Podcasts about bep

Welcome back to Business English Pod for today's lesson on how to manage the discussion during a meeting in English. Bad meetings can waste time and leave everyone confused. But a well-run meeting can help create new ideas, solve problems, and move a project forward. Running a great meeting is about more than just following […] >>> The post BEP 43c – Meeting English: Managing the Discussion first appeared on Business English Pod :: Learn Business English Online.

Jason and Jeff delve into the volatile market landscape of 2025. They discuss the implications of tariffs, inflation, and their personal investment strategies during turbulent times.02:29 Market Trends and Personal Portfolio Insights07:26 Tariffs and Their Impact on the Market17:28 Investor Strategies and Market Reactions24:54 Reflecting on Market Timing and Cash Management25:48 Changing Investment Strategies Over Time26:21 Challenges of Building Cash Reserves26:29 Debating Cash Deployment Systems27:19 Market Volatility and Investment Decisions29:13 Balancing Cash and Stock Investments31:42 Inflation and Market Reactions39:25 Concerns Over Government Debt and Bond YieldsCompanies mentioned: ASML, BBB, BEP, FSLR, KNSL, LOB, WD, WRBY*****************************************Join our PatreonSubscribe to our portfolio on Savvy Trader *****************************************Email: investingunscripted@gmail.comTwitter: @InvestingPodCheck out our YouTube channel for more content: ******************************************To get 15% off any paid plan at finchat.io, visit https://finchat.io/unscripted******************************************Listen to the Chit Chat Stocks Podcast for discussions on stocks, financial markets, super investors, and more. Follow the show on Spotify, Apple Podcasts, or YouTube******************************************2025 Portfolio Contest2024 Portfolio Contest2023 Portfolio Contest

Most szavazta meg a parlament azt, hogy hogyan lehet visszavenni a közalapítványba kiszervezett állami vagyont Lázár János titkolja, mennyiért vette műkincseit Bepöccent a kormány a napi egymillió eurós bírság miatt – megvan a válaszlépés! Ne várj csütörtökig a tankolással! Mindkét üzemanyag drágul! Közel 33 milliárdos extraprofitot hoztak a MOHU-nak a vissza nem váltott palackok Terjed az erőszak: bevetik a nemzeti gárdát Texasban is Márciusban még a parizert is hazavitte volna Hajdú Pétertől, ma már Orbán Viktorral váltja a színpadot Tóth Gabi Továbbra is hálapénz és magánorvos kell a jó szülészeti ellátáshoz a magyarok többsége szerint Baljós hangulatú videóban vázolta fel a nukleáris megsemmisülést egy amerikai vezető Még nőtt is az infláció májusban Küszöbön Romániában a megszorítások bejelentése: kedden öt órán át tárgyaltak a leendő kormánypártok Ha már Rossi belengette a pótselejtezőt, megnéztük, ott kiket kellene megverni a vb-re kijutásért Kubatov bejelentette, hogy a Fradi nem fizeti meg az MLSZ-nek a szurkolói rendbontásokért kiszabott bírságot Garantált a strandidő a hétvégén A további adásainkat keresd a podcast.hirstart.hu oldalunkon.

Most szavazta meg a parlament azt, hogy hogyan lehet visszavenni a közalapítványba kiszervezett állami vagyont Lázár János titkolja, mennyiért vette műkincseit Bepöccent a kormány a napi egymillió eurós bírság miatt – megvan a válaszlépés! Ne várj csütörtökig a tankolással! Mindkét üzemanyag drágul! Közel 33 milliárdos extraprofitot hoztak a MOHU-nak a vissza nem váltott palackok Terjed az erőszak: bevetik a nemzeti gárdát Texasban is Márciusban még a parizert is hazavitte volna Hajdú Pétertől, ma már Orbán Viktorral váltja a színpadot Tóth Gabi Továbbra is hálapénz és magánorvos kell a jó szülészeti ellátáshoz a magyarok többsége szerint Baljós hangulatú videóban vázolta fel a nukleáris megsemmisülést egy amerikai vezető Még nőtt is az infláció májusban Küszöbön Romániában a megszorítások bejelentése: kedden öt órán át tárgyaltak a leendő kormánypártok Ha már Rossi belengette a pótselejtezőt, megnéztük, ott kiket kellene megverni a vb-re kijutásért Kubatov bejelentette, hogy a Fradi nem fizeti meg az MLSZ-nek a szurkolói rendbontásokért kiszabott bírságot Garantált a strandidő a hétvégén A további adásainkat keresd a podcast.hirstart.hu oldalunkon.

Learn how to start a meeting in English. >>> The post BEP 42c – Meeting in English: Starting a Meeting first appeared on Business English Pod :: Learn Business English Online.

In de podcast de Warming up hoor je elke week een interview met een Zaanse sporter of coach. Met Edwin Kleiss bespreken ze een wedstrijd van het aanstaande weekend. Deze week is dat Michael Hendriks. Met KVZ '23 speelt hij een kampioenswedstrijd in de Hoofdklasse tegen BEP in Purmerend. Dat is ook zijn nieuwe club vanaf volgend seizoen.

Telefoons onderin de fruitschaal, een kop koffie in de voorraadkast. Nérgens kijken we meer van op. Wat is het toch troostend om van luisteraars, die ook zo extreem snel afgeleid zijn dit soort dingen te lezen. De volgende keer dat je je paspoort terugvindt in de douche of niet meer weer waar je auto staat, weet dan: je bent niet alleen. Met een gids uit 1957 van een geïrriteerde kunstprofessor weet je op vakantie in Italie natuurlijk nooit wat je kunt verwachten. De zucht naar avontuur en cultuur brengt je op gekste plekken, zoals op een snelweg die 45 graden stijgt onderweg naar Fiesole. Het gegeven, dat je de tips in een in-flight magazine niet goed aan elkaar hebt gekoppeld helpt daarbij niet. Toch kan een klotesituatie ineens omklappen naar iets onvergetelijk fijns, voor zowel de gestrande fietsers als de mannen van staal in de kopgroep.Tot op welke hoogte mag je je vrienden lastigvallen met je eigen problemen? Een moeilijke vraag, met vele antwoorden. Wat in ieder geval altijd goed werkt, is wederinteresse tonen. En vragen: ‘zeur ik niet teveel?'. Maak je gezeur smakelijk en spreid het waar je maar kan. Dat helpt ook. Vrienden mogen trouwens altijd stom, onredelijk en koppig zijn. Daar zijn het je vrienden voor.Aafs goeroe heeft het Weggeven tot een hogere kunst verheven. Dankzij haar valt je mondje open van ontroering bij zoveel kunst en kunnen we dit alles, om weer eens met Bep, de moeder van Lies te spreken, in onze innerlijke rugzak stoppen.Saily: krijg nu een exclusieve korting van 15% op Saily eSim data plans! Gebruik de code [aafenlies]. Download de Saily app of ga naar https://saily.com/aafenliesGa ook aan de slag met het Honderzoek, ontdek meer op www.OHRA.nl/honderzoek Hosted on Acast. See acast.com/privacy for more information.

In Episode 134 of White Canes Connect, host David Goldstein is joined by Pam Baquero, President of the Pennsylvania Association of Blind Merchants, for a lively preview of the upcoming Spring Fling Blind Vendor Showcase, taking place May 17 at the Best Western Premier in Harrisburg. This high-energy event celebrates blind entrepreneurship with food, music, raffles, and a marketplace of blind and visually impaired vendors from across the region. Pam details the schedule—4 PM to 10 PM—and teases the delicious hors d'oeuvres (yes, including Guinness beef) and live DJ. Guests can expect auctions featuring items like a $379 cocktail maker, a web design package valued at $2,500, and a $250 Best Western gift card. Vendor tables are $50, tickets are $25, and sponsorships start at $50. The event supports blind business owners, including those in and outside the Business Enterprise Program (BEP), and is open to the public. Pam also shares updates on BEP training relaunches and reiterates the need for visibility, education, and support within the blind entrepreneur community. Whether you're blind, sighted, curious, or just want a solid quesadilla—Spring Fling welcomes you. Visit https://www.pablindmerchants.org/spring-fling/  for details. Bring friends. Bring cash. Bring your appetite. Show notes at https://www.whitecanesconnect.com/134        Links Mentioned Attend Spring Fling Blind Vendor Showcase: https://www.pablindmerchants.org/fling/  Exhibit at Spring Fling (sorry, blind & low vision vendors only): https://www.pablindmerchants.org/exhibit/  Sponsor the Spring Fling Blind Vendor Showcase: https://www.pablindmerchants.org/sponsor/  Have you checked out Federation Focus yet? https://www.youtube.com/@nfbofpa/  An Easy Way to Help the NFB of PA Support the NFB of PA with every purchase at White Cane Coffee Company by going to https://www.whitecanecoffee.com/ref/nfbp. When you use that link to purchase from White Cane Coffee, the NFB of PA earns a 10% commission! Share the link with your family and friends! Listen to Erin and Bob Willman from White Cane Coffee on episode 072 of White Canes Connect. Donate to the NFB of PA Like what you hear on White Canes Connect? Support us and donate to the National Federation of the Blind of Pennsylvania, visit https://www.NFBofPA.org/give/. We Want to Hear Your Story Reach out with questions and comments, or share ideas! We want to hear from you. Call us at (267) 338-4495 or at whitecanesconnect@gmail.com. Follow White Canes Connect Find out why White Canes Connect is currently ranked at #13 of the 100 Best Visually Impaired Podcast. Find the show on: Apple Podcasts: https://podcasts.apple.com/us/podcast/white-canes-connect/id1592248709  Spotify: https://open.spotify.com/show/1YDQSJqpoteGb1UMPwRSuI  YouTube: https://www.youtube.com/@pablindpodcast 

