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Depression doesn't discriminate—even among the faithful. Exploring the often-taboo intersection of Christianity and depression, this episode tackles the persistent question many believers struggle with: Can a Christian experience depression?The answer is a resounding yes. Drawing from scripture, professional experience, and personal struggle, I unpack how approximately 7.6 million Christians in America silently battle depression while facing the added burden of stigma within their faith communities. This stigma creates a painful paradox where those who most need support feel unable to seek it without judgment or shame.Depression manifests across multiple dimensions of human experience. Cognitively, it creates brain fog and difficulty concentrating. Emotionally, it weighs down the spirit with persistent sadness. Behaviorally, it leads to withdrawal from activities and relationships that once brought joy. Physically, it disrupts sleep, appetite, and overall wellbeing. For Christians specifically, depression often adds a fifth dimension—spiritual struggle—where prayers feel unanswered and God's presence seems distant despite intellectual understanding of His love.As both a therapist with over 65,000 clinical hours and someone who has personally wrestled with depression, I share insights from my recently re-released book "Getting a Grip on Depression." This episode marks the beginning of a five-part series offering practical, proven tools for understanding and overcoming depression while maintaining faith. Through it all, we're reminded of the hope found in Psalm 42:11: "Why am I discouraged? Why is my heart so sad? I will put my hope in God." Even in our darkest moments, God's presence remains constant, offering the light that guides us toward healing.If you've ever felt alone in your struggle with depression as a believer, this episode affirms your experience and offers a pathway forward that honors both your faith and your need for comprehensive support. Subscribe to join me on this journey toward resilience and renewed hope.Fan Mail Text Space
"This over-developed brain wiring supercharged our interest in scarce assets and our drive to obtain them. Behaviorally, this may have amounted to making us weirdos who collected seashells, simply because we couldn't help but value their special rarity. But as we'll explore, that odd behavioral quirk may have made all the difference for our species." — Jesse Myers What if the secret to humanity's dominance wasn't intelligence or brute strength, but a weird obsession with rare objects? Today we dive into a new and wildly interesting piece from Jesse Myers' that tries to piece together evidence from pre-ancient history that may explain not only the importance of money in civilization, but that it may be more fundamental to the existence of our species than we even realize.Tune in as we dive into the evolutionary roots of money, the power of abstract thought, and what it all means for the future of value. Check out the original article: Once in a Species by Jesse Myers (Link: https://www.onceinaspecies.com/p/once-in-a-species-73b) Links Mentioned in This Episode Jesse Myers' Substack (Link: https://substack.com/@jessemyers) Nick Szabo's "Shelling Out" (Link: https://nakamotoinstitute.org/library/shelling-out/) Robin Dunbar's research on Dunbar's Number (Link: https://tinyurl.com/3d8e5fwc) "I, Pencil" (Link: https://tinyurl.com/yc2m7zmn) The Bushidoo of Bitcoin: A Code of Virtue for a World on a New Economic Standard by Aleksandar Svetski (Link: https://www.bushidoofbitcoin.com/) Why the Yuppie Elite Dismiss Bitcoin (Link: https://tinyurl.com/hx5rddy2) Host Links Guy on Nostr (Link: http://tinyurl.com/2xc96ney) Guy on X (Link: https://twitter.com/theguyswann) Guy on Instagram (Link: https://www.instagram.com/theguyswann) Guy on TikTok (Link: https://www.tiktok.com/@theguyswann) Guy on YouTube (Link: https://www.youtube.com/@theguyswann) Bitcoin Audible on X (Link: https://twitter.com/BitcoinAudible) The Guy Swann Network Broadcast Room on Keet (Link: https://tinyurl.com/3na6v839) Check out our awesome sponsors! HRF: The Human Rights Foundation is a nonpartisan, nonprofit organization that promotes and protects human rights globally, with a focus on closed societies. Subscribe to HRF's Financial Freedom Newsletter today. (Link: https://mailchi.mp/hrf.org/financial-freedom-newsletter) OFF: The Oslo Freedom Forum (OFF) is an international human rights conference series hosted and produced by the Human Rights Foundation (HRF). Bringing together the world's most engaging human rights advocates, journalists, artists, tech entrepreneurs, and world leaders, we aim to share their stories and brainstorm ways to expand freedom and unl...
In this inspiring episode of The Greenbook Podcast, host Karen Lynch is joined by Katie O'Connor, incoming SVP of Key Accounts at Behaviorally, to celebrate the 2025 Greenbook Future List honorees. Together, they explore the importance of innovation, mentorship, and visibility in shaping the future of insights.Katie reflects on her career journey, the qualities that fuel success in the research industry, and why Behaviorally chose to sponsor this year's Future List. The conversation highlights emerging leaders, powerful quotes from honorees, and how industry-wide collaboration is shaping a more inclusive and dynamic future.Key Takeaways:The Greenbook Future List honors early-career professionals driving innovation, strategy, and community impact.Behaviorally's commitment to nurturing talent and future-facing solutions.Qualities like passion, resilience, creativity, and strategic thinking are consistent markers of rising stars.Mentorship plays a critical role in personal growth and industry transformation.Supporting initiatives like the Future List is an investment in the future of insights.Resources & Links:Learn more about BehaviorallyDiscover the 2025 Greenbook Future List HonoreesExplore Greenbook Events and get involvedYou can reach out to Katie O'Connor on LinkedIn.Many thanks to Katie O'Connor for being our guest. Thanks also to our production team and our editor at Big Bad Audio.
In this episode, Michael Bonner addresses two key challenges in teaching—academic and behavioral growth. He shares three essential components: creating a positive environment, building relatable relationships, and encouraging students to embrace failure. Tune in for practical strategies to foster meaningful growth in the classroom.
The Brainy Business | Understanding the Psychology of Why People Buy | Behavioral Economics
In this episode of The Brainy Business podcast, Melina Palmer dives into the fascinating intersection of artificial intelligence and behavioral economics with Sam Albert, Chief Digital Officer at Behaviorally. Sam shares his extensive experience in the research industry and discusses the innovative work his team is doing with Flash.AI to create predictive models that help businesses increase sales and improve customer connections. Sam explains how Behaviorally leverages a rich database of system one and system two behaviors, along with advanced image recognition, to predict consumer actions and reactions. He provides valuable insights into the dynamic nature of AI models and the importance of continuously updating them to reflect real-world changes. Sam also shares compelling case studies that illustrate how Flash.AI can help businesses make informed decisions about product packaging and placement, ultimately leading to better market performance. In this episode: Discover the power of combining AI and behavioral economics to create predictive models. Learn about the dynamic nature of AI models and the importance of continuous updates. Explore compelling case studies that demonstrate the impact of Flash.AI on product packaging and placement. Understand the importance of context and nuance in evaluating consumer behavior. Gain insights into the future of AI and its role in market research and consumer behavior analysis. Show Notes: 00:00:00 - Introduction Melina Palmer introduces Sam Albert and highlights the focus of the episode on AI and behavioral economics. 00:02:45 - Sam Albert's Background Sam shares his journey from a pre-law political science major to Chief Digital Officer at Behaviorally, detailing his extensive experience in the research industry. 00:08:15 - The Evolution of Behavioral Science Sam discusses the early days of behavioral science and the innovative tools and techniques used to understand consumer behavior. 00:13:55 - Introduction to Flash.AI Sam explains how Flash.AI leverages a rich database of system one and system two behaviors, along with advanced image recognition, to predict consumer actions and reactions. 00:19:30 - The Dynamic Nature of AI Models Sam emphasizes the importance of continuously updating AI models to reflect real-world changes and ensure accurate predictions. 00:24:55 - Case Studies Sam shares compelling case studies that illustrate how Flash.AI helps businesses make informed decisions about product packaging and placement. 00:34:20 - The Future of AI in Market Research Sam discusses the future of AI and its role in market research and consumer behavior analysis, emphasizing the importance of context and nuance. 00:44:10 - AI Summary Melina wraps up the conversation, highlighting the key takeaways and encouraging listeners to explore the potential of AI in their own businesses. 00:49:35 - Conclusion What stuck with you while listening to the episode? What are you going to try? Come share it with Melina on social media -- you'll find her as @thebrainybiz everywhere and as Melina Palmer on LinkedIn. Thanks for listening. Don't forget to subscribe on Apple Podcasts or Android. If you like what you heard, please leave a review on iTunes and share what you liked about the show. I hope you love everything recommended via The Brainy Business! Everything was independently reviewed and selected by me, Melina Palmer. So you know, as an Amazon Associate I earn from qualifying purchases. That means if you decide to shop from the links on this page (via Amazon or others), The Brainy Business may collect a share of sales or other compensation. Let's connect: Melina@TheBrainyBusiness.com The Brainy Business® on Facebook The Brainy Business on Twitter The Brainy Business on Instagram The Brainy Business on LinkedIn Melina on LinkedIn The Brainy Business on Youtube Connect with Sam: LinkedIn Behaviorally Website Behaviorally on Twitter Learn and Support The Brainy Business: Check out and get your copies of Melina's Books. Get the Books Mentioned on (or related to) this Episode: The Truth About Pricing, by Melina Palmer The Power of Scarcity, by Mindy Weinstein Influence, by Robert Cialdini The Psychology of Price, by Leigh Caldwell Semiotics In Retail, by Rachel Lawes Top Recommended Next Episode: Unboxing Videos: Why Do They Work? (ep 180) Already Heard That One? Try These: Quality Vs Value (ep 357) The Truth About Pricing (ep 356) How to Stack and Bundle Products and Services (ep 84) How to raise your prices (ep 354) Pain of Paying (ep 240) Other Important Links: Brainy Bites - Melina's LinkedIn Newsletter Flash.AI Case Studies
Class-Act Coaching: A Podcast for Teachers and Instructional Coaches
Send us a textIt's every teacher's biggest challenge: How can we get these students to engage with the material? In this week's episode, SREB Coach Erin Anderson-Williams stops by the studio to teach Ashley how to better engage her students by considering their cognitive, behavioral and emotional needs. Download our handout to get an overview of the lesson. The Southern Regional Education Board is a nonprofit, nonpartisan organization that works with states and schools to improve education at every level, from early childhood through doctoral education and the workforce. Follow Us on Social: Facebook Instagram X
ANGELA'S SYMPOSIUM 📖 Academic Study on Witchcraft, Paganism, esotericism, magick and the Occult
What are the psychological underpinnings of chaos magick? This exploration is an academic endeavour to understand how Chaos Magick might resonate within broader psychological contexts. It is important to note that the connections drawn are interpretative and not necessarily indicative of the intentions or understandings of Chaos Magicians themselves. This analytical approach aims to enrich the theoretical landscape of Chaos Magick, introducing new perspectives that could deepen our comprehension and appreciation of its practices. CONNECT & SUPPORT
Summary of Astro Talk and Moon Therapy Connecting Behaviors Astro Talk is a service that provides astrological insights and guidance to individuals seeking to understand various aspects of their lives. This platform utilizes the principles of astrology, including the positions and movements of celestial bodies like planets, stars, and moons, to offer personalized advice and predictions. Users can gain insights into their personality traits, future events, relationships, career paths, and more. Moon Therapy is a subset of astrology that focuses specifically on the influence of the moon and its phases on human behavior and emotions. The moon's cycle, which includes phases like the new moon, waxing crescent, first quarter, full moon, and waning gibbous, is believed to have significant effects on our mental and emotional states. Connecting Behaviors: New Moon: This phase is associated with new beginnings and setting intentions. People might feel more motivated to start new projects, set goals, or make changes in their lives. Behaviorally, this can manifest as increased enthusiasm and a proactive approach to personal and professional endeavors. Waxing Crescent: As the moon grows, individuals may experience a growing sense of optimism and determination. This phase encourages taking the initial steps toward goals set during the new moon. Behaviors might include planning, organizing, and initiating actions. First Quarter: During this phase, challenges and obstacles might arise, testing one's commitment to their goals. It's a time for making decisions and adjustments. People might exhibit problem-solving behaviors, resilience, and adaptability. --- Send in a voice message: https://podcasters.spotify.com/pod/show/kim-warner6/message
On this episode, host Sima Vasa talks to Alex Hunt, CEO of Behaviorally, about the transformative role of technology in the market research industry and how Behaviorally leverages AI and digital tools to innovate data insights. Key Takeaways: (00:54) Technology's inevitable impact on industries. (03:16) Alex's shift to pioneering behavioral sciences. (05:36) Enhancing decision-making through packaging insights. (07:59) Digital methodologies boost efficiency and cut costs. (09:00) AI's role in improving predictive accuracy. (10:27) The importance of ethical standards during change. (13:25) Developing predictive models with feedback data. (15:20) Handling organizational resistance to change. (17:32) AI's future role in market research transformation. (19:50) Leadership aligned with technological advancements. Resources Mentioned: Behaviorally Thanks for listening to the Data Gurus podcast, brought to you by Infinity Squared. If you enjoyed this episode, please leave a 5-star review to help get the word out about the show, and be sure to subscribe so you never miss another insightful conversation. #Analytics #MA #Data #Strategy #Innovation #Acquisitions #MRX #Restech
Welcome back to Intellicast! On today's episode, Brian Peterson is joined by Alex Hunt, the CEO of Behaviorally, to discuss the evolution of Behaviorally as well as the evolution in the market research industry as a whole. Kicking off the episode, Alex delves into how he got into market research. As you may suspect, it was an industry Alex kind of fell into. Alex then gets into some of his early journey within market research and how it led him to Behaviorally. Brian and Alex then discuss Behaviorally's evolution over the last six years since Alex joined the organization. He details how Behaviorally adopted a digital-first approach that has reshaped their operations, including helping productize their offerings. This clearly determined product stack is integral to their operations. Overall, Alex's strategic moves have streamlined processes and enhanced the company's ability to leverage behavioral data sets effectively. Alex also gives some advice around implementing the changes Behaviorally underwent. One of the most exciting prospects Alex discussed was the potential for AI to revolutionize market research. He talks about how Behaviorally has integrated AI into their offerings. He also shared his insights on how AI could evolve the way research is conducted, offering unprecedented efficiency and depth of analysis. As you listen, you'll hear Alex's passion for this topic. In the second half of the interview, Brian switches gears with Alex and brings back the 4 P's. Alex shared the personal elements that have contributed to his success. He spoke about the joy he finds in his work and the sense of purpose that fuels his daily efforts. Brian also learned about how Alex balances his personal and professional life, including the activities he does with his family in different seasons and the activities he commits time to for himself. This is a great conversation with one of the leaders in the industry! Thanks for tuning in. You can connect with Alex on LinkedIn here. To learn more about Behaviorally, visit their website at https://www.behaviorally.com/ We have just released the 2024 edition of our annual report on the online sample industry, The Sample Landscape. To stay ahead of the curve of what's going on in the online sample industry, be sure to download your copy now. Download Here: www.emi-rs.com/the-sample-landscape/ Did you miss one of our webinars or want to download some of our whitepapers and reports? You can find everything on our Resources page on our website here. Learn more about your ad choices. Visit megaphone.fm/adchoices
