Many new technologies like AI and ChatGTP are disrupting how articles, company information, social media, and other content are created. It is also changing how it reaches and performs with audiences. So, it feels like something big is happening. "In 2023, people-first content and SEO supremacy will make or break content success for major brands and companies," said Carlos Meza, CEO of Crowd Content. "The days of plugging in keywords to reach the top of search results are over. Instead, leaders will only drive their business towards successful goals for 2023 with optimized content that puts people first." After hearing this, I invited him on Tech Talks Daily to explore this topic. We discuss how an understanding of marketing technology (SEO, web design) influences how audiences search for content and engage with it. We also discuss building a tech-driven content platform that can still focus on people-first / human-first intentions and serving the "why" in content creation. About Carlos Carlos Meza serves as President & CEO of Crowd Content, a leading content creation service provider connecting talented writers and editors with businesses needing high-quality, people-first, publish-ready content at scale in a tech-driven platform experience. A master of scale himself, Meza has been leading high-growth technology companies over the last five years. Before being appointed CEO of Crowd Content in 2021, he served as CEO of Kivuto Solutions, a SaaS Edtech company. An industry veteran, Meza brings a background in engineering and corporate finance to expand the Crowd Content footprint of global brands served. During the early part of his career, Meza spent 13 years working with multinational brands and banks that included Citibank and HSBC. He holds a bachelor's degree from the Universidad Industrial de Santander and an MBA from the University of Calgary.
Ahmed Ismail, a seasoned investment banker and tech-driven entrepreneur with 18 years of experience at major financial institutions such as Bank of America, Credit Suisse, and Jefferies, is now the CEO and President of FLUID, a liquidity aggregator that uses AI quant-based models to tackle fragmented liquidity in virtual asset markets. In today's episode of Tech Talks Daily, Ahmed discusses how AI can change the decentralized ledger and explains the benefits of using AI in the crypto market. We also talks about how liquidity aggregators could help manage market participants get through Black Swan events and the growing number of tech talent migrating to Web3. About Fluid: FLUID is the AI quant-based liquidity aggregator providing execution for CeFi and DeFi at high throughput, ultra-low costs, ultra-low latency, and zero counterparty risk. Many physical and digital assets will be tokenized in the future. FLUID intends to capitalize on the multi-trillion dollar tokenized market volume potential across spot, futures, derivatives, synthetics, STOs, tokenized assets and more. FLUID is driven by a seasoned senior team with diversified experience in tier one financial institutions such as Bank of America Merrill Lynch, Goldman Sachs, BNY Mellon, Citibank, Visa, and founders of leading regulated digital asset OTC trading desks, quantitative firms, and popular blockchain companies.
Get Our Help: https://nomadcapitalist.com/apply/ Join Our Email List and be the First to Hear about Breaking News and Exciting Offers https://nomadcapitalist.com/email Get on the waiting list and join us for the next Nomad Capitalist Live: www.nomadcapitalist.com/live/ Simon Ree has twenty-eight years of experience as an active trader, investor, and financial markets professional. He previously held senior positions with Goldman Sachs in Sydney and Citibank in Singapore before focusing on options trading full-time in 2017. He has spent over 40,000 hours watching and analyzing markets, and during this time, he cracked the code on how to trade safely and profitably. Today, he's passionate about teaching others what he's discovered. In addition to trading, Simon is a certified Jeet Kune Do instructor and a Reiki master. Do you know what a new philosophy of trading is or what undervalued investments are? In this video, Dan Curtis, Executive Producer, interviews Simon Ree, so watch as they discuss many essential topics. The Nomad Capitalist is the world's most sought-after expert on legal offshore tax strategies, investment immigration, and global citizenship. We work exclusively with seven- and eight-figure entrepreneurs and investors who want to "go where they're treated best." Nomad Capitalist has created and implemented plans for 1000+ clients and helped them to go offshore, keep more of their wealth, and enjoy an unprecedented level of global freedom. Our growing team of researchers, strategies, and implementers add to our ever-growing knowledge base of the best options available. We've built our team around our holistic approach to serving the needs of globally-minded entrepreneurs and investors Our growing team of researchers, strategies, and implementers add to our ever-growing knowledge base of the best options available. In addition, we've spent years studying the behavior of hundreds of clients in order to help people get the results they want faster and with less effort. About Andrew: https://nomadcapitalist.com/about/ Our Website: http://www.nomadcapitalist.com Subscribe: https://www.youtube.com/subscription_center?add_user=nomadcapitalist Buy Andrew's Book: https://nomadcapitalist.com/book/ DISCLAIMER: The information in this video should not be considered tax, financial, investment, or any kind of professional advice. Only a professional diagnosis of your specific situation can determine which strategies are appropriate for your needs. Nomad Capitalist can and does not provide advice unless/until engaged by you.
Deb Muller is the founder and CEO of HR Acuity. Driven by an obsession to do things right, particularly in employee relations, she has spent her career championing excellence and effectively managing workplace investigations. After serving in executive HR roles at numerous Fortune 500 companies like Honeywell, Citibank, and Marsh & McLennan, Deb launched HR Acuity to create technology with built-in expertise and equip organizations to strategically manage employee relations.
In this episode, we are joined by guests Elaine Buckberg, Chief Economist of General Motors, and Nathan Sheets, the Global Chief Economist at Citigroup and for a peek behind the curtain into the Economic Outlook through an economist's lens and why they're feeling optimistic. Citibank N.A. and General Motors are not affiliated and are independent companies. Citibank has onboarded General Motors as a client for payment solutions. The speaker's views are their own and are not associated or may not necessarily reflect the views of Citi or any of its affiliates. Forecasts may not be attained.
A reported combination of avian flu hen culling and sharp increases in feed costs and farming expenses worldwide have led to another wall climb in price for a staple in the world's everyday diet. The highly nutritious chicken egg often fetches more than 50¢ per single egg in city retail supermarkets in the USA. The internet was ablaze on the matter, with every meme maker seemingly all clowning on the skyrocketing price of eggs and the increasingly limited availability of supplies. This past Wednesday's CPI report was the most significant moment in gold trading in this fresh new year.
This episode features the masterminds behind Roofstock OnChain, Geoffrey Thompson, and Sanjay Raghavan. We discuss the revolutionary product of tokenized real estate, how it works, the problems it solves, the incredible scaling power of this new technology, and who it is for. Geoff Thompson built his career at top-tier law firms practicing in the areas of capital markets, banking and credit, structured finance, private equity, and cross-border transactions. Geoff's prior role at Roofstock was as general counsel where he advised on partnerships, product innovation, fundraising, deal structuring, real estate matters, securities law, international expansion, and all other legal and compliance matters. Sanjay Raghavan is the Head of Web3 Initiatives of Roofstock onChain where he leads the real estate investing platform's blockchain initiative. After being accepted into Cypher Accelerator, Sanjay continues to build connections between real estate investing and blockchain. Sanjay is also an advisor at Pudgy Penguins NFTs. Roofstock onChain is the Web3 subsidiary of Roofstock, the leading digital real estate investing platform for the $4 trillion single-family rental home sector. Relevant links: https://mobile.twitter.com/eth_sanjay https://mobile.twitter.com/_gthomps Before we jump into the episode, here's a quick disclaimer about our content. The Remote Real Estate Investor podcast is for informational purposes only, and is not intended as investment advice. The views, opinions and strategies of both the hosts and the guests are their own and should not be considered as guidance from Roofstock. Make sure to always run your own numbers, make your own independent decisions and seek investment advice from licensed professionals. Michael: What's going on everyone, Michael Albaum here from the Remote Real Estate Investor, we're actually in the midst of a pivot and so we're changing the name of our show to be the SFR show. Reason being is we really want to double down on the single family rental industry as a whole and so we wanted to pick a title and a name that's reflective of that. So join us here on the new show, the SFR show where we're gonna be bringing you everything you need to know about SFR investing from what the market is doing at the micro and macro level, to what the factors are influencing and changing the space. So let's kick it off with this first episode. We hope you enjoy. Hey everyone, welcome to the SFR show. We're going to be talking today with Geoff and Sanjay on Roofstocks web three team about cryptocurrency tokenization, alternative investments, portfolio theory and risk management just to name a few. So with that, let's just jump straight into it. Geoff and Sanjay, good to see you both. How have you been? Sanjay: Great. Good to see you again and, Michael, you look really different from the last time we spoke and so much younger and much more refreshed, I think after the holidays. Michael: Thank you. Yeah, I came back from the holidays ready, you know, cut, put some 10 pounds on and took 10 years off my face. So I'm doing the best I can, so… Geoff: That's it. Michael: That's it. So for anyone who didn't catch our prior episode together, I'd love if you could give a really quick intro who you guys are and what is it that you're doing here at Roofstock. Geoff: So yeah, we are co leading the web three business unit every stock. I'm Geoff Thompson, this is Sanjay Raghavan and we have been at Roofstock for several years and over the last year, we've spent all of our time focusing on how to use blockchain and web three technology to improve the real estate transaction process and to generally make single family rentals more accessible and asset class. Michael: And for anyone who isn't familiar with what web three is definitely go back and give that prior episode a listen. Sanjay gets into it and kind of what the technology is. So I'm curious gents where we are today, where are you seeing blockchain and tokenization playing a role in the single family space. Sanjay: So first of all, we had a sale of our Genesis property in mid-October. So for your audience who may have read about it on crypto Twitter or on media publications, that was a very successful launch of this product, we spent about 10 months working on legal and tax analysis of how to structure this product so that it would be compliant and when somebody was purchasing this property in a web three as a web three home, they were in fact getting, you know, ownership of the underlying assets. So that took us about 10 months to engineer and the sale. The first sale that happened in mid-October was a huge success, went viral on crypto Twitter, and was picked up by all the leading crypto and non-crypto publications and the reason for that was because for the first time, what really happened in crypto and blockchain, which, if your followers are looking at the market, in general, this has been a really particularly bad year in the industry for the stock market. Inflation has been at a 40 year high feds have been drastically, like we went to 475 basis point interest rate hike and so, you know, we're going through this very tumultuous time in the industry and crypto has not been an exception, either, they've, you know, Krypto has been having an unprecedented winter, where either like Bitcoin and Aetherium lost 60% of their value since last year to this year and then a bunch of crypto companies went insolvent, because of various either it was just poor risk management or just, you know, for whatever other reasons, you know, they didn't have the capital to withstand the, this bear market. So during these times, you know, this was sort of like a ray of light in this industry, because we had successfully demonstrated that it was actually possible to sell a single family rental property, which normally is a three four week closing process was done instantaneously using battery technologies. But we were also able to find a leverage partner who was able to provide a loan for that property at a 65% LTV and so the combination of all of this really was a very positive thing in the industry, and we got a lot of outreach because of that. Michael: Hopefully it wasn't FTX, right… Sanjay: No, the leverage partner was not FTY, it was Dehler finance. But specifically, you know, about your question about, you know, with respect to blockchain tokenization, what does that really mean for real estate is that, you know, we've been able to now demonstrate that it is possible to have a better sale experience, right? When you typically look at the three week closing process on a real estate transaction, there's a bunch of contingencies on an offer, both the buyer and seller are extremely nervous about what happens during the diligence period in those three weeks. You know, like, for example, as you're aware, you know, the inspection results come in, and then you find out something about the property that you were not aware of before and then there's typically some kind of negotiation that goes on the offer price after the fact. There's an appraisal, contingency financing contingency, and, you know, so anything can happen during this three week period, the seller and buyer, even though an offer was accepted, may have a disagreement later on, you know, based on the results of further analysis, and sometimes the offer can be rescinded and then you're back to the drawing board trying to relist the property and sell it. So it's a particularly stressful time, both for the buyer and seller and doing it through this web three mechanism essentially allows us to take a lot of that diligence, which still has to happen, but we're just moving it, you know, upfront in the process, so the buyer and seller have access to the same information about the property, and the buyer is able to perform all of their diligence upfront. The way Geoff talks about his experiences, you may spend a week or two looking at Amazon Prime to figure out what you want to buy for Christmas. But once you've made that decision, you want it to be delivered, you know, on Amazon Prime, same day or next day, you don't want to wait four weeks for it to be then shipped from China to you know, get to Los Angeles, and then from there to be transported to, you know, San Francisco. So, you know, we really want to make this process easy for people, right. So you do all your diligence upfront, but when you decide to make that purchase decision, it happens instantaneously and on top of that, when you add that financing in a way that's asset based and not based on your personal credit underwriting, you're not trying to find a lender and you know, sending them two years of tax returns and bank statements and as you as you're aware, Michael, what happens in this process is you send all this information, you get a pre underwriting approval and then as you're getting ready to close on the property a month or two have elapsed, and all your information is outdated, and you're resending all the information back to the lender. So you know, you want to avoid all of this as well, because that's also incredibly stressful