGlobal, Aviro360 combines computer vision, AI, and lightweight hardware to track what is happening outside the warehouse. Ilhan explains why many yards still operate with incomplete information, how that affects decisions, and where automation can unlock capacity.Learn more about Third Wave Automation here. Follow us on LinkedIn and YouTube.Support the show
Adi Filipovic, Managing Director at Resurgens Technology Partners, joins Sean Mooney to discuss his path from Bosnia to Georgia, football to finance, and ultimately into private equity software investing. He shares how mentorship, resilience, and a commitment to operational excellence shaped his career and the way Resurgens partners with software companies. Adi also explains why the software deal market has slowed, how AI is changing investor behavior, and where real value creation may emerge as firms separate hype from durable ROI. This is a grounded conversation on software, resilience, and building value through uncertainty—hit play. Episode Highlights 1:20 - Adi's journey from Bosnia to Augusta, Georgia as a refugee 2:46 - Playing college football at Furman and finding discipline through sports 5:45 - A random networking meeting that led to HIG Capital and private equity 10:22 - Why Adi tells young professionals to optimize for great people 14:29 - Resilience, discomfort, and the hard moments that shape a career 20:13 - How Resurgens integrates operators, talent, and value creation resources 25:38 - Why the software deal market is slower amid AI disruption and uncertainty 35:43 - Adi's book recommendation: behavioral economics and better decision-making
In this episode, SBCA's Director of Strategic Partnerships, Sean Shields, is joined by Molly Butz, SBCA's Managing Director, and Christine Wagner, SBCA's Director of Communications & Marketing. Together, they explore the value of the 2026 Innovative Housing Showcase on the National Mall, an annual event hosted by the U.S. Department of Housing and Urban Development.
Chuck Thompson is Managing Director and head of the Aerospace & Defense Group at BlackArch Partners, the Charlotte-based investment bank owned by Regions Financial Corporation. Chuck's practice reflects a well-traveled and well-spent path – boyhood in Cambridge, MA; college at Colby College, business school at Columbia along with career postings in Abu Dhabi and Dubai, Kenya, and Hong Kong. After receiving his MBA, Chuck worked at Edgeview Partners from 2002-10. In 2017, following a handful of operational/offshore stops, Chuck joined BlackArch, which Region had acquired two years earlier. Today, Region's investment banking platform comprises BlackArch, with its broad industry coverage, and Clearsight Advisors, which focuses more on tech-enabled service firms. Great perspective from Chuck, who is now co-managing BlackArch while maintain his own busy practice.
The first of two episodes recorded live at Ecommerce Expo in partnership with Exactly.com, who provide payment solutions for businesses with big plans. We bring together a number of the speakers and attendees from the event to explore the opportunities and challenges shaping the future of e-commerce. Russell Goldsmith speaks with: 1/ Michael Doherty, Payment Expert, Exactly.com 2/ Viva Avasthi, Managing Director and Executive Director, Homescapes 3/ Kevin Adam, Head of Growth, Drool 4/ Chloe Thomas, Podcast host, E-Commerce MasterPlan 5/ Caleb Slater, Managing Director, Cards2Cash Together they look at the rapid rise of AI, changing payment preferences, customer experience, international growth, and the importance of maintaining a human connection in an increasingly automated world. From open banking and buy now, pay later regulation to paid media strategy, emerging technologies and entrepreneurial lessons, this episode offers practical insights for business leaders navigating today's fast-evolving digital landscape. Topics covered include: How AI is transforming e-commerce and payments Why the human touch still matters Growth strategies for scaling online businesses Cross-border expansion opportunities Open banking, digital wallets and payment innovation Building brand value without relying on discounts Lessons from founders, marketers and industry leaders
Start investing in the Caribbean:https://www.moneymissionja.com/start-hereTonight, we meet Luwanna Williams, the new Managing Director of JN Bank. We'll talk about her return to the JN Group, her early priorities, customer experience, digital banking, access to financing, JN's mutual model and her vision for the institution.******************SEGMENTS: 0:00- Intro1:05 - What's Hot in Business7:29- Discussion39:23 - Market Recap48:36 - The Analysts - Getting your business ready for growth*******************Get Caribbean Money News and Investment Alerts:https://getmoneynews.com******************Track your portfolio with MyMoneyJaUse code MONEYMISSION for 10% offhttps://mymoneyja.com/MONEYMISSION *********************
What if every market research project could continue contributing to business decisions after its original question had been answered? In this episode of Tech Talks Daily, I'm joined by Phil Ahad, Managing Director of Data at Cint, to discuss why he believes companies should move away from disposable research. For decades, the familiar model has been straightforward. A business asks a question, commissions a study, receives the answer and begins again when the next question appears. Phil argues that this process wastes useful information and repeatedly asks people for details that may already be available. His alternative is an always-on human data engine that allows new studies to build on previous research. Existing responses can be combined with first-party information, third-party sources, transactional records and behavioral signals. Phil says this can help organizations answer new questions faster while reducing the burden placed on respondents. That burden matters because survey fatigue is often misunderstood. Phil does not believe people have stopped wanting to share opinions. The problem is the experience. Customers are repeatedly asked long batteries of familiar questions, often after everyday transactions, because the structure of data collection has changed remarkably little since paper surveys. If researchers already know much of the background, they can ask fewer questions and focus on the reasons behind a person's decision. We also examine synthetic data, a term Phil openly dislikes, and the growing use of AI personas or digital twins. At one end of the spectrum, a model might add 200 modeled responses to an 800-person study so researchers can work with a sample of 1,000. Phil says this extends an existing data set rather than creating genuinely new insight. At the other end, a company may create a digital representation of a person from survey responses, purchasing patterns, mobile activity and other signals, then ask that representation new questions. The opportunity is faster research with less repeated questioning. The risk is believing the model knows a person better than the evidence allows. Phil says the industry must test how much information is required to predict an answer with an acceptable level of confidence. He expects progress to come from repeated comparison and validation rather than a single certification method or technical shortcut. For business leaders, this makes transparency as important as speed. Before relying on AI-augmented research for a major decision, they need to understand where the original data came from, how modeled responses were created, how performance was tested and where human judgment remains involved. Phil also notes that strong decisions rarely rely on a single input. Companies bring together research, customer records, benchmarks and other sources before deciding what to do. Cint's ambition, as Phil describes it, is to turn recurring tracking studies into a continuing source of insight. He says roughly one million people pass through the company's ecosystem each day, giving Cint an asset that can be combined with increasingly accessible technology. The larger challenge is making useful sense of growing data volumes at business speed. Could continuous research help your organization ask people fewer, better questions, or would AI-generated responses introduce uncertainty that outweighs the speed gained? Listen to the episode and share your thoughts with me.
For episode 777 of the BlockHash Podcast, host Brandon Zemp is joined by Kenneth Shek, CEO at Moca Network and Managing Director at Animoca Brands.Kenneth leads the Moca Network, Animoca Brands' identity ecosystem, building decentralized identity infrastructure across a network spanning more than 500 portfolio companies and 700M+ addressable users, and can discuss AI agents and digital identity, the future of online trust, agentic commerce, and why identity will become a foundational layer of the AI-powered internet.