Welcome to The Nonlinear Library, where we use Text-to-Speech software to convert the best writing from the Rationalist and EA communities into audio. This is: Discriminating Behaviorally Identical Classifiers: a model problem for applying interpretability to scalable oversight, published by Sam Marks on April 18, 2024 on The AI Alignment Forum. In a new preprint, Sparse Feature Circuits: Discovering and Editing Interpretable Causal Graphs in Language Models, my coauthors and I introduce a technique, Sparse Human-Interpretable Feature Trimming (SHIFT), which I think is the strongest proof-of-concept yet for applying AI interpretability to existential risk reduction.[1] In this post, I will explain how SHIFT fits into a broader agenda for what I call cognition-based oversight. In brief, cognition-based oversight aims to evaluate models according to whether they're performing intended cognition, instead of whether they have intended input/output behavior. In the rest of this post I will: Articulate a class of approaches to scalable oversight I call cognition-based oversight. Narrow in on a model problem in cognition-based oversight called Discriminating Behaviorally Identical Classifiers (DBIC). DBIC is formulated to be a concrete problem which I think captures most of the technical difficulty in cognition-based oversight. Explain SHIFT, the technique we introduce for DBIC. Discuss challenges and future directions, including concrete recommendations for two ways to make progress on DBIC. Overall, I think that making progress on DBIC is tractable with current interpretability techniques, and I'd be excited to see more work on it. Cognition-based oversight In this section, I describe a class of approaches to scalable oversight I call cognition-based oversight. First, I review a simplified formulation of scalable oversight: discriminating good vs. bad models. Then I impose a pessimistic assumption - that the good and bad models cannot be discriminated behaviorally - and propose cognition-based oversight as a potential remedy. Discriminating models: a simplification of scalable oversight In an ideal world, we could argue that AI systems will be safe by default as follows: We train AI systems to receive high scores according to some scoring function. The models that get the highest scores are all good models that robustly behave as desired. Therefore, we have strong a priori reason to expect our training processes to result in good models. Sadly, in the real world, the "scoring functions" we actually use tend to be shaped like "human evaluator approval." And "human evaluator approval" does not enjoy the property that "the models which humans evaluate most positively all robustly behave as desired." Two salient counterexamples:[2] Sycophantic reward hackers take actions that look good to the overseer, even when this conflicts with doing what the overseer actually wants. For example, suppose we deploy an AI smart vault to keep a diamond safe, as judged by whether the diamond continues to appear on the vault camera; instead of trying to prevent diamond theft, a sycophantic reward hacker might instead cover diamond theft up by tampering with the vault camera. Situationally-aware schemers behave well only when they think bad behavior would be caught. For example, a scheming code generation model might write vulnerability-free code only when it expects the code to be closely audited, but otherwise insert subtle backdoors. The models in these examples score highly according to human evaluator approval, so we can't use the argument above that they are unlikely to arise from training. We instead need to rely on arguments that these models are unlikely to arise despite scoring at least as well as good models. So far, I think these arguments are far from airtight, and I feel nervous about relying on them. Said differently, a core problem in technical AI safety is that it can be generally hard to discriminate good models that robustly do stuf...
Professor Eric Schrimshaw has conducted extensive research on a variety of topics related to the LGBTQ+ population, including HIV prevention and treatment, the use of pornography by gay and bisexual men, men involved in sex work online, and most recently, on behaviorally bisexual men, a topic we discussed in this Smart Sex, Smart Love podcast. In this particular study, the research team focused on men who identify themselves socially as heterosexual, but they reported in the study that they are having sex with men and women, including their wives and girlfriends who do not know they are having sex with men. These behaviorally bisexual closeted men have made a conscious decision not to disclose. Listen to my podcast to learn more about behaviorally bisexual men and how their secret can affect them.
The Brainy Business | Understanding the Psychology of Why People Buy | Behavioral Economics
In this episode of The Brainy Business podcast, you'll hear an insightful conversation between host Melina Palmer and guests Jo Evershed and Gareth Harvey. Jo and Gareth discuss the power of behavioral data in personalizing shopping experiences and nudging consumers towards more desirable choices. The conversation also delves into the impact of default options and the potential for personalization in branding. Overall, this episode highlights the potential of data-driven personalization in improving shopping experiences and pricing strategies. Whether you're an online retailer or marketer, this episode provides valuable insights on how to engage customers and increase conversions through personalized nudges. In this episode, you will: Maximize your online sales with behavioral data insights. Boost customer engagement with personalized nudges and recommendations. Increase conversions by leveraging data-driven decision-making in pricing strategies. Improve the shopping experience by understanding consumer behavior in supermarkets. Optimize your online grocery store for success with insights into online shopping trends. Discover the impact of book jacket colors on consumer purchasing decisions. Uncover the secrets to driving sales through data-driven pricing experiments. Show Notes: 00:00:00 - Introduction, Melina introduces the guests, Jo Evershed and Gareth Harvey, and discusses their work in behavioral science and consumer psychology. 00:04:34 - Gorilla Experiment Builder and Consumer Psychology Jo explains the purpose of Gorilla Experiment Builder, a platform for running behavioral research online. Gareth discusses his background in consumer psychology and how he applies academic research in the commercial sector. 00:07:07 - Applying Behavioral Insights in Grocery Stores Gareth shares his experience in designing supermarket layouts and how psychological principles can be applied to improve marketing strategies. He discusses the importance of finding the right stimuli and placement to influence consumer behavior. 00:09:40 - The Impact of Smell in Retail Gareth explains the effectiveness of using scents like chocolate in retail environments. He highlights the importance of placing the scent in the right location to maximize its impact on consumer behavior. 00:11:48 - The Truth About Pricing Melina mentions her upcoming book, The Truth About Pricing, and discusses an experiment she conducted with Jo and Gareth for the book. The experiment involved testing different pricing strategies during the COVID-19 pandemic. 00:14:21 - The Psychology of Supermarket Aisles The group discusses the importance of positioning items in supermarket aisles to encourage impulse buys and prolong shopping trips. They explain the strategy of making customers far enough in the aisle to see the next one and entice them to continue walking and making more purchases. 00:15:40 - Changes in Supermarket Design The group mentions how supermarkets are adapting their store layouts to cater to different types of shoppers, such as grab-and-go shoppers and those doing big stock-up shops. They discuss the need to avoid antagonizing shoppers and the potential for redesigning stores to meet changing shopping habits. 00:16:39 - Online Shopping and Impulse Buys The group explains how supermarket apps can still encourage impulse purchases and replicate the in-store experience. They mention the use of personalized advertisements and offers based on past purchases. Additionally, they discuss the importance of optimizing product images and descriptions for online shoppers. 00:18:20 - Nudging Towards Healthier Choices The group introduces the concept of "swaps" in online supermarkets, where healthier alternatives are offered as substitutes for less nutritious products. They discuss the potential for making small nudges towards healthier options and the role of personalized recommendations in influencing consumer choices. 00:20:12 - Challenges in Online Product Display The group highlights the challenges of displaying products effectively in online supermarkets. They explain how industry guidelines and mobile optimization constraints limit the amount of information and advertising that can be displayed. 00:27:42 - The Difficulty of Finding Gluten-Free Options Melina discusses the challenges of finding gluten-free options due to having celiac disease. They mention how it would be helpful if stores and online supermarkets could offer personalized recommendations based on dietary restrictions. 00:29:20 - Opting Out of Irrelevant Advertisements The group suggests that online supermarkets should have an option for users to opt out of seeing certain products, such as gluten-containing items. This would save time for both the consumer and the store, and provide valuable data for the store to make better recommendations. 00:30:05 - Data Privacy and Opt-In Options The group acknowledges the need for careful handling of shopper data and the importance of opt-in options. They discuss how consumers may feel nervous about having their data collected but might be more willing if they have control over what data is used and how it benefits them. 00:31:46 - Nudging Consumers Towards Healthier Choices The group discusses an example of a study where labels on Coca Cola products were used to nudge consumers towards healthier options. They highlight the potential for supermarkets to use data to help shoppers make better choices and become the best version of themselves. 00:35:11 - Default Options and Personalized Recommendations The conversation explores the idea of default options and personalized recommendations within online supermarkets. By offering healthier alternatives and giving shoppers the ability to customize their default options, retailers can support customers in making better choices. 00:41:22 - Setting up the Experiment Melina and her team created an online shop to test different book covers and their impact on sales. They ran a four-way between-subject experiment, including a control condition without Melina's books. They gathered data from participants, including Melina's audience and small business owners recruited through Prolific. 00:43:26 - Behavioral Decision Making Gareth explains that visual saliency is crucial in decision making, both in physical stores and online. People tend to go with what catches their attention immediately. Online shoppers spend only a few seconds reviewing multiple products. The study aimed to understand how people's decisions differ when seeing a book cover on a shelf versus in isolation. 00:44:37 - Challenges and Solutions The initial data showed a strong preference for the red book cover, but Melina and her team suspected it was due to the small sample size. To overcome this, they collaborated with Prolific to collect data from a larger and more diverse group. The final results revealed that the green book cover performed the best, aligning with both the behavioral and focus group data. 00:48:00 - Importance of Data and Uncertainty Melina values running experiments to gather data and validate her assumptions. Despite feeling uncertain about the outcomes, she is willing to follow what the data suggests. The study helped her understand that the green book cover performed well within her audience, but not necessarily among those interested in pricing books for businesses. 00:55:37 - Importance of Openness and Learning Being open to different outcomes and learning from the results is crucial. The Amazon description and keywords play a significant role, and testing and optimizing them is essential. Feedback and participation from hundreds of people have been valuable. 00:57:17 - Conclusion, Melina's top insights from the conversation. What stuck with you while listening to the episode? What are you going to try? Come share it with Melina on social media -- you'll find her as @thebrainybiz everywhere and as Melina Palmer on LinkedIn. Thanks for listening. Don't forget to subscribe on Apple Podcasts or Android. If you like what you heard, please leave a review on iTunes and share what you liked about the show. I hope you love everything recommended via The Brainy Business! Everything was independently reviewed and selected by me, Melina Palmer. So you know, as an Amazon Associate I earn from qualifying purchases. That means if you decide to shop from the links on this page (via Amazon or others), The Brainy Business may collect a share of sales or other compensation. Let's connect: Melina@TheBrainyBusiness.com The Brainy Business® on Facebook The Brainy Business on Twitter The Brainy Business on Instagram The Brainy Business on LinkedIn Melina on LinkedIn The Brainy Business on Youtube Connect with Jo and Gareth: Jo Evershed Twitter Gareth Harvey LinkedIn Jo Evershed LinkedIn Learn and Support The Brainy Business: Check out and get your copies of Melina's Books. Get the Books Mentioned on (or related to) this Episode: The Truth About Pricing, Melina Palmer What Your Customer Wants and Can't Tell You, Melina Palmer Designing for Behavior Change, Stephen Wendel Engaged, Amy Bucher What Your Employees Need and Can't Tell You, Melina Palmer Top Recommended Next Episode: The Truth About Pairing (ep 5) Already Heard That One? Try These: iMotions (ep 352) Jez Ripple (ep 131) Mars and KIND Project (ep 215) Dilip Soman Interview (ep 241) Behaviorally (ep 166) Michelle Niedziela Interview (ep 168) CloudArmy Interview (ep 183) Sense of Smell (ep 298) Anchoring (ep 11) Meet GAABS (ep 121) Other Important Links: Brainy Bites - Melina's LinkedIn Newsletter Decide's website Prolific's website Gorilla's website
Super agers—from their cellular makeup to their daily habits and states of mind—are living studies in what it takes to live longer and healthier. Biologically, they preserve better gray matter volume in their brains. Behaviorally, they tend to exercise, eat well, and avoid smoking and drinking to excess. But what, at a deeper level, defines the formula for living the longest life possible? Dr. Dayan Goodenowe identifies how we adapt to our changing environments—from the cellular to the behavioral level—as the prime determinant of how well we age. Dr. Goodenowe has spent decades researching the biochemistry of neurological disorders, including Alzheimer's disease, ALS, and autism. How well we adapt, he says, comes down to the interplay between our purpose and our function. And this dynamic is inherent at all levels of our being. For example, at the societal level, a person adapts the teaching skills required to fulfill the purpose of being a teacher; at the cellular level, a cell adapts the motor-neuron function required to fulfill the purpose of moving our feet. However, in the example of motor-neuron disease (amyotrophic lateral sclerosis—ALS) this interplay is compromised by a lack of “raw material” to maintain the function of foot movement. The “raw materials” are the requisite nutrients, says Dr. Goodenowe. As such, restoring function to patients suffering from or at risk of developing ALS, Alzheimer's disease, and other neurological disorders is a matter of supplying the materials—in the form of targeted nutrition—that are needed. On Vital Signs with Brendon Fallon, Dr. Goodenowe reveals changes in his own brain over 18 months of targeted nutrition—changes that challenge the idea that brain health and function are destined to decline with age. ⭕️ Watch in-depth videos based on Truth & Tradition at Epoch TV
In this episode of Our Best Behavior, Behaviorally's Ethel Klein (Director, Customer Success) and Ian Donahue (VP, Customer Success) joined us to discuss AI applications within our industry, Behaviorally's recent AI events, and what lies ahead. Key themes included current industry perceptions of AI, specific instances where AI has added significant value to clients, experiences from attending AI-focused events hosted by Behaviorally, and predictions about the long-term impact of AI on the industry. Matt Salem (Senior Vice President, Customer Success) hosts The Our Best Behavior Podcast. Read more on the Behaviorally Blog (behaviorally.com/blog/)
In this episode of Our Best Behavior, Behaviorally's Sara Martone (Director, Behavioral Qualitative) and Jake Ryan (Insights Associate) join us to discuss different AI tools and their potential impact on qualitative research. Key themes included personal and professional applications of AI, forward-looking insights into its potential impact on the realm of qualitative research, considerations of its limitations and associated risks, and a comprehensive exploration of the opportunities and challenges that await in this evolving landscape. Matt Salem (Senior Vice President, Customer Success) hosts The Our Best Behavior Podcast. Read more on the Behaviorally Blog (behaviorally.com/blog/)
John C. Maxwell famously said, “If you're proactive, you focus on preparing. If you're reactive, you end up focusing on repairing.” True dat. In this episode of Ponderings from the Perch, our CEO, Priscilla McKinney and Tony D'Amato, a dedicated leader with over 20 years of marketing experience, discuss challenges and opportunities in the marketing ecosystem – from brand awareness to digital transformation. Tony emphasizes the importance of understanding and valuing the customer experience, which he has plenty of experience with! As the Senior Manager of Experiential Marketing and Public Relations at 3M, he spent 21 years living and breathing all things CX in the automotive appearance industry. Now leading his own consulting firm, this expertise can guide brands looking for a deep connection to their customers. He enters into conversations daily where companies have reached a point of reassessing marketing strategies neglected during high-growth phases. These issues can range from underinvestment in marketing to a lack of clear marketing plans. He knows from experience that a well-thought-out marketing plan aligns with the company's objectives and is built with sustainability in mind. “It has to be sustainable, or else what we do is for nothing.” - Tony D'Amato Ready to fall in love with your own brand and help your customers do the same? Listen to gain a fresh perspective on strategic guidance and sustainable marketing plans. SPONSORS As the Transaction Experts, Behaviorally brings decades of global experience and category expertise in consumer marketing insights. They use a unique behavioral framework, cutting-edge AI technology and a digital-first approach to help brands achieve the most valuable moment in marketing. Listen to their award-winning podcast, Our Best Behavior, where they discuss how to achieve the biggest impact in marketing after a purchase is made. Find out more at www.behaviorally.com. Want to know the real intentions of survey-takers? Join CloudResearch on October 12th for their upcoming presentation, "A Deeper Dive Inside the Click Farm: What 'LIES' Behind Your Data PART II." Following their groundbreaking webinar on survey fraud, CloudResearch returns to reveal the hidden truths behind survey-taker motivations and address the presence of fraudulent participants, inattentive responders, and bots. Gain insights into the latest findings and discover new strategies to combat fraud in the market research industry. Register now at SurveyFraud.com for this invaluable event, which also includes free access to the Fraud Detection Tool to quantify fraud in your surveys. Don't miss out on securing trust in your data!