as you're going through a purchase process and here, because it's a rental property, it's cashflow generating, you based on the value of the asset, you can actually underwrite the loan and say, you know, it's a $200,000 property, I'm comfortable giving you $100,000 loan against it and that makes the lending paradigm a lot simpler as well. So overall, it's generally a better experience, both for the seller and the buyer, when you bring in the battery technology into this process. Michael: This is mind blowing, you guys. So, I'm curious, like, how are you seeing really or rather, are people doing this at scale? I mean, is this we did it once we've, we've proven that it can be done once. But what is the scalability factor look like here? For both buyers and for sellers? Geoff: It is yeah, I can jump in here. It is scalable. It's scalable in the same way that buying and selling homes today can be done, you know in bulk, or you can assemble your own portfolio over time. It's not you know, there isn't a delayed production process in creating these and preparing them to be sold on the blockchain. We do get that question a lot. Well, how much does it cost to mint a token? You know, is it 10s of 1000s of dollars? No, that's, that's essentially free. How long does it take, it's essentially instantaneous. The work that we do to prepare this to be sold is, is what Sanjay alluded to the diligence and inspection making sure everything photos have been taken, taxes have been paid HOA square all of those things. That's what we do up front, which has to happen in any real estate transaction, we just package that up in a very short timeframe of you know, call it five or 10 days, once the home has been purchased, and rehabbed and you know, it's ready to be listed for sale. So this can be this can be scaled and then once the home has been put on chain, then this is where the seller really is going to feel the scalability and the ease of interaction because imagine that you own five or 10 or you know some number of homes, you want to rebalance your portfolio. Maybe you want to get into one market and get out of another market. Right now you know, you'd have to do that through the traditional process. It might take a few months and involved a number of different intermediaries. In our case, if you if you own those homes as tokenized properties, we can get them ready for sale in five or 10 days, and then they can be listed immediately and once they've been listed on an NFT marketplace, the sale can happen with one click. So you don't as the seller, you don't have to go through a you know, a prolonged and painful back and forth with the buyer countering after they get the inspection and you know, trying to haggle on the price or trying to get a discount here, whatever it might be. That's all taken care of up front. So in that sense, it's it does make this much more scalable and much more liquid than the traditional process. Michael: Should audience and listeners be thinking about crypto almost like a foreign currency and so just quick anecdote. So I've invested in Portugal, I signed my purchase agreement to purchase the property in Portugal back in 2020, just before the pandemic, then where the dollar was really strong against the euro than the Dollar tanked against the Euro and so I changed money after the fact and just got totally hosed on the exchange rate. How should people be thinking about exchange rate, if you will, between cryptocurrency and whatever currency there? Sanjay: Yeah, that's a that's a really good question, right and when you think about a cryptocurrency, like Bitcoin or Aetherium, these are the two sort of more commonly discussed cryptocurrencies, in a way it is, you can make the analogy that these are almost as though they are, you know, sovereign currencies of their own and there is an exchange rate between the US dollar and Bitcoin or Aetherium. The only difference here being that, you know, unlike Euro, or the British pound, where they have their own fiscal and monetary policies that, you know, determine what happens to their bank against the dollar, in the case of cryptocurrencies, they are highly volatile and we see that there's, they're very, actually strongly correlated to the stock market today. So, when, for example, the, there was an indication that the feds might slow down the rate at which they're increasing the interest rates and I think the expectation for, I believe this week the Fed is meeting and the expectation is that this week, it will be a 50 basis point taken sort of a 75 basis point high, the stock markets rallied and sorted Bitcoin with that and however, even though they're kind of strongly correlated, they're also highly volatile and so when we talk about people having cryptocurrencies that they can use to buy these properties, we actually suggest that they buy and keep their money in stable coins, which are pegged against the US dollar and there are companies such as circle which have USDC, and Paxos which has its own version of dollar pegged stable coin. And having your money in stable coins means that you're not subject to the same volatility, as Bitcoin or Aetherium might be which can drop or go up in value by 20-30% in a single day and that's, that's how we will really think about it. If people want to, you know, have an allocation, if somebody is really long on Bitcoin or Aetherium, and they want to have an allocation in that asset class, that's fine. As long as they're aware that those are highly volatile and in the short term, they could be, you know, fluctuating quite a bit. Michael: Yeah and that makes sense and so when are you seeing people make the change from the stable coin to whatever coin they're going to be using to purchase the properties? Sanjay: So the stable, you can actually purchase properties with stable coins and because, you know, we have a way to when we received those stable coins, for example, if we are the seller of the property, and, you know, property is purchased using, let's say, serpents, USDC. Once were paid in USD C, we have a way to convert that back into US dollars. So that's, you know, it makes essentially, you can think of the stable coins as programmable money meaning this whole transaction is happening on the blockchain, and it's happening through a piece of computer code, there's no you know, you and I are not sitting across the table signing documents and you know, giving a check and receiving title and in return. So, this is all happening because a piece of computer code is transferring money from you to me and transferring the, the LLC through the NFT giving you the LLC that I own, which has this property and since this is all being executed by computer code, this stable coin is really, you know, we refer to it as programmable money because a piece of computer program is able to move money from you to me, and, and allow this transaction to happen in that one click process that Geoff was talking about earlier. Geoff: You know, it feels like this is the way things should work, right? If you think about the system that we have right now for closing property transactions. It's basically inherited from England 800 years ago. You know, we've made small advancements, but not really and it shouldn't you know, it all of everyone who is involved in these transactions, and every step that's taken is taken for a reason it's solving a particular problem. But if you stop and rethink how this is done, you realize that by reordering some things, and maybe, you know, using a splash of new technology here, you can actually dramatically change the experience for everyone and it's not necessarily, you know, a zero sum game, I think it's best, it's better for everyone, everyone who's in the industry is going to be better off, there will be more transactions, because it's easier to transact, there'll be more demand because people are interested in getting in, if they know they can get out easily, right? Right now, you know that if you're looking at buying a property, you're probably going to have to hold it at least five years to recover your closing costs and wait for it to appreciate a little bit and you know, it's going to be a headache, when you do have to sell, if you don't have those constraints, you know, transaction fees are less and the time involved is less, you'll be more inclined to get in the market, because you know, you can get out when you need to. Sanjay: And, you know, I'll also add one more thing to that, right. So Michael, if you think about, you know, back in the day, when there were these kind of all day, buyers, a lot of them were like businessmen that, you know, one year, they might have made half a million dollars, but you know, then another year, it was only 150, or something and so it's very hard to underwrite those types of folks through a traditional underwriting process, because you're looking at two years of, you know, income and tax returns, and all of that, and a lot of them may not can qualify for more conventional financing. However, in an asset based lending type solution, you know, as long as you have the money, and, you know, you're not constrained by, you know, your income for the last two years or three years, as long as you have the money to buy the, you know, to put in as down payment on the product, and the asset itself has the value, you're able to borrow against it much more easily. So, you know, we just talked about the complexity of closing a real estate transaction, in general. But once you add in the financing layer, on top of that, it gets even harder because, you know, there's, again, in a in a, you know, when the market is going up, you just, you just don't know, if you know the max, you want to make the best offer, you can but at that offer, you don't know if you will qualify for the loan, because the also the rate might have moved since the time, you initially got underwritten and suddenly, with the new rate, you don't qualify anymore for that and you have to find that little bit more down payment to offset it or buy some points. You know, you and I have gone through this numerous times in our lives. But you know, you can avoid all of those types of issues because in an asset based lending program, you know, that when you buy this asset, which is worth $200,000, there's a lender, if they're willing to come in at 65%, LTV, you know that based on the value of the asset, you're going to get that loan. Michael: And if we just decouple the crypto piece of this and blockchain piece of this, I mean, asset based lending, is that available for regular folks? Sanjay: So in the traditional finance world, it is available, right, but it becomes it becomes harder, because when you're buying an investment property. As you know, Fannie Mae puts limitations on how many investment properties you can get financing for as an individual. Once you get past that limit, then you're looking at pretty much private money, hard money type lending solutions, until you can get up to a scale where you have enough properties where Citibank or Wells Fargo or Goldman Sachs might be interested in working with you. But there's this pocket where after you know, your first 10 properties till you get to a few 100, we are primarily working with, you know, non-bank lenders who are generally, you know, where the rate could be 10 or 12% and then, oftentimes, some of these lenders will also ask for a personal guarantee on top of it. So it's not, you know, while it is possible to get financing on investment properties in the traditional finance world, at some point, it doesn't scale very well and, you know, you're sort of in that desert for until you can somehow figure out a way to get to 200 properties when suddenly the larger lenders are willing to talk to you. So that problem goes away when you're using Blockchain, and specifically decentralized finance or defy as we refer to it, because they're incrementally each property that you're buying is getting financed based on asset value and so you know, you're able to get a much more sort of a pleasurable experience to get through the lending process on the blockchain than on the traditional work. Michael: Let's pivot just a little bit and talk about risk management and portfolio theory and as folks are starting to scale their portfolio or really as institutions have already a sizable portfolio, where does tokenization fit in to their playbook? When's the appropriate time? When should people be thinking about it in general? Sanjay: The way I like to answer this question is if you as an individual, if you went to your financial advisor, and said, okay, you know, I have, you know, a million dollars, I want to invest, and I want to make sure there's, you know, come up with a portfolio allocation, that makes sense for me, typically, they're going to, like, in the old days, it was just a sort of a 60,40 rule, there was 60%, in stocks, 40%. In bonds, yeah, but I think people have gotten smarter over the last 10 years and nowadays, when you go to a financial advisor, they're going to say, some allocation in stock, some allocation in fixed income bond products, and then an allocation to alternative investments, because that's where, you know, you can get non correlated yields, because the stock market moving in one direction should not and like, you know, God forbid, if you have an emergency, and you need some cash, like this would be a, you know, if you bought at the height of the market last year, this would be a really bad time to sell, you know, your S&P 500 shares to, to, you know, pay for whatever you had to write, whether it's a wedding, a doctor's thing, education, whatever it is. So, generally speaking, financial advisors these days suggest that you should have an allocation in alternative investments that are non-correlated to the stock and bond markets and, you know, you can access that pool of capital, you know, when you need to, right. So from that, from that perspective, diversification, and then when you talk about alternatives, there's, obviously, there's a wide range of assets there. But real estate is on top of mind, for almost all the, you know, anytime we talk about alternatives, real estate, sort of is one of the top things people talk about. So from that perspective, you know, almost every investor should probably be looking at some allocation, and it will depend on their individual circumstances, whether their age, their income, their marital status, and you know, their need for cash there, this cauldrons and all that, but, you know, advisors might ask you to put five to 10% or, or more into alternative asset classes and so the same financial hygiene should also be applied by corporations and institutions, because you're sort of being asked to manage the treasury of your company, let's say you are a venture funded company, and you just raised $100 million, well, you are going to keep a good portion of that money in cash and cash like instruments, money market, and so on, because you have working capital, you have other things that you need to be spending on. But some allocation of that you might put in US Treasuries, for example, right and in the crypto world, crypto institutions may keep some allocation in Bitcoin and Aetherium and other protocols that they have high conviction and but nevertheless, whether it's a web two institution or a crypto institution, it's just basic financial hygiene to have an allocation in alternative asset classes and specifically, with our product, being a web three product, you know, that money can stay, you know, essentially, the token they're purchasing is a is an NFT and it is part of the blockchain ecosystem, so they can keep their assets within the crypto world without having to continuously off ramp into US dollars and then on ramp it back into crypto when they need to switch back and forth with respect to how they receive rental income, of course, you know, if your properties are managed by a property manager, which they should be because institutions are not in the business of managing properties, you can collect your rent in cash if you have, you know, if you have to, if you have expenses that need to be paid out in US dollars, but also if you want to collect your rent and USDC or DDM, you have the option to do that as well. So whether you're a two institution or a web three institution, depending on your cash needs and your crypto needs, now you can have a yield generating crypto asset, and the yield can be collected in Fiat or in or in cryptocurrency. So, you know, it is good financial