Podcasts about disclaimer before

In the weekly Global Economic and Markets Research podcast, Stephen Halmarick, Chief Economist joins Belinda Allen, Senior Economist. They recap the stronger than expected May CPI Indicator and what it means for the Reserve Bank of Australia. Stephen has just returned from the US and shares his thoughts on the US economy, politics ahead of the US election in November as well as industry policy, climate change and US China relations.   ------ DISCLAIMER ------ Before listening to this podcast, you are advised to read the full Global Economic & Markets Research (GEMR) disclaimers which can be found at www.commbankresearch.com.au. Information in this podcast is of a general nature only. It does not take into account your objectives, financial situation or needs and does not constitute personal financial advice. This podcast provides general market-related information, and is not investment research and nor does it purport to make any recommendations. The information contained in this podcast is approved and distributed by Global Economic & Markets Research (GEMR), a business division of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (“the Bank”). The information is solely for informational purposes and is not to be construed as a solicitation or an offer to buy or sell any securities or other financial products. It does not constitute a personal recommendation or take into account the particular investment objectives, financial situations, or needs of individual clients. Where ‘CBA data' is cited, this refers to the Bank proprietary data that is sourced from the Bank's internal systems and may include, but not be limited to, home loan data, credit card transaction data, merchant facility transaction data and applications for credit. As analysis is based on CBA customer transactions,  it may not reflect all trends in the market. All customer data used or represented in this podcast is anonymised before analysis and is used, and disclosed, in accordance with the Group's Privacy Policy Statement. The Bank believes that the information in this podcast is correct and any opinions, conclusions or recommendations are reasonably held based on the information available at the time of its compilation but no representation or warranty, either expressed or implied, is made or provided as to accuracy, reliability or completeness of any statement made.  

Whilst electricity prices look to have settled in the coming 2024/25 financial year, further electricity rises look to be a credible risk.  However, there are several options available for small businesses to reduce their exposure to volatile electricity prices.  To discuss these options, John Oh, Sustainable Economist and Dennis Voznesenski, Agricultural and Sustainable Economist, sit down to discuss the findings of CBA's latest research note.    ------ DISCLAIMER ------ Before listening to this podcast, you are advised to read the full Global Economic & Markets Research (GEMR) disclaimers which can be found at www.commbankresearch.com.au. Information in this podcast is of a general nature only. It does not take into account your objectives, financial situation or needs and does not constitute personal financial advice. This podcast provides general market-related information, and is not investment research and nor does it purport to make any recommendations. The information contained in this podcast is approved and distributed by Global Economic & Markets Research (GEMR), a business division of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (“the Bank”). The information is solely for informational purposes and is not to be construed as a solicitation or an offer to buy or sell any securities or other financial products. It does not constitute a personal recommendation or take into account the particular investment objectives, financial situations, or needs of individual clients. Where ‘CBA data' is cited, this refers to the Bank proprietary data that is sourced from the Bank's internal systems and may include, but not be limited to, home loan data, credit card transaction data, merchant facility transaction data and applications for credit. As analysis is based on CBA customer transactions,  it may not reflect all trends in the market. All customer data used or represented in this podcast is anonymised before analysis and is used, and disclosed, in accordance with the Group's Privacy Policy Statement. The Bank believes that the information in this podcast is correct and any opinions, conclusions or recommendations are reasonably held based on the information available at the time of its compilation but no representation or warranty, either expressed or implied, is made or provided as to accuracy, reliability or completeness of any statement made

In this podcast, Economist Stephen Wu and Head of Australian Economics Gareth Aird sit down to discuss last week's RBA Board meeting and the upcoming inflation data. Despite some tweaks to the post-meeting Statement, the RBA's messaging remains the same: they are data dependent and will wait and see what the inflation data says. The CPI indicator out later this week will inform forecasts for the all-important June quarter CPI.   ------ DISCLAIMER ------ Before listening to this podcast, you are advised to read the full Global Economic & Markets Research (GEMR) disclaimers which can be found at www.commbankresearch.com.au. Information in this podcast is of a general nature only. It does not take into account your objectives, financial situation or needs and does not constitute personal financial advice. This podcast provides general market-related information, and is not investment research and nor does it purport to make any recommendations. The information contained in this podcast is approved and distributed by Global Economic & Markets Research (GEMR), a business division of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (“the Bank”). The information is solely for informational purposes and is not to be construed as a solicitation or an offer to buy or sell any securities or other financial products. It does not constitute a personal recommendation or take into account the particular investment objectives, financial situations, or needs of individual clients. Where ‘CBA data' is cited, this refers to the Bank proprietary data that is sourced from the Bank's internal systems and may include, but not be limited to, home loan data, credit card transaction data, merchant facility transaction data and applications for credit. As analysis is based on CBA customer transactions,  it may not reflect all trends in the market. All customer data used or represented in this podcast is anonymised before analysis and is used, and disclosed, in accordance with the Group's Privacy Policy Statement. The Bank believes that the information in this podcast is correct and any opinions, conclusions or recommendations are reasonably held based on the information available at the time of its compilation but no representation or warranty, either expressed or implied, is made or provided as to accuracy, reliability or completeness of any statement made.  

This episode of the SecurityMetrics Podcast is a valuable resource for MSPs who want to learn more about HIPAA compliance and how to better serve their healthcare clients. Join Jen Stone and David Sims to learn more about how Managed Service Providers (MSPs) can empower healthcare organizations to achieve HIPAA compliance.Learn about:The challenges of data discovery and data sprawl in healthcare organizations.The importance of having a documented HIPAA compliance program.The difference between required and addressable HIPAA controls.Choosing the right MSP for your healthcare organizationHow to successfully collaborate with HIPAA compliance officers within healthcare organizations.Why HIPAA Compliance goes beyond a BAABonus Resources:David Sims and Donna Grindle's Podcast: Help Me With HIPAA (@Helpmewithhipaa) https://helpmewithhipaa.com/HIPAA for MSPs: https://www.hipaaformsps.com/American Institute of Healthcare Compliance (AIHC): https://aihc-assn.org/SM Podcast Episodes with Donna Grindle:HHS 405(d) Fundamentals: A Guide for Healthcare Providers and MSPs | SecurityMetrics Podcast 92HIPAA Basics: Where to Start with Practices and Training | SecurityMetrics Podcast 63HHS 405(d) - What You Need To Know | SecurityMetrics Podcast 45Business Continuity during Healthcare Crisis | SecurityMetrics Podcast 6Hosted by Jen Stone, Principal Security Analyst (MCIS, CISSP, CISA, QSA).[Disclaimer] Before implementing any policies or procedures you hear about on this or any other episodes, make sure to talk to your legal department, IT department, and any other department assisting with your data security and compliance efforts.

In this post-run meditation, you'll be guided through a body awareness check-in and then focus on your heart center. This is a great way to cool down, tap into your personal power, and maintain your energy after a run.Written and narrated by Jayme Allen.Disclaimer: Before beginning any new exercise program, including the activities and exercises suggested in the Creative Meditations podcast, it is important to consult with your physician or other qualified health professional. This is especially crucial if you have any pre-existing health conditions, injuries, or if you are pregnant. The information provided in this podcast is intended for general informational and educational purposes only. It should not be considered as medical advice or as a substitute for medical advice, diagnosis, or treatment. Always seek the advice of your physician or other qualified health professional with any questions you may have regarding your health or a medical condition. Never disregard professional medical advice or delay in seeking it because of something you have heard on a podcast. Send Jayme a Text Message!Enjoy Creative Meditations by Jayme Allen / Mood Body Studio on YouTube! - LINK TO YOUTUBE MEDITATIONS

In this podcast, Harry Ottley (Economist) and Belinda Allen (Senior Economist) from the Aussie economics team review last week's May labour force survey and preview the June RBA Board meeting. Last week, the unemployment rate fell to 4.0% in the last major economic data release before this week's RBA Board meeting. Despite the fall in the unemployment rate, the labour market is broadly evolving as the RBA had forecast. This is also true of the activity side of the economy and so we expect the RBA will leave the cash rate on hold at 4.35% in a straight-forward decision.   ------ DISCLAIMER ------   Before listening to this podcast, you are advised to read the full Global Economic & Markets Research (GEMR) disclaimers which can be found at www.commbankresearch.com.au. Information in this podcast is of a general nature only. It does not take into account your objectives, financial situation or needs and does not constitute personal financial advice. This podcast provides general market-related information, and is not investment research and nor does it purport to make any recommendations. The information contained in this podcast is approved and distributed by Global Economic & Markets Research (GEMR), a business division of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (“the Bank”). The information is solely for informational purposes and is not to be construed as a solicitation or an offer to buy or sell any securities or other financial products. It does not constitute a personal recommendation or take into account the particular investment objectives, financial situations, or needs of individual clients. Where ‘CBA data' is cited, this refers to the Bank proprietary data that is sourced from the Bank's internal systems and may include, but not be limited to, home loan data, credit card transaction data, merchant facility transaction data and applications for credit. As analysis is based on CBA customer transactions,  it may not reflect all trends in the market. All customer data used or represented in this podcast is anonymised before analysis and is used, and disclosed, in accordance with the Group's Privacy Policy Statement. The Bank believes that the information in this podcast is correct and any opinions, conclusions or recommendations are reasonably held based on the information available at the time of its compilation but no representation or warranty, either expressed or implied, is made or provided as to accuracy, reliability or completeness of any statement made.