In this episode of Our Best Behavior, Behaviorally's Adrian Sanger (VP, AI Solutions) joins us to discuss the impact AI has had on the insights industry thus far and what the future could potentially hold. Key themes included how AI and machine learning techniques are being used to enhance the process of data visualization and storytelling, potential risks and benefits of using AI-generated insights in strategic decision-making processes for businesses and organizations, recent discussions at Behaviorally's global AI events, and more. Matt Salem (Senior Vice President, Customer Success) hosts The Our Best Behavior Podcast. Read more on the Behaviorally Blog (behaviorally.com/blog/)
In this episode of Our Best Behavior, Ari Popper (Founder & CEO, SciFutures) joins us to discuss AI and its impact on personalized experiences and competitive advantages in a data-driven landscape. Key themes included Behaviorally's recent global AI event series, the upcoming role of AI agents in the insights industry, and how artificial intelligence can enhance the accuracy and reliability of predictive analytics in the insights industry, both now and in the future. Matt Salem (Senior Vice President, Customer Success) hosts The Our Best Behavior Podcast. Read more on the Behaviorally Blog (behaviorally.com/blog/)
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FULL VIDEO NOW HERE:Candle or Lantern Access include full video.https://www.aurielslight.org/storeMelisa Nielsen from Waldorf Essentials and Ms. Tiffany from Seasons of Seven share helpful information for your Waldorf Grade 2 student. Learn more about Ms. Tiffany and Grade 2 at https://www.seasonsofseven.com/ Waldorf Grade 2 is for the child that is 7.5 turning 8 year old child. This child has the foundation of letters, four processes and knows the process of main lesson time. Bridging into learning and doing more. Some are reading and some are stumbling into it. There's a desire to learn to read. It's totally ok if they haven't mastered reading yet. The gift of second grade, the bloom of reading opening. Behaviorally: hungriness to learn. Why am I learning this? Behavior shift from the beginning of second grade to the end. We expect a little more from them. The 9 year change can begin at the end of second grade. Curriculum, most important part about the literature. Fables, nature stories, and Saint stories. Fables differ from fairy tales. We never give them the moral of the story. We let them hear and feel it. Fables have the trickster. Have the homeschool and peaceful foundation of your dreams. https://www.waldorfessentials.com/ Instagram: https://www.instagram.com/waldorf_essentials/ Facebook: https://www.facebook.com/WaldorfEssentials/ Pinterest: https://www.pinterest.com/waldorfessentials/_created/Twitter: https://twitter.com/WaldorfMelisa
In this episode of Our Best Behavior, Adrian Sanger (VP, AI Solutions, eFluence by Behaviorally) joins us to discuss the bonus chapter, “What about eCommerce?” in our complimentary e-book, “The Power of Packaging to Drive Shopper Growth” that compiles over 50 years of best practice learnings into an inspirational and practical guide on creating effective pack designs. Matt Salem (Senior Vice President, Customer Success) hosts The Our Best Behavior Podcast. Read more on the Behaviorally Blog (behaviorally.com/blog/)
Adam Robinson is the founder and CEO of Retention.com. Prior to this, Adam was a credit default swap trader at Lehman Brothers. After being inspired by his roommates who founded Vimeo, Adam transitioned into the tech industry and built an email newsletter app. Despite being up against dominant competitors like Mailchimp and Klayvio, Adam developed an identity resolution platform which allowed him to de-anonymize anonymous users on a website and deliver a deliverable email address. Essentially allowing brands to use this data to drive huge amounts of revenue. You'll learn these three things and more: How to impliment Behaviorally Driven Flows in KlayvioHow to increase revenue with your existing flows And exactly how you can use it for your store (So good that I thought it was illegal) Find out more here at Retention.comBitBrandingIf you're an online store owner who wants to know the 5 keys to successfully growing and scaling your business, we created a free 15-minute training where you can get instant access. Get it hereSubscribe to our YouTube channel where we put out new videos 2x per week here
As financial professionals, we're often asked one simple question: “do you know what I should buy right now?” In truth, we don't believe it's possible to successfully predict market behaviors most of the time. But, we do believe that a qualified financial advisor can help you devise a plan for long-term success. In this episode of Unfiltered Finance, our own Tom Romano, Head of Strategic Relationships and Product Development, is joined by Symmetry's Michael Storer, Senior Regional Director, and a financial advisor from our sister firm, Apella Wealth, Peter Leppones, CFP®, to answer a more important question: “what should you consider when choosing a financial advisor?” If you have any questions or would like more information, reach out to us at https://symmetrypartners.com/contact-us/ You can also find us on Facebook, YouTube, Twitter, and LinkedIn. As always, we remain invested in your goals. Symmetry Partners, LLC, is an investment advisory firm registered with the Securities and Exchange Commission. The firm only transacts business in states where it is properly registered, excluded or exempted from registration requirements. Registration of an investment adviser does not imply any specific level of skill or training and does not constitute an endorsement of the firm by the Commission. No one should assume that future performance of any specific investment, investment strategy, product or non-investment related content made reference to directly or indirectly in this material will be profitable. As with any investment strategy, there is the possibility of profitability as well as loss. Due to various factors, including changing market conditions and/or applicable laws, the content may not be reflective of current opinions or positions. Please note the material is provided for educational and background use only. Moreover, you should not assume that any discussion or information contained in this material serves as the receipt of, or as a substitute for, personalized investment advice. Transcript: 00:00:01.900 --> 00:00:07.400 Hello and 1 00:00:07.400 --> 00:00:10.700 welcome to unfiltered Finance. I'm your host Tom romano. 2 00:00:10.700 --> 00:00:13.300 And thank you for joining us this episode today. We 3 00:00:13.300 --> 00:00:17.000 are talking about choosing the right financial advisor and 4 00:00:16.200 --> 00:00:19.400 I have the perfect guests for this topic 5 00:00:19.400 --> 00:00:22.300 joining us here today first and foremost Mike 6 00:00:22.300 --> 00:00:25.600 store who is a senior Regional director 7 00:00:25.600 --> 00:00:28.100 at symmetry Partners. I asked Mike to be 8 00:00:28.100 --> 00:00:31.700 on the podcast because he works with thousands of financial advisors across 9 00:00:31.700 --> 00:00:34.200 the country. He knows which ones 10 00:00:34.200 --> 00:00:37.200 are doing the appropriate job and due diligence and 11 00:00:37.200 --> 00:00:41.200 planning for their clients and the others who might be dare. I 12 00:00:41.200 --> 00:00:44.500 say fake it Mike faking it and of 13 00:00:44.500 --> 00:00:47.800 course a long time friend of mine Mr. Peter loponis 14 00:00:47.800 --> 00:00:50.900 who's a certified financial planner and financial advisor 15 00:00:50.900 --> 00:00:53.100 with Apollo wealth and happens to be 16 00:00:53.100 --> 00:00:56.200 my personal financial planner. So gentlemen, thank you both for joining 17 00:00:56.200 --> 00:00:59.600 us here today. You're welcome, Tom. Thanks Tom. Great to be here. I thought 18 00:00:59.600 --> 00:01:01.600 this was appropriate topic for us to discuss. 19 00:01:01.900 --> 00:01:04.500 you know coming out of the pandemic I travel a 20 00:01:04.500 --> 00:01:07.400 lot for business and I've been on many planes 21 00:01:07.400 --> 00:01:10.400 over the last few months and you know, whether it's an 22 00:01:10.400 --> 00:01:11.100 airport or 23 00:01:12.400 --> 00:01:16.200 Are sitting next to someone on a plane and just bring 24 00:01:15.200 --> 00:01:19.000 up some small talk and people understand 25 00:01:18.300 --> 00:01:21.300 that I'm working in the financial services a business. 26 00:01:21.300 --> 00:01:25.000 And the first question. I always get is got any 27 00:01:24.200 --> 00:01:27.300 tips. What should I be buying? What 28 00:01:27.300 --> 00:01:31.000 should I be selling? Right? It's a very common question and for 29 00:01:30.300 --> 00:01:33.100 years, my response has always been and I'm 30 00:01:33.100 --> 00:01:36.400 a firm believer of this is the best advice I can give anyone in 31 00:01:36.400 --> 00:01:39.300 that moment is to work with 32 00:01:39.300 --> 00:01:42.300 someone you trust financial planner financial 33 00:01:42.300 --> 00:01:46.300 advisor that's working in a fiduciary capacity. I 34 00:01:45.300 --> 00:01:48.300 have a number of reasons why I say that but 35 00:01:48.300 --> 00:01:51.700 Mike I'd love to hear it from your perspective. Why should 36 00:01:51.700 --> 00:01:54.300 investors people planning for 37 00:01:54.300 --> 00:01:57.300 retirement or for any other Financial need be working 38 00:01:57.300 --> 00:02:00.100 with a financial professional? That's a great question. 39 00:02:00.100 --> 00:02:03.100 I think you hit on it at the in your opening 40 00:02:03.100 --> 00:02:04.100 remarks Tom is that 41 00:02:04.900 --> 00:02:05.200 You know. 42 00:02:06.300 --> 00:02:09.300 Having traveled the country for many 43 00:02:09.300 --> 00:02:14.300 years working with a number of different types of advisors and meeting 44 00:02:13.300 --> 00:02:16.900 with clients at the same time, you know clients have 45 00:02:16.900 --> 00:02:19.200 different desperate needs in terms of when it 46 00:02:19.200 --> 00:02:22.100 comes to financial Financial advice so they can 47 00:02:22.100 --> 00:02:25.100 certainly learn about it on on a website if they 48 00:02:25.100 --> 00:02:28.500 want to but I found that especially the 49 00:02:28.500 --> 00:02:31.900 best advisors are working working with 50 00:02:31.900 --> 00:02:34.400 clients and from that 51 00:02:34.400 --> 00:02:36.300 perspective. I know who these advisors are. 52 00:02:37.300 --> 00:02:40.500 And I know they're doing a great job for their clients. And for me, 53 00:02:40.500 --> 00:02:43.400 the one thing that comes to mind besides everything 54 00:02:43.400 --> 00:02:46.100 else at a financial advisor does because I think about it in 55 00:02:46.100 --> 00:02:49.600 my own world is comfort and peace of mind, right? There's lots 56 00:02:49.600 --> 00:02:51.400 of different moving Parts when it comes to planning. 57 00:02:52.200 --> 00:02:55.500 And and what you're going to do with your money for the long term and even myself 58 00:02:55.500 --> 00:02:58.200 being in this business, I worry about am I making 59 00:02:58.200 --> 00:03:01.900 the right decisions? So I think a lot of it comes down 60 00:03:01.900 --> 00:03:05.400 to peace of mind and comfort. I think that that's high 61 00:03:04.400 --> 00:03:07.300 level. There's a lot of you can drill down from there 62 00:03:07.300 --> 00:03:10.900 but I think for most clients if you think about it, it's getting that 63 00:03:10.900 --> 00:03:13.400 pressure off of you and bringing a 64 00:03:13.400 --> 00:03:16.500 professional and to make sure that you're meeting your life goals, whatever those might 65 00:03:16.500 --> 00:03:19.400 be sure. No, absolutely. I think what I'm hearing you say, I 66 00:03:19.400 --> 00:03:23.100 hear things like planning and long-term and Peter 67 00:03:22.100 --> 00:03:25.700 I'll shift over to you. So 68 00:03:25.700 --> 00:03:28.400 what I'm hearing Mike say and I loved for you to plan 69 00:03:28.400 --> 00:03:31.400 on this when someone asks me got any tips, 70 00:03:31.400 --> 00:03:32.700 why is that the wrong question? 