Podcasts about Columbia Business School

Your finances need regular checkups to stay healthy. In this episode, Miguel Gonzalez, CRC, explains why a financial review is essential for managing life changes, boosting tax efficiency, and maintaining long-term peace of mind.Cortburg Retirement Advisors is a boutique financial planning firm committed to helping you grow, protect, and preserve your assets from your first job to retirement. We specialize in wealth management, estate and tax planning, group retirement, employee benefits, insurance, and retirement planning to navigate any economic climate.Miguel Gonzalez, a Retirement Specialist with 20+ years of experience, offers expertise in retirement income planning, investment management, and retirement plan design. With an MBA from Columbia Business School, and professional experience with JP Morgan Chase, Merrill Lynch, and more, Miguel is a trusted advisor for his clients.#FinancialCheckup #RetirementPlanning #FinancialWellness #MoneyMatters #InvestmentStrategy #RetirementGoals #PersonalFinanceTips #FinancialAdvisor #WealthManagement #TaxPlanning #MoneyManagement #CortburgAdvisors #MiguelGonzalez #SmartInvesting #AnnualFinancialReview #PlanForRetirement #FinancialHealth #401kStrategy #RothConversion #FinancialSuccessWelcome to Cortburg Speaks Retirement Podcast with Miguel Gonzalez, MBA, AIF®, CPFA®, CRC® CLICK HERE TO LISTEN TO MIGUEL'S LATEST PODCAST FOLLOW US ON: YouTube->https://m.youtube.com/c/CORTBURGRETIREMENTADVISORS Facebook-> https://m.facebook.com/CortburgInc Twitter-> https://twitter.com/CortburgInc LinkedIn->https://www.linkedin.com/in/miguelxgonzalez/ Website: www.CortburgRetirement.com Email: Miguel@CortburgRetirement.com

Our guest for today's podcast is Richard Chau, Chief Investment Officer of the Tulane University Endowment. Richard joined Tulane in 2013 and was promoted to CIO in 2021. Prior to Tulane, Richard helped manage a multi-billion dollar global private equity portfolio in Bessemer Trust's Private Equity Funds Group. Before Bessemer, Richard worked in the investment office at The Andrew W. Mellon Foundation. His previous experience also includes investment banking at Houlihan Lokey and investment consulting at Cambridge Associates.   Richard has a BA in Economics and Chinese from Williams College and an MBA from Columbia Business School.   Without further ado, here is our conversation with Richard Chau.

In this episode, Certified Retirement Counselor Miguel Gonzalez breaks down Investment Savings Plans (ISP)—what they are, how they work, and how to create one that fits your financial goals. Cortburg Retirement Advisors is a boutique financial planning firm committed to helping you grow, protect, and preserve your assets from your first job to retirement. We specialize in wealth management, estate and tax planning, group retirement, employee benefits, insurance, and retirement planning to navigate any economic climate.Miguel Gonzalez, a Retirement Specialist with 20+ years of experience, offers expertise in retirement income planning, investment management, and retirement plan design. With an MBA from Columbia Business School, and professional experience with JP Morgan Chase, Merrill Lynch, and more, Miguel is a trusted advisor for his clients.#InvestmentSavingsPlan #FinancialPlanning #BuildWealth #MoneyGoals #PassiveIncome #ISP #RetirementPlanning #FinancialAdvisor #CompoundInterest #SmartInvesting #InvestmentStrategy #DiversifyYourPortfolio #WealthBuilding #GoalSetting #RiskTolerance #LongTermInvesting #MoneyTips #CortburgRetirementAdvisors #FinancialFreedom #MoneyManagementWelcome to Cortburg Speaks Retirement Podcast with Miguel Gonzalez, MBA, AIF®, CPFA®, CRC® CLICK HERE TO LISTEN TO MIGUEL'S LATEST PODCAST FOLLOW US ON: YouTube->https://m.youtube.com/c/CORTBURGRETIREMENTADVISORS Facebook-> https://m.facebook.com/CortburgInc Twitter-> https://twitter.com/CortburgInc LinkedIn->https://www.linkedin.com/in/miguelxgonzalez/ Website: www.CortburgRetirement.com Email: Miguel@CortburgRetirement.com

Ready to shatter the glass ceiling of venture investing? Let's  dive deep into the transformative world of women-led investments. In this episode of How Women Inspire, Amy Dawson and Alissa Livingston unpack the stark reality that women control 52% of wealth yet receive only 2% of venture funding - and why that's about to change. With candid insights, personal stories, and a roadmap for getting started, this conversation is a rallying cry for women to step into their financial potential, challenge traditional investment narratives, and create meaningful economic impact. This week's episode 169 of How Women Inspire Podcast is about how women investors are changing the venture investing landscape! This episode was created in partnership with the Nasdaq Foundation. Together, we are working to educate, inspire, and engage women from diverse backgrounds on venture investing and entrepreneurship. Did you know that only 2% of venture funding goes to women-led companies? Together, we are working to show that women are the new face of venture investing.In this episode of How Women Inspire Podcast, Amy Dawson and Alissa Livingston are sharing the importance of approaching investing as a community and actionable steps you can take right now to overcome your internal roadblocks keeping you from investing. Alissa Livingston is the AVP of Finance Strategies & Initiatives at Saks Global. When she's not using data to analyze new business opportunities, she's taking trapeze lessons or traveling with her two children. Alissa received a BS in Mechanical Engineering from Northwestern University in Chicago, and an MBA from Columbia Business School in the City of New York. She's spent time in Technology Consulting, Investment Banking, and Luxury Retail.Amy Dawson is a product executive with over 20 years of experience in transforming visions into successful commercial ventures. She excels at identifying product-market fit, developing bundled solutions, scaling new product development from concept to profitability, and driving cross-functional execution for sustainable growth. Amy also serves as a board member for How Women Lead. Some of the talking points Amy and Alissa go over in this episode include:The benefits of learning together, the welcoming and collaborative nature of the venture ecosystem.How seeing other women successfully invest can inspire you to confront your investing fears.Using your investing journey to teach the next generation about financial literacy and establishing new norms in investing.The personal satisfaction and impact of supporting women founders who address issues affecting women and society.Thank you for listening! If you enjoyed this episode, take a screenshot of the episode to post in your stories and tag me!  And don't forget to follow, rate, and review the podcast and tell me your key takeaways!Learn more about How Women Inspire at https://www.howwomenlead.com/podcast CONNECT WITH ALISSA LIVINGSTON:LinkedInCONNECT WITH AMY DAWSON:LinkedInCONNECT WITH JULIE CASTRO ABRAMS:LinkedIn - JulieHow Women LeadHow Women InvestHow Women GiveInstagram - HWLLinkedIn - HWLFacebook - HWL

Dorie Clark has been named three times as one of the Top 50 business thinkers in the world by Thinkers50. She is a keynote speaker and teaches executive education at Columbia Business School. She is also the Wall Street Journal bestselling author of The Long Game, Entrepreneurial You, Reinventing You, and Stand Out, which was named the #1 Leadership Book of the Year by Inc. magazine. A former presidential campaign spokeswoman, she writes frequently for the Harvard Business Review. Learn more at dorieclark.com.In today's episode of Smashing the Plateau, you will learn how to navigate the challenges of moving from a corporate environment to building your own business.Dorie and I discuss:The top tactical challenge for transitioning professionals [02:20]The emotional hurdles of leaving a corporate job [04:15]Strategies for effective business development [06:27]The importance of community during your transition [07:25]How to market yourself as an expert [10:32]The role of content creation in establishing credibility [18:36]The significance of social proof in building your reputation [19:16]Dorie's recommended resources for aspiring entrepreneurs [27:16]Learn more about Dorie at https://www.dorieclark.com/subscribe.Thank you to our sponsor:The Smashing the Plateau CommunityBecome a member now to gain exclusive access to carefully selected, practical strategy tips from our podcast guests—unlocking your path to success is only a click away!

In this episode, Miguel Gonzalez, CRC®, shares key strategies to help you plan for a long life—covering healthcare, income, savings, and wellness.Cortburg Retirement Advisors is a boutique financial planning firm committed to helping you grow, protect, and preserve your assets from your first job to retirement. We specialize in wealth management, estate and tax planning, group retirement, employee benefits, insurance, and retirement planning to navigate any economic climate.Miguel Gonzalez, a Retirement Specialist with 20+ years of experience, offers expertise in retirement income planning, investment management, and retirement plan design. With an MBA from Columbia Business School, and professional experience with JP Morgan Chase, Merrill Lynch, and more, Miguel is a trusted advisor for his clients.#LiveTo100 #RetirementPlanning #LongevityPlanning #FinancialWellness #RetireSmart #401kTips #IRAPlanning #HealthcareCosts #EstatePlanning #RetirementIncome #FinancialFreedom #MoneyTips #LongLifePlanning #CortburgAdvisors #HSA #LTCInsurance #CompoundInterest #FinancialSecurity #InvestmentPlanning #PersonalFinanceWelcome to Cortburg Speaks Retirement Podcast with Miguel Gonzalez, MBA, AIF®, CPFA®, CRC® CLICK HERE TO LISTEN TO MIGUEL'S LATEST PODCAST FOLLOW US ON: YouTube->https://m.youtube.com/c/CORTBURGRETIREMENTADVISORS Facebook-> https://m.facebook.com/CortburgInc Twitter-> https://twitter.com/CortburgInc LinkedIn->https://www.linkedin.com/in/miguelxgonzalez/ Website: www.CortburgRetirement.com Email: Miguel@CortburgRetirement.com