health to do it. We encourage everybody to have some allocation, whether it's through Roofstock, or through any other channel channels that they would like to pursue, but they should have some allocation and alternatives if it just makes sense. Geoff, if you'd like to add something back? Geoff: No, that's it. I mean, in our case, because we've designed a solution that allows you to transact with crypto natively. This is something that we've heard from a number of crypto or web three institutions that it's potentially very interesting for them, as opposed to maintaining all of their assets in a cryptocurrency or a stable coin, this isn't a way to get access to, you know, a diversified asset that does create yield and it does have a price appreciation component. So there are a lot of, you know, we've heard from the web three community in particular that this is a perfect diversification play. Michael: And if I'm someone that owns a sizable portfolio, maybe I own it all in cash, because that's been my mantra and I do need that quick capital injection. I mean, could I tokenize these properties and then go get asset based lending and convert that into cash very quickly. Geoff: Yes, that's your thinking ahead, I like that. Yes, the properties can be tokenized. Basically any point in their lifecycle. If you own them, now, you bought them through a traditional sale and settlement, you can, you know, basically what it means is you have to drop it into an LLC and the LLC has a particular structure that we've worked out, it is very particular. So you know, we'll work with you to set that create that LLC, to help transfer the property into the LLC. In most states, I think the vast majority of states that transfer from an owner to an LLC that's owned by the owner doesn't create transfer tax obligations. So there's, you know, there's a little bit of the traditional closing costs, recreation fee, or whatever that might be part of that. But it is perfectly possible to onboard existing assets that you own into the system and similarly, for if we're talking about other points in the lifecycle for builders, we've had a few builders reach out and say they're close to completing a community and they might want to try to sell some of these as in an NFT form, those can those new assets as new properties that really have never been titled before, those can also be titled directly into an LLC. So it's a very flexible structure, it accommodates property at whatever stage of the lifecycle it's in. Michael: Anyone who's got conventional financing experience under their belt might be listening to this and saying, Well, you're talking about lending or talking about LLCs. Those two things often don't jive play nice get in the sandbox. So the acid base lender that we're working with, or that we are going to be working with, I would imagine has no issue lending to an LLC. Is that right? Geoff: Yes, that's exactly right. The lenders that we're working with are the web three lenders, we have talked to numerous traditional lenders, and some of them expressed a lot of interest in digital assets and maybe they've even created a team. But in most cases, the underwriting aspect of it isn't, isn't there yet. They're not ready to take this to credit committee and make a loan on the structure that we're proposing here but that's okay because there are there's a lot of money that's available in the web three space, and it is more flexible in terms of what it requires. They don't necessarily need to have all of the same checks and balances that a traditional lender would be in terms of underwriting against the individual. They can be comfortable underwriting against the asset, because they're comfortable that in the event of default, that asset, it is already in their vaults. So it's in the lenders wallet at the time of default and because we're building this system where you can sell them through an NFT marketplace, there is liquidity that there wouldn't otherwise be if you were holding this you know the traditional way so you to your to your question. Are Trade Fi lenders, the traditional finance space interested? Yes, we've heard some say they're interested we haven't seen anyone actually show up to engage in detail. But there is an entirely separate pool of capital into web three space that's much more flexible and willing to work with Blockchain structure. Michael: I think my last question, guys before I let you out of here is like I'm sold this sounds obviously like a really great product, like a really cool technology that exists. Who isn't this for who, who listening to this should think about that. It's not a good fit for me because XY and Z. Sanjay: Yeah, I mean, I can start with a couple of things and then Geoff, you can add to that as well. So if the property already has financing in the Trade Fi world, this structure is hard, because we can't really transfer unencumbered property into an LLC and then tokenize it right because there's a traditional mortgage on the property and there's a whole kind of thing that's a fillip off chain, in terms of financing. So it's not going to work. If primarily you're looking to get off chain financing, then this is not for you. You have to you know, sort of follow the traditional sense. But anybody that's open to purchasing this as a web three property and open to looking at web three financing alternatives. For those people, this absolutely should be something they should consider. The one kind of drawback or question we've heard from a lot of people as they need to become familiar with how to use crypto wallets and how to essentially convert money into USD C or some stable coin, and then use that to go and make a purchase. We're here to help with those types of Q&A, right? The, you know, until you do it for the first time, it's hard, but after you've done it, then it's you know, it's easy, right? Just like when we, the, you know, iPhones first game, and people didn't know, you know, how do you which way do you swipe to do what, but then over time you get used to it and so we're absolutely happy to help anybody that's staying in the sidelines, purely because they don't understand the technology aspects of it, we can help them out. But for people that have financing constraints or other things, and you know, for them, it is until they can, you know, overcome those issues and look at sort of a pure web unencumbered property in the web three world with, then financing added to it on the blockchain. So for those audiences, that might, you know, until they figured out that, it might be a challenge. Geoff: I'd also add for owner occupants, the financing isn't fully worked out yet. So the financing that we added to the initial home sale a few weeks ago, that was very much geared towards an investment property, and for the immediate future, to the extent that we're building out the different options for defi lending, it looks like most of them will be focused on these as investment properties, as opposed to owner occupant properties and that's for lending law reasons, not wanting to cross over into a mortgage lending licensing requirement and it also just dealing with, you know, the people that are different in the, at that point, the underwriting is different as well, because it's not as easy to necessarily sell that asset if the owner is living in it and so that type of thing. So for at the at the moment, we're thinking of this mostly for investment property, use cases. Michael: Really, really cool stuff. For people that have questions that want to reach out that want to learn more, what's the best way for them to do so? Geoff: Reach out on Email or Twitter. We're, we can drop our emails here, but it's: email@example.com or is it sraghavan, right? Sanjay: Yeah, it's a sraghavan, so: S R A G H A V A N @roofstock.com. I'm also @eth_sanjay, Sanjay, Y on Twitter, so you can also reach out to me there. One thing before we sign off for today, we're super excited to say that we are in the process of closing our second property, that's going to get tokenized. Soon, this one's going to be in Georgia, at CES Atlanta suburb and we'll be going through the process as soon as this is closed in the next few days, we will be going through the process of documenting what the property looks like when we bought it and any Rehab we end up doing on it and you know, they'll be you know, talking about it on social media quite a bit as well as people who are new to real estate investing, maybe this is an opportunity for them to understand, well, you know, what are the kinds of things people should be looking at when they're analyzing a rental property and so as we go through the process of rehabbing this will sort of document that a little bit. But that, you know, once the rehab is completed that that'll get, they'll get tokenized soon, but once the rehab is completed, we'll have it available for sale. Michael: Awesome, we'll definitely have to keep my eyes peeled for the process and for the property once it's finished. That's super exciting. Well, guys, it's always a pleasure, great seeing you both. Thanks for hanging out with me. Sanjay: Thanks for having us. Geoff: Always great to chat. Sanjay: Bye! Michael: Take care and talk soon. Hey, everyone. That was a wrap to our show. Thank you so much to Geoff and Sanjay. Super, super, super interesting stuff. Definitely leave us a rating or review wherever it is you get your podcasts and definitely reach out to those guys if you have any questions about web three, about tokenization about cryptocurrency home purchases. Again, really cool stuff. We look forward to seeing you on the next one. Thanks so much for listening. Happy investing…
Paula Scher is one of the most acclaimed graphic designers in the world. She has been a principal in the New York office of the international design consultancy Pentagram since 1991, where she has designed identity systems, environmental graphics, packaging and publications for a wide range of clients that includes and is not limited to, the Public Theater, the Museum of Modern Art, the High Line, the Metropolitan Opera, the United States Holocaust Museum, Tiffany & Co., Citibank and Microsoft. Scher has been the recipient of hundreds of industry honors including the National Design Award and the American Institute of Graphic Arts medal. She is an established artist exhibiting worldwide, and her designs are in the permanent collections of the Museum of Modern Art, the Cooper Hewitt National Design Museum, the Library of Congress, the Victoria and Albert Museum, and other institutions. Scher is the author of many books including and not limited to Paula Scher: Twenty-Five Years at the Public: A Love Story (2020), Paula Scher: MAPS (2011), and Make It Bigger: (illustrated monograph on the design process and work of Paula Scher) (2005). Her #HealthDesign projects have included Period Equity, Planned Parenthood, and Square Peg Round Hole. A must watch documentary on Scher and her work can be seen in the Netflix series “Abstract: The Art of Design.”
In this episode of the Top of Mind podcast, Mike Simonsen sits down with Clayton Collins, Founder and CEO of HW Media, to talk about the big trends shaping the 2023 real estate and mortgage markets. Clayton offers his vision for how real estate professionals can better access information, shares the inside scoop on what mortgage executives are preparing for in 2023, and tees up the key tech trends coming this year. He also explains why he's optimistic for the second half of the year. About Clayton Collins Clayton Collins is the Founder and CEO of HW Media. He leads HW Media's corporate strategy and content roadmap while building a world-class team of business media professionals. He is also the Managing Partner of Riomar Capital, an entrepreneurial investment firm that acquired HousingWire in 2016. Prior to founding Riomar Capital, Clayton worked at RBC Capital Markets in the mergers and acquisitions group and served as Vice President of National Sales and Marketing at Citibank. Clayton holds a degree in business administration from Elon University and completed his MBA at The Fuqua School of Business at Duke University. Here's a glimpse of what you'll learn: Clayton Collins' vision for how to get real estate professionals better access to information What the mortgage executives are saying about 2023 Why an economic recession could be *good* for housing What opportunities Clayton sees for first-time home buyers in this market The surprising gap between mortgage company headcount and transaction volume The most important mortgage technology innovations to pay attention to Whether single-family rental investors might exacerbate or mitigate this housing recession Why Clayton's optimistic for the second half of 2023 Featuring Mike Simonsen, President of Altos Research A true data geek, Mike founded Altos Research in 2006 to bring data and insight on the U.S. housing market to those who need it most. The company now serves the largest Wall Street investment firms, banks, and tens of thousands of real estate professionals around the country. Mike's insights on the market have been featured in Forbes, New York Times, Bloomberg, Dallas Morning News, Seattle PI, and many other national media outlets. Resources mentioned in this episode: Clayton Collins on LinkedIn | Twitter | Instagram HW Media Housing News podcast “How the Fed Is Reshaping America” with Nick Timiraos Mike Simonsen on LinkedIn Altos Research Follow us on Twitter for more data analysis and insights: https://twitter.com/altosresearch https://twitter.com/mikesimonsen See you next week!
“Success means being in a place of contentment, happiness and peace with all things that are happening in my life, regardless whether your circumstances are good or bad.”This week's guest Eunicia shares with us her story on living paycheck to paycheck because of an endless search for “happiness” and how changing the way she views having money, allowed her to optimize her own wealth. Now she supports individuals and business owners to build their wealth and create financial freedom from a place of abundance. About the Guest: Eunicia is a seasoned executive and business owner, accomplished financial consultant, mentor and educator. She is the CEO and Founder of Empowered Financial Planner.On her own journey, she went from rebuilding her financial independence from nearly nothing to over 6 figures in less than a year using the same methodology she uses with her clients.In addition, she has worked with and set hundreds of clients on their paths to financial independence and wealth optimization.Eunicia is a senior contributor to Brainz Magazine and collaborates with many globally known thought leadership experts.In her past she's worked with the world's most renowned financial organizations such as Citibank, AMEX, Aviva, SunTrust, etc. Eunicia was also a trusted advisor to top level executives, and invested heavily in identifying leading practices when it comes to delivering value to her clients.Eunicia is passionate about seeing true transformation in her clients' financial success stories.She is a happy wife and proud mommy of two amazing children. In her spare time, Eunicia enjoys spending time with family, spending time in nature and reading self-development books.Website: www.empoweredfinancialplanner.comSocial links:https://www.facebook.com/euniciaoperet; https://www.facebook.com/empoweredfinancialplanner; https://www.instagram.com/euniciaperet/; https://www.linkedin.com/in/euniciaperet/#; https://twitter.com/euniciaperet; https://www.youtube.com/channel/UCzSkmxARMNMrjnz6FwlbMXAAbout the Hosts:Blair Kaplan Venables is an expert in social media marketing and the president of Blair Kaplan Communications, a British Columbia-based PR agency. As a pioneer in the industry, she brings more than a decade of experience to her clients, which includes global wellness, entertainment, and lifestyle brands. Blair has helped her customers grow their followers into the tens of thousands in just one month, win integrative marketing awards, and more. She has spoken on national stages and her expertise has been featured in media outlets including CBC Radio, CEOWORLD Magazine, She Owns It, and Thrive Global. Blair is also the #1 best-selling author of Pulsing Through My Veins: Raw and Real Stories from an Entrepreneur. When she's not working on the board for her local chamber of commerce, you can find Blair growing the “I Am Resilient Project,” an online community where users share their stories of overcoming life's most difficult moments.
