Podcasts about baby boomer generation

In this lively podcast episode, host Joy Gilfilen has a fascinating conversation with Mel Hoover, who is considered part of the Silent Generation, and shares stories from his life growing up on the East Coast, when Washington Territory was not yet a state.

https://weekly52.de/weekly/389 Was tut sich beim Farmstore und Kitchen und wie feiert Gus seinen 40. Geburtstag? Mehr davon und über die konservative Wende in Neuseeland gibts im Blog und Podcast mit Jana aus Dunedin. Bislang galt Neuseeland als Vorbild-Land beim Klimaschutz, das Land hatte Milliarden in die Dekarbonisierung von Industrie, Verkehr und Landwirtschaft investiert. Die neue Mitte-Rechts-Regierung mit dem politikunerfahrenen PM Christopher Luxon kürzt diese Milliardenmittel jedoch jetzt massiv - um Steuersenkungen zu finanzieren. Wie das Land seine Klimaziele erreichen will, ist jetzt wieder völlig offen. (00:00) Let‘s record in English (02:00) Farmstore and Kitchen fast fertig (03:55) Leben im Tiny-House und Gus wird 40 (06:00) Leben in der schönsten Natur (08:45) Gruppen-Workshop Digitales Marketing (11:00) Investitionen und Installationen (14:20) Ende einer politischen Utopie in Neuseeland (16:00) PM Christopher Luxon: Konservative Wende in Neuseeland (20:00) We are the reset: Alles für die Ökonomie (24:30) Die Wahrheit zurecht lügen (26:00) Angela Merkel, Barack Obama und Robert Habeck (29:45) Die Macht der Baby-Boomer-Generation (32:00) Demokratie auf wackeligen Füßen (33:50) Olympia Sport-Euphorie Paris (40:00) Petition: Stop Wanaka McDonalds (45:00) Michael Keaton als Ray Kroc: The Founder  (48:30) Janas Eltern kommen zu Besuch (52:30) Ideen-Aufruf zum 400. weekly52 ⓦ Blog, Podcast & Artwork ⁠https://www.weekly52.de⁠ ⁠https://anchor.fm/weekly52⁠ ⁠https://open.spotify.com/show/5dcxplgYqorBM19rDGr2xm⁠ ⁠https://podcasts.apple.com/us/podcast/weekly52/id1602894305⁠ ⁠https://www.instagram.com/weekly52.de⁠ ⁠https://www.facebook.com/weekly52⁠ ⁠https://www.facebook.com/thomas.fuengerlings⁠ ⁠https://www.youtube.com/@weekly52⁠ ⓦ weekly52 Signup Newsletter ⁠https://dashboard.mailerlite.com/forms/434333/87863711890408956/share⁠ ⓦ PayPal Link ⁠https://www.paypal.com/donate/?hosted_button_id=DMS3EEKCCU3T4⁠ Das Hosting, Webseite, Videos und Clouddienste kosten echtes Geld. Mit Spenden zeigt ihr eure Wertschätzung und haltet uns motiviert. Danke  ♥️ . . . . . . . . . . . . . . . . . . . 47126Ob4k3h3hyr5r5wxobfpw24wfLcg7s5np7f

Is it time to reopen the auditor general's office for local government? GUEST: Daniel Fontaine, New Westminster City Councillor Potential concrete strike keeps Vancouver's construction industry on its toes GUEST: Jeannine Martin, President of the Vancouver Regional Construction Association The last of the baby boomer generation in politics GUEST: Ben O'Hara Byrne, host of A Little More Conversation with Ben O'Hara Byrne Is it time to end view cones in Vancouver to make room for housing? GUEST: Pete Fry, Green Party Vancouver City Councillor Blue Jays or Mariners - Who is B.C's baseball team? GUEST: Aaron Myette, senior manager for Sports for BCLC and former MLB pitcher How much does fertility treatment actually cost?  GUEST: Geri Mayer-Judson, Show Contributor & Shannon Terrell, Lead Writer & Personal Finance Expert at NerdWallet Learn more about your ad choices. Visit megaphone.fm/adchoices

GUEST: Ben O'Hara Byrne, host of A Little More Conversation with Ben O'Hara Byrne Learn more about your ad choices. Visit megaphone.fm/adchoices

Retirement planning in the current economic climate is more challenging than ever. With the baby boomer generation retiring and fewer people contributing to Social Security, it's important to have a solid retirement plan in place. Annuities can be a valuable tool for generating guaranteed income in retirement, especially for those who don't have a pension plan. Annuities provide a steady stream of income that can supplement Social Security and help cover expenses. It's important to work with an independent fiduciary advisor who can help determine if an annuity is the right option for your specific situation. Call 800-975-6717. Visit Silver Leaf Financial to learn more.See omnystudio.com/listener for privacy information.

Es dauert nicht mehr lange und die Baby-Boomer-Generation ist komplett in Rente. Das bedeutet: Um das aufzufangen, müssen wir im Handwerk mehr ausbilden. Doch wo sollen die Azubis herkommen? Dafür braucht es Ideen und mehr Aufmerksamkeit für eine Ausbildung im Handwerk. Drei Ideen, wie du die Ausbildung in deinem Unternehmen attraktiver gestalten kannst, bekommst du in dieser Podcastfolge.  

Each generation is currently navigating a unique part of the retirement planning experience. With many baby boomers preparing for the transition into retirement, we're going to focus on some of the top questions this age group is asking in today's episode. Stay tuned to see what you can learn from John and Nick this week on Retirement Planning Redefined!   Helpful Information: PFG Website: https://www.pfgprivatewealth.com/ Contact: 813-286-7776 Email: info@pfgprivatewealth.com   Disclaimer: PFG Private Wealth Management, LLC is an SEC Registered Investment Advisor. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. The topics and information discussed during this podcast are not intended to provide tax or legal advice. Investments involve risk, and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial advisor and/or tax professional before implementing any strategy discussed on this podcast. Past performance is not indicative of future performance. Insurance products and services are offered and sold through individually licensed and appointed insurance agents.   Marc: Every generation is currently navigating a unique part of retirement planning experience. No matter what generation you're in, there's going to be different questions that you might want to tackle. So on this week's episode, we're going to talk about that from the baby boomer standpoint, here on Retirement Planning Redefined.   Welcome to another edition of the podcast, folks. Retirement questions that every generation should be asking themselves is the docket this week, and we're going to touch on the baby boomers. We may come back around to some of the other generations right now, but I think for most of our listening demographic, the boomers are certainly going to be ones that want to pay attention. It's interesting, guys, the boomer term has become polarized. It used to be one thing to say just baby boomers or whatever, but now they get a little offended, I think, with the whole boomer thing. It hasn't gone very well on social media the last couple of years, but either way, we're going to talk about that demographic from 1946 to 1964.   It's so funny with these age things, they keep changing it. I was looking at the one for generation X, which is what I am, and now they're saying late '70s when it used to be like '83 or something. So I think they just changed these numbers based on what they want to have happen for conversation pieces. But anyway, we're going to get into that with John and Nick this week. What's going on, John? How you doing, buddy?   John: Doing all right. Actually getting ready for, Nick and I are bringing some Easter baskets to the local children's hospital here. We're going to be handing them out this coming up Friday.   Marc: Oh, very cool.   John: We're excited for that.   Marc: Yeah, very cool. That's nice, you guys are always doing some cool charity things going from around the area, so very, very cool. What's happening, Nick? How are you doing, buddy?   Nick: Good. Staying busy, along the lines of what John was talking about, the group that we're involved in, we're working on a big derby party here in St. Pete, so big event. So that's fun to works the other side of the brain, and then we're just staying busy with... We've got one thing that's been interesting, John and I were talking about it earlier, this area is growing pretty rapidly, and it feels like we've had more clients than ever that are looking to move out of the area and slow down a little bit. So, it's starting to become a little bit of a trend recently, so.   Marc: To move away from Tampa?   Nick: Yeah, yeah. Move away from Tampa or further out to more of the outskirts of the area, but we've had some clients recently like Panhandle, Georgia, North Carolina. The growth here has just been pretty overwhelming.   Marc: Monstrous, yeah.   Nick: Yeah, and-   Marc: There's a lot of states that are that way, right? I mean, there's a number of states where I think people, everyone's flocking from places like New York and California, and it's just like, okay, stop. We can't handle it.   Nick: Yeah, it's interesting because this area, the east coast of Florida has always been like the Atlantic coast south, and then the west coast of Florida where we are has always been a little bit more low-key. Still a decent size, but a little bit more low-key, and it has that feeling like developers and everybody is trying to make it more similar to the East Coast. I think that's kind of pushing some people out, but even because obviously Texas has been a place that's been a popular area for people to move to for some of the similar reasons, whether it's taxes or just how the government runs or whatever their reasoning is. But one of the biggest differences, just reading about Austin, which is I would say Austin's most similar to this area in certain ways from a size perspective and all that, but they've had a huge drop, cost-wise in housing because they've been able to maintain supply. Whereas the housing here is just completely insane at this point, especially in St. Pete.   Marc: I was going to say, across the country, it seems like it's really inventory's low. So, just a lot of people that just aren't selling, well, because the prices of houses through the roof, so you're not selling the one you're in because you know that when you buy another one, it's going to cost you just as much or more. So, it's interesting.   Nick: For sure, that's definitely had an impact. This area specifically because of the influx, there's also been some interesting articles about how much corporate owned, single-family housing there's been. But I mean, you're talking 11, 1,200 square foot houses in St. Pete for 800 and up, [inaudible 00:04:23] how things shift.   Marc: It was on my list, a roundabout way to talk about some different questions that every generation should ask themselves. So housing certainly can apply to any generation. I mean, even folks in our baby boomer conversation today could have been thinking about downsizing or whatever the case is in retirement and that certainly could play into that question. So that's one we tackled without really even setting it up to tackle it. So we'll just jump in and talk about a few more of these things.   But again, with everything being so wild right now, it seems like from a financial standpoint all across the spectrum, whether it's inflation, housing costs, food costs, whatever the case is, how do you manage all that? So risks, whatever risks guys, is going to be top of mind, especially if you're a senior. My mom is 82 going on 83, and she's constantly worried about the various different kinds of risks that may affect her at that age. Market volatility, social security, whatever it might be. So let's just start with the market volatility. Whoever wants to take that one.   Nick: Yeah, so from a market volatility standpoint, it's very interesting from the perspective of how things seem to work these days from a market perspective. I don't have the exact numbers, but I know last year, essentially needed to... The majority of the growth in the market, although we had a great year, the majority happened within a seven to 10 day market window. So your chances of if you're not just holding and studying the market, your chances of really getting the returns that you're looking for are very difficult. So volatility, the swings up are substantial and the swings down can be. I think a lot of that has to go, can be attributed to the algorithm based trading and high frequency trading and things like that have an impact on that.   Marc: And if you're a senior, none of that interests you, right? So I mean, that's [inaudible 00:06:18].   Nick: No. No. Yeah, absolutely not. But for a lot of people in that generation, they're used to the returns being more steady throughout a single year or the perception from that perspective at least versus like, hey, if you miss a month and it was a good month, then your returns could be next to nothing. So it's pretty interesting.   Marc: Yeah, managing that risk, for sure.   Nick: Yeah, it goes back to that classic perspective of the asset allocation continues to be as important as ever.   Marc: Yeah, for sure. John, if you think he just mentioned steady income. So if you're a senior, best approach for transitioning from a steady income like your job, for example, to retirement withdrawals, that's usually a massive hurdle for anybody going into retirement but obviously right now, these are the boomers. I just read actually today that we're taping this guys, I think four million people were going to be retiring this week, four million this week.   John: It's a good number.   Marc: Crazy, right? So, how do you deal with that scared-ness of, okay, I had a paycheck last week and now I don't, I got to use my retirement money and turn that into paychecks. That's a big hurdle for people.   John: It's a huge hurdle for people. This is one of the biggest things we see when we're doing retirement planning for clients that are transitioning. It's, I used to work and get my paycheck every biweekly, whatever it is, and now it's gone. There's a fear of spending their money they've been saving all these years. I'll tell you, the best thing to do in our opinion, is to develop a financial plan and a strategy for retirement income. So you really have to put the pen to the paper and determine, okay, what are my expenses? How much do I need? That's going to be the first step. Then after that, it's looking at, hey, what are my income sources? We talked about social security last week, we'll touch on it a little bit more here, but hey, how much is social security going cover? Okay, what other sources do I have? Really evaluating where's the money going to come from? Once most people see it, it provides peace of mind and a little bit of, okay, this is what I'm doing. You got to have the blueprint. Once the blueprint's there, you feel much better about what your approach is.   Marc: Well, we all want to know we got mailbox money coming. We all want to know that when we go out, and I know most of us don't go to the mailbox anymore to get it right, but it's the same idea that when you go open the mailbox, the check is there. That's what you need to know. That's that comfort factor that you need to know. So that's turning these accounts that you've been building up through your working years into this retirement income. So certainly, that is an importantly huge question for baby boomers to ask themselves.   We're talking about wealth and building wealth and working through the years. Nick, I'll throw this one at you. I'm going to hop around here a little bit, but passing on wealth to the next generation without sacrificing your own retirement, is also another huge question that boomers are asking themselves because they want to know that they are going to be fine, but a lot of times they want to leave something behind. I just was looking this up real fast. Experts are putting that number between 40 and $100 trillion right now that they're estimating in the great wealth transfer conversation, which is what boomers will be leaving to their kids and grandkids over the next 20 years. $100 trillion. Man, that's crazy money.   Nick: Yeah, it's pretty wild. What's interesting is I think the baby boomer generation has done a good job of accumulating assets and saving.   Marc: Oh yeah, great job.   Nick: There's also, I would say, versus maybe their parents' generation, they spend a little bit more. It's interesting, a lot of the people, I wouldn't even call it half-and-half, maybe around 30, 35% or 40%, leaving money for them is incidental, where their focus is primarily on themselves. A lot of times these are people that have done a good... They've helped the kids get through college, kids have good careers, and-   Marc: Right, we've saved it, it's ours, let's party, right?   Nick: Yep, so they want to travel. Obviously travel is the most popular thing that people tend to want to do. So having that conversation changes things. For those that are highly focused on leaving the money, and what's interesting is where I've seen it happen a little bit more is because people like to, in their mind, it makes it easier for them to segregate money. So we've had a few recently where their retirement plan looks good, their thought process with the money that they have saved and accumulated and leaving it to their kids is incidental like, hey, if there's money there, great, if not, we want to take care of ourselves first. But, they've also inherited money maybe from their parents or a brother or sister, and they say, all right, well this is going to be the money. I consider this found money, and so this will be money that I'll try to leave and pass down. So it's been interesting seeing that thought process.   But with the way that current estate tax exemptions are from a tax perspective and avoiding estate taxes, that sort of thing, for most people, that's not an issue. But for those that are, maybe they've got kids that are high-income and they would like to leave them money that has less of an impact from a tax perspective, depending upon their situation, we might look into life insurance options or even converting to Roth options to help them pass on money and not have a major negative impact to their overall plan.   Marc: Yeah, because you want to figure out how to... If you do have it in your mindset to transfer some wealth upon passing, and I think probably the healthy approach that a lot of people take is, we're going to do what we want to do, we're going to be fine, and whatever's left at the end, fine, transfer that over to the kids or grandkids. You want to make sure that you're doing that as efficiently as possible. So some strategizing there is certainly going to go into play.   John, I'll throw this back to you, whether it's leaving money behind or even how you set up your social security, because you talked about it a minute ago and readdressing social security. Maximizing social security could impact what you do have left over at the end to leave behind because that's not something you can pass on. So it's a matter of figuring out how you want to structure these things to maximize your benefits and get everything out of it that you can while you're still here.   John: Yeah, yeah, if you're able to maximize your social security and figure out what's best for you, what that ultimately does is you're dipping into your own investments a little bit less because you have that strong social security income stream. So if there's more investments left over, your beneficiaries, whoever your beneficiaries are, will have a bigger balance coming to them. So definitely, we talked about it before, we always stress on it. You don't want to take social security decision lightly. You want to make sure that you're strategizing for your situation on how to maximize those benefits.   I believe it was last week that we talked about the cost of living adjustment in social security. So if you delayed yours, people have been getting 6% or 7% increases, and if you were taking yours later, you get a bigger balance. Those 6% or 7% over the past few years have really added up. So, very important to make sure that you take what's best for you in social security and not just take it lightly. I hate to say this, but you don't want to listen to your neighbor on what they did because you'll be surprised how many times we're meeting with people, it's like, my neighbor's doing this, and it's just like, huh, okay, well-   Marc: That's your neighbor, right.   John: What does your neighbor do? Well, they're in tech. It's like, okay, well.   Marc: It's a little bit different, yeah. Well, thinking about that social security conversation, so getting a maximization ran, going through the planning process, going through a strategy session with you guys, and having it stress tested and having that maximization ran will help you see that because that's a great point. Are you riding the horse that brought you, which is your retirement, or the government one? I know technically it's our money, the social security, the government, but it's like figuring out the best balance between those two when you're going to start pulling things from whatever account. So, good stuff right there to think about when you're talking about for generations. Go ahead.   John: One thing Mark, with that. With social security maximization, a lot of people don't realize is there are these calculators that you can look at and say, hey, you put in your numbers, you put in a spouse's number, and it will shoot out, hey, this is the strategy, but it doesn't take into account other factors, as far as, do you have a pension? Things like that. How you want to figure out what's the best strategy is when you look at your social security and how it affects all your other assets and income streams, then you can figure out what the best approach is because when you just look at social security in a vacuum, there's other factors in there that really make a big difference on what the best strategy is. A lot of people will just go online, hey, what's the strategy, maximization strategy, but it doesn't give the overall picture.   Marc: A great point, really good point right there. So let's wrap it up with one final piece here to think about, Nick. Of course, we could go forever on this topic, but we'll just... Some couple of concise points to think about when you're talking about addressing healthcare costs in retirement. Obviously for boomers, this is a huge concern, really for anybody, if you're alive and human right now on the planet. Healthcare is obviously growing out of control, but certainly a big concern when you're elderly.   Nick: Yeah, I think, and this is almost a tiered approach. So the first thing or aspect that needs to be addressed is if you plan to retire before you're eligible for Medicare. So having a plan in place and understanding what those costs could look like. So for the majority of people, if they want to retire before age 65 and they need to get healthcare coverage outside of their former employer, then we tell them to typically budget between $800 and $1,000 a month per person. For most people, that's going to be a huge increase in costs. They might be able to float it and they also might be able to reduce that cost substantially if they have money saved that are non-retirement funds. So non-qualified accounts where we can keep their income on paper down and they might be able to qualify for a subsidy. So that's phase one.   Then phase two is, once you are eligible for Medicare at age 65, making sure that we're budgeting somewhere between 4,000 and $5,000 a year and having them talk to a person, and we've got a couple of resources that we're very happy with and we refer people to, because depending upon their overall situation. Again, if they, especially people that are coming from working for a large company that maybe had really good benefits and they're used to paying maybe a couple hundred bucks a month for coverage for themselves, that may actually be an expense that goes up.   Then the phase leading into those two things are, are you eligible for a health savings account at work? Are you putting money in? Then that money that is getting put in maybe something that we could use to help mitigate some of these costs and be efficient from a tax perspective. Then also help you cover maybe potential large, actual purely out-of-pocket medical expenses that start to approach and happen down the road when you get to your 70s, 80s, etc, where these things pop up. People live longer, whether it's some sort of acute care or if it's some sort of need for long-term care, which is expensive, but-   Marc: Yeah, crazy    Nick: Really, the key to that is the overall plan, making sure that we test those numbers out in the plan and that we've got a strategy to approach it.   Marc: Yeah, because if you don't take a strategy into account with that, if you're married and you're a senior and you're like, hey, we're going to just take care of each other because it's just going to be cheaper, it's a wonderful sweet and noble sentiment that has no basis in reality because it's just not smart. It's such a taxing physical thing, a mental thing, to take care of one another without having some sort of help in there. So you've got to plan and strategize for it, whether or not it is daunting to do, yes, but if you don't start having those conversations, it's only going to get worse.   I mean, my wife jokes with me all the time. I mean, I'm 52, and she's like, I can't pick you up now, I can't imagine trying to pick you up when you're 72. She's 70, it's just not going to work. So you've got to have a good strategy for healthcare to address the rising cost because it is going to continue to do so. Again, these are some questions for boomers to really think about and ask themselves.   If you need some help, if you need to sit down and start that planning session, that strategy conversation because you've been putting it off or you've addressed a few things, not all the things, whatever it looks like, reach out to John and Nick and get yourself onto the calendar at pfgprivatewealth.com. That's pfgprivatewealth.com for a consultation and a strategy session of your own. Don't forget to subscribe to the podcast, Retirement Planning Redefined on Apple, Spotify, Google, YouTube platforms, whatever, you can find us on all those major platforms. Just type into the search box, Retirement Planning Redefined, or again, go to pfgprivatewealth.com. That's going to do it for us this week for John and Nick, I'm your host, Mark. We'll catch you next time here on the podcast.    