In Episode #113 of Geeks of the Valley, we sat down with Rob Hadick, General Partner at Dragonfly, a leading $2.5bn crypto-focused global investment firm. We explore the seismic shifts in the VC ecosystem, from the rise of trade-sale exits to the resilience of certain sub-sectors like Layer 2 protocols and real-world-asset platforms. A focal point of our discussion is Ripple's landmark $1.25 billion acquisition of Hidden Road, where Rob dissects its implications for bridging institutional finance with native-crypto infrastructure. Along the way, Rob shares lessons he's learned underwriting tokenized assets, supporting portfolio companies through volatility, and spotting early signals of talent migration in an increasingly global industry. Whether you're an institutional investor seeking to understand new exit dynamics or a founder navigating the crypto VC landscape, this conversation offers a comprehensive roadmap to the future of digital-asset investing.Since 2017, Dragonfly has been at the forefront of blockchain and crypto innovation with a long-term oriented, technical, and research-driven approach, having been early backers of some of the most influential protocols and companies in the industry, including 1inch, Avalanche, Bitget, Bybit, Compound, DyDx, Ethena, Hidden Road, Matter Labs, Monad, Near, Optimism, Polygon, Ribbon and ZK Sync. Rob focuses on companies and protocols that are innovating at the bleeding edge of centralized and decentralized finance, payments, money, and digital asset infrastructure.Previously, Rob led multi-stage public and private investing into crypto protocols and companies at GoldenTree Asset Management ("GTAM"), a ~$50bn multi-strategy hedge fund. Prior to GTAM, Rob invested in and advised fintech, technology, and crypto companies while at Heritage Partners, Goldman Sachs, and PJT Partners. He holds an MBA from Columbia Business School, where he was co-founder of the Columbia Blockchain Club, and a Bachelor's in Economics and Political Science from Washington University in St. Louis.LinkedIn: https://www.linkedin.com/in/rob-hadickWebsite: https://www.dragonfly.xyz

In our 450th episode, we spoke with Stephan Meier, a professor at Columbia Business School and author of The Employee Advantage, about:+ The key findings of his book.+ Education as a driver of transformation.+ His childhood dreams.+ The impact of technology, data, and transparency on companies.+ New employee expectations.+ Diversity policies don't generate cultural change.+ A people-centered company doesn't mean sacrificing results.Join cohort #7 of the Hackers del Talento Latam Academy here: www.hackersdeltalento.com/academia-hackers-del-talento

A fascinating exploration of how algorithms penetrate the most intimate aspects of our psychology—from the pioneering expert on psychological targeting. There are more pieces of digital data than there are stars in the universe. This data helps us monitor our planet, decipher our genetic code, and take a deep dive into our psychology. As algorithms become increasingly adept at accessing the human mind, they also become more and more powerful at controlling it, enticing us to buy a certain product or vote for a certain political candidate. Some of us say this technological trend is no big deal. Others consider it one of the greatest threats to humanity. But what if the truth is more nuanced and mind-bending than that? In Mindmasters: The Data-Driven Science of Predicting and Changing Human Behavior (Harvard Business Press, 2025), Columbia Business School professor Sandra Matz reveals in fascinating detail how big data offers insights into the most intimate aspects of our psyches and how these insights empower an external influence over the choices we make. This can be creepy, manipulative, and downright harmful, with scandals like that of British consulting firm Cambridge Analytica being merely the tip of the iceberg. Yet big data also holds enormous potential to help us live healthier, happier lives—for example, by improving our mental health, encouraging better financial decisions, or enabling us to break out of our echo chambers. With passion and clear-eyed precision, Matz shows us how to manage psychological targeting and redesign the data game. Mindmasters is a riveting look at what our digital footprints reveal about us, how they're being used—for good and for ill—and how we can gain power over the data that defines us. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/psychology

A fascinating exploration of how algorithms penetrate the most intimate aspects of our psychology—from the pioneering expert on psychological targeting. There are more pieces of digital data than there are stars in the universe. This data helps us monitor our planet, decipher our genetic code, and take a deep dive into our psychology. As algorithms become increasingly adept at accessing the human mind, they also become more and more powerful at controlling it, enticing us to buy a certain product or vote for a certain political candidate. Some of us say this technological trend is no big deal. Others consider it one of the greatest threats to humanity. But what if the truth is more nuanced and mind-bending than that? In Mindmasters: The Data-Driven Science of Predicting and Changing Human Behavior (Harvard Business Press, 2025), Columbia Business School professor Sandra Matz reveals in fascinating detail how big data offers insights into the most intimate aspects of our psyches and how these insights empower an external influence over the choices we make. This can be creepy, manipulative, and downright harmful, with scandals like that of British consulting firm Cambridge Analytica being merely the tip of the iceberg. Yet big data also holds enormous potential to help us live healthier, happier lives—for example, by improving our mental health, encouraging better financial decisions, or enabling us to break out of our echo chambers. With passion and clear-eyed precision, Matz shows us how to manage psychological targeting and redesign the data game. Mindmasters is a riveting look at what our digital footprints reveal about us, how they're being used—for good and for ill—and how we can gain power over the data that defines us. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/economics

A fascinating exploration of how algorithms penetrate the most intimate aspects of our psychology—from the pioneering expert on psychological targeting. There are more pieces of digital data than there are stars in the universe. This data helps us monitor our planet, decipher our genetic code, and take a deep dive into our psychology. As algorithms become increasingly adept at accessing the human mind, they also become more and more powerful at controlling it, enticing us to buy a certain product or vote for a certain political candidate. Some of us say this technological trend is no big deal. Others consider it one of the greatest threats to humanity. But what if the truth is more nuanced and mind-bending than that? In Mindmasters: The Data-Driven Science of Predicting and Changing Human Behavior (Harvard Business Press, 2025), Columbia Business School professor Sandra Matz reveals in fascinating detail how big data offers insights into the most intimate aspects of our psyches and how these insights empower an external influence over the choices we make. This can be creepy, manipulative, and downright harmful, with scandals like that of British consulting firm Cambridge Analytica being merely the tip of the iceberg. Yet big data also holds enormous potential to help us live healthier, happier lives—for example, by improving our mental health, encouraging better financial decisions, or enabling us to break out of our echo chambers. With passion and clear-eyed precision, Matz shows us how to manage psychological targeting and redesign the data game. Mindmasters is a riveting look at what our digital footprints reveal about us, how they're being used—for good and for ill—and how we can gain power over the data that defines us. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/science-technology-and-society

In this episode, Miguel Gonzalez, CRC®, walks you through what to expect when you inherit money—from probate to debt handling, taxes, and investment strategies—to help you make informed decisions during a difficult time.Cortburg Retirement Advisors is a boutique financial planning firm committed to helping you grow, protect, and preserve your assets from your first job to retirement. We specialize in wealth management, estate and tax planning, group retirement, employee benefits, insurance, and retirement planning to navigate any economic climate.Miguel Gonzalez, a Retirement Specialist with 20+ years of experience, offers expertise in retirement income planning, investment management, and retirement plan design. With an MBA from Columbia Business School, and professional experience with JP Morgan Chase, Merrill Lynch, and more, Miguel is a trusted advisor for his clients.#InheritingMoney #EstatePlanning #FinancialAdvice #RetirementPlanning #InheritanceTips #ProbateProcess #WealthTransfer #InheritedAssets #FinancialEducation #InheritanceTax #LegacyPlanning #BeneficiaryAdvice #InvestmentStrategies #InheritedIRA #TaxPlanning #PersonalFinance #FinancialLiteracy #RealEstateInheritance #MiguelGonzalezCRC #CortburgAdvisorsWelcome to Cortburg Speaks Retirement Podcast with Miguel Gonzalez, MBA, AIF®, CPFA®, CRC® CLICK HERE TO LISTEN TO MIGUEL'S LATEST PODCAST FOLLOW US ON: YouTube->https://m.youtube.com/c/CORTBURGRETIREMENTADVISORS Facebook-> https://m.facebook.com/CortburgInc Twitter-> https://twitter.com/CortburgInc LinkedIn->https://www.linkedin.com/in/miguelxgonzalez/ Website: www.CortburgRetirement.com Email: Miguel@CortburgRetirement.com

A fascinating exploration of how algorithms penetrate the most intimate aspects of our psychology—from the pioneering expert on psychological targeting. There are more pieces of digital data than there are stars in the universe. This data helps us monitor our planet, decipher our genetic code, and take a deep dive into our psychology. As algorithms become increasingly adept at accessing the human mind, they also become more and more powerful at controlling it, enticing us to buy a certain product or vote for a certain political candidate. Some of us say this technological trend is no big deal. Others consider it one of the greatest threats to humanity. But what if the truth is more nuanced and mind-bending than that? In Mindmasters: The Data-Driven Science of Predicting and Changing Human Behavior (Harvard Business Press, 2025), Columbia Business School professor Sandra Matz reveals in fascinating detail how big data offers insights into the most intimate aspects of our psyches and how these insights empower an external influence over the choices we make. This can be creepy, manipulative, and downright harmful, with scandals like that of British consulting firm Cambridge Analytica being merely the tip of the iceberg. Yet big data also holds enormous potential to help us live healthier, happier lives—for example, by improving our mental health, encouraging better financial decisions, or enabling us to break out of our echo chambers. With passion and clear-eyed precision, Matz shows us how to manage psychological targeting and redesign the data game. Mindmasters is a riveting look at what our digital footprints reveal about us, how they're being used—for good and for ill—and how we can gain power over the data that defines us. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/new-books-network