The CommBank Household Spending Insights (HSI) rose by 1.1%/mth in May in what has been a choppy few months for the index.  Annual growth now sits at 4.3%/yr. In this podcast, Belinda Allen, Senior Economist, and Harry Ottley Economist discuss the results from May and how looking through the volatility in recent months paints a subdued environment for the consumer. Circuit breakers start 1 July through income tax cuts and cost of living assistance by Federal and state governments. Harry and Belinda also discuss how consumers may respond and what this means for the outlook for interest rates.   ------ DISCLAIMER ------ Before listening to this podcast, you are advised to read the full Global Economic & Markets Research (GEMR) disclaimers, which can be found at www.commbankresearch.com.au. Information in this podcast is of a general nature only. It does not take into account your objectives, financial situation or needs and does not constitute personal financial advice. This podcast provides general market-related information, and is not investment research and nor does it purport to make any recommendations. The information contained in this podcast is approved and distributed by Global Economic & Markets Research (GEMR), a business division of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (“the Bank”). The information is solely for informational purposes and is not to be construed as a solicitation or an offer to buy or sell any securities or other financial products. It does not constitute a personal recommendation or take into account the particular investment objectives, financial situations, or needs of individual clients. Where ‘CBA data' is cited, this refers to the Bank proprietary data that is sourced from the Bank's internal systems and may include, but not be limited to, home loan data, credit card transaction data, merchant facility transaction data and applications for credit. The data used in the ‘Commonwealth Bank Household Spending Intentions' series is a combination of the CBA Data and publically available ABS, CoreLogic and RBA data. As analysis is based on CBA customer transactions,  it may not reflect all trends in the market. All customer data used or represented in this podcast is anonymised before analysis and is used, and disclosed, in accordance with the Bank's Privacy Policy. The Bank believes that the information in this podcast is correct and any opinions, conclusions or recommendations made are reasonably held and are based on the information available at the time of its compilation. The Bank makes no representation or warranty, either expressed or implied, as to the accuracy, reliability or completeness of any statement made.

In this weeks podcast, Economist Harry Ottley and Head of Australian Economics, Gareth Aird break down the soft Q1 24 GDP figures from last week and preview the critical May labour force survey that is due on Thursday.     ------ DISCLAIMER ------ Before listening to this podcast, you are advised to read the full Global Economic & Markets Research (GEMR) disclaimers which can be found at www.commbankresearch.com.au. Information in this podcast is of a general nature only. It does not take into account your objectives, financial situation or needs and does not constitute personal financial advice. This podcast provides general market-related information, and is not investment research and nor does it purport to make any recommendations. The information contained in this podcast is approved and distributed by Global Economic & Markets Research (GEMR), a business division of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (“the Bank”). The information is solely for informational purposes and is not to be construed as a solicitation or an offer to buy or sell any securities or other financial products. It does not constitute a personal recommendation or take into account the particular investment objectives, financial situations, or needs of individual clients. Where ‘CBA data' is cited, this refers to the Bank proprietary data that is sourced from the Bank's internal systems and may include, but not be limited to, home loan data, credit card transaction data, merchant facility transaction data and applications for credit. As analysis is based on CBA customer transactions,  it may not reflect all trends in the market. All customer data used or represented in this podcast is anonymised before analysis and is used, and disclosed, in accordance with the Group's Privacy Policy Statement. The Bank believes that the information in this podcast is correct and any opinions, conclusions or recommendations are reasonably held based on the information available at the time of its compilation but no representation or warranty, either expressed or implied, is made or provided as to accuracy, reliability or completeness of any statement made.

The Australian economic data flow over the past week has highlighted three key themes. Soft retail sales data reinforced a weak household sector. A stronger than expected monthly CPI print led to questions over the stickiness of inflation. While capex data reinforced the positive contribution that investment is making in the economy. In this podcast Belinda Allen, Senior Economist and Stephen Wu, Economist dive into the latest data prints and what it means for the RBA. A preview of the Q1 24 GDP print is also included.   ------ DISCLAIMER ------ Before listening to this podcast, you are advised to read the full Global Economic & Markets Research (GEMR) disclaimers which can be found at www.commbankresearch.com.au. Information in this podcast is of a general nature only. It does not take into account your objectives, financial situation or needs and does not constitute personal financial advice. This podcast provides general market-related information, and is not investment research and nor does it purport to make any recommendations. The information contained in this podcast is approved and distributed by Global Economic & Markets Research (GEMR), a business division of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (“the Bank”). The information is solely for informational purposes and is not to be construed as a solicitation or an offer to buy or sell any securities or other financial products. It does not constitute a personal recommendation or take into account the particular investment objectives, financial situations, or needs of individual clients. Where ‘CBA data' is cited, this refers to the Bank proprietary data that is sourced from the Bank's internal systems and may include, but not be limited to, home loan data, credit card transaction data, merchant facility transaction data and applications for credit. As analysis is based on CBA customer transactions,  it may not reflect all trends in the market. All customer data used or represented in this podcast is anonymised before analysis and is used, and disclosed, in accordance with the Group's Privacy Policy Statement. The Bank believes that the information in this podcast is correct and any opinions, conclusions or recommendations are reasonably held based on the information available at the time of its compilation but no representation or warranty, either expressed or implied, is made or provided as to accuracy, reliability or completeness of any statement made.  

In this Podcast, Economists Harry Ottley and Stephen Wu and Senior Economist, Belinda Allen discuss last week's RBA Minutes and consumer sentiment data and preview a busy week ahead. The data flow this week is headlined by the April monthly CPI indicator and retail trade figures.   ------ DISCLAIMER ------ Before listening to this podcast, you are advised to read the full Global Economic & Markets Research (GEMR) disclaimers which can be found at www.commbankresearch.com.au. Information in this podcast is of a general nature only. It does not take into account your objectives, financial situation or needs and does not constitute personal financial advice. This podcast provides general market-related information, and is not investment research and nor does it purport to make any recommendations. The information contained in this podcast is approved and distributed by Global Economic & Markets Research (GEMR), a business division of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (“the Bank”). The information is solely for informational purposes and is not to be construed as a solicitation or an offer to buy or sell any securities or other financial products. It does not constitute a personal recommendation or take into account the particular investment objectives, financial situations, or needs of individual clients. Where ‘CBA data' is cited, this refers to the Bank proprietary data that is sourced from the Bank's internal systems and may include, but not be limited to, home loan data, credit card transaction data, merchant facility transaction data and applications for credit. As analysis is based on CBA customer transactions,  it may not reflect all trends in the market. All customer data used or represented in this podcast is anonymised before analysis and is used, and disclosed, in accordance with the Group's Privacy Policy Statement. The Bank believes that the information in this podcast is correct and any opinions, conclusions or recommendations are reasonably held based on the information available at the time of its compilation but no representation or warranty, either expressed or implied, is made or provided as to accuracy, reliability or completeness of any statement made.  

Last week was action packed for the Aussie economy. In this week's podcast, Economists Stephen Wu and Harry Ottley sit down to break it all down. They discuss the major takeaways from the 2024/25 Federal Budget and review the softer data on wages and the labour market from last week. They then briefly preview a much quieter upcoming week with the RBA minutes the highlight. Data on consumer sentiment and the local PMI's are also due.   ------ DISCLAIMER ------ Before listening to this podcast, you are advised to read the full Global Economic & Markets Research (GEMR) disclaimers which can be found at www.commbankresearch.com.au. Information in this podcast is of a general nature only. It does not take into account your objectives, financial situation or needs and does not constitute personal financial advice. This podcast provides general market-related information, and is not investment research and nor does it purport to make any recommendations. The information contained in this podcast is approved and distributed by Global Economic & Markets Research (GEMR), a business division of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (“the Bank”). The information is solely for informational purposes and is not to be construed as a solicitation or an offer to buy or sell any securities or other financial products. It does not constitute a personal recommendation or take into account the particular investment objectives, financial situations, or needs of individual clients. Where ‘CBA data' is cited, this refers to the Bank proprietary data that is sourced from the Bank's internal systems and may include, but not be limited to, home loan data, credit card transaction data, merchant facility transaction data and applications for credit. As analysis is based on CBA customer transactions,  it may not reflect all trends in the market. All customer data used or represented in this podcast is anonymised before analysis and is used, and disclosed, in accordance with the Group's Privacy Policy Statement. The Bank believes that the information in this podcast is correct and any opinions, conclusions or recommendations are reasonably held based on the information available at the time of its compilation but no representation or warranty, either expressed or implied, is made or provided as to accuracy, reliability or completeness of any statement made.

The 2024/25 Federal Budget was handed down on 14 May 2024. After two consecutive surpluses, a larger than expected profile of budget deficits are forecast for 2024/25 and the years ahead as the Federal government lifts spending on new initiatives while previous revenue gains from a stronger than anticipated economy dry up. In the podcast Belinda Allen, Senior Economist and Stephen Halmarick, Chief Economist discuss the fiscal outlook and what is means for the Reserve Bank of Australia. An overview of key policies and the economic forecasts are also discussed.   ------ DISCLAIMER ------ Before listening to this podcast, you are advised to read the full Global Economic & Markets Research (GEMR) disclaimers which can be found at www.commbankresearch.com.au. Information in this podcast is of a general nature only. It does not take into account your objectives, financial situation or needs and does not constitute personal financial advice. This podcast provides general market-related information, and is not investment research and nor does it purport to make any recommendations. The information contained in this podcast is approved and distributed by Global Economic & Markets Research (GEMR), a business division of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (“the Bank”). The information is solely for informational purposes and is not to be construed as a solicitation or an offer to buy or sell any securities or other financial products. It does not constitute a personal recommendation or take into account the particular investment objectives, financial situations, or needs of individual clients. Where ‘CBA data' is cited, this refers to the Bank proprietary data that is sourced from the Bank's internal systems and may include, but not be limited to, home loan data, credit card transaction data, merchant facility transaction data and applications for credit. As analysis is based on CBA customer transactions,  it may not reflect all trends in the market. All customer data used or represented in this podcast is anonymised before analysis and is used, and disclosed, in accordance with the Group's Privacy Policy Statement. The Bank believes that the information in this podcast is correct and any opinions, conclusions or recommendations are reasonably held based on the information available at the time of its compilation but no representation or warranty, either expressed or implied, is made or provided as to accuracy, reliability or completeness of any statement made.