Im Trubel der Wirtschaftswelt werden viele Themen durcheinandergeworfen. Auch Generationenkonflikte sind heutzutage ein täglicher Begleiter vieler Diskussionen. Aktuell hört man insbesondere, dass durch den demographischen Wandel viele Menschen in Rente gehen und insbesondere in Deutschland findet ein Wandel statt. Die geburtenstärksten Jahrgänge aller Zeiten machen sich auf den Weg Richtung Renteneintritt. Aber welche Werte hat diese Generation bei der Arbeit aber auch in ihrer Freizeit geprägt. Gibt es wirklich so große Unterscheide zu den nahfolgenden Generationen? In dieser Folge Episode Werte-Impulse schaffen wir Klarheit über die Baby-Boomer-Generation

On this Living to 100 Club podcast, we invite Frances Woolley as our guest. Dr. Woolley is an economist at Carleton University in Ottawa, Canada. She is an authority on challenges ahead as the Baby Boomer generation contemplates the risk of needing long-term care. We discuss the demands on health care systems as our population ages. Also discussed are the shortage of long-term care beds, and the inequities in paying for this care. Families now make huge sacrifices in caring for spouse or a parent, with little or no outside help. Eventually this care shifts to a state (in the U.S.) or a provincial system (in Canada) that may be fragmented and inequitable. Can the long-term care system infrastructure keep up with the improvements needed, considering constantly changing decision-makers and uneven political influence? How should the risk of needing long-term care be shared among individuals, families, and governments? Is it possible to raise public funds to face the looming long-term care system crisis as the need for dementia beds mushrooms? Join us as we wrestle with major social policy issues facing the 80+ age group.  Mini Bio Frances Woolley is a Professor of Economics at Carleton University, where she has taught since 1990. Her research centers on families and public policy. Dr. Woolley's most-cited work is on modelling family-decision making. She also studies inequality within the household, feminist economics, and tax-benefit policy towards families. Recently she has spent more time researching the provision and finance of long-term care. This is inspired in part by the challenges her family faced when her father needed care at the start of the COVID pandemic.  Frances's true passion is using economics to explain everyday experience, and in sharing her love of economics with her students. She has served as Secretary Treasurer and also President of the Canadian Economics Association. She is the co-editor of the Canadian Tax Journal and the Review of Economics of the Household. Dr. Woolley has served as Associate Dean of the Faculty of Public Affairs at Carleton University. Frances holds a BA from Simon Fraser University, an MA from Queen's, and a PhD from the London School of Economics. Contact Google search Dr. Frances Woolley

On this Living to 100 Club podcast, we invite Frances Woolley as our guest. Dr. Woolley is an economist at Carleton University in Ottawa, Canada. She is an authority on challenges ahead as the Baby Boomer generation contemplates the risk of needing long-term care. We discuss the demands on health care systems as our population ages. Also discussed are the shortage of long-term care beds, and the inequities in paying for this care. Families now make huge sacrifices in caring for spouse or a parent, with little or no outside help. Eventually this care shifts to a state (in the U.S.) or a provincial system (in Canada) that may be fragmented and inequitable. Can the long-term care system infrastructure keep up with the improvements needed, considering constantly changing decision-makers and uneven political influence? How should the risk of needing long-term care be shared among individuals, families, and governments? Is it possible to raise public funds to face the looming long-term care system crisis as the need for dementia beds mushrooms? Join us as we wrestle with major social policy issues facing the 80+ age group.  Mini Bio Frances Woolley is a Professor of Economics at Carleton University, where she has taught since 1990. Her research centers on families and public policy. Dr. Woolley's most-cited work is on modelling family-decision making. She also studies inequality within the household, feminist economics, and tax-benefit policy towards families. Recently she has spent more time researching the provision and finance of long-term care. This is inspired in part by the challenges her family faced when her father needed care at the start of the COVID pandemic.  Frances's true passion is using economics to explain everyday experience, and in sharing her love of economics with her students. She has served as Secretary Treasurer and also President of the Canadian Economics Association. She is the co-editor of the Canadian Tax Journal and the Review of Economics of the Household. Dr. Woolley has served as Associate Dean of the Faculty of Public Affairs at Carleton University. Frances holds a BA from Simon Fraser University, an MA from Queen's, and a PhD from the London School of Economics.See omnystudio.com/listener for privacy information.

On this Living to 100 Club podcast, we invite Frances Woolley as our guest. Dr. Woolley is an economist at Carleton University in Ottawa, Canada. She is an authority on challenges ahead as the Baby Boomer generation contemplates the risk of needing long-term care. We discuss the demands on health care systems as our population ages. Also discussed are the shortage of long-term care beds, and the inequities in paying for this care. Families now make huge sacrifices in caring for spouse or a parent, with little or no outside help. Eventually this care shifts to a state (in the U.S.) or a provincial system (in Canada) that may be fragmented and inequitable. Can the long-term care system infrastructure keep up with the improvements needed, considering constantly changing decision-makers and uneven political influence? How should the risk of needing long-term care be shared among individuals, families, and governments? Is it possible to raise public funds to face the looming long-term care system crisis as the need for dementia beds mushrooms? Join us as we wrestle with major social policy issues facing the 80+ age group.  Mini Bio Frances Woolley is a Professor of Economics at Carleton University, where she has taught since 1990. Her research centers on families and public policy. Dr. Woolley's most-cited work is on modelling family-decision making. She also studies inequality within the household, feminist economics, and tax-benefit policy towards families. Recently she has spent more time researching the provision and finance of long-term care. This is inspired in part by the challenges her family faced when her father needed care at the start of the COVID pandemic.  Frances's true passion is using economics to explain everyday experience, and in sharing her love of economics with her students. She has served as Secretary Treasurer and also President of the Canadian Economics Association. She is the co-editor of the Canadian Tax Journal and the Review of Economics of the Household. Dr. Woolley has served as Associate Dean of the Faculty of Public Affairs at Carleton University. Frances holds a BA from Simon Fraser University, an MA from Queen's, and a PhD from the London School of Economics. Contact Google search Dr. Frances Woolley

On this Living to 100 Club podcast, we invite Frances Woolley as our guest. Dr. Woolley is an economist at Carleton University in Ottawa, Canada. She is an authority on challenges ahead as the Baby Boomer generation contemplates the risk of needing long-term care. We discuss the demands on health care systems as our population ages. Also discussed are the shortage of long-term care beds, and the inequities in paying for this care. Families now make huge sacrifices in caring for spouse or a parent, with little or no outside help. Eventually this care shifts to a state (in the U.S.) or a provincial system (in Canada) that may be fragmented and inequitable. Can the long-term care system infrastructure keep up with the improvements needed, considering constantly changing decision-makers and uneven political influence? How should the risk of needing long-term care be shared among individuals, families, and governments? Is it possible to raise public funds to face the looming long-term care system crisis as the need for dementia beds mushrooms? Join us as we wrestle with major social policy issues facing the 80+ age group.  Mini Bio Frances Woolley is a Professor of Economics at Carleton University, where she has taught since 1990. Her research centers on families and public policy. Dr. Woolley's most-cited work is on modelling family-decision making. She also studies inequality within the household, feminist economics, and tax-benefit policy towards families. Recently she has spent more time researching the provision and finance of long-term care. This is inspired in part by the challenges her family faced when her father needed care at the start of the COVID pandemic.  Frances's true passion is using economics to explain everyday experience, and in sharing her love of economics with her students. She has served as Secretary Treasurer and also President of the Canadian Economics Association. She is the co-editor of the Canadian Tax Journal and the Review of Economics of the Household. Dr. Woolley has served as Associate Dean of the Faculty of Public Affairs at Carleton University. Frances holds a BA from Simon Fraser University, an MA from Queen's, and a PhD from the London School of Economics.See omnystudio.com/listener for privacy information.