Ross Dawson's mission in life is to advance human evolution – but he's facing a dilemma. How can humans evolve in the Information Age when so much misleading and distracting information surrounds us? By figuring out where to find value amid information overload, Ross became a globally-recognized futurist, creating better business strategies for companies like Microsoft, Coca-Cola, and Citibank.Ross is a global keynote speaker, futurist, author, strategy advisor, and entrepreneur. As an advisor, he has worked in over 30 countries for big names like Microsoft, Visa, and Walmart, among others. He is a best-selling author who predicted the social networking revolution in his book, Living Networks. His latest release, Thriving on Overload, is available now.In this episode, Dart and Ross discuss:- How to find value within our information overload- The 5 capabilities you need for success in the information era- The 6 ways humans pay attention- Ross' time living in a Japanese Zen dojo- The importance of aligning individual mental models within a team- Information hazards we can avoid- The future of humans and technology in work- And other topics…Ross Dawson is a globally-recognized futurist, keynote speaker, author, strategy advisor, and entrepreneur. Named by Digital Media as one of the most influential people in the world in the future of work, Ross has appeared on CNN, ABC TV, and the Today Show, as well as been featured in The New York Times, The Guardian, and BBC, among others. As an advisor, he has worked in over 30 countries for companies like Microsoft, Coca-Cola, Visa, Citibank, and Walmart. Ross is also the best-selling author who predicted the social networking revolution through his previous book, Living Networks. His latest release, Thriving on Overload, is available now. Resources Mentioned:Thriving on Overload, by Ross Dawson: https://www.amazon.com/Thriving-Overload-Success-Exponential-Information-ebook/dp/B0BFP6WCHP Living Networks, by Ross Dawson: https://www.amazon.com/Living-Networks-20th-Anniversary-Hyperconnected-ebook/dp/B09V1PCFWB Winning on Purpose, by Fred Reichheld: https://www.amazon.com/Winning-Purpose-Unbeatable-Strategy-Customers-ebook/dp/B08TCJHZWZ Connect with Ross:www.RossDawson.com www.ThrivingOnOverload.com Thriving on Overload podcast: https://thrivingonoverload.com/episodes/
Hear how to build workplaces where everyone is valued This podcast interview is exceptional. Just listen to Maria Colacurcio tell you about her journey and think about your own. Her career has spanned many different industries, propelling her to leadership positions in innovative companies. Our conversation took us through those profound experiences and unexpected moments that can transform our lives in new ways. Others often accelerated her career, seeing her talent and advocating for her. She speaks about learning on the job and being excited when new career opportunities opened up for her. She also provides wisdom to other women and men trying to build more diverse, equitable and inclusive organizations, and how women are changing our society, a step and then a leap at a time. Enjoy. Watch and listen to our conversation here Maria's mantra: "When preparation meets opportunity" Today, Maria is CEO of Syndio, a SAS startup helping companies worldwide create an equitable workplace for all employees, regardless of gender, race or ethnicity. Before Syndio, she co-founded Smartsheet.com, which went public in 2018. She then spent three years at Starbucks, one of the first Fortune 50 companies to go public with pay equity results. As a CEO, she is walking the walk on eradicating workplace inequities, serving on the board of the nonprofit Fair Pay Workplace and having been named one of the 100 most exceptional entrepreneurs by Goldman Sachs Builders + Innovators Summit for two consecutive years. While her professional career has been exceptional, I was particularly impressed with how Maria wove into our conversation that she is the mother of seven children, gets up before 5am, works for an hour, and then works out. After listening to our interview, let us know how you are growing in your own personal and professional life and who is helping you along the way: Info@simonassociates.net. To connect with Maria, you can find her on LinkedIn and Twitter. Is DEI really possible in today's woprkplaces? Yes! Check out these 3 podcasts Maureen Berkner Boyt—Diversity and Inclusion: Let's Go Beyond Hoping and Make Inclusion Really Happen Rohini Anand—Can Businesses Create Cultures Based On True Diversity, Equity and Inclusion? Kim Graham Lee—How To Build A Culture Where Men And Women Truly Support Each Other Additional resources for you My two award-winning books: Rethink: Smashing The Myths of Women in Businessand On the Brink: A Fresh Lens to Take Your Business to New Heights Our website: Simon Associates Management Consultants Read the transcript of our podcast here Andi Simon: Welcome to On the Brink With Andi Simon. Hi, I'm Andi Simon. I'm your host and your guide. And as we come together for all of our podcasts, I want to celebrate my audience because we're in the top 5% of global podcasts. And I thank you for your support for sharing and collaborating with us on great ideas. My job is to help you do something that's very painful: to see, feel and think in new ways so that you can soar. And I love to bring you my guests because they're going to give you some insights about their own journey, and about how you can get some key takeaways on how you can build your own career, your business or wherever you're doing. So today, I have Maria Colacurcio. And Maria is smiling at me because I'm so delighted to have her here. We're in the process of writing our next book, Women Mean Business. Maria has a whole chapter in it. And in sharing her wisdom, I was just absolutely impressed with who this woman is, what she has done and why she's a wonderful person for you to know more about. Let me tell you about her bio. She's passionate about helping companies build equitable workplaces, where every worker is valued for who they are and their contributions that sort of sets the stage for what she's doing today. And she'll tell you more about it. And Maria is CEO of Syndio, a growth startup, it's really on its way. She helps companies around the world create equitable workplaces, for all employees, regardless of gender, race, or ethnicity. My clients tell me how difficult it is to know whether or not they're paid the same salaries for the same job depending on who the people are, and whether or not they're really doing it intentionally or by chance. Well, give the data to Syndio and next thing you know, you have a really good database, and you know what's going on. Prior to Syndio, Maria co-founded smartsheet.com and went public in 2018. She spent three years at Starbucks. But she started her career working on congressional campaigns and has a long history of mission-driven work, and a compassionate and competitive attitude to spur change. She's smiling. Sometimes when you hear yourself coming back and you go, oh, who is that? And is that really me? She serves on the board of the nonprofit Fair Pay Workplace, and has been named one of the 100 most exceptional entrepreneurs by Goldman Sachs' Builders and Innovators Summit for two consecutive years. She went to Whitworth University where she studied history, political science, and minored in music and studied vocal opera. Isn't that a beautiful Renaissance woman we have? Maria, thank you for joining me today. I truly appreciate it. Now, your turn to tell the audience who is Maria, what's your journey been like? I can read a bio, but you make it come alive. And it's so rich. Please, who's Maria? Maria Colacurcio: Yeah, thank you so much for having me today. It's just a delight to be here. And I've had such a great time collaborating with you on the book. And I'm so looking forward to seeing the 99 other women who are profiled in that. So I am sort of, as you stated, I think I have a very nonlinear path in many, many ways in my life and career. And I think it all culminates in this idea and experience around how do you think about a growth mindset as it actually unfolds in front of you? And for me, when I think about being a history major, going to a very liberal arts-oriented college, being a first generation college grad. I grew up in a very strong Italian American family. My dad and my Italian uncles all served in different branches of the military, none had ever gone to college. So it was really important to my parents that the four of us kids go get an education. And they made that very, very clear to us. So I think being a first gen college grad, it sets you up for your career in a way that you don't even really know what to expect because you haven't had a model to follow in terms of looking at a parental set that sort of did college and then did their entry level internship. You don't really know what to do. So I think as I sort of took the twists and turns of a very nonlinear path, one of the things that it really made clear to me is, I want to be that mentor for other folks that may not have a model to follow in terms of what are the right moves to make. How do you look at a door that may open just a crack and have the courage and confidence to kick it open and go pursue something that might not be the exact sort of choice that most people would make in that situation? So I think to sum it up, non-traditional start in terms of where I ended up as the CEO of a SAS software company. But I also think that's exactly what women need. Women need to have role models who have come from different and diverse backgrounds and are forging ahead and not necessarily looking like CEOs typically look. And so that's something I'm really, really passionate about. Andi Simon: As I'm listening to you, I'm smiling as you're smiling because the absence of role models. So I had a program at Washington University to help women entrepreneurs, and they all said, We need some role models. If you can't see it, you can't be it. And you somehow managed to move your way through things trusting in yourself, not necessarily with a mentor. Were there others who were giving you guidance, or there's some interesting stories you might share about how you began to migrate through? You had different career points, not all leading to something, but all leading somewhere? It was very interesting listening to your bio. Maria Colacurcio: Thank you. I think I owe a lot to other folks, other people who were generous with their time and their experience. And one of the reasons that I am so active in the words that I choose when I talk about our accomplices. So some people use the word allies, but in my career, in my life, the folks that have been in the ring with me fighting for things like equality for folks in the workplace, whether it's gender, race, ethnicity, looking across intersections, the folks that have been in the ring with me, they're accomplices, they're in the fight, back-to-back, holding swords, forging our way ahead. And I certainly personally had that experience. I had a lot of white men in power, who made it a point, for whatever reason, typically a personal case, whether it was something they had experienced or seen a loved one experience, where they had decided they were going to be an accomplice in this fight. And because of that, they took it upon themselves to really put the time in. I had several folks at Starbucks who really mentored me and helped me understand a couple of new areas around pay equity, what was the legislation, what was the process with external counsel, what was the math, all of these things that are the underpinnings to what I do today that I would have had no idea had they not taken the time. And the second example, I think, was when I was hired at Syndio, the CEO, I was hired by people who took a chance on me. I had never been a CEO. I had co-founded a startup that was very successful, but I co-founded it from the seat of marketing and communications. I never led anything as that person in the seat of CEO. So they had to take a chance. They had to say, "We're going to take a chance on this person. And if she doesn't have everything we need, we're going to figure out how to support her." Now, the flip side of that is, I have so much privilege because I'm a white woman. And so if you think about the leg up that I had, it's now incumbent upon me to make sure I'm taking that privilege and bestowing it and helping others make sure that they have those growth opportunities that I had. Andi Simon: I love your story, because you're right, we have an obligation to lift up and to share. But also there is to your point, there's no straight line. And it's not as if there's a ladder we're climbing. We're sort of exploring, and people see something and pluck us up and put us into roles. You know, this imposter syndrome stuff is so interesting. I've always been an imposter. You know, I was SVP of one bank, and EVP of another bank. They all thought I knew more than I knew. I never knew what I didn't know. But in fact, it was okay, we were bold and courageous. And there were always accomplices who wanted to help us move somewhere and they weren't afraid or worried either. As you're doing this, are there some really important lessons that you've learned about how to find the right ones because I had some bad ones along the way. And I never like to share them too often because I want them to go away. But I also know, being an anthropologist, that change is painful. The guys aren't all sitting there saying, "Oh, please come in and take my job. I know you can do a better job than I can do. But why can't I do that job or I don't know, maybe you can't do a better job than me." So the complexity of this means that we need to stand out in some fashion. And as you're helping others move up, they need a great story to tell so that they can pass through this. Your thoughts? Maria Colacurcio: Yeah, I think that's exactly right. I think you've got to take chances when you get them because then again, as you're walking down sort of the corridor of your life's experience as it relates to your career specifically, you'll walk by doors that are open just a crack. And I think our natural response, particularly as women, is to say, Well, I have no business trying to peek into that door that's open just a crack, that's for someone else. That's for someone with more experience, better skills, but more confidence. And I think when you have someone sort of on the other side holding it open for you saying, "Just give it a shot. I've got your back if things go sideways," that's the confidence you need to walk through. And I had that at Starbucks. There was a woman who really took it upon herself to guide me. And I had been in marketing and communications my entire career, and a role opened in finance, working on a team doing enterprise operational planning for the CFO and doing deep finance, work that I had never done before. I was terrified. I was a history major, I was a writer, I was a marketing and communications person, but this woman said, "You gotta do it and here's why: because you're an entrepreneur and if you want to continue fostering leadership and capabilities that will help you run a fortune 500 company someday, you have to understand GAAP and non GAAP, you have to understand these financial terms" that at the time seemed absolutely terrifying to me. But knowing that I had her there, her name was Carrie, and knowing she had my back, it gave me the confidence I needed to sort of walk through the door. And those are the moments I think that are really turning points in a person's career when they're willing to make that nonlinear pivot because they know they have somebody behind them. Andi Simon: You know, we tend to think of our own stories as we share this story. So my story begins to come through because I was a tenured anthropology faculty member, and my husband introduced me to Citibank. And they said, Why don't you come and be a consultant? And I said, Sure, why not? And I had no idea whether it could lead somewhere or not. But what was interesting, being a woman, as you're describing it, is that it was okay to take a step in a new direction, without any linearity to it. But once we got going with it, you say, I can do that. And then where does that take you? But you've been in different kinds of companies. Is your journey different with them? You know, somebody saw you and said, Why don't you try this? Or you went public? And so you can move on