Wealth Catalyst is where women go to take the conversation further, and Leah Solivan's journey from building TaskRabbit to backing the next generation of founders fits that mission perfectly. Two percent. Leah says that's the share of women who receive venture capital funding for their businesses. After spending years raising money as a founder, she now sits on the other side of the table, investing in companies and working to expand who gets access to capital. Host Syama Bunten talks with Leah Solivan, founder of TaskRabbit and Managing Director of Precedent.vc, about the TaskRabbit founder story that started with a $27,000 pension and eventually led to an acquisition by IKEA. Leah shares how she went from knowing almost nothing about venture capital to learning how to pitch investors and raise money for her company. An email to the CEO of Zipcar became a pivotal connection, opening the door to mentorship, warm introductions, and some of TaskRabbit's first angel investors. Those early relationships shaped how Leah thinks about investing today. For anyone interested in angel investing for beginners or wondering how to become an angel investor, she shares the story behind the first check she wrote into someone else's company and why backing founders became the natural next chapter after TaskRabbit. Listen to hear how she chose IKEA over two other offers, how she built a career in venture after the acquisition, and what she is teaching her own kids about money. Join the Wealth Catalyst Summit, a full-day event in San Francisco this October 16, and claim your seat at wealthcatalyst.com. Episode Breakdown: 00:00 Leah Solivan's early entrepreneurial spark in Massachusetts 06:19 Choosing a college for its ballet program 09:34 Landing an engineering job during the dot com bust 11:14 Using an IBM pension to fund TaskRabbit 17:03 The Cold Email That Led to Her First Angel Investors 19:22 Learning How to Pitch Investors 25:04 How to become an angel investor herself 28:44 Choosing IKEA over two other acquisition offers 35:05 Launching Precedent VC and Breaking Precedent 42:29 Why venture capital still fails women founders Find more from Syama Bunten: Your money story may be shaping your financial life more than you realize. After hundreds of conversations with women at all stages of their financial lives, Syama distilled the questions that helped her understand her own patterns into The Money Story Reset, a free guide featuring five guided reflections and personal stories from her journey. Download The Money Story Reset and begin uncovering the beliefs behind your financial decisions: https://wealthcatalyst.com/reset/ Apply For Your Seat @ The 4th Wealth Catalyst Summit | San Francisco, October 16: https://wealthcatalyst.com/sf2026/ Register to Attend a Salon Near You: https://wealthcatalyst.com/salons/ Instagram: https://www.instagram.com/syama.co/ Join Syama's Substack: https://thewealthcatalystwithsyama.substack.com/ Website: https://wealthcatalyst.com/ Big Delta Capital: https://www.bigdeltacapital.com/ Podcast production and show notes provided by HiveCast.fm
Ist das klassische Kernsystem tot, jetzt wo KI ganze Prozesse selbst bauen kann? In dieser Folge diskutieren wir mit Sven Schlünzen (Managing Director) und Jochen Wehr (Business Unit Lead Client & Partner Management) von adesso insurance solutions, warum Bestandssysteme und Agentic AI kein Widerspruch sind – sondern der neue Standard.Wir sprechen über den "Agentic Layer", der KI-Agenten mit Kernsystemen verbindet, warum Deterministik für BaFin & EU AI Act entscheidend ist, wie ein Schadenprozess heute schon vollautomatisiert abläuft – und warum das bis zu 35 % Effizienzgewinn und 4 Prozentpunkte Combined-Ratio-Verbesserung bringen kann. Plus: Wird der Sachbearbeiter zum Supervisor eigener KI-Agenten?Jetzt reinhören – für alle, die wissen wollen, wie KI die Versicherungsbranche wirklich verändert.Schreibt uns gerne eine Nachricht! Hier geht es zur PTA Stelle "Business Analyse Versicherung (m/w/d)!Jetzt mit dem Code "Monday" 10% auf Deinen Plaud Pro sichern!Folge uns auf unserer LinkedIn Unternehmensseite für weitere spannende Updates.Unsere Website: https://www.insurancemondaypodcast.de/Du möchtest Gast beim Insurance Monday Podcast sein? Schreibe uns unter info@insurancemondaypodcast.de und wir melden uns umgehend bei Dir.Dieser Podcast wird von dean productions produziert.Vielen Dank, dass Du unseren Podcast hörst!
Mindy Brashears, Ph.D. is the U.S. Department of Agriculture's (USDA's) Under Secretary for Food Safety. She previously served as Under Secretary for Food Safety from 2020–2021, and Deputy Under Secretary in 2019. Dr. Brashears returns to USDA from Texas Tech University, where she was a Paul Whitfield Horn Distinguished Professor of Food Safety and Public Health, the Roth and Letch Family Endowed Chair for Food Safety, and the Director of the International Center for Food Industry Excellence. Dr. Brashears' research program has advanced food safety in meat and poultry production, with a focus on public health. Her work evaluated interventions in pre- and post-harvest environments and antimicrobial drug resistance in animal feeding systems. She has led international research teams across the globe to enhance food safety, security, and sustainable agriculture systems. Her research has resulted in more than 20 patents and patents pending for innovations in food safety. Beyond academia, Dr. Brashears has held leadership roles on boards and advisory committees, including the American Meat Science Association, the Development Council, the International Stockman's Educational Foundation, and the Protein Pact. She was a founding member of the SAFE Think Tank and has chaired the National Alliance for Food Safety and Security and the USDA's multi-state research group. Her contributions have earned national and international recognition, including induction into the Meat Industry Hall of Fame, Fellow status in the American Meat Science Association (AMSA) and the National Academy of Inventors, and numerous awards from leading associations. Carmen Rottenberg is a leader in food safety and agriculture policy, serving as Managing Director of Groundswell Strategy a Board Member for the Partnership for Food Safety Education. Prior to launching Groundswell Strategy, Carmen served as Administrator of USDA's Food Safety and Inspection Service. Over her 13 years with USDA, Carmen held several leadership roles and was credited with spearheading key agency initiatives including modernizing food safety inspection systems and establishing and updating pathogen performance standards. Carmen has extensive experience achieving collaboration across federal, state, and municipal agencies including with the Food and Drug Administration (FDA), the Occupational Safety and Health Administration (OSHA), with state departments of agriculture and across USDA's 29 agencies and offices. Carmen began her federal career in the Federal Trade Commission's Office of General Counsel and has experience working in both the public and private sectors. She holds a B.A. degree in Political Science and Philosophy from Hope College and a J.D. from American University's Washington College of Law. In this episode of Food Safety Matters, we speak with Dr. Brashears and Carmen [4:02] about: Why consumer food safety education remains essential to foodborne illness prevention alongside safeguards throughout food production, processing, inspection, and regulation How USDA approaches its role in educating consumers about safe food handling and what effective consumer food safety education looks like Where consumers fit within the shared responsibility for food safety across the farm-to-fork continuum The respective roles of government, industry, and nonprofit organizations in supporting consumers and advancing food safety education Key challenges in translating established, science-based food safety recommendations, including "Clean, Separate, Cook, and Chill," into consistent consumer behaviors How social media, influencers, news outlets, government agencies, and other information sources are affecting consumer trust and food safety messaging Opportunities to make consumer food safety education more effective and accessible through partnerships, communication strategies, educational resources, and targeted outreach Which safe food handling behaviors deserve greater consumer attention, and how food safety professionals can reinforce those messages beyond National Food Safety Education Month. Resources Partnership for Food Safety Education 2026 IFIC Food and Health Survey: A Focus On Food and Ingredient Safety We Want to Hear from You! Please send us your questions and suggestions to podcast@food-safety.com