A reminder for new readers. That Was The Week collects the best writing on critical issues in tech, startups, and venture capital. I selected the articles because they are of interest. The selections often include things I entirely disagree with. But they express common opinions, or they provoke me to think. The articles are only snippets. Click on the headline to go to the original. I express my point of view in the editorial and the weekly video below.This Week's Audio:Thanks To This Week's Contributors: @jeffbeckervc, @eshap, @stevesi, @gruber, @daringfireball, @SamuelStolton, @leah_nylen, @mattmday, @chrisheuer, @JoannaStern, @Om, @sarahpereztc, @GeorgeNHammond, @Tabby_Kinder, @NicholasMegaw, @PeterJ_Walker, @SteveAbbott415, @adamlashinskyContents* Editorial: * Essays of the Week* Changing the Customer of Venture Capital (Jeff Becker)* What A Drag It Is (Evan Shapiro)* Building Under Regulation (Steven Sinovsky)* Apple's Plans for the DMA in the European Union (John Gruber)* Amazon Drops iRobot Deal; Roomba Maker Cuts 31% of Staff (By Samuel Stolton, Leah Nylen, and Matt Day)* Envisioning the Future of Human Work in the Age of AI: The 2024 Forecast (Chris Heuer)* Video of the Week* Joanna Stern Wears a Vision Pro for 24 Hours* Product of the Week* The Vision Pro (Daring Fireball)* Apple's Vision Pro -The Meta-Review. (Om Malik)* My 4 magic moments with Vision Pro (Om Malik)* Apple Vision Pro Review: The Best Headset Yet Is Just a Glimpse of the Future (Joanna Stern)* News Of the Week* Spotify calls Apple's DMA compliance plan ‘extortion' and a ‘complete and total farce' (Sarah Perez)* Investors raise billions to buy discounted stakes in start-ups (George Hammond, Tabby Kinder, Nicholas Megaw)* Founders: getting to the next venture stage may take longer than you expect (Peter Walker)* The State of the SaaS Capital Markets: A Look Back at 2023 and Look Forward to 2024 (STEVE ABBOTT Partner, Capital Markets, KEVIN BURKE Partner, Strategy)* PayPal is laying off 2,500 employees (Pranav Dixit)* Startup of the Week* Zum Raises $140M At $1.3B Valuation To Help Kids Get to School Faster With AI (Chris Metinko)* X of the Week* For a moment, I almost felt sorry for Mark Zuckerberg. (Adam Lashinsky)EditorialYou didn't hear it here first but Apple's Vision Pro is a hit.Some wonderful essays in this week's newsletter. I lead with Jeff Becker's look at venture capital, focusing on who the customer is. The question “Who is the customer?” is crucial for any product. The answer is easy when the product is an asset class - the customer is the person investing money. Yet most of the venture world pretends that the customer is the entrepreneur. In reality, the entrepreneur is a supplier. She or He supplies opportunity, commitment, and execution; the goal is to grow value by investing customer cash into that supply.Now it is easy to understand why venture investors sometimes describe the recipient of funding as the customer. It is important that the company feels served by the VC. But serving an investee company is clearly a mission carried out for the VC fund investors, the real customer.Jeff is addressing a real problem - how to best invest in the supply. I will leave you to read his essay and ponder it, but he proposes a radical re-think of how to do early-stage investing, and for the most part, it argues for a more liberal spread of cash, in larger numbers, to far more founders. It's interesting, to say the least.Evan Shapiro focuses on the rapid aging of the US population. He makes a strong case:Since 2019, America's population has grown by 7.8 million. Yet, the US now has 2.7 million fewer kids under 15 than it did in 2019. Meanwhile, there are now 7.1 million more Americans 65-80 than five years ago. America now has half a million fewer people under 40 than it did in 2019 and almost 8.4 million more people over 40.At a time when politicians from both sides are falling over themselves to point a finger at immigration as a major problem, it is refreshing to see analysis demonstrating that the US needs more immigrants. And in a context where there is virtual full employment this needs to be across all skill levels and needs to trend young. The essay is great.Part of the anti-immigrant narrative has focused on DACA - Consideration of Deferred Action for Childhood Arrivals (DACA). Ron Conway is part of a group of over 50 businesses signing an amicus brief to support DACA. Bravo to him.Hostility to immigrants is never OK. It is even less OK when the economy is desperate for skilled and unskilled willing hands.Politically inspired propaganda dominated elsewhere this week. Amazon was prevented from closing the acquisition of iRobot due to EU objections based on competitive concerns. Well done, EU. Amazon dropped the deal, and iRobot may well be in trouble as a result. Thirty percent of staff were laid off. And more EU interference when Apple was ordered to allow alternative app stores on the iPhone. Steven Sinofsky's wonderful essay, “Building Under Regulation,” leverages his vast experience at Microsoft. It seems every day it becomes more obvious that the EU is against innovation, especially when it produces successful big companies.The Congress got in on the act too (see X of the Week), calling social media leaders to DC to be accused, show-trial-like, of being responsible for teen suicides. Sadly, the Meta CEO apologized as if admitting culpability.Teen suicide and causality is a non-trivial issue, but it is fair to say that Social Media does not cause it. Teens (I have one and another two recently in their post-teen phase). All have had growing up challenges. As I recall, I did also. The world can be harsh in the face of those challenges. But to see social media as the only factor, or even a major one, seems superficial and plain wrong. I wish one of the executives had the nerve to push back against the accusations. Adam Lashinsky's piece is interesting.Finally, Chris Heuer has a research piece on AI and the Future of Work. Well done, Chris, this is such an important issue. My PoV is that work, defined as paid labor, will inevitably decline and the average working day will decline. I believe this is a fundamental good for humanity. I also believe it poses enormous global questions about how the abundance made possible will be distributed to improve life for everybody. I do. not think this is the end of human effort. Just the beginning of the end of the need to do paid labor in order to live.Essays of the WeekChanging the Customer of Venture CapitalThe gift of technologyJEFF BECKERJAN 29, 2024TLDR: We need to change the customer of early-stage venture capital so that we can fund the future of technology and build global prosperity for decades to come.Recently, I hosted a group of students from Wharton at Antler's offices and we talked about the future of early-stage VC.I alluded to this a couple weeks ago when I said:…for $5B per year, you could seed the vast majority of meaningful tech companies for 8 years with the amount of money Elon Musk spent on Twitter. (Link here)The reality is, $5B per year just isn't that much money in the grand scheme of private equities—roughly .5-1% depending how you slice it.As a former salesperson, that fact often leaves me wondering, “what if you changed the customer of venture capital?”Could you attract more money, create more impact, and actually produce more returns?Classically, putting your name on building was a way to not only have a fairly durable legacy, but let's be honest, that gift is outdated.And it hardly does any good in the world.Instead, legacies and the world's most important problems alike would be better served by a consolidation of brilliant minds and capital, combined with the speed and leverage of startups.I think there are two interesting solutions, and both should be built.The first is something I'd call the 501-VC, and the second would be to fund all of venture capital for a decade or more through a new kind of Giving Pledge.I'm going to talk about the second one today.Famously,The Giving Pledge is a promise by the world's wealthiest individuals and families to dedicate the majority of their wealth to charitable causes.The problem is, charitable foundations and organizations aren't historically the most efficient way to solve the world's problems. They exist for good reason, but most operate like old corporates rather than savvy startups.However, what if we thought of economic opportunity and global prosperity as a more ubiquitous problem to solve, and instead of funding mission-driven work, we fund the entirety of the tech sector?What if instead of the average high net worth individual trying to get a 3-5X return over 10 years, you focused on the ultra high net worth population, the economic development groups, and the sovereign funds who are both trying to achieve these returns and trying to improve the world?What if you focused on their shared goals and values as customers, like creating economic opportunity and building a durable legacy?What if you could do it in every corner of the planet through access to entrepreneurship?What if instead of one PayPal Mafia, you had thousands?What if you had an investor who could actually deploy $5B per year at the formation stage?That has simply never existed before, and yet it is a defining opportunity for the human race and our evolution as a society.Currently, high potential employees are stuck in their corporate jobs.Our brightest minds handcuffed to benefits and addicted to a salary, never realizing their true potential or having a real impact on the world.Many go get their MBA where they spend money to learn new skills and acquire a network, rather than receive money for becoming a more productive citizen of the world.Many job hop looking for a low-risk way to get on a rocket ship.Some try to build their own, but quickly run out of runway and mental fortitude.It's a broken system, and we need to rebuild it.First it requires a product.The product needs to be for two groups—the founders and the investors.It starts with the infrastructure required to reduce the risk of being a founder which in turn attracts more of the brightest minds to the job itself. At the same time, the product also has to be an investment vehicle that attracts a new type of customer to early-stage VC.… Lots MoreWhat A Drag It IsAmerica Feels OldEVAN SHAPIROJAN 29, 2024Since 2019, America's population has grown by 7.8 million. Yet, the US now has 2.7 million fewer kids under 15 than it did in 2019. Meanwhile, there are now 7.1 million more Americans 65-80 than five years ago. America now has half a million fewer people under 40 than it did in 2019 and almost 8.4 million more people over 40.Because of the sheer size of the Baby Boomer Generation and the fact that younger Americans have pulled out on having kids, in the last five years, America has gotten old - not just compared to itself, but also compared to the rest of the world.In 2019, 63% of the world's population was under 40. Now, 64% of the people of the planet are 39 or younger. In short:Over the last half-decade the world has gotten one percent younger and America has gotten one percent older.One percent may seem small. However, the consequences of this demographic shift are consequential. For countries like the US, the UK, France, Italy, Germany, and Japan, with aging populations where the number of people over 60 is growing faster than the number of people under 15, the coming years will be filled with challenges brought on by their age: Workforce shortages, inverted dependency ratios where a diminishing tax-base struggles to fund a widening social safety net, health care infrastructures ill-equipped to deal with increased demand. As the world's wealthiest and most powerful nations continue to age faster than they reproduce, expect these issues to get increased and more urgent attention.After decades of aging down, the US population is now aging up quickly. In 2000, 58% of the US population was under 40 years old. Now just a slim majority of 51% is under 40. The impacts of this rapid maturation can be felt throughout our culture, but perhaps nowhere as dramatically as in America's Media and Tech industries.Over the last half century (but for some intermittent challenges from Japan and China), the US has led the world in entertainment and technology, setting the standard for the world's consumption of Media. While many TVs and phones are manufactured in other countries, most of the systems, software, and vision for these products has come from America - and the entertainment consumed on these devices has been, for many decades, the United States' most notable export.Now, America's Media Industrial Complex finds itself amidst a widely-reported bloodbath of its own making. Recently, this meltdown has been joined by America's leading Tech firms. Some of this is cyclical, driven by innovation cycles, advertising recessions, and even the aftermath of the worldwide pandemic. But muchof the current Media Apocalypse was as predictable as the upside-down aging ratio of our population.The first decade of the 21st Century was marked by an almost inconceivable level of innovation in American Media and Tech. The internet invaded all aspects of our lives. Broadband grew across the country like a high-speed weed, bringing the universe to our desktops, making all our worlds, at once, much bigger and infinitely smaller. By 2012, tiny supercomputers known as smartphones had reached a critical mass in the US and TV was streaming into our homes.Then, right around that time, America's Media C-Suite inhabitants seemingly started a shared mid-life crisis, through which we are all still living.Bob Iger took over Disney in 2005, when he was 53 years old. Through some of the most masterful deal-making in Media history, and (seemingly) a true vision of the future, Iger took a troubled company and turned it into the greatest proprietor of intellectual property the world has ever known. He bought Pixar in 2006, revitalizing Disney Animation. He bought Marvel in 2009, jump stating the most successful film and TV franchise in history. He bought Lucasfilm in 2012, completing what many see as bar-setting hat-trick of entertainment, bringing the most valuable collection of titles in entertainment all under one roof.… Lots MoreBuilding Under RegulationAn essay on the EU Digital Markets Act and Apple's "Update on apps distributed in the European Union" (and some personal history)STEVEN SINOFSKYJAN 27, 2024Readers note: This is a long post. There are enough hot takes on this super important issue. I welcome corrections as always.This week Apple detailed the software changes that will appear in an upcoming release of iOS to comply with the European Union Digital Markets Act (DMA).  As I read the over 60 pages of the DMA when it was passed (and in drafts before that, little of which changed in the process) my heart sank over the complexity of a regulation so poorly constructed yet so clearly aimed at specific (American) companies and products. As I read through many of the hundreds of pages of Apple documents detailing their compliance implementation my heart sank again. This time was because I so thoroughly could feel the pain and struggle product teams felt in clinging to at best or unwinding at worst the most substantial improvement in computing ever introduced—the promise behind the iPhone since its introduction. The reason the iPhone became so successful was not a fluke. Consumers and customers voted that the value proposition of the product was something they preferred, and they acted by purchasing iPhone and developers responded by building applications for iOS. The regulators have a different view of that promise, so here we are.To be clear, DMA covers a wide range of products and services all deemed to be critical infrastructure in the digital world. It is both an incredibly broad and sometimes oddly specific regulation. As written the regulation covers at least online intermediation services [commercial internet sites/markets], online search engines, web browsers, advertising services, social network services, video sharing platforms, number-independent interpersonal communications services [messaging], operating systems, virtual assistants, and cloud computing.If you're well-versed in online you can map each one of those to precisely who the target might be, or sometimes targets. It is all big tech, almost exclusively US-based companies. There are no EU companies that meet the criteria to be covered—hardcoded revenue of EUR 7.5 billion for three years, EUR 7.5 billion market cap, or 45 million MAU—with Alphabet, Amazon, Apple, ByteDance, Meta, Microsoft, and Samsung acknowledging the criteria apply to various units in addition to the following other “very large online platforms”: Alibaba AliExpress, Booking.com, Pinterest, Snapchat, Twitter, Wikipedia, Zalando [German fashion retailer]. Those thresholds seem strangely not round.I am going to focus on the Apple and primarily their App Store response because I think it is the most important and time critical and because iPhone is the most unique, innovative, and singular product in market. I can easily replace search, a browser, an ad network, a social network, a video site. Even cloud computing is not so sticky, and we all use multiple messaging services. What iPhone delivers is irreplaceable. At least for many of the subset of smartphone users that chose Apple.The thing is, as impressive as Apple has been it is not *that* successful by the measures that count for dominance. Worldwide Apple is clearly the number two smartphone to Google Android which has over 70% share. In the Europe (excluding Russia) Apple iPhone has about a 33% share (I won't debate exact numbers, units sold v in use, revenue v. profit v. units, etc. as all those do is attempt to tell a story that isn't obvious, which is Android is more popular). That's hardly a monopoly share by any standard. In some European countries Apple has a higher share, some data providers would say as high as 50% or nearly 60%, which by most legal standards is still not quite at a monopoly level especially in a dynamic market. Apple has not been fined, sued, or otherwise convicted of having a dominant share let alone abusing the market position it has. No consumer harm has been demonstrated. In Epic v. Applespecifically on the store, Apple prevailed in 9 of 10 claims of damages to Epic due to the store's costs. Of note, the same claims in Epic v. Google resulted in liability from Google and is being appealed. Many of most vocal competitors didn't even exist before the iPhone. They have become huge companies and don't appear to be struggling, and in fact benefit from being part of the iPhone ecosystem. Counter to the text of the DMA, innovation seems to be thriving as measured by the number of new companies and distinct new services.Yet, the EU DMA has declared that Apple is a “gatekeeper”—an ominous term applied to Apple among the others.… Lots MoreApple's Plans for the DMA in the European UnionFriday, 26 January 2024Apple yesterday announced a broad, wide-ranging, and complex set of new policies establishing their intended compliance with the European Union's Digital Markets Act, which comes into effect March 7. There is a lot to remark upon and numerous remaining questions, but my favorite take was from Sebastiaan de With on Twitter/X, the day before any of this was announced.After quipping “Oh god please no” to a screenshot of the phrase “Spotify also wants to roll out alternate app stores”, de With had this conversation:de With:The EU is once again solving absolutely no problems and making everything worse in tech. I gotta say, they are if anything highly consistent.“Anton”:Overly powerful, rent-seeking gatekeepers seem like a problem.de With:I love that I can't tell if you are talking about the EU or Apple in this case.My second-favorite take, from that same thread, was this from Max Rovensky:DMA is not pro-consumer.It's anti-big-business.Those tend to coincide sometimes, which makes it an easy sell for the general public, but do actually read the DMA, it's quite interesting.I'd go slightly further and describe the DMA as anti-U.S.-big-business, because as far as I can tell, nothing in the DMA adversely affects or even annoys any European tech companies. There are aspects of it that seem written specifically for Spotify, in fact.But Rovensky's framing captures the dichotomy. Anti-big-business regulation and pro-consumer results often do go hand-in-hand, but the DMA exposes the fissures. I do not think the DMA is going to change much, if anything at all, for the better for iOS users in the E.U. (Or for non-iOS users in the EU, for that matter.) And much like the GDPR's website cookie regulations, I think if it has any practical effect, it'll be to make things worse for users. Whether these options are better for developers seems less clear.I've often said that Apple's priorities are consistent: Apple's own needs first, users second, developers third. The European Commission's priorities put developers first, users second, and “gatekeepers” a distant third. The DMA prescribes not a win-win-win framework, but a win-win-lose one.Apple is proud, stubborn, arrogant, controlling, and convinced it has the best interests of its customers in mind.The European Commission is proud, stubborn, arrogant, controlling, and convinced it has the best interests of its citizens in mind.Ever since this collision over the DMA seemed inevitable, starting about two years ago, I've been trying to imagine how it would turn out. And each time, I start by asking: Which side is smarter? My money has been on Apple. Yesterday's announcements, I think, show why.APPLE'S PROPOSED CHANGESIt's really hard to summarize everything Apple announced yesterday, but I'll try. Start with the main Apple Newsroom press release, “Apple Announces Changes to iOS, Safari, and the App Store in the European Union”:“The changes we're announcing today comply with the Digital Markets Act's requirements in the European Union, while helping to protect EU users from the unavoidable increased privacy and security threats this regulation brings. Our priority remains creating the best, most secure possible experience for our users in the EU and around the world,” said Phil Schiller, Apple Fellow. “Developers can now learn about the new tools and terms available for alternative app distribution and alternative payment processing, new capabilities for alternative browser engines and contactless payments, and more. Importantly, developers can choose to remain on the same business terms in place today if they prefer.”Schiller is the only Apple executive quoted in the press release, and to my ear, his writing hand is all over the entire announcement. Apple was quite clear before the DMA was put into law that they considered mandatory sideloading on iOS a bad idea for users, and their announcement yesterday doesn't back down an inch from still declaring it a bad idea.Apple has also argued, consistently, that they seek to monetize third-party development for the iOS platform, and that being forced to change from their current system — (a) all apps must come from the App Store; (b) developers never pay anything for the distribution of free apps; (c) paid apps and in-app-purchases for digital content consumed in-app must go through Apple's In-App Payments system that automates Apple's 30/15 percent commissions — would greatly complicate how they monetize the platform. And now Apple has revealed a greatly complicated set of rules and policies for iPhone apps in the EU.MG Siegler has a great — and fun — post dissecting Apple's press release line-by-line. Siegler concludes:I'm honestly not sure I can recall a press release dripping with such disdain. Apple may even have a point in many of the points above, but the framing of it would just seem to ensure that Apple is going to continue to be at war with the EU over all of this and now undoubtedly more. Typically, if you're going to make some changes and consider the matter closed, you don't do so while emphatically shoving your middle fingers in the air.Some of these changes do seem good and useful, but most simply seem like convoluted changes to ensure the status quo actually doesn't change much, if at all. Just remember that, “importantly, developers can choose to remain on the same business terms in place today if they prefer.” What do you think Apple prefers?The puzzle Apple attempted to solve was creating a framework of new policies — and over 600 new developer APIs to enable those policies — to comply with the DMA, while keeping the path of least resistance and risk for developers the status quo: Apple's own App Store as it is.