A fascinating exploration of how algorithms penetrate the most intimate aspects of our psychology—from the pioneering expert on psychological targeting. There are more pieces of digital data than there are stars in the universe. This data helps us monitor our planet, decipher our genetic code, and take a deep dive into our psychology. As algorithms become increasingly adept at accessing the human mind, they also become more and more powerful at controlling it, enticing us to buy a certain product or vote for a certain political candidate. Some of us say this technological trend is no big deal. Others consider it one of the greatest threats to humanity. But what if the truth is more nuanced and mind-bending than that? In Mindmasters: The Data-Driven Science of Predicting and Changing Human Behavior (Harvard Business Press, 2025), Columbia Business School professor Sandra Matz reveals in fascinating detail how big data offers insights into the most intimate aspects of our psyches and how these insights empower an external influence over the choices we make. This can be creepy, manipulative, and downright harmful, with scandals like that of British consulting firm Cambridge Analytica being merely the tip of the iceberg. Yet big data also holds enormous potential to help us live healthier, happier lives—for example, by improving our mental health, encouraging better financial decisions, or enabling us to break out of our echo chambers. With passion and clear-eyed precision, Matz shows us how to manage psychological targeting and redesign the data game. Mindmasters is a riveting look at what our digital footprints reveal about us, how they're being used—for good and for ill—and how we can gain power over the data that defines us. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/new-books-network

In this episode of the Top of Mind podcast, Mike Simonsen sits down with Dr. Arpit Gupta of NYU's Stern School of Business. The two discuss Dr. Gupta's important research on housing affordability, and the causes and cures of our unaffordable housing market. They uncover insights about which local regulations are the most negative for affordable housing, surprising data about how property taxes impact families and the market, and how home equity will impact future economic downturns. About Arpit Gupta Arpit Gupta is a professor of finance at New York University's Stern School of Business. Professor Gupta's research interests focus on using large datasets to understand default dynamics real estate and household finance. He received his B.S. in math and econ at the University of Chicago and his Ph.D. in Finance and econ from Columbia Business School. Dr. Gupta has done really useful research on housing affordability. He's studied the impact of housing regulation and taxation on affordability. Here's a glimpse of what you'll learn:  The ways in which regulation contributes to unaffordability in the housing market Which types of local regulations are the most negative for housing affordability Why low property taxes hurt young families One surprising reason that Texas real estate is more affordable than California What California does well and what it does poorly in the battle for affordability Why New York's AirBnB ban didn't help affordability How remote work has changed the housing market and what's next Related to this episode: Arpit Gupta | LinkedIn Arpit Gupta | X Arpit Gupta ⁠Mike Simonsen | LinkedIn⁠ ⁠Altos⁠ Featuring Mike Simonsen, President of Altos A true data geek, Mike founded Altos 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. Follow us on Twitter for more data analysis and insights: ⁠Altos on Twitter⁠ ⁠Mike on Twitter⁠ About Altos Each week, Altos tracks every home for sale in the country - all the pricing, and all the changes in pricing - and synthesizes those analytics to make them available before becoming visible through traditional channels. ⁠Schedule a demo⁠ to see Altos in action. You can also get a copy of our free eBook: ⁠How To Use Market Data to Build Your Real Estate Business⁠. The Top of Mind podcast features top real estate industry insiders and experts to unpack the most important housing, real estate, mortgage data and trends that are shaping the housing market. Hosted by Altos founder Mike Simonsen and produced by the HousingWire Content Studio. Learn more about your ad choices. Visit megaphone.fm/adchoices

Leader and manager development was CHROs' top priority in 2025, according to the 2025 Gartner HR Priorities Survey. When employees are frustrated by the leadership at the organization, their engagement, performance and productivity suffer. Adam Galinsky, professor at Columbia Business School and author of "Inspire: The Universal Path for Leading Yourself and Others,” joins the Talent Angle to share research on what makes leaders inspiring, rather than infuriating, and how organizations can adapt their leadership development strategies to nurture inspiration at scale. Adam Galinsky is a celebrated social psychologist at Columbia Business School known for his research on leadership, decision-making, teams, and ethics. His scientific research — consisting of more than 1,000 studies published in more than 200 scientific articles — has been cited more than 64,000 times. In Adam's latest book, “Inspire The Universal Path for Leading Yourself and Others,” he weaves together his decades of research and global consulting experience to reveal the science of how to become more inspiring. His TED Talk, “How to Speak Up For Yourself,” has been viewed more than 7.5 million times, and his book “Friend & Foe: When to Cooperate, When to Compete, and How to Succeed at Both” was an audible and eBook bestseller. Caroline Walsh is a managing vice president in Gartner's HR practice. Her teams help HR leaders build and execute talent, diversity, rewards, and learning strategies and programs. Caroline has also led Gartner research teams on commercial banking strategy and leadership. She holds a bachelor's degree in East Asian studies from Columbia University, and a master's degree in public affairs from Princeton University.

Are you listening when God speaks? Are you going where He sends you? In this episode, Jeff and Terry discuss: Keeping in touch and maintaining lifetime friends.Seeing God's hand in the paths of our lives.Hearing God's voice and acting on our promises with Him.Business as a platform for faith.  Key Takeaways: If you listen and obey, everything God touches will turn to gold. It won't be through your power, it will be through Him.You don't need to be perfect. God will meet us where we are and work with who we are.God is the owner of everything - our time, our talent, and our treasures.Serve God and He will lead you where you need to go. Start with faith, act in obedience, and be amazed at where He takes you.  "Get into the habit of every day asking God for direction and obeying those instructions. Then watch what happens, because I'm telling you, everywhere He leads you will turn into gold." —  Terry Trayvick Episode References:When Dreams Are Disrupted: A Story of God's Faithfulness by Sandy Ramsey - https://www.amazon.com/When-Dreams-Are-Disrupted-Faithfulness-ebook/dp/B0D9DV4SGT About Terry Trayvick: Terry Trayvick is a seasoned business strategy and transformation leader with over 40 years of experience in the automotive, consumer goods, printing, housing, health care, food, and private funding industries. Terry has earned the respect of global leaders for his ability to align organizations to deliver exceptional results.Terry is the founder and leader of Level Five, LLC (a strategy and execution company focused on helping companies go from good to great) and 5th Level Capital (a private funding company focused on debt and equity investments in the real estate industry). He is co-owner, with his wife Sandy, of Trayvick Private Investments and Trayvick Model Homes. And Terry is co-owner, with his daughters, of Trayvick SFA (a company focused on building multi-family housing in the Dallas-Fort Worth Metroplex).Prior to becoming an entrepreneur, Terry spent 20 years in corporate America. In several executive positions.  Terry was the Global President of R.R. Donnelley Financial, a $1 billion business unit. Terry led a diverse team consisting of 5,000 people in 40 locations around the world and spearheaded a transformation that grew market share and improved profitability by $80MM in three years. Prior to the role of Global President, Terry was the Senior Vice President of Strategy for R.R. Donnelley's $5 billion Print Solutions Group. Earlier in his career, Terry held several executive finance positions at R.R. Donnelley, Sara Lee, and Procter and Gamble, and several operations roles at General Motors.Terry is Chairman of the board for Water.org, a board member of Emacx Systems, and Vice Chairman of the Board of Trustees for the 9000 member Christ Church in Montclair and Rockaway, New Jersey.  Terry's hobbies include playing golf, spending time with family and friends, traveling, and working out.  Terry grew up in Dayton, Ohio, lives in Montclair, NJ, has three adult children, and has been married to his wife, Sandy, for over 34 years. Terry has a B.S. in Industrial Management from the University of Cincinnati and an MBA in Finance and Marketing from Columbia Business School. Connect with Terry Trayvick:Website: https://www.5thlevelcapital.com/  Connect with Jeff Thomas: Website: https://www.arkosglobal.com/Podcast: https://www.generousbusinessowner.com/Book: https://www.arkosglobal.com/trading-upEmail: jeff.thomas@arkosglobal.comTwitter: https://twitter.com/ArkosGlobalAdvFacebook: https://www.facebook.com/arkosglobal/LinkedIn: https://www.linkedin.com/company/arkosglobaladvisorsInstagram: https://www.instagram.com/arkosglobaladvisors/YouTube: https://www.youtube.com/channel/UCLUYpPwkHH7JrP6PrbHeBxw

Dr. Sandra Matz, computational social scientist, award-winning researcher, Professor of Business at Columbia Business School, author of Mindmasters, and TEDx and keynote speaker, joins me on this episode. Dr. Matz's research explores how digital footprints, such as our online behaviors, social media interactions, and even purchases, can reveal deep insights into our personality, decision-making, and well-being. Her work has been featured in major media outlets including The Economist, The New York Times, The Wall Street Journal, Forbes, and Business Insider.