71 00:03:34.600 --> 00:03:35.200 well, I think 72 00:03:36.700 --> 00:03:39.500 the answer they're looking for everyone wants something 73 00:03:39.500 --> 00:03:42.600 that's exciting and and sexy that 74 00:03:42.600 --> 00:03:43.200 they can tell. 75 00:03:44.400 --> 00:03:47.500 Their friends. I think you've used the term water cooler alpha or 76 00:03:47.500 --> 00:03:50.900 Golf Course Alpha everyone thinks somehow because we're 77 00:03:50.900 --> 00:03:53.600 sitting here on the inside. We're insiders. We've 78 00:03:53.600 --> 00:03:56.600 got more information than than they do 79 00:03:56.600 --> 00:03:59.300 as as retail investors, but 80 00:03:59.300 --> 00:04:02.600 that's just not the case and and it's not about 81 00:04:02.600 --> 00:04:05.200 hitting that home run with the stock because 82 00:04:05.200 --> 00:04:08.500 if you're gonna be picking individual stocks, there's gonna 83 00:04:08.500 --> 00:04:11.300 be some home runs in there, but there's got to be some singles and 84 00:04:11.300 --> 00:04:14.500 doubles there's gonna be some losers too. It just 85 00:04:14.500 --> 00:04:18.000 it's gonna happen statistically, but when 86 00:04:17.100 --> 00:04:20.600 we talk about a plan and what 87 00:04:20.600 --> 00:04:23.700 it can do for you long term the sense of confidence 88 00:04:23.700 --> 00:04:26.300 that it's going to give you. That's what you really need. Hey, it's 89 00:04:26.300 --> 00:04:29.300 great to be able to say Jesus I bought in at this stock when when it 90 00:04:29.300 --> 00:04:32.500 was at 10 and it went to a hundred and in two years. It's a 91 00:04:32.500 --> 00:04:33.700 great story, but 92 00:04:35.200 --> 00:04:38.500 Is better to have a sense of confidence and comfort with your 93 00:04:38.500 --> 00:04:41.200 plan and with your financial outcomes, and that's why 94 00:04:41.200 --> 00:04:44.500 sitting down and taking the time to go through a plan with a 95 00:04:44.500 --> 00:04:47.100 cfp with someone who's a fiduciary is really in your 96 00:04:47.100 --> 00:04:50.400 best interest versus getting that that hot stock tip. 97 00:04:50.400 --> 00:04:53.100 Yeah, I would agree. The one thing that 98 00:04:53.100 --> 00:04:56.200 I always comes to mind when someone says got any tips the first 99 00:04:56.200 --> 00:04:59.700 thing I'm thinking well if I had some I wouldn't tell you I'd keep 100 00:04:59.700 --> 00:05:02.300 it all for myself, right? There's wildly more Capital 101 00:05:02.300 --> 00:05:06.600 to be to be earned when you keep those secrets to yourself right quick 102 00:05:05.600 --> 00:05:08.100 short story. Tom and 103 00:05:08.100 --> 00:05:11.400 Peter. My son is out in gainfully employed 104 00:05:11.400 --> 00:05:14.600 in the Working World now and he has a little bit of money and he 105 00:05:14.600 --> 00:05:17.700 asked me about a year ago a year and a half ago to Dad what 106 00:05:17.700 --> 00:05:20.700 stocks should I pick? And so I immediately opened 107 00:05:20.700 --> 00:05:24.300 up the Barron's journal and 108 00:05:24.300 --> 00:05:27.200 I just looked at the stocks to pick now I said, hey, you 109 00:05:27.200 --> 00:05:30.100 know, if you want to buy some technology, here's a bunch of Technology names. I said, 110 00:05:30.100 --> 00:05:33.400 you know, the market has been involved, but if you want to buy stocks, here's a 111 00:05:33.400 --> 00:05:34.800 couple of names that you can just 112 00:05:35.300 --> 00:05:39.500 Your portfolio. So of course he did that on my advice and 113 00:05:38.500 --> 00:05:41.300 then about a year later. He 114 00:05:41.300 --> 00:05:44.400 was blaming me because I'm the one that picked the stocks from in the 115 00:05:44.400 --> 00:05:45.000 stocks were Downs. 116 00:05:45.800 --> 00:05:48.600 I just thought that was kind of interesting because it I did 117 00:05:48.600 --> 00:05:51.400 exactly the opposite of what I should have said to him right in terms 118 00:05:51.400 --> 00:05:54.400 of how we should be approaching these but you know, this was play 119 00:05:54.400 --> 00:05:57.500 money for him. So I let him learn a little bit about what it 120 00:05:57.500 --> 00:06:00.300 really means to invest in those types of questions of the wrong questions, 121 00:06:00.300 --> 00:06:03.000 right as you just mentioned Peter and so I thought it was 122 00:06:03.200 --> 00:06:06.400 a really good it was a it was a learning moment for him to understand that 123 00:06:06.400 --> 00:06:09.700 you don't just pick stocks and they go up. Oh, absolutely and like 124 00:06:09.700 --> 00:06:13.000 I I actually I do that with with clients. I'll 125 00:06:12.200 --> 00:06:13.600 say to them. 126 00:06:14.600 --> 00:06:17.100 If you want to open up a small account and I 127 00:06:17.100 --> 00:06:20.000 use the term your Casino money. Hey, you got to go to 128 00:06:20.100 --> 00:06:23.300 the casino and sit there and maybe go out to dinner have a drink play the 129 00:06:23.300 --> 00:06:26.500 slot sit at a table if you lose a hundred or 200 130 00:06:26.500 --> 00:06:27.100 or $300. 131 00:06:28.500 --> 00:06:30.300 It was a night of entertainment you had a good time. 132 00:06:31.300 --> 00:06:34.600 I see take your Casino money and put it into an account and 133 00:06:34.600 --> 00:06:37.300 buy a couple of stocks and just it's it's 134 00:06:37.300 --> 00:06:40.400 good education for you. You might learn some valuable 135 00:06:40.400 --> 00:06:43.900 lessons, but you're gonna pay really close attention. Even 136 00:06:43.900 --> 00:06:46.200 if it's only five or 10 shares of a 137 00:06:46.200 --> 00:06:49.200 company and you'll you'll learn a lot for it. So I think there is certainly a 138 00:06:49.200 --> 00:06:52.900 value in that but with large sums of Money Retirement accounts 139 00:06:52.900 --> 00:06:55.400 brokerage accounts. Absolutely not none of 140 00:06:55.400 --> 00:06:58.700 this stock picking. It's got to be a low cost. Well Diversified portfolio. 141 00:06:58.700 --> 00:07:01.100 So I'm hearing you say it's okay to sit in a 142 00:07:01.100 --> 00:07:01.300 little bit. 143 00:07:02.300 --> 00:07:05.800 Any bit tiny bit? Absolutely. No, I didn't. You 144 00:07:05.800 --> 00:07:08.300 know, I like to play the market myself, but I'm only doing 145 00:07:08.300 --> 00:07:11.500 that with my my entertainment dollars not my 146 00:07:11.500 --> 00:07:14.500 long-term assets that that my family 147 00:07:14.500 --> 00:07:18.100 and I are going to need at some point in time. Right? So Peter 148 00:07:17.100 --> 00:07:20.400 you've been talking a lot about planning right and and 149 00:07:20.400 --> 00:07:23.200 I've been in this business for a long time as with you 150 00:07:23.200 --> 00:07:27.500 you and I've worked together for many many years. I've noticed 151 00:07:26.500 --> 00:07:29.800 the value proposition of financial advisor 152 00:07:29.800 --> 00:07:32.300 has changed right at one point. It was that 153 00:07:32.300 --> 00:07:36.200 stock picker many many years ago. So this 154 00:07:35.200 --> 00:07:38.400 day and age what what do 155 00:07:38.400 --> 00:07:41.500 you see as the value proposition to a financial advisor? 156 00:07:42.200 --> 00:07:46.000 In my opinion, it has to be the plan because that's 157 00:07:45.300 --> 00:07:48.500 where we've had success as a firm. I've 158 00:07:48.500 --> 00:07:51.300 had success as an advisor clients have had success 159 00:07:51.300 --> 00:07:54.700 following that advice and and really 160 00:07:54.700 --> 00:07:57.100 it's about the planning and that's the most 161 00:07:57.100 --> 00:08:00.600 valuable advice. I give to my clients. Hey, we're with 162 00:08:00.600 --> 00:08:04.200 a low cost. Well Diversified portfolio. We're going 163 00:08:03.200 --> 00:08:06.300 to get a market return the market for us 164 00:08:06.300 --> 00:08:09.300 taking risk. We will get a market return and my 165 00:08:09.300 --> 00:08:12.700 return will be no different than my clients because we invest in very similar 166 00:08:12.700 --> 00:08:16.300 similarly constructed portfolios, but 167 00:08:15.300 --> 00:08:16.700 really 168 00:08:17.900 --> 00:08:20.800 Whether we get an 8% return 9% 10% 169 00:08:20.800 --> 00:08:23.300 return long-term. It's really 170 00:08:23.300 --> 00:08:24.100 the plan. 171 00:08:25.200 --> 00:08:28.500 That is is going to drive all that and just because 172 00:08:28.500 --> 00:08:31.400 their portfolio is up a certain year that that's 173 00:08:31.400 --> 00:08:32.800 great and they like to see that. 174 00:08:33.900 --> 00:08:36.100 But again, the plan is going to say well geez, I 175 00:08:36.100 --> 00:08:39.700 know now I can retire at age 62. I'm 176 00:08:39.700 --> 00:08:43.600 going to take Social Security at 67 when 177 00:08:42.600 --> 00:08:44.700 I retire at 62. 178 00:08:45.500 --> 00:08:48.500 I'm going to be able to pay for my own health insurance until 179 00:08:48.500 --> 00:08:51.700 I hit MediCare at age 65. I mean, those are questions 180 00:08:51.700 --> 00:08:54.300 that aren't even related to a rate 181 00:08:54.300 --> 00:08:57.300 of return or a stock pick or any of that. They're planning 182 00:08:57.300 --> 00:09:00.300 questions, but they're extremely important to people the very 183 00:09:00.300 --> 00:09:03.300 comprehensive list of questions versus should you be in a 184 00:09:03.300 --> 00:09:06.100 60% stock 40% bomb for far beyond that 185 00:09:06.100 --> 00:09:09.400 correct? Correct, but it's it's about the the layers and 186 00:09:09.400 --> 00:09:13.200 the investment management risk reward asset 187 00:09:12.200 --> 00:09:16.000 allocation being allocated appropriately. 188 00:09:17.400 --> 00:09:20.100 According to your risk tolerance that's all part of it. But you 189 00:09:20.100 --> 00:09:23.200 do when I sit down with clients we talk about the 190 00:09:23.200 --> 00:09:26.200 performance we talk about what the markets have been doing and we really start 191 00:09:26.200 --> 00:09:29.700 to get into those those items Healthcare Medicare long 192 00:09:29.700 --> 00:09:33.900 term care gifting money to people grandchildren 193 00:09:32.900 --> 00:09:35.700 setting up a 529 194 00:09:35.700 --> 00:09:38.200 accounts. All those types of things. These 195 00:09:38.200 --> 00:09:41.200 are the goals and the things that are important to clients and they come 196 00:09:41.200 --> 00:09:45.000 through the planning process. Yeah, that's extremely valuable right life 197 00:09:44.100 --> 00:09:47.800 comes at you fast, and there's a number of instances in 198 00:09:47.800 --> 00:09:50.400 my personal life where I've leaned on you for things that 199 00:09:50.400 --> 00:09:53.100 are fun far beyond investable assets. 200 00:09:54.100 --> 00:09:57.200 So that's that's good. So what so far listeners out there. 201 00:09:57.200 --> 00:10:01.100 I mean you're looking for a financial professional that 202 00:10:00.100 --> 00:10:02.300 is planning focused. 