….Lots MoreAmazon Drops iRobot Deal; Roomba Maker Cuts 31% of Staff* IRobot CEO steps down and company cuts workforce by 31%* Tech giant to pay $94 million to iRobot over deal terminationBy Samuel Stolton, Leah Nylen, and Matt DayJanuary 29, 2024 at 5:33 AM PSTAmazon.com Inc. has abandoned its planned $1.4 billion acquisition of Roomba maker iRobot Corp. after clashing with European Union regulators who had threatened to block the deal.The fallout came quickly. IRobot, which has been struggling recently, said Chief Executive Officer Colin Angle has stepped downas the company embarks on a restructuring plan that will result in about 350 job cuts, or 31% of the workforce. The vacuum maker's shares tumbled 19% in New York to $13.80, their lowest level since 2009. Amazon's shares were up less than 1% at $160.07.The decision is a sign of the intense pressure Amazon is facing to prove its actions don't harm competition as its influence grows in retail, cloud-computing and entertainment. Antitrust regulators on both sides of the Atlantic have been keen to ensure that the biggest US tech companies don't snap up innovative startups before they have a chance to become formidable competitors on their own.Amazon met with the FTC's senior antitrust staff last week, who informed the company they were recommending a suit over the deal, according to a person familiar with the meeting. Executives and lawyers from the tech giant were scheduled to meet with the FTC's three commissioners this week to make a final push for the acquisition, said the person, who asked not to be named discussing the confidential probe.… Lots MoreEnvisioning the Future of Human Work in the Age of AI: The 2024 ForecastResearch Fellowship ProgramIntroductionAs technological change and the adoption of new technologies like artificial intelligence (AI) accelerate, the future of human work will be characterized by disruption, uncertainty, and opportunity. As 2024 approached, the Team Flow Institute Research Fellows gathered for a roundtable to discuss their visions for the future of human-focused work in the age of AI. As described by the institute's co-founder and Managing Director, Chris Heuer, “The Team Flow Institute is an organization dedicated to shaping a human-centric future of work as we face the choice of augmentation or automation in every industry and every function. This transformational decision will reshape what we call work and society itself, requiring us to abandon business as usual and finally design business as possible.” The Team Flow Institute Research Fellows' roundtable discussion delved into the potential opportunities and challenges of this technology revolution driven by the institute's “mission to gather like-minded individuals and organizations to steer our collective destiny toward a more sustainable future, where the essence of humanity and human work is valued and preserved as we increasingly adopt AI tools and technologies, explained Jennifer McClure, Senior Research Fellow, and Advisory Board member. This article analyzes key insights from the discussion, offering a glimpse into the work landscape of 2024 and beyond. As the Team Flow Institute embarks on its inaugural fellowship program, this analysis holds particular significance as it seeks to equip individuals with the knowledge and skills necessary to thrive in the evolving landscape of AI-enabled work. Through this program, the Team Flow Institute aims to foster a community of leaders who can guide organizations and individuals toward a future where humans and technology collaborate to create a more sustainable and fulfilling work environment.Part I: AI Progress and PromiseNo longer relegated to science fiction, AI has infiltrated our lives, transforming industries with its vast potential. From automating tedious tasks to streamlining complex decision-making processes, its applications are far-reaching. In the realm of design, AI-powered software is revolutionizing industries like architecture and fashion, enabling rapid prototyping and personalized creations. Team Flow Institute co-founder Jaime Schwarz says, “Imagine being able to prototype a new building or clothing line in minutes instead of weeks. This remarkable advancement accelerates design cycles and fosters increased customization, ultimately leading to more innovative and personalized consumer products.”The creative landscape is also poised for disruption with the emergence of generative AI. Team Flow Institute Research Fellow Shel Holtz describes its transformative potential: “Generative AI is blurring the lines between human and machine creativity. We're seeing machines create realistic text, images, and even music that is nearly indistinguishable from human-generated work.” This democratization of creativity opens doors for individuals with diverse backgrounds and abilities to express themselves in new and exciting ways. But it also opens up philosophical questions and debates about the nature of art and creativity, adds Jen McClure. Amidst these exciting advancements, Chris Heuer reminds us that “AI is not just a science fiction concept anymore; it's here, and it's changing the way we do everything.” This necessitates a thoughtful approach to the future of work, a need to ensure the value of human skills and their role in work, proactive workforce development initiatives to ensure that individuals are equipped with the necessary skills to thrive in the evolving job market, and an elevation of the need for constant communications within organizations, reminds Team Flow Institute Research Fellow Sharon McIntosh.As AI continues to permeate our lives, it is crucial to acknowledge its remarkable potential and challenges. By navigating this dynamic landscape with careful consideration and proactive planning, we can ensure that AI serves as a force for progress, innovation, and a brighter future for all. As Team Flow Institute Research Fellow Gina Debogovich reminds us, it will undoubtedly unlock economic growth. “The 20th century began with a global GDP of $3 trillion and, largely due to technological advancement, ended with a GDP of $33.8 trillion. AI is poised to boost the economy to unseen heights.”AI will be a catalyst for creating new jobs, just as the web did in the mid-1990s. Businesses must integrate these jobs and activities into existing workflows and business models and develop new ones. Indeed, innovative organizations are already experimenting with, if not embracing, the role of prompt engineers. The Team Flow Institute advocates for a Team Flow Facilitator to serve as a coach, a collaboration facilitator, and an AI pilot to support high-performing teams.Part II: The Risks and DownsidesWhile AI offers many benefits, possibilities, and opportunities, its advancements are not without potential pitfalls. AI and automation technologies bring both promise and peril to the workforce. While they offer the potential to augment human capabilities and business efficiencies significantly, understandable concerns persist surrounding job losses and the general impact on workers. Organizations must chart a thoughtful course that fully harnesses technical capabilities without losing sight of the humans at the heart of work.… Lots MoreVideo of the WeekProduct of the WeekThe Vision ProTuesday, 30 January 2024For the last six days, I've been simultaneously testing three entirely new products from Apple. The first is a VR/AR headset with eye-tracking controls. The second is a revolutionary spatial computing productivity platform. The third is a breakthrough personal entertainment device.A headset, a spatial productivity platform, and a personal entertainment device.I'm sure you're already getting it. These are not three separate devices. They're one: Apple Vision Pro. But if you'll pardon the shameless homage to Steve Jobs's famous iPhone introduction, I think these three perspectives are the best way to consider it.THE HARDWAREVision Pro comes in a surprisingly big box. I was expecting a package roughly the dimensions of a HomePod box; instead, a Vision Pro retail box is quite a bit larger than two HomePod boxes stacked atop each other. (I own more HomePods than most people.)There's a lot inside. The top half of the package contains the Vision Pro headset itself, with the light seal, a light seal cushion, and the default Solo Knit Band already attached. The lower half contains the battery, the charger (30W), the cables, the Dual Loop Band, the Getting Started book (which is beautifully printed in full color, on excellent paper — it feels like a keepsake), the polishing cloth1, and an extra light seal cushion.To turn Vision Pro on, you connect the external battery pack's power cable to the Vision Pro's power connector, and rotate it a quarter turn to lock it into place. There are small dots on the headset's dime-sized power socket showing how to align the cable connector's small LED. The LED pulses when Vision Pro turns on. (I miss Apple's glowing power indicator LEDs — this is a really delightful touch.) When Vision Pro has finished booting and is ready to use, it makes a pleasant welcoming sound.Then you put Vision Pro on. If you're using the Solo Knit Band, you tighten and loosen it using a dial on the band behind your right ear. VisionOS directs you to raise or lower the headset appropriately to position it at just the right height on your face relative to your eyes. If Vision Pro thinks your eyes are too close to the displays, it will suggest you switch to the “+” size light seal cushion. You get two light seal cushions, but they're not the same: mine are labeled “W” and “W+”. The “+” is the same width, to match your light seal, but adds a wee bit more space between your eyes and the displays inside Vision Pro. For me the default (non-“+”) one fits fine.The software then guides you through a series of screens to calibrate the eye tracking. It's all very obvious, and kind of fun. It's almost like a simple game: you stare at a series of dots in a circle, and pinch your index finger and thumb as you stare at each one. You go through this three times, in three different artificial lighting conditions: dark, medium, and bright. Near the end of the first-run experience, you're prompted to bring your iPhone or iPad nearby, just like when setting up a new iPhone or iPad. This allows your Vision Pro to get your Apple ID credentials and Wi-Fi password without entering any of that manually. It's a very smooth onboarding process. And then that's it, you're in and using Vision Pro.There's no getting around some fundamental problems with the Vision Pro hardware.First is the fact that it uses an external battery pack connected via a power cable. The battery itself is about the width and height of an iPhone 15/15 Pro, but thicker. And the battery is heavy: about 325g, compared to 187g for an iPhone 15 Pro, and 221g for a 15 Pro Max. It's closer in thickness and weight to two iPhone 15's than it is to one. And the tethered power cable can be an annoyance. Vision Pro has no built-in reserve battery — disconnect the power cable from the headset and it immediately shuts off. It clicks firmly into place, so there's no risk of accidentally disconnecting it. But if you buy an extra Vision Pro Battery for $200, you can't hot-swap them — you need to shut down first.… Lots MoreApple's Vision Pro -The Meta-Review.Apple Vision Pro reviews have started to roll in — and depending on who you read, the consensus vacillates between amazing and work in progress. In most cases, they reflect some version of reality. If one is looking for faults with Apple's face computer, then one will find them. And if you are looking at what it represents, you are going to be excited. I am in the ‘camp' of the amazed, though I am not blinded by the challenges that await Vision Pro in the real world.The Verge's Nilay Patel sums up the challenge of Vision Pro, writing:The technology to build a true optical AR display that works well enough to replace an everyday computer just isn't there yet. The Magic Leap 2 is an optical AR headset that's cheaper and smaller than the Vision Pro, but it's plagued by compromises in field of view and image quality that most people would never accept. So Apple's settled for building a headset with real-time video passthrough — it is the defining tradeoff of the Vision Pro. It is a VR headset masquerading as an AR headset. And let me tell you: the video passthrough on the Vision Pro is really good. It works! It's convincing. You put the headset on, the display comes on, and you're right back where you were, only with a bunch of visionOS windows floating around.Let's get on with the cons: The Verge points out problems like ‘motion blur,' ‘blurriness,' ‘color fringing,' ‘limited field of view,' and ‘vignetting.' I have not personally experienced any of these because, well, I don't have the device.The device is sometimes laggy. It's heavy, and the wired battery is limited to just over 2 hours. You can plug it into a ‘wall charger' with a USB-C cable, or daisy-chain it to another USB-C battery pack. And it does get a tad warm. You need to use the ‘dorky' headband to use the device without feeling the weight (or in some cases, a headache).None of this surprises me! Vision Pro is, after all, a full-blown computer. It's made from magnesium, carbon fiber, and aluminum. It has two high-resolution front-facing cameras (video pass-through), two cameras that face down to track your hands and gestures, a LiDAR, TrueDepth cameras, and some kind of infrared lights. The device has two tiny MicroOLED displays packed with a total of 23 million pixels. (As I noted in an earlier piece, these displays are the magic and the primary reason why Vision Pro is so expensive.)All these sensors, cameras, and displays are powered by an M2 chip and an R1 spatial coprocessor, and fans. Apple has packed this in an enclosure that is about three times the weight of the iPhone 15 Pro Max and is still lighter than the iPad 12.9. Paint me impressed purely from a technological standpoint.…. Lots MoreMy 4 magic moments with Vision ProNo, not again! Not another Vision Pro Review! I feel you — after all the reviews yesterday, I am pretty sure you don't want to read another review. Here's the good news — it's not a review. Instead, I will share my quick impressions from a deep dive at Apple Park, and my four magic moments with the Vision Pro.Unlike the reviewers who published their reviews, my access to the device has come in dribs and drabs. It has been a carefully managed experience — an early demo, exposure to the photos app, and the spatial video capabilities. A few days ago, I got to use the device for less than two hours.This was a highly curated experience — so this doesn't and won't qualify as a review. I am skipping all the stuff that has been covered by the deep dive that professional reviewers have already published. WSJ's Joanna Stern's review is amazing — especially the video version. It is best to consider these as my considered impressions.First, can I wax eloquent about the technological achievement of Vision Pro? As a chip and hardware nerd, I think Vision Pro is a witches' brew of the latest of all types of technologies. Let me quote my post from yesterday:Vision Pro is, after all, a full-blown computer. It's made from magnesium, carbon fiber, and aluminum. It has two high-resolution front-facing cameras (video pass-through), two cameras that face down to track your hands and gestures, a LiDAR, TrueDepth cameras, and some kind of infrared lights. The device has two tiny MicroOLED displays packed with a total of 23 million pixels. (As I noted in an earlier piece, these displays are the magic and the primary reason why Vision Pro is so expensive.)All these sensors, cameras, and displays are powered by an M2 chip and an R1 spatial coprocessor, and fans. Apple has packed this in an enclosure that is about three times the weight of the iPhone 15 Pro Max and is still lighter than the iPad 12.9. Paint me impressed purely from a technological standpoint.What's even more impressive is the sound — Apple is using beamforming to direct the sound into your ears. And unless you are really blasting it out loud — you could get away with wearing it in a public place — though people in Business Class will notice the slight din from the seat next to them. Apple is hoping you will splurge on AirPods Pro.No matter how you see the device — love it or hate it, you can't deny that it is yet another amazing computer built by a company that knows how to build great consumer computers.… Lots MoreApple Vision Pro Review: The Best Headset Yet Is Just a Glimpse of the FutureWorking, cooking, skiing, kicking back—our columnist wore Apple's new mixed-reality headset for a week to see what it's forBy Joanna Stern at the WSJJan. 30, 2024 at 9:00 am ETA few things surprised me after wearing the Vision Pro mixed-reality headset for nearly 24 hours straight:* I didn't puke. * I got a lot of work done.  * I cooked a delicious meal.Also, my Persona—the headset's animated video-call avatar—will haunt your dreams.For the last week, I have been testing Apple's boldest bet yet on the post-smartphone future. Strap on the 1.4-pound goggles and you see apps floating right in your living room. Living room a stress-inducing mess? Go full virtual reality and watch a 3-D movie on a giant screen perched on the mouth of a Hawaiian volcano.Let's get this out of the way: You're probably not going to buy the $3,500 Apple Vision Pro. Unless you're an app developer or an Apple die-hard, you're more likely to spend that kind of money on an actual trip to a Hawaiian volcano.And that's OK. Reviewing the Vision Pro, I wanted to understand the potential of the device, and the technical constraints that keep it from being a must-have, at least for now. Most importantly, I wanted to answer one question: In a world full of screens, what's the benefit of strapping one to your eyes?… Lots MoreNews Of the WeekSpotify calls Apple's DMA compliance plan ‘extortion' and a ‘complete and total farce'Sarah Perez @sarahpereztc / 2:41 PM PST•January 26, 2024Image Credits: Jakub Porzycki/NurPhoto (opens in a new window)/ Getty ImagesCount Spotify among those not thrilled with how Apple has chosen to comply with the EU's Digital Markets Act (DMA), which sets the stage for sideloading apps, alternative app stores, browser choice, and more. On Friday, the streaming music company issued its response to Apple's new DMA rules, calling the new fees imposed on developers “extortion” and Apple's compliance plan “a complete and total farce,” that demonstrated the tech giant believes that the rules don't apply to them.Apple earlier this week announced a host of changes that comply with the letter of the EU law, if not the spirit. The company said that app developers in the EU will receive reduced commissions, but it also introduced a new “core technology fee” that requires developers to pay €0.50 for each first annual install per year over a 1 million threshold, regardless of their distribution channel. It will also charge a 3% payment processing fee when developers use Apple's in-app payments instead of their own.Epic Games' CEO Tim Sweeney, whose company sued Apple over antitrust concerns, already condemned Apple's plan, saying it was a case of “malicious compliance” and full of “junk fees,” and now Spotify is essentially saying the same.…. Lots MoreInvestors raise billions to buy discounted stakes in start-upsBuyers return after secondary market for private shares was hit by higher interest ratesGeorge Hammond and Tabby Kinder in San Francisco and Nicholas Megaw in New YorkJANUARY 16 2024Investment firms are raising billions of dollars to buy stakes in venture capital-backed technology start-ups, as a long drought in acquisitions and initial public offerings forces early investors to offload their stock at discounts. The start-up secondary market, where investors and employees buy and sell tens of billions of dollars' worth of shares in privately held companies, is becoming an increasingly important trading venue, in the absence of traditional ways of cashing out and given a slowdown in start-up funding. Venture secondaries buyers are primed for a busy year as start-up employees look for a way to sell their stock and investors look to return capital to their own backers or reallocate it elsewhere. Secondary market specialist Lexington Partners last week announced a new $23bn fund to buy up stakes from “large-scale investors”. Lexington had originally aimed to raise $15bn, but upped its target on the back of high demand, and said it was “in the early stages of a generational secondary buying opportunity” that could last years.The fund will predominantly buy shares from private equity funds but also expects to invest as much as $5bn into venture capital secondaries, said a spokesperson.“We are seeing crazy amounts of [limited partner investors] that are distressed and need to lighten their venture load,” said the head of a $2bn venture capital firm. The latest Lexington fund “speaks to the sheer demand” from LPs that feel “over-allocated” to private capital including to start-ups, they said. Other specialist firms such as Pinegrove Capital Partners, a joint vehicle created by Brookfield Asset Management and Sequoia Heritage, and StepStone have also been raising multibillion-dollar funds to target venture secondaries.…. Lots MoreFounders: getting to the next venture stage may take longer than you expectPeter WalkerHead of Insights @ Carta | Data StorytellerThe median number of days between a priced seed and Series A round hit 679 in 2023, a new peak.Median for Series A to B was 744 days (over 2 years). Very similar for Series B to C (739 days, also over 2 years).Fascinating to watch the 25th percentile (green) and the 75th percentile (blue) trends as well. It looks as though the 25th pct has pulled closer to the median for the middle venture rounds - suggesting there are very few companies speed-running through venture fundraising right now. Some of that could be company choice, as founders have cut spend and become more capital-efficient over the prior 12 months. However, I'm certain a lot of the increase in time is due to VCs being far more choosy about where to invest.So what are founders doing if primary rounds are not on the menu? Getting creative.Founders are raising bridge rounds at record rates, usually from insiders already on the cap table. They are turning to SAFEs and Convertible Notes, even between named venture stages. Some are turning to non-dilutive financing and loans.And many are trying to make customer revenue their primary fundraising channel. But switching from growth at all costs to profitability in a short period of time is no easy track change. My bet is that the time between rounds plateaus in 2024 (or maybe even declines just a touch). Maybe that's wishful thinking