We're celebrating a major milestone with the return of our very first guests: Kristen Mackey, Director of Arizona Combined, and Natasha Jerde, Director of Minnesota Blind. As Vocational Rehabilitation leaders navigate rising demands, shifting funding, and major structural change, Kristen and Natasha join us again to reflect on the post-pandemic landscape—and how it's testing directors like never before. From managing centralized services to sustaining staffing under fiscal strain, they share the real-world challenges that keep them up at night—and the strategies they're using to adapt. With transparency, persistence, and a mission-first mindset, these leaders dive into: ·       Navigating state and federal priorities ·       Responding to workforce volatility ·       Staying connected to data and purpose Their insights are a must-listen for anyone leading in today's VR environment. Tune in and be inspired to lead with clarity and resilience.   Listen Here   Full Transcript:   Natasha: Our program income is significantly dropping. The inflation, the cost of services. We've had four and a half and 5.5% salary increases with no additional state appropriations. So all of these things together keep me up every single night.   Kristen: We want job placements, we want employment, we want independence. If somebody's saying increase your job placements, fine, we can do that. It's how do we then take what they're giving us and make it not be a distraction, and we can mold to the thing that they want, but still do it at the base level.   {Music} Intro Voice: Manager Minute brought to you by the VRTAC for Quality Management, Conversations powered by VR, one manager at a time, one minute at a time. Here is your host Carol Pankow.   Carol: Well, welcome to the manager minute. Joining me in the studio today is Kristen Mackey, director of Arizona Combined, and Natasha Jurdi, director of Minnesota Blinds. So how are things going in Minnesota, Natasha?   Natasha: I think the Minnesota word for today is going to be interesting. It's interesting. How about I leave it at that and I'll talk a little bit more as we dive into the questions.   Carol: Awesome. That is interesting. I want to know about that. How about you Kristen? How's it going in Arizona?   Kristen: You know what? I think I might steal Natasha's word. There's so much happening. We're trying to keep managing and keep abreast of all of the changes that come out on the news and everywhere, trying to keep centered and just keep doing what we do to get the work done. It's been a lot of fun.   Carol: Well, I couldn't think of two better people to bring on because this is super exciting. This is actually our 50th episode of The Manager Minute, and I couldn't think of a better way to celebrate the milestone than by bringing back my two incredible guests from episode number one in May four years ago. It's so crazy. And back then I just laughed. We were diving into the world of post-pandemic VR. What's it gonna look like? How are we going to navigate all these changes? You guys were working on things like electronic signatures and how you equipped your staff, you know, to work remotely and all of that. So a lot has changed since those early days, and I'm excited to catch up with you both to see how far that you've all come. So just reflecting back to my time as a director, I remember many a sleepless night and Natasha can attest to that. I remember coming to a meeting like, I don't sleep at night and I keep a pad of paper by my bed. And it was so funny. I heard a director tell me they did the same thing. This was a month or so ago. They were like, you know, I keep this pad of paper by my bed because, you know, we were worried about so many things. There was WIOA implementation back then, and we had a less than stellar monitoring report and a financial picture that was super tough and it just wasn't very pretty. And so I kept that notepad because in the middle of the night was always my best thinking I'd wake up, I'm like, oh, I gotta write this down. And so I can remember in the morning. So I know now, four years later, from talking to you all last on the podcast, the pendulum has certainly swung in a new direction, and I'm really eager to see how things have evolved for the both of you. You know, like what's changed, what's stayed the same, and what lessons have you learned? So let's dive in. So, Natasha, will you kick us off and just give our listeners a little snapshot about yourself and the agency that you lead?   Natasha: Sure. So I have worked at State services for the blind since I was a baby intern 2008. I have been a deaf blind counselor, a supervisor, the director of our policy and program administration, and I became the director in August 2019. Our agency, we have about 140 staff across the state. We have a Voc Rehab program, an older blind program, our Randolph-sheppard program. But we also have a communication center where we do braille audio transcription and have a radio reading service. So we have a little bit of everything at State Services for the blind. We've grown a bit since 2019. Yeah, there's a lot of fun.   Carol: It is a lot of fun. Blind agencies are always near and dear to my heart. And since I came from Minnesota blind, Natasha knows that I just love that whole variety and all of the work. It's so fun. Kristen, how about you give our listeners a little snapshot about yourself and the agency that you lead?   Kristen: Sure. Similar to Natasha, I started as a VR counselor in the field transition. That was my first job in first entrance into VR. I moved into policy manager policy and then became the director of the Arizona Combined Unit in 2016. Arizona is combined and we are also under a safety net agency. All of the VR, IL OIB, BEP is in a division. That division is in a department. So our DSA is really rather large and we are kind of shuffled 3 or 4 deep down. So we have enterprise services, shared services, which makes things a little bit more difficult to manage than it was when I started the job, when we didn't have some of those other items. So it's been a learning lesson and trying to figure out how do we get done what we need to get done with all these people involved now.   Carol: Yeah, your structure makes me nuts. I'm just saying, full disclosure, but having gone on site with you and your team several times, I'm like, what? You have to always explain. We had DIRs and we have this other thing and all these different levels. I'm like, oh my Lord, I just don't even know how you do it. So I know there's been a lot of big changes since we spoke last, so I'm going to kick it to you first. Natasha, what are some of the biggest changes you've seen in your program since we last spoke?   Natasha: I was actually talking to one of my outreach coordinators, Lisa Larges, and she's like, I think you brought some bad juju because the timing when I started and then everything that happened since I started has just been wild. So since we last met, I've experienced a global pandemic, a civil rights movement that essentially started literally down the street and around the corner from our headquarters. A roller coaster ride of funding at both the federal and state level. We went from having too much to now we don't have enough. We have a new federal administration with very different priorities than we have seen before. We have settled into this new hybrid work, which isn't new anymore. It's kind of our new normal. It's just been, I think you name it, it has changed or it's different or it feels different or it looks different. I think the biggest question right now that we're all faced with is, in light of all of these changes and challenges and opportunities, how do we maintain the integrity of the program, continue to provide high quality services that get people into competitive careers and retain the staff that we have worked so hard to get. While these past few years that's been a focus of a lot of our agencies is how do we recruit? And now with everything happening, is all of that recruitment efforts going to go to waste?   Carol: You know what's kind of funny when you talk about that? Because I look back to when I started at SSB, you know, and so in 2013 I become director. You go at the very end of the year, I was the interim and then made permanent in 14. And you just go, okay, I thought I brought bad juju with me to because WIOA went into play and then we had all this wacky stuff going on. We owed all this money for the case management system. So now, you know, just hearing you, it's like, well, maybe it's just the cycle of the program. Like there is no spot in time where everything is ever just copacetic and all smooth sailing. I think it just continues on.   Kristen: I think that I really feel like that's so good to remember because I think you can in this position, you can take a lot of things like, oh my gosh, am I not doing this right? What skills don't I have? How am I not doing this, that or the other. And it just is a constant. Like it just changes constant. And you have to constantly readjust your focus and your priorities and your strategy. And so it's helpful to remember that our environment is constantly changing at state and federal level. And we just have to be able to manage and navigate and not beat ourselves up over it.   Carol: Oh, that's a super good point. Natasha's going to laugh at this, but I'm actually going to hold up so our listeners won't see it. But I still have my Strengths Finder. So we used to always do strengths Finder at SSB. I still have my top five strengths. And staff used to ask me one of them is adaptability. So my fifth strength was adaptability because people would be like, how can you just roll with the flow? Like you need to just tell like Central Office, we're not going to do that thing that they want for the legislative session. And I'd be like, okay, we're going to pick our battles. That is not the battle we're going to pick right now. We're going to answer the question they need, because the sooner you do that, you get that off your back and then you get back to your business and do your things. And so for me, it's easier because in me is adaptability. I've always been able to kind of go with the flow, whether administration changes or, you know, any of that, where that is more difficult for other people when you want things to be very set and it's hard for you to pivot and make that move. So, Kristen, what are some of the biggest changes you've seen in your program in the last four years?   Kristen: Wow. Well, as I indicated, the state was kind of in that move and shift to centralized services, you know, some of those shared service models. So, you know, it started with our training department and, you know, but we got to keep our policy and we got to keep our contracts and procurement. And the next thing you know, like air moves out and then, oh, we're going to move out all of your facilities management. And so slowly, piece by piece, the staff that you had working with. You have been now pulled to a different reporting structure and a different requirements to do their job. And so when, you know, we used to have a staff of like 500 people that were fully dedicated on board, directly connected with me, I had direct relationships with them. I was able to really work with them. And over the last five years, I've seen that direct connection and relationship with people fade out because those folks are no longer in those positions. They've graduated or moved to other things. They didn't stay within the agency. So, you know, within our VR program, IOB program, BEP, those program staff super dedicated and want to really fulfill the mission of the work in serving individuals with disabilities. And then we have all of our shared service team dedicated to their job to don't necessarily have the same focus on the mission and the outcome of serving individuals with disabilities. It's been very difficult to try to figure out how to play nice with them, because they got to do stuff for you, right? I need you to manage my budgets. I need you to manage my contract. But I also, you know, don't quite like the way you're doing it or you're not doing it fast enough or you're not following my vision for how that would work. So it's just been a real challenge to see how to grow and manage the different structures that are in play now.   Carol: I think you hit the nail on the head on that with that centralization, because it's happening across the country. I mean, we see it everywhere. Every director like just struggling as your people move out from under you, whether it's the IT, the HR, the whoever you had. And now they're centralized, which Congress allows. It was written in the rehab Act, like you can structure that way. But they lose that connection to the mission and what you're trying to do. So when you're doing that work sort of in isolation of what's the end game and how you impact, you know, the staff person having their computer so they can do the work with the customer. You don't see that urgency in it. So it's like, yeah, so we get to you in two weeks, you know, really need your computer or whatever. It's just hard. It makes the job so much harder. So I know not only those changes have happened, the financial landscape is shifting drastically for the VR program. How has this impacted your ability to serve individuals? And Kristen, I'll send it your way first.   Kristen: We've been fortunate in that Arizona with the formula grant. You know, we still receive a little increases every year. So the not getting the cost of living this last year was not as impactful as it had been to some other agencies. So I do, you know, knock on wood for that a bit. Now if that continues we're going to have another, you know, constantly evolving story there. We have had to take a look at for our cases. How do we spend more money faster. And that's been again the challenge of working with shared service opportunities is, well, they don't have capacity to put these contracts in place that I need in order to be able to spend the money that we have, right? We have been successful in keeping it in the VR bucket, but now we need to spend it on our consumers and our clients. But I need a contract to do that and don't have the resources or the capacity from that team to be able to put that out the door. So it's super challenging to know that you're sitting on money that you could spend and do a lot of good things with, but there's then that external factor of not having the capacity to put all of that together to get that money spent.   Carol: So you're in actually a pretty lucky position. You know, other people listening to this podcast are going, What? Kristen Mackey, you've got all this, you've got all this money. Because almost all the calls I get on a daily basis with my list of people all going on the order of selection, I keep a little sticky note, you know, and everybody calling and just frantic. They are literally like tapped out. There is no money, but yet you're trying to spend your money and you don't have the resources to really help you get some of the plans in place.   Kristen: It is challenging, but I feel fortunate that I'm challenged on that end of the spectrum versus the end, where there's not enough money or capacity or staff resources. One of the other pieces, too, is, you know, in this current landscape, budget wise, can't bring on as many people as we would like to, you know. Can't do all of the support services that we or support staff that we would like to. So downsizing your footprint, right? All of that, those are our major expenditures. And we're asked to shrink that. It creates a really kind of a nightmare for projection and and budgets all of that.   Carol: Oh, 100%. How about you, Natasha? How's the finances looking at SSB?   Natasha: It's getting tight. It's getting tight. We were on the other side of that a few years ago. We had more money than we could spend, and we used that as an opportunity to do things that we've always wanted to do or needed to do, and we never had the funding to do it, but we always did things that we could course correct quickly on them or aren't forever. So we didn't make a lot of permanent decisions with that money because the writing was on the wall. We knew that once the pandemic shifted, we were going to see an influx in applications. Inflation was already on the wall that prices were increasing. So we made some, I think, pretty strategic and smart decisions with the money we had and how we spent it. However, it's still tight because we are getting an increase in applications. The cost of services is increasing. We ended our order of selection September 2021. I have no desire to go back there for me. I don't even want to speak it out loud. I know it's an option. I know I may need to use it one day. I can't say never, but I don't think that is the best direction for us because people need our services just as much as before, if not more. And for individuals who are blind or low vision or deaf blind, there really aren't any comparable options available, at least in Minnesota. And we're here for a very specific reason. And so I have always said it's my responsibility to ensure that we can continue doing what we are here for. That may mean that services are going to take a little bit longer to get started. We are increasing our supervisory oversight. We have a ton of financial reports, which I'll talk about in another question that have helped us get ahead of sudden spikes that we're seeing so we can do those course corrections. This also may mean that we're not backfilling or we're freezing some of those positions for a little bit that aren't essential. I'm using the term we're going to freeze, flick or fill, and every position that's our litmus test will freeze it, meaning we don't need it right now. It's not essential for service delivery. We'll revisit this. Flick means you know what? This position really isn't serving its purpose anymore. Let's figure out a different way of doing the work or fill. And we've prioritized counselors and VR techs and anyone doing direct service provision. But it's also all of this is going to force us and continues to force us to find new ways of doing things, which I don't think is a bad thing. One of the goals I've put in place this year is that all of the extra noise. You know, that can happen when you're working in a state government agency. Things that pretty much distract you from what you're supposed to be doing. My goal is we don't do those things if it doesn't stem back to our mission and actually help people get jobs or live independently, we're not going to do it. And I told that to the commissioner's office. You can ask me all day long to do all of this extra stuff, but it's not serving a purpose for us. I'm sorry. I'm not going to do it. And they've been okay with it so far.   Carol: That's awesome. Until you get a legislative request that they need you to answer in ten minutes and analyze.   Natasha: Yeah, I can't say no to those. Yeah, all these extra work groups and task forces and let's do this and that. We got other things we gotta do.   Carol: So what's the biggest thing, Natasha, that's keeping you up at night right now? Because I know there's always something, something is niggling somewhere. What would you say is the biggest thing keeping you up at night?   Natasha: Well, I have a few, but the biggest one is that. So we're not a combined agency. We have a separate general agency and that separate general agency is an incredibly tight budgetary situation. I would go so far as to say they're in a budgetary crisis, and because match maintenance of effort and carry forward determinations are at the state level, not agency, it is very possible that their constraints will impact our funding. And specifically I am very worried are Carryforward is in jeopardy. And we had a scare where we had a very high chance of losing all of our carryforward this last end of the federal fiscal year. Because of those budgetary constraints, the general agency is doing workforce reductions and doing layoffs, and they have the same type of staff classifications that we do. And we are a union state, which means bumping, which means my staff are in jeopardy. And so I'm up every night between 2 and 3 a.m. thinking of ways that we can help in any way possible. Our program income is significantly dropping. I think I've heard other states experience something similar. The inflation, the cost of services. We've had four and a half and 5.5% salary increases with no additional state appropriations. So all of these things together keep me up every single night trying to figure out how do we sustain.   Carol: Now they're going to keep me up at night, too, because of course, I worry about you all. And of course, I really worry about SSB. So I always hold that near and dear to my heart. But oh man, that is a lot. But I know you instituted some things, though, between you and the general agency, just to make sure you guys were communicating better about those financial reports and such, didn't you? Like, what did you do?   