This episode was recorded on February 19th, 2025. Miguel Gabián is the founder and president of Fertílitas, a company specializing in NaProTechnology based in Spain. Established in 2018, Fertílitas is dedicated to helping couples identify the root causes of infertility, thereby restoring their natural potential to conceive. Prior to this, Miguel enjoyed a successful 25-year career in investment banking. He holds an MBA from Columbia Business School and is recognized as a Fundación Barrié scholar. A passionate advocate for life and family issues, Miguel has been happily married to his high school sweetheart for almost 30 years and is a proud father of five children. Connect with me:  Instagram: https://www.instagram.com/tammy.m.peterson Facebook: https://www.facebook.com/TammyPetersonPodcast TikTok: https://www.tiktok.com/@tammypetersonpodcast Twitter: https://twitter.com/Tammy1Peterson Rumble: https://rumble.com/c/TammyPetersonPodcast

In this special episode, created by one of our student podcast fellows, NYU student Stella Adler interviews Steve Zagor, adjunct faculty member at the Nutrition and Food Studies Program at the NYU Steinhardt School of Culture, Education, and Human Development. Together, they discuss Steve's career in the restaurant, hotel, and food consulting industries, tips for establishing a successful restaurant, and how the New York City food scene has changed over the years. They also answer one of the hardest questions ever: what's the best slice of pizza in New York City?Steve Zagor's multifaceted career has included owning a multi-concept restaurant/retail/club group, directing a $10 million NYC restaurant, serving as a regional consulting leader in food business advisory for a worldwide financial firm, and sitting on boards of businesses and non-profits. He is quoted and appears frequently in major media. Currently, Steve is a faculty member at both NYU and the Columbia Business School, where he developed courses in food/restaurants and the business side of nutrition. He has a food business consulting company and performs satirical ventriloquism on The Food Freneticks.For a full transcript of this episode, please email career.communications@nyu.edu. 

Is there such a thing as a sustainable competitive advantage anymore? Step into the strategic mind of Rita McGrath, one of the foremost thinkers in innovation and strategy. In this eye-opening conversation, the Columbia Business School professor challenges conventional thinking about market disruption, inflection points, and how organizations can stay agile in rapidly changing environments. From dissecting the true story behind Kodak's downfall to examining what makes companies like Apple thrive, Rita reveals how business leaders can anticipate change before it's too late. Discover why focusing solely on your competition might be your biggest strategic mistake and why understanding your "arena" rather than your market could be the key to future success.---Guy Kawasaki is on a mission to make you remarkable. His Remarkable People podcast features interviews with remarkable people such as Jane Goodall, Marc Benioff, Woz, Kristi Yamaguchi, and Bob Cialdini. Every episode will make you more remarkable.With his decades of experience in Silicon Valley as a Venture Capitalist and advisor to the top entrepreneurs in the world, Guy's questions come from a place of curiosity and passion for technology, start-ups, entrepreneurship, and marketing. If you love society and culture, documentaries, and business podcasts, take a second to follow Remarkable People.Listeners of the Remarkable People podcast will learn from some of the most successful people in the world with practical tips and inspiring stories that will help you be more remarkable.Episodes of Remarkable People organized by topic: https://bit.ly/rptopologyListen to Remarkable People here: **https://podcasts.apple.com/us/podcast/guy-kawasakis-remarkable-people/id1483081827**Like this show? Please leave us a review -- even one sentence helps! Consider including your Twitter handle so we can thank you personally!Thank you for your support; it helps the show!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Miguel Gonzalez, CRC®, shares five essential steps to avoid financial strain and build the retirement you deserve.Cortburg Retirement Advisors is a boutique financial planning firm committed to helping you grow, protect, and preserve your assets from your first job to retirement. We specialize in wealth management, estate and tax planning, group retirement, employee benefits, insurance, and retirement planning to navigate any economic climate.Miguel Gonzalez, a Retirement Specialist with 20+ years of experience, offers expertise in retirement income planning, investment management, and retirement plan design. With an MBA from Columbia Business School, and professional experience with JP Morgan Chase, Merrill Lynch, and more, Miguel is a trusted advisor for his clients.#RetirementPlanning #FinancialPreparedness #RetirementSavings #CortburgRetirementAdvisors #MiguelGonzalezCRC #SecureRetirement #MoneyMondays #RetirementTips #FinancialWellness #401kTips #IRAPlanning #RetireSmart #FinancialFreedom #LongevityPlanning #StartSavingEarly #SocialSecurityStrategy #CompoundInterest #InvestmentStrategy #RetirementBudget #FinancialAdvisorTipsWelcome to Cortburg Speaks Retirement Podcast with Miguel Gonzalez, MBA, AIF®, CPFA®, CRC® CLICK HERE TO LISTEN TO MIGUEL'S LATEST PODCAST FOLLOW US ON: YouTube->https://m.youtube.com/c/CORTBURGRETIREMENTADVISORS Facebook-> https://m.facebook.com/CortburgInc Twitter-> https://twitter.com/CortburgInc LinkedIn->https://www.linkedin.com/in/miguelxgonzalez/ Website: www.CortburgRetirement.com Email: Miguel@CortburgRetirement.com

Kelly connects with Columbia Business School professor Sandra Matz to discuss her new book “Mindmasters: The Data-Driven Science of Predicting and Changing Human Behavior.” “We are fighting for attention. We want to be seen.”  “Behavioral residues are the by-product of our lives.”  “Each of us comes in many different versions.” 

In this episode of the HR Leaders Podcast, we sit down with Stephan Meier, Professor at Columbia Business School and author of The Employee Advantage, to explore how employee-centric strategies are reshaping the workplace. Stephan shares how behavioral economics, employee experience, and business strategy intersect, and why treating employees like customers creates competitive advantage.

Forget the myth of the "naturally" inspiring leader. Adam Galinsky, author of "Inspire", reveals the science behind inspiration – and how you can cultivate it.Adam is the world's #1 expert on inspirational leadership. He is a professor at Columbia Business School and has been studying the science of inspiration for over 20 years. His new book “Inspire” is one of the best books on leadership in recent years. His TED Talk, “How to Speak Up for Yourself,” has been viewed millions of times.Adam shares science-based yet actionable strategies to become more inspiring in any setting, how to deal with infuriating leaders, and how to use the “leadership amplification effect” in your favor.  Find out more about Adam Galinsky and how inspiring you are in his 3 minute quiz: https://adamgalinsky.com/  Make sure you're subscribed to the Speak Like a CEO newsletter to become a top 1% communicator: https://eoipsocommunications.com/newsletter/Do you want to speak with confidence, inspire your team, and accelerate your career? You can now join the Speak Like a CEO Academy and work with Oliver over the next 90 days to become a top 1% communicator and transform your career.https://speaklikeaceoacademy.com/

Certified Retirement Counselor Miguel Gonzalez breaks down how Social Security is taxed in 2025 and shares smart strategies to avoid surprise tax bills.Cortburg Retirement Advisors is a boutique financial planning firm committed to helping you grow, protect, and preserve your assets from your first job to retirement. We specialize in wealth management, estate and tax planning, group retirement, employee benefits, insurance, and retirement planning to navigate any economic climate.Miguel Gonzalez, a Retirement Specialist with 20+ years of experience, offers expertise in retirement income planning, investment management, and retirement plan design. With an MBA from Columbia Business School, and professional experience with JP Morgan Chase, Merrill Lynch, and more, Miguel is a trusted advisor for his clients.#SocialSecurity #RetirementTaxes #TaxPlanning #SocialSecurityBenefits #2025TaxRules #RetirementPlanning #TaxableBenefits #CortburgRetirementAdvisors #MiguelGonzalezCRC #FinancialPlanning #RetirementIncome #TaxSmartRetirement #TaxStrategy #SocialSecurityTips #TaxGuide2025 #SmartRetirementMoves #SeniorFinance #RetirementEducation #YouTubeFinance #MoneyMondaysWelcome to Cortburg Speaks Retirement Podcast with Miguel Gonzalez, MBA, AIF®, CPFA®, CRC® CLICK HERE TO LISTEN TO MIGUEL'S LATEST PODCAST FOLLOW US ON: YouTube->https://m.youtube.com/c/CORTBURGRETIREMENTADVISORS Facebook-> https://m.facebook.com/CortburgInc Twitter-> https://twitter.com/CortburgInc LinkedIn->https://www.linkedin.com/in/miguelxgonzalez/ Website: www.CortburgRetirement.com Email: Miguel@CortburgRetirement.com