On this episode of the Insurance Coffee House, Nick Hoadley is joined by Robert Salamon, Co-Founder and Managing Partner, and Anthony Recine, Managing Director, Investments, at BHMS Investments, a Connecticut-based private investment firm focused on the North American lower middle market.Robert explains how BHMS has evolved since he co-founded the firm in 2010. While its team and investment capacity have grown, the firm has maintained a concentrated, high-conviction approach centred on service-oriented businesses, active partnerships with management teams and the conservative use of leverage.Anthony reflects on joining BHMS in 2016 as the firm prepared to raise its first institutional fund. He discusses how the firm's experience and resources have developed while its approach to selecting investments, constructing its funds and working with management teams has remained consistent.The conversation explores how insurance became a significant area of focus for BHMS. Robert explains why insurance brokerage initially stood out as an attractive investment opportunity, with strong customer retention, recurring revenue, clear value across the supply chain and significant scope for consolidation.BHMS made its first insurance brokerage investment in 2011 and continued building experience through investments including The Hilb Group, PCF Insurance Services, Inszone Insurance Services and King Risk Partners. Over time, the firm's understanding of the wider insurance ecosystem led it into insurance business process outsourcing, MGAs and technology-enabled insurance platforms.Nick, Robert and Anthony discuss how BHMS has refined its investment strategy as competition and capital entering the insurance sector have increased. Robert explains why the firm does not simply follow the areas attracting the most private equity interest. Instead, it looks for opportunities where its existing knowledge can provide an advantage and where there remains a clear, executable path to value creation.They also examine how BHMS's approach to insurance brokerage has developed from traditional aggregation strategies towards more integrated operating models. Robert explains why integration can allow a business to pursue smaller acquisition targets, access a more fragmented part of the market and reduce its reliance on sellers remaining with the organisation over the long term.Anthony discusses what BHMS looks for in prospective management partners. Alongside an attractive industry and a credible investment plan, the firm considers trustworthiness, work ethic, ambition and alignment. For acquisition-led brokerage strategies, management teams must also understand the commitment involved in completing transactions and building a much larger organisation.The conversation considers how evaluating an MGA differs from evaluating a retail brokerage. Anthony explains the importance of understanding why the MGA exists, what gives it a distinct understanding of the risks it underwrites, the size of its addressable market and whether its operating model can remain defensible as larger competitors enter the sector.Nick and Anthony then discuss what BHMS contributes beyond investment capital. As the first institutional investor in many of its portfolio companies, the firm may initially operate as an outsourced M&A resource before helping the organisation establish its own acquisition capabilities.However, completing acquisitions is only one part of the work. Anthony explains how BHMS supports management teams as they bring separate businesses into a more cohesive organisation. This can include developing accounting, payroll and benefits infrastructure, consolidating carrier relationships, implementing an enterprise-wide CRM, standardising processes and workflows, improving reporting and introducing consistent technology and training.The discussion also explores the challenges that emerge at different stages of growth. New platforms must first establish credibility and demonstrate that they can complete and integrate acquisitions successfully. As the business grows, it must recruit leaders capable of operating at a larger scale while managing the cultural and organisational impact of bringing multiple businesses and teams together.Anthony explains why people, culture and change management are central to building a successful insurance platform. The organisation needs people with the technical ability to develop its systems and processes, as well as the emotional intelligence required to work effectively through a period of significant change.The conversation then turns to BHMS's investment in Boost Insurance. Robert and Anthony explain how Boost supports insurance programmes across areas including capacity, regulatory requirements, policy administration and data. They discuss how its technology helps brokers, MGAs and other distribution partners launch and manage programmes more efficiently while providing reinsurers with timely and detailed information.Nick, Robert and Anthony also consider the role of technology across insurance distribution. They discuss why technology is more likely to strengthen the work of brokers and advisers than remove the need for them, particularly in commercial insurance where clients continue to value specialist guidance, coverage advice and support during a claim.Robert explains why integrated insurance businesses may be particularly well positioned to benefit from new technology. Consistent data, standardised workflows and shared systems make it easier to introduce tools that improve both customer-facing services and operational efficiency.The episode closes with Robert and Anthony addressing common misunderstandings between private equity firms and insurance executives. Robert explains that a private equity investment does not always require an exit after a predetermined number of years and discusses BHMS's approach to finding a suitable future partner with the involvement of the management team.Anthony reflects on what investors can underestimate about insurance. He explains why insurance businesses cannot be assessed purely through systems, processes and financial performance: their greatest assets are their people. Investors must also understand the differences between specific geographies, products and customer segments, as these can expose a business to risks that are not immediately apparent from the broader stability of the insurance market.Learn more about Robert Salamon and his work at BHMS Investments, or connect with Robert on LinkedIn.Connect with Anthony Recine on LinkedIn to follow his work across insurance investment, transactions and portfolio development.Learn more about BHMS Investments.The Insurance Coffee House Podcast is brought to you by Insurance Search.We are a global Insurance Executive Search Consultancy, supporting Insurance and Insurtech businesses to attract and retain the very best insurance talent.Find out more about showcasing your employer brand as a guest on the Insurance Coffee House Podcast or sign up to our News and Insights.Or follow us on LinkedIn, Twitter or Instagram.Insurance Executive Search Consultants in USA, London and Bermuda.Copyright Insurance Search 2025 - All Rights Reserved.
09/29/26: Dustin Gawrylow is the Managing Director of the North Dakota Watchdog Network, and joins Joel Heitkamp on "News and Views" to discuss Measure 1 on the November ballot. Learn more about Dustin and the Watchdog Network at watchingnd.com. (Joel Heitkamp is a talk show host on the Mighty 790 KFGO in Fargo-Moorhead. His award-winning program, “News & Views,” can be heard weekdays from 8 – 11 a.m. Follow Joel on X/Twitter @JoelKFGO.)See omnystudio.com/listener for privacy information.