Natasha: We have an amazing relationship. We review our federal reports together. I sat closely with the VA's fiscal team, walking through what I know about the fiscal processes, the federal regulations. That's something that Carol taught me very well. I understand it quite well. So we worked hand in hand. We've been doing that since October.   Carol: That's good. Good stuff. How about you, Kristen? What's keeping you up at night?   Kristen: We had a recent monitoring that monitoring. We get through it, Right? And, you know, you haven't always have an inkling of things that need to be fixed and things that we should address, right? And sometimes those get shuffled because priority is whatever. So we had the monitoring very much highlighted certain areas that we need to address and take care of. And one of those was our fiscal management and continue as managed outside of my direct staff and even two and three layers above me. So it's one of those concerns of like, I wonder what's going to happen next. I never quite know what the fiscal situation is going to be. Emails flying around, you know, I'll get an email at the end of the day and it's I need more information. What is this about? How did you come to this conclusion? Who was involved in making this decision? It's kind of just a plethora of items that, you know, any given night, and mine is usually between 3 and 4. Like, oh, wake up and go like, oh, shoot, that sticky note fell off the roster somewhere. I need to go and send that email or this project. We started it, but now it's like kind of hanging, languishing. I need to poke somebody about getting that back on the roll again. I don't know that it's one specific thing, but it's just kind of just the size of the job is not a 40 hour a week job. It is a all encompassing. I dream about work. I it wakes me up at night, you know.   Carol: Well, my newest trick with not having my notepad beside my bed, but I actually been waking up more just because I've had so many more phone calls. Things have been really crazy lately with our fiscal team and people just reaching out. And so maybe end of the day or, you know, people's time change, you could get a call from Guam. You know, it's a way different time. So people are calling all the time. So now at night when I wake up, I text myself, you know, a note like, just so I remember, like remember to get back to so and so tomorrow. So now I just am picking up my phone. I don't have the pad there anymore, but I had two messages from last night for today that I didn't want to forget.   Kristen: I sent texts because I don't put my work phone by my side, but I have my personal. So my work cell phone is embedded in my personal and I just send text to myself.   Carol: Yeah, my work and my personal are all together, so it makes it a little challenging. So I know we're going through an administration change on the federal level right now. And a lot of state administration, you know, that changes every four years to with governors, sometimes you keep a governor twice in a row, but a lot of times not. And it will bring these shifts in priorities and just all of this change. How do you guys navigate and adapt to those changes, whether it's on the state level or federal level, when you're approaching your work? And I'm going to kick that to you, Natasha, first.   Natasha: I think the biggest thing, at least for us, has been a lot of communication and transparency, not only with our staff, but our customers, our community partners and stakeholders in the face of unknowns. People look to steadiness and information even if you don't have a lot to share. The absence of information often speaks very loudly, and people will fill in the blanks, sometimes not in a way you want them to. So we are communicating frequently, even if we don't have information. People look to me, am I panicked or am I calm? And know if I am panicked, it will not be good. People feed off of that and so I am always calm. I am always just. I can't guarantee or promise anything, but I can say we're in this together and I remind everyone why we're here. We have a mission. As Carol knows, the mission is on the wall. We look at it frequently and nothing has changed. No matter what happens federally or at the state level, that mission has not changed. We have proved that during a global pandemic. VR agencies are adaptable, creative for us in Minnesota, SSB was one of the first agencies, if not the first, allowed to go back into people's homes and provide services. That's because we know how to do things quickly and strategically to respond to whatever comes our way. We don't wait for people to tell us what to do or how to do it. We take charge and we lead the way. And I feel that is how VR is across the country. We tend to be leaders in faces of crisis and urgency. We tend to step up when others don't.   Carol: Yeah, good advice. That's all good advice. Kristen, how about you? Because you've had major shifts. I mean, you've already alluded to this, this whole like take away your people. And that's been all shifts in the structure within the state government and such. You know we've got the federal different priorities. So how do you navigate and adapt to those changes in your work and for yourself, even, like how are you taking care of yourself through all this.   Kristen: Being able to adapt the work that we do? Natasha says that we have a mission. We have a very clear outcome that we have whatever side, whoever's telling you what they want to do or how they want to do it. You need to be able to mold what that strategy looks like so you can speak to it. And I always talk about it. It's a spin. I don't like the terminology of spinning, you know, for the sake of trying to hoodwink anybody or not be transparent. But at the end of the day, we want job placements, we want employment, we want independence. So if somebody's saying increase your job placements, fine, that we can do that. It's how do we then take what they're giving us and make it not be a distraction and we can mold, you know, whatever we're measuring to the thing that they want, but still do what we are doing at the base level. And so I do feel like that's really part of our job as leaders is to and Natasha spoke to this earlier is take that noise and then see how we can like get it to stop with us and push it back in a way that still supports the work we're doing, whatever comes to us in terms of work group where you need to measure this, or we want some kind of change in X, Y, or Z. Okay. I can give you this back that will meet your needs. And it doesn't change or distract from what I'm doing in our department or in our programs. I think it's just being flexible in your thinking, being able to not have to have a certain way of approaching things, because you got to understand what that landscape is. You got to speak the words that they're speaking in order to get them to listen to you and kind of play with you so that we can all get to the same end goal.   Carol: One thing I've seen from you, Kristen, just working with you these past years in my TA capacity is I'm like, I love your persistence because you've had to navigate this really tough, internal, weird structure. It just is weird. And you are super persistent in messaging. Okay. Like you send a message to this person, oh, I'm not the person. Okay, then who is the person? Okay, I'm going to go to this person and you will not let it go till you find till the end the little trail of crumbs you get to and you're like, all right, I'm finally getting to the person because I have to get this thing answered. Some people just give up. They're like, oh, I don't know. And then staff ask and you're like, well, I don't know. We don't know who's doing what. Oh not you, you. You don't let that happen.   Kristen: That is one piece of advice I give to people when they come on. This is a state government, federal government, there are all sorts of red tape, barriers, hoops. Everything will get in your way if you let it. You're going to have to be persistent. Don't get jaded with it. Don't give up. Just know that you're going to have to be persistent with getting to the thing that you want to get done.   Carol: So switching a little bit. There's a lot of different structures in hiring VR agency leaders. I mean, you can be a political appointee. You can be more of a career professional where maybe you have some protections, maybe it's not a full blown union, but you got something. And we've had 14 new directors in the last less than ten months. Again, 14 new directors in VR. You know, people don't always realize like, how does that and each of you represents a different bucket here. How does that distinction, whether you're a political appointee or you have a little more protection influence your agency. Kind of how you approach the operations and your decision making. And I'll ask you first, Natasha.   Natasha: I am a career professional. I'm the highest level you can go before you start hitting the politically appointed positions. So that means I get the privilege of bringing some stability to the agency. Granted, that doesn't mean I can't get fired or laid off, but I am not politically appointed. So when the administration changes, I don't change with it. So that means staff can expect some consistency, and they don't have to wonder who's going to be coming in now to shake things up with their own ideas and views. They know what my priorities and goals are. They know how I work and they know what to expect. And so I have the luxury of time to create a culture that will sustain anything that comes our way. I have the time to develop that succession plan, offer professional development and mentorship opportunities. But when I was thinking of this, I can see the value of Having fresh new faces, coming in with different perspectives and experiences, and that they may have a better idea for how we do things. You know, we talk about people who have been in the position for 30, 40 years. Is there some value to having that new life coming into an agency? So I recognize that being a career professional could also be a limitation of mine, which means that I really need to surround myself with people who think differently from me, and I can't get stagnant.   Carol: Yeah, that's a really good point. Although there are very few 30 year or 40 year career leaders in the VR program anymore, I think we got Diane Delmas out in Vermont and Greg Trapp, those are the two I always think of. Otherwise, boy, people have been coming and going pretty fast, but that is good advice because you can get a little stuck. Now, Kristen, you're on the other end of the spectrum because you are a political appointee.   Kristen: I am not a political appointee, but I am an at will employee.   Carol: Oh, you're an at will though.   Kristen: Yeah,.   Carol: So it's very similar. So you're an at will person, does that impact you at all, like in decision making or as you go about doing your job?   Kristen: Well, certainly. You think, you know, is this decision going to make me the scapegoat for something that goes south, right? So, you know, it does impact my thinking. I don't let it impact whether it's right or wrong. To do that is just my base. You know, you just have to have that gut kind of commitment to. This is what I said. It's the truth. I don't have any qualms about how I do the work or the transparency that I have in the work that I do. So keeping it all above board, hope that that serves you in the end. Natasha, you had a very positive outlook on new people coming in. In my tenure, I've experienced a lot of changes in different people at different levels coming in and not having any idea about the rehabilitation programs that we run. And so it is a kind of a continuing education of individuals who are coming and going to have them see the value of the programs and the way that they need to operate.   Carol: Yeah, I appreciate that. So let's look a little bit at kind of leveraging both of you like this leveraging your data. And we're kind of skipping around a little bit here. But how do you guys like to leverage data to inform your financial and programmatic decisions? Now remember we've got a lot of new directors. We have listeners out there that are they don't know we I get this question all the time. You know, we talk about data informed decision making. People are like, yeah, we talk about it, but what does that mean? And how do you really do it in practicality? So Kristen, what would you say do you have like an example or how do you like to best leverage data when you're looking at making decisions, whether programmatically or financially?   Kristen: Just because I have a little bit more programmatic data that I have access to and ability to manipulate, we really look at that in terms of, you know, when we're setting our annual strategic goals, what is our five year goal? Take a look at what have the last three years look like. You know what the percentage of increase or decrease is? How are we adjusting those things? Use the data to understand where are the gaps, what's not working, and something we expected the needle to move and it didn't. What's not working in that process. And so you know, what lever do we pull to say this is going to be quote unquote a countermeasure for that thing, and then measure that data over the next three, six months. And if there's a change, then we can kind of understand then did that work or didn't it work? I think far too often in our workforce we say, well, this is a problem, but we don't really have any data around it. Should we gather a ton of data for the program to being able to use that data to help inform what decisions or what changes to processes should we be making and how should we make those. And then we can track it to see did it make a difference or what difference did it make? And is it something we should replicate? Is it something we should pull back. So I really like to use our data from our program, you know, participant program data to inform our strategy on what we're going to be doing in the next 1 to 5 years.   Carol: I know before you have presented at CSAVR and showed like you had some really cool ways you were able to look at data and you did a lot of it by your region so you could start narrowing in, because you can have this tendency to go, oh, you look at the data broadly and then you're like, oh, we must have this problem everywhere. Well, you realized you had regions, you know, in your state you're like, well, why am I like spanking everybody? What we write, we need to focus over here.   Kristen: Yeah, we have those metrics. And it's a metric per counselor, per rehab tech, per purchasing specialist. That unit of counselors rolls up to the supervisor. The supervisor rolls up to the program manager. So I can drill down from a state level perspective to a region perspective. Is it a supervisor office problem? Is it a person problem? And that has really helped us understand. Also, where do we need to direct the energies and efforts in terms of making changes.   Carol: Yeah, I really like that. That was really good stuff. How about you, Natasha? What are you doing with leveraging data? Because I know that's in your wheelhouse, too.   Natasha: We actually hired within, like, the last year or so, a data analyst who is skilled in data visualization and being able to take a bunch of raw numbers and tell a story. And we have been working with her to develop not only the programmatic data, which we now have a ton of that we can look at, but also our fiscal forecasting and what's happening on a budgetary level. It is because of those reports which I am getting weekly, monthly and quarterly reports, depending on the nature that we were able to suddenly see this huge, unexpected spike in case services authorizations. Within just a month of it happening, we were able to drill in. What exactly is going on? What are the bucket items that are the red flags we were able to look at by staff member by region, and we found that our interpreters have gone up over 300%, which then led us down to, okay, what's going on with that? What's the story behind the data? We also are every week meeting as a fiscal team. So the three fiscal staff that I have and myself, we meet every single week. I am intimately involved in our federal reporting. I look at every single report that they put together before we submit our 17. We walk through it. I know where we're at with match. I know where we're at with maintenance of effort. I know exactly where our 15% set aside is, and I can tell you that every single month how we're doing and what issues we're going to be facing. And that's because we have the data. If a director never looks at data and doesn't know what's happening in their programs, they're not going to be able to spot issues. You have to know whether you're doing good or you're not doing good. You need to be able to catch those things.   Carol: Yeah. And unfortunately, you have many colleagues across the country. And I will come in and they're being told by like the DSA fiscal staff, hey, don't worry about it. We got it. And so there have been directors of programs of 150 plus million dollars, have never seen a budget report. Zero idea. So literally anything they want to do. Hey, can we send a staff to training? They're asking this group of fiscal people sitting over here because they don't even know what's in the budget. It is the most insane thing I've ever seen. So you really hit the nail on the head. Like, you have to have access and it is required in the law, in the act, in setting up the agency org structure, you have the sole responsibility over the allocation and expenditure of your funds. And how can you have that sole responsibility and not have any data that goes with it? So I preach. Natasha: I will say, data is if you have a legislative ask and you are requesting more funding, the stories are important, but they also want to see the data behind it.   Carol: 100%. And it can't be data that's changing by the day. Oops, we forgot this because I've seen people get burned on that as well. And then the legislators are going, okay, well, this data now is suspect, and I think they need a legislative audit report and review because what are they doing over there?   Kristen: From a data reporting perspective, like having historical data to the same reports they pull, they cannot keep changing the reports that you're changing the methodology of that. That was a lesson learned for us is we had to understand what data we were pulling, how were we calculating the numbers we were calculating. And now we have data since 2018, and we can tell when we've made any changes. And so then we can see what are our trends. What does that look like. How can we use that to help us predict in the future. So that was a lesson learned for me. We came in and it wasn't much in terms of data. We built some reports and then it was like, oh, but now we need to kind of be able to track, oh, well, this thing happened. And that's why maybe that spiked or dipped or we did this thing and here's the change we saw. So we were able to speak to that year over year as well.   Carol: Well super cool. So what advice would you guys have for other leaders out there? All the lessons you all have learned. We can try to read the tea leaves, like where is VR heading in the next few years? But what do you all think? Like what do you think where's VR going? And what advice would you have for other leaders? And Kristen, I'll go to you.   Kristen: I just think remain committed to the mission and the purpose of the programs that we have. we're here to serve individuals with disabilities. We'd keep that at the forefront. And, you know, I heard Natasha say to you, the mission is on the wall, right? We all have our missions. We all have our visions. Just don't let that get buried in all of the craziness that is happening and continue to be persistent. Carol mentioned the persistence. I think that is key. You don't let it drag you down. Don't let it burn you out. Just be persistent and know that all of the work that you're doing is for a good reason, good outcomes.   Carol: Good stuff. Natasha, I'm going to give you the last word.   Natasha: Don't get comfortable with how things are going right now. Speaking to what Kristen said earlier? Things will change, and probably for reasons completely outside of your control. And also remember that easy decisions aren't always the best decisions, and the best decisions aren't always the popular ones.   Carol: Well said. Very true. Well, I appreciate you both. Oh my gosh, I'm so excited to see what you all have done. You're two of my favorite directors. Don't tell the, don't tell the other directors that are listening.   Natasha: Yeah, cut that out, Jeff. Don't have that in there.   Carol: Thanks for joining me today. Sure appreciate it.   Kristen: Thank you.   Natasha: Bye.   {Music} Outro Voice: Conversations powered by VR, one manager at a time, one minute at a time, brought to you by the VR TAC for Quality Management. Catch all of our podcast episodes by subscribing on Apple Podcasts, Google Podcasts or wherever you listen to podcasts. Thanks for listening!