to something else? You know, how did you move from one stage to the next? Maria Colacurcio: Yeah, so early in my career when I was in Washington, D.C., working at the Smithsonian, at the National Museum of American History, and then went on to work at a firm that supported nonprofits through nonprofit management, it was as random as meeting a woman. And this is what really happened. I met a woman at a dinner party who said, "You need to be in tech, my company's hiring right now. You would be so great." I was like "Tech? I know nothing about tech. I'm a history major. I've been on congressional campaigns. I work at a history museum." And she said, "Come interview for my company, we're hiring someone in marketing, your background would be perfect. We need a great communicator, communication skills are a big need right now." She really got it, she really got that concept of skills over experience. So I was like, What the heck sounds interesting. The tech boom was going strong. And so I flew to San Francisco, and I interviewed for this startup company. And it was a really technical startup, it was an Israeli-based startup. All the folks that work there were former Israeli military, because they're all encouraged and actually, they must serve. And so it was quite technical. But what I realized was, I had this incredible chance. I took the leap, got the job, and moved cross country. And I found that I really loved applying my communication skills to translating these deep technical concepts into things that could help the sales team go out and sell them. And it became this realization for me that's continued, which is, someone might not have the experience, they may not have the matchy matchy experience of 10 years as a B2B professional and enterprise, you know, SAS, sales, marketing, whatever. But they might have the skills to really get it done. And I think that translates to the work that I've done with veterans moving into the corporate environment from former active duty and applying those skills as operational pieces of expertise. I worked with this incredible woman named Kelly McCoy who was one of the first female colonels in Afghanistan and Iraq. And she taught me so much about this because she was so brilliant. And the way she translated that experience to running operations at Starbucks was incredible. I think you can extend it to moms who have spent a couple of years out of the workforce caring for young children. What are the skills they're gaining that you can apply back to work? Do they have to go back in their career five, six years? Or can you actually give them credit for some of the things they're doing? And I think that started very early when I realized through experience, that wow, I do have something to offer here. I can make this work. Andi Simon: Now you have seven children. Maria Colacurcio: I do! Andi Simon: And you got funding in the middle of being 8 months pregnant with your seventh. I don't think there's a way here to push past the stereotypes in such a way that our listeners can begin to understand that yes, you can carve for yourself your own personal story that others immediately grab hold of you, and your point about serendipity should not be underestimated. You were at a dinner party, you were talking to someone, you weren't selling yourself, but she pulled from what your story was immediately and said you'd be perfect. And then you get into tech, and you're not quite sure what you're doing, but you have the skills and the comfort to translate the tech into understandable communication. And then as we move along, and I do think that having seven children, or two or three, teaches us a whole lot about navigating complicated worlds, because nothing is simple at all, the personalities aren't that different than the ones you're going to run in a company. But as you're looking at it, then it leaves you with the sense of, Of course I can. And now it's at Syndio, you're growing something that is so needed in such an innovative way. Are there some key insights from this, this company in particular, because it's intended to do exactly what you want passionately to do, which is create the equality, power and position for women and men so that we don't have this kind of battleground going on. Maria Colacurcio: Yeah, thank you. Yes, exactly. Syndio is our workplace equity analytics platform. So what we do is, we help Fortune 2000 companies analyze and resolve pay and opportunity gaps that are because of something like gender, race or ethnicity. So we're really looking at how you provide workplace equity. How do you make sure that you're letting data guide the discretion that's inherent to decision-making to get the bias out? There's so much discretion in decisions of compensation and decisions of promotion. Who gets promoted in decisions around who gets that promotable project. And if you let data guide those decisions so that you have a roadmap, you have guidance in terms of what's the right pay range for this person. They may be a great negotiator, but what's the right pay range for them that looks beyond that to see what do other folks make in this same role that are from different genders, different diverse backgrounds, whether that be race, ethnicity, whatever, but really letting data be your guide to ensure that you're providing workplace equity and that workplace equity is really embedded into how the company does business. I think what's exciting right now is that the companies that are doing this, and have been doing this, are actually performing better and are more durable because of it. So this isn't just nice to have when times are good. This is something that needs to be sustained. And I think we're seeing pay transparency legislation accelerate across the country. We're seeing global compliance explode in Western Europe. We're seeing median and mean pay gaps really rise to the top in terms of shareholder proposals and what the activists are talking about, in requiring public companies to do race and gender audits. And I think we're going to see more and more of that. So we really help companies be ready and to use data to guide that discretion, as folks make decisions. Andi Simon: I'm curious about "who I am, and how we do things." Changing culture is a painful process. Humans believe whatever they're doing is true. And I preach that the only truth is no truth. And so when you give them data, and there's some great articles, they've been republished recently about why humans don't read the data or the facts and actually believe them, they believe their own shared mythology about what it is. But, you're watching them actually take the data and turn them into reality. So they begin to believe that in fact, there is a better way to define the job, promoting the job and get the biases out and look at what's factual. What I'm curious about is, what are people actually doing to do that? Hiring new people, training them but beginning to build? Because so often they get the data and do nothing with it. Maria Colacurcio: I think we have a couple of things going for us. Number one, when you have to communicate to your people what you're doing to commit to things like pay equity, which has become table stakes, companies must ensure they are not paying unfairly or that there are parent pay disparities because of something like gender or race. And when you get into this situation where you have to communicate that to your people, you have pay ranges that are now public. You have to communicate to your people, why they're paid what they're paid, because the first question, when someone sees a role that's the same as theirs posted in terms of a company's now hiring, and they've got to publicly post that pay range. The first thing folks look at is, what's the job title and what's the top of the range? And so the next question is going to be, why am I paid what I'm paid? So when companies are forced into a position where they have to communicate with their people, the data all of a sudden becomes not so much a negative but a positive because now it helps you explain, it's this huge benefit around pay explainability. You've got to be able to explain why people are paid what they're paid while they're in the area of the range that they are and the more companies have to explain. Mean and median are another thing. Median reflects representation. So why are some people up at the top? Why are some people in the middle, where some folks are at the bottom, and when you have to explain that, the data all of a sudden becomes to unlock it and it becomes the context. It becomes the story, the narrative as to why these things are happening. And it's the authentic truth. So that's where we've seen an incredible amount of momentum as companies have had to go explain these things. They now have these data visualizations to rely on. Andi Simon: Don't you love it? You know, I can only say that quietly, because I hope they love it as much as I love hearing about it because transformation is so hard. Data can be so transformational if you believe it and you use it, and if others are asking for it and make sense out of it. So I think it's really propelled the moment that is really propelling us to the next stage. And if businesses can do so better, and retain people better, and grow them better with the data, that bias can really get diminished. It never goes away, but at least it can become far less powerful. Wow, exciting! You know, I could talk to you all afternoon and this is really a wonderful time, but I also know that my listeners like about a half hour together. As we're going to wrap up, are there two or three things that you think are takeaways? Things you can do? Some of them are serendipities right in front of you, but for you some things that you'd like them to be able to actually maybe do when they leave. Maria Colacurcio: Yeah, I think one quote that sticks with me and I don't even know who said it, but it's: You get lucky when preparation meets opportunity. It's something that I try to live by because I'm a preparer and I work really hard. And I prepare for everything in my life, from the personal side with the kiddos and my husband and putting time and effort into my relationships. And also saying no to a lot of things that go against the goals that I have. A lot of people ask me all the time, like, how do you do it all? I have the same amount of time as everyone else but there's a lot of things that I say no to in order to have time for the things that I really care about. And are those decisions difficult sometimes? But when you're really clear about what you're trying to prepare for, and what your targets are, that sets you in a position to have that luck when your preparation does meet opportunity. So I think that's number one. I think number two: thinking about skills over experience and thinking about how you communicate your skills. So going back to communications and the power of communications, when you think about your skills as a whole, not necessarily your experience, but how do you talk about your trajectory and your nonlinear journey? And can you talk about yourself in a way that's more wholly encompassing of who you are as a person versus what you do right now? Or maybe what your last career choice was? I think that can be incredibly beneficial. And for companies, I think just understanding this moment of transparency, if you can look at it as an opportunity. Right now there's a tidal wave coming in terms of transparency around workplace equity. Instead of waiting and being a laggard, taking this opportunity to be one of the first to dive into the center of the tidal wave to figure out: How do I embed this into the core of my company and take advantage of some first mover opportunities here. I think companies are going to see a huge leg up as it relates to employee loyalty and retention and keeping those high performers that you want to keep, even in times of incredible volatility. Andi Simon: And they are very volatile. I think McKinsey's latest research on women in the workplace 2022 said: There's a great breakup happening. Women are leaving, they're frustrated for all the things that could help them turn around, and they're not getting the pay equity they're looking for. They don't see upward mobility. They don't have the sponsorship or the mentorship and they are just saying, "I've had enough. I'm going to find another path. Let me open up entrepreneurial opportunities for myself or new types of businesses emerging." But, remember that women represent 60% of the kids in college. They graduate, they've got lots of talent, and they are tremendously capable of doing many things, including raising seven children at the same time you're CEO of a company. And if nothing else, Maria is a wonderful role model for how you can do all the things that matter, including saying no when you don't think it fits into what's important to you. This has just been terrific. Let me wrap up for our listeners and our viewers. Thank you so much for coming. Keep sending me those emails. I love to share with you. And at the end of the day, whether it's collaboration, or they're allies with you in some fashion, but they're all trying to help us move in a new direction. That puts all of us on the climb of trying to figure out how to do this right and how to do it even better. And I'm always delighted to share with you our my two books, On the Brink: A Fresh Lens to Take Your Business to New Heights and Rethink: Smashing The Myths of Women in Business, and my third book is coming out and I can't tell you a lot about it yet, but it'll be coming out in September of 2023. Maria has a chapter in it that you are going to love to read. It's just a great time to celebrate 100 amazing, trailblazing women who mean business, and they really do. Thank you for coming today. Maria, thank you again. It's been a pleasure. Bye bye now. Have a great day. Bye Bye.v
If you've ever wondered what a metaphor is and how to use metaphors in your copy, today you will get your questions answered. Because we have a guest who I consider to be the reigning expert on the question, Anne Miller. She's author of “The Tall Lady With The Iceberg.” For my money, it is the best book ever written on how to use metaphors to sell, to explain, and to win people over. Anne understands and teaches this information better than anyone else I've ever seen. She's also a coach, speaker and seminar leader. Her huge client list ranges from Columbia University and The Wall Street Journal to Revlon, Citibank and Yahoo. As well as clients in Australia, South America, Europe and Asia. Dozens and dozens of household names and major niche organizations. For us in the copywriting world, Anne's expertise in creating and using metaphors is what excites me the most. Many copywriters and business owners use metaphors, but not too many people do it all that well. And that's about to change today. Anne covers a lot of ground on today's show. Here's what I ask her: 1. What is a metaphor, anyway? 2. Why are metaphors so important? 3. You have a very handy four-step metaphor workout. Could you share it with us? 4. What are the main ways we can use metaphors in communication? 5. Could we talk about a few different kinds of metaphors, with examples 6. How about which mistakes you should avoid when using metaphors? You can get in touch with Anne on her website: https://www.annemiller.com Here's the link to her book, The Tall Lady With The Iceberg: https://www.amazon.com/Tall-Lady-Iceberg-Metaphor-Metaphorically/dp/0976279444 Download.
The Customer Experience Superheroes is now in its 10th series. We've introduced you to CX professionals and practitioners from across the globe. Seeking out new thinkers and rule breakers who dare to experiment to achieve better outcomes, when others are content to rely on convention. In this episode we join in conversation between Eli Lepkifker, co-founder and CTO of Tagado, and Christopher Brooks, global CX specialist and MD Lexden CX Consulting.Eli shares his story, from the origins of research at Citibank to a CEO leading a growing customer feedback company, shaped for the future, not constrained by the past.Having seen the shortfalls and failing of standard CX measurement approaches, Eli set out to find a stronger outcome. One which focused on what was said and not the score it came with. As a researcher he wanted to be purely inspired by customers, nit scores. Listen to the podcast to hear how Eli and Tagado have landed in the world of CX, and where the future will be taking them.