203 00:10:03.400 --> 00:10:06.700 But also from a very comprehensive standpoint Beyond 204 00:10:06.700 --> 00:10:09.700 stocks bonds mutual funds Exchange Trade 205 00:10:09.700 --> 00:10:10.300 funds Etc. 206 00:10:11.300 --> 00:10:14.500 So let's one of the things that's a 207 00:10:14.500 --> 00:10:15.100 change gears a little bit. 208 00:10:16.500 --> 00:10:19.500 You know, there's over 300,000 financial advisors in 209 00:10:19.500 --> 00:10:22.400 the United States, right? The term 210 00:10:22.400 --> 00:10:25.700 fiduciary comes up quite a bit and I'm 211 00:10:25.700 --> 00:10:28.800 always surprised maybe I'm not as surprised 212 00:10:28.800 --> 00:10:31.600 as I once was that investors are don't 213 00:10:31.600 --> 00:10:34.900 necessarily understand that sometimes advisors are 214 00:10:34.900 --> 00:10:38.200 acting any fiduciary capacity and sometimes 215 00:10:37.200 --> 00:10:40.300 they are not before we 216 00:10:40.300 --> 00:10:41.500 jump into that. 217 00:10:42.400 --> 00:10:45.500 Explain to us Peter. What is a fiduciary? Well, it's 218 00:10:45.500 --> 00:10:48.700 it's the highest standard of care in in 219 00:10:48.700 --> 00:10:51.700 our industry. And I've sort of I've been on both 220 00:10:51.700 --> 00:10:54.300 sides of it. So I have to act in my 221 00:10:54.300 --> 00:10:57.200 clients best interest not only being affiliated with with a 222 00:10:57.200 --> 00:11:00.600 palette but also being a cfp and really 223 00:11:00.600 --> 00:11:03.300 what that comes down to at the end of the day 224 00:11:03.300 --> 00:11:05.300 is the type of 225 00:11:06.600 --> 00:11:09.200 Investment product. I'm going to refer to 226 00:11:09.200 --> 00:11:12.900 everything as a product that we put our clients into and 227 00:11:13.700 --> 00:11:18.800 I've got a really focus on the cost the level 228 00:11:17.800 --> 00:11:20.600 of care below a fiduciary. It's 229 00:11:20.600 --> 00:11:23.400 referred to as the suitability standard. Does that mean if I'm 230 00:11:23.400 --> 00:11:26.800 not a fiduciary? I'm doing something unethical absolutely not 231 00:11:26.800 --> 00:11:30.300 the last thing I want to do because I again I was there I've worked 232 00:11:30.300 --> 00:11:33.200 with clients where I was just doing by this suitability standard. I 233 00:11:33.200 --> 00:11:36.200 was not a fiduciary at the end of the 234 00:11:36.200 --> 00:11:40.200 day. I'm putting my clients into something that is putting more money back 235 00:11:39.200 --> 00:11:43.100 into their pocket meaning the fees 236 00:11:42.100 --> 00:11:46.200 and the costs associated with those products are 237 00:11:45.200 --> 00:11:49.200 much lower. We have 238 00:11:49.200 --> 00:11:52.500 no Front End Sales charges. We have no backend sales charges. 239 00:11:52.500 --> 00:11:55.100 So I said to clients that are that are coming on board. 240 00:11:56.100 --> 00:11:59.400 I will bend over backwards to make sure that you are happy but at some 241 00:11:59.400 --> 00:12:03.300 point if you don't realize the value 242 00:12:02.300 --> 00:12:05.500 of our services or you chose to go elsewhere, you 243 00:12:05.500 --> 00:12:08.800 can do that. You're going to be able to take what you have here and 244 00:12:08.800 --> 00:12:11.400 move that elsewhere. You're not going to be tied up for three or 245 00:12:11.400 --> 00:12:14.300 five or ten years. No surrender charges or big 246 00:12:14.300 --> 00:12:17.000 fees to go acting in their best interest and that helps 247 00:12:17.200 --> 00:12:20.100 to protect them. And I think it's extremely important that people 248 00:12:20.100 --> 00:12:20.700 need to ask 249 00:12:22.800 --> 00:12:25.700 Are you a fiduciary is your firm of fiduciary? And how 250 00:12:25.700 --> 00:12:27.600 do you work? So when? 251 00:12:28.900 --> 00:12:32.200 Investors are looking for a financial 252 00:12:31.200 --> 00:12:34.400 professional to work with right what I'm 253 00:12:34.400 --> 00:12:37.800 hearing someone the first things I should look for and they should ask about it potentially 254 00:12:37.800 --> 00:12:40.600 even get it in writing. Are you acting any fiduciary 255 00:12:40.600 --> 00:12:45.100 capacity? Are you acting in my best interest? Correct? They 256 00:12:44.100 --> 00:12:48.800 absolutely should and and interview multiple 257 00:12:47.800 --> 00:12:52.600 people Tom has 258 00:12:51.600 --> 00:12:54.200 been not only a great client. But I've worked 259 00:12:54.200 --> 00:12:57.500 with many of Tom's family members. Why because they come to Tom. Jeez 260 00:12:57.500 --> 00:13:00.700 Tom. I've got some questions. Who should I work with? Well talk 261 00:13:00.700 --> 00:13:03.400 to Peter. So if you have a friend or family member who you 262 00:13:03.400 --> 00:13:06.500 know works with an advisor ask for that that person's name. 263 00:13:06.500 --> 00:13:09.400 And if they will if you have a friend or family member they'll 264 00:13:09.400 --> 00:13:12.300 refer them over if they enjoy working with them. So I think that's a 265 00:13:12.300 --> 00:13:15.800 good place to start but interview them there's many checklists 266 00:13:15.800 --> 00:13:18.800 online and I think one of the things you want to ask about are 267 00:13:18.800 --> 00:13:21.800 you a fiduciary understand what that means and it's 268 00:13:21.800 --> 00:13:24.900 it's something important because there's 269 00:13:24.900 --> 00:13:27.300 plenty of us out. There aren't as many as probably there should 270 00:13:27.300 --> 00:13:28.900 be but there's plenty fiduc. 271 00:13:28.900 --> 00:13:30.000 He's out there for you to work with. 272 00:13:30.800 --> 00:13:33.000 Absolutely. You made a really good point. I was doing a little research. 273 00:13:34.300 --> 00:13:35.600 Knowing that we were going to have this. 274 00:13:36.500 --> 00:13:39.400 Talk today the three of us and you know, 275 00:13:39.400 --> 00:13:42.700 the number one way investors find their financial advisors through 276 00:13:42.700 --> 00:13:45.500 through referrals. Right number two is through 277 00:13:45.500 --> 00:13:49.500 you know online searches and things like that. So 278 00:13:48.500 --> 00:13:51.200 I think that's that's really important 279 00:13:51.200 --> 00:13:54.200 when you're looking for financial audience advisor talk to your family 280 00:13:54.200 --> 00:13:57.800 your friends people who have or may have similar Financial 281 00:13:57.800 --> 00:14:00.200 situations as you do but I 282 00:14:00.200 --> 00:14:03.600 think you know, the important thing. Is that the very good question. Are 283 00:14:03.600 --> 00:14:06.900 you acting and a fiduciary capacity at all times, right? 284 00:14:11.300 --> 00:14:14.100 We talked about the planning process one of the things I want to 285 00:14:14.100 --> 00:14:17.700 touch upon and Mike will turn to you is that sometimes giving 286 00:14:17.700 --> 00:14:20.700 good advice means saying no not giving 287 00:14:20.700 --> 00:14:23.900 the client what they're looking for. Right and 288 00:14:23.900 --> 00:14:27.400 I've seen advisors who act 289 00:14:26.400 --> 00:14:29.700 as more of a facilitator 290 00:14:29.700 --> 00:14:32.400 very high service level but whatever the client 291 00:14:32.400 --> 00:14:35.400 wants they they get what are some of the Perils of 292 00:14:35.400 --> 00:14:35.500 that? 293 00:14:36.700 --> 00:14:40.200 The Perils are that you become all 294 00:14:39.200 --> 00:14:42.100 things to all people and as I think 295 00:14:42.100 --> 00:14:46.400 Thomas you have famously said if everything's 296 00:14:45.400 --> 00:14:48.600 important nothing's important and 297 00:14:48.600 --> 00:14:51.300 I think from the perspective of advice that we work with 298 00:14:51.300 --> 00:14:54.100 it's it's you know 299 00:14:54.100 --> 00:14:57.800 when you when you think about that kind of cafeteria style 300 00:14:57.800 --> 00:14:59.000 service. 301 00:14:59.900 --> 00:15:01.400 It becomes very difficult to. 302 00:15:02.900 --> 00:15:05.500 Address clients needs concerns or 303 00:15:05.500 --> 00:15:08.000 fears because you know 304 00:15:08.700 --> 00:15:11.400 in terms of of investment investment advice, 305 00:15:11.400 --> 00:15:14.400 if you're if you've got clients that are in individual stocks 306 00:15:14.400 --> 00:15:17.800 and you have clients in Diversified portfolios, or they're in a more passive 307 00:15:17.800 --> 00:15:21.200 investment or they're in a tactical investment. You're constantly 308 00:15:20.200 --> 00:15:23.400 pivoting to try to answer questions to 309 00:15:23.400 --> 00:15:26.300 all these different constituencies within your practice what we 310 00:15:26.300 --> 00:15:29.700 find in our in our work is that you know advisors that 311 00:15:29.700 --> 00:15:32.400 have a philosophy advisors have a way that 312 00:15:32.400 --> 00:15:36.000 they approach the capital markets and how they construct portfolios I 313 00:15:35.500 --> 00:15:39.000 tend to do the best because their clients are like-minded and 314 00:15:38.400 --> 00:15:41.300 it keeps them in their seats even when markets are 315 00:15:41.300 --> 00:15:42.900 difficult. So having a 316 00:15:43.800 --> 00:15:46.200 Kind of a carte blanche or 317 00:15:46.200 --> 00:15:49.900 I like to say cafeteria style investment or at 318 00:15:49.900 --> 00:15:52.300 least offering makes it more difficult for you to keep your 319 00:15:52.300 --> 00:15:56.200 clients in line. I think over time and I think what I 320 00:15:56.200 --> 00:15:59.600 like like best about being at symmetries, we do have that investment philosophy. That's 321 00:15:59.600 --> 00:16:02.700 straightforward. It doesn't deviate and most 322 00:16:02.700 --> 00:16:05.000 of the advice that work with us tend to have 323 00:16:05.100 --> 00:16:08.300 that same philosophy. The interesting thing about that too is you notice 324 00:16:08.300 --> 00:16:11.300 when markets are fairly volatile which where this is really important 325 00:16:11.300 --> 00:16:14.700 is that you know investors that 326 00:16:14.700 --> 00:16:18.000 kind of adhere to similar investment 327 00:16:17.400 --> 00:16:20.700 strategy like symmetries is that they tend 328 00:16:20.700 --> 00:16:23.800 to have less gap between What markets are doing and what 329 00:16:23.800 --> 00:16:26.300 their Investments are doing because they tend to stay in their seats. They're not 330 00:16:26.300 --> 00:16:29.800 moving around behaviorally moving in and out of the market or moving in and 331 00:16:29.800 --> 00:16:31.600 out of Investments. And I think that's sometimes can be the 332 00:16:32.400 --> 00:16:35.700 the offshoot of having a strategy where 333 00:16:35.700 --> 00:16:37.200 you're just trying to be everything to everybody. 334 00:16:38.800 --> 00:16:41.200 I'm going to unpack use it a lot of really yeah, I get 335 00:16:41.200 --> 00:16:44.100 there. Sorry, but no. No, I just want to make sure our listeners get it to get 336 00:16:44.100 --> 00:16:47.700 some really really good insight there Mike. So first 337 00:16:47.700 --> 00:16:50.800 and foremost you talk about an investment philosophy 338 00:16:50.800 --> 00:16:53.700 and what I'm hearing you say is that we're talking 339 00:16:53.700 --> 00:16:56.100 about advice, right and if someone wants to 340 00:16:56.100 --> 00:16:58.200 give advice you have to have a stake in the ground. 341 00:16:59.400 --> 00:17:02.300 You have to have that place where your your view on 342 00:17:02.300 --> 00:17:04.200 how Capital markets work? 343 00:17:04.900 --> 00:17:07.400 And if you don't have that view you might fall into that 344 00:17:07.400 --> 00:17:08.700 facilitator capacity. 