Learn how to manage contracts and purchase orders as part of the purchasing process. >>> The post BEP 415 – Purchasing 6: Managing Purchase Orders first appeared on Business English Pod :: Learn Business English Online.

Millar is joined by the heir to BEP royalty Tobey Crestani ( aka little pig ) to talk all things anzac round

Willy Van den Bergh was directeur van "de kolonie" op het moment dat wet ter beteugeling van de landloperij werd afgeschaft. In ons diepste binnenste zijn wij drieën toch wel een bitje vagebonden en dus zetten we onseigen eens neer voor een lang en boeiend gesprek over bedelarij, landloperij, ambtenarij en alle andere rijen waar mensen in kunnen staan. Veel plezier!www.loostermans.bewww.haarbazaardeluxe.bewww.propergeknipt.beP.s. checkt ook zeker https://studioderuimte.be/ voor wat er aan zit te komen en noteer alvast 25 mei in uwen agenda voor gratis drank van Proper Geknipt om onze cultuurprijs te vieren!!! Hosted on Acast. See acast.com/privacy for more information.

In episode 284 of iCantCU, I talk about another hiccup with my psoriatic arthritis meds—this time, the pharmacy wanted over two grand out of pocket. Spoiler: I said no. Taltz has helped a bit, but not $2,000-a-month helpful. So now I'm back on the hunt for something else that won't break the bank or mess me up with scary side effects. I also share some sad news: we lost Stan Ingram, a fellow blind entrepreneur in the Business Enterprise Program here in PA. That means one less BEP operator and a big question mark about what happens to his spot. Plus, my friend Ken's dad passed, and I send love to his family. It's been a rough week. I share the fact that my other podcast, White Canes Connect, is currently ranked #19 on the 100 Best Visually Impaired Podcasts! So much for the false rumors being spread about the show. We've got a Keystone Chapter fundraiser coming up on April 29 at Landmark Americana in Philly. Print the flyer and bring your appetite. I'll be there around 1 p.m. for lunch—come say hi. Show notes at https://www.iCantCU.com/284 Links Mentioned (product links are affiliate links so that I may earn a commission.) Ray-Ban Meta Glasses, Wayfarer: https://amzn.to/42EU0Sy Keystone Chapter Landmark Americana fundraiser flyer: https://nfbofpa.org/wp-content/uploads/2025/04/Sip-Savor-Support-FINAL-TROY.pdf White Canes Connect one of the 100 Best Visually Impaired Podcasts: https://traffic.libsyn.com/whitecanesconnect/white_canes_connect_132_post.mp3 Federation Focus on the NFB of PA YouTube channel: https://www.youtube.com/@nfbofpa I edit the show with Descript and love it!: https://www.iCantCU.com/descript/ Attend the Blind Merchants Spring Fling Blind Vendor Showcase: https:www.pablindmerchants.org/fling/ If you are a blind entrepreneur and would like exhibit at the Spring Fling: https://www.pablindmerchants.org/exhibit/ Be a sponsor of Spring Fling: https://www.pablindmerchants.org/sponsor/ Be My Eyes app (free): https://www.bemyeyes.com/  Seeing AI app (free): https://www.seeingai.com/  Index of That Real Blind Tech Show episodes: https://www.icantcu.com/trbts/  Watch iCantCU episodes on YouTube: https://www.youtube.com/@iCantCU Support iCantCU When shopping at Amazon, I would appreciate it if you clicked on this link to make your purchases: https://www.iCantCU.com/amazon. I participate in the Amazon Associate Program and earn commissions on qualifying purchases. The best part is, you don't pay extra for doing this! White Canes Connect Podcast Episode 129 In episode 132 of White Canes Connect, hosts Michelle McManus and David Goldstein welcome Shawn Welker, founder of Visual Eyes Access, a low-cost visual interpreting service with a unique approach. Shawn shares how his background in accessibility and mobility training gives him a deeper understanding of blind users' needs, setting his service apart from other platforms like Aira and Be My Eyes. Find the podcast on Apple Podcasts https://podcasts.apple.com/us/podcast/white-canes-connect/id1592248709  Spotify https://open.spotify.com/show/1YDQSJqpoteGb1UMPwRSuI YouTube Https://www.youtube.com/@pablindpodcast My Podcast Gear Here is all my gear and links to it on Amazon. I participate in the Amazon Associates Program and earn a commission on qualifying purchases. Zoom Podtrak P4: https://amzn.to/33Ymjkt Zoom ZDM Mic & Headphone Pack: https://amzn.to/33vLn2s Zoom H1n Recorder: https://amzn.to/3zBxJ9O  Gator Frameworks Desk Mounted Boom Arm: https://amzn.to/3AjJuBK Shure SM58 S Mic: https://amzn.to/3JOzofg  Sony ZV-E10 camera : https://amzn.to/4fFBSxM  Sennheiser Headset (1st 162 episodes): https://amzn.to/3fM0Hu0  Follow iCantCU on your favorite podcast directory! Apple Podcasts: https://podcasts.apple.com/us/podcast/icantcu-podcast/id1445801370/  Spotify: https://open.spotify.com/show/3nck2D5HgD9ckSaUQaWwW2  Audible: https://www.audible.com/pd/iCantCU-Podcast-Podcast/B08JJM26BT  IHeart: https://www.iheart.com/podcast/256-icantcu-podcast-31157111/ YouTube: https://www.youtube.com/davidbenj  Reach out on social media Twitter: https://www.twitter.com/davidbenj Instagram: https://www.instagram.com/davidbenj Facebook: https://www.facebook.com/davidbenj LinkedIn: https://www.linkedin.com/in/davidbenj Are You or Do You Know A Blind Boss? If you or someone you know is crushing it in their field and is also blind, I want to hear from you! Call me at (646) 926-6350 and leave a message. Please include your name and town, and tell me who the Blind Boss is and why I need to have them on an upcoming episode. You can also email the show at iCantCUPodcast@gmail.com.

Learn English for purchasing in this lesson that looks at evaluating proposals from vendors. >>> The post BEP 414 – Purchasing 5: Evaluating Vendor Proposals first appeared on Business English Pod :: Learn Business English Online.

Learn key skills for first-round job interviews. >>> The post BEP 41c – Interview English: First-Round Job Interviews (2) first appeared on Business English Pod :: Learn Business English Online.