What does it mean to belong to a tribe? How does cultural psychology offer insight into politics, organizational behavior, and leadership? How does tribalism distinguish humans from other animals?Michael Morris is the Chavkin-Chang Professor of Leadership at Columbia Business School and also serves as Professor in the Psychology Department of Columbia University. Michael is also the author of the new book Tribal: How the Cultural Instincts That Divide Us Can Help Bring Us Together.Greg and Michael discuss the concept of tribalism, its historical and modern connotations, and how our evolved group psychology can both contribute to and resolve contemporary social conflicts. Michael emphasizes the importance of understanding cultural instincts like the peer instinct, hero instinct, and ancestor instinct, and how leaders can harness these to steer cultural evolution in organizations and societies. The conversation also explores real-world examples of cultural change, the pitfalls of top-down and bottom-up change strategies, and the critical role of managing cultural identities in fostering cooperation and successful adaptation.*unSILOed Podcast is produced by University FM.*Episode Quotes:What makes us human is our tribal nature14:22: We are the tribal animal. If we want to understand what distinguishes us, our brains are not that much bigger than chimpanzees'. Our brains are not bigger than Neanderthals'; they're smaller than Neanderthal brains. But what distinguishes us is that we have these adaptations for sharing culture that enable tribal living, and this wonderful force of tribal inheritance, of wisdom accumulating like a snowball across the generations. And it can be the generations of a nation, but it can also be the generations of a corporation or the generations of a motorcycle club. Generations don't have to be referring to the human lifespan. And so, that's our killer app. That's what makes us who we are. That's what made us the top of the food chain and the dominant species of the planet and solar system. So, we should not renounce our tribal nature. We shouldn't pretend that what makes us human is rationality, or ethics, or poetry, or something like that.Why tradition is actually a change maker's secret weapon19:02: Tradition can seem like an obstacle to change. And the traditionalism in our mind can seem like an obstacle to cultural change, but it's a change-maker's secret weapon.How we learn from our community through peer, hero, and ancestor instincts16:39 There are social learning heuristics, and I kind of label them in a way to try to make them more concrete and more accessible. I label them the peer instinct, the hero instinct, and the ancestor instinct. But I'm aggregating decades of research from evolutionary anthropologists and from a cultural psychologist about the fact that we tend to learn the culture that nurtures us, in part by paying attention to what's widespread. And that's peer instinct learning, by paying attention to what carries prestige. That's hero instinct learning. And by paying attention to what seems like it's always been the distinctive mark of our community, traditions, and that's ancestor instinct learning. And so we're sort of wired to form maps of our community in those three ways.Show Links:Recommended Resources:TribalismE. O. WilsonCesar ChavezPhilip E. TetlockMulticulturalismPolyculturalismSyncretismGuest Profile:Faculty Profile at Columbia Business SchoolMichaelMorris.comWikipedia ProfileSocial Profile on XHis Work:Tribal: How the Cultural Instincts That Divide Us Can Help Bring Us TogetherGoogle Scholar Page

How can you create a more employee centric culture?Why do companies that invest in employee experience consistently outperform their competitors?My guest on this episode is Stephan Meier, Professor at Columbia Business School & author of 'The Employee Advantage: How Putting Workers First Help Business Thrive'.During our conversation Stephan and I discuss:Why employees care about more than just money when it comes to their jobs—the same way customers care about more than just price.How investing in employee experience drives innovation, reduces costs, and significantly boosts retention.Why designing "just right" challenges that stretch but don't overwhelm employees is crucial for engagement.How strategic choices around generative AI can enhance rather than diminish human contribution and engagement.Connecting with Stephan:Connect with Stephan Meier on LinkedInLearn more about the “The Employee Advantage: How Putting Workers First Help Business Thrive”Episode Sponsor:Next-Gen HR Accelerator - Learn more about this best-in-class leadership development program for next-gen HR leadersElevate 2025 - Learn more about this once a year, 3-week virtual program focused on taking your strategic capabilities and business impact to the next level with 16 interactive sessions led by 18 HR thought leaders.HR Leader's Blueprint - 18 pages of real-world advice from 100+ HR thought leaders. Simple, actionable, and proven strategies to advance your career.Succession Planning Playbook: In this focused 1-page resource, I cut through the noise to give you the vital elements that define what “great” succession planning looks like.

Smrita Choubey, founder of Veda Warrior, is an Indian-American entrepreneur with a unique blend of expertise in healthcare, corporate strategy, and indigenous healing systems. Smrita's journey has taken her from the world of high finance to the forefront of holistic wellness.A University of Chicago economics alumn and an MBA graduate from Columbia Business School, she began her career in healthcare investment banking at J.P. Morgan, where she gained firsthand insight into the challenges and conflicts within the American healthcare system. Determined to create meaningful change, she built Veda Warrior, assembling a world-class team of scientists, researchers, traditional healers, and manufacturing experts. Their mission? To craft plant-based remedies that honor ancient traditions while meeting the demands of modern life.At the heart of Veda Warrior is a powerful vision: to challenge the profit-driven healthcare model and redefine wellness beyond just the absence of disease. True well-being, as Smrita and her team believe, is about operating at the peak of one's human potential—where physical health, mental clarity, and spiritual peace align to create a life of purpose, joy, success, and abundance. Rooted in Ayurveda, their approach bridges the gap between time-tested wisdom and modern science, offering individuals personalized tools to take charge of their own health.In this episode, we explore Smrita's journey, the role of Cannabis in Ayurveda, the historical and economic forces behind Cannabis prohibition, reclaiming Feminine wisdom, the economic potential for Ayurveda, and her vision for integrative wellness. Smrita is not only the founder of Veda Warrior, she is a Veda Warrior. Championing  and teaching this wisdom science is deep within her DNA, and we are so excited to know each other and work together in this shared Dharma of bringing Ayurveda to modern life in the West. Send us a textSupport the showTo learn more about us, please visit www.OjasOasis.com Connect with us @ojasoasis on Instagram

In this episode, William Green chats with Christopher Begg, an exceptional hedge fund manager who is the CEO & CIO of East Coast Asset Management. Chris has also taught for many years at Columbia Business School, where he teaches the prestigious Security Analysis course that Warren Buffett took with Ben Graham in 1951. Here, Chris discusses how to stay calm amid market turmoil; how he identifies great businesses; why Tesla could deliver extraordinary long-term returns; & how he builds a balanced life in 7 key areas. IN THIS EPISODE YOU'LL LEARN: 03:54 - How Christopher Begg handles extreme market turmoil. 04:07 - Why he loves volatility & how he exploits it.  06:27 - What 3 qualities he seeks when identifying an exceptional business.  18:19 - Why temperament is the key to investment success.  28:06 - How Perimeter Solutions embodies what he looks for in a stock. 31:49 - How value investing has evolved to what he calls “Value 3.0.” 42:15 - Why Tesla could deliver “extraordinary” returns over many years.  42:15 - What he thinks of Elon Musk.  01:11:13 - Why the secret of success is “persistent incremental progress.” 01:13:48 - How a 66-day challenge helped Chris to nurture good habits. 01:26:06 - How Buffett & Munger won the investing game with “class & virtue.” 01:34:18 - How to design a balanced, joyful, & spacious life.  Disclaimer: Slight discrepancies in the timestamps may occur due to podcast platform differences. BOOKS AND RESOURCES Join Clay and a select group of passionate value investors for a retreat in Big Sky, Montana. Learn more here. Join the exclusive TIP Mastermind Community to engage in meaningful stock investing discussions with Stig, Clay, Kyle, and the other community members. Chris Begg's investment firm, East Coast Asset Management. Marcel Proust's In Search of Lost Time. Tanya Luhrmann's How God Becomes Real. Maurice Merleau-Ponty's Phenomenology of Perception. Douglas Adams' The Hitchhiker's Guide to the Galaxy. Richard Bach's Jonathan Livingston Seagull. James Carse's Finite & Infinite Games. David Whyte's Consolations & Consolations II. Madeleine Green's song discussed by William & Chris. William Green's book, “Richer, Wiser, Happier” – read the reviews of this book. Follow William Green on X. Check out all the books mentioned and discussed in our podcast episodes here. Enjoy ad-free episodes when you subscribe to our Premium Feed. NEW TO THE SHOW? Get smarter about valuing businesses in just a few minutes each week through our newsletter, The Intrinsic Value Newsletter. Check out our We Study Billionaires Starter Packs. Follow our official social media accounts: X (Twitter) | LinkedIn | Instagram | Facebook | TikTok. Browse through all our episodes (complete with transcripts) here. Try our tool for picking stock winners and managing our portfolios: TIP Finance Tool. Enjoy exclusive perks from our favorite Apps and Services. Learn how to better start, manage, and grow your business with the best business podcasts. SPONSORS Support our free podcast by supporting our sponsors: SimpleMining Hardblock Found AnchorWatch DeleteMe Fundrise CFI Education Indeed Vanta Shopify The Bitcoin Way Onramp HELP US OUT! Help us reach new listeners by leaving us a rating and review on Spotify! It takes less than 30 seconds, and really helps our show grow, which allows us to bring on even better guests for you all! Thank you – we really appreciate it! Support our show by becoming a premium member! https://theinvestorspodcastnetwork.supportingcast.fm Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://theinvestorspodcastnetwork.supportingcast.fm

HENRYs—High Earners, Not Rich Yet—face unique financial challenges despite strong incomes.  In this episode, Certified Retirement Counselor Miguel Gonzalez shares 8 key money management and investing strategies to help HENRYs build wealth and stay confident in volatile markets.Cortburg Retirement Advisors is a boutique financial planning firm committed to helping you grow, protect, and preserve your assets from your first job to retirement. We specialize in wealth management, estate and tax planning, group retirement, employee benefits, insurance, and retirement planning to navigate any economic climate.Miguel Gonzalez, a Retirement Specialist with 20+ years of experience, offers expertise in retirement income planning, investment management, and retirement plan design. With an MBA from Columbia Business School, and professional experience with JP Morgan Chase, Merrill Lynch, and more, Miguel is a trusted advisor for his clients.#HENRY #HighEarnerNotRichYet #MoneyTips #InvestingSmart #FinancialPlanning #RetirementPlanning #MiguelGonzalez #CortburgAdvisors #WealthBuilding #MarketVolatility #EmergencyFund #DebtManagement #DiversifyInvestments #FinancialWellness #SmartMoneyMoves #YoungProfessionalsFinance #MillennialMoney #FinancePodcast #LongTermInvesting #StayInformedWelcome to Cortburg Speaks Retirement Podcast with Miguel Gonzalez, MBA, AIF®, CPFA®, CRC® CLICK HERE TO LISTEN TO MIGUEL'S LATEST PODCAST FOLLOW US ON: YouTube->https://m.youtube.com/c/CORTBURGRETIREMENTADVISORS Facebook-> https://m.facebook.com/CortburgInc Twitter-> https://twitter.com/CortburgInc LinkedIn->https://www.linkedin.com/in/miguelxgonzalez/ Website: www.CortburgRetirement.com Email: Miguel@CortburgRetirement.com