Most firms think their competition is the CPA office down the street. Jody Padar, co-founder of XcelLabs and the original Radical CPA, says that is not even close. In this episode, she joins Tom Wadelton and Adam Hale to talk about why AI's real job in accounting is making CPAs more human, not replacing them, and how her company built a coaching tool that scores advisors on authenticity and clarity instead of billable hours.Key Takeaways:The real competition isn't another firm. Jody says most CPAs are still comparing themselves to the firm down the street, when the actual threat is a FinTech or a VC-backed startup building a firm from a blank sheet of paper.Navi coaches the human, not the workflow. Jody's company, XcelLabs, built Navi to listen to advisory calls and score CPAs on authenticity, clarity, and impact instead of billable hours.Practice the hard conversation before you have it live. Navi lets CPAs rehearse a pricing conversation or advisory pitch against an AI client before ever picking up the phone with a real one.Humanness is the differentiator for 2030. As AI takes over routine compliance work, Jody argues the CPAs who thrive will be the ones who lead with authentic, well trained client relationships.Episode resources: ● XcelLabs Academy: http://www.xcellabsacademy.com ● If you have questions or would like to be a guest on the show, email us at mcpasuccessshow@anderscpa.com ● Check out the Virtual CFO Playbook Course: https://anderscpa.com/virtual-cfo-services/vcfo-playbook/Quotes:Jody Padar: "It is going to be our humanness."Jody Padar: "Most CPAs don't realize their competition isn't another firm. It's a FinTech or a VC-backed startup that just got a bazillion dollars to build a new firm with a blank slate of paper."Adam Hale: "We have to move to more of a simulation, just like flight. If you learn to fly, they're not throwing you in the airplane and saying, hey, figure it out. They're putting you in something where you can get hands-on experience."Tom Wadelton: "Tons of people are going to come and say, I can give you better-looking dashboards and data, but it's the person who's saying, yeah, but we'll have the conversation in the wisdom."About the Guest Jody Padar, CPA, known as The Radical CPA, is a leading voice in accounting transformation. She pioneered the cloud firm model and has been named to Accounting Today's Top 100 Most Influential People list for more than a decade. A three-time author and sought-after advisor, Jody has helped firms evolve across traditional practices, cloud models, and fintech startups, including Botkeeper and April.Today, she co-founded XcelLabs, where she leads AI-X, an AI-powered firm model helping CPA firms move beyond automation and build future-ready leadership.Website: http://www.xcellabsacademy.comLinkedIn: https://www.linkedin.com/in/jody-padar-18a9711/About the Hosts Tom Wadelton is a Virtual CFO at Anders, bringing over 20 years of financial expertise from his tenure at a Fortune 500 company. He has extensive experience spanning financial management, accounting operations, and information technology integration. Tom specializes in delivering strategic Virtual CFO services, helping businesses optimize their financial performance through advanced accounting solutions. LinkedIn: https://www.linkedin.com/in/tomwadelton/ Adam Hale, CPA, is a Partner and Managing Director of Advisory at Anders, dedicated to transforming traditional accounting practices through innovative Virtual CFO services. With over 20 years in public accounting, Adam has been instrumental in the ideation and development of CPA training courses. LinkedIn: https://www.linkedin.com/in/adamhalecpa/About the Show The Modern CPA Success Show is the go-to podcast for accounting firm owners eager to enhance profitability and master Virtual CFO services. This podcast leverages combined expertise in delivering top-tier Virtual CFO services across North America.Website: https://www.buzzsprout.com/2458888Facebook: https://www.facebook.com/AndersCPALinkedIn: https://www.linkedin.com/company/anders-cpa/Instagram: https://www.instagram.com/anderscpa/YouTube: https://www.youtube.com/@andersvcfo#VirtualCFO #AccountingAI #CPAFirmGrowth
How can private capital turn sustainability challenges into investment opportunities in emerging markets?Monique Mathys-Graaff, Interim Chief Markets Officer at the PRI, is joined by Lisa Genasci, Managing Director, Sustainable Finance, at ADM Capital, and Vishal Bhavsar, Senior VP & Head ESG at Multiples Alternate Asset Management. Lisa and Vishal are practitioners behind two initiatives shortlisted for the PRI Awards: ADM Capital's 'Project Banyan', shortlisted for Recognition for action: nature, and Multiples Alternate Asset Management's 'The Suraksha Operating Model', shortlisted for Recognition for action: human rights. Drawing on their work in private credit and private equity, they discuss how environmental and social considerations can move beyond frameworks to become part of everyday investment decision-making.From financing the often-overlooked SMEs at the heart of Asian agricultural supply chains to embedding human rights and worker safety into portfolio companies, Lisa and Vishal share practical examples of identifying material risks others may miss. They explore how due diligence, investment agreements, loan documents, active engagement and technical assistance can be used to manage risk, strengthen businesses and support long-term value creation. Detailed coverage:Private capital as a driver of real-world changeLisa and Vishal reflect on their unconventional routes into investment and why they came to see finance as a powerful lever for influencing how businesses operate. From environmental challenges across Asia to workplace safety in India, both discuss translating sustainability issues into investment priorities. Finding opportunity in Asia's financing gapLisa explains how agricultural SMEs can sit at the centre of major supply chains while remaining underserved by mainstream finance. Private credit can provide the working and growth capital these businesses need while supporting improvements in traceability, land management, farmer resilience and environmental performance. When environmental risks become financial risksWater stress, biodiversity loss, land degradation and climate volatility can quickly affect yields, supply, procurement costs and ultimately repayment capacity. The discussion explores why looking beyond conventional financial analysis can reveal risks – and opportunities – that might otherwise be missed. Making human rights and worker safety an investment priorityVishal discusses the process of identifying human rights and safety risks across portfolio companies and their wider value chains. Rather than treating these issues as standalone policies, the focus has been on embedding them into business priorities, building internal capabilities and allocating the resources required to address them.Change takes time, buy-in and persistenceEmbedding responsible investment practices does not happen overnight. Vishal describes a three-to-four-year journey from initial conversations and internal buy-in to developing a framework that eventually expanded across upstream and downstream value chains. Embedding sustainability into investment termsThe conversation moves from identifying risk to operationalising it. Lisa explains how sustainability related due diligence, impact targets, action plans and landscape covenants can be incorporated directly into loan documentation, while Vishal outlines how human rights and safety commitments can become part of private equity investment agreements and portfolio action plans. From risk management to value creationResponsible investment can influence more than the individual company receiving capital. Lisa shares how active engagement and technical assistance can improve practices across supply chains, while both guests emphasise the importance of connecting material sustainability issues directly to business outcomes. Chapters:00:00 – Introduction: private capital in emerging markets01:59 – Lisa's journey from environmental issues to private credit04:29 – Vishal's journey: human rights and workplace safety07:47 – Finding opportunity in Asian agriculture and SMEs11:05 – When environmental risks become financial risks13:22 – Making human rights and worker safety a business priority16:20 – The journey from idea to implementation19:22 – Embedding sustainability into private credit23:09 – Integrating human rights into investment decisions25:33 – Lessons for the future of responsible investmentDisclaimer:This podcast and material referenced herein is provided for information only. It is not intended to be investment, legal, tax or other advice, nor is it intended to be relied upon in making an investment or other decision. PRI Association is not responsible for any decision made or action taken based on information on this podcast. Listeners retain sole discretion over whether and how to use the information contained herein. PRI Association is not responsible for and does not endorse third parties featured on in this podcast or any third-party comments, content or other resources that may be included or referenced herein. Unless otherwise stated, podcast content does not necessarily represent the views of signatories to the Principles for Responsible Investment. All information is provided "as is" with no guarantee of completeness, accuracy or timeliness, or of the results obtained from the use of this information, and without warranty of any kind, expressed or implied. PRI Association is committed to compliance with all applicable laws. Copyright © PRI Association 2026. All rights reserved. This content may not be reproduced, or used for any other purpose, without the prior written consent of PRI Association.