In this episode of iCantCU, I share a jaw-dropping moment when the director of a Pennsylvania state agency called me a four-letter word. Yes, really. It all ties back to my ongoing fight for transparency and inclusion in the Business Enterprise Program (BEP), which provides blind entrepreneurs with opportunities to run vending and food service businesses on government properties. Despite promises of reopening the program, Pennsylvania hasn't trained a new blind vendor in over five years. With the number of operators dwindling from 200 to just 20, and many nearing retirement, the program's future is in jeopardy. I break down the bureaucratic roadblocks, potential conflicts of interest, and the resistance to allowing public attendance at key meetings—including my own. I also discuss the upcoming PA Association of Blind Merchants Spring Fling on May 17 in Harrisburg. It's a chance to support blind entrepreneurs, network, and raise awareness. Tickets are available now! Blind entrepreneurs exhibit opportunities and sponsorship opportunities are also available. See all the links below in the Links Mentioned section. I tease my recent trip to Baltimore and a behind-the-scenes look at my OnlyFans page… I'm not kidding. Tune in for the full story! Show notes at https://www.iCantCU.com/282   Links Mentioned (product links are affiliate links so that I may earn a commission.) Ziggy loves this ball and your dog will too! : https://amzn.to/3ZpuLTO I edit the show with Descript and love it!: https://www.iCantCU.com/descript/ Attend the Blind Merchants Spring Fling Blind Vendor Showcase: https:www.pablindmerchants.org/fling/ If you are a blind entrepreneur and would like exhibit at the Spring Fling: https://www.pablindmerchants.org/exhibit/ Be a sponsor of Spring Fling: https://www.pablindmerchants.org/sponsor/ Be My Eyes app (free): https://www.bemyeyes.com/  Seeing AI app (free): https://www.seeingai.com/  Index of That Real Blind Tech Show episodes: https://www.icantcu.com/trbts/  Watch iCantCU episodes on YouTube: https://www.youtube.com/@iCantCU Support iCantCU When shopping at Amazon, I would appreciate it if you clicked on this link to make your purchases: https://www.iCantCU.com/amazon. I participate in the Amazon Associate Program and earn commissions on qualifying purchases. The best part is, you don't pay extra for doing this! White Canes Connect Podcast Episode 127 In Episode 127  of White Canes Connect, Lisa Bryant and I welcome Stacie Leap and Marva Hall from the Pennsylvania Organization of Blind Parents. This newly chartered division of the National Federation of the Blind of Pennsylvania  is only the second of its kind in the entire NFB, marking a historic moment for blind parents nationwide. Find the podcast on Apple Podcasts https://podcasts.apple.com/us/podcast/white-canes-connect/id1592248709  Spotify https://open.spotify.com/show/1YDQSJqpoteGb1UMPwRSuI YouTube Https://www.youtube.com/@pablindpodcast White Canes Connect On Twitter Https://www.twitter.com/PABlindPodcast My Podcast Gear Here is all my gear and links to it on Amazon. I participate in the Amazon Associates Program and earn a commission on qualifying purchases. Zoom Podtrak P4: https://amzn.to/33Ymjkt Zoom ZDM Mic & Headphone Pack: https://amzn.to/33vLn2s Zoom H1n Recorder: https://amzn.to/3zBxJ9O  Gator Frameworks Desk Mounted Boom Arm: https://amzn.to/3AjJuBK Shure SM58 S Mic: https://amzn.to/3JOzofg  Sony ZV-E10 camera : https://amzn.to/4fFBSxM  Sennheiser Headset (1st 162 episodes): https://amzn.to/3fM0Hu0  Follow iCantCU on your favorite podcast directory! Apple Podcasts: https://podcasts.apple.com/us/podcast/icantcu-podcast/id1445801370/  Spotify: https://open.spotify.com/show/3nck2D5HgD9ckSaUQaWwW2  Audible: https://www.audible.com/pd/iCantCU-Podcast-Podcast/B08JJM26BT  IHeart: https://www.iheart.com/podcast/256-icantcu-podcast-31157111/ YouTube: https://www.youtube.com/davidbenj  Reach out on social media Twitter: https://www.twitter.com/davidbenj Instagram: https://www.instagram.com/davidbenj Facebook: https://www.facebook.com/davidbenj LinkedIn: https://www.linkedin.com/in/davidbenj Are You or Do You Know A Blind Boss? If you or someone you know is crushing it in their field and is also blind, I want to hear from you! Call me at (646) 926-6350 and leave a message. Please include your name and town, and tell me who the Blind Boss is and why I need to have them on an upcoming episode. You can also email the show at iCantCUPodcast@gmail.com.

Learn Interview English skills for first-round job interviews. >>> The post BEP 40c – Interview English: First-Round Job Interviews (1) first appeared on Business English Pod :: Learn Business English Online.

(1:23) Een terugblik op het leven van showbizzman Ron Brandsteder. (11:10) Schrijver en journalist Marja Pruis vertelt over het leven van de Canadese schrijfster Alice Munro, over wier leven vorig jaar schokkende feiten naar buiten kwamen. (49:13) Een film over het leven van operazangeres Maria Callas. (54:51) In de Wat blijft Lijn: Ivon van Tongeren over Bep 'het medium' Monfils. (58:01) Emmie Kollau vertelt over haar nieuwe podcast Enkele reis Istanbul.

Learn English idioms related to technology. >>> The post BEP 413 – Business English Idioms about Technology (2) first appeared on Business English Pod :: Learn Business English Online.

Learn business English idioms related to technology and IT. >>> The post BEP 412 – Business English Idioms about Technology (1) first appeared on Business English Pod :: Learn Business English Online.

Gijs bezoekt Michiel Romeyn bij hem thuis. Hij verwierf grote bekendheid met het absurdistische programma Jiskefet en heeft vele andere memorabele filmrollen gespeeld. Toch heeft de 70-jarige acteur het gevoel dat hij niet altijd alle kansen heeft gegrepen. Romeyn is gefascineerd door plekken waar ooit iemand is vermoord en schreef hierover het boek Een klap in het donker. Verder spreken Groenteman en Romeyn over streng oordelen, moordplekken en het onvermijdelijke ouder worden. Met een cameo van Bep van Mokum. Onze journalistiek steunen? Dat kan het beste met een (digitaal) abonnement op de Volkskrant, daarvoor ga je naar www.volkskrant.nl/podcastactie Presentatie: Gijs GroentemanRedactie en montage: Julia van AlemEindredactie: Corinne van DuinSee omnystudio.com/listener for privacy information.

Best Low-Carbon ETFs and Stocks includes reviews of two articles by financial analysts at the highly respected Carbon Credits organization. By Ron Robins, MBA Transcript & Links, Episode 146, January 24, 2025 Hello, Ron Robins here, welcome to my podcast episode 146 published January 24, 2025, titled “Best Low-Carbon ETFs and Stocks.” It's presented by Investing for the Soul. Investingforthesoul.com is your site for vital global ethical and sustainable investing mentoring, news, commentary, information, and resources. Now I'm having to record this podcast two days earlier than usual. But it is still filled with great, up-to-the-minute, informative articles! Also, remember that you can find a full transcript and links to content – including stock symbols and bonus material – on this episode's podcast page at investingforthesoul.com/podcasts. Also, a reminder. I do not evaluate any of the stocks or funds mentioned in these podcasts, and I don't receive any compensation from anyone covered in these podcasts. Furthermore, I will reveal any investments I have in the investments mentioned herein. Additionally, quotes about individual companies are brief. Please go to this podcast's webpage for links to the articles and more company and stock information. ------------------------------------------------------------- Best Low-Carbon ETFs and Stocks (1) Today, I'm starting with two articles on low-carbon ETFs and stocks from analysts at carboncredits.com. The first article is titled Top 5 Carbon ETFs for Sustainable Investing in 2025. It's by Saptakee S. Here are the picks and brief quotes from the article. “1. iShares Global Clean Energy ETF (ICLN) is a part of BlackRock and a top-performing ETF… Essentially, this fund tracks an index of stocks in the global clean energy sector. One important attribute of this ETF is its strict sustainability rules. It excludes companies involved in weapons, tobacco, coal, oil sands, and Arctic drilling. (It) currently manages assets worth $5-6 billion. 2. Invesco Solar ETF (TAN) known as TAN, manages assets valued between $3–4 billion… This fund focuses on solar energy companies, such as manufacturers, installers, and technology providers… TAN is based on the MAC Global Solar Energy Index. It invests 90% of its assets in securities, American depositary receipts (ADRs), and global depositary receipts (GDRs) listed in the index… 3. First Trust Global Wind Energy ETF (FAN) known as FAN, currently manages assets worth $2–3 billion… It's prospective for those managing wind farms, producing wind power, or making wind energy equipment. However, companies must have a market cap of at least $100 million, a daily trading volume of $500,000, and a free float of 25% to join the index. 4. SPDR S&P Kensho Clean Power ETF (CNRG) currently has assets worth $1–2 billion… It is managed by State Street's Investment Solutions Group and is built for long-term growth. With its focus on innovation and the clean energy sector, this ETF is a great option for those wanting to invest in the future of renewable energy. 5. Global X Lithium & Battery Tech ETF (LIT) gives investors access to the booming electrification, lithium, and battery technology sector. Their assets have a $4–5 billion valuation… The ongoing global demand for lithium and supply constraints make this ETF a promising investment in this sector.” End quotes. ------------------------------------------------------------- Best Low-Carbon ETFs and Stocks (2) Now this is the second article on Low-Carbon investments titled Top 5 Carbon Stocks to Watch in 2025. It's by Jennifer L. and also found on carboncredits.com. “1. Brookfield Renewable Partners (BEP) is one of the world's largest publicly traded renewable energy companies. With a clear focus on clean, renewable energy, Brookfield Renewable Partners distinguishes itself from many of its competitors by operating as a pure-play renewable energy company. This means that its portfolio consists exclusively of renewable sources of power generation, unlike other companies that often combine renewable energy with fossil fuel assets. As of 2024, Brookfield Renewable Partners diversified portfolio encompasses over 35,000 megawatts of operating capacity across various renewable energy sources. This extensive array of assets spans multiple regions, including North America, South America, Europe, and Asia, underscoring Brookfield Renewable Partners commitment to global renewable energy development. For investors seeking exposure to the renewable energy sector with a preference for established companies demonstrating stable growth and reliable returns, Brookfield Renewable Partners represents a compelling option. 2. Aker Carbon Capture ASA (AKCCF) is a Norwegian company specializing in carbon capture technology. Leveraging its expertise from the Aker Group, a global leader in offshore engineering, Aker Carbon Capture has developed modular carbon capture systems that are both cost-effective and scalable… With a solid financial foundation and strategic partnerships, Aker Carbon Capture is well-positioned to expand its carbon capture solutions globally. The aim is to contribute significantly to the reduction of industrial CO₂ emissions and support the transition to a low-carbon economy. 3. LanzaTech Global, Inc. (LNZA) is a pioneering carbon recycling company that transforms waste carbon emissions into sustainable fuels and chemicals through innovative biotechnology using gas fermentation. Through this process, industrial emissions—rich in carbon monoxide and carbon dioxide—are converted into ethanol and other chemicals… The ethanol produced can serve as a building block for various products, including jet fuel, plastics, and synthetic fibers. With a solid financial foundation bolstered by recent capital raises and strategic partnerships, LanzaTech is well-positioned to expand its carbon recycling solutions globally, creating sustainable products from waste carbon. 4. Occidental Petroleum Corporation (OXY) is a major player in the oil and gas industry. However, in recent years, the company has been transforming itself into a leader in carbon management solutions.  Occidental has embraced Direct Air Capture (DAC) technology, which removes CO₂ directly from the atmosphere. In partnership with Carbon Engineering, Occidental is constructing the world's largest DAC facility in Texas, a groundbreaking project that will play a significant role in achieving global emission reduction targets… Occidental's approach is an example of how traditional energy companies are evolving to embrace sustainability. By combining its existing expertise in oil extraction with innovative carbon capture methods, Occidental is paving the way for a future where fossil fuel extraction can coexist with carbon reduction technologies. 5. Equinor ASA (EQNR) formerly known as Statoil, is a Norwegian energy giant that has diversified its portfolio to include renewable energy sources like wind power. It has also been at the forefront of carbon capture, utilization, and storage (CCUS) technologies for over 25 years… Equinor is a key player in the Northern Lights project, a pioneering initiative in Norway aimed at developing a large-scale carbon capture and storage infrastructure… Equinor has decades of experience in offshore oil and gas exploration. Its deep-rooted knowledge of energy infrastructure is key to its success in developing large-scale carbon capture and storage solutions. With the potential to store the equivalent of 1,000 years of Norwegian CO₂ emissions beneath the seabed, Equinor's initiatives are pivotal in supporting global climate goals.” End quotes. ------------------------------------------------------------- Best Low-Carbon ETFs and Stocks (3) Still, on the theme of energy-related investments is this article titled 3 Renewable Energy Stocks to Buy in 2025 and Hold for Decades. It's by James Brumley and found on fool.com. Here is some of what Mr. Brumley says about his picks. “1. Cameco (NYSE: CCJ) one of the planet's top suppliers of uranium, with access to plenty of high-grade reserves. Its two chief mining operations in Saskatchewan, Canada, are currently jointly capable of producing a total of 43 million pounds of high-grade uranium per year, but both could support more output at only marginally more cost… Do prepare for continued volatility from Cameco stock that reflects the continued volatility of uranium prices -- although maybe not quite as much as you might expect. Confidence in nuclear power as a clean source of electricity is slowly but surely improving, leveling out these swings. 2. Brookfield Renewable (BEPC -2.65%) (BEP -1.29%). (Yes, a second recommendation in this podcast.) If you feel confident that renewable energy as an industry is investment-worthy but you don't know where to start, consider a stake in Brookfield Renewable Corp. With it, you'll own a little of everything the business encompasses… There is one detail worth pointing out there. That is, this is not Brookfield Asset Management (BAM.TO), Brookfield Corporation (BN), or Brookfield Wealth Solutions (BNT). Although all of these companies are related, Brookfield Renewable is the only one with direct exposure to the alternative energy market. The others are simply involved in the management and marketing of Brookfield Renewable. 3. First Solar (NASDAQ: FSLR) First Solar stock is down nearly 40% from its June peak largely on concerns that President-elect Donald Trump isn't as supportive of solar power as his predecessor was. And maybe he isn't. The solar tax credits that boosted the business under President Joe Biden's watch are anything but guaranteed to last through Trump's tenure… The irony is that the analyst community is still calling for strong growth from First Solar regardless of who's occupying the White House. Last year's projected top-line growth of 29% is expected to be followed by 32% growth this year, followed by 21% revenue growth next year. Even producing half of that anticipated growth should shake this stock out of its current funk and rekindle a long-term advance.” End quotes. ------------------------------------------------------------- Best Low-Carbon ETFs and Stocks (4) And, yes, another analyst article on the renewable energy theme — but with a very different angle. It's titled 2 Renewable Energy Stocks to Buy in 2025 and Hold for Decades by Leo Sun on aol.com. It was originally published on fool.com. “1. NuScale Power (NYSE: SMR) produces the only small modular reactors (SMRs) that have been certified with a Standard Design Approval (SDA) from the U.S. Nuclear Regulatory Commission (NRC). Its SMRs can be installed in vessels that are just 9 feet (2.7m) wide and 65 feet (20m) tall -- which makes them much easier to deploy than larger nuclear reactors. NuScale's modular designs are prefabricated, delivered, and assembled on-site. That approach reduces the costs and construction time of a working nuclear reactor. Its current reactor clusters are certified for up to 55 megawatts of electricity… NuScale's stock has already surged nearly 650% over the past 12 months in anticipation of that approval, but it still trades more than 20% below its all-time high from last November. Analysts only expect its revenue to rise 4% to $24 million in 2024. 2. CleanSpark (NASDAQ: CLSK) develops modular microgrids for wind, solar, and other renewable energy sources. These microgrids can be deployed as stand-alone systems or plugged into existing energy grids, and they're used to funnel energy into storage systems, backup generators, and load management solutions. CleanSpark initially developed these green energy systems for other companies, but it evolved into a Bitcoin miner upon acquiring ATL Data Centers in May 2021. It upgraded ATL's mining facilities with its technology to boost their efficiency and demonstrate that it was possible to mine Bitcoins with low-carbon energy… From fiscal 2024 to fiscal 2027, analysts expect its revenue and adjusted EBITDA to grow at a CAGR of 36% and 22%... That makes it a great long-term play if you expect Bitcoin's price to keep climbing and the renewable energy market to keep expanding.” End quotes. ------------------------------------------------------------- Additional article not covered due to time constraints 1. Title: Start-up Bountiful Financial Launches Stock Indices Based on Religious Teachings & Believers' Real-World Experiences. Media release. ------------------------------------------------------------- Ending Comment These are my top news stories with their stock and fund tips for this podcast “Best Low-Carbon ETFs and Stocks.” Please click the like and subscribe buttons wherever you download or listen to this podcast. That helps bring these podcasts to others like you. And please click the share buttons to share this podcast with your friends and family. Let's promote ethical and sustainable investing as a force for hope and prosperity in these terribly troubled times! Contact me if you have any questions. Thank you for listening. I'll talk to you next February 7th. Bye for now.   © 2025 Ron Robins, Investing for the Soul