Widerstand durch Apathie: Als Nirvana Anfang der Neunziger auf die große Bildfläche treten, haben sie eine ganze Schar junger Außenseiter:innen hinter sich, deren Mindset geprägt ist von Desillusionierung, Frustration und Entfremdung von der Baby-Boomer-Generation ihrer Eltern, dem amerikanischen Traum und seinen leeren Versprechen. Das hypermaskuline Gepose und der damit verbundene Hedonismus der Achtziger haben direkt mit ihnen ausgedient. Die Generation X ist auf dem Vormarsch – und findet in Kurt Cobain schnell ihren großen Anti-Helden.Hier gibt's die Playlist zum Podcast: https://open.spotify.com/playlist/65IjGmR9JQhDX1kI8zSv6b?si=bfb1cc3f5b1f44b8 Das Plattenregal zum Podcast: https://store.udiscover-music.de/p30-i3633Hier findest du unser Online-Magazin: https://www.udiscover-music.de/ Executive Producer: Laura Langenbach, André HoferModeration: Laura LangenbachProduktion: Laura Langenbach, Christina Wenig, Stefan ErnstRedaktion: Christina Wenig, Björn Springorum Hosted on Acast. See acast.com/privacy for more information.

Du möchtest deine offenen Positionen schneller besetzen? Vereinbare jetzt dein kostenloses Kennenlerngespräch: performance-recruiting.io Langsam, aber unaufhaltsam zeichnet sich der Generationswechsel in deinem Unternehmen ab. Immer mehr langjährige Mitarbeiter der Baby-Boomer-Generation erreichen das Rentenalter und treten aus dem Berufsleben aus. Daher sehen sich insbesondere mittelständische Unternehmen derzeit mit der großen Herausforderung konfrontiert, junge Talente zu gewinnen, um den Verlust erfahrener Mitarbeiter auszugleichen. In dieser Folge präsentiert Nicolas die fünf besten Tipps und Tricks, wie der Generationswechsel in deinem Unternehmen reibungslos erfolgen kann. So kannst du auch in Zukunft planbar deine Wachstumsziele erreichen. Viel Spaß beim Anhören! GRATIS PERFORMANCE RECRUITING LEITFADEN:

In this thought-provoking episode of "TWR Monday," Sam Whitfield and co-host Max Sand tackle a recent hot topic: President Biden's surprising move to regulate AI through an Executive Order. As they delve into this knee-jerk reaction from the administration, Sam and Max examine the potential consequences and why such an approach may be less than ideal. The conversation goes beyond the current situation to explore the broader issue of government regulation in the tech world. Sam and Max discuss the historical pitfalls of legislating technology and its consistent impact on stifling innovation. They highlight cases where well-intentioned regulation inadvertently hindered progress, providing valuable context for the AI regulation debate. As the discussion unfolds, the hosts examine the generational aspect of this issue, pointing out that many politicians in power today belong to the baby boomer generation. Drawing a connection between science fiction films and the fear of AI, Sam and Max offer a humorous yet insightful perspective on the mindset of those shaping technology policy. Join Sam Whitfield and Max Sand for a lively conversation that navigates the complex intersection of politics and technology. "TWR Monday" invites you to delve into the world of AI regulation and its potential ramifications, all while shedding light on the generational influences at play. Tune in for an engaging discussion on "The Whitfield Report." Please Support The Show: Substack: https://samwhitfield.substack.com/ Paypal: https://www.paypal.me/whitfieldpod  Patreon: https://www.patreon.com/whitfieldreport Subscribe and Support The Audio Podcast:https://anchor.fm/whitfieldreport/subscribe Streamlabs: https://streamlabs.com/thewhitfieldreport  Website: https://thesamwhitfield.blog Apple Podcasts: https://podcasts.apple.com/us/podcast/the-whitfield-report-audio-podcast/id1292359278 Reddit: https://www.reddit.com/r/WhitfieldReport/ Dlive: https://dlive.tv/TheWhitfieldReport Odysee: https://odysee.com/@TheWhitfieldReport:b  Rumble: https://rumble.com/user/TheWhitfieldReport Guilded server: https://www.guilded.gg/r/zzzE8b61qR?i=AYwozWnd Amazon Author Page: https://www.amazon.com/stores/Sam-Whitfield/author/B00M1DNU88?ref=ap_rdr&store_ref=ap_rdr&isDramIntegrated=true&shoppingPortalEnabled=true Affiliate links: Sign up for Rumble: https://rumble.com/register/TheWhitfieldReport/ Start Streaming with Melon: https://melonapp.com?ref=samwhitfield 35% off your first Shady Rays order: https://www.talkable.com/x/SIoRXl 1. Introduction (00:00) - Setting the stage for the episode and introducing the main topics. 2. Boomer Biden's AI Regulation (00:45) - Discussing President Biden's Executive Order on AI and the knee-jerk reaction. 3. The Downsides of Regulating Tech (15:23) - Exploring the historical impact of government regulation on technology and innovation. 4. Fear of the Unknown (31:42) - Examining how science fiction movies may have influenced the fear of AI in some politicians. 5. The Baby Boomer Generation (47:15) - Discussing the generational aspect of technology regulation and its effects on policy. 6. Navigating the AI Landscape (1:05:09) - Analyzing the potential consequences and considerations when regulating AI. 7. Recent Developments (1:24:01) - Catching up on the latest news and events related to AI and tech regulation. 8. Closing Thoughts (1:40:12) - Summarizing the key takeaways from the discussion and wrapping up the episode. 9. Outro (1:52:24) - Wrapping up the episode, thanking the audience, and previewing future topics. --- Send in a voice message: https://podcasters.spotify.com/pod/show/whitfieldreport/message

In this Special Edition episode Tom and Bert go through their childhood years of the early 1960's and discuss the JFK Camelot Years and the impact those years had on their young lives. This is Part 1 and mainly covers the pre-assassination era of the Kennedy presidency. Going through world events and crises that the US was embroiled in,  The Bay of Pigs and The Cuban Missile Crisis and standoff with Russia. They give their perspective on being young kids in school and how they were affected by the turmoil of those times. The Music was changing while the Politics and Social aspects of society were going through numerous changes that set the stage for future generations. Everything in our world came crashing down on November 22, 1963 when President Kennedy was assassinated. A few months later the Beatles came to America and more changes were coming in music and culture. Join us for Part 2  next week as we cover the upcoming revolution of the young Baby Boomer Generation as we complete the crazy years of the Sex, Drugs and Rock n Roll Era.Thanks again for listening. We do appreciate it. 

We hear a school nurse's perspective on healthcare from Tina Mahoney in this episode of the Perspectives on Healthcare Podcast with Rob Oliver. Tina Mahoney has years of experience as a nurse in a variety of settings, most recently she has been servicing the community as a school nurse. A member of the Baby Boomer Generation, Tina Mahoney is in Arizona. I apologize for the banging and clanging that you hear throughout the interview. About two minutes in, my microphone became detached from the desktop, and I had to hold it in my hands for the remainder of the interview. I tried to edit out as much as possible, but sometimes it happens while I am talking. My apologies! Here are 3 things that stood out as Tina Mahoney gave us a school nurse's perspective on healthcare: • The stereotypical view of a school nurse is “Band-Aids and crackers and we send you on your way.” The current reality is that they work with a variety of children, many of whom have complex medical needs. • By having a school nurse in the building, students who may have been otherwise homebound can now attend school in person. • Quality healthcare is about access to care and transparent communication! It also includes wraparound services for every family. You can connect with Tina Mahoney through the links below: Website: https://snoa.org/ Twitter: https://www.twitter.com/SNOA_Az Facebook: https://www.facebook.com/SNOAz LinkedIn: https://www.linkedin.com/in/christine-mahoney-470118a5/ To connect with the show on social media use the links below: Twitter: http://twitter.com/yourkeynoter Facebook: http://facebook.com/yourkeynoter Instagram: http://instagram.com/yourkeynoter LinkedIn: http://linkedin.com/company/yourkeynoter YouTube: https://www.youtube.com/@yourkeynotespeaker We would love to hear from you. Visit the “Contact Us” form: https://www.perspectivesonhealthcare.com/contact/ Look around the website for more Perspectives on Healthcare. Disclaimer: All opinions expressed by guests on the Perspectives on Healthcare Podcast are solely the opinion of the guest. They are not to be misconstrued as medical diagnoses or medical advice. Please consult with a licensed medical professional before attempting any of the treatments suggested.