Outline and Show NotesTapping the Power of Gen Z with Robyn FehrmanPower Quote: Leadership is the secret sauceSponsor Spot 1:I'd like to thank Kaleidoscope Adventures for sponsoring today's show. Lots of companies can help you organize class trips, but Kaleidoscope helps you organize adventures – because isn't that what student trips should be? Kaleidscope is a full-service tour company offering a range of adventure opportunities and they excel at customizing trips based on your unique context, needs, and goals. Kaleidoscope offers exceptional travel experiences for students (and their group leaders). Thinking about student travel? Reach out to Kaleidoscope using the link in the show notes.Show IntroGuest Bio: Robyn Fehrman is Executive Director of Teach For America North Carolina and has dedicated her career to scaling impact enterprises and catalyzing systems change toward a vision of an excellent education for all. For the last 15 years, Robyn has worked at the intersection of education and innovation locally, nationally, and globally. Prior roles include Founding Partner of LearnerStudio, President & CEO of Enactus, and Managing Director of Duke University's Center for the Advancement of Social Entrepreneurship. She also served as Executive Director of Teach for America Eastern North Carolina. Robyn is a lifelong North Carolinian who resides in Durham with her husband and two children. She earned her Master of Public Administration and Bachelor of Arts degrees from the University of North Carolina at Chapel Hill.Warmup questions:We always like to start with a celebration. What are you celebrating today?Is there a story that will help listeners understand why you are doing what you do?Questions/Topics/PromptsI was born in 1963, which technically makes me a boomer. My wife was born in 1965, which makes her Gen X, and I tease her endlessly about this difference. The point is, the generations are not cut and dry. Before we wade into generational differences, what do we need to keep in mind?Is the acceleration of technology creating more compressed generations?[I think what will make this episode stand out is looking at the generational and hierarchical differences from multiple perspectives] Schools are filled with multiple generations. The most recent generations comprise the student population, but when we think about teachers, building administrators, and district leadership, generational “hierarchies” can quickly break down, so it's not just boomers supervising millennials, the reverse can also be happening. I'm not sure what the best way is to approach this, but let's dig in…Sponsor Spot 2:I want to thank IXL for sponsoring this podcast…Everyone talks about the power of data-driven instruction. But what does that actually look like? Look no further than IXL, the ultimate online learning and teaching platform for K to 12. IXL gives you meaningful insights that drive real progress, and research can prove it. Studies across 45 states show that schools who use IXL outperform other schools on state tests. Educators who use IXL love that they can easily see how their school is performing in real-time to make better instructional decisions. And IXL doesn't stop at just data. IXL also brings an entire ecosystem of resources for your teachers, with a complete curriculum, personalized learning plans, and so much more. It's no wonder that IXL is used in 95 of the top 100 school districts. Ready to join them? Visit ixl.com/assistant to get started.Closing questions:What part of your own leadership are you still trying to get better at?If listeners could take just one thing away from today's podcast, what would it be?Before we go, is there anything else that you'd like to share with our listeners?Where can people learn more about you and your work…Summary/wrap upLead with learning about them and creating a sense of belongingRisk averse and need for security – frame as assetsSpecial thanks to the amazing Ranford Almond for the great music on the show. Please support Ranford and the show by checking out his music!Ranford's homepage: https://ranfordalmond.comRanford's music on streaming services: https://streamlink.to/ranfordalmond-oldsoulInstagram: https://www.instagram.com/ranfordalmond/Facebook: https://www.facebook.com/ranfordalmond/Sponsor Links:IXL: http://ixl.com/assistant Kaleidoscope Adventures: https://www.kaleidoscopeadventures.com/ digiCOACH: digiCOACH.com CloseLeadership is a journey and thank you for choosing to walk some of this magical path with me.You can find links to all sorts of stuff in the show notes, including my website https://www.frederickbuskey.com/I love hearing from you. If you have comments or questions, or are interested in having me speak at your school or conference, email me at frederick@frederickbuskey.com or connect with me on LinkedIn.If you are tired of spending time putting out fires and would rather invest time supporting and growing teachers, consider reading my book, A School Leader's Guide to Reclaiming Purpose. The book is available on Amazon. You can find links to it, as well as free book study materials on my website at https://www.frederickbuskey.com/reclaiming-purpose.html Please remember to subscribe, rate, and review the podcast.Remember the secret to good leadership:Be intentional in choosing how you will show up for othersBe fully presentAsk reflective questionsAnd then just listenDon't overcomplicate it, the value is in the listening.Have a great rest of the week!Cheers!Guest Links:NC TfA: https://www.teachforamerica.org/LinkedIn: https://www.linkedin.com/company/25076507/admin/dashboard/ Instagram: https://www.instagram.com/tfa_nc/?hl=en
Every brand that crosses the Atlantic faces the same unspoken question, and almost nobody asks it out loud before they've already spent the budget: should we act like ourselves, or should we act like we belong here? Volkswagen bet on staying unmistakably German and won over American drivers. Other brands have made the opposite bet and won too. There's no universal answer, and that's exactly what makes it a hard call to get right.Daisy Pack, managing director of HUNTER's London office, has spent more than two decades sitting inside that decision for American and British brands trying to win over each other's audiences. In this episode, she walks through how she actually makes the call, using a real campaign for Premier Protein that skipped the obvious American fitness playbook entirely, and explains why the right answer for a brand crossing the Atlantic in 2026 might be the opposite of what worked ten years ago. Listen For4:09 Should American brands emphasize or downplay their identity when entering the UK?8:13 How did Premier Protein make an American brand culturally relevant in Britain?14:05 Why do American and British audiences respond differently to brand storytelling?15:49 When can leaning into Americana actually help a brand connect with British consumers?19:28 What should an American brand do before launching or expanding in the UK?Guest: Daisy Pack, Managing Director, Hunter PR LondonIG | Website | Company LinkedIn | LinkedIn | Hunter UK LinkedIn | EmailDoug DownsSubstack | Website | LinkedIn Subscribe to the Stories and Strategies PR podcast newsletterAre you a brand with a podcast that needs support? Book a meeting with Doug Downs to talk about it.Apply to be a guest on the podcastConnect with usLinkedIn | X | Instagram | You Tube | Facebook | Threads | Bluesky | PinterestSend us a note about this episode. We'll reply and thank you on a future episodeExplore the Statista opportunity in New YorkScroll down and click View All Open Positions then find the NY opportunitySupport the show
Aubrey Masango speaks to Dr Linda Meyer, Managing Director at Rosebank International and Visiting Professor at Nelson Mandela University, about the NSFAS crisis, funding challenges and what prospective and returning students need to know when applying for financial aid for the 2027 academic year. Tags: Aubrey Masango, 702, NSFAS, student funding, higher education, university students, TVET colleges, 2027 applications, financial aid, education, South Africa The Aubrey Masango Show is presented by late night radio broadcaster Aubrey Masango. Aubrey hosts in-depth interviews on controversial political issues and chats to experts offering life advice and guidance in areas of psychology, personal finance and more. All Aubrey’s interviews are podcasted for you to catch-up and listen. Thank you for listening to this podcast from The Aubrey Masango Show. Listen live on weekdays between 20:00 and 24:00 (SA Time) to The Aubrey Masango Show broadcast on 702 https://buff.ly/gk3y0Kj and on CapeTalk between 20:00 and 21:00 (SA Time) https://buff.ly/NnFM3Nk Find out more about the show here https://buff.ly/lzyKCv0 and get all the catch-up podcasts https://buff.ly/rT6znsn Subscribe to the 702 and CapeTalk Daily and Weekly Newsletters https://buff.ly/v5mfet Follow us on social media: 702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/Radio702 702 on YouTube: https://www.youtube.com/@radio702 CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567See omnystudio.com/listener for privacy information.
As the world's two largest economies navigate an increasingly complex relationship, the second 2026 summit between U.S. President Donald Trump and Chinese President Xi Jinping last week offered a fresh window into the future of competition and cooperation between Washington and Beijing. In this episode of Current Account, Clay is joined by Paul Haenle, Managing Director and Head of APAC Policy and Strategic Competitiveness at the JPMorganChase Center for Geopolitics; Samm Sacks, Senior Fellow at New America and Non-Resident Senior Fellow at the Johns Hopkins School of Advanced International Studies (SAIS); and Logan Wright, Partner and Head of China Markets Research at Rhodium Group and author of the new book Broken China: How the Economic Miracle Shattered and What it Means for the World, to assess what emerged from the summit. Together, they explore the extension of the trade truce, the beginnings of an AI safety dialogue, the evolving economic balance between the two countries, and the deeper strategic tensions shaping the relationship, while also assessing whether recent stabilization efforts can endure future shocks amid persistent frictions over Taiwan, technology competition, and domestic political pressures. This IIF Podcast was hosted by Clay Lowery, Executive Vice President, Research and Policy, with production and research contributions from Christian Klein, Digital Graphics and Production Associate and Miranda Silverman, Senior Program Assistant.
On this episode, Dustin Ackerman, Managing Director at Future Standard, joins Shiv Narayanan to discuss secondaries and backing GPs, including how to turn existing sponsor relationships into a steady investment pipeline. Learn why focusing on portcos under $1 billion in enterprise value can mean less competition on price, cleaner cap structures and clearer exit paths, and how the GARP framework—growth at a reasonable price—separates real growth from margin sacrificed to chase it.Hear how secondaries are split between LP-led and GP-led in today's market, and why repeat sellers are treating continuation vehicles as a portfolio management tool. Learn why exit activity in the middle market often stays more predictable than in the large-cap space, and how AI is reshaping due diligence and operational value creation across the portfolio.The information contained in this podcast is not intended to constitute, and should not be construed as, investment advice.