(Intro) Weekend Recap (5TYNTK) Inauguration, Jan. 6 Pardons, TikTok Restored, Ohio State National Title, Puppy Bowl (Dirty) More artists added to FireAid. BEP canceled Vegas residency. Ted Lasso Season 4 Rumors. Tyra Banks house burned down. Travis Scott premiers new music. Kodak Black welcomed his fifth child. (Topic) Are you a hugger? (Outro) Groceries

Tại Sao Biệt Thự Biển Lại Nâng Cao Chất Lượng Sống? | Nguyễn Việt Dũng (Giám đốc Dự án Vlasta - Sầm Sơn) | #Homentor EP 3 | Văn Phú - Invest X Spiderum Hiện nay, việc chịu ảnh hưởng bởi nhịp sống năng động và vội vã của đô thị, chúng ta thường đối mặt với nhiều hệ quả về sức khỏe tinh thần và thể chất. Áp lực từ công việc, giao thông, và các mối quan hệ xã hội dễ dẫn đến tình trạng căng thẳng, kiệt sức. Trong nhiều năm gần đây, xu hướng tìm kiếm những không gian yên tĩnh, không khí trong lành để "detox" thể xác lẫn tâm hồn đang ngày càng nở rộ. Số lượng các khu đô thị gần với thiên nhiên như núi, rừng, biển đang ngày càng phổ biến. Dẫu cho xu hướng này mang lại nhiều lợi ích cho sức khỏe và tinh thần, việc xây dựng không gian sống phù hợp với thời đại công nghệ ngay giữa lòng thiên nhiên lại không hề đơn giản. Trong tập đặc biệt lần này của Homentor, chúng ta sẽ cùng host BeP và anh Trần Việt Anh (Founder & Owner Viet Retreat) đến thăm quan một một căn nhà ven bãi biển Sầm Sơn, Thanh Hóa để gặp gỡ anh Nguyễn Việt Dũng (Giám đốc Dự án Vlasta - Sầm Sơn) để cùng biết thêm về những ích lợi, khó khăn và vai trò của một căn hộ gần thiên nhiên trong cuộc sống hiện đại.

Diana Ash had suffered from irritable bowel syndrome much of her life, but in 2019, she believed the IBS symptoms she felt were something altogether different.  Her concerns were proven correct when an ultrasound indicated a mass near her abdomen the size of a “mini football.”  Not long after that, she was diagnosed with Stage 1C Ovarian Cancer.  Diana underwent an oophorectomy, a surgical procedure that successfully removed one ovary and one fallopian tube.  After the surgery, she had to undergo BEP chemotherapy, an extremely aggressive regimen.  However, she achieved survivorship and has written a book about her experience.   Diana Ash led an active lifestyle in her hometown of Ottawa, Ontario, Canada.  She enjoyed hiking, running and diving; but ever since she was a small child, Diana dealt with irritable bowel syndrome.  In 2019, in addition to IBS' typical symptoms, she experienced fatigue and loss of appetite.  When she sought medical attention, she was told her problem was IBS and nothing more.  To Diana, that was not a satisfactory response.   She insisted on blood work and an ultrasound.  The latter revealed a mass near her abdomen.  It measured 10 X 16 cm, or as she said, “the size of a mini football.” Diana pressed doctors for more information and accurate information, and she was eventually diagnosed with Stage 1C ovarian cancer.  She was shocked with the diagnosis, but relieved that her cancer had been caught at an early stage, which is not typical for those diagnosed with ovarian cancer.   Diana underwent an oophorectomy, a surgical procedure which removed one of her ovaries and one of her fallopian tubes.  The surgery was a success, but her surgeon said the procedure was the easy part of her treatment.  Next up was an extremely aggressive chemotherapy regimen.  BEP chemotherapy includes cisplatin, bleomycin and etoposide.  Diana experienced the usual side effects, but was even more difficult was her being told that she would no longer be able to run or dive.   There was also the matter of childbearing.  She received a Lupron injection, which meant she had to deal with its side effects while dealing with the side effects from her chemo regimen.  She was eventually able to freeze some of her eggs, which will enable her to have kids.   Diana Ash achieved survivorship and wants to help others diagnosed with cancer.  Fueled by a message emphasizing optimism and self-advocacy, she wrote “Take Back The Power,” available on Amazon.  The book was written in English, but as a bilingual Canadian, she hopes to one day translate the book into French.   Additional Resources:   Diana's Book: “Take Back The Power,” a guide for young women with cancer      

In this episode of iCantCU, I share my experience traveling to Harrisburg for the Blind Merchants Holiday Party and fundraiser, reflecting on the challenges of navigating public transportation as a person with very limited sight. Timing was a major hurdle, from the unpredictable delays with CCT to coordinating a group of 17 people on an Amtrak train. I discuss how small inefficiencies can snowball, highlighting the importance of time—our most precious resource. Once in Harrisburg, the event was a success, with 65 tickets sold, great food, a DJ playing festive music, and lively auctions and raffles that raised over $6,000. I was impressed by how smoothly everything ran, despite a few hiccups, like managing auction payments and losing a check. I also recount some funny moments, like my guide dog encounter with a cracker I dropped and the dictation mishaps that never fail to amuse (or frustrate). I wrap up by reflecting on the importance of accessibility and time management while balancing humor and frustration. The fundraiser was a rewarding reminder of what our community can accomplish, even when obstacles arise. Show notes at https://www.iCantCU.com/276  Links Mentioned (product links are affiliate links so that I may earn a commission.) GoPro Hero 13 Black: https://amzn.to/48rmvpC  Ziggy's favorite birthday present: https://amzn.to/3ZpuLTO Be My Eyes app (free): https://www.bemyeyes.com/  Seeing AI app (free): https://www.seeingai.com/  That Real Blind Tech Show episode 167: https://thatrealblindtechshow.libsyn.com/episode-167-the-human-alexa  Index of That Real Blind Tech Show episodes: https://www.icantcu.com/trbts/  Watch episodes on YouTube: https://www.youtube.com/@iCantCU Support iCantCU When shopping at Amazon, I would appreciate it if you clicked on this link to make your purchases: https://www.iCantCU.com/amazon. I participate in the Amazon Associate Program and earn commissions on qualifying purchases. The best part is, you don't pay extra for doing this! White Canes Connect Podcast Episode 117 In episode 117 co-host Lisa Bryant and I speak with Kennedy Zimnik and Karl Belanger from the National Federation of the Blind to discuss the Accessibility Toolkit, a resource designed to empower blind and low-vision individuals to advocate for accessible technology. Kennedy, an Access Tech Specialist, and Karl, a Non-Visual Accessibility Analyst, share the story behind the Toolkit, which evolved from a 2018 Braille Monitor article to a comprehensive, step-by-step guide now available on the NFB's website.    Find the podcast on Apple Podcasts https://podcasts.apple.com/us/podcast/white-canes-connect/id1592248709  Spotify https://open.spotify.com/show/1YDQSJqpoteGb1UMPwRSuI YouTube Https://www.youtube.com/@pablindpodcast White Canes Connect On Twitter Https://www.twitter.com/PABlindPodcast My Podcast Gear Here is all my gear and links to it on Amazon. I participate in the Amazon Associates Program and earn a commission on qualifying purchases. Zoom Podtrak P4: https://amzn.to/33Ymjkt Zoom ZDM Mic & Headphone Pack: https://amzn.to/33vLn2s Zoom H1n Recorder: https://amzn.to/3zBxJ9O  Gator Frameworks Desk Mounted Boom Arm: https://amzn.to/3AjJuBK Shure SM58 S Mic: https://amzn.to/3JOzofg  Sony ZV-E10 camera : https://amzn.to/4fFBSxM  Sennheiser Headset (1st 162 episodes): https://amzn.to/3fM0Hu0  Follow iCantCU on your favorite podcast directory! Apple Podcasts: https://podcasts.apple.com/us/podcast/icantcu-podcast/id1445801370/  Spotify: https://open.spotify.com/show/3nck2D5HgD9ckSaUQaWwW2  Audible: https://www.audible.com/pd/iCantCU-Podcast-Podcast/B08JJM26BT  IHeart: https://www.iheart.com/podcast/256-icantcu-podcast-31157111/ YouTube: https://www.youtube.com/davidbenj  Reach out on social media Twitter: https://www.twitter.com/davidbenj Instagram: https://www.instagram.com/davidbenj Facebook: https://www.facebook.com/davidbenj LinkedIn: https://www.linkedin.com/in/davidbenj Are You or Do You Know A Blind Boss? If you or someone you know is crushing it in their field and is also blind, I want to hear from you! Call me at (646) 926-6350 and leave a message. Please include your name and town, and tell me who the Blind Boss is and why I need to have them on an upcoming episode. You can also email the show at iCantCUPodcast@gmail.com.

Learn project management English in this lesson on reporting on progress of a project. >>> The post BEP 39c – English for Project Management: Reporting on Progress first appeared on Business English Pod :: Learn Business English Online.