We hear a school nurse's perspective on healthcare from Tina Mahoney in this episode of the Perspectives on Healthcare Podcast with Rob Oliver. Tina Mahoney has years of experience as a nurse in a variety of settings, most recently she has been servicing the community as a school nurse. A member of the Baby Boomer Generation, Tina Mahoney is in Arizona. I apologize for the banging and clanging that you hear throughout the interview. About two minutes in, my microphone became detached from the desktop, and I had to hold it in my hands for the remainder of the interview. I tried to edit out as much as possible, but sometimes it happens while I am talking. My apologies! Here are 3 things that stood out as Tina Mahoney gave us a school nurse's perspective on healthcare: • The stereotypical view of a school nurse is “Band-Aids and crackers and we send you on your way.” The current reality is that they work with a variety of children, many of whom have complex medical needs. • By having a school nurse in the building, students who may have been otherwise homebound can now attend school in person. • Quality healthcare is about access to care and transparent communication! It also includes wraparound services for every family. You can connect with Tina Mahoney through the links below: Website: https://snoa.org/ Twitter: https://www.twitter.com/SNOA_Az Facebook: https://www.facebook.com/SNOAz LinkedIn: https://www.linkedin.com/in/christine-mahoney-470118a5/ To connect with the show on social media use the links below: Twitter: http://twitter.com/yourkeynoter Facebook: http://facebook.com/yourkeynoter Instagram: http://instagram.com/yourkeynoter LinkedIn: http://linkedin.com/company/yourkeynoter YouTube: https://www.youtube.com/@yourkeynotespeaker We would love to hear from you. Visit the “Contact Us” form: https://www.perspectivesonhealthcare.com/contact/ Look around the website for more Perspectives on Healthcare. Disclaimer: All opinions expressed by guests on the Perspectives on Healthcare Podcast are solely the opinion of the guest. They are not to be misconstrued as medical diagnoses or medical advice. Please consult with a licensed medical professional before attempting any of the treatments suggested.

It's a rural obstetrician's perspective on healthcare from Alan Lindemann on this episode of the Perspectives on Healthcare podcast with Rob Oliver. Alan is from North Dakota. He lives in a county where there are 2 people for every square mile, that's pretty rural. Alan Lindemann is a member of the Baby Boomer Generation. Here are 3 things that stood out as Alan Lindemann shared a rural obstetrician's perspective on healthcare: The primary word to remember when thinking about quality healthcare is access! Overcoming the barriers to access takes place one practitioner at a time and one patient at a time. The model needs to be adjusted to include mental health as a component of prenatal care. You can connect with Alan Lindemann using the links below: Website https://lindemannmd.com/ Website https://pregnancyyourway.com/ Twitter https://twitter.com/ruraldocalan Facebook https://www.facebook.com/RuralDocAlanL Instagram https://www.instagram.com/ruraldocalan/ To connect with the show on social media use the links below: Twitter: http://twitter.com/yourkeynoterFacebook: http://facebook.com/yourkeynoterInstagram: http://instagram.com/yourkeynoterLinkedIn: http://linkedin.com/company/yourkeynoterYouTube: https://www.youtube.com/channel/UC9ub8CjRQAmXsOEA4s9AYbw   We would love to hear from you. Visit the “Contact Us” form: https://www.perspectivesonhealthcare.com/contact/   Look around the website for more Perspectives on Healthcare. Disclaimer: All opinions expressed by guests on the Perspectives on Healthcare Podcast are solely the opinion of the guest. They are not to be misconstrued as medical diagnoses or medical advice. Please consult with a licensed medical professional before attempting any of the treatments suggested.

It's a rural obstetrician's perspective on healthcare from Alan Lindemann on this episode of the Perspectives on Healthcare podcast with Rob Oliver. Alan is from North Dakota. He lives in a county where there are 2 people for every square mile, that's pretty rural. Alan Lindemann is a member of the Baby Boomer Generation. Here are 3 things that stood out as Alan Lindemann shared a rural obstetrician's perspective on healthcare: The primary word to remember when thinking about quality healthcare is access! Overcoming the barriers to access takes place one practitioner at a time and one patient at a time. The model needs to be adjusted to include mental health as a component of prenatal care. You can connect with Alan Lindemann using the links below: Website https://lindemannmd.com/ Website https://pregnancyyourway.com/ Twitter https://twitter.com/ruraldocalan Facebook https://www.facebook.com/RuralDocAlanL Instagram https://www.instagram.com/ruraldocalan/ To connect with the show on social media use the links below: Twitter: http://twitter.com/yourkeynoterFacebook: http://facebook.com/yourkeynoterInstagram: http://instagram.com/yourkeynoterLinkedIn: http://linkedin.com/company/yourkeynoterYouTube: https://www.youtube.com/channel/UC9ub8CjRQAmXsOEA4s9AYbw   We would love to hear from you. Visit the “Contact Us” form: https://www.perspectivesonhealthcare.com/contact/   Look around the website for more Perspectives on Healthcare. Disclaimer: All opinions expressed by guests on the Perspectives on Healthcare Podcast are solely the opinion of the guest. They are not to be misconstrued as medical diagnoses or medical advice. Please consult with a licensed medical professional before attempting any of the treatments suggested.

In this episode, I discuss why using yield on cost is the easiest way to quickly underwrite potential deals. Additionally, our newest offering is live! If you'd like to learn more about this deal, please use this link. Are you tired of competing with other buyers and waiting on brokers to send you deals? Want to learn exactly how you can find more discounted multifamily deals than you know what to do with? Click here to check out our Off-Market Multifamily Deals course, where we teach investors how to develop a robust pipeline of discounted, off-market multifamily deals in six weeks or less. Are you looking to invest in real estate but don't want to deal with the hassle of finding great deals, signing on debt, and managing tenants? Aligned Real Estate Partners partners with passive investors looking for the returns, stability, and tax benefits investing in real estate offers, but not the work - join our investor club to be notified of future investment opportunities.   Connect with Axel: Follow him on Instagram Connect with him on Linkedin Learn more about Aligned Real Estate Partners

Are you ready to uncover the secrets behind building wealth in the multifamily real estate industry? Join host Axel Ragnarson on the captivating Multifamily Wealth Podcast as he sits down with the extraordinary Matt Faircloth, founder of the esteemed DeRosa Group. In their latest episode, they delve into the fascinating world of raising capital and cultivating relationships with investors. Brace yourself for a mind-blowing conversation as Matt shares his unique approach to incentive-based landlord and its profound impact on his industry success. Discover how he measures tenant happiness and creates an unparalleled living environment while effortlessly growing his real estate portfolio. Don't miss out on this must-listen episode packed with invaluable insights. Tune in now and get ready to unlock the secrets of multifamily triumph! Are you tired of competing with other buyers and waiting on brokers to send you deals? Want to learn exactly how you can find more discounted multifamily deals than you know what to do with? Click here to check out our Off-Market Multifamily Deals course, where we teach investors how to develop a robust pipeline of discounted, off-market multifamily deals in six weeks or less. Are you looking to invest in real estate but don't want to deal with the hassle of finding great deals, signing on debt, and managing tenants? Aligned Real Estate Partners partners with passive investors looking for the returns, stability, and tax benefits investing in real estate offers, but not the work - join our investor club to be notified of future investment opportunities.   Connect with Axel: Follow him on Instagram Connect with him on Linkedin Learn more about Aligned Real Estate Partners   Connect with Axel: Follow him on Instagram Connect with him on Linkedin Learn more about Aligned Real Estate Partners   Connect with today's guest: Connect with him on Linkedin: Learn more about DeRosa Group: Follow him on Instagram

As those of us born in the Baby Boomer Generation are expected to live longer than our parents, there are a number of behaviors in which we can engage that make that life expectancy a joy rather than a burden. These include physical, emotional, and empathetic activities that will help Boomers flourish in their later years.In this episode, participants will discover:Six behaviors that have a strong impact on healthy life expectancy (nutrition, physical activity, tobacco, alcohol, sleep, and healthy thinking)Six building blocks of well-being (emotional & mental, social & interpersonal, financial, career, physical, and community)Three behaviors that increase one's own well-being and well-being in others (reflections of gratitude, acts of kindness, expressions of thankfulness)Martin Seligman's 5 components of flourishing (positive emotion, engagement, positive relationships, meaning and purpose, and accomplishment.About Dr. Tom Kottke:Dr. Tom Kottke is a cardiologist and health services researcher in the Twin Cities area of Minneapolis and St. Paul. After 17 years practicing at Mayo Clinic Rochester, he moved to HealthPartners, now Medical Director for Well-Being, while continuing to practice cardiology. Currently, his research and program development focuses on how individuals can increase their healthy life expectancy and increase their sense of well-being.Get in touch with Dr. Tom Kottke:Visit Tom's website: https://www.healthpartners.com/knowledgeexchange/display/person-Kottke-T-EDownload Tom's Handout: https://revolutionizeretirement.com/kottke What to do next: Click to grab our free guide, 10 Key Issues to Consider as You Explore Your Retirement Transition Please leave a review at Apple Podcasts. Join our Revolutionize Your Retirement group on Facebook.

„Okay Boomer“… der Spruch zu einem Internet-Meme ging 2019 weltweit viral. Er war Ausdruck der großen Frustration, der Enttäuschung und sogar Wut der um die Jahrtausendwende geborenen Generation Z. Weil die Baby-Boomer-Generation in den großen Krisen mut- und einfallslos agiere. Aber markiert der Spruch damit tatsächlich das „Ende der freundschaftlichen Beziehungen zwischen den Generationen“, wie im Herbst 2019 ein Artikel in der „New York Times“ verkündete? SWR Aktuell Kontext über den Antagonismus zwischen Boomern und Generation Z einerseits, aber auch gemeinsame Interessen und wie die Kluft überwunden werden könnte.

When many people think of Australia in the 1960s, they picture an era of protests, sexual exploration and counter-revolutions staged namely by what we now call "The Baby Boomer Generation", who began Australia's first timid steps towards cultural maturity. These Australians began exercising their influence against restrictive legislation, outdated morality and social issues within Australian society, which is exactly the opposite of what their generation stands for now. Cinema around the world was transitioning from big studio led productions to an "Auteur director"-led model. Young experimental film makers with a little cash and a lot of spirit began to make the movie industry their own. Their creativity was influenced by anti-government sentiment after the disastrous results of the Vietnam War, the second wave feminist movement, and the push for the acceptance of the homosexual community. Young Australian film makers were watching, taking notes and preparing for their first steps into the industry. Join Holly and Matthew as they talk Australian New Wave Cinema/Ozploitation, the genre, the heavy hitters, and where the industry would go from here...

When many people think of Australia in the 1960s, they picture an era of protests, sexual exploration and counter-revolutions staged namely by what we now call "The Baby Boomer Generation", who began Australia's first timid steps towards cultural maturity. These Australians began exercising their influence against restrictive legislation, outdated morality and social issues within Australian society, which is exactly the opposite of what their generation stands for now. Cinema around the world was transitioning from big studio led productions to an "Auteur director"-led model. Young experimental film makers with a little cash and a lot of spirit began to make the movie industry their own. Their creativity was influenced by anti-government sentiment after the disastrous results of the Vietnam War, the second wave feminist movement, and the push for the acceptance of the homosexual community. Young Australian film makers were watching, taking notes and preparing for their first steps into the industry. Join Holly and Matthew as they talk Australian New Wave Cinema/Ozploitation, the genre, the heavy hitters, and where the industry would go from here...

We hear a chief medical officer's perspective on healthcare from Peter Small in this episode of the Perspectives on Healthcare Podcast with Rob Oliver. Dr. Peter Small has a specialty in cough which is unique. He is a member of the Baby Boomer Generation and is located in the state of Washington. He is the chief medical officer of Hyfe, a company that uses acoustic tools for respiratory diagnostics and monitoring. Here are 3 things that stood out as Peter Small gave us a chief medical officer's perspective on healthcare: · Hyfe wants to do for cough what the thermometer did for fever. Cough is one of the most common reasons that people seek healthcare, yet it is a symptom that is rarely measured · Their app is like a Fitbit for coughing. Using the app, you can have hard data around how many times you are coughing each day. · Looking at the pattern of cough may also give an indication as to its origin. Is it GERD? Is it allergies? Is it a cold? Looking at when people cough can help identify its cause. · Bonus: There is a value internationally to looking at cough as more than just a symptom of tuberculosis. If it's not tuberculosis, what is it? You can learn more about Peter Small and Hyfe through the links below: Website https://www.hyfe.ai Twitter http://www.twitter.com/hyfeapp Facebook http://www.facebook.com/hyfeapp Instagram http://www.instagram.com/hyfeapp LinkedIn https://www.linkedin.com/company/hyfe/ To connect with the show on social media use the links below: Twitter: http://twitter.com/yourkeynoter Facebook: http://facebook.com/yourkeynoter Instagram: http://instagram.com/yourkeynoter LinkedIn: http://linkedin.com/company/yourkeynoter YouTube: https://www.youtube.com/channel/UC9ub8CjRQAmXsOEA4s9AYbw We would love to hear from you. Visit the “Contact Us” form: https://www.perspectivesonhealthcare.com/contact/ Look around the website for more Perspectives on Healthcare. Disclaimer: All opinions expressed by guests on the Perspectives on Healthcare Podcast are solely the opinion of the guest. They are not to be misconstrued as medical diagnoses or medical advice. Please consult with a licensed medical professional before attempting any of the treatments suggested.

We hear a chief medical officer's perspective on healthcare from Peter Small in this episode of the Perspectives on Healthcare Podcast with Rob Oliver. Dr. Peter Small has a specialty in cough which is unique. He is a member of the Baby Boomer Generation and is located in the state of Washington. He is the chief medical officer of Hyfe, a company that uses acoustic tools for respiratory diagnostics and monitoring. Here are 3 things that stood out as Peter Small gave us a chief medical officer's perspective on healthcare: · Hyfe wants to do for cough what the thermometer did for fever. Cough is one of the most common reasons that people seek healthcare, yet it is a symptom that is rarely measured · Their app is like a Fitbit for coughing. Using the app, you can have hard data around how many times you are coughing each day. · Looking at the pattern of cough may also give an indication as to its origin. Is it GERD? Is it allergies? Is it a cold? Looking at when people cough can help identify its cause. · Bonus: There is a value internationally to looking at cough as more than just a symptom of tuberculosis. If it's not tuberculosis, what is it? You can learn more about Peter Small and Hyfe through the links below: Website https://www.hyfe.ai Twitter http://www.twitter.com/hyfeapp Facebook http://www.facebook.com/hyfeapp Instagram http://www.instagram.com/hyfeapp LinkedIn https://www.linkedin.com/company/hyfe/ To connect with the show on social media use the links below: Twitter: http://twitter.com/yourkeynoter Facebook: http://facebook.com/yourkeynoter Instagram: http://instagram.com/yourkeynoter LinkedIn: http://linkedin.com/company/yourkeynoter YouTube: https://www.youtube.com/channel/UC9ub8CjRQAmXsOEA4s9AYbw We would love to hear from you. Visit the “Contact Us” form: https://www.perspectivesonhealthcare.com/contact/ Look around the website for more Perspectives on Healthcare. Disclaimer: All opinions expressed by guests on the Perspectives on Healthcare Podcast are solely the opinion of the guest. They are not to be misconstrued as medical diagnoses or medical advice. Please consult with a licensed medical professional before attempting any of the treatments suggested.