Recorded live at Black Hat 2026, this episode features Sarah Gosler, Managing Director and Head of Cyber Resiliency and Human Defense at Wells Fargo. Sarah explains why humans are the largest attack surface and how—when AI has industrialized social engineering and cybersecurity is an "everybody problem"—the role of the CISO has shifted to encompass both the technical and the operational. Sarah makes the case that the more automated attacks get, the more the human side of defense matters.Before Wells Fargo, Sarah was Global Head of Cyber Human Defense and Readiness Products at BNY Mellon, where she built the firm's first commercial cyber product and earned two patents for a dynamic wargaming system. A former chief marketing officer, she brings a user-experience lens to cyber defense and is a featured cast member in Semperis' new documentary Midnight in the War Room.Guest Bio Sarah Gosler is a senior cybersecurity executive focused on cyber resiliency and the human dimension of institutional risk. Her work is grounded in a simple premise: systems break — what matters is whether the organization holds.As Managing Director and Head of Cyber Resiliency & Human Defense at Wells Fargo, Sarah leads initiatives that strengthen how the firm prepares for and responds to cyber incidents. She integrates advanced wargaming, human defense strategy, and behavioral science to enhance institutional coordination, executive decision-making, and organizational performance under stress.Previously, at the Bank of New York, she built and scaled the firm's global Cyber Human Defense program and pioneered its first commercial cyber readiness product, earning two patents in cyber wargaming and advancing industry approaches to social engineering resilience.Sarah is a frequent keynote speaker, media contributor, and published author of white papers on the psychological and organizational dimensions of cyber risk. She is widely recognized for bridging technical resilience with executive leadership and dynamics — shaping how financial institutions address cyber as both a technological and human challenge.With more than two decades at the intersection of finance, technology, and organizational performance, Sarah continues to influence the global conversation on institutional resilience, crisis leadership, and the evolving human front line of cyber defense.Guest Quote “I'm such a big advocate of making sure people don't say that humans are the weakest link. Humans represent the largest attack surface of any company. And so, if you think about it, if that's the biggest attack surface, but you're calling it the weakest link, you're really setting yourself up to fail.”Time stamps 00:30 Meet Sarah Gosler 03:46 Why Weakest Link Is the Wrong Framing 06:18 A Marketing Approach to Cybersecurity 07:30 The Cyber Villains Series 10:02 Cyber Is an Everybody Problem 14:36 Deepfakes on the Rise 15:32 Safe Words as a Cyber Defense 16:41 Sarah's Video Game Creation at BNY Mellon 20:09 The Industrialization of Social Engineering 23:21 Conclusion and Final ThoughtsSponsor The HIP Podcast is brought to you by Semperis, the leader in identity-driven cyber resilience for the hybrid enterprise. Trusted by the world's leading businesses, Semperis protects critical Active Directory and Entra ID environments from cyberattacks, ensuring rapid recovery and business continuity when every second counts. Visit semperis.com to learn more.Links Connect with Sarah on LinkedInConnect with Sean on LinkedInDon't miss future episodesLearn more about SemperisMidnight in the War Room tells the story of cyber defenders on the front lines. See this pioneering documentary at an upcoming screening near you: https://www.semperis.com/midnight-in-the-war-room/events/
Episode 164: This week, Kyle Van Pelt talks with Kristina Baron, Co-Managing Partner and Managing Director at Oxford Financial Group. Kristina started in the industry as a high school intern in a financial advisor's office and later worked at Goldman Sachs before joining Oxford. Today she helps lead a team that serves roughly 700 families across the country. Kyle and Kristina explore what it takes to coordinate advice for families whose needs span investments, estate planning, taxes, trusts, outside advisors, and multiple generations. Kristina shares why understanding a family's values should precede any solution, how Oxford structures teams and communication to make complexity manageable, and why continuity depends on giving younger generations a voice. They also discuss data integrity, connected technology, practical AI applications, and Kristina's concerns about how consolidation and pressure for new revenue streams could reshape the RIA landscape. In this episode: (00:00) - Intro (01:31) - Kristina's money moment (04:56) - Why understanding has to come before expertise (07:10) - Coordinating estate planning across jurisdictions (10:05) - Standing out when every firm says it serves families like yours (15:38) - Working alongside a family's other advisors (18:12) - Making a complex service model feel simple (19:46) - Planning for every generation of the family (23:23) - Why communication breaks down between generations (27:14) - Building the data foundation before layering on technology (30:08) - Where AI fits in serving ultra-high-net-worth families (33:33) - Kristina's outlook on the future of the wealth management industry (36:43) - Kristina's Milemarker Minute Key Takeaways Understand the family before designing the solution. Technical expertise only goes so far when several generations, advisors, and priorities are involved. Open-ended questions about values, concerns, and goals help determine what the family actually needs before specialists begin solving for it. Coordination matters as much as specialization. Complex families may work with attorneys, CPAs, insurance professionals, and multiple wealth managers at once. Shared communication, clearly assigned follow-up items, and a coordinated team help keep good individual advice from becoming a fragmented overall plan. Bring the next generation into the conversation before a transition happens. Continuity becomes harder when a family structure reflects only the founder generation's priorities. Families can preserve important values while still giving later generations enough context and voice to understand, engage with, and eventually help shape the plan. Build the data foundation before expecting more from AI. Clean information and connected systems reduce manual work and give AI more useful problems to solve. The opportunity is to accelerate analysis and information retrieval while preserving human judgment and the personal interaction that complex families still value. Quotes "Facts help drive decision-making, but I think feelings and values drive even more important decision-making." ~ Kristina Baron "We can't fool ourselves that we're the best at everything, so we need to work together as a team to accomplish it, and really understand what it is that you're trying to solve for." ~ Kristina Baron "There's a way to still hold true to the values of generation one, while also allowing conversations and evolution into what's really important for generation two and beyond." ~ Kristina Baron Links Kristina Baron on LinkedIn Oxford Financial Group Jeffrey H. Thomasson — Founder and CEO of Oxford Financial Group Morningstar Direct Goldman Sachs Kubota Marie Benedict What Got You Here Won't Get You There by Marshall Goldsmith and Mark Reiter Good to Great by Jim Collins Unreasonable Hospitality by Will Guidara Connect with our hosts Milemarker.co Kyle on LinkedIn Jud on LinkedIn Subscribe and stay in touch Apple Podcasts Spotify YouTube
En el nuevo episodio de B ETFs, el instrumento que mueve al mundo financiero, ahora en tu oído, recibimos a Benjamin Souza, Managing Director y Latin America Investment Strategist en BlackRock, quien nos habla sobre cómo la IA está transformando la renta variable, los semiconductores, el crédito, las tasas y la infraestructura; y qué están revelando los flujos hacia ETFs sobre las decisiones de los inversionistas. Conducido por Eduardo Calderón, Director de Operaciones de BIVA.