In the December 2024 Livestream, Jeff and Jason take questions and engage with their audience in real-time. Jason reveals that Jeff's portfolio outperformed his, as per his prediction, with detailed insights into their investment strategies involving cash, bonds, and stocks. The show includes discussions on AI, the resurgence of Bitcoin, and the potential of cryptocurrency. The duo wraps up the episode with a fun holiday-themed segment, debating the best and worst Christmas songs.  02:23 Introduction and Welcoming Viewers 03:42 Portfolio Contest Update 06:15 Market Reactions Post-Election 10:50 Short Selling and Stock Valuation 16:41 DocuSign and Stock-Based Compensation 22:16 AI Trends and Future Outlook 38:16 Bitcoin Hits $100,000: Discussion and Insights 39:41 Crypto Use Cases and Market Dynamics 49:27 Reckless Predictions for 2025 57:13 Holiday Fun and Christmas Songs Companies mentioned: AAPL, AMZN, BEP, CRM, DOCU, LMND, MSFT, NVDA, SQ ***************************************** Subscribe to our portfolio on Savvy Trader at: https://savvytrader.com/investingunscripted/investing-unscripted-portfolio?s=MjM0NDM6NTQ1OA== ***************************************** Email: investingunscripted@gmail.com Twitter: @InvestingPod Check out our YouTube channel for more content:  https://www.youtube.com/@InvestingUnscripted ****************************************** To get 15% off any paid plan at finchat.io, visit https://finchat.io/investingunscripted ****************************************** Investing Unscripted is brought to you by Public.com* *A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 9/26/24, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond's yield is a function of its market price, which can fluctuate; therefore, a bond's YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule (https://public.com/disclosures/fee-schedule). Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See https://public.com/disclosures/bond-account to learn more. ***************************************** Find the 2024 Portfolio Contest here: https://tinyurl.com/2024contest Find the 2023 Portfolio Contest here:  https://tinyurl.com/Smatterfolio2023 --- Support this podcast: https://podcasters.spotify.com/pod/show/investing-unscripted/support

Xây nhà chính là xây mình | Nhà báo Hoàng Hối Hận | #Homentor EP2 | Văn Phú - Invest X Spiderum Việc quan trọng nhất nhì trong đời người là xây nhà. Từ một tổ ấm nhỏ bé cách đồng lúa chín vài bước chân, cho đến một ngôi nhà lô trong ngõ phố thị inh ỏi tiếng còi xe, không người chủ nào mà không mệt mỏi, áp lực, lo lắng trong suốt quá trình xây dựng. Thêm vào đó, mỗi người sẽ có những nhu cầu riêng cho mái ấm của mình, nên nhà sẽ là nơi phản ánh cá tính, sở thích và những giá trị cốt lõi của họ. Xây nhà vừa là hành trình tạo dựng một không gian sống, vừa là quá trình để gia chủ soi chiếu vào chính mình, tự đặt câu hỏi và trả lời: "Đâu mới là không gian mà tôi thật sự muốn sống?". Thấu hiểu nỗi đau này, trong tập 2 của Homentor, chúng ta sẽ cùng host BeP và KTS Nguyễn Tiến Quốc đến từ Văn Phú - Invest đi tìm kiếm những góc nhìn và lời khuyên hữu ích trong quá trình xây dựng về thiết kế nhà cửa. Và gia chủ lần này sẽ là Nhà báo Đinh Đức Hoàng (Hoàng Hối Hận). Là một nhà báo tự do, chặng đường của anh Hoàng Hối Hận đã có rất nhiều điểm giao với những vùng đất, trải nghiệm và các thể loại văn hóa. Mỗi khi đi qua những điểm giao đó, anh lại mang một mảnh của chúng về để hoàn thiện tổ ấm của riêng mình. Vậy những “mảnh” đó là gì? Cùng tìm hiểu trong TẬP 2 của Homentor trên kênh YouTube Văn Phú - Invest & Spiderum nhé. ______________ HOMENTOR EP 02 Host: BeP Gia chủ: Nhà báo Đinh Đức Hoàng (Hoàng Hối Hận) Mentor: KTS Nguyễn Tiến Quốc (Văn Phú - Invest) Executive Producer: Văn Phú - Invest Account: Mơ Nguyễn Project Manager: Bxđ Assistant Project Manager: Nga Levi Script & Creative Director: Linh Vetter Videographer: Leehoangvu Video Editor: Đạt Nguyễn Motion Graphic: Khang Sound Engineer: Pinkdot Graphic Designer: Lê Quý Hoàng Long Marketing: Hoàng Việt ______________ Dấu ấn khác biệt của Văn Phú – Invest đến từ triết lý kiến tạo không gian sống lấy Con Người làm trọng tâm. Nghiên cứu toàn diện về nhu cầu sống của con người tại từng cộng đồng, từng địa phương với đa dạng các giá trị văn hóa đặc trưng, Văn Phú – Invest kiến tạo nên những dự án vị nhân sinh, góp phần phát triển cộng đồng cư dân văn minh.

In this mailbag episode, Jason and Jeff address listener questions about choosing when to hold or sell underperforming stocks, optimizing time for investment research, and balancing risk in a diversified portfolio. The show also dives into the impact of potential tariff changes and Federal Reserve rate pauses on REITs. And then there is an important discussion about Thanksgiving leftovers! 01:12 Welcome to Investing Unscripted 02:30 Mailbag Episode: Listener Questions 04:51 Financial Education in Public Schools 11:28 Top 10 Stocks for 18-Year-Olds 16:11 Adding to Winners: Strategy and Risks 25:34 Balancing Research Time as an Investor 28:24 Optimizing Investment Strategies 28:52 Joe's Investment Journey 29:50 Deciding When to Sell 32:16 The Never Sell Strategy 37:32 High Slugging Percentage vs. Batting Average 43:57 REITs and Interest Rates 48:38 Spam Comment of the Month 50:09 Thanksgiving Leftovers and Gratitude 53:02 Conclusion and Final Thoughts Companies mentioned: AAPL, AMZN, BIP, BEP, BOC, CMG, EPR, KNSL, LMND, LOB, MSFT, SE, SKT, SQ, UPST ***************************************** Subscribe to our portfolio on Savvy Trader at: https://savvytrader.com/investingunscripted/investing-unscripted-portfolio?s=MjM0NDM6NTQ1OA== ***************************************** Email: investingunscripted@gmail.com Twitter: @InvestingPod Check out our YouTube channel for more content:  https://www.youtube.com/@InvestingUnscripted ****************************************** To get 15% off any paid plan at finchat.io, visit https://finchat.io/unscripted ****************************************** Investing Unscripted is brought to you by Public.com* Visit https://public.com/investingunscripted  *A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. As of 9/26/24, the average, annualized yield to worst (YTW) across the Bond Account is greater than 6%. A bond's yield is a function of its market price, which can fluctuate; therefore, a bond's YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule (https://public.com/disclosures/fee-schedule). Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See https://public.com/disclosures/bond-account to learn more.. ***************************************** Find the 2024 Portfolio Contest here: https://tinyurl.com/2024contest Find the 2023 Portfolio Contest here:  https://tinyurl.com/Smatterfolio2023 --- Support this podcast: https://podcasters.spotify.com/pod/show/investing-unscripted/support

Learn how discuss different aspects of integrating the operations of two companies. >>> The post BEP 411 – Mergers: Discussing an Integration Plan (2) first appeared on Business English Pod :: Learn Business English Online.

The Moose on The Loose helps Canadians to invest with more conviction so they can enjoy their retirement. Join the Retirement Rocks waitlist here: https://moosemarkets.com/retirement Dividend Income For Life webinar: https://moosemarkets.com/webinar Download The Canadian Rock Stars List, a selection

Learn how to discuss the integration of two companies during a merger. >>> The post BEP 410 – Mergers: Discussing an Integration Plan (1) first appeared on Business English Pod :: Learn Business English Online.

Az előfizetők (de csak a Belső kör és Közösség csomagok tulajdonosai!) már szombat hajnalban hozzájutnak legfrissebb epizódunk teljes verziójához. A kedden publikált, ingyen meghallgatható verzió tíz perccel rövidebb. 00:40 Az új időszámítás Magyar Péter péniszétől. Elnézéskérés Gulyás Mártontól. Boncz Géza szerepében Uj Péter. Bepólyálnám, hóbortos pap megkeresztelné! Magyar Péternek már csak öt hónapja van. 05:47 A 444 is megírta, hogy Bede Mártonnak milyen igaza volt. A szerelemprojekt és az első gyermek vége Turán. 10:02 Az edelényi kastély nem-bezárása. Oláh Ibolya tiszadobi gyermekkora. A kétpói és a lovasberényi kastély A Ferenc téri foghíjtelek. 15:26 Mit mondjon Orbán Viktor október 23-án? A folyamatos hold my beer. 18:18 Huszár Pufi visszatér. A verőcei kastély. A magyar Oliver Hardy. Huszár Pufi tragikusan különös halála. Pufi cipőt vásárol. 26:00 Szuverenitási sztálinizmus. Kinek a bankja az MBH? Különösen szép részletek a Népszabadság bezárása körül. A Wikipedia médiatörténelem-hamisítása.  30:31 Fogas Kárpáti. Ételek, amiket nem szabad étteremben enni Magyarországon. A karcagi birkacsárda koncepciója.34:19 Újabb atrocitások a budaörsi uszodában. A túl kemény víz. Ruandai rádió az őszi szaunázók ellen. 41:15 Hororr-birsalmaaárak. Tudod mennyi egy pink lady????? 43:17 Fontos halálesetek adás közbe. Yahya Sinwar végül tényleg meghalt. A Tisza Dombóváron és a forró február. 45:49 Dr. Schvab a Netflixen. Talán mégis lehet húst enni. A raw vegan diéta nehézségei. See omnystudio.com/listener for privacy information.

Learn English for presentations and how to answer questions at the end of a presentation. >>> The post BEP 37c – English for Presentations: Questions and Answers (2) first appeared on Business English Pod :: Learn Business English Online.

The Army is actively seeking innovative programs and ideas to address the recruitment and retention challenges it faces. One such idea is the newly designed Blended Education Program (BEP) at the U.S. Army War College. The BEP is a hybrid program that combines the best aspects of the residential program, including staff rides to Gettysburg, Washington D.C., and New York City, with the remote flexibility of the distance education program, all within a 10-month academic year. It aims to help retain talented senior officers who wish to remain at their current duty stations while furthering their professional military education. Carl Benander, an AY24 BEP graduate, and Dr. Mark Duckenfield, the director of the program, joined podcast editor Ron Granieri to discuss the program's early successes and lessons learned. The BEP offers a mix of synchronous and asynchronous learning, allowing students to interact with each other and their instructors in real time. Although still in its early stages, the BEP has been a success so far and is expected to continue and grow in the future. For more information about the Blended Education Program at the U.S. Army War College contact the director of the program, Dr. Mark Duckenfield mark.duckenfield@armywarcollege.edu I was not interested in three moves in a one- to two-year span. And so I was looking for any opportunity to to have some stability for the family. So that was really the appeal. Carl Benander is a Special Forces officer and a colonel in the U.S. Army. He is the commander of the 3rd Special Forces Group (Airborne) at Fort Liberty, NC. He is a 2024 graduate of the Blended Education Program (BEP) at the U.S. Army War College. Mark Duckenfield is Professor of International Economics in the Department of National Security and Strategy (DNSS) and at the Strategic Studies Institute and the Director of the Blended Education Program (BEP). He is the former Chair of DNSS at the U.S. Army War College. Mark holds an MA and a PhD in Political Science from Harvard University where he specialized in European political economy. He has written numerous academic articles on gold, financial crises and international political economy and is the author of the book Business and the Euro. The views expressed in this presentation are those of the speakers and do not necessarily reflect those of the U.S. Army War College, U.S. Army, or Department of Defense. Photo Description: General Charles Q. Brown, 21st Chairman of the Joint Chiefs of Staff, visited the U.S. Army War College on September. 20, 2024 and spoke to the class of 2025, staff, and faculty in Bliss Auditorium. Photo Credit: Photo courtesy of the U.S. Army War College, stock image via Freepik