Are the algorithms that exist in our daily lives getting so smart that they know us better than our parents or our spouses? How do we balance the convenience and efficiency of this technology with privacy and consumer protections? Sandra Matz is a professor at Columbia Business School and the director of the Center for Advanced Technology and Human Performance. Her book, Mindmasters: The Data-Driven Science of Predicting and Changing Human Behavior examines the link between algorithms and psychology. Sandra and Greg chat about the bright and dark sides of psychological targeting, its applications in marketing, politics, and mental health, as well as the ethical considerations and future implications of using algorithms for personalized interactions.*unSILOed Podcast is produced by University FM.*Episode Quotes:Even the smartest algorithms slip up24:01: When we talk about these algorithms, and I'm guilty of that myself, it always seems like, well, yeah, if they can predict your personality with high accuracy, that makes sense, but it still makes mistakes, right? So, accuracy is always captured at the average level. So, on average, we kind of get it right most of the time. But that still means that, at the individual level, we make a lot of mistakes. And those mistakes can be costly for the individual, right? 'Cause now you are seeing stuff that is completely irrelevant. Also costly for companies, 'cause now you are optimizing for something that's not actually true. So, I think if you can really think about application—I think the more you can turn this into a two-way street and conversation, the same way that this works in an offline world, right? If you kind of suddenly start talking to me about topics that I care nothing about, you're going to get that feedback, 'cause either I'm not going to see you again, or I just tell you we just talk about something else. And companies oftentimes don't get that because they don't allow users to interact with some of the predictions that they make. And I think it's a mistake, not just from an ethical point of view, but even from a kind of service, convenience, product point of view.Are algorithms making us boring?11:09: There's something nice about having these algorithms understand what we want, but I also do think that there's the risk of us just becoming really boring.The trouble with signing away our data49:29: The way that we typically sign away data is, we consent, but not because we understand it. And I think some of it is just that technology moves so fast that just keeping up with technology is almost impossible. So I think about this 24/7, and I have a hard time, and you also have to have this understanding of — not just in the here and now — like, a fully rational person would say, "Here's all the benefits, and here's all the downsides." And now I kind of make this rational decision that kind of maximizes utility. But we don't understand the downsides.Show Links:Recommended Resources:Big Five personality traitsCambridge AnalyticaGuest Profile:Faculty Profile at Columbia Business SchoolProfessional WebsiteProfessional Profile on LinkedInCenter for Advanced Technology and Human PerformanceHer Work:Mindmasters: The Data-Driven Science of Predicting and Changing Human Behavior

Our guest this week is Vincent Montemaggiore. Vince is a portfolio manager at Fidelity where he manages the Overseas Fund. The strategy is highly regarded by Morningstar's manager research team. Prior to taking over Fidelity Overseas in 2012, Vince ran Fidelity Select Banking from June 2008. He joined Fidelity as an equity analyst in 2004. Vince has a bachelor's from the University of Pennsylvania and an MBA from Columbia Business School. Vince, welcome to The Long View.BackgroundBioFidelity Series Overseas FSOSXGlobal Outlook“2025 Global Investing Outlook: Unsettling International Headlines Are Creating Opportunities for US Investors,” fidelity.com, Jan. 6, 2025.“Trump Tariffs and Investors: What They Mean for Inflation, Stocks, and the Economy,” fidelity.com, April 9, 2025.GRANOLAS Stocks Mentioned“Europe's Magnificent 7 Stocks Are Profitable—And Cheaper,” by Jocelyn Jovene, morningstar.co.uk, Feb. 19, 2024.GSKRocheASMLNestleNovartisSAPAI and Companies MentionedRELXLSEG and Microsoft PartnershipOtherHitachiTokio MarineBill KennedySammy SimnegarJed Weiss

Dorie Clark is a Wall Street Journal bestselling author of The Long Game and executive education faculty at Columbia Business School. Top 3 Value Bombs 1. If too much of your revenues comes only from one source and that suddenly changes or become disruptive , it will be a real problem. 2. Make sure that there are multiple legs on your table so if you lose one leg, it will not be devastating to your business and build safety to your corporate model. 3. It takes courage to make choices that don't feel valuable today but will be in the future. How to Be a Long-Term Thinker in a Short-Term World. Get a copy of Dorie's book - The Long Game Sponsors NetSuite Over 41,000 businesses have future-proofed their business with NetSuite, by Oracle - THE number one cloud E.R.P. Download the CFO's Guide to AI and Machine Learning for free at NetSuite.com/fire Mentorship: Email John@EOFire.com to set up a call Northwest Registered Agent Protect your privacy, build your brand, and set up your business in just 10 clicks in 10 minutes. Visit NorthwestRegisteredAgent.com/fire and start building something amazing

Before your child heads to college, make sure your estate plan is in place. Miguel Gonzalez, Certified Retirement Counselor, shares four key legal documents parents should have to protect their family's future.Cortburg Retirement Advisors is a boutique financial planning firm committed to helping you grow, protect, and preserve your assets from your first job to retirement. We specialize in wealth management, estate and tax planning, group retirement, employee benefits, insurance, and retirement planning to navigate any economic climate.Miguel Gonzalez, a Retirement Specialist with 20+ years of experience, offers expertise in retirement income planning, investment management, and retirement plan design. With an MBA from Columbia Business School, and professional experience with JP Morgan Chase, Merrill Lynch, and more, Miguel is a trusted advisor for his clients.#EstatePlanning #CollegePrep #HealthcareProxy #PowerOfAttorney #AdvanceDirectives #LastWill #FinancialPlanning #DurablePOA #ParentsAndCollege #RetirementPlanning #CortburgAdvisors #MiguelGonzalezCRC #LegalDocuments #CollegeBound #FamilyFinance #FinancialSecurity #ProtectYourFuture #WillsAndTrusts #EstatePlanChecklist #ParentPlanningWelcome to Cortburg Speaks Retirement Podcast with Miguel Gonzalez, MBA, AIF®, CPFA®, CRC® CLICK HERE TO LISTEN TO MIGUEL'S LATEST PODCAST FOLLOW US ON: YouTube->https://m.youtube.com/c/CORTBURGRETIREMENTADVISORS Facebook-> https://m.facebook.com/CortburgInc Twitter-> https://twitter.com/CortburgInc LinkedIn->https://www.linkedin.com/in/miguelxgonzalez/ Website: www.CortburgRetirement.com Email: Miguel@CortburgRetirement.com

Is your organization built for a world where 90% of organizational value now comes from intangibles? Rita McGrath explores why traditional hierarchies are dissolving into ecosystem constellations.In this thought-provoking episode of Ecosystemic Futures, host Marco Annunziata welcomes Columbia Business School professor and strategy expert Rita McGrath to discuss how ecosystemic thinking can help organizations navigate major economic inflection points. Professor McGrath reveals how our economic ecosystem is undergoing a profound transformation. According to recent studies, intangible assets now account for 90% of S&P 500 market value, dramatically increasing from just 17% in 1975. This shift dissolves traditionalorganizational boundaries and creates new ecosystem models where "the unit of value creation is small teams or even individuals" connected in constellation-like networks rather than hierarchical structures.Highlights• Strategic inflection points represent moments when industry assumptions fundamentally shift, creating both opportunities and threats for organizations• Intangible assets now account for 90% of S&P 500 market value (up from 17% in 1975), transforming how value is created and captured• The "unit of value creation" is shifting from large corporations to ecosystem constellations of small teams and individuals• "Memories from the future" methodology helps leaders identify early warning signals of strategic inflection points before they fully materialize• AI-powered digital twins are revolutionizing supply chains, enabling organizations to model thousands of response scenarios to disruptions in minutesThe conversation examines how interconnected global systems are being reshaped by dematerialization, with examples ranging from vertical urban farming projected to reach $35.8 billion by 2032 to Hyundai's revolutionary vertical car manufacturing facility in Singapore. Rita and Marco explore how AI-powered digital twins transform supply chain ecosystems, allowing companies like Kraft Heinz to model thousands of response scenarios to disruptions in minutes—a task that is impossible for human analysts.As one of the world's top-10 ranked management thinkers, Rita McGrath offers scientists, technologists, and forward-thinking executives a framework for identifying early ecosystem signals through "memories from the future"—a robust methodology for navigating the transition from our petroleum-based past to our digital, ecosystemic future where intangible investment has consistently outpaced tangible investment since 2008 across major economies. Guest: Rita McGrath, Best-selling author, sought-after speaker, and longtime professor at Columbia Business SchoolHost: Marco Annunziata, Co-Founder, Annunziata + Desai PartnersSeries Hosts: Vikram Shyam, Lead Futurist, NASA Glenn Research CenterDyan Finkhousen, Founder & CEO, Shoshin Works