Eunicia is a seasoned executive and business owner, accomplished financial consultant, mentor and educator. On her own journey, she went from rebuilding her financial independence from nearly nothing to over 6 figures in less than a year using the same methodology she uses with her clients. In addition, she has worked with and set hundreds of clients on their paths to financial independence and wealth optimization. Eunicia is a senior contributor to Brainz Magazine and collaborates with many globally known thought leadership experts. Eunicia also comes with corporate experience - In her career, she has been fortunate to become a top Financial Business Advisor to companies such as: American Express, Citibank, Toyota, Coca Cola, Uber, HP, Deloitte, Ernst & Young, etc. Finally, she is a happy wife and proud mommy of two amazing children. Download the full episode here: https://www.buzzsprout.com/1650301/11684030-episode-74-crafting-a-custom-wealth-management-strategy-with-eunicia-peret.mp3?download=trueKey Topics covered in this episodeWhat she's learned in the corporate world that she's applied to her investing strategy Her process for creating the perfect wealth building strategy How to overcome financial adversities Things you need to know before investing in real estateLeveraging Real Estate as a wealth building tool Get in Touch with Eunicia: www.empoweredfinancialplanner.com#podcast #multifamily #assetmanagement #podcasting #podcastlife #financialfreedom #investing #cashflow #redlineequity #crushingit #crushingcashflow #gains #finance #buildingwealth Learn more about investing with us www.investwithredline.com
In today's episode, Cristina Francy interviews Dr. Fatima Bustos-Choy who has over thirty years of corporate business management and organizational consulting experience. She has effectively designed and facilitated leadership development programs for major corporations such as Citibank, IBM, Wells Fargo, Raytheon, Merck Pharmaceutical, And LEAP, Inc. Website: www.drfatimalifecoach.com Fatima Bustos-Choy, PhD / LinkedIn INSTAGRAM Drfatimalifecoach - IG FACEBOOK Fatima Bustos-Choy, PhD / FB Clarissa Burt is an award-winning international media personality/producer/director, writer, author, and public speaker and supermodel. With hundreds of television and film credits to her name, this Who's Who of International and American Women brings over 30 years of entertainment industry experience in both International and American markets. Her Brainchild, In the Limelight multi-media platform, is an online portal consisting of video/podcast/digital magazine providing educative, entertaining and empowering content showcasing the savvy entrepreneur. Her engaging interviews bring to the forefront their trials, tribulations, victories, and triumphs. Clarissa's fun, light and witty style makes for great conversation and is thoroughly enjoyed by her listeners. Ms. Burt's extensive international social work garnered her two private audiences with Pope John Paul II. As a women's advocate and a leader of social change for a new standard of living, Clarissa was instrumental as Ambassador to the United States for the Walking Africa campaign that awarded African Women the Nobel Peace Prize in 2011. Clarissa is the first American to present at the Kremlin. She was recently awarded the Woman of Excellence award by the Women's Economic Forum. LET'S CONNECT! Clarissa Burt: www.inthelimelightmedia.com Facebook http://www.facebook.com/ClarissaBurtOfficial LinkedIn http://linkedin.com/in/clarissaburt Twitter https://www.twitter.com/clarissaburt Pinterest http://pinterest.com/clarissaburt Instagram http://instagram.com/clarissaburt Tumblr http://clarissaburt.tumblr.com Website https://www.inthelimelightmedia.com Contact email: Clarissa@ClarissaBurt.com Core Editorial Themes: Entrepreneurship, Beauty, Fashion, Health, Lifestyle, Finance, Relationships, Money, Wealth, Business, News, Celebrity, Entertainment, Leadership, Charity, Events, News Music: https://www.purple-planet.com Purple Planet Music. “Celebration”. Purple-Planet. 2019. Purple Planet Music. “Teamwork”. Purple-Planet. 2019. Purple Planet Music. “Time of Your Life”. Purple-Planet. 2019. Purple Planet Music. “Victory”. Purple-Planet. 2019. Tags: In the Limelight, In the Limelight Media, Clarissa Burt, Entrepreneur, Entrepreneurship, Entrepreneurs, Entrepreneur Life, Entrepreneurial Women, Business, Lifestyle, Personal Development, Motivational Speaker Add guest tags here Social Hashtags: #ClarissaBurt #InThe LimeLight #IntheLimelightMedia #InTheLimelightTV #Business #Solopreneur #Solopreneurs #Entrepreneur #Entrepreneurs #Entrepreneurship #EntrepreneurshipAdvice #EntrepreneurTip #EntrepreneurMotivation #EntrepreneursDontSleep #EntrepreneurialMen #EntrepreneurialWomen #Entrepreneurialism #EntreprenuerSuccess #EntrepreneurInspiration #EntrepreneurJourney #EntrepreneurMind #EntrepreneurMinds #entrepreneurmindset #entrepreneurmindmap #Entrepreneur101 #EntrepreneurGoals #EntrepreneurSpirit #EntrepreneurQuotes #EntrepreneurLife #EntrepreneurLifeStyle #EntrepreneurStyle #EntrepreneurWoman #host #guest #interview #interviews #podcast #talkradio #onlineradio #internetradio #producer #media #mediaoutlet #broadcast #broadcasters #broadcasting #livebroadcast #talk #talkradio #digitalmagazine #digitalmagazine #magazine #clarissaburt #inthelimelightmagazine *Some links above may be affiliate links. This means I may receive a commission through purchases. It does not affect you as a consumer.
Connie's motivational quote for today is by – Pablo Picasso, “Our goals can only be reached through a vehicle of a plan, in which we must fervently believe, and upon which we must vigorously act. There is no other route to success.” YouTube: https://youtu.be/Z4hsVN-KHzY Check Out These Highlights: Like me, I have a feeling that many of you are aware of inflation, taxes, the Wall Street casino, unexpected illness, and possibly have fears about retirement planning. These are just a few of the "emergencies" everyone faces. Right? Even if you're financially successful like many CEOs and entrepreneurs. Our lives can change in an instant. But when life changes it doesn't have to be catastrophic. About Kris Miller: Kris is known as the Money Maestro and is a Legacy Wealth Strategist. Her clients learn to create incomes they will never outlive and how to change their families' financial realities. Not one person has lost a single dime on her watch. She's a recognized expert on living trusts and estate planning and a highly sought-after speaker & trainer for organizations and businesses including Citibank and the US Government Financial Officers Association. How to Get in Touch With Kris Miller: Website: http://www.healthymoneyhappylife.com/ Email: firstname.lastname@example.org Free Gift: https://yourlegacyshift.com/ Stalk me online! LinkTree: https://linktr.ee/conniewhitman Download Free Communication Style Assessment: https://www.changingthesalesgame.com/communication-style-assessment All-Star Community: https://changingthesalesgame.mykajabi.com/All-Star-Community Subscribe and listen to the Changing the Sales Game Podcast on your favorite podcast streaming service or on YouTube. New episodes post every week - listen to Connie dive into new sales and business topics or problems you may have in your business.
“Reinvention has nothing to do with becoming someone else and everything to do with becoming who you really are!” - Roger Osorio Roger Osorio is an author, adjunct professor at the University of Pennsylvania, and founder of The School of Reinvention, a community-based coaching platform empowering people to launch and succeed in personal and career reinvention. After graduating from Penn State University, Roger worked for a Fortune 500 company in marketing and sales. In 2008, after falling in love with a part-time job tutoring math, he quit his day job to reinvent his career. Along his journey to reinvention, Roger has worked with clients that include: Google, LVMH, JP Morgan Chase, Citibank and The World Bank. Roger grew up always wanting to climb to the top of the corporate ladder, but that dream got flipped upside down. He got into a “relationship” as he likes to call it, with a passion he discovered and decided to follow it down a path of Reinvention. Many people may come across the question “What am I doing?” but finding the answer sometimes sounds too hard to even try. Roger says, “You don't have to know what to do in order to start but you do have to start in order to figure out what you have to do. So Start Now!” Roger is full of advice and inspiring stories that you can check out on the newest episode of my podcast! Some powerful takeaways from today's episode: The “What am I doing?” question Finding your passion is like getting into a relationship The moment you start to connect with something, find a way to get up close and personal with it instead of watching from a distance Give your interests a chance and even a second one Connect with new people on a regular basis Mix new ideas in with the old Invite others to ask you new questions - could be anyone There is such a joy in having knowledge and expertise and getting to pay that forward Asking for help and advice will take you much farther than only depending on yourself Some values are going to become a little less important and some are going to be added throughout all aspects of life Links: Roger Osorio's LinkedIn: https://www.linkedin.com/in/rogerosorio/ https://rogerosorio.com/book/ THE RE:INVENTION EXCHANGE - for more Inspired Content, Blogs, Podcasts, Virtual Chats, or to buy a copy of my book RE:INVENT YOUR LIFE! WHAT ARE YOU WAITING FOR? visit https://www.TheReinventionExchange.com IG: KathiSR_Chief_Reinventor FB: Kathi Sharpe-Ross or The Reinvention Exchange LinkedIn: Kathi Sharpe-Ross Twitter: KathiSR or The Reinvention Exchange
This week we are elated to bring you a complimentary session from our new series break*through. Marina Bykova is a prolific banking executive who has guided multiple international banks through crisis, retrenchment and growth. She's held positions as CFO of Citi Bank in Russia, and Director of Private Banking at Credit Suisse in Vienna. Marina currently spends her time in Paris where she is building a web3 startup to help migrants around the world. As Marina builds her startup, she feels as though she is unable to achieve in the same way she always has. The skills she relied upon to achieve in the banking world, don't seem to help her as she builds her startup.Paula, Marina's coach, is a former banking executive who runs Rites of Passages for women, a modality that leverages knowledge indigenous and traditional communities have known for thousands of years... that rituals and ceremonies are necessary to acknowledge, support, and celebrate pivotal life transitions.Based in Byron's Bay, Australia, Paula has an incredibly beautiful framework for powerful women. She takes Carl Jung's original framework of the "heroine's journey"— that a woman's life-phases moves from maiden to mother to crone— and expands it so there is a phase between mother and crone-- that of the Empress.This week, break*through dives deep into stepping into your Empress Season.Join the conversation about THE IDEALISTS. and break*through. At our website: https://www.theidealistspodcast.co/On Instagram: @theidealistspodcast_On Twitter: @theidealistspodHelp us to grow! Leave a review of the show on Apple or SpotifyWe're sponsored by the London School of Economics @lsegenerate
In today's episode, we welcome special guest Gifty Enright, author of 'Octopus on a Treadmill: Women, Success, Health and Happiness,' about holistic healing and how to incorporate it into your life for overall wellness.Gifty Enright is an author and international speaker specializing in Women in the Workplace and Well-being. Gifty has spoken at Wells Fargo Bank, Oxford University, Citi Bank and Tedx Women. She is also a highly regarded writer and her work is regularly published by international outlets such as Thrive Global and has been featured in Accountancy & Business.Tune in today to hear what Octopus on a Treadmill really means to Gifty. In the Adjusted Reality podcast, well-known athletes, celebrities, actors, chiropractors, influencers in the wellness industry, and other podcasters will talk with host Dr. Sherry McAllister, president, F4CP, about their experiences with health and wellness. As a special gift for listening today visit f4cp.org/health to get a copy of our mind, body, spirit eBook which focuses on many ways to optimize your health and the ones you love without the use of drugs or surgery.
Dr. Fatima Bustos-Choy - Brief Bio - Dr. Fatima Bustos-Choy has over thirty years of corporate, business management, organizational and leadership development consulting experience. She has designed and facilitated leadership development programs for major corporations such as Citibank, IBM, Wells Fargo, Raytheon, Merck Pharmaceutical, and LEAP, Inc., to name a few.
Citi Bank is predicting 2 million job losses in 2023 as a result of the Biden inflation policies. There is a clear recession coming and Washington might not be ready...See omnystudio.com/listener for privacy information.
Yields are collapsing – that's good and bad. Oil prices collapsing – also good and bad. Inflation Rising - PPI comes in hot – not sure that matters right now.. Guest – Steve Sanders – EVP at Interactive Brokers. Steve Sanders is Executive Vice President of Marketing & Product Development at Interactive Brokers. In this capacity, he oversees all marketing and product development efforts at the company and introduces Interactive Brokers' low commissions, advanced trading technology and breadth of product worldwide to advanced individual and institutional investors globally. Steve joined Interactive Brokers in 2001 to establish the company's platform for financial advisors. Since that time, he has been responsible for many key initiatives including building a direct / digital marketing program, developing a new account structure and registration process for institutional investor clients and contributing to the deployment of the company's Integrated Investment Account. During his over twenty-year tenure with the company, Steve has remained focused on providing IBKR clients with the products, tools and resources necessary to meet a wide variety of trading and investing objectives, which he believes has contributed to the company's extraordinary growth over the years. Prior to joining Interactive Brokers, Steve spent fifteen years at Citibank in a variety of positions including Managing Director and Chief Technology Officer of Cybic, a “Request for Quote” exchange to facilitate the distribution of OTC derivative products to retail investors, which he developed. Before that, he held diverse roles throughout the organization in credit & risk management, marketing, financial planning, and product structuring functions. Steve holds an MBA in Finance from the University of Chicago and an undergraduate degree from SUNY at Albany in Accounting and Computer Science. Check this out and find out more at: http://www.interactivebrokers.com/ Follow @andrewhorowitz Looking for style diversification? More information on the TDI Managed Growth Strategy - HERE Stocks mentioned in this episode: (AAPL), (OIL)
Guest - Jeffrey Dunetz 1) Russia said no on Whelan but Biden and Blinkin secure Griner 1A) A marine is left in Russia while a celebrity is sent home. This is a tough look. Whelan family supports the decision. 2) Zelensky named Person of the Year by Time if that matters anymore - good selection 2A) Ukraine strikes deep inside Russia at bases launching attacks on Ukraine 3) Blackrock and Citibank warn of coming Recession 3A) Administration announces $36B bailout of Teamster pension fund. The money came from a previously passed "American Rescue Fund" Another union pay back with our tax dollars. 4) Biden approval at 43% and a plurality of Democrats do not want him to run for 2024. We predict he will run. 5) Trump comes under more criticism in wake of another defeat in Georgia of his chosen candidate. 5A) The Republican base did not show the same enthusiasm as the Democrats and did not vote as 400K fewer voted in Dec.run off. 6) How Biden froze the Abraham accords 7) AOC under investigation by House ethics committee?