The CommBank Household Spending Insights (HSI) fell by 1% in April and annual growth also softened, down to just 2.6%, from 3.9%/yr in March. In this podcast, Belinda Allen, Senior Economist, and Stephen Halmarick, Chief Economist discuss the April results and the new additions to the HSI this month. For April, Food & beverage goods, Hospitality, Recreation and Transport all recorded falls. While Education, Utilities, Motor vehicle and Insurance recorded gains. From this month, a subset of the HSI data is used to breakdown spending by home ownership status; owner out rights, home owner with a mortgage and renters. We also introduce the HSI on per capita terms given the strong population growth in Australia.   ------ DISCLAIMER ------ Before listening to this podcast, you are advised to read the full Global Economic & Markets Research (GEMR) disclaimers, which can be found at www.commbankresearch.com.au. Information in this podcast is of a general nature only. It does not take into account your objectives, financial situation or needs and does not constitute personal financial advice. This podcast provides general market-related information, and is not investment research and nor does it purport to make any recommendations. The information contained in this podcast is approved and distributed by Global Economic & Markets Research (GEMR), a business division of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (“the Bank”). The information is solely for informational purposes and is not to be construed as a solicitation or an offer to buy or sell any securities or other financial products. It does not constitute a personal recommendation or take into account the particular investment objectives, financial situations, or needs of individual clients. Where ‘CBA data' is cited, this refers to the Bank proprietary data that is sourced from the Bank's internal systems and may include, but not be limited to, home loan data, credit card transaction data, merchant facility transaction data and applications for credit. The data used in the ‘Commonwealth Bank Household Spending Intentions' series is a combination of the CBA Data and publically available ABS, CoreLogic and RBA data. As analysis is based on CBA customer transactions,  it may not reflect all trends in the market. All customer data used or represented in this podcast is anonymised before analysis and is used, and disclosed, in accordance with the Bank's Privacy Policy. The Bank believes that the information in this podcast is correct and any opinions, conclusions or recommendations made are reasonably held and are based on the information available at the time of its compilation. The Bank makes no representation or warranty, either expressed or implied, as to the accuracy, reliability or completeness of any statement made.

In this podcast, Senior Economist Belinda Allen sits down with Economist Stephen Wu to discuss a busy last week for the Australian economy and financial markets. They cover last week's May RBA Board Meeting and the fall in retail trade volumes. They also preview an important week ahead with wages and labour force data due, and the 2024/25 Federal Budget on Tuesday night.   ------ DISCLAIMER ------ Before listening to this podcast, you are advised to read the full Global Economic & Markets Research (GEMR) disclaimers which can be found at www.commbankresearch.com.au. Information in this podcast is of a general nature only. It does not take into account your objectives, financial situation or needs and does not constitute personal financial advice. This podcast provides general market-related information, and is not investment research and nor does it purport to make any recommendations. The information contained in this podcast is approved and distributed by Global Economic & Markets Research (GEMR), a business division of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (“the Bank”). The information is solely for informational purposes and is not to be construed as a solicitation or an offer to buy or sell any securities or other financial products. It does not constitute a personal recommendation or take into account the particular investment objectives, financial situations, or needs of individual clients. Where ‘CBA data' is cited, this refers to the Bank proprietary data that is sourced from the Bank's internal systems and may include, but not be limited to, home loan data, credit card transaction data, merchant facility transaction data and applications for credit. As analysis is based on CBA customer transactions,  it may not reflect all trends in the market. All customer data used or represented in this podcast is anonymised before analysis and is used, and disclosed, in accordance with the Group's Privacy Policy Statement. The Bank believes that the information in this podcast is correct and any opinions, conclusions or recommendations are reasonably held based on the information available at the time of its compilation but no representation or warranty, either expressed or implied, is made or provided as to accuracy, reliability or completeness of any statement made.

Disclaimer: Before proceeding with this podcast episode, we want to provide a trigger warning. The following content may be sensitive and could potentially trigger adverse reactions in individuals who have experienced or are currently experiencing similar situations. We advise discretion and encourage self-care. This episode discusses topics such as suicide, depression, and grief. We delve into personal experiences and challenges related to these issues, aiming to provide insight and support to our listeners. However, if you feel that these topics may be distressing or triggering for you, we recommend refraining from listening to this episode. If you find yourself in need of additional support after listening to this episode, please remember that help is available. You can reach out to the National Suicide Prevention Lifeline at 1-800-273-TALK (8255) or call 988. Trained counselors are available 24/7 to provide confidential support and guidance. Additionally, if you or someone you know is experiencing a mental health crisis or emergency, please call 911 or seek immediate medical intervention. Please note that while we strive to provide informative and supportive content, The Motherhood Village will not be held legally responsible for any effects that may occur because of watching or listening to our podcast episodes. We encourage self-awareness and self-care and urge listeners to prioritize their mental health and well-being. Eaton Financial Group's motto is to live well, work hard and give generously. The firm specializes in helping women who handle household financial planning by acting in a fiduciary capacity – meaning your best interests are their first priority. For a relaxed and no-obligation cup of coffee and transparent information about creating a financial portfolio – live or virtually – visit eatonfinancialgroup.com to set an appointment. Tell them The Motherhood Village sent you.  Connect with resources and learn more about joining The Motherhood Village community as a member!  In this episode of the Motherhood Village podcast, Nicole speaks with special guest Heather Palacios, the founder of WONDHERFUL , INC, a 501(c)(3) nonprofit organization dedicated to preventing suicides and supporting individuals through mental health crises.  Heather shares her deeply personal journey of battling suicidal thoughts from the age of eight, into adulthood, and how this experience led her to create Wondherful. The organization sends out 'life boxes' to those in need, containing essentials and extras to remind people of their worth, encourage them to seek help and choose life. She emphasizes the importance of believing children when they express feelings of despair, addressing mental health issues directly, and the vital role of faith and resilience in her ongoing recovery.  We also touch upon how to foster conversations around mental health within families and the significance of support systems, education, and proactive measures in both personal recovery and aiding others. We talk about: 0:00 Introduction and Guest Background 0:38 Book recommendation 2:19 Her history with suicidal ideation 5:30 Creating Wondherful as a non-profit 8:37 The purpose of the Life Boxes and examples of different kinds they send out 16:01 How her faith played a role in her journey to recovery and efforts to support others also in a mental health crisis 19:12 Is there something her parents could have done differently when she were 8 to help her? 23:46 The framework that helped her communicate with her little ones into tweens + teens 29:10 The role schools, workplaces, etc. have in addressing mental health challenges 32:57 How she maintains her own mental health while helping others Resources Oh The Places You'll Go by Dr. Seuss Connect with Heather Twitter: https://twitter.com/wondherful?lang=en Instagram: https://www.instagram.com/wondherful/?hl=en Facebook: https://www.facebook.com/Wondherful/?fref=nf LinkedIn: https://www.linkedin.com/company/wondherful/ https://wondherful.com/ Connect with Nicole  Instagram: https://www.instagram.com/the.motherhood.village1/ Facebook: https://www.facebook.com/The.Motherhood.Village1 LinkedIn: https://www.linkedin.com/in/nicolegcumberbatch/ https://www.themotherhoodvillage.com/ YouTube: https://www.youtube.com/channel/UCNzy4b2WHCxvP1k8lL0dvIA 

Introduction to mandatory climate reporting in Australia could mean large businesses would need to estimate and report scope 3 emissions.  What are scope 3 emissions? And how do they differ by industry? To answer these questions, John Oh, Sustainable Economist and Joseph Capurso, Head of International and Sustainable Economics sit down to discuss their latest note ‘A guidebook to finding hot spots in Scope 3 greenhouse gas emissions'.   ------ DISCLAIMER ------ Before listening to this podcast, you are advised to read the full Global Economic & Markets Research (GEMR) disclaimers which can be found at www.commbankresearch.com.au. Information in this podcast is of a general nature only. It does not take into account your objectives, financial situation or needs and does not constitute personal financial advice. This podcast provides general market-related information, and is not investment research and nor does it purport to make any recommendations. The information contained in this podcast is approved and distributed by Global Economic & Markets Research (GEMR), a business division of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (“the Bank”). The information is solely for informational purposes and is not to be construed as a solicitation or an offer to buy or sell any securities or other financial products. It does not constitute a personal recommendation or take into account the particular investment objectives, financial situations, or needs of individual clients. Where ‘CBA data' is cited, this refers to the Bank proprietary data that is sourced from the Bank's internal systems and may include, but not be limited to, home loan data, credit card transaction data, merchant facility transaction data and applications for credit. As analysis is based on CBA customer transactions,  it may not reflect all trends in the market. All customer data used or represented in this podcast is anonymised before analysis and is used, and disclosed, in accordance with the Group's Privacy Policy Statement. The Bank believes that the information in this podcast is correct and any opinions, conclusions or recommendations are reasonably held based on the information available at the time of its compilation but no representation or warranty, either expressed or implied, is made or provided as to accuracy, reliability or completeness of any statement made.