345 00:17:10.300 --> 00:17:13.300 The other thing that she said I'm glad you 346 00:17:13.300 --> 00:17:16.300 said it as you talked a lot about behavior and what I'm hearing you 347 00:17:16.300 --> 00:17:19.500 say is the study we've used many times the dial 348 00:17:19.500 --> 00:17:22.500 bar study for our listeners. Could you talk a little bit about what that dial bar 349 00:17:22.500 --> 00:17:26.000 research shows us sure is that it shows that the the investor 350 00:17:25.200 --> 00:17:26.600 over, you know? 351 00:17:27.600 --> 00:17:30.100 Many time periods. I mean they updated every year but it goes 352 00:17:30.100 --> 00:17:33.600 back a number of years and it looks at what investors 353 00:17:33.600 --> 00:17:36.200 do in terms of investing in 354 00:17:36.200 --> 00:17:39.600 the let's say the S&P 500 as an index versus what the 355 00:17:39.600 --> 00:17:43.300 index does and we find year in and year out that investors 356 00:17:42.300 --> 00:17:45.200 tend to underperform the 357 00:17:45.200 --> 00:17:48.500 index and the question always is Peter and you know this why 358 00:17:48.500 --> 00:17:51.500 and it's because they're holding period is 359 00:17:51.500 --> 00:17:54.600 tends to be I think it's less it used to be in the old days three 360 00:17:54.600 --> 00:17:57.300 three plus years now. It's three minus here. It's less 361 00:17:57.300 --> 00:18:00.200 than three years of holding period of time, which means they're 362 00:18:00.900 --> 00:18:03.500 Behaviorally trying to in some 363 00:18:03.500 --> 00:18:06.400 ways time the market and so what we 364 00:18:06.400 --> 00:18:09.000 try to do at least in as I talk 365 00:18:09.100 --> 00:18:12.300 to advisors is to try to educate them and educate clients as 366 00:18:12.300 --> 00:18:15.300 well that you know, we want to close that Gap we 367 00:18:15.300 --> 00:18:18.200 call that the the performance Gap right? 368 00:18:18.200 --> 00:18:22.000 There's a gap between what investments do and what the investor 369 00:18:21.300 --> 00:18:24.300 does right? We know this plenty of Dad out 370 00:18:24.300 --> 00:18:27.100 there to show that so how do we do that? Peter had talked about a little 371 00:18:27.100 --> 00:18:30.300 bit earlier is we look at things like, okay, what's important? How do 372 00:18:30.300 --> 00:18:33.600 we close that Gap? It comes from financial planning. It comes 373 00:18:33.600 --> 00:18:37.000 from portfolio selection, not necessarily portfolio 374 00:18:36.300 --> 00:18:39.400 management, but portfolio selection in terms 375 00:18:39.400 --> 00:18:42.600 of picking the right model of the right strategy for for clients 376 00:18:42.600 --> 00:18:45.000 education and communication with clients. I 377 00:18:45.100 --> 00:18:48.900 think those are great ways that we see that behavioral Gap 378 00:18:48.900 --> 00:18:51.700 closing through time and that and 379 00:18:51.700 --> 00:18:54.900 ends up being a an experience 380 00:18:54.900 --> 00:18:57.000 that clients will be with their advisors for a long time 381 00:18:57.300 --> 00:19:00.400 because you focus on the things that matter not the investment 382 00:19:00.400 --> 00:19:00.700 itself. 383 00:19:01.800 --> 00:19:02.700 a great computer 384 00:19:03.500 --> 00:19:06.800 You're the the man in the seat here. So talk 385 00:19:06.800 --> 00:19:09.200 to us a little about that. Right? I mean that dial bar study is 386 00:19:09.200 --> 00:19:11.600 pretty telling every year investors are underperforming. 387 00:19:12.300 --> 00:19:15.900 You focus on planning. How does planning help with the 388 00:19:15.900 --> 00:19:18.200 long-term thinking that is required for 389 00:19:18.200 --> 00:19:20.500 successful experience. It comes into 390 00:19:21.800 --> 00:19:24.500 Not only the planning but educating clients and 391 00:19:24.500 --> 00:19:27.600 communication and the example I'll use and we were 392 00:19:27.600 --> 00:19:27.800 all. 393 00:19:28.500 --> 00:19:32.200 working from back home during the the pandemic and 394 00:19:33.900 --> 00:19:36.200 the markets dropped about a 395 00:19:36.200 --> 00:19:36.800 third 396 00:19:37.800 --> 00:19:40.700 so about 33% in about a month's time thinking 397 00:19:40.700 --> 00:19:43.600 the numbers are 33% over 34 days 1/3. 398 00:19:44.300 --> 00:19:47.300 And we're sitting here stuck at home. We think the world is going 399 00:19:47.300 --> 00:19:50.400 to end and my message to my clients because 400 00:19:50.400 --> 00:19:54.000 it's the message of our firm message that I truly believe. 401 00:19:55.300 --> 00:19:55.700 And it wasn't easy. 402 00:19:56.400 --> 00:19:59.600 No, we're not doing anything this too shall 403 00:19:59.600 --> 00:19:59.700 pass. 404 00:20:00.600 --> 00:20:03.600 You know, this is the.com bubble. This 405 00:20:03.600 --> 00:20:06.600 is 911. This is the 406 00:20:06.600 --> 00:20:09.900 great financial crisis of 2008. 407 00:20:10.600 --> 00:20:13.400 It doesn't necessarily matter what the event 408 00:20:13.400 --> 00:20:16.500 is because everyone know Peter is a pandemic. It's different like you're 409 00:20:16.500 --> 00:20:20.100 right, but you're not it's the uncertainty and what 410 00:20:19.100 --> 00:20:22.700 lo and behold what happens after the 411 00:20:22.700 --> 00:20:23.900 market drops a third. 412 00:20:24.800 --> 00:20:27.800 In March February and to March it 413 00:20:27.800 --> 00:20:30.700 shoots back up. It comes roaring back why we 414 00:20:30.700 --> 00:20:34.100 had no vaccine. We still were unemployment had 415 00:20:33.100 --> 00:20:36.200 still not hit its peak because of 416 00:20:36.200 --> 00:20:39.900 all the you know, retail and entertainment losses 417 00:20:39.900 --> 00:20:42.200 that that took place in in this country and around the 418 00:20:42.200 --> 00:20:45.000 world. We still have this crazy election in front 419 00:20:45.100 --> 00:20:48.800 of us. There was still uncertainty but why why did it happen and I 420 00:20:48.800 --> 00:20:51.500 don't think there's necessarily an answer but the lesson learned 421 00:20:51.500 --> 00:20:54.800 is we stay in our seats regardless of what's going on because 422 00:20:54.800 --> 00:20:57.500 the markets have they've always come back and I 423 00:20:57.500 --> 00:20:59.500 believe any time we hit something. 424 00:21:00.700 --> 00:21:03.300 They'll come back again. We just don't know when so that 425 00:21:03.300 --> 00:21:06.100 experience because I I think 426 00:21:06.100 --> 00:21:09.200 you use the term staking in the stand or stake in the ground. That was my 427 00:21:09.200 --> 00:21:12.200 stake in the ground. And now as we went through all of this in 428 00:21:12.200 --> 00:21:15.500 2022 with all of the uncertainty and inflation and 429 00:21:15.500 --> 00:21:18.700 gas prices and all of that impacting 430 00:21:18.700 --> 00:21:20.700 the markets interest rates being increased. 431 00:21:22.200 --> 00:21:25.200 People said yeah, I remember what you said back during the 432 00:21:25.200 --> 00:21:28.200 pandemic. So yeah, okay that that makes sense. It's the 433 00:21:28.200 --> 00:21:30.300 messaging my messages consistent. 434 00:21:31.200 --> 00:21:34.000 And when people hear that, there's a sense of confidence like, you know what he was 435 00:21:34.200 --> 00:21:36.400 right last time. He'll probably be right this time, too. 436 00:21:37.400 --> 00:21:40.200 Fantastic, and I remember that Panda right that 437 00:21:40.200 --> 00:21:43.500 first quarter of 2020 was one of the top 10 worst 438 00:21:43.500 --> 00:21:48.100 quarters in the United States history going back to 1926. The 439 00:21:47.100 --> 00:21:50.200 second quarter of 2020 was one of the top 10 440 00:21:50.200 --> 00:21:53.400 best quarters the United States ever experienced going 441 00:21:53.400 --> 00:21:56.200 back. And and the funny thing is if we had 442 00:21:56.200 --> 00:21:59.200 been if we had moved our money out of we did 443 00:21:59.200 --> 00:22:02.500 not stay calm and we moved money out 444 00:22:02.500 --> 00:22:05.300 of the market in March. What would 445 00:22:05.300 --> 00:22:08.700 we have missed? When do we get back in? It's it's 446 00:22:08.700 --> 00:22:11.200 difficult. It's difficult to sit there 447 00:22:11.200 --> 00:22:14.100 when the market is dropping and say my gosh we have to do 448 00:22:14.100 --> 00:22:17.600 something but you're also playing the same game when you get out. It's like 449 00:22:17.600 --> 00:22:20.200 well if you get out, okay well, but then the market will eventually 450 00:22:20.200 --> 00:22:21.700 come back. Well, when do you get back in? 451 00:22:22.600 --> 00:22:25.300 And and and we just see long-term what the 452 00:22:25.300 --> 00:22:26.600 results are you're better off. 453 00:22:27.400 --> 00:22:30.500 Staying going dealing with the rollercoaster ride 454 00:22:30.500 --> 00:22:33.500 staying in your seat versus making rash decisions based 455 00:22:33.500 --> 00:22:36.100 upon fear and emotion Peter Michael. Thank you so much 456 00:22:36.100 --> 00:22:39.400 for joining us here today that concludes part one of our discussion 457 00:22:39.400 --> 00:22:42.200 on choosing the right financial advisor. I look 458 00:22:42.200 --> 00:22:45.200 forward to continuing the conversation at part two, and if you want to 459 00:22:45.200 --> 00:22:48.800 look at any of our previous unfiltered Finance podcasts, they're 460 00:22:48.800 --> 00:22:51.700 available wherever you might be getting your podcast today. So, 461 00:22:51.700 --> 00:22:53.400 thank you till next time bye-bye. 462 00:22:53.900 --> 00:22:56.500 Symmetry Partners LLC is an 463 00:22:56.500 --> 00:22:59.500 investment advisor firm registered with the Securities and 464 00:22:59.500 --> 00:23:02.200 Exchange Commission The Firm only transacts business 465 00:23:02.200 --> 00:23:06.200 in states where it is properly registered or excluded 466 00:23:05.200 --> 00:23:10.000 or Exempted from registration requirements registration 467 00:23:08.100 --> 00:23:11.700 of an investment advisor does 468 00:23:11.700 --> 00:23:14.900 not imply any specific level of skill or training and 469 00:23:14.900 --> 00:23:17.400 does not constitute an endorsement of the firm 470 00:23:17.400 --> 00:23:20.500 by the commission. No one should assume that future performance 471 00:23:20.500 --> 00:23:23.600 of any specific investment investment strategy 472 00:23:23.600 --> 00:23:26.900 product or non-investment related content 473 00:23:26.900 --> 00:23:29.200 made reference to directly or indirectly in 474 00:23:29.200 --> 00:23:31.400 this material will be profitable. 475 00:23:32.400 --> 00:23:35.400 As with any investment strategy there is the possibility of 476 00:23:35.400 --> 00:23:38.600 profitability as well as loss due to 477 00:23:38.600 --> 00:23:41.600 various factors including changing market conditions. 478 00:23:41.600 --> 00:23:44.800 And/or applicable laws the content 479 00:23:44.800 --> 00:23:47.800 may not be reflective of current opinions or 480 00:23:47.800 --> 00:23:50.500 positions. Please note the material 481 00:23:50.500 --> 00:23:53.800 is provided for educational and background use only moreover. 482 00:23:53.800 --> 00:23:57.000 You should not assume that any discussion or information 483 00:23:56.700 --> 00:23:59.700 contained in this material Services the 484 00:23:59.700 --> 00:24:03.300 receipt of or as a substitute for personalized 485 00:24:02.300 --> 00:24:04.500 investment advice.
Simply Worth It: Physician Negotiations with Dr. Linda Street
Reciprocity is a social construct that goes back centuries, and it's so innate in us that it feels like second nature. It's also a powerful tool in a negotiation. When someone gives us something, this built-in need for us to do something for them in return is triggered, and it makes it easier to come to an agreement that satisfies both sides of a negotiation. Behaviorally, how does reciprocity lay the groundwork for a successful negotiation? How do we prepare for a negotiation with reciprocity in mind? In this special replay episode, I talk about how one social construct can impact your ability to get a deal that reflects your value. Three Things You'll Learn In This Episode - Why reciprocity makes us kinder and more considerate How does reciprocity make human beings more friendly and cooperative? - How to use reciprocity to get a deal you're thrilled with The law of reciprocity presents the perfect opportunity to stretch what we're asking for, but how do we make sure that stretch goal isn't too unreasonable? - How to create more harmony in a negotiation If we're focused on reciprocity, it's easier for both sides to find common ground and shrink areas of disagreement. What strategies can we use to zone in on the areas where our needs intersect?