Jim Rickards (@jamesgrickards) returns to the Julia La Roche Show for episode 36 to discuss his new book Sold Out: How Broken Supply Chains, Surging Inflation, and Political Instability Will Sink the Global Economy. In this episode, Rickards shares his macro view and why we may be headed for a global recession. He also provides a deep dive into supply chains, describing when and how they broke down and why they won't return to the way they were before 2019. He also shares the emergence of what he calls "supply chain 2.0," which he predicts will consist of a college of nations. Elsewhere, Rickards discusses his take on inflation and why deflation is coming faster than you might think. Finally, he shares his best asset allocation strategies for these uncertain times. Rickards is a New York Times bestselling author of Currency Wars: The Making of the Next Global Crisis and several other best-sellers, including The New Great Depression, Aftermath, The Road to Ruin, Death of Money, and The New Case for Gold. An investment advisor, lawyer, inventor, and economist, Rickards has held senior positions at Citibank, Long-Term Capital Management, and Caxton Associates. He is also the Editor of Strategic Intelligence, a widely-read financial newsletter. 0:00 Jim's new book "Sold Out" 0:54 View of the global macroeconomy 1:37 The supply chain is the economy 3:33 What do China, the war in Ukraine, and climate change have to do with supply chains? 6:58 China's Zero-Covid policy and its possible consequences 12:11 We're looking at a global recession, and that's rare 13:24 The future supply chain will look very different 14:35 Why the supply chains broke down and won't go back to the way they were 20:00 Supply Chain 1.0 23:42 What happened when Trump put tariffs on soybeans 30:24 National security and geopolitics 33:48 A college of nations 39:00 Peak China 42:00 Inflation 47:05 Why the Fed can't do anything about the supply side of the equation 49:49 Disinflation and deflation 51:12 Severe recession 54:34 How long would it take for the Fed to cut rates? 1:01:08 Central bankers' worst nightmare 1:05:10 What would a deflationary scenario mean for the economy?
How do you keep teams happy, motivated and performing well – especially in tough times? Compassionate leadership is a key for unlocking high-performing teams even when facing most difficult environments. It requires that we first understand ourselves, then others' needs, and finally act with positive intent to secure the best for all. This episode explores how we can practice compassionate leadership. Manley Hopkinson is an expert on this topic. Schooled in leadership from experiences as diverse as being an officer in the Royal Navy and Royal Hong Kong Police, to being a skipper in the BT Global Challenge round the world yacht race and winning the first skiing race to the Magnetic North Pole, Manley brings the lessons he's learned on ice and at sea to the leaders at clients including Google, Amazon, Citibank, KPMG and McKinsey. His latest book is titled Compassionate Leadership: How to create and maintain engaged, committed and high-performing teams.
Carlos O'Rian es nacido en Chile, estudio en la Universidad Adolfo Ibáñez de Santiago de Chile y hoy cuenta ya con más de 20 años de experiencia en la industria financiera, ocupando cargos gerenciales en empresas como Citibank, Compass Group y como socio en NEVASA AGF. Desde hace 11 años es socio fundador de KMA Administradora de Fondos, entidad enfocada en la inversión, gestión en empresas y proyectos en tres grandes áreas: tecnologías para el transporte, e-commerce e Inmobiliaria.Hoy es presidente ejecutivo de Fira Live Retail S.L., compañía hispano-chilena líder de América Latina en Shoppertainment. La empresa conecta al e-commerce con los compradores online bajo la tendencia del Live Streaming Shopping, la cual permite que los clientes conozcan los productos que mejor funcionan para ellos.Esta nueva forma de vender online, ha traído grandes resultados, haciendo que las ventas multipliquen por 4 el ratio de conversión.Recuerda que ahora puedes escuchar Cuentos Corporativos en vivo. Estamos en RADIOMEX los martes y jueves a las 8 pm de la CDMXSíguenos en:www.cuentoscorporativos.com Newsletter. Escribe una Reseña Encuesta Audiencia Nuestras redes sociales:Facebook Instagram. Linkedin. Twitter Hosted on Acast. See acast.com/privacy for more information.
Hear from Shahmir Khaliq, Citi's Global Head of Treasury and Trade Solutions, and David Nicholls, Business Development and Global Payments at Uber, on the changes that digital payments have brought to commerce, and the innovations made so transactions meet both consumer and business needs worldwide. The views expressed herein are those of the speakers and do not necessarily reflect the views of Citigroup Global Markets Inc. or its affiliates. All opinions are subject to change without notice. Neither the information provided nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. The expressions of opinion are not intended to be a forecast of future events or a guarantee of future results. Citibank N.A. and Uber are not affiliated and are independent companies. Citibank has onboarded Uber as a client for payment solutions. The speaker's views are their own and are not associated or may not necessarily reflect the views of Citi or any of its affiliates.
In this minisode TUX chats generational wealth. Piggybacking off Episode 60, TUX talks about the how and why redlining has historically prevented Black American families from generating the generational wealth of their white peers. ALSO MENTIONED: Emerald mines, bootstrap handouts, Ohio where you can find it all & it all is racism, swamp shacks, Harry Belefonte, GI bills, when reparations were white, The Third Wheel podcast, fuckshit, midterms, Citibank, Sen. Ralph Warnock and turning millions into billions. For more info about us and to peruse our online shop: SITE
On this episode, Roger engages author, CEO and Founder of Charles Financial Strategies LLC, Sabine Charles, who also happens to be an exam success expert. They talk about how as accountants we can overcome that fear of exams so we can finally achieve the certifications that would set as apart from the competition. Sabine shares her story from majoring in French & Spanish to becoming an accountant and also her journey to becoming an entrepreneur. She talks about how she ended up creating her own study techniques after failing her exams time and time again. They go deep into the reasons why people fail their exams as well as the strategies we can use for studying and preparing for exams. As an entrepreneur herself, Sabine shares the lessons she's learned from starting her own business, how she's managed to achieve a work-life balance, and some of her time management techniques. She also shares her greatest achievements and advice to us as accounting professionals Your Host: Roger Knecht, president of Universal Accounting Center Guest Name: Dr. Sabine Charles Sabine Charles is an entrepreneur, motivational speaker, board advisor, author, and exam-prep expert. Sabine has over 20 years of experience as an Executive Audit Director. She has proven leadership and results-driven success advising fortune 500 senior executives in Internal Audit Controls, Business Risk, Fraud Investigation and Operational Auditing. Her Big 4-background contributes to her expertise in building financial infrastructure, and refining audit systems that improve productivity, reduce cost, and stimulate growth. She has a broad range of knowledge in global operational and information technology audits, investigations, as well as accounting in financial services and higher education industries. Sabine is regarded as an extraordinary communicator, fluent in 5 languages with the ability to engage globally at all levels. Considered an industry expert and highly effective at coaching and motivating individuals to perform at their fullest potential, she is a highly sought-after guest speaker for conferences, workshops, business meetings, podcasts and lectures. Some of her previous places of employment include Deloitte, Citibank, and American Express. Sabine is CEO and Founder of Charles Financial Strategies LLC, which is a certified Minority-Owned and Woman-Owned business. The firm was founded in 2011 on the principles for developing and delivering high-quality assurance services, risk management assessments and corporate training programs. Through TAPA Institute (Transformational Audit Practitioner Apprenticeship) a division of Charles Financial Strategies LLC, Sabine teaches professionals how to learn to pass certification exams. Sabine is a published author. Her first book, Cracking the Code: Techniques for Certification Exam Success features clear and concise techniques to maximize productivity and optimize a professional's time when preparing for certification exams. Her newest book, The CPA Doctor and the Certification Superpowers is hot off the press and combines comic-image storytelling with audit concepts. Additionally, Sabine has a published article, Enhancing the Internal Audit Activity Through Emotional Intelligence - Association of College & University Auditors. Sponsors: Universal Accounting Center Helping accounting professionals confidently and competently offer quality accounting services to get paid what they are worth. Offers: Get a FREE 15 consultation which can be scheduled from her website tapainstitute.com Also check out her summits: https://www.tapainstitute.com/summits Get a FREE copy of this book all accounting professionals should use to work on their business and become profitable. This is a must-have addition to every accountant's library to provide quality CFO & Advisory services as a Profit & Growth Expert today: “in the BLACK, nine principles to make your business profitable” – e-book “Red to BLACK in 30 days – A small business accountant's guide to QUICK turnarounds” – the how-to-guide e-book for accounting professionals For Additional FREE Resources for accounting professionals check out this collection HERE! Be sure to join us for GrowCon, the LIVE event for accounting professionals to work ON their business. This is a conference you don't want to miss. Remember this, Accounting Success IS Universal. Listen to our next episode and be sure to subscribe. Also, let us know what you think of the podcast and please share any suggestion you may have. We look forward to your input: Podcast Feedback For more information on how you can apply these principles in your business please visit us at www.universalaccountingschool.com or call us at 8012653777
This week I've had the pleasure of interviewing Carolyn Weinberg, Global Head of Product, ETF and Index Investments at Blackrock, the world's largest ETF provider. Carolyn oversees the commercialization and development of innovative products globally.At Blackrock, Carolyn's teams build new product lines, forge strategic partnerships, and create research in support of iShares growth priorities such as fixed income and sustainability. Before joining BlackRock in 2018, Carolyn created structured derivatives solutions for corporations at Citibank, where she was Head of the North America Corporate Solutions Group. Carolyn graduated magna cum laude from Harvard College in applied mathematics and earned an MBA from Harvard Business School.Carolyn has also been awarded a position on Barron's list of "100 Most Influential Women in U.S. Finance” three times which is an exceptional achievement. In this interview we discuss the expansive range of ETFs at Blackrock, going into detail on some of their most innovative products to date including floating rate and interest rate hedged fixed income ETFs. We'll discuss how to use these in your portfolio including why now is a very interesting time for Bonds. Enjoyblackrock.com ishares.com/us/resources/tools/core-builder# Thanks to Cofruition for consulting on and producing the podcast. Want further Opto insights? Check out our daily newsletter: https://www.cmcmarkets.com/en-gb/opto/newsletter------------------Past performance is not a reliable indicator of future results.CMC Markets is an execution-only service provider. The material (whether or not it states any opinions) is for general information purposes only and does not take into account your personal circumstances or objectives. Nothing in this material is (or should be considered to be) financial, investment, or other advice on which reliance should be placed. No opinion given in the material constitutes a recommendation by CMC Markets or the author that any particular investment, security, transaction, or investment strategy is suitable for any specific person.The material has not been prepared in accordance with legal requirements designed to promote the independence of investment research. Although we are not specifically prevented from dealing before providing this material, we do not seek to take advantage of the material prior to its dissemination.CMC Markets does not endorse or offer opinions on the trading strategies used by the author. Their trading strategies do not guarantee any return and CMC Markets shall not be held responsible for any loss that you may incur, either directly or indirectly, arising from any investment based on any information contained herein for any loss that you may incur, either directly or indirectly, arising from any investment based on any information contained herein.