Media coverage in the past month have highlighted diverging views towards the Government's New Vehicle Efficiency Standard (NVES).  The NVES will, for the first time in Australia's history, set tailpipe emission targets for new light vehicles sold in Australia.  Indeed, the NVES will send a strong signal that Australia will prioritise low-emissions vehicles.  But what are the likely short-term impacts and how does it all work?  To answer these questions, John Oh, Sustainable Economist and Dennis Voznesenski, Agricultural Economist, sit down to discuss the findings of the latest note on the NVES.   ------ DISCLAIMER ------   Before listening to this podcast, you are advised to read the full Global Economic & Markets Research (GEMR) disclaimers which can be found at www.commbankresearch.com.au. Information in this podcast is of a general nature only. It does not take into account your objectives, financial situation or needs and does not constitute personal financial advice. This podcast provides general market-related information, and is not investment research and nor does it purport to make any recommendations. The information contained in this podcast is approved and distributed by Global Economic & Markets Research (GEMR), a business division of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (“the Bank”). The information is solely for informational purposes and is not to be construed as a solicitation or an offer to buy or sell any securities or other financial products. It does not constitute a personal recommendation or take into account the particular investment objectives, financial situations, or needs of individual clients. Where ‘CBA data' is cited, this refers to the Bank proprietary data that is sourced from the Bank's internal systems and may include, but not be limited to, home loan data, credit card transaction data, merchant facility transaction data and applications for credit. As analysis is based on CBA customer transactions,  it may not reflect all trends in the market. All customer data used or represented in this podcast is anonymised before analysis and is used, and disclosed, in accordance with the Group's Privacy Policy Statement. The Bank believes that the information in this podcast is correct and any opinions, conclusions or recommendations are reasonably held based on the information available at the time of its compilation but no representation or warranty, either expressed or implied, is made or provided as to accuracy, reliability or completeness of any statement made.

February 2024 showed further evidence of a slowdown in consumer spending according to the CommBank Household Spending Insights series. A fall of 0.3%/mth occurred in February, with the peak in the index occurring in November 2023. There was evidence of a Taylor Swift, and other musical acts induced lift in spending with parts of Recreation and Hospitality seeing a strong increase. However other essential parts of the spending basket continue to lift, including Utilities and Health. Stephen Halmarick, Chief Economist, and Belinda Allen, Senior Economist discuss the results and touch of the Q4 23 GDP results and outlook for the Reserve Bank of Australia.   ------ DISCLAIMER ------ Before listening to this podcast, you are advised to read the full Global Economic & Markets Research (GEMR) disclaimers, which can be found at www.commbankresearch.com.au. Information in this podcast is of a general nature only. It does not take into account your objectives, financial situation or needs and does not constitute personal financial advice. This podcast provides general market-related information, and is not investment research and nor does it purport to make any recommendations. The information contained in this podcast is approved and distributed by Global Economic & Markets Research (GEMR), a business division of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (“the Bank”). The information is solely for informational purposes and is not to be construed as a solicitation or an offer to buy or sell any securities or other financial products. It does not constitute a personal recommendation or take into account the particular investment objectives, financial situations, or needs of individual clients. Where ‘CBA data' is cited, this refers to the Bank proprietary data that is sourced from the Bank's internal systems and may include, but not be limited to, home loan data, credit card transaction data, merchant facility transaction data and applications for credit. The data used in the ‘Commonwealth Bank Household Spending Intentions' series is a combination of the CBA Data and publically available ABS, CoreLogic and RBA data. As analysis is based on CBA customer transactions,  it may not reflect all trends in the market. All customer data used or represented in this podcast is anonymised before analysis and is used, and disclosed, in accordance with the Bank's Privacy Policy. The Bank believes that the information in this podcast is correct and any opinions, conclusions or recommendations made are reasonably held and are based on the information available at the time of its compilation. The Bank makes no representation or warranty, either expressed or implied, as to the accuracy, reliability or completeness of any statement made.

DISCLAIMER: Before we begin today's episode, we'd like to kindly ask everyone 17 and under to not listen. This episode is full of NSFW content not suitable for minors. We're sorry for the inconvenience, but we will be back next with another episode suitable for all.  Do you all remember a certain chest that Sydney has stored under her bed? Do you remember what that chest was filled with? Well it's been over a year and Sydney has dragged that chest out from its hiding spot and has opened it for all (of age 18 and older). She's dug around, rummaged between items, and pulled out a camcorder. If you are do willing, you may sit down and relax as Sydney pops in the tap she has found inside. Maybe there will be happy home videos... or maybe there will be the nastiest porn you've ever seen between Castiel and Dean Winchester. As always, send us your fic recommendations, or reach out if you are a fic author who would like to be interviewed in the future, at canonicallyincorrectpod@gmail.com Support the author and give them a kudos over on AO3: More Views. More Money. by herbivoredinosaur Thank you to our Patreons, AutumnalRiver and Rillie C., for your continued support! Like us and what we do? Donate to help us do more fun things at ⁠⁠⁠⁠⁠⁠⁠ko-fi.com/canonicallyincorrect⁠⁠⁠⁠⁠⁠⁠ or join our Patreon for bonus episodes, access to our community discord, and a chance to choose what we feature on the show! ⁠⁠⁠⁠⁠⁠⁠Patreon.com/canonicallyincorrect⁠⁠

In our latest podcast Joseph Capurso, Kristina Clifton and Carol Kong from the International and Sustainable Economics team discuss our updated outlook for the major economies and their central banks.  We now predict the FOMC will pull off a ‘soft landing' in the US economy.  Japan, Canada, the Eurozone and the UK will skirt close to recession in 2024.  Meanwhile, China is expected to keep growing by ‘around 5%'.  We expect all central banks under our coverage, with the exception of Japan, to cut interest rates this year.    ------ DISCLAIMER ------ Before listening to this podcast, you are advised to read the full Global Economic & Markets Research (GEMR) disclaimers which can be found at www.commbankresearch.com.au. Information in this podcast is of a general nature only. It does not take into account your objectives, financial situation or needs and does not constitute personal financial advice. This podcast provides general market-related information, and is not investment research and nor does it purport to make any recommendations. The information contained in this podcast is approved and distributed by Global Economic & Markets Research (GEMR), a business division of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (“the Bank”). The information is solely for informational purposes and is not to be construed as a solicitation or an offer to buy or sell any securities or other financial products. It does not constitute a personal recommendation or take into account the particular investment objectives, financial situations, or needs of individual clients. Where ‘CBA data' is cited, this refers to the Bank proprietary data that is sourced from the Bank's internal systems and may include, but not be limited to, home loan data, credit card transaction data, merchant facility transaction data and applications for credit. As analysis is based on CBA customer transactions,  it may not reflect all trends in the market. All customer data used or represented in this podcast is anonymised before analysis and is used, and disclosed, in accordance with the Group's Privacy Policy Statement. The Bank believes that the information in this podcast is correct and any opinions, conclusions or recommendations are reasonably held based on the information available at the time of its compilation but no representation or warranty, either expressed or implied, is made or provided as to accuracy, reliability or completeness of any statement made.  

In our latest podcast the Australian Economics team run through a detailed outlook for the Australian economy over 2024. Gareth Aird, Belinda Allen, Stephen Wu and Harry Ottley discuss GDP, the RBA, inflation, wages, the labour market, home prices, investment and housing construction. We expect GDP growth to run below trend in 2024 and for the unemployment rate to grind higher. Our base case is the first RBA rate cut in September which should support growth and will be a tailwind on home prices later in 2024. Inflation is also expected to cool over the year to be at the top of the RBA's target band by end-2024.   ------ DISCLAIMER ------ Before listening to this podcast, you are advised to read the full Global Economic & Markets Research (GEMR) disclaimers, which can be found at www.commbankresearch.com.au. Information in this podcast is of a general nature only. It does not take into account your objectives, financial situation or needs and does not constitute personal financial advice. This podcast provides general market-related information, and is not investment research and nor does it purport to make any recommendations. The information contained in this report is approved and distributed by Global Economic & Markets Research (GEMR), a business division of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (“the Bank”). The information is solely for informational purposes and is not to be construed as a solicitation or an offer to buy or sell any securities or other financial products. It does not constitute a personal recommendation or take into account the particular investment objectives, financial situations, or needs of individual clients. Where ‘CBA data' is cited, this refers to the Bank proprietary data that is sourced from the Bank's internal systems and may include, but not be limited to, home loan data, credit card transaction data, merchant facility transaction data and applications for credit. The data used in the ‘Commonwealth Bank Household Spending Insights' series is a combination of the CBA Data and publically available ABS, CoreLogic and RBA data. Any reference to the term ‘CBA data' means the proprietary data of the Bank. As the statistics take into account only the Bank's data, it may not reflect all trends in the market. All customer data used or represented is anonymised and aggregated before analysis and is used, and disclosed, in accordance with the Bank's Privacy Policy. The Bank believes that the information in this podcast is correct and any opinions, conclusions or recommendations made are reasonably held and are based on the information available at the time of its compilation. The Bank makes no representation or warranty, either expressed or implied, as to the accuracy, reliability or completeness of any statement made.