Justin Soleimani is the Co-founder and Co-CEO of Tumble, a Los Angeles-based company specializing in machine-washable, spillproof rugs designed for modern living. Before establishing Tumble in 2021, he worked as a consultant at Bain & Company, advising clients across various industries. Justin holds an MBA from Columbia Business School and a BA in Economics from Emory University, where he met his Co-founder, Zach Dannett. Under their leadership, Tumble has grown significantly, scaling to high eight-figures in revenue within four years. Zach Dannett is the Co-founder and Co-CEO of Tumble. Before Tumble, he served as the General Merchandise Manager and Buyer & Merchandiser for Outdoor Furniture at Noble House Home Furnishings, LLC and as an Investment Management Associate at BBR Partners. Zach earned his BBA in Finance from Emory University's Goizueta Business School in 2011, where he met his Co-founder, Justin Soleimani. In this episode… Breaking into the ecommerce ecosystem with a physical product — especially a large one like rugs — comes with unique logistical and financial hurdles. From expensive shipping costs to supply chain inefficiencies, many startups fail to develop a sustainable model. How did a product-focused, bootstrapped brand scale successfully without sacrificing profitability? Justin Soleimani and Zach Dannett, experts in DTC product development and operations, tackled this challenge head-on by designing a modular, collapsible rug that's easier and less expensive to ship. Justin and Zach spent over 15 months perfecting their design before launching, focusing on optimizing everything from the product's dimensions to its warehousing footprint. They emphasize the value of focusing on profitability from day one by cutting out unnecessary SKUs, refining your supply chain, and tailoring offerings to fit consumer needs and carrier constraints. In this episode of the Minds of Ecommerce podcast, Raphael Paulin-Daigle interviews Justin Soleimani and Zach Dannett, Co-founders and Co-CEOs of Tumble, about building a nearly nine-figure DTC brand. They share how product-first thinking drove early success using the value of modular design, shipping optimization, and bootstrapping strategies. Tune in for insights on crowdfunding, curated product assortments, and manufacturing challenges.

    Renowned social psychologist and Columbia Business School professor Adam Galinsky, has dedicated his academic career to understanding the intricacies of leadership and human behavior. His latest book, “Inspire: The Universal Path for Leading Yourself and Others,” offers a compelling exploration of what it takes to be an inspiring leader. Adam is clear that inspiring leadership […] The post Adam Galinsky: A Blueprint for Inspiring Leadership appeared first on Mark C. Crowley.

In this episode of Capital for Good we speak with Michael Posner, the Jerome Kohlberg Professor of Ethics and Finance at NYU's Stern School of Business, director of the school's Center for Business and Human Rights, a long-time leader in the field, luminary thinker, advocate, former State Department Official, and the author of the new book, Conscience Incorporated. We begin with Posner's early interests in international human rights issues, sparked in law school when he was tasked with investigating atrocities in Uganda under Idi Amin. He lays out the principals of early, post-World War II and UN inspired human rights law focused on universality, and the responsibility of governments to promote, protect and enforce human rights. Notably absent from this early framework is the role of business. Posner explains that his interest in the intersection of human rights took shape when he began to observe that large multinational corporations had a critical role to play, particularly when they operated in weak states that lacked the ability to protect human rights. We discuss why companies should care, fundamentally, about human rights on ethical dimensions (“outsourcing might be a smart business strategy, but you can't outsource responsibility if you're the main economic beneficiary,”) and because there are material costs that can arise from irresponsible practices, often reputational crises and/or regulation. We explore the deficiencies of various business frameworks: how and why Milton Friedman's shareholder primacy worldview fails to account for environmental and social externalities and a broader set of stakeholders; how and why ESG conflate environmental and social considerations and emphasize risk rather than meaningful performance on issues like climate change or worker protections. Posner suggests that this moment of backlash against all things ESG, DEI and “woke capitalism” offers us an opportunity to do better. We touch on sometimes complex tensions between climate change and human rights concerns, acknowledging that climate change can only be solved if we transition to a lower carbon economy, with the scale up of renewable energy and the development of technologies like electric vehicles, which in turn rely on things like batteries. We know that today batteries are reliant on inputs like critical minerals, long mined in ways and places rife with human rights challenges, and today often controlled by Chinese companies. China is also the world's largest and lowest cost producer of solar panels, and much of that production occurs in Xinjiang, with forced labor of the Uyghur ethnic minority. Posner discusses a number of ways to better integrate climate and human rights considerations. Before opening the floor to audience questions, we discuss the evolution of technology and human rights issues. When Posner was at the State Department from 2010 to 2012, he had a front tow seat to the Arab Spring and the “Facebook Revolution,” witnessing how activists used social media to fight authoritarianism. Although he says he still believes in the power of technology to open up political discourse, he has become much more concerned about issues of data privacy, surveillance, harmful violent and incendiary content, information and disinformation, and ways in which companies try to shield themselves with first amendment (to which they are not legally subject) to avoid more vigorous content moderation or human rights engagement. We conclude with the role of corporate leaders when it comes to human rights. While Posner notes he is typically conservative about how much executives should speak out on specific issues, he believes strongly that “business leaders need to be attentive and active if there are fundamental threats to our democracy.” This episode of Capital for Good was recorded as part of Social Impact Week 2025, a week of social impact-related events for the Columbia Business School community, organized by the Social Enterprise Club, Green Business Club, Community Impact Club, and LEO Impact Fund. Thanks for Listening! Subscribe to Capital for Good on Apple, Amazon, Google, Spotify, or wherever you get your podcasts. Drop us a line at socialenterprise@gsb.columbia.edu.  Mentioned in this Episode Conscience Incorporated: Pursue Profits While Protecting Human Rights The Fair Labor Association

Managing money shouldn't be complicated—but for many high earners, the traditional wealth management system feels more like a maze than a roadmap to success. In this episode of The Greatness Machine, Darius sits down with Adam Dell, founder of Domain Money, to explore how financial planning can be simplified for high-earning professionals. Adam shares insights on why traditional wealth management often falls short, the importance of a clear financial roadmap, and how Domain Money is transforming the industry with a transparent, flat-fee approach. In this episode, Darius and Adam will discuss: (00:00 Introduction to Adam Dell and His Journey (04:45) The Evolution of Entrepreneurship (10:12) Navigating Exits and Corporate Transitions (14:58) The Importance of Feedback and Iteration (19:55) Diverse Ventures and Problem Solving (24:50) Wealth Management and Domain Money's Mission (27:20) The Evolution of Wealth Management (30:06) Understanding Domain Money's Target Audience (33:47) Differentiating Domain Money from Traditional Advisors (40:11) The A La Carte Approach to Financial Planning (44:55) Navigating Investment Decisions and Market Trends (49:12) Future Aspirations for Domain Money Adam Dell is the Founder and CEO of Domain Money and a serial entrepreneur with four successful exits, including Clarity Money (Goldman Sachs), MessageOne (Dell), Buzzsaw (Autodesk), and Civitas Learning (Francisco Partners). Previously a partner at Goldman Sachs, he led product development for Marcus by Goldman Sachs, launching Marcus Invest, Marcus Checking, and Marcus Insights. Adam has also served as an adjunct professor at Columbia Business School and the University of Texas School of Law. He holds a B.A. from Tulane University and a law degree from the University of Texas. Sponsored by: Huel: Try Huel with 15% OFF + Free Gift for New Customers today using my code greatness at https://huel.com/greatness. Fuel your best performance with Huel today! Indeed: Get a $75 sponsored job credit to boost your job's visibility at Indeed.com/DARIUS. Shipstation: Go to shipstation.com and use code GREATNESS to sign up for your FREE trial. Shopify: Sign up for a $1/month trial period at shopify.com/darius.  Connect with Adam: Website: https://www.domainmoney.com/  LinkedIn: https://www.linkedin.com/in/adamdell/  Twitter: https://x.com/adamdell  Connect with Darius: Website: https://therealdarius.com/ Linkedin: https://www.linkedin.com/in/dariusmirshahzadeh/ Instagram: https://www.instagram.com/imthedarius/ YouTube: https://therealdarius.com/youtube Book: The Core Value Equation https://www.amazon.com/Core-Value-Equation-Framework-Limitless/dp/1544506708 Write a review for The Greatness Machine using this link: https://ratethispodcast.com/spreadinggreatness.  Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Miguel Gonzalez, Certified Retirement Counselor, breaks down the 10 most important facts about the 10-year rule for inherited IRAs. Learn who this rule affects, the key tax implications, and how to strategically navigate RMDs as a beneficiary.Cortburg Retirement Advisors is a boutique financial planning firm committed to helping you grow, protect, and preserve your assets from your first job to retirement. We specialize in wealth management, estate and tax planning, group retirement, employee benefits, insurance, and retirement planning to navigate any economic climate.Miguel Gonzalez, a Retirement Specialist with 20+ years of experience, offers expertise in retirement income planning, investment management, and retirement plan design. With an MBA from Columbia Business School, and professional experience with JP Morgan Chase, Merrill Lynch, and more, Miguel is a trusted advisor for his clients.#InheritedIRA #10YearRule #RMDRules #RetirementPlanning #SECUREAct #FinancialPlanning #WealthManagement #IRAWithdrawals #NonSpouseBeneficiaries #TaxPlanning #RothIRA #IRARules #RetirementTaxTips #RequiredMinimumDistribution #RetirementAccounts #RetirementAdvisor #FinancialPodcast #CortburgRetirement #MiguelGonzalezCRC #RetirementEducationWelcome to Cortburg Speaks Retirement Podcast with Miguel Gonzalez, MBA, AIF®, CPFA®, CRC® CLICK HERE TO LISTEN TO MIGUEL'S LATEST PODCAST FOLLOW US ON: YouTube->https://m.youtube.com/c/CORTBURGRETIREMENTADVISORS Facebook-> https://m.facebook.com/CortburgInc Twitter-> https://twitter.com/CortburgInc LinkedIn->https://www.linkedin.com/in/miguelxgonzalez/ Website: www.CortburgRetirement.com Email: Miguel@CortburgRetirement.com