Could a reverse mortgage help you reach your income goals? How do reverse mortgages work? Is a reverse mortgage good or bad? https://www.youtube.com/watch?v=820qDZ5CkFE Today, we're talking with Mike Stanley, Regional Senior Lending Sale Manager for Thrive Mortgage. He shares everything you need to know about reverse mortgages explained. So, if you want to understand just how reverse mortgages work, their pros and cons, and the costs, and get answers to your questions so you can make decisions… tune in now! Table of contentsHow Mike Got Into Reverse MortgagesThe Baby Boomer GenerationBorrowing Qualifications for a Reverse MortgageWhat is a Reverse Mortgage? Numbers on a Reverse MortgageWhat if You're Not Old Enough?Get in Touch with Mike StanleyBook A Strategy Call How Mike Got Into Reverse Mortgages [9:40] “Most people don't know what a reverse mortgage is other than a myth or a rumor that they've heard.” Mike Stanley got into the world of reverse mortgages in 2008, yet not without hesitation. He didn't want to be taking advantage of people, and most information about reverse mortgages is a little hazy. In reality, there are quite a few reverse mortgage strategies that can help people in different ways.  10:25] “It's not been called, technically, a reverse mortgage since 1988. That's when congress, in 1988, passed a law called home equity conversion mortgage. You may hear it called a HECM. At that point in time, it stopped being a reverse mortgage, but it was such slang for the terminology. People still call it a reverse mortgage even though it's a federally insured FHA loan that has all the protections of FHA.”  The Baby Boomer Generation [13:10] “48 percent of Baby Boomers are retiring while carrying a mortgage into their retirement years… Another interesting fact, 50 percent of those 65 or older have their houses paid for, and 27 percent of those will downsize or right-size into a home that better meets their retirement needs.”  If you're in the Baby Boomer generation, considering a reverse mortgage strategy can help you downsize. It can also help you find more retirement income by leveraging home equity. If not, those with Baby Boomer parents should be considering how they're going to care for their parents.  Borrowing Qualifications for a Reverse Mortgage [19:25] “Right now, to be a borrower, the borrower has to be 62 years of age minimum. It is a mortality or equity-based loan… We take four things into consideration. We take in their age… we take in the value of the home, and we take in the interest rate on the loan—and how much equity we're going to have to leave in the house.”  What is a Reverse Mortgage?  The short and sweet answer is that you give up the equity in your home in exchange for regular payments. This can provide an income to homeowners over the age of 62, or help you keep your home in retirement. There are even options for those who have children who wish to inherit the home. [24:18] “There's a unique feature in the reverse mortgage… it's called a non-recourse feature, which means and states that no one is ever responsible for paying their home back personally. Only the equity in the house can ever be used at the time the loan is due. The time the loan is due is when the last of the two borrowers… no longer live in a property as their primary residence, or one of them passes away, or they sell the house, or they refinance the house.” [28:14] “There are four ways of taking money out. If you take a lump sum, there are two options. There's a fixed rate option. And whatever you take out on a fixed rate is the maximum you get; there are no more funds available. On the… adjustable rate, there is a line of credit.” [30:30] “Now they do have two other options. They could take what we call a tenure option, which a tenure is a life expectancy payout. Let's assume that we run our numbers and based off their life expectancy and the pool of money that the...

Prof. Dr. Thomas Druyen im Podcast Talk mit Norman MüllerMit Thomas spreche ich über das Erbe der Baby-Boomer Generation (das sind ca. 19 Mio Menschen!) und darüber, welche Auswirkungen ihre Entscheidungen auf die nächsten Generation haben wird. Ist der geschaffene Wohlstand unserer Gesellschaft tatsächlich zukunftsfähig? Wie weit müssen wir uns von unserem Sicherheitsstandard entfernen und in die Unsicherheit gehen, um neue Entwicklungschancen nutzen zu können? Das und vieles mehr bespreche ich mit Thomas in dieser Podcast Folge.Prof. Dr. Thomas Druyen: Direktor Institut Zukunftspsychologie und Zukunftsmanagement an der Sigmund Freud PrivatUniversität in Wien, Präsident der opta data Zukunfts-Stiftung gGmbH, Gastprofessur für Vermögenspsychologie und transgenerationales Vermögensmanagement am Wittener Institut für Familienunternehmen/Universität Witten/Herdecke, Weiterhin Autor, Berater und in verschiedenen Aufsichtsgremien.Shownoteshttps://www.linkedin.com/pulse/wie-enkelf%C3%A4hig-sind-die-entscheidungen-der-marke-norman-m%C3%BCller/?lipi=urn%3Ali%3Apage%3Ad_flagship3_publishing_published%3Bgs1xJvnATwypPR8RagEQ9Q%3D%3D___________________________Abonniere die Shownotes zum Podcast bei LinkedInhttps://www.linkedin.com/newsletters/markenrebell-executive-update-6863406885521895424/___________________________Das erwartet dich in der MARKENREBELL Community:✅ Live Workshops, Mentorings, Q&As mit unseren Interview Gästen✅ Audio Talks wie bei ClubHouse nur krasser✅ Exklusive Podcast Folgen nur für Mitglieder✅ Podcast Folgen als Videoaufzeichnungen✅ Pitch - Wer von euch mein nächster Interview Gast wird

The COVID pandemic has taken the lives of 1 million Americans in two years (more than twice the amount of Americans who lost their lives in WWII in four years).  This grim statistic came about because of a fundamentally broken, fragmented, expensive, inequitable, and occasionally unsafe healthcare system.  If the mission of our $4 trillion healthcare system is to improve health and prevent death from disease, we could look to no greater example of failure than the COVID-19 pandemic. Global pandemics are always horrific, but they also represent wonderful opportunities to learn by taking advantages of the crises invoked. The COVID crash of American healthcare is not unlike an airline crash.  Failure to learn and overcome our structural and cultural flaws will have calamitous results.  The airplane (American healthcare) will continue to crash again and again.  We would never tolerate these failures in aviation, but why do we accept them when it comes to healthcare?  The answer ultimately comes down to misalignment of financial incentives (fee-for-service medicine) and cultural headwinds related to structural racism, American exceptionalism, lack of trust, and tribalism. On this week's episode of Race to Value, we interview Dr. David Nash about his new book co-written with Charles Wohlforth, “How COVID Crashed the System: A Guide to Fixing American Health Care.”  Dr. David Nash is among the world's most respected experts on health care accountability, quality, and leadership. He is the founder of the Jefferson College of Population Health in Philadelphia and remains its founding dean emeritus.  In this interview, we do a deep dive on his new book explaining what went wrong as it relates to COVID and health care delivery.  This is a must-listen podcast as you will hear the unfiltered truth about the pandemic from the nation's foremost prophet of population health.  This podcast will make you angry and sad, but it will also leave you with optimism for the future of value-based care and population health management.  We can get better and do better by those we serve – we can win this Race to Value. Episode Bookmarks: 01:30 The opportunity to learn and take advantage of the COVID-19 pandemic so we may heal a broken healthcare system 03:00 Introduction to Dr. David Nash, one of the world's most respected experts on health care accountability and population health 05:00 America's COVID crash and the realization of a broken, fragmented, expensive, inequitable, and occasionally unsafe healthcare system 07:00 Dr. Nash provides perspective on the 1 million American citizens that died 08:00 “Half a million Americans died fighting WWII over a period of 4 years, and it is mind boggling to see how COVID-19 killed twice as many in half the time.” 08:30 Recognition of the fragility of the healthcare system pre-pandemic 08:45 “If the mission of a $4 trillion a year healthcare system is to improve health, we are not doing such a good job.” 09:00 The Four Horses of the Pre-Pandemic Healthcare Apocalypse: 1) Depression, 2) Opioid Abuse, 3) Alcoholism, 4) Suicide Ideation 09:30 “The Baby Boomer Generation is going to end up living longer than the Millennial Generation if we don't do something about our healthcare system.” 10:30 Investigating the COVID crash like we would an airplane crash 11:00 “The pandemic shined a spotlight on structural failures, social determinants of failures, and the failure of our healthcare system to have a clear mission to improve health.” 11:30 American exceptionalism and the hubris of political leadership 13:30 Failures of government: lack of communication, lack of understanding, and a lack of transparency 14:30 Early warnings from Italy in early December 2019 telling us that the pandemic was coming 15:00 President Trump's pathetic goal to re-open the economy by Easter Sunday 2020 15:30 Failure at all levels of government (ex: White House, FDA, CDC, HHS)

We get a reiki master's perspective on healthcare from Diane Giammarino on this episode of the Perspectives on Healthcare Podcast with Rob Oliver. Diane is from Brooklyn New York. In addition to her work as a reiki master, she is a registered dietitian and GAPS Practitioner. Diane Giammarino is on the tail end of the Baby Boomer Generation. Here are 3 things that stood out as Diane Giammarino shared a reiki master's perspective on healthcare: · Health is a journey, it unfolds before you. Dianna's journey led her to a holistic approach to her own health. Healing is also a journey and takes time. · We put the best gas in our car, the best furniture in our house, the best shoes on our feet but don't pay any attention to the quality of the food we put into our bodies. · Energy work is reawakening the healer within ourselves. You can learn more about Diane Giammarino and her reiki practice through the link below: Website http://www.divinehealingandnutrition.com To connect with the show on social media use the links below: Twitter: http://twitter.com/yourkeynoter Facebook: http://facebook.com/yourkeynoter Instagram: http://instagram.com/yourkeynoter LinkedIn: http://linkedin.com/company/yourkeynoter YouTube: https://www.youtube.com/channel/UC9ub8CjRQAmXsOEA4s9AYbw We would love to hear from you. Visit the “Contact Us” form: https://www.perspectivesonhealthcare.com/contact/ Look around the website for more Perspectives on Healthcare. Disclaimer: All opinions expressed by guests on the Perspectives on Healthcare Podcast are solely the opinion of the guest. They are not to be misconstrued as medical diagnoses or medical advice. Please consult with a licensed medical professional before attempting any of the treatments suggested.

We get a reiki master's perspective on healthcare from Diane Giammarino on this episode of the Perspectives on Healthcare Podcast with Rob Oliver. Diane is from Brooklyn New York. In addition to her work as a reiki master, she is a registered dietitian and GAPS Practitioner. Diane Giammarino is on the tail end of the Baby Boomer Generation. Here are 3 things that stood out as Diane Giammarino shared a reiki master's perspective on healthcare: · Health is a journey, it unfolds before you. Dianna's journey led her to a holistic approach to her own health. Healing is also a journey and takes time. · We put the best gas in our car, the best furniture in our house, the best shoes on our feet but don't pay any attention to the quality of the food we put into our bodies. · Energy work is reawakening the healer within ourselves. You can learn more about Diane Giammarino and her reiki practice through the link below: Website http://www.divinehealingandnutrition.com To connect with the show on social media use the links below: Twitter: http://twitter.com/yourkeynoter Facebook: http://facebook.com/yourkeynoter Instagram: http://instagram.com/yourkeynoter LinkedIn: http://linkedin.com/company/yourkeynoter YouTube: https://www.youtube.com/channel/UC9ub8CjRQAmXsOEA4s9AYbw We would love to hear from you. Visit the “Contact Us” form: https://www.perspectivesonhealthcare.com/contact/ Look around the website for more Perspectives on Healthcare. Disclaimer: All opinions expressed by guests on the Perspectives on Healthcare Podcast are solely the opinion of the guest. They are not to be misconstrued as medical diagnoses or medical advice. Please consult with a licensed medical professional before attempting any of the treatments suggested.

Welcome to today's episode I'm your host Justin Hanover, Success coach with fitness revolution.  Before we dive in and bring on today's guest I wanted to share a little about what you can expect to hear and who we have joining us today.Today I have the pleasure of speaking with Dan RitchieDr. Dan Ritchie started his fitness career at Southeast Missouri State University with a bachelor's degree in Fitness and Sports Medicine and then spent a year as a graduate assistant coaching Division 1 athletes. He completed his master's degree in Health & Physical Education at the University of Wisconsin- Whitewater, where he won the 2002 Thesis of the Year. Since 2007 Dan has owned and operated Miracles Fitness in West Lafayette, Indiana, where he and his staff have trained over 2000 clients. With over 20 years of experience, he has extensive knowledge on training the mature adult market and has equipped people in their 50s, 60s, 70s, and beyond to achieve their goals and enhance their functional longevity. Dan was the 2014 PFP Trainer of the Year, and then shortly after he and Dr. Cody Sipe co-founded the Functional Aging Institute.In our conversation Dan hit on some powerful points on serving the baby boomer generation. If serving the demographic with the largest buying power and time availability matters to you then you will find amazing value in this episode.  We got into marketing and understanding what to put out there to attract this demographic to the types of offers that work.  Then if you aren't already serving this demographic Dan shares his functional aging certification and how it will ultimately allow you to serve this population and grow your business.To engage with Dan visit his sites below:WebsiteFacebookThanks for listening!  Don't forget to leave a review!The Needs Assessment:The Free Assessment that Gym Owners Need to Escape the Grind.Want to build a thriving Gym? Don't know what to do next? Get the direction that you need for your business. Instantly receive a specialized snapshot where you are in the Fitness Business Owners Journey. In two minutes you'll know your next big step! Get Assessed.Join our email newsletter for access to over 15 years of fitness business expertise. Get help with every aspect of your business. Marketing, Sales, Finance, Business Strategy, and lots more! Join the Revolution.

Nancy Gunter has 25 years experience in executive coaching and corporate training. She is certified by Gallup to Coach using the Strengths Assessment and certified with MHS to coach using the EQi-2.0 assessment, centered on Emotional Intelligence. Nancy also designs and delivers trainings in Generational Studies, Emotional Intelligence, Supervision, Communication, Teambuilding, and more. She is certified in Temperament Fluency, Why People Do What They Do, and is also an Exceptional Leaders Lab Partner offering content in a wide variety of leadership topics for groups of every size and demographic. As OKHR Leads guest of our 54th episode we learn were she got her start and her interest in closing the cap between generations. If you love to discuss the difference in Baby Boomers vs. Generation Z and all in between you will enjoy this episode. As added bonus Nancy throws in her knowledge of emotion intelligence and the subject that will enhance our thoughts on brain science, Positive Intelligence. Gunter Training Exceptional Leaders Lab Generations Generation names explained The Lost Generation — born 1883-1900. ... The Greatest Generation — born 1901-1924. ... The Silent Generation — born 1925-1945. ... Baby Boomer Generation — born 1946-1964. ... Generation X — born 1965-1980. ... Generation Y — born 1981-1996. ... Generation Z — born 1997-2012. ... Generation Alpha — born 2013-2025. Freakonomics Positive Intelligence and PQ Emotional Intelligence TAHRA Grace & Frankie Del Taco

Connect with me on Instagram:@talkovercoffee_ Baby Boomer Generation and Millennial Generation, have grown so much over time. Yet, the Boomers forget we are living in OUR prime and these times are not the same. How can we be like them, when the world they lived in so different than the world we live in NOW. Must change as the times changes, because we are forced to change.  --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app

We hear a rehabilitation nurse's perspective on healthcare from Linda Schultz on this episode of the Perspectives on Healthcare Podcast with Rob Oliver. Linda is a member of the Baby Boomer Generation and is based in Missouri. She specializes in spinal cord injury and within that community is known as “Nurse Linda”. Additionally, she has a PhD in nursing research. Here are 3 things that stood out as Linda Schultz gave us a rehabilitation nurse's perspective on healthcare: · When a person comes into the rehab setting, they are likely at their lowest point. Medical practitioners can only serve as guides to the individuals going through the rehabilitation process. · Quality healthcare is being able to find the middle ground, what are the needs and desires of the individual and how can we match those with the resources that are available to them? · There is a population that is not interested in research and new procedures until they become reality and are available to the public. You can learn more about “Nurse Linda” Schultz through the links below: Website: https://www.christopherreeve.org/living-with-paralysis/free-resources-and-downloads/ask-nurse-linda Blog: https://www.christopherreeve.org/blog/author/NurseLinda To connect with the show on social media use the links below: Twitter: http://twitter.com/yourkeynoter Facebook: http://facebook.com/yourkeynoter Instagram: http://instagram.com/yourkeynoter LinkedIn: http://linkedin.com/company/yourkeynoter YouTube: https://www.youtube.com/channel/UC9ub8CjRQAmXsOEA4s9AYbw We would love to hear from you. Visit the “Contact Us” form: https://www.perspectivesonhealthcare.com/contact/ Look around the website for more Perspectives on Healthcare. Disclaimer: All opinions expressed by guests on the Perspectives on Healthcare Podcast are solely the opinion of the guest. They are not to be misconstrued as medical diagnoses or medical advice. Please consult with a licensed medical professional before attempting any of the treatments suggested.