In episode 271 of iCantCU, I talk about two state-level meetings I attended and the adventure of navigating a new train station without any help from Amtrak. First up was an OVR meeting where, despite being focused on disabilities, they had nothing accessible for blind folks—no Braille, no large print, nothing. Frustrating, but not surprising. I also attended a BEP meeting, where the training program has been on hold for over four years. It was disheartening to hear there's no clear timeline for reopening, especially since blind people rely on these opportunities to run businesses. On the travel side, I figured out the Paoli train station on my own, got to Harrisburg, and had a much better hotel experience than last time. Plus, I talk about my fantasy football leagues (still holding on!) and preview the upcoming NFB of PA state convention in Erie. It's a packed episode, so stick with me, and as always, thanks for listening! Show notes at https://www.iCantCU.com/271  Links Mentioned (product links are affiliate links so that I may earn a commission.) Sony ZV-E10 camera : https://amzn.to/4fFBSxM  Crunchy Peanut Butter Kind Bars - YUM!: https://amzn.to/4cYfm0E  Be My Eyes app (free): https://www.bemyeyes.com/  Seeing AI app (free): https://www.seeingai.com/  Watch episodes on YouTube: https://www.youtube.com/@iCantCU Support iCantCU When shopping at Amazon, I would appreciate it if you clicked on this link to make your purchases: https://www.iCantCU.com/amazon. I participate in the Amazon Associate Program and earn commissions on qualifying purchases. The best part is, you don't pay extra for doing this! White Canes Connect Podcast Episode 110 In episode 110, co-host Lisa Bryant and I gear up for the upcoming National Federation of the Blind  of Pennsylvania State Convention, which will be held from November 7–10, 2024, in Erie, PA. The episode features an insightful conversation with Lynn Heitz, NFB of Pennsylvania's president, and Tracy Soforenko, NFB of Virginia president and national representative for the event. Find the podcast on Apple Podcasts https://podcasts.apple.com/us/podcast/white-canes-connect/id1592248709  Spotify https://open.spotify.com/show/1YDQSJqpoteGb1UMPwRSuI YouTube Https://www.youtube.com/@pablindpodcast White Canes Connect On Twitter Https://www.twitter.com/PABlindPodcast My Podcast Gear Here is all my gear and links to it on Amazon. I participate in the Amazon Associates Program and earn a commission on qualifying purchases. Zoom Podtrak P4: https://amzn.to/33Ymjkt Zoom ZDM Mic & Headphone Pack: https://amzn.to/33vLn2s Zoom H1n Recorder: https://amzn.to/3zBxJ9O  Gator Frameworks Desk Mounted Boom Arm: https://amzn.to/3AjJuBK Shure SM58 S Mic: https://amzn.to/3JOzofg  Sennheiser Headset (1st 162 episodes): https://amzn.to/3fM0Hu0  Follow iCantCU on your favorite podcast directory! Apple Podcasts: https://podcasts.apple.com/us/podcast/icantcu-podcast/id1445801370/  Spotify: https://open.spotify.com/show/3nck2D5HgD9ckSaUQaWwW2  Audible: https://www.audible.com/pd/iCantCU-Podcast-Podcast/B08JJM26BT  IHeart: https://www.iheart.com/podcast/256-icantcu-podcast-31157111/ YouTube: https://www.youtube.com/davidbenj  Reach out on social media Twitter: https://www.twitter.com/davidbenj Instagram: https://www.instagram.com/davidbenj Facebook: https://www.facebook.com/davidbenj LinkedIn: https://www.linkedin.com/in/davidbenj Are You or Do You Know A Blind Boss? If you or someone you know is crushing it in their field and is also blind, I want to hear from you! Call me at (646) 926-6350 and leave a message. Please include your name and town, and tell me who the Blind Boss is and why I need to have them on an upcoming episode. You can also email the show at iCantCUPodcast@gmail.com.

Learn how to deal with the question and answer session at the end of a presentation. >>> The post BEP 36c – English for Presentations: Questions and Answers (1) first appeared on Business English Pod :: Learn Business English Online.

Market downturns happen, and we get a full-on crash every decade or so. As much as we like to think of them as opportunities, thinking that way and acting that way are two different things. And the closer you get to a financial goal, the more at-risk you are of a big downturn upending your plans. In this week's show, Jeff and Jason discuss the difference between asset allocation and diversification, building a portfolio that's more resistant to crashes and individual company risk, and resilient for both the near- and long-term.  Companies mentioned: BEP, CFLT, COST, CRWD, F, HD, HSY, KNSL, LULU, MELI, UPST, V ***************************************** Subscribe to our portfolio on Savvy Trader at: https://savvytrader.com/investingunscripted/investing-unscripted-portfolio?s=MjM0NDM6NTQ1OA== ***************************************** Email: investingunscripted@gmail.com Twitter: @InvestingPod Check out our YouTube channel for more content:  https://www.youtube.com/@InvestingUnscripted ****************************************** To get 15% off any paid plan at finchat.io, visit https://finchat.io/unscripted ****************************************** Investing Unscripted is brought to you by Public.com* *Options are not suitable for all investors and carry significant risk.  Option investors can rapidly lose the value of their investment in a short period of time and incur permanent loss by expiration date.  Certain complex options strategies carry additional risk.  Investors must review the Options Disclosure Document (ODD): https://public.com/ODD. See Fee Schedule and Options Rebate & Referral T&Cs: https://public.com/disclosures. Brokerage services for US-listed securities and options offered through Public Investing, member FINRA & SIPC.  See terms of the Options Rebate Program (https://public.com/disclosures/rebate-terms).  Rebate rates vary from $0.06-$0.18 and may depend on time of enrollment and number of referrals.  Rates are subject to change at any time. ***************************************** Find the 2024 Portfolio Contest here: https://tinyurl.com/2024contest Find the 2023 Portfolio Contest here:  https://tinyurl.com/Smatterfolio2023 --- Support this podcast: https://podcasters.spotify.com/pod/show/investing-unscripted/support

The Moose on The Loose helps Canadians to invest with more conviction so they can enjoy their retirement. Download The Canadian Rock Stars List, a selection of the safest dividend stocks in Canada: https://moosemarkets.com/rockstars Webinar: Invest with conviction: https://moosemarkets.com/webinar Webinar Replay: Dividend Income For Life : https://www.dividendstocksrock.com/dividend-income

In this month's mailbag, Jason and Jeff answer questions about CrowdStrike, Brookfield, and when to add (or not add) to a stock that's struggling. Have a question for our next mailbag? Send it to us anytime! Companies mentioned: ALLY, BEP, BEPC, CRWD, HASI, META, NFLX, ODFL, SOFI ***************************************** Subscribe to our portfolio on Savvy Trader at: https://savvytrader.com/investingunscripted/investing-unscripted-portfolio?s=MjM0NDM6NTQ1OA== ***************************************** Email: investingunscripted@gmail.com Twitter: @InvestingPod Check out our YouTube channel for more content:  https://www.youtube.com/@InvestingUnscripted ****************************************** To get 15% off any paid plan at finchat.io, visit https://finchat.io/unscripted ****************************************** Investing Unscripted is brought to you by Public.com* *Options are not suitable for all investors and carry significant risk.  Option investors can rapidly lose the value of their investment in a short period of time and incur permanent loss by expiration date.  Certain complex options strategies carry additional risk.  Investors must review the Options Disclosure Document (ODD): https://public.com/ODD. See Fee Schedule and Options Rebate & Referral T&Cs: https://public.com/disclosures. Brokerage services for US-listed securities and options offered through Public Investing, member FINRA & SIPC.  See terms of the Options Rebate Program (https://public.com/disclosures/rebate-terms).  Rebate rates vary from $0.06-$0.18 and may depend on time of enrollment and number of referrals.  Rates are subject to change at any time. ***************************************** Find the 2024 Portfolio Contest here: https://tinyurl.com/2024contest Find the 2023 Portfolio Contest here:  https://tinyurl.com/Smatterfolio2023 --- Support this podcast: https://podcasters.spotify.com/pod/show/investing-unscripted/support

Learn English collocations related to quality control, particularly the service aspect. >>> The post BEP 409 – Quality Control 2: Customer Service first appeared on Business English Pod :: Learn Business English Online.

Este episodio te va a ayudar a hacer las paces con el tiempo. Es el boost que necesitas si estás sintiendo que "vas tarde en la vida", sientes prisa, urgencia o te estás comparando porque las cosas no se están dando como esperas. Te ayudará a cambiar tu perspectiva, soltar la presión y lograr anclarte de nuevo en ti para regresara disfrutar tu ahora. Instagram: @nataliacpriceEp. 97. El poder de no tener plan BEp. 66. Disciplina + ejercicio + el verdadero autocuidado

Learn English collocations for discussing quality control in the manufacturing process. >>> The post BEP 408 – Quality Control 1: Manufacturing first appeared on Business English Pod :: Learn Business English Online.

This month's mailbag includes great questions about BDCs, broken investing theses, knowing if the story really changed, a little-known battery company, and what to do with middling investments. Jason also said that listener Jesse was a bad stock picker partly because their name starts with the same letters as Jeff's.  Have a question you want answered? Want us to make fun of you to make ourselves feel better? Send it to us for our next mailbag now!  Companies mentioned: BEP, BEPC, BOC, CWEN, ENPH, FLNC, META, NEE, NVDA, SPUU, SSO ***************************************** Subscribe to our portfolio on Savvy Trader at: https://savvytrader.com/investingunscripted/investing-unscripted-portfolio?s=MjM0NDM6NTQ1OA== ***************************************** Email: investingunscripted@gmail.com Twitter: @InvestingPod Check out our YouTube channel for more content:  https://www.youtube.com/@InvestingUnscripted ****************************************** To get 15% off any paid plan at finchat.io, visit https://finchat.io/unscripted ****************************************** Investing Unscripted is brought to you by Public.com* *Options are not suitable for all investors and carry significant risk.  Option investors can rapidly lose the value of their investment in a short period of time and incur permanent loss by expiration date. Certain complex options strategies carry additional risk.  There are additional costs associated with option strategies that call for multiple purchases and sales of options, such as spreads, straddles, among others, as compared with a single option trade. Prior to buying or selling an option, investors must read and understand the “Characteristics and Risks of Standardized Options”, also known as the options disclosure document (ODD) which can be found at: www.theocc.com/company-information/documents-and-archives/options-disclosure-document Supporting documentation for any claims will be furnished upon request. If you are enrolled in our Options Order Flow Rebate Program, The exact rebate will depend on the specifics of each transaction and will be previewed for you prior to submitting each trade. This rebate will be deducted from your cost to place the trade and will be reflected on your trade confirmation. Order flow rebates are not available for non-options transactions. To learn more, see our Fee Schedule, Order Flow Rebate FAQ, and Order Flow Rebate Program Terms & Conditions. Options can be risky and are not suitable for all investors. See the Characteristics and Risks of Standardized Options to learn more. All investing involves the risk of loss, including loss of principal. Brokerage services for US-listed, registered securities, options and bonds in a self-directed account are offered by Open to the Public Investing, Inc., member FINRA & SIPC. See public.com/#disclosures-main for more information. ***************************************** Find the 2024 Portfolio Contest here: https://tinyurl.com/2024contest Find the 2023 Portfolio Contest here:  https://tinyurl.com/Smatterfolio2023 --- Support this podcast: https://podcasters.spotify.com/pod/show/investing-unscripted/support

Learn how to clarify the meaning of what someone says. >>> The post BEP 35c – Meetings: Clarifying What Was Meant first appeared on Business English Pod :: Learn Business English Online.

Learn English for finance in this lesson on comparing investment opportunities with a client. >>> The post BEP 407 – Financial English 5: Comparing Opportunities first appeared on Business English Pod :: Learn Business English Online.

Learn financial English in this Business English lesson on pitching an investment opportunity to a client. >>> The post BEP 406 – Financial English 4: Pitching a New Opportunity first appeared on Business English Pod :: Learn Business English Online.

Learn how to clarify and confirm what was said during a conversation. >>> The post BEP 34c – Clarifying and Confirming What Was Said first appeared on Business English Pod :: Learn Business English Online.

Learn English idioms related to animals. The post BEP 405 – English Idioms about Animals (2) first appeared on Business English Pod :: Learn Business English Online.