What does it take to move from a corporate career into entrepreneurship — and then build and scale a technology business internationally?In this episode of Buy-and-Build & Scaling Stories, Anirvan Sen speaks with Samit Sengupta, Founder and Managing Director of Geologix, about his journey from corporate leader to entrepreneur.But this is not simply a story about starting a company.It is about what happens as the company grows — when the founder's expertise is no longer enough, hiring becomes harder, the organization becomes more complex, and the entrepreneur must evolve alongside the business.Samit shares how his early experience working on oil rigs gave him a first-hand understanding of his customers and helped shape the way he approached the market.He also speaks candidly about one of the challenges many founders eventually face: becoming a bottleneck in their own business.Our conversation then turns to one of the biggest challenges for growing SMEs — hiring.Samit discusses mistakes made by pursuing candidates with impressive “gold label” companies on their CVs and why experience in a major corporation did not always translate into success in a smaller entrepreneurial business.That experience led to a different approach: recruiting less-experienced people, looking closely at their attitude and problem-solving ability, and investing in developing their capabilities over time.We also discuss Geologix's experience with freemium, international scaling, and why Samit continues investing in his own leadership development even after decades of experience.• Samit's journey from corporate leader to entrepreneur• How experience on oil rigs shaped his understanding of customers• Winning the confidence of early customers• Building and scaling an international technology business• Recognizing when the founder becomes a bottleneck• Why impressive corporate CVs do not always produce the right SME hires• Hiring less-experienced people and developing their capabilities• Looking for attitude and problem-solving ability during interviews• Geologix's experience with freemium• Why entrepreneurs need to continue upgrading their own leadership capabilitiesAs your company grows, are you simply building a bigger business — or are you building an organization capable of operating at a bigger scale?One of the strongest lessons from Samit's journey is that the capabilities required to start a business are not necessarily the capabilities required to scale it.Starting often depends heavily on the founder's knowledge, relationships, expertise, and problem-solving ability.Scaling increasingly depends on building those capabilities throughout the organization.And that requires the entrepreneur to keep evolving too.------------Connect with Samit Senguptahttps://www.linkedin.com/in/samit-sengupta-b560613/Geologix:https://www.geologix.com/--------Connect with Anirvan SenLinkedIn: https://www.linkedin.com/in/anirvansen/-------------About Buy-and-Build & Scaling StoriesBuy-and-Build & Scaling Stories brings together founders, CEOs, CFOs, investors, operators, and advisers who have lived through the challenges of building, acquiring, scaling, and exiting businesses.These are stories from inside the journey — the decisions, challenges, mistakes, and lessons that rarely appear in deal announcements or investment presentations.Hosted by Fifth Chrome.Presented by Anirvan Sen.
For DERIX, the take-back obligation is both a commitment to circularity and an economic advantage. Antonia Görg, Project and Sustainability Manager at DERIX, and Markus Steppler, Managing Director at DERIX, explain how the timber construction company has built a take-back obligation into its contracts. What you'll hear in this episode: • How DERIX's take-back obligation works, from the contract to the return of timber elements • How returned timber is assessed, priced and either reused or remanufactured • Why DERIX sees take-back as a future source of timber and plans to use material from other manufacturers as well The conversation also covers the product data needed to reuse timber in the future, how take-back is connected to carbon credits, and the challenge of building a return system before large volumes of material start coming back. This is the first episode of our B2B Take-Back series.
In this episode of the AfriCan Geopardy Podcast, I spoke with Sandra Larbi, MS. HRM, Managing Director of WorldRecruit Services Limited, Ghana, about:“Who Protects the African Worker at Sea? Race, Power, and the Global Maritime Labour Chain.”Slavery ought to have ended, but sadly, the experiences of some African seafarers show that exploitative and deeply unequal working conditions persist. The case in Scotland, UK, which received media attention, is one such example.In this episode, we discuss the inhumane treatment experienced by African seafarers and what these experiences reveal about race, power and the global maritime labour chain.We also reflect on the wider implications. According to UNCTAD, Africa accounts for just 1.3% of the world's merchant fleet. Yet Africa is increasingly being looked to as part of the solution to the projected global shortage of seafarers. This creates a fundamental contradiction: while the world looks to Africa for seafarers, African countries and young people depend heavily on the global shipping industry to provide the sea-time opportunities they need to gain the experience required to enter and progress in the profession.So, who protects the African worker at sea?We discuss possible solutions, including accountability, meaningful action, and calls for reparations from the Scottish Parliament (Holyrood) in response to documented injustices.A huge thank you to Sandra Larbi, MS. HRM, for sharing her time, knowledge and expertise.Further reading: Sandra Larbi's reflection, “From Dream to Reality: The Aspirations of Coastal Seafarers,” offers another perspective on the aspirations and experiences of coastal seafarers. Read Sandra Larbi's article on LinkedInPlease listen, share and support the work of the organisations working to improve the rights, dignity and working conditions of African seafarers.#HumanRights #RaceAndPower #MaritimeSecurity
Dave Simons, Partner and Managing Director of One Private Wealth, joins Chris and Amy for his weekly visit. He says we're in a, 'low fire, low hire economy.' He chats about consumer confidence, but says the market is nowhere near the issues of 2009 when the 'bubble' burst, but calls the current economy in the 'doldrums.' Visit OnePWM.com
In this episode, we're joined by Khieem Jackson, Managing Director of the Reaching At-Promise Students Association (RAPSA), to discuss how schools and communities can work together to create opportunities for students to succeed, despite the obstacles they may face. Learn more about RAPSA: https://rapsa.org/
Rund um das Schweizer Nationalteam will einfach keine Ruhe einkehren. Nach dem Geständnis von Granit Xhaka, sich vor vielen Jahren ein gefälschtes Covid-Impfzertifikat gekauft zu haben, sorgen weitere Schlagzeilen für Diskussionen: Xhaka soll als Spieler des FC Arsenal mit dem gefälschten Zertifikat verbotenerweise in die USA eingereist sein. Und Stürmer Breel Embolo wurde im November 2025 wegen mehrfacher Anstiftung zur Urkundenfälschung während der Corona-Zeit verurteilt.Können Granit Xhaka und Breel Embolo unter diesen Umständen weiterhin Nationalspieler sein? Welchen ethischen Massstab muss der Schweizer Fussballverband bei seinen Spielern anlegen? Und wie weit reicht die Verantwortung von Fussballern, die am Ende Sportler und nicht in erster Linie moralische Vorbilder sind? Die Diskussion wirft auch eine grundsätzliche Frage auf: Wo zieht der Schweizer Fussballverband künftig die Grenze, wenn es um juristische Verfehlungen von Nationalspielern geht?Diese Debatte überstrahlt den ersten Einsatz der Schweiz in Nordmazedonien. Im Fokus stehen zudem die jüngsten Personalien beim FC Basel: der neue Trainer, der neue Managing Director, der Chief Communications and Club Media Officer sowie der sportliche Leiter, der seine Zukunft weiterhin lieber nur kurzfristig plant.Das alles und mehr in der 369. Ausgabe der «Dritten Halbzeit» – dem Fussball-Podcast über das Schweizer Nationalteam, den FC Basel und die aktuellen Themen im Schweizer Fussball.Die Themen:00:00 Intro04:11 Wie weiter mit Xhaka und Embolo?31:07 Schweizer Sieg in Nordmazedonien44:37 Der FCB hat einen neuen TrainerWeitere Informationen und Artikel zum Thema: Athekame spielt sich in die Herzen der Fans, aber einer überflügelt alle«Kannst du Granit anrufen?»: Nach aufwühlenden Tagen witzeln die Schweizer wiederDer Embolo-Ersatz liefert gross ab, ein Debütant glänzt mit zwei AssistsNach den Wirren um Xhaka und Embolo: Die Schweizer sorgen doch für AufbruchstimmmungSRF-Fussballexperte Benjamin Huggel: «Das ist das grösste Problem für den SFV: Es könnte noch andere in der Delegation treffen»Erst Xhaka, dann Embolo – Yakin wirkt jetzt zum Teil genervtDer neue FCB-Trainer heisst Slavisa Jokanovic In der Dritten Halbzeit wird über den Schweizer Fussball diskutiert. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
Supporters of the Fix Our Forests Act are urging Congress to include the measure in the annual defense authorization bill. Their argument is that wildfires can threaten military installations, disrupt training, strain critical infrastructure, and increase demands on the National Guard. Here to make that case is Tyson Bertone-Riggs, Managing Director for the Alliance for Wildfire Resilience.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Send us Fan MailGuest: Pastor Travis Allen, Grace Church (Greeley, CO)It was a beautiful fall evening at Stone House Farm in Jordan, MN for our recent Speaker Series event featuring Travis Allen, pastor of Grace Church in Greeley, CO and former Managing Director of Grace to You and member of the U.S. Navy Seal teams.135 attendees gathered at the farm for a time of fellowship and dinner on the lawn beside the stone farmhouse, followed by dessert and coffee. Then, as the sun made its downward arc over the rural landscape, we all gathered outside the North Barn for an interview with Travis about current events and issues of the faith. It was a blessed time.We weren't able to fit the entire interview with Travis into today's program but you will hear most of it. So let's get out to Stone House Farm for this interview with Travis Allen at our recent Speaker Series event.