Have you ever wondered how the physical act of speaking can improve your communication? Kevin sits down with Michael Chad Hoeppner to discuss the physical nature of communication and exercises we can do to get better. Michael challenges our common assumptions about speaking, such as believing it's purely a mental activity. Instead, he introduces the concept of embodied cognition, explaining how communication is a physical activity involving over 100 muscles and should be approached like athletic training. Michael shares the science behind thought suppression and why focusing on "not saying um" is counterproductive. He also talks about the Five Ps of vocal variety (Pace, Pitch, Pause, Power, Placement) and how they impact your message. Listen For 00:00 Introduction and Episode Overview 02:00 Meet Michael Hoeppner 04:00 The Journey to Communication Coaching 08:00 The Physical Side of Communication 12:00 Why Thought Suppression Doesn't Work 16:00 Tips for Reducing Filler Words 20:00 Exercises for Clear Communication 24:00 The Five P's of Vocal Variety 28:00 Managing Nerves When Speaking 32:00 Final Thoughts and Book Information 35:00 Closing Remarks Michael's Story: Michael Chad Hoeppner is the author of Don't Say Um: How to Communicate Effectively to Live a Better Life. He is an adjunct professor at Columbia Business School and the CEO and president of GK Training, a firm dedicated to giving individuals, companies, and organizations the communication skills necessary to reach their highest goals in work and life. As an individual speaking coach, his clients include Andrew Yang, Swiss Re, Xerox, The Boston Consulting Group, Pfizer, Columbia University Business School, NYU Law School, Macy's, Special Olympics chairman Tim Shriver, and others. His expertise lies in every aspect of communication: public speaking, business development, executive presence, interpersonal agility, email skills, and speech writing. Hoeppner is one among the growing chorus of voices identifying the link between the physical aspects of spoken communication and broader issues of health and wellness. https://dontsayum.com/ https://www.linkedin.com/in/michaelchadhoeppner/ http://www.gktraining.com/ This Episode is brought to you by... Flexible Leadership is every leader's guide to greater success in a world of increasing complexity and chaos.  Book Recommendations Don't Say Um: How to Communicate Effectively to Live a Better Life by Michael Chad Hoeppner Moby Dick by Herman Melville  Like this? Mastering the Art of Public Speaking with John Bowe Join Our Community If you want to view our live podcast episodes, hear about new releases, or chat with others who enjoy this podcast join one of our communities below. Join the Facebook Group Join the LinkedIn Group   Leave a Review If you liked this conversation, we'd be thrilled if you'd let others know by leaving a review on Apple Podcasts. Here's a quick guide for posting a review. Review on Apple: https://remarkablepodcast.com/itunes    Podcast Better! Sign up with Libsyn and get up to 2 months free! Use promo code: RLP  

Send us a text✨ Updated April 1, 2025What do Tickle Me Elmo, bourbon, and Taylor Swift tickets have in common? Scarcity. And in the world of marketing, it's one of the most powerful forces you can harness.This week, we're throwing it back to one of our most insightful interviews — a conversation with Dr. Mindy Weinstein, Founder and CEO of Market MindShift, marketing professor at Grand Canyon University, Columbia Business School, and Wharton, and author of The Power of Scarcity.We dig into:The psychology behind scarcity and why it drives us to act nowThe four types of scarcity (you'll want to write these down!)How top brands — and yes, bourbon sellers — use scarcity to spark actionWhy "reaching humans" in digital marketing is more nuanced than everHow you can ethically and effectively use scarcity to boost business results

Send us a text✨ Updated April 1, 2025What do Tickle Me Elmo, bourbon, and Taylor Swift tickets have in common? Scarcity. And in the world of marketing, it's one of the most powerful forces you can harness.This week, we're throwing it back to one of our most insightful interviews — a conversation with Dr. Mindy Weinstein, Founder and CEO of Market MindShift, marketing professor at Grand Canyon University, Columbia Business School, and Wharton, and author of The Power of Scarcity.We dig into:The psychology behind scarcity and why it drives us to act nowThe four types of scarcity (you'll want to write these down!)How top brands — and yes, bourbon sellers — use scarcity to spark actionWhy "reaching humans" in digital marketing is more nuanced than everHow you can ethically and effectively use scarcity to boost business results

Nabeel is a Senior Product Manager at Amazon, as well as being a startup mentor, and a guest lecturer at Columbia Business School. In this episode, we get to see the Bengali side of Nabeel, as well as his career journey being a product manager.

Dr. Hitendra Wadhwa is a professor at Columbia Business School, Founder of the Mentora Institute, and a highly respected coach for Fortune 100 C-suite executives. His course on Personal Leadership & Success is one of the most popular at Columbia Business School. His latest book, Inner Mastery, Outer Impact, is available this week wherever books are sold. In this classic episode, Dr. Wadhwa joined Robert Glazer on the Elevate Podcast to talk about his leadership career, how to harness intrinsic motivation, and much more. Learn more about your ad choices. Visit megaphone.fm/adchoices

Dr. Adam Galinsky, a celebrated social psychologist, professor at Columbia Business School, a world-renowned expert in leadership and negotiation, bestselling author, and speaker joins me on this episode. Adam is known for his research on leadership, decision-making, teams, and ethics. He's been featured in Forbes, The New Yorker, Fast Company, GQ, The New York Times, Harvard Business Review, and other notable media outlets.

Financial stress can feel overwhelming, but finding your financial zen is possible! In this episode, Miguel Gonzalez, CRC®, shares simple yet effective strategies to create balance in your finances—helping you budget smarter, save wisely, and invest in a stress-free future.Cortburg Retirement Advisors is a boutique financial planning firm committed to helping you grow, protect, and preserve your assets from your first job to retirement. We specialize in wealth management, estate and tax planning, group retirement, employee benefits, insurance, and retirement planning to navigate any economic climate.Miguel Gonzalez, a Retirement Specialist with 20+ years of experience, offers expertise in retirement income planning, investment management, and retirement plan design. With an MBA from Columbia Business School, and professional experience with JP Morgan Chase, Merrill Lynch, and more, Miguel is a trusted advisor for his clients.#RetirementPlanning #FinancialZen #MoneyMindset #WealthManagement #RetirementGoals #SmartInvesting #MoneyMatters #FinancialFreedom #SavingsPlan #BudgetingTips #DebtFreeJourney #MoneyTips #FinancialSuccess #WealthBuilding #PersonalFinance #MoneyManagement #SmartMoneyMoves #401kPlanning #EmergencyFund #InvestSmartWelcome to Cortburg Speaks Retirement Podcast with Miguel Gonzalez, MBA, AIF®, CPFA®, CRC® CLICK HERE TO LISTEN TO MIGUEL'S LATEST PODCAST FOLLOW US ON: YouTube->https://m.youtube.com/c/CORTBURGRETIREMENTADVISORS Facebook-> https://m.facebook.com/CortburgInc Twitter-> https://twitter.com/CortburgInc LinkedIn->https://www.linkedin.com/in/miguelxgonzalez/ Website: www.CortburgRetirement.com Email: Miguel@CortburgRetirement.com

The quirky little grocery chain with California roots and German ownership has a lot to teach all of us about choice architecture, efficiency, frugality, collaboration, and team spirit. SOURCES:Kirk DesErmia, facilities manager in Seward, Alaska.Mark Gardiner, journalist and author.Sheena Iyengar, professor of business at Columbia Business School.Michael Roberto, professor of management at Bryant University. RESOURCES:“Trader Joe's,” David Ager and Michael Roberto (Harvard Business School Case, 2014).“What Brands Are Actually Behind Trader Joe's Snacks?,” Vince Dixon (Eater, 2017).Build a Brand Like Trader Joe's by Mark Gardiner (2012).“When Choice is Demotivating: Can One Desire Too Much of a Good Thing?,” Sheena Iyengar and Mark Lepper (Journal of Personality and Social Psychology, 2000).Unlocking Creativity, by Michael Roberto (2019). EXTRAS:“How Can This Possibly Be True?,” by Freakonomics Radio (2016).“How to Save $1 Billion Without Even Trying,” by Freakonomics Radio (2016).

What does it take to really energize people and motivate them toward a goal?  Inspirational leadership might seem idiosyncratic and hard to quantify, but, according to Adam Galinsky, professor at Columbia Business School, it involves three key elements: having a vision, setting an example, and mentoring. His research shows this is true across industries and geographies, and he offers advice on how to improve in each area. He's author of the book Inspire: The Universal Path for Leading Yourself and Others as well as the HBR article “What Sets Inspirational Leaders Apart”.