We hear a rehabilitation nurse's perspective on healthcare from Linda Schultz on this episode of the Perspectives on Healthcare Podcast with Rob Oliver. Linda is a member of the Baby Boomer Generation and is based in Missouri. She specializes in spinal cord injury and within that community is known as “Nurse Linda”. Additionally, she has a PhD in nursing research. Here are 3 things that stood out as Linda Schultz gave us a rehabilitation nurse's perspective on healthcare: · When a person comes into the rehab setting, they are likely at their lowest point. Medical practitioners can only serve as guides to the individuals going through the rehabilitation process. · Quality healthcare is being able to find the middle ground, what are the needs and desires of the individual and how can we match those with the resources that are available to them? · There is a population that is not interested in research and new procedures until they become reality and are available to the public. You can learn more about “Nurse Linda” Schultz through the links below: Website: https://www.christopherreeve.org/living-with-paralysis/free-resources-and-downloads/ask-nurse-linda Blog: https://www.christopherreeve.org/blog/author/NurseLinda To connect with the show on social media use the links below: Twitter: http://twitter.com/yourkeynoter Facebook: http://facebook.com/yourkeynoter Instagram: http://instagram.com/yourkeynoter LinkedIn: http://linkedin.com/company/yourkeynoter YouTube: https://www.youtube.com/channel/UC9ub8CjRQAmXsOEA4s9AYbw We would love to hear from you. Visit the “Contact Us” form: https://www.perspectivesonhealthcare.com/contact/ Look around the website for more Perspectives on Healthcare. Disclaimer: All opinions expressed by guests on the Perspectives on Healthcare Podcast are solely the opinion of the guest. They are not to be misconstrued as medical diagnoses or medical advice. Please consult with a licensed medical professional before attempting any of the treatments suggested.

In this episode we hear an anesthesiologist's perspective on healthcare from Gurpreet Padda. He joined the Perspectives on Healthcare Podcast with Rob Oliver from his home state of Missouri. In addition to being an anesthesiologist, he has expertise in pain, addiction, obesity and diabetes. Gurpreet is a member of the Baby Boomer Generation. One of the uniting factors of all these issues, he says, is meta-inflammation. Here are 3 things that stood out as Gurpreet Padda gave us an anesthesiologist's perspective on healthcare: · The common thread that ties together all the epidemics and pandemics that we are facing is metabolic inflammation · Our bodies are not constructed to handle the types of food that we are eating and the frequency with which we are eating · Doctors and medical practitioners need to be role models for the types of behaviors they encourage their patients to follow. Overweight doctors are less likely to talk about weight issues with their patients and their patients are less likely to listen to them. You can learn more about Gurpreet Padda through his website: Website https://www.reversediabetes.md To connect with the show on social media use the links below: Twitter: http://twitter.com/yourkeynoter Facebook: http://facebook.com/yourkeynoter Instagram: http://instagram.com/yourkeynoter LinkedIn: http://linkedin.com/company/yourkeynoter YouTube: https://www.youtube.com/channel/UC9ub8CjRQAmXsOEA4s9AYbw We would love to hear from you. Visit the “Contact Us” form: https://www.perspectivesonhealthcare.com/contact/ Look around the website for more Perspectives on Healthcare. Disclaimer: All opinions expressed by guests on the Perspectives on Healthcare Podcast are solely the opinion of the guest. They are not to be misconstrued as medical diagnoses or medical advice. Please consult with a licensed medical professional before attempting any of the treatments suggested.

In this episode we hear an anesthesiologist's perspective on healthcare from Gurpreet Padda. He joined the Perspectives on Healthcare Podcast with Rob Oliver from his home state of Missouri. In addition to being an anesthesiologist, he has expertise in pain, addiction, obesity and diabetes. Gurpreet is a member of the Baby Boomer Generation. One of the uniting factors of all these issues, he says, is meta-inflammation. Here are 3 things that stood out as Gurpreet Padda gave us an anesthesiologist's perspective on healthcare: · The common thread that ties together all the epidemics and pandemics that we are facing is metabolic inflammation · Our bodies are not constructed to handle the types of food that we are eating and the frequency with which we are eating · Doctors and medical practitioners need to be role models for the types of behaviors they encourage their patients to follow. Overweight doctors are less likely to talk about weight issues with their patients and their patients are less likely to listen to them. You can learn more about Gurpreet Padda through his website: Website https://www.reversediabetes.md To connect with the show on social media use the links below: Twitter: http://twitter.com/yourkeynoter Facebook: http://facebook.com/yourkeynoter Instagram: http://instagram.com/yourkeynoter LinkedIn: http://linkedin.com/company/yourkeynoter YouTube: https://www.youtube.com/channel/UC9ub8CjRQAmXsOEA4s9AYbw We would love to hear from you. Visit the “Contact Us” form: https://www.perspectivesonhealthcare.com/contact/ Look around the website for more Perspectives on Healthcare. Disclaimer: All opinions expressed by guests on the Perspectives on Healthcare Podcast are solely the opinion of the guest. They are not to be misconstrued as medical diagnoses or medical advice. Please consult with a licensed medical professional before attempting any of the treatments suggested.

You will hear an interventional cardiologist's perspective on healthcare from Chef Dr. Mike Fenster on this episode of the Perspectives on Healthcare Podcast with Rob Oliver. Chef Dr. Mike blends his two passions into a single career, combining his love of food with his medical expertise to become an expert in culinary medicine. A member of the Baby Boomer Generation, Chef Dr. Mike is based in Montana. He is a professor of culinary medicine at the University of Montana as well as several other colleges. Here are 3 points that stood out as Chef Dr. Mike Fenster shared an interventional cardiologist's perspective on healthcare: · Sometimes the personal difficulties that we experience our great learning opportunities that can change the direction of our lives · Quality healthcare is not about what medical professionals tell the patient, it starts with listening to the patient and putting them at the heart of the care plan · Food is one of the most important elements in the development and history of the human race it is one of the things that unites us all together, everybody has to eat! · BONUS: 80% of heart attacks are preventable! You can learn more about Chef Dr. Mike Fenster through the website and social media links below: Website http://www.ChefDrMike.com Twitter http://twitter.com/ChefDrMike Facebook https://www.facebook.com/ChefDrMike Instagram http://instagram.com/RealChefDrMike LinkedIn https://www.linkedin.com/company/74131146/ To connect with the show on social media use the links below: Twitter: http://twitter.com/yourkeynoter Facebook: http://facebook.com/yourkeynoter Instagram: http://instagram.com/yourkeynoter LinkedIn: http://linkedin.com/company/yourkeynoter YouTube: https://www.youtube.com/channel/UC9ub8CjRQAmXsOEA4s9AYbw We would love to hear from you. Visit the “Contact Us” form: https://www.perspectivesonhealthcare.com/contact/ Look around the website for more Perspectives on Healthcare. Disclaimer: All opinions expressed by guests on the Perspectives on Healthcare Podcast are solely the opinion of the guest. They are not to be misconstrued as medical diagnoses or medical advice. Please consult with a licensed medical professional before attempting any of the treatments suggested.

You will hear an interventional cardiologist's perspective on healthcare from Chef Dr. Mike Fenster on this episode of the Perspectives on Healthcare Podcast with Rob Oliver. Chef Dr. Mike blends his two passions into a single career, combining his love of food with his medical expertise to become an expert in culinary medicine. A member of the Baby Boomer Generation, Chef Dr. Mike is based in Montana. He is a professor of culinary medicine at the University of Montana as well as several other colleges. Here are 3 points that stood out as Chef Dr. Mike Fenster shared an interventional cardiologist's perspective on healthcare: · Sometimes the personal difficulties that we experience our great learning opportunities that can change the direction of our lives · Quality healthcare is not about what medical professionals tell the patient, it starts with listening to the patient and putting them at the heart of the care plan · Food is one of the most important elements in the development and history of the human race it is one of the things that unites us all together, everybody has to eat! · BONUS: 80% of heart attacks are preventable! You can learn more about Chef Dr. Mike Fenster through the website and social media links below: Website http://www.ChefDrMike.com Twitter http://twitter.com/ChefDrMike Facebook https://www.facebook.com/ChefDrMike Instagram http://instagram.com/RealChefDrMike LinkedIn https://www.linkedin.com/company/74131146/ To connect with the show on social media use the links below: Twitter: http://twitter.com/yourkeynoter Facebook: http://facebook.com/yourkeynoter Instagram: http://instagram.com/yourkeynoter LinkedIn: http://linkedin.com/company/yourkeynoter YouTube: https://www.youtube.com/channel/UC9ub8CjRQAmXsOEA4s9AYbw We would love to hear from you. Visit the “Contact Us” form: https://www.perspectivesonhealthcare.com/contact/ Look around the website for more Perspectives on Healthcare. Disclaimer: All opinions expressed by guests on the Perspectives on Healthcare Podcast are solely the opinion of the guest. They are not to be misconstrued as medical diagnoses or medical advice. Please consult with a licensed medical professional before attempting any of the treatments suggested.

In this episode Pastor Scott Pitsch interviews Rev. Alan Erdman about the Baby Boomer generation, from January 19, 2022. We reflect on how Christ is working to redeem all nations across all time and how His covenant promise is passed down from one generation to the next. We will be looking at the history and characteristics of each generation that is presently represented at our church and see how their life's story has contributed to King of Kings

This episode, Nero's Fiddle takes a look at the Baby Boomer Generation.

We hear a chiropractor's perspective on healthcare has Garry Baldwin guests on the Perspectives on Healthcare Podcast with Rob Oliver. With over 30 years of experience as a chiropractor, Garry has a perspective not just as a practitioner but as a leader in the Washington State Chiropractic Association. He is a member of the Baby Boomer Generation from the great state of Washington. Here are 3 things that stood out as Garry Baldwin shared a chiropractor's perspective on healthcare: · Chiropractors have no desire to creep into the area of practice of medical doctors · 80% of Americans at age 50 have back pain · Quality healthcare starts with practitioners meeting the regulatory necessities You can connect with Garry Baldwin and the Washington State Chiropractic Association through the links below: Website: http://www.BaldwinChiropractic.com Website: https://www.chirohealth.org/ Facebook: https://www.facebook.com/BaldwinChiro Linkedin: http://linkedin.com/in/garry-w-baldwin-d-c-510b70115 To connect with the show on social media use the links below: Twitter: http://twitter.com/yourkeynoter Facebook: http://facebook.com/yourkeynoter Instagram: http://instagram.com/yourkeynoter Linkedin: http://linkedin.com/company/yourkeynoter LinkedIn: http://linkedin.com/in/imroboliver/ YouTube: https://www.youtube.com/channel/UC9ub8CjRQAmXsOEA4s9AYbw We would love to hear from you. Visit the “Contact Us” form: https://www.perspectivesonhealthcare.com/contact/ Look around the website for more Perspectives on Healthcare. Disclaimer: All opinions expressed by guests on the Perspectives on Healthcare Podcast are solely the opinion of the guest. They are not to be misconstrued as medical diagnoses or medical advice. Please consult with a licensed medical professional before attempting any of the treatments suggested.

We hear a chiropractor's perspective on healthcare has Garry Baldwin guests on the Perspectives on Healthcare Podcast with Rob Oliver. With over 30 years of experience as a chiropractor, Garry has a perspective not just as a practitioner but as a leader in the Washington State Chiropractic Association. He is a member of the Baby Boomer Generation from the great state of Washington. Here are 3 things that stood out as Garry Baldwin shared a chiropractor's perspective on healthcare: · Chiropractors have no desire to creep into the area of practice of medical doctors · 80% of Americans at age 50 have back pain · Quality healthcare starts with practitioners meeting the regulatory necessities You can connect with Garry Baldwin and the Washington State Chiropractic Association through the links below: Website: http://www.BaldwinChiropractic.com Website: https://www.chirohealth.org/ Facebook: https://www.facebook.com/BaldwinChiro Linkedin: http://linkedin.com/in/garry-w-baldwin-d-c-510b70115 To connect with the show on social media use the links below: Twitter: http://twitter.com/yourkeynoter Facebook: http://facebook.com/yourkeynoter Instagram: http://instagram.com/yourkeynoter Linkedin: http://linkedin.com/company/yourkeynoter LinkedIn: http://linkedin.com/in/imroboliver/ YouTube: https://www.youtube.com/channel/UC9ub8CjRQAmXsOEA4s9AYbw We would love to hear from you. Visit the “Contact Us” form: https://www.perspectivesonhealthcare.com/contact/ Look around the website for more Perspectives on Healthcare. Disclaimer: All opinions expressed by guests on the Perspectives on Healthcare Podcast are solely the opinion of the guest. They are not to be misconstrued as medical diagnoses or medical advice. Please consult with a licensed medical professional before attempting any of the treatments suggested.

Today's Perspective on Healthcare comes from Judy Porro. She is based in Miami Florida and provides a mobility and orientation specialist's perspective on healthcare. Her work is all about helping people with visual impairments be independent in their community. Judy is a member of the Baby Boomer Generation. Here are three things that I picked up from Judy Porro's answers to the standard Perspectives on Healthcare Podcast questions: · We can find a lot more examples of low quality healthcare than we can high quality healthcare · Healthcare needs to center on the patient · People can be very judgmental and harsh about other people's needs If you're interested in reading a transcript of the show, you can find it here: http://perspectivesonhealthcare.com/transcript-of-judy-porro-a-mobility-and-orientation-specialists-perspective-on-healthcare/ To connect with the show on social media use the links below: Twitter: http://twitter.com/yourkeynoter Facebook: http://facebook.com/yourkeynoter Instagram: http://instagram.com/yourkeynoter Linkedin: http://linkedin.com/company/yourkeynoter YouTube: https://www.youtube.com/channel/UC9ub8CjRQAmXsOEA4s9AYbw We would love to hear from you. Visit the website and use the "Contact Us" form: https://www.perspectivesonhealthcare.com/ On the website are more Perspectives on Healthcare!

Helen Andrews, senior editor at The American Conservative magazine, takes a critical look at the Baby Boomer Generation and argues that they have left subsequent generations, especially Millennials, worse off. Learn more about your ad choices. Visit megaphone.fm/adchoices