There is no shortage of places to find information. You have social channels, news outlets, and the internet. Further, our brains are limited in the amount of information they can hold and all these combined can take an emotional toll. Ross Dawson joins Kevin to discuss information overload and how it can be perceived as a problem or an opportunity. Key Points Ross Dawson talks about the difference between overwhelmed and abundance. He shares 5 powers to manage information overload. These include: Purpose - understanding why we want information at all, so we can understand how to use it well. Framing - connecting all the information we encounter to make sense of it, build knowledge, and develop expertise. Filtering - being able to see what is useful to us and discarding everything else. Attention - intentionally selecting where we direct our awareness, not just through focus, but in exploring and regenerating ourselves. Synthesis - the ultimate human capability of connecting the dots to understand the world, see opportunities, and make better decisions. He discusses practical tools we can use for filtering. Meet Ross Name: Ross Dawson His Story: Ross Dawson is the author of Thriving on Overload: The 5 Powers for Success in a World of Exponential Information. He is the Founding Chairman of the Advanced Human Technologies group of companies, with clients including industry leaders such as Citibank, Coca-Cola, Google, Microsoft, News Limited, Procter & Gamble, PwC, and Walmart. Worth Mentioning: https://thrivingonoverload.com/ https://twitter.com/rossdawson This episode is brought to you by... Remarkable Masterclasses. Each masterclass is designed to help you become the remarkable leader and human you were born to be. Details on how to get on board for a specific skill or get discounts each month can be found on our website. Book Recommendations Thriving on Overload: The 5 Powers for Success in a World of Exponential Information by Ross Dawson The Beginning of Infinity: Explanations That Transform the World by David Deutsch The Alignment Problem: Machine Learning and Human Values by Brian Christian Related Episodes Beyond Collaboration Overload with Rob Cross A Minute to Think with Juliet Funt
Our weekly recap features Cineworld, Peloton Interactive, Tenneco, DISH Network, Nielsen Holdings, Altice USA, Lumen Technologies, Frontier Communications and Curo Group. Also this week, as part of Reorg's Primary View Series, Reorg municipals reporter Hoa Nguyen speaks to Citibank's head of Municipal Strategy, Vikram Rai, about the state of high-yield municipals in 2022, the factors that are driving recent weakness in the market and the outlook for the asset class in 2023. We're looking for feedback to improve the podcast experience! Please share your thoughts here: www.research.net/r/Reorg_podcast_survey
Carin Gilfry is an experienced voice actor who voiced thousands of commercials, instructional videos, IVR systems, eLearning programs, documentaries, and video games, and narrated and produced over 100 audiobooks. She works primarily from her professional home studio in Southern California (www.GilfryStudios.com). Her past and current clients include FedEx, Volkswagen, Citibank, Duncan Hines, Aspercreme, Quaker, Clairol, CVS, Zulily.com, Neutrogena, Benjamin Moore, GrubHub, Jakks Pacific Toys, Little Tikes, Play Doh, Denny's, Shutterfly, Audible.com, Quell, and many more. Given her expertise in using her voice, we discussed how to make sure we are using our voices optimally when we are with our patients in the exam room, giving a talk, practicing telemedicine and how to optimize our acoustics. We talk about how her need to optimize acoustics landed her on This American Life, sharing a stage with comedian Mike Birbiglia, Anthony Ramos of In the Heights and Hamilton and Shasheer Zamata of SNL. Carin Gilfry began her career as a singer. She studied at the USC Thornton School of Music and The Juilliard School. She sings in every style including classical, pop, rock, folk, children's music, Broadway, and jazz. She also sang at my wedding and was the first producer of this podcast.
Fidelity Investments is launching a commission-free crypto trading product for retail investors. The firm, one of the largest brokerages in the world handling $9.9 trillion in assets, opened an early-access waitlist to users Thursday morning. The service, called Fidelity Crypto, will allow investors to buy and sell Bitcoin and Ethereum and use custodial and trading services provided by its subsidiary Fidelity Digital Assets. However, they're already showing massive red flag signs of typical predatory bank practices. Meanwhile, The largest crypto exchange platform by volume in the world, Binance is reportedly looking into the benefits of acquiring banks.~This episode is sponsored by Binance.US~Binance.US ➜ https://binance.pxf.io/pbn
CBRE Group's Chief Digital and Technology Officer Sandeep Dave joins me on Tech Talks Daily Podcast to discuss how technology impacts the commercial real estate industry. I also learn more about how they recently piloted a program to test collaborative tools used in virtual worlds for onboarding, training, and hybrid work. About Sandeep Dave Sandeep Dave leads the company's digital strategy and execution globally. He and his team provide the technology capabilities and infrastructure to support CBRE and CBRE's clients and professionals across the globe. He is also a member of CBRE's Global Executive Committee. Prior to his current role, Dave served as Chief Digital and Technology Officer for CBRE's Global Workplace Solutions business with responsibility for digital enablement and transformation of the business. Prior to CBRE, Dave headed digital strategy and transformation for Citibank leading the firm's digital agenda across businesses and geographies globally. In his role, he helped Citi respond to digital trends and effectively compete and win in the face of changing customer expectations and emerging disruption. About CBRE Group CBRE group is one of world's largest commercial real estate services and investment firm. With deep market knowledge, superior data and proprietary technology, their multi-dimensional perspective helps you use real estate to transform your business and find greater success. Their mission is to realize the potential of clients, professionals and partners by building the real estate solutions of the future. From instilling confidence in today's decisions to re-imagining tomorrow's spaces, they thrive in complex and ever-changing environments.
JPMorgan has executed the first live trade on public blockchain. The banking giant completed the transaction using DeFi, Tokenized Deposits, and Verifiable Credentials. Project Guardian is an initiative of MAS with financial institutions such as JP Morgan, Marketnode, and DBS Bank Ltd. Its focus is on use cases for asset tokenization and DeFi. The bank carried out the transaction on Ethereum (ETH) layer2 network Polygon (MATIC) because of its cheap transaction fees and leveraged Aave (AAVE) Protocol's permission pool concept.~this episode if sponsored by GALA Games~Gala Games website ➜ https://links.gala.com/PBNGalaGamesGala Music website ➜ https://links.gala.com/PBNGalaMusicGala Film website ➜ https://links.gala.com/PBNGalaFilm
Simon Ree has three decades of experience as an active trader, investor, and financial markets professional. He previously held senior positions with Goldman Sachs in Australia and Citibank in Singapore before deciding to focus on trading full-time in 2017. His vision is to help people live more creative, joyful and inspired lives by alleviating the burden of financial stress that ways so many people down. His mission is to revolutionize the way finance is taught by shattering long-held myths that have been perpetuated by Wall Street. He is the founder of taooftrading.com, an online education company that has helped hundreds of aspiring wealth-builders learn how to use the financial markets to generate the prosperity they desire. Simon is the author of the Amazon #1 best-selling book “The Tao of Trading – How To Build Abundant Wealth In Any Market Condition." In addition to trading, Simon is a certified Jeet Kune Do instructor. He lives in Singapore with his family. More from Simon: Website: https://taooftrading.com/ LinkedIn: https://www.linkedin.com/in/simonree/ Twitter: https://twitter.com/simon_ree Resources: https://www.taooftrading.com/Jules Click here to enter the giveaway!
In this week's episode of The Reorg Primary View, Citibank's head of Municipal Strategy discusses the state of high yield municipals in 2022 and the outlook for the asset class in 2023 with Reorg muni reporter Hoa Nguyen. If you are not a Reorg subscriber, request access here: go.reorg-research.com/Podcast-Trial. We're looking for feedback to improve the podcast experience! Please share your thoughts here: www.research.net/r/Reorg_podcast_survey.
Personal finance expert, Tori Dunlap, aka the Financial Feminist, chats about how traditionally masculine views on money are harming relationships. She brings her expertise on financial freedom for women, with practical advice on how to grow wealth and support women's independence. Hear tips for dating as a financially independent woman and for men that want to date these women, how to normalize “money-talk” in relationships, how to support female leaders at work, and how men can start to see their value beyond what they can “provide.” New episodes every Monday
Midlife stress is a killer for some of us. It may ebb and flow. It may settle in for a spell, but it's a part of life for all of us. How we handle it of course depends on: our awareness of the sources willingness to do something about the sources ability to create selfcare strategies to balance those sources that we wouldn't wish away or can't. My guest today wants you to know you can turn midlife stress into strength and go from Victim to Victorious. In this interview episode I recruit my guest to support some challenges you too might have, drinking too much coffee or running when it's not helping your cause. Anyone know that wine is a habit that may be interrupting your sleep, weight goals, and energy but have a hard time giving it up? I asked about that. If these don't quite resonate, don't go away, you'll find something in this episode no matter what it might be you want to change. The challenge we may not be able to solve for you is, knowing which habit may contribute to an undesirable outcome, paired with refusal to give it up when you find out. That's a tough one. Ready to Say Bye Bye to Midlife Stress? Or at least calm her down? If you are ready to change, even if you're only thinking about it, this episode promises to help. Did you know, right now is a great time to change? At the time of this release there are about 60 days remaining in this year. We all feel a sense of urgency when things are coming to a close. So this just might be what puts your wheels in motion. My Guest: Transformation Guide and Founder of New Life Directions, reinvents lives and creates Fresh Starts driven by a purposeful vision. As an international speaker and author of "the Fresh Start Promise" and" Victim to Victorious", Edwige Gilbert turns stress into success by clearing unwanted habits and behaviors, creating self- confidence and exuberant enjoyment of life, or as she calls it in French, "Joie de Vivre" She has been featured on Lifetime TV (“The Balancing Act”) on national radio and in such magazines as New York Magazine, Personal Excellence, Woman's World, American Health, Allure, and Women's Fitness. Edwige holds certifications in Neuro-Linguistic Programming (N.L.P) Hypnotherapy, Substance abuse counseling, Behavior Change, Yoga and Qigong. Among her clients include: MTV, Citigroup, Morgan Stanley, the Corcoran Group, Expedia, Pritikin weight loss center, Unit 4, and the Alzheimer's Association. Questions We answer in this episode: How did you get here? Why this why or how did midlife stress come onto your radar? Among your clients are Citibank, MTV and Expedia as well as Pritikin Weight Loss Center. Pritikin, I can easily relate to, how did you help companies like Citibank or MTV - without of course violating confidentiality? Tell listeners a little about your books, which came first? Given so many experts often had their own journey first, what prompted that? Let's talk about clearing unwanted habits(we mentioned in your introduction)… because there are really two things there: first to identify the habits causing an unwanted outcome. It's easy to identify the undesirable outcome. It's harder to identify the habit, and even harder yet to break or replace it. At what point in their journey do you begin working with someone? How do your clients find you? Let's take a fairly benign example, let's say we have a listener drinking coffee .. she absolutely wants to lose the weight, now what? Say a listener knows she needs a change in her exercise routine because it's not working. Now what? I've got a woman listening who ... wants two very opposite things, (once she understands that wine is sugar, sugar causes blood sugar and insulin spikes and sets your body into fat storage mode). Where would you begin? Connect with Edwige: https://allmylinks.com/edwige-gilbert Book available on Amazon "Victim to Victorious"
Simon Ree The 5 big myths of Wall St. My next guest has a #1 best-selling book, The Tao Of Trading, and he is the founder of a platform that teaches you how to generate ongoing revenue through options trading. He has three decades of experience in the financial markets including senior positions at Goldman Sachs and Citi Bank. In this episode, we dive into the 5 big myths of Wall St, how he generates 5% per month with options trading, and where this bear market is going from here. Please welcome Simon Ree. Key Timecodes (01:01) - Background history (04:16) - Understanding his platform (05:49) - Deeper into his strategies (06:50) - What is his spread strategy (08:07) - How does he apply this strategy in this volatile market of today (09:08) - What kind of returns does he get with that approach? (10:21) - A parallel with TYKR strategy (11:59) - What are the five big myths of Wall Street? (16:49) - Education is the key to getting started into that approaches (18:42) - How long is the training program that he recommends? (19:39) - How can beginners safely start trading? (20:40) - What is the amount of money to start? (22:35) - The warning signs and how to control emotions and risks on that approach (23:38) - A bit about Compounding interest (26:46) - The challenges of the next five years (29:53) - What are the impacts of unemployment and recession on that market? (36:09) - The worst business or investment advice he ever received (36:40) - The best business or investment advice he ever received (38:16) - Guest contacts Payback Time Podcast Payback Time is a podcast for investors. The goal of this podcast is to help make investing approachable and easy to understand. We will interview beginner and experienced investors and ask them to share stories on how they got started, what challenges they faced, what mistakes they made, and what strategy works for them today. The overall objective is to provide you with a roadmap that helps you become a better investor.
If you're looking for a light listen, episode 90 is not for you... tendentious topics explored include: a regional soy sauce shortage, a sub par candle selection, all culminating in a visit to the gold member's lounge at the newly renovated Citibank, as well as an anti climatic return to Barnes and Noble. If you're in a stable place in your life and can handle the chaos that is episode 90, come on in, and if not... we'll catch you on the next one.
Asegúrese de registrarse para el evento de Mezcal Alerón X Red Bull este fin de semana en el siguiente enlace: https://www.redbull.com/us-en/events/austin-gp-fan-zone ¡Emprendeduros! En el episodio de hoy Rodrigo nos da una actualización de mercado donde habla de la situación del mercado, de las noticias del Reino Unido, de la energia y la administracion de Biden y de los numeros de China. Revisa el reporte de ingresos de JP Morgan, Wells Fargo, Citibank, Bank of America, Goldman Sachs, Blackrock, Netflix, Tesla, Proctor & Gamble y Snapchat. Después habla de las nuevas incursiones digitales de JP Morgan y de Walmart. Finalmente nos da la actualización de Cryptos donde habla de Texas vs FTX, actualizaciones de Celsius y Three Arrow Capital, la red social descentralizada, Europa contra crypto y el lanzamiento de APTOS.