In this episode of Our Best Behavior, Nicole DeSimone (Insights Analyst) and Kat Borkowska (formerly Insights Manager at Behaviorally and currently Associate CMI Manager, Unilever) join us to discuss the chapter, “Color Codes of Conduct” in our complimentary e-book, “The Power of Packaging to Drive Shopper Growth” that compiles over 50 years of best practice learnings into an inspirational and practical guide on creating effective pack designs. This year, we launched a Revised Edition with a bonus chapter around packaging for eCommerce. Matt Salem (Senior Vice President, Customer Success) hosts The Our Best Behavior Podcast. Read more on the Behaviorally Blog (behaviorally.com/blog/)
Exchange-traded funds, or ETFs, have become increasingly popular as investors look for a simple, diversified, and cost-effective approach to investing. While ETFs provide a convenient way for investors to gain exposure to a wide range of assets, in what direction is the ETF market headed in the future? In this episode, Rusty and Robyn talk with Eric Biegeleisen, Partner and Deputy Chief Investment Officer at 3EDGE Asset Management. In his role, Eric is responsible for the research operations at 3EDGE. His research focuses on discovering and exploring the interconnectedness of global capital markets through quantitative and qualitative analyses. Under Eric's leadership, 3EDGE has significantly enhanced its proprietary global capital markets model. Having a goal to steward 3EDGE's relationships with ETF managers to help bring new products to market, Eric talks with Rusty and Robyn about the ins and outs of exchange-traded funds (ETFs), the projected growth, and how they stand up against direct indexing. Eric also shares some of the opportunities ETF offers in the investment industry. Key Takeaways [02:59] - Eric's path to becoming 3EDGE Asset Management's Deputy Chief Investment Officer. [04:29] - How 3EDGE Asset Management serves private and institutional clients. [07:15] - How 3EDGE Asset Management constructs portfolios. [09:14] - What makes 3EDGE different from its competitors and peers. [10:28] - Eric's outlook on exchange-traded funds (ETFs). [11:32] - The pros and cons of investing in ETFs. [12:32] - How 3EDGE can compete against the big proprietary ETF providers. [15:01] - Eric's take on direct indexing being a threat to ETFs. [16:05] - The 3EDGE view on the stock market for 2023. [19:10] - Eric's tactical strategies for international equity. [21:57] - The strategy Eric uses to diversify assets. [25:11] - One of Eric's favorite investment strategies. [26:11] - How Eric maintains his energy and ability to perform at a high level. [27:11] - The people Eric is grateful for professionally. [28:36] - Eric's recommendation for content. Quotes [07:42] - "Behaviorally, investors can act as a herd, whether in a virtuous or vicious way. We need these behavioral factors to identify the real short-term potential changes." ~ Eric Biegeleisen [10:49] - "The ETF space continues to grow as it siphons off assets from other wrappers and large mutual funds. As new money folds in as it's gotten even larger, institutional dollars roll in." ~ Eric Biegeleisen [11:39] - "The pros (of ETFs) are a long list: transparent, low cost, tax efficient. There are over 1,700 listed ETFs in the U.S. alone, so there are exposures to nearly everything one would want." ~ Eric Biegeleisen Links Eric Biegeleisen on LinkedIn Eric Biegeleisen on Twitter 3EDGE Asset Management Thunderstruck by AC/DC Stephen Cucchiaro Charles Schwab Windhaven Investment Management BlackRock Vanguard State Street Global Advisors Bob Phillips The Peter Attia Drive Podcast The Dawn of Everything: A New History of Humanity Never Finished: Unshackle Your Mind and Win the War Within Think Again: The Power of Knowing What You Don't Know Power and Prediction: The Disruptive Economics of Artificial Intelligence The Origin of Wealth Connect with our hosts Rusty Vanneman Robyn Murray Subscribe and stay in touch Apple Podcasts Spotify Google Podcasts 0141-OPS-1/19/2023
In this episode of Our Best Behavior, Damien Arrouas (VP, Market Development, Behaviorally) and Stephen Honovich (Consumer Insights Professional) join us to discuss the chapter, “The Sustainability Conundrum” in our complimentary e-book, “The Power of Packaging to Drive Shopper Growth” that compiles over 50 years of best practice learnings into an inspirational and practical guide on creating effective pack designs. This year, we launched a Revised Edition with a bonus chapter around packaging for eCommerce. Matt Salem (Senior Vice President, Customer Success) hosts The Our Best Behavior Podcast. Read more on the Behaviorally Blog (behaviorally.com/blog/)
The mystery of Lekter's fraud left-handedness is solved! Thanks to a little "behavioral modification."
Cheri speaks with Katie Metz, Assistant Director of Early Head Start & Head Start in northern Nevada. Impoverished learners are the clearest indicators of the ineffectiveness of our educational system. Behaviorally based methods significantly outperform all other methods and produce dramatic gains in academic achievement with low income students. Katie will tell us how CSA Headstart programs help local children advance and grow. csareno.org info@csareno.org 775-786-6023
Summary: Tarantuals live all over the world! Join Kiersten as she talks about where tarantulas live, what habitats they like, and how they got all over the planet. For my hearing impaired listeners, a complete transcript of this podcast follows the show notes on Podbean. Show Notes: The Tarantula Scientist by Sy Montgomery “Tarantulas are everywhere and now researchers know why” by Mihai Andrei, ZME Science https://www.zmescience.com/science/biology/tarantula-evolution-gondwana-19042021/ https://www.heath-hands.org.uk/blog/subterranean-spiders https://www.biodiversityexplorer.info/arachnids/spiders/theraphosidae/index.htm https://environment.des.qld.gov.au/wildlife/animals/living-with/tarantulas https://usaspiders.com/aphonopelma-hentzi-texas-brown-tarantula/ “The Natural History of Tarantula Spiders” by Richard C. Gallon https://www.thebts.co.uk/old_articles/natural.htm Transcript (Piano music plays) Kiersten - This is Ten Things I Like About…a ten minute, ten episode podcast about unknown or misunderstood wildlife. (Piano music stops) Kiersten - Welcome to Ten Things I Like About… I'm Kiersten, your host, and this is a podcast about misunderstood or unknown creatures in nature. Some we'll find right out side our doors and some are continents away but all are fascinating. This podcast will focus ten, ten minute episodes on different animals and their amazing characteristics. Please join me on this extraordinary journey, you won't regret it. This episode continues tarantulas and the third thing I like about these amazing arachnids is where they live! Tarantulas are found on every continent on the planet with the exception of Antartica. For those arachnaphobs out there this is distressing news, but do not worry they have specific habitats that they prefer and once you know what these are you can successfully avoid them. Although, by the end of this series of Ten Things I Like About, I know all my listeners will be in love with tarantulas! Okay, okay, if not love then at least in appreciation. Tarantulas are most commonly found in warmer climates. Semi-arid desert habitat is the environment that most people associate with tarantulas, but more tarantulas are actually found in tropical rainforests than desert areas. Most tarantulas are distributed on land found 40 degrees north of the equator to 40 degrees south of the equator. This places them in warmer regions of the planet which includes Africa, southern Europe, areas of the Middle East, southern Asia, Indonesia, Australia, and all of Central and South America. Tarantulas found in North America are typically restricted to the Southwest, including Arizona, Utah, Nevada, California, Colorado, Texas, and Oklahoma; although, the Texas Brown has been seen as far east as Missouri. A common area home to several species of tarantula in North America is the desert. Various species of tarantula are found in semi-desert areas of the Sonoran, Chihuahua, and Mojave deserts. There are seven species of tarantula described in Australia. They are found in Queensland, New South Wales, South Australia, and Western Australia. The habitat they favor consists of desert, temperate, and rainforest areas. They are not found in the southern coastal areas or the northern tropics. South America is a hotspot for tarantulas. These hairy arachnids are found almost everywhere on this continent. The warm, humid tropical forests are a great place to find tarantulas. Just north of the equator sits French Guiana, it's about the size of Indiana in the United States and is considered by many scientists to be the tarantula capital of the world. About a dozen different species of tarantula live there including the world famous bird-eating tarantulas! In Africa, tarantulas are found almost everywhere with the exception of the Sahara desert. This desert is home to only a handful of creatures that can tolerate the super dry environment and the extreme temperatures. No tarantula has yet to be found that is equipped to survive there. But Africa is host to many species of temperate as well as tropical species of tarantula, one of the most famous being the baboon spiders. In Europe, one must be very careful when looking for tarantulas. You must be sure to not get them mixed up with hairy wolf spiders! The original “tarantula” was a very hairy wolf spider seen in Taranto, Italy. The name was carried to other continents by European explorers who used it to describe other hairy spiders they saw. We ended up keeping and using the word “tarantula” for arachnids in the Family Theraphosidae. There is only one known species of tarantula in the United Kingdom classified in Family Therphosidae and that is the purse web spider. You might be thinking, how did tarantulas find their way to almost every continent in the world? Well some scientists from Carnegie Mellon University had the same question. Behaviorally speaking, tarantulas are typically homebodies, so how did they spread across the planet? Turns out tarantulas are pretty old. Like Cretaceous period running around with dinosaurs old. Because they lived during this time they inhabited Gondwana, the supercontinent that existed before tectonic activity created continental drift resulting in the seven continents we have today. Tarantulas just hitched a ride. There is also some evidence that tarantulas may be better dispersers than we initially thought, at least on the Asian continent. It appears that two lineages colonized across the Asian continent. Some stayed in India while others diversified across Asia while the Indian tectonic plate was still drifting toward Asia. These two lineages actually colonized Asia 20 million years apart. This information is encouraging scientists to reevaluate how they think about tarantula dispersal. Now that we know where in the world to find tarantulas, let's take a closer look at where they spend most of their time. There are two main places that tarantulas live. The first is the most common and what most people think of when you think about tarantulas, underground burrows. The vast majority of tarantulas live in underground burrows. These burrows are often self made by the tarantula, but occasionally another animal's abandoned burrow will be used. To dig the burrow, tarantulas will use their chelicerae and pedipalps to move the soil. If they are digging their own burrow and they are a sedentary species that lives in one place for many years, they will expand the tunnels and chamber as they themselves grow! Could you imagine having to build a larger house or apartment each time we humans got bigger? Most burrows consist of one long tunnel leading to an ovoid chamber that the tarantula uses to rest in. Often both the tunnel and chamber floors will be covered in a layer of silk that the tarantula produces itself. Some species of tarantulas have a more elaborate set up with more than one chamber and additional entrance tubes. This does give you an escape route if confronted by another tarantula or a predator. Smart thinking! Some species will spruce up the entrance to their burrow with a structure called a turret. The turret consists of plant material and soil stitched together with silk. It sits outside the lip of the burrow and prevents ground water from flooding the burrow! What a great example of forethought…in an arachnid! Amazing! The second place tarantulas live is in trees! Yes, that's right I said trees. There are a handful of arboreal tarantula species. They are found in South America, Africa, and Asia, mainly in tropical forests. Arboreal tarantulas have many different choices when it comes to finding a secure living space in a tree. Some will construct a tube made of silk that it attaches to surrounding branches. Rotted holes in trees can make a lovely abode for a tarantula to inhabit. Some will rest behind loose panels of bark. And other's use epiphytic plants that grow in the branches of trees. Talk about a fancy high rise home. These tarantulas know where it's at! There is a third life style that is still being studied, but it appears that some tarantulas may live a vagabond life. They wander from burrow to burrow or hiding spot taking refuge in whatever place they can find during the day. So far, it looks like only two species may lead this type of life, but more research is needed to confirm this behavior. That's it for this third fascinating episode about tarantulas. I hope you liked learning about where tarantulas live as much as I liked writing about it, because it is my third favorite thing about tarantulas. If you're enjoying this podcast please recommend me to friends and family and take a moment to give me a rating on whatever platform your listening. It will help me reach more listeners and give the animals I talk about an even better chance at change. Join me next week for another thing I like about tarantulas! (Piano Music plays) This has been an episode of Ten Things I like About with Kiersten and Company. Original music written and performed by Katherine Camp, piano extraordinaire.
Are you wanting a deeper understanding of your child's concerning behavior and how to help them do better? Listen in to learn a profound process to get them there. It's time to let go of antiquated forms of discipline such as restraining, secluding, or paddling children, and today my guest shares exactly what to do instead. Click here for Show Notes and Additional Resources! What We Talked About: Helping children solve problems that might be causing challenging behavior Advocating for doing away with punitive methods of discipline such as restraining, seclusion, and paddling The 3 step process of Collaborative and Proactive Solutions developed by Dr. Greene A few of the skill deficits that our children need support developing Things to Remember: “When we view kids with an accurate compassionate lens, we are able to create interventions that actually work and work long-term.” “Children do well, if they can.” “Nothing good happens in the heat of the moment.” “Children are not lacking motivation, they already want to do well.” “Fantastic things happen when we work proactively with our children.” ― Kim Hopkins “Power causes conflict...collaboration brings people together.” “Behaviorally challenging kids are challenging because they're lacking the skills to not be challenging.” ― Ross W. Greene, Ph.D. “When we invite children to problem solve, we are teaching them a life skill and nurturing the perception that they are capable.” ― Jane Nelsen “Too often we give our children answers to remember rather than problems to solve.” ― Roger Lewin Click here for Show Notes and more Resources from Jeanne-Marie, Your Parenting Mentor
Tom is flying solo and is joined by David Sikorjak (@DSikorjak), President of Dexterity Consulting, who is also an author, storyteller, and marketing strategist. In this episode, David introduces Fans Have More Friends, a new book he co-authored with Ben Valenta.He discusses a range of topics, including the inspiration behind the book, why fandoms are worth investigating, their greater psychological and social implications, and what it is like being a first-time author. Specifically, David believes that there is a wide gap between fans and non-fans in terms of their closeness with friends and families. On a societal level, political polarization and distrust in established institutions drive the feeling of loneliness. Fandom is a community that helps forge new or solidify existing social relationships, which brings people a step closer to greater social engagement and better mental health. Behaviorally, sports consumption has been changing rapidly, affecting the way fans interact and connect with their surroundings. The CUSP Show is a production by the faculty of Sports Management at Columbia University. You can get in touch with the program on Twitter @CU_SPS_Sports. The CUSP Show is hosted by Joe Favorito (@Joefav) and Tom Richardson (@ConvergenceTR). The show is produced by Matt Hornick ‘23 (@MNHornick) and Cindy Li ‘23 (@cindyliiiii), with Jillian Quinn ‘22 (@JillianMQuinn) and Marco Vonderheide ‘23 managing social media efforts.
In this episode of Our Best Behavior, we sit down with members of YAI (Young Adult Institute) to discuss their recent visits to the Behaviorally office and their learnings from over the past couple months. YAI and its network of affiliate agencies offer children and adults with intellectual and developmental disabilities a comprehensive range of services. YAI is committed to seeing beyond disability, providing opportunities for people to live, love, work, and learn in their communities.