This is a seven-minute warm-up meditation to help you prepare for your run. You'll start with a couple minutes of light stretching and grounding, and then you'll be guided through a five-minute walk to help you stay grounded and present. This is a great way to get focused and energized before a run.Written and narrated by Jayme Allen.Disclaimer: Before beginning any new exercise program, including the activities and exercises suggested in the Creative Meditations podcast, it is important to consult with your physician or other qualified health professional. This is especially crucial if you have any pre-existing health conditions, injuries, or if you are pregnant. The information provided in this podcast is intended for general informational and educational purposes only. It should not be considered as medical advice or as a substitute for medical advice, diagnosis, or treatment. Always seek the advice of your physician or other qualified health professional with any questions you may have regarding your health or a medical condition. Never disregard professional medical advice or delay in seeking it because of something you have heard on a podcast. Enjoy Creative Meditations by Jayme Allen / Mood Body Studio on YouTube! - LINK TO YOUTUBE MEDITATIONS

The November edition of the CommBank Household Spending Insights shows a solid lift of 1.8% in seasonally adjusted terms. The impact of Black Friday and Cyber Monday promotional activities can be seen through the data with a lift in the Retail category of 3.5% in the month and a 9.3% lift in Household goods. In our latest podcast, Stephen Halmarick, Chief Economist, and Belinda Allen, Senior Economist discuss the results and other trends evident in the data and how we expect spending to be volatile over this period.   ------ DISCLAIMER ------ Before listening to this podcast, you are advised to read the full Global Economic & Markets Research (GEMR) disclaimers, which can be found at www.commbankresearch.com.au. Information in this podcast is of a general nature only. It does not take into account your objectives, financial situation or needs and does not constitute personal financial advice. This podcast provides general market-related information, and is not investment research and nor does it purport to make any recommendations. The information contained in this podcast is approved and distributed by Global Economic & Markets Research (GEMR), a business division of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (“the Bank”). The information is solely for informational purposes and is not to be construed as a solicitation or an offer to buy or sell any securities or other financial products. It does not constitute a personal recommendation or take into account the particular investment objectives, financial situations, or needs of individual clients. Where ‘CBA data' is cited, this refers to the Bank proprietary data that is sourced from the Bank's internal systems and may include, but not be limited to, home loan data, credit card transaction data, merchant facility transaction data and applications for credit. The data used in the ‘Commonwealth Bank Household Spending Intentions' series is a combination of the CBA Data and publically available ABS, CoreLogic and RBA data. As analysis is based on CBA customer transactions,  it may not reflect all trends in the market. All customer data used or represented in this podcast is anonymised before analysis and is used, and disclosed, in accordance with the Bank's Privacy Policy. The Bank believes that the information in this podcast is correct and any opinions, conclusions or recommendations made are reasonably held and are based on the information available at the time of its compilation. The Bank makes no representation or warranty, either expressed or implied, as to the accuracy, reliability or completeness of any statement made.

In our latest podcast, Joseph Capurso, Head of International Economics and Sustainable Economics, and John Oh, Sustainable Economist discuss some of the opportunities and challenges for electric vehicle charging in Australia.  The build out of electric vehicle charging looks different within and outside the major capital cities.  Inside the major cities, home and work places will provide significant charging for EV drivers.  Renters and apartment dwellers are segments of the population that will rely on public electric vehicle charging.  Outside the major capital cities, the progress of charging buildout will likely be dependent on government funding.  More details can be found in the report.   ------ DISCLAIMER ------ Before listening to this podcast, you are advised to read the full Global Economic & Markets Research (GEMR) disclaimers which can be found at www.commbankresearch.com.au. Information in this podcast is of a general nature only. It does not take into account your objectives, financial situation or needs and does not constitute personal financial advice. This podcast provides general market-related information, and is not investment research and nor does it purport to make any recommendations. The information contained in this podcast is approved and distributed by Global Economic & Markets Research (GEMR), a business division of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (“the Bank”). The information is solely for informational purposes and is not to be construed as a solicitation or an offer to buy or sell any securities or other financial products. It does not constitute a personal recommendation or take into account the particular investment objectives, financial situations, or needs of individual clients. Where ‘CBA data' is cited, this refers to the Bank proprietary data that is sourced from the Bank's internal systems and may include, but not be limited to, home loan data, credit card transaction data, merchant facility transaction data and applications for credit. As analysis is based on CBA customer transactions,  it may not reflect all trends in the market. All customer data used or represented in this podcast is anonymised before analysis and is used, and disclosed, in accordance with the Group's Privacy Policy Statement. The Bank believes that the information in this podcast is correct and any opinions, conclusions or recommendations are reasonably held based on the information available at the time of its compilation but no representation or warranty, either expressed or implied, is made or provided as to accuracy, reliability or completeness of any statement made.

Understanding Self-Love with more depth and personal insights.Disclaimer: Before we begin, I want to clarify that I am not a therapist, social worker, MD or mental health provider. I'm someone who cares deeply and wishes to share thoughts and experiences on this important subject. If at any point you feel the need for professional mental health assistance, or have thoughts of harming yourself or others, please contact appropriate services immediately. Thank you.

In our latest podcast, Stephen Halmarick, Chief Economist, and Belinda Allen, Senior Economist discuss the October edition of the CommBank Household Spending Insights report. The October results showed a fall of 1.0% in the month and annual growth sitting at 2.0%/yr. Weakness in Recreation, Hospitality and Food & beverage goods led the falls. While Utilities, Transport, Education, Insurance and Health all rose. In addition to the October moves, Stephen and Belinda discuss refinements to the HSI this month, removing some items that were investment, rather than spending in the Household Services category. More details can be found in the report.   ------ DISCLAIMER ------ Before listening to this podcast, you are advised to read the full Global Economic & Markets Research (GEMR) disclaimers, which can be found at www.commbankresearch.com.au. Information in this podcast is of a general nature only. It does not take into account your objectives, financial situation or needs and does not constitute personal financial advice. This podcast provides general market-related information, and is not investment research and nor does it purport to make any recommendations. The information contained in this podcast is approved and distributed by Global Economic & Markets Research (GEMR), a business division of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (“the Bank”). The information is solely for informational purposes and is not to be construed as a solicitation or an offer to buy or sell any securities or other financial products. It does not constitute a personal recommendation or take into account the particular investment objectives, financial situations, or needs of individual clients. Where ‘CBA data' is cited, this refers to the Bank proprietary data that is sourced from the Bank's internal systems and may include, but not be limited to, home loan data, credit card transaction data, merchant facility transaction data and applications for credit. The data used in the ‘Commonwealth Bank Household Spending Intentions' series is a combination of the CBA Data and publically available ABS, CoreLogic and RBA data. As analysis is based on CBA customer transactions,  it may not reflect all trends in the market. All customer data used or represented in this podcast is anonymised before analysis and is used, and disclosed, in accordance with the Bank's Privacy Policy. The Bank believes that the information in this podcast is correct and any opinions, conclusions or recommendations made are reasonably held and are based on the information available at the time of its compilation. The Bank makes no representation or warranty, either expressed or implied, as to the accuracy, reliability or completeness of any statement made.

Ethical hackers and cybercriminals are not the same thing, and it can be beneficial to establish a channel to communicate with hackers trying to alert you to vulnerabilities. Ilona Cohen, Chief Legal and Policy Officer at Hacker One, and Harley Geiger, Counsel at Venable LLP, sit down with Host and Principal Security Analyst Jen Stone (MCIS, CISSP, CISA, QSA) at the PCI Community Meeting North America to discuss:Hackers vs. cybercriminalsVulnerability disclosure policies (VDPs) vs. bug bountiesPCI DSS post-disclosure obligations Hosted by Jen Stone, Principal Security Analyst (MCIS, CISSP, CISA, QSA)Filmed at the 2023 PCI Community Meeting in Portland, Oregon.[Disclaimer] Before implementing any policies or procedures you hear about on this or any other episodes, make sure to talk to your legal department, IT department, and any other department assisting with your data security and compliance efforts.

Disclaimer: Before we get into today's episode, a quick disclaimer that this was recorded prior to the SAG AFTRA strike.Today I welcome and kick off the Eat Play Crush Podcast with my incredible client and friend, Lupita Nyong'o. She has graced our screens in iconic roles and is the recipient of multiple awards, including an Academy Award.Lupita is someone that embodies total commitment to her craft and in this conversation, she takes us through her remarkable experience and transformation preparing for her role in Wakanda Forever which required intense training as well as prep for her upcoming role which required an entirely different body composition.We also discuss how those experiences compared to her prep for the first Black Panther movie, before she and I began working together to unlock her personal nutrition design.Lupita shares the behind-the-scenes experience of our work together, what performance nutrition means to her, and how changing the way she ate allowed her to get into optimal shape to embody her character Nakia once again but also how it expanded her own self awareness and relationship to food in her everyday life.Lupita delves into the challenges, learnings, and dedication required and how that experience transcended into her habits off the screen.Beyond that, we also talk about her personal journey preparing for these roles while so much is going on in the world as well as in her personal life and how she keeps herself grounded and where she draws inspiration.You are sure to be drawn in, inspired, and empowered by this episode.Episode Highlights:00:00 Intro01:40 Catching Up Since Filming & Fueling in London02:06 When We Met And Started Working Together in 202102:48 Why Mary For Performance Nutrition for Wakanda Forever04:25 Prepping for Black Panther vs Prepping for Wakanda Forever (Before Mary/After Mary)05:59 General Nutrition vs Fully Formed Nutrition06:35 Lupita Was Taken Aback and Put At Ease By Mary's Expectations From Her Clients08:00 Client Buy In & Support Is Key to Success08:30 Mary's EPC 7 Day Gut Reset08:54 Tastes and Preferences Changing Through Gut Reset09:34 Breakthrough On The Gut Reset09:58 Understanding Relationship with Food and Body10:10 Eating to Compliment Your Day and Activities10:55 Taking Agency Over Self With Deliberate Nutrition11:29 Comparing Black Panther Prep for Another Role, Dropping Weight Safely11:54 Holding Space For Vulnerability, Self Awareness, and Expression13:12 Intentional Approach To Food and Nutrition16:08 Slow And Steady Learning18:20 Sugar Is No Longer A Craving20:26 What Does Eat Play Crush Mean To Lupita20:50 Uncompromising Mealtimes24:36 Awareness Around Discomfort After Meals28:29 Avoiding Conflict in the Form of Fighting31:17 The Humbling Feeling When Conditioning Your Body34:08 Allowing Life To Be When It's So Undesirable40:47 The Illusion Of Having Control46:45 What Is Intuitive Cooking?51:28 How Do You Start Intuitive Cooking?54:24 Surrender Happens When We Stop FightingResources: Instagram: https://www.instagram.com/lupitanyongo/Instagram: @paleochefInstagram: @eatplaycrushWebsite: eatplaycrush.comGut Reset: https://eatplaycrush.com/products/gut-reset-prototcolLyvecap:  https://eatplaycrush.com/pages/lyvecap