The Stuph File Program Featuring Evan Buist, Managing Director, Melodie; Simon Dorey, author, Toe Jam; & science writer Andrew Fazekas, author of National Geographic’s Backyard Guide to the Night Sky and National Geographic's Stargazer Atlas: The Ultimate Guide To The Night Sky Download Evan Buist is the Managing Director of Melodie, an independent music library based in Australia.(A 30 second teaser YouTube short is available) Simon Dorey has a series of children's books out, with interesting titles like Toe Jam. Science writer, Andrew Fazekas, The Night Sky Guy, author of National Geographic’s Backyard Guide to the Night Sky and National Geographic's Stargazer Atlas: The Ultimate Guide To The Night Sky, is back to talk about space, including the fact that Venus doesn't have a moon, but could it have eaten it?(Patreon Stuph File Program fans, there is a Patreon Reward Extra where we'll discuss potential wars in space; two spacecraft reach Mercury after eight years; an 80,000 year mission to Alpha Centauri; and more). This week's guest slate is presented by Sue Crawley, the Traffic Coordinator with Pattison Media, and a former radio colleague of mine here in Montreal. They're all part of Great Conversations: My Interviews With Two Men On The Moon And A Galaxy Of Stars — my collection of memorable interviews and celebrity encounters. Inside, you'll find conversations with Karl Malden, Cloris Leachman, Christopher Plummer, Ed Asner, Michael Moriarty, Lindsay Wagner, Carol Channing, Julie Newmar, Buddy Ebsen, Bob Denver, Dick Van Patten, Gary Coleman, and many more. And yes… two of my interview subjects actually left their footprints on the Moon.
In Episode 2 of our special podcast series presented in partnership with Clinigen, we celebrate World Pharmacists Day by examining how hospital pharmacy is changing—and where the profession may be headed next. Host Todd Eury welcomes Carel Bouwer, a pharmacist and Managing Director for Clinigen's Africa region, and Nicolene Schoeman, Dispensary Manager at Zuid-Afrikaans Hospital in South Africa. Together, they explore the hospital pharmacist's position at the intersection of science and humanity. Although hospital pharmacists are recognized for their knowledge of medicines, their ability to listen, understand individual patient experiences, and help people navigate complex treatment journeys is equally important. The conversation addresses the pressures reshaping hospital pharmacy, including increasing prescription volumes, workforce shortages, financial constraints, emerging therapies, and changing patient expectations. Carel and Nicolene discuss how the profession can meet these demands without losing the pharmacist-patient relationship that has traditionally defined pharmacy practice. Topics include: What people misunderstand about the work pharmacists perform How pharmacy education must evolve for the next generation Pharmacogenomics, personalized medicine, AI, and digital health Preparing pharmacists for business and operational leadership Integrating pharmacists into multidisciplinary care teams Hospital pharmacists' often-unseen contributions to patient care Pharmacy-led care and its potential to reduce pressure on physicians and hospitals Antibiotic stewardship and expanded clinical responsibilities The continued growth of specialist and prescribing roles Looking ahead, the guests consider a future in which technology manages more routine tasks while pharmacists assume greater responsibility for personalized medicine, clinical decision-making, prescribing, and direct patient care. The future of pharmacy will be more technologically advanced—but its success will still depend on human judgment, empathy, communication, and trust. Host: Todd S. Eury Guests: Carel Bouwer and Nicolene Schoeman Presented in partnership with: Clinigen
Transform Ventures CEO and author of "Bitcoin Supercycle” Michael Terpin joins CoinDesk's Jennifer Sanasie on Markets Outlook to explain why he believes the bear market is over and "Bitcoin winter," the long climb back to the top, has officially begun. Terpin lays out his path to $120K by late next year, why 2028-29 could bring a rare collision of presidential and stock market cycles, when he sees million-dollar bitcoin, and why he believes an altcoin supercycle is coming too. Plus, GSR's Managing Director of Asset Management Andy Baehr on why fixed income, not equities, will be the real catalyst that takes tokenization mainstream. - This episode is brought to you by Grayscale, the world's largest digital asset-focused investment platform. Grayscale's mission is to make digital asset investing simple and open to every investor. Learn more at grayscale.com. - This episode is brought to you by RealFi, a smarter stablecoin, backed by real-world assets. Join the Testnet now at realfi.co. - Timecodes: 00:00 - Michael Terpin Joins Markets Outlook 01:02 - Bitcoin Winter Is Here: Why the Bull Market Has Begun 02:40 - The Four Seasons of Bitcoin, Explained 04:45 - The Path to $120K Bitcoin 06:02 - Does the AI Trade Make This Cycle Different? 07:34 - When Bitcoin Breaks From Risk Assets 08:52 - The 2028-29 Cycle Collision 10:39 - Why Million-Dollar Bitcoin Needs a Supercycle 12:58 - Brand New Rails: Why Fixed Income Beats Equities for Tokenization 16:12 - Million-Dollar Bitcoin by 2037? 17:45 - 95% Mined: The Coming Supply Shock 18:38 - 28M Millionaires, 21M Bitcoin: What the Market Is Missing 19:44 - What Happens When the Last Bitcoin Is Mined? 20:52 - The Coming Altcoin Supercycle 22:53 - Memecoins Meet Tokenized Stocks
Rob Kern, Managing Director of The Hunting Consortium, shares his unique insight from where he sits at the intersection of hunting and conservation. Rob discusses what happens around the world in hunting and conservation. From ethics to professionalism and beyond, you'll take something away from this conversation. Check out The Hunting Consortium: https://huntingconsortium.com Do you have questions we can answer? Send it via DM on IG or through email at info@theoriginsfoundation.org Text us at 601-790-0607 with thoughts, comments and ideas for guests and episodes Support our Conservation Club Members! Classic African Hunting: https://classicafricanhunting.com/ Monarch Marketing Everyone Deserves to Play: https://theoriginsfoundation.org/conservation-projects/everyone-deserves-to-play/ See more from Blood Origins: https://bit.ly/BloodOrigins_Subscribe Music: Migration by Ian Post (Winter Solstice), licensed through artlist.io This podcast is brought to you by Bushnell, who believes in providing the highest quality, most reliable & affordable outdoor products on the market. Your performance is their passion. https://www.bushnell.com This podcast is also brought to you by Silencer Central, who believes in making buying a silencer simple and they handle the paperwork for you. Shop the largest silencer dealer in the world. Get started today! https://www.silencercentral.com Don't forget to go subscribe to our new The Origins Foundation Podcast Youtube channel: http://www.youtube.com/@TheOriginsFoundationPodcast - who knows, you may be a lucky subscriber who wins some cool stuff from our partner companies! Learn more about your ad choices. Visit megaphone.fm/adchoices
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