Oh, Canada. Priscilla and Ashley are back from the 2022 ESOMAR Congress in Toronto. In between attending sessions and networking events, the duo connected with colleagues to record their takeaways from the conference. Tune in to the episode to hear from thought leaders in the market research industry. This episode features: Pravin Shekar of ESOMAR Aryn O'Donnell of Fieldwork Anne Stephenson of Explorer Research Crispin Beale of Behaviorally, Insight250 and mTab Horst Feldhaeuser of Infotools Chris Martin of FlexMR Michaela Gascon of KJT Group SPONSOR: Do you know what “lies” behind your data? When the truthfulness of respondents is in question, the entire survey process is compromised. At CloudResearch, we're exposing the hard truth about online survey fraud. Join us in an Insights Association webinar that pulls back the curtain to reveal shocking, never-before-seen footage from actual fraudulent click farms. You'll see fraud as it truly happens with your own eyes, and learn how Sentry stops fraudsters in their tracks. Join us, November 3, 2022. Stay tuned for how to register.
My guest this week is Eileen Devine In this episode, Eileen and I discuss parenting through behavior and developmental challenges, with a spotlight on Fetal Alcohol Spectrum Disorder (FASD). Whether you have a child diagnosed with FASD or not, I encourage you to listen to this conversation as the content and tips can be applied to parenting kids with or without any behavioral or developmental challenges, at any stage of life. We talk about why a brain-based parenting lens is so much more effective than a behavior-based approach, especially for kids with behavior challenges or developmental delays. Eileen's personal and professional experience with FASD is incredibly insightful, where she shares what FASD does and does not look like, diagnoses, what research shows, and many realistic tips and tools to not just support a child in improving brain development and function, but also helping the parents in the process. Eileen Devine is a licensed clinical social worker living in Portland, Oregon and has over 20 years of clinical experience. She's also the mother of a teenager with Fetal Alcohol Spectrum Disorder, a serious brain based disability that has challenging behavioral symptoms. She believes that when we understand the way a child's brain works, we then understand the meaning behind challenging behaviors and begin to see them as symptoms of a child's differences. Through her work with parents, Eileen has created the Resilience Room membership community and the Brain First Parenting Program, both designed to support parents in their unique parenting journey. In addition to her one on one and group work with parents, she also facilitates dozens of workshops and trainings a year and is an instructor for the CASE Institute's Training for Adoption Competency Post-masters certification program. Connect with Eileen Devine: Insta: @eileen.devine_brain.first Facebook: https://www.facebook.com/EileenDevineBrain Website: www.eileendevine.com Episode Takeaways Introduction to Eileen Devine & FASD … 00:01:45 What is Fetal Alcohol Spectrum Disorder and Diagnostic Process … 00:05:52 Outdated Assumptions of FASD Presentation … 00:11:20 FASD, Toxic Stress, & Other Prenatal Substance Exposures … 00:15:40 Common Behavioral Challenges Seen on the Spectrum … 00:18:15 Parenting Children Who are Physically, Behaviorally or Cognitively Impulsive … 00:26:42 Consequences Aren't Working: Better Behavioral Techniques … 00:30:15 Parenting Tips: A Brain-Based Reframe Rather Than a Behavior-Based Lens … 00:35:09 The Gap Between Expectations and What They are Capable of Doing … 00:40:42 Tips & Where to Start for FASD & Behavioral Challenges … 00:47:15 Resources & Episode Wrap Up … 00:50:10 Need help with improving your child's behavior naturally? My book Life Will Get Better is available for purchase, click here to learn more. Looking for more? Check out my Blog and Workshops. Interested in becoming a patient? Contact us here. Instagram Facebook Drbeurkens.com
Behavior is nuanced and multilayered for our dogs, and working to accept and get help with that behavior can bring up a lot of feelings in us humans! For this episode, trainer Mallory Kratimenos joined me to talk about the emotional journey she has been on with her own behaviorally complex dogs. We talk about the shame and guilt that can come along with having a dog who needs additional behavior support, especially in a society that has certain views about how a "normal" dog should behave. We also share how accepting our dogs for who they are can help us learn a lot about ourselves, and the importance of finding a support network that will meet you and your dog with compassion and kindness. About Mallory Mallory is the owner and sole trainer at Engineering Optimism Dog Training. She specializes in all things small dogs, but has experience with dogs of all sizes. Mallory works with clients to help mediate the relationship between human and dog with the goal of engineering a little optimism and joy on both sides of the equation. Mallory holds two Bachelor of Science degrees from Purdue University and is a Victoria Stilwell Academy Certified Dog Trainer, Fear Free Certified Professional Trainer, a Certified Trick Dog Instructor, and a licensed Family Dog Mediator. She is also the parent of two small terriers, Gracie - a 12 y/o Russell mix, and Ollie - a 7 y/o Rat Terrier mix. You can follow Mallory and her dogs on Instagram at @the.reactive.dog.blog Download the transcript for this and all of our other episodes here.
The Brainy Business | Understanding the Psychology of Why People Buy | Behavioral Economics
Today I am very excited to introduce you to Anant Sood, one of the co-founders of the nudge coach Worxogo. What the heck is a nudge coach you ask? It is, by my own definition, an awesome amalgamation of behavioral science and AI to help people be better managers, improve employee performance, and so much more. Anant is going to share a lot more about it in the conversation, but just know that when I heard about this I absolutely had to profile it in my new book, What Your Employees Need and Can't Tell You, which is currently on presale to come out October 11, 2022, and to follow that up with this episode. You are going to love this, trust me! Show Notes: [00:41] Today I am very excited to introduce you to Anant Sood, one of the co-founders of the nudge coach Worxogo. [03:54] Anant shares about himself and the really fascinating work he does. For the last 22 years he has largely worked in the area of transformation and organization. [06:05] Before starting Worxogo, one common thing they heard from their customers was that the first 3-6 months after a change things were excellent, but after 6-9 months the change started to taper off. After a chance meeting with Baba Shiv they realized it was not a technology or process problem, but a behavioral problem. [07:37] Customers wanted to change, but the change didn't stick and it would just go back to the way it was. [08:28] Melina's new book, What Your Employees Need and Can't Tell You, is currently on presale to come out October 11, 2022. (Hooray!) [10:37] Worxogo uses AI to customize to each individual in a unique way. [11:35] There are reasons why we don't follow through on things even when we have the intent and ability to improve. [14:04] Some people are motivated by competing against themselves and others are motivated by not letting the team down and others are more motivated by beating someone else on the team. Those are all proper ways to motivate people and if you don't know how someone is going to react you can try one but it might not hit them right. What could be very difficult for a manager is quickly discovered by Worxogo. [15:12] Who we perceive ourselves to be is not always what we exhibit as a behavior. [17:38] The engine assumes that nobody is motivated by the same thing every day. [20:13] The system allows each person to be themselves and figure out the right way to help you get, reach, achieve, and exceed your goals even if you work differently from others on your team. [22:17] As a manager, it gives you the situational advantage for every individual on your team. [25:53] If managers look at the lead indicators and the activities that their team is doing and you build the habit to talk to your team about those, it builds you as a manager as well. [27:40] Often organizations have a system, but it just isn't being used and the nudge coach is very helpful to make sure the tools start getting used. [29:38] By nature, if you ask more you will get more. [30:53] Any team where you have a set process, you have some basic CRM in place, and you are looking to increase productivity a nudge coach will deliver the outcome for you. [31:34] Case studies and their newsletter can be found on their website. [32:09] Behavioral science can make an impact and this is the future of work. The ways of working are completely changing and the current tools are not enough. [34:23] Melina shares her closing thoughts. Do you want to hire Melina to do work with your company? Email melina@thebrainybusiness.com [34:40] A study Melina found in her research said that over 80 percent of people currently in management roles don't have the talent to be a great manager. It also said that 1 in 10 is a natural-born manager, two more can be taught, and the other seven out of 10 are not suited for the job, and using past methods can never be. [37:27] Everyone deserves a great manager. Worxogo can help make that a reality. [39:09] Thank you again to everyone who has subscribed, rated, and left those five-star reviews of the podcast. I appreciate you and please keep them coming. Thanks for listening. Don't forget to subscribe on Apple Podcasts or Android. If you like what you heard, please leave a review on iTunes and share what you liked about the show. I hope you love everything recommended via The Brainy Business! Everything was independently reviewed and selected by me, Melina Palmer. So you know, as an Amazon Associate I earn from qualifying purchases. That means if you decide to shop from the links on this page (via Amazon or others), The Brainy Business may collect a share of sales or other compensation. Let's connect: Melina@TheBrainyBusiness.com The Brainy Business® on Facebook The Brainy Business on Twitter The Brainy Business on Instagram The Brainy Business on LinkedIn Melina on LinkedIn The Brainy Business on Youtube Join the BE Thoughtful Revolution – our free behavioral economics community, and keep the conversation going! More from The Brainy Business:
In this episode of Our Best Behavior podcast, Alex Hunt (CEO, Behaviorally) introduces our new tagline, “The Transaction Experts” and delves further into why we have chosen this new positioning. This includes answering questions such as: “What does this new tagline mean? Why change now? What does this mean for Behaviorally's clients?” and more. The Our Best Behavior Podcast is hosted by Matt Salem (Senior Vice President, Client Development).
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In this episode, we are discussing how trauma shows up behaviorally in children. This is really going to help us as children's ministry leaders to identify and more clearly understand some of the tough behaviors we can experience in our ministriesWelcome to the INCM Podcast.For more information on the INCM or Trauma Free World, click the links below.This twelve-episode season will launch on April 8th and will release each Friday.Link:incm.orgFacebookInstagramMembershipTrauma Free World Website
Empower yourself with additional Resources for Lucidity: https://snooze2awaken.com This episode is also available as a blog post: http://snooze2awaken.com/2021/01/17/study-masks-harm-schoolchildren-harmed-physically-psychologically-behaviorally-by-creating-24-distinct-health-issues Visit Natural News: https://www.naturalnews.com
E-Commerce sales are about to cross 1 trillion dollars for the first time in 2022 and there's a tremendous opportunity for brands to reach new customers. But the digital shelf is complicated to manage. In this episode of Our Best Behavior Podcast, Sean McAndrew (SaaS Sales Director of Behaviorally's eFluence™ technology division) discusses the creation of eFluence and our AI-powered platform that can help increase conversion rates by 50%. The Our Best Behavior Podcast is hosted by Matt Salem (Senior Vice President, Client Development).
Held CEO roles in both plc and PE environments (including through a take private). A dynamic, strategic thinking, customer focused leader specialising in CX, MRX, data and insight consultancy with a focus on using tech to deliver evidence based, commercially grounded solutions. Proven track record of running transformation projects and launching successful start-ups in Europe and Australia. Consistently achieved double-digit EBITDA growth for a decade at Chime Communications.Qualified chartered accountant with both client-side and agency c-suite experience (having also run advertising/marketing services/customer functions for blue-chip brands such as BT, Royal Mail, Post Office Ltd & Dixons Stores Group).UK representative for ESOMAR; Board Director, MRS (past Chair) as well as a fellow of the RSA, MRS and the ICAEW. Currently engaged as the Senior Advisor at US tech/AI firms mTab and Behaviorally as well as consulting to Fortune500/FTSE100 companies and advising several CEOs in the MRX space (including on M&A activity).Owner of a working farm in the Kent Downs AONB and a commercial kennels & cattery (currently run as a charitable rescue centre).
In this episode of the Our Best Behavior Podcast, Ian Elmer (US Managing Director of Behaviorally) shares a behind-the-scenes look and further insights from our new e-book “The Power of Packaging to Drive Shopper Growth.” This resource compiles over 50-years of best practices learnings on pack design into one reference tool. Have you downloaded your copy yet? Matt Salem (Senior Vice President, Client Development) hosts The Our Best Behavior Podcast.
In this episode of the Our Best Behavior Podcast, Alex Hunt, CEO of Behaviorally, joins us to discuss the technology disruption improving insights, why the human element will always be critical, and what Behaviorally is investing in for 2022 and onward. The Our Best Behavior Podcast is hosted by Matt Salem (Senior Vice President, Client Development).
Stephen Honovich, Director of Client Development at Behaviorally, joins us to discuss holiday eating habits, diet culture, driving purchasing behaviors in health-minded shoppers, and communicating natural propositions on pack inspired by his own health and fitness journey including becoming a NASM certified personal trainer. The Our Best Behavior Podcast is hosted by Matt Salem (Senior Vice President, Client Development).
What happens in Vegas stays in Vegas except for GroceryShop 2021. Jola Burnett, VP at Behaviorally, joins us to discuss her most significant takeaways from our first in-person conference since February 2020. Listen to this episode to hear about the future of B.O.P.I.S. (Buy Online, Pick up In-Store), the Livestream shopping trends that are about to hit the West, and the grocery tech giving Jola hope. The Our Best Behavior Podcast is hosted by Matt Salem (Senior Vice President, Client Development).
Michele Cerullo-McCorry, VP of Client Development, joins us to discuss the importance of diversity and inclusion in our industry and why Behaviorally's Diversity and Inclusion Team has focused on human resources, business practices, philanthropy, and our new research review panel. We also discuss ways companies can broaden their pools of potential candidates during this “great resignation,” how to improve screeners, and making research reporting more inclusive. Matt Salem (Vice President, Client Development) hosts the Our Best Behavior podcast.
Adrian Sanger (Innovation Director, Verve) and Ruben Nazario (Vice President, Digital Shopper Innovation, Behaviorally) explain why Flash.PDP™, Behaviorally's AI-powered tool for optimizing PDP Images, can help our clients excel at the digital shelf to drive shopper growth. Podcast hosted by Matt Salem (Vice President, Client Development)