The CommBank Household Spending Insights (HSI) index for September 2023 rose by 0.5%/mth in seasonally adjusted terms, to 137.4.  This was the same monthly increase as the revised outcome for August. Gains in September were led by Hospitality (fast food and restaurants), Food & beverage goods (liquor stores), Transport (higher fuel prices) and Education.  It is worth noting, however, that 5 of the 12 spending categories saw declines in September, including Recreation (travel agents and ski fields), Utilities (government rebates at work), Health, Household services and Household goods. In this podcast, Stephen Halmarick, Chief Economist and Belinda Allen, Senior Economist discuss the September results and how recent resilience in household spending could impact the RBA.   ------ DISCLAIMER ------ Before listening to this podcast, you are advised to read the full Global Economic & Markets Research (GEMR) disclaimers, which can be found at www.commbankresearch.com.au. Information in this podcast is of a general nature only. It does not take into account your objectives, financial situation or needs and does not constitute personal financial advice. This podcast provides general market-related information, and is not investment research and nor does it purport to make any recommendations. The information contained in this podcast is approved and distributed by Global Economic & Markets Research (GEMR), a business division of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (“the Bank”). The information is solely for informational purposes and is not to be construed as a solicitation or an offer to buy or sell any securities or other financial products. It does not constitute a personal recommendation or take into account the particular investment objectives, financial situations, or needs of individual clients. Where ‘CBA data' is cited, this refers to the Bank proprietary data that is sourced from the Bank's internal systems and may include, but not be limited to, home loan data, credit card transaction data, merchant facility transaction data and applications for credit. The data used in the ‘Commonwealth Bank Household Spending Intentions' series is a combination of the CBA Data and publically available ABS, CoreLogic and RBA data. As analysis is based on CBA customer transactions,  it may not reflect all trends in the market. All customer data used or represented in this podcast is anonymised before analysis and is used, and disclosed, in accordance with the Bank's Privacy Policy. The Bank believes that the information in this podcast is correct and any opinions, conclusions or recommendations made are reasonably held and are based on the information available at the time of its compilation. The Bank makes no representation or warranty, either expressed or implied, as to the accuracy, reliability or completeness of any statement made.  

In this podcast, Stephen Halmarick, Chief Economist and Belinda Allen, Senior Economist discuss the revamped CommBank Household Spending Insights report. The data is now seasonally adjusted and weighted to the ABS census. For August, the Commbank HSI rose by 0.7%/mth to 137.0pts. Gains in August were led by Education (surge in international students), Transport (the higher price of petrol), Recreation (the FIFA World Cup), Household goods (after prolonged weakness), Motor vehicles, Health and Insurance (including for travel). This strength was partly offset by monthly declines in Hospitality and Utilities (government rebates at work). The annual growth rate of the HSI index picked up to 2.3%/yr in August, from a revised 1.9%/yr in July.  The effects of 400bp of RBA rate hikes is clearly reflected in a significant slowdown in household spending, as measured by the CommBank HSI.   ------ DISCLAIMER ------ Before listening to this podcast, you are advised to read the full Global Economic & Markets Research (GEMR) disclaimers, which can be found at www.commbankresearch.com.au. Information in this podcast is of a general nature only. It does not take into account your objectives, financial situation or needs and does not constitute personal financial advice. This podcast provides general market-related information, and is not investment research and nor does it purport to make any recommendations. The information contained in this podcast is approved and distributed by Global Economic & Markets Research (GEMR), a business division of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (“the Bank”). The information is solely for informational purposes and is not to be construed as a solicitation or an offer to buy or sell any securities or other financial products. It does not constitute a personal recommendation or take into account the particular investment objectives, financial situations, or needs of individual clients. Where ‘CBA data' is cited, this refers to the Bank proprietary data that is sourced from the Bank's internal systems and may include, but not be limited to, home loan data, credit card transaction data, merchant facility transaction data and applications for credit. The data used in the ‘Commonwealth Bank Household Spending Intentions' series is a combination of the CBA Data and publically available ABS, CoreLogic and RBA data. As analysis is based on CBA customer transactions,  it may not reflect all trends in the market. All customer data used or represented in this podcast is anonymised before analysis and is used, and disclosed, in accordance with the Bank's Privacy Policy. The Bank believes that the information in this podcast is correct and any opinions, conclusions or recommendations made are reasonably held and are based on the information available at the time of its compilation. The Bank makes no representation or warranty, either expressed or implied, as to the accuracy, reliability or completeness of any statement made.

  In this podcast, we discuss the RBA's most recent cash rate decision and the latest economic growth figures. The RBA kept the cash rate unchanged at 4.1% at their September Board meeting. This was the third consecutive on-hold decision, although the RBA continued to retain a tightening bias. The RBA seem comfortable that interest rate hikes are working to slow aggregate demand and inflation in the economy, and their concerns around the outlook for the Chinese economy are growing. Also this week, the ABS released the National Accounts data, showing the economy grew by 0.4% in the June quarter. Household consumption and dwelling investment were soft, and growth was driven by the public and external sectors. ------ DISCLAIMER ------ Before listening to this report, you are advised to read the full Global Markets Research disclaimers which can be found at www.commbankresearch.com.au. Information in this podcast is of a general nature only. It does not take into account your objectives, financial situation or needs and does not constitute personal financial advice. This report provides general market-related information, and is not intended to be an investment research report. The information contained in this report is approved and distributed by Global Markets Research, a business division of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (“the Bank”). The information is solely for informational purposes and is not to be construed as a solicitation or an offer to buy or sell any securities or other financial instruments. It does not constitute a personal recommendation or take into account the particular investment objectives, financial situations, or needs of individual clients. Where ‘CBA data' is cited, this refers to the Bank proprietary data that is sourced from the Bank's internal systems and may include, but not be limited to, credit card transaction data, merchant facility transaction data and applications for credit. As the statistics take into account only the Bank's data it may not reflect all trends in the market. All customer data used, or represented, in this report is anonymised and aggregated before analysis and is used, and disclosed, in accordance with the Group's Privacy Policy Statement. The Bank believes that the information in this presentation is correct and any opinions, conclusions or recommendations are reasonably held based on the information available at the time of its compilation but no representation or warranty, either expressed or implied, is made or provided as to accuracy, reliability or completeness of any statement made.  

Welcome to Episode 19! Dr. Mara Bargeron joins us to unpack the critical topic of pre-conception planning. Imagine investing as much time and energy into pre-conception as you would for your wedding. The result? A healthier next generation. We also dive into the game-changing role of community post-birth and why it's more crucial than ever. Plus, we discuss why you shouldn't skip those blood tests. They're vital for monitoring your body's basic functions and detecting micronutrient deficiencies. Unaddressed infections before or during pregnancy? We cover how they can impact not just you, but your future child. Disclaimer: "Before we begin, please note that the information shared in this episode is for educational purposes only and should not be considered medical advice. We always recommend consulting with a qualified healthcare professional regarding your specific health concerns or conditions." Let's Dive in!   Dr.Mara's information:  https://www.drmarabargeron.com Instagram: @dr.marabargeron   ----more---- Resources, Services & Discount Codes:  https://bio.site/regenbiome  Services:  Work with ME, Book a Complimentary Strategy Call Top Recommendation for Quality Sleep  Bioptimizers My Go to for Sleep Optimization and Digestive Support (SAVE 10% with code REGENBIOME) (Magnesium Breakthrough & Sleep Breakthrough My Favourite Blue Light Blocking Glasses Vivarays (Save 15% with code jfbiowellness) Let's Stay Connected: Sign Up To My New Email List  My Website Follow me on Instagram for updates

The Chinese economy is weak and the government's policy response has been underwhelming. Despite its reluctance, the government may be forced to unveil a large economic stimulus package in coming months to aid the economy.  In this podcast, we discuss some of the key considerations in China's fiscal and monetary policy debate.  We also discuss our updated outlook for the Chinese economy.    ------ DISCLAIMER ------ Before listening to this report, you are advised to read the full Global Markets Research disclaimers which can be found at www.commbankresearch.com.au. Information in this podcast is of a general nature only. It does not take into account your objectives, financial situation or needs and does not constitute personal financial advice. This report provides general market-related information, and is not intended to be an investment research report. The information contained in this report is approved and distributed by Global Markets Research, a business division of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (“the Bank”). The information is solely for informational purposes and is not to be construed as a solicitation or an offer to buy or sell any securities or other financial instruments. It does not constitute a personal recommendation or take into account the particular investment objectives, financial situations, or needs of individual clients. Where ‘CBA data' is cited, this refers to the Bank proprietary data that is sourced from the Bank's internal systems and may include, but not be limited to, credit card transaction data, merchant facility transaction data and applications for credit. As the statistics take into account only the Bank's data it may not reflect all trends in the market. All customer data used, or represented, in this report is anonymised and aggregated before analysis and is used, and disclosed, in accordance with the Group's Privacy Policy Statement. The Bank believes that the information in this presentation is correct and any opinions, conclusions or recommendations are reasonably held based on the information available at the time of its compilation but no representation or warranty, either expressed or implied, is made or provided as to accuracy, reliability or completeness of any statement made.  

The RBA left the cash rate on hold at 4.10% in August, the second consecutive on hold decision. The material lift in interest rates so far, lags in the transmission of monetary policy and uncertainty around the economic outlook drove the on hold decision. There are also growing signs inflation is coming down and consumer demand is moderating. We now expect the RBA to pause for an extended period at 4.10% before an easing cycle commences in Q1 24.   ------ DISCLAIMER ------ Before listening to this report, you are advised to read the full Global Markets Research disclaimers which can be found at www.commbankresearch.com.au. Information in this podcast is of a general nature only. It does not take into account your objectives, financial situation or needs and does not constitute personal financial advice. This report provides general market-related information, and is not intended to be an investment research report. The information contained in this report is approved and distributed by Global Markets Research, a business division of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (“the Bank”). The information is solely for informational purposes and is not to be construed as a solicitation or an offer to buy or sell any securities or other financial instruments. It does not constitute a personal recommendation or take into account the particular investment objectives, financial situations, or needs of individual clients. Where ‘CBA data' is cited, this refers to the Bank proprietary data that is sourced from the Bank's internal systems and may include, but not be limited to, credit card transaction data, merchant facility transaction data and applications for credit. As the statistics take into account only the Bank's data it may not reflect all trends in the market. All customer data used, or represented, in this report is anonymised and aggregated before analysis and is used, and disclosed, in accordance with the Group's Privacy Policy Statement. The Bank believes that the information in this presentation is correct and any opinions, conclusions or recommendations are reasonably held based on the information available at the time of its compilation but no representation or warranty, either expressed or implied, is made or provided as to accuracy, reliability or completeness of any statement made.

In this week's episode, we embark on an exciting journey into the world of animal-based diets and the remarkable benefits they offer. Join us as we delve into the science, anecdotes, and personal experiences surrounding this controversial approach to nutrition. From increased energy levels to improved mental clarity, discover the potential advantages of embracing an animal-based diet and thriving on the wild side of nutrition.Disclaimer: Before making any significant dietary changes, consult with a healthcare professional or a registered dietitian to ensure it aligns with your individual health needs.CLICK HERE TO LEARN MORESupport the showLearn how to rate and review this podcast HERE ⭐⭐⭐⭐⭐Check out my website HERE

Welcome to Episode 18! Today, we're thrilled to host Kim Rogers, the acclaimed 'Worm Queen' of TikTok. Kim spent more than 18 years in Western medicine, earning an Associates in Medical Specialties and a Bachelors in Healthcare. Throughout her career, she actively contributed to the field as a practitioner, an academic, an author of multiple medical books, a contributor to national allied health certification tests, and as a valuable member of medical advisory boards. Her personal health journey, however, shifted her trajectory from this traditional path to a more holistic path when her health started to decline. The Parafy Kit, one of her signature products, was born out of her personal necessity after battling years of surgeries, endometriosis, and chronic issues.  Leveraging her extensive knowledge and experience, Kim dedicated herself to creating a company that aims to help people safely and effectively address parasites and mold.  Following her own remarkable success with her products, Kim's results spread like wildfire on TikTok, bringing ParaFy into the spotlight.  Kim successfully supported her body in healing her endometriosis symptoms, and this success has led her to create the Moldeze Kit, designed to help those dealing with mold illnesses. Join us as we delve into the often-taboo territories of health and wellness, guided by the Worm Queen herself." Disclaimer: "Before we begin, please note that the information shared in this episode is for educational purposes only and should not be considered medical advice. We always recommend consulting with a qualified healthcare professional regarding your specific health concerns or conditions." Let's Dive in! Rogers Hood Website (Code regenbiome gets you 10% off site wide) Instagram: @mrsrogers.hood TikTok: @mrsrogershood ----more---- Free Resources:  Get Your Free Copy Of My New RB FBA Blood Chemistry Guide Here  My Free Toxic Home Guide   Services:  Work with ME 1:1 Strategy Call You can now order your own blood work or functional lab testing here RegenBiome FBA Blood Work Analysis Now Available  Get your Genetics Tested and Your Blood Analysis   Purchase a copy of my health optimizing shopping guide   Products & Discounts:    Rogers Hood ParaFy & MolDeze Kit (Parasite Cleanse) 10% Off Site Wide with code regenbiome    Sleep & Digestion Bioptimizers My Go to for Sleep Optimization and Digestive Support (SAVE 10% with code REGENBIOME) (Magnesium Breakthrough & Sleep Breakthrough My Favourite Blue Light Blocking Glasses Vivarays (Save 10% with code jfbiowellness)   Blood Flow & Cardiovascular  Berkeley Life Nitric Oxide Supplement, Serum & Testing Strips    Brain Optimization & Productivity  Nootopia World's Best Customized Nootropics (Save 10% with code REGENBIOME) Microbiome & Gut Health Optimization Microbiome Labs 3 TGR Gut Reset Protocol (Save 10%)   Let's Stay Connected: Sign Up To My New Email List  My Website Follow me on Instagram for updates

Electric vehicle (EV) uptake can help decarbonise transport in Australia.  Joseph Capurso, Head of International and Sustainability Economics and John Oh, Sustainable Economist sit down to discuss the financial, emissions and driving-range trade-offs associated with EV purchase and ownership.  They also discuss the range of government incentives available for EV uptake in Australia.   ------ DISCLAIMER ------ Before listening to this report, you are advised to read the full Global Markets Research disclaimers which can be found at www.commbankresearch.com.au. Information in this podcast is of a general nature only. It does not take into account your objectives, financial situation or needs and does not constitute personal financial advice. This report provides general market-related information, and is not intended to be an investment research report. The information contained in this report is approved and distributed by Global Markets Research, a business division of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (“the Bank”). The information is solely for informational purposes and is not to be construed as a solicitation or an offer to buy or sell any securities or other financial instruments. It does not constitute a personal recommendation or take into account the particular investment objectives, financial situations, or needs of individual clients. Where ‘CBA data' is cited, this refers to the Bank proprietary data that is sourced from the Bank's internal systems and may include, but not be limited to, credit card transaction data, merchant facility transaction data and applications for credit. As the statistics take into account only the Bank's data it may not reflect all trends in the market. All customer data used, or represented, in this report is anonymised and aggregated before analysis and is used, and disclosed, in accordance with the Group's Privacy Policy Statement. The Bank believes that the information in this presentation is correct and any opinions, conclusions or recommendations are reasonably held based on the information available at the time of its compilation but no representation or warranty, either expressed or implied, is made or provided as to accuracy, reliability or completeness of any statement made.

The RBA left the cash rate on hold in July at 4.10% as we had expected. In this podcast, Stephen Halmarick, Chief Economist and Belinda Allen, Senior Economist, run through the three main reasons why the RBA left the cash rate on hold. The material lift in interest rates to date, the deceleration in the pace of the monthly CPI and the opportunity to wait and assess the economy and the outlook fed into the decision. Stephen and Belinda also discuss the outlook for the cash rate from here.   ------ DISCLAIMER ------ Before listening to this report, you are advised to read the full Global Markets Research disclaimers which can be found at www.commbankresearch.com.au. Information in this podcast is of a general nature only. It does not take into account your objectives, financial situation or needs and does not constitute personal financial advice. This report provides general market-related information, and is not intended to be an investment research report. The information contained in this report is approved and distributed by Global Markets Research, a business division of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (“the Bank”). The information is solely for informational purposes and is not to be construed as a solicitation or an offer to buy or sell any securities or other financial instruments. It does not constitute a personal recommendation or take into account the particular investment objectives, financial situations, or needs of individual clients. Where ‘CBA data' is cited, this refers to the Bank proprietary data that is sourced from the Bank's internal systems and may include, but not be limited to, credit card transaction data, merchant facility transaction data and applications for credit. As the statistics take into account only the Bank's data it may not reflect all trends in the market. All customer data used, or represented, in this report is anonymised and aggregated before analysis and is used, and disclosed, in accordance with the Group's Privacy Policy Statement. The Bank believes that the information in this presentation is correct and any opinions, conclusions or recommendations are reasonably held based on the information available at the time of its compilation but no representation or warranty, either expressed or implied, is made or provided as to accuracy, reliability or completeness of any statement made.

Inflation, while coming down, remains too high for central banks' comfort.  A recession is likely needed in some economies to bring inflation back to target.  Joseph Capurso, Head of International and Sustainability Economics and Carol Kong, Economist discuss their updated forecasts on the global economy and foreign central banks' policies.    ------ DISCLAIMER ------ Before listening to this report, you are advised to read the full Global Markets Research disclaimers which can be found at www.commbankresearch.com.au. Information in this podcast is of a general nature only. It does not take into account your objectives, financial situation or needs and does not constitute personal financial advice. This report provides general market-related information, and is not intended to be an investment research report. The information contained in this report is approved and distributed by Global Markets Research, a business division of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (“the Bank”). The information is solely for informational purposes and is not to be construed as a solicitation or an offer to buy or sell any securities or other financial instruments. It does not constitute a personal recommendation or take into account the particular investment objectives, financial situations, or needs of individual clients. Where ‘CBA data' is cited, this refers to the Bank proprietary data that is sourced from the Bank's internal systems and may include, but not be limited to, credit card transaction data, merchant facility transaction data and applications for credit. As the statistics take into account only the Bank's data it may not reflect all trends in the market. All customer data used, or represented, in this report is anonymised and aggregated before analysis and is used, and disclosed, in accordance with the Group's Privacy Policy Statement. The Bank believes that the information in this presentation is correct and any opinions, conclusions or recommendations are reasonably held based on the information available at the time of its compilation but no representation or warranty, either expressed or implied, is made or provided as to accuracy, reliability or completeness of any statement made.    

The Nature Repair Market Bill was introduced to parliament on the 29 March 2023.  Joseph Capurso, Head of International and Sustainability Economics and John Oh, Sustainable Economist sit down to discuss how the Nature Repair Market offers an alternative to the existing offset markets.  They identify demonstrated-outcome and standardised units of measurement as two important elements required for the market to succeed.   ------ DISCLAIMER ------ Before listening to this report, you are advised to read the full Global Markets Research disclaimers which can be found at www.commbankresearch.com.au. Information in this podcast is of a general nature only. It does not take into account your objectives, financial situation or needs and does not constitute personal financial advice. This report provides general market-related information, and is not intended to be an investment research report. The information contained in this report is approved and distributed by Global Markets Research, a business division of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (“the Bank”). The information is solely for informational purposes and is not to be construed as a solicitation or an offer to buy or sell any securities or other financial instruments. It does not constitute a personal recommendation or take into account the particular investment objectives, financial situations, or needs of individual clients. Where ‘CBA data' is cited, this refers to the Bank proprietary data that is sourced from the Bank's internal systems and may include, but not be limited to, credit card transaction data, merchant facility transaction data and applications for credit. As the statistics take into account only the Bank's data it may not reflect all trends in the market. All customer data used, or represented, in this report is anonymised and aggregated before analysis and is used, and disclosed, in accordance with the Group's Privacy Policy Statement. The Bank believes that the information in this presentation is correct and any opinions, conclusions or recommendations are reasonably held based on the information available at the time of its compilation but no representation or warranty, either expressed or implied, is made or provided as to accuracy, reliability or completeness of any statement made.

In a special Budget night podcast, Stephen Halmarick, Chief Economist and Belinda Allen, Senior Economist discuss the 2023/24 Budget in detail. Stephen and Belinda discuss what drove the surplus forecast for 2022/23, the first in 15 years and the key policy initiatives to reduce cost of living pressures. A key focus of the Budget was smaller budget deficits and debt projections due to changes in economic forecasts and spending changes.   ------ DISCLAIMER ------ Before listening to this report, you are advised to read the full Global Markets Research disclaimers which can be found at www.commbankresearch.com.au. Information in this podcast is of a general nature only. It does not take into account your objectives, financial situation or needs and does not constitute personal financial advice. This report provides general market-related information, and is not intended to be an investment research report. The information contained in this report is approved and distributed by Global Markets Research, a business division of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (“the Bank”). The information is solely for informational purposes and is not to be construed as a solicitation or an offer to buy or sell any securities or other financial instruments. It does not constitute a personal recommendation or take into account the particular investment objectives, financial situations, or needs of individual clients. Where ‘CBA data' is cited, this refers to the Bank proprietary data that is sourced from the Bank's internal systems and may include, but not be limited to, credit card transaction data, merchant facility transaction data and applications for credit. As the statistics take into account only the Bank's data it may not reflect all trends in the market. All customer data used, or represented, in this report is anonymised and aggregated before analysis and is used, and disclosed, in accordance with the Group's Privacy Policy Statement. The Bank believes that the information in this presentation is correct and any opinions, conclusions or recommendations are reasonably held based on the information available at the time of its compilation but no representation or warranty, either expressed or implied, is made or provided as to accuracy, reliability or completeness of any statement made.

The CommBank Household Spending Intentions (HSI) index for April 2023 declined by 4.3%/mth in original terms, led lower by Home buying, Health & fitness, Transport and Household services.  The weakness in April was partly driven by seasonal factors, ie. less trading days on the month due to the public holidays, but in seasonally adjusted terms the HSI index was also slightly down. In this podcast Stephen Halmarick, Chief Economist and Belinda Allen, Senior Economist dive into the details and note the continued fall in the pace of annual growth. Given the material lift in interest rates over the past year, a further slowdown in consumer spending is expected from here.   ------ DISCLAIMER ------ Before listening to this report, you are advised to read the full Global Economic & Markets Research disclaimers, which can be found at www.commbankresearch.com.au. Information in this podcast is of a general nature only. It does not take into account your objectives, financial situation or needs and does not constitute personal financial advice. This report provides general market-related information, and is not investment research and nor does it purport to make any recommendations. The information contained in this report is approved and distributed by Global Economic & Markets Research, a business division of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (“the Bank”). The information is solely for informational purposes and is not to be construed as a solicitation or an offer to buy or sell any securities or other financial instruments. It does not constitute a personal recommendation or take into account the particular investment objectives, financial situations, or needs of individual clients. The data used in the ‘Commonwealth Bank Household Spending Intentions' series is a combination of the CBA Data and publically available Google Trends™ data. Any reference to the term ‘CBA data' means the proprietary data of the Bank. As the statistics take into account only the Bank's data, it may not reflect all trends in the market. All customer data used or represented is anonymised and aggregated before analysis and is used, and disclosed, in accordance with the Bank's Privacy Policy. The Bank believes that the information in this presentation is correct and any opinions, conclusions or recommendations made are reasonably held and are based on the information available at the time of its compilation. The Bank makes no representation or warranty, either expressed or implied, as to the accuracy, reliability or completeness of any statement made.

The RBA Board today increased the cash rate by 25bp to 3.85%, as we had anticipated.  But today's outcome was not expected by financial markets or the forecasting community.  In this podcast, Gareth Aird, Head of Australian Economics and Belinda Allen, Senior Economist discuss how the Bank's forward guidance has been further watered down to a soft tightening bias and the policy outlook from here.   ------ DISCLAIMER ------ Before listening to this report, you are advised to read the full Global Markets Research disclaimers which can be found at www.commbankresearch.com.au. Information in this podcast is of a general nature only. It does not take into account your objectives, financial situation or needs and does not constitute personal financial advice. This report provides general market-related information, and is not intended to be an investment research report. The information contained in this report is approved and distributed by Global Markets Research, a business division of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (“the Bank”). The information is solely for informational purposes and is not to be construed as a solicitation or an offer to buy or sell any securities or other financial instruments. It does not constitute a personal recommendation or take into account the particular investment objectives, financial situations, or needs of individual clients. Where ‘CBA data' is cited, this refers to the Bank proprietary data that is sourced from the Bank's internal systems and may include, but not be limited to, credit card transaction data, merchant facility transaction data and applications for credit. As the statistics take into account only the Bank's data it may not reflect all trends in the market. All customer data used, or represented, in this report is anonymised and aggregated before analysis and is used, and disclosed, in accordance with the Group's Privacy Policy Statement. The Bank believes that the information in this presentation is correct and any opinions, conclusions or recommendations are reasonably held based on the information available at the time of its compilation but no representation or warranty, either expressed or implied, is made or provided as to accuracy, reliability or completeness of any statement made.

The CommBank Household Spending Intentions (HSI) index for March 2023 rose by a solid 8%/mth in original terms, following on from declines in January and February. The increase in March was partly due to the increased number of calendar days in March and other seasonal factors. Importantly the annual rate of growth continues to moderate. Stephen Halmarick, Chief Economist and Belinda Allen, Senior Economist discuss the details of the report, with Transport, Entertainment, Retail and Travel all rising in the month.  Stephen also discusses the outlook for the consumer over the remainder of 2023.   ------ DISCLAIMER ------ Before listening to this report, you are advised to read the full Global Economic & Markets Research disclaimers, which can be found at www.commbankresearch.com.au. Information in this podcast is of a general nature only. It does not take into account your objectives, financial situation or needs and does not constitute personal financial advice. This report provides general market-related information, and is not investment research and nor does it purport to make any recommendations. The information contained in this report is approved and distributed by Global Economic & Markets Research, a business division of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (“the Bank”). The information is solely for informational purposes and is not to be construed as a solicitation or an offer to buy or sell any securities or other financial instruments. It does not constitute a personal recommendation or take into account the particular investment objectives, financial situations, or needs of individual clients. The data used in the ‘Commonwealth Bank Household Spending Intentions' series is a combination of the CBA Data and publically available Google Trends™ data. Any reference to the term ‘CBA data' means the proprietary data of the Bank. As the statistics take into account only the Bank's data, it may not reflect all trends in the market. All customer data used or represented is anonymised and aggregated before analysis and is used, and disclosed, in accordance with the Bank's Privacy Policy. The Bank believes that the information in this presentation is correct and any opinions, conclusions or recommendations made are reasonably held and are based on the information available at the time of its compilation. The Bank makes no representation or warranty, either expressed or implied, as to the accuracy, reliability or completeness of any statement made.

*Disclaimer: Before the recording of this episode we weren't aware of some of the controversy surrounding Cresson's ownership.*We were joined by Althea Becker, better known as The Paranormal Bimbo on social media, to talk about Cresson Sanatorium in Lily, PA. Al is a tour guide there and has extensive knowledge of the property, that has over 17 buildings. A lot of activity goes on at Cresson and Al details some of what she's seen while exploring these haunted halls.Follow Al on social:https://www.instagram.com/theparanormalbimbo/All of our socials:https://linktr.ee/UnrefinedPodcast

"In 2021, we had tracked about 5.9M accounts were targeted through data breaches. It's expected that at the end of 2022, we will surpass that number."Tune in this week as Jen Stone and Heff give you the TOP data breaches of 2022. This list includes breaches caused by leaks, phishing, and poor cyber hygiene. Listen to learn:Most common breach types this yearTips to help your employees stay secureHow to respond to a data breachHosted by Jen Stone (MCIS, CISSP, CISA, QSA) with guest Matthew Heffelfinger (Deputy CISO, GSTRT, CyRP (Pepperdine), GRCP, SSAP, ITIL4-F, GISF, PECB).[Disclaimer] Before implementing any policies or procedures you hear about on this or any other episodes, make sure to talk to your legal department, IT department, and any other department assisting with your data security and compliance efforts.

"A lot of people think they're doing all the right things to keep their data safe. However, there are things I see constantly that people are doing wrong, or not doing at all, to properly keep their data secure."Your personal data that exists online is vast and private. Should a hacker steal your data, you could lose emails, hard drives, bank accounts, or even your business. Tune in this week as Jen Stone and Noah Pack give you the essentials to keep your personal data safe.Listen to learn:-Essentials to keep data safe-How to help employees that are easily phished-Keeping a secure business beyond PCI complianceHosted by Jen Stone (MCIS, CISSP, CISA, QSA) with guest Noah Pack (Threat Hunter/SOC Analyst, Security+, ITF+, Sophos Certified Engineer).[Disclaimer] Before implementing any policies or procedures you hear about on this or any other episodes, make sure to talk to your legal department, IT department, and any other department assisting with your data security and compliance efforts.

"Privacy is not about things we want to hide. Hiding implies that the other side has a right to see what I'm trying to hide. Privacy means I can control what I share."Privacy rights are often unpinned from security, but they're critical to recapture for our personal lives. Tune in this week as Jen Stone (MCIS, CISSP, CISA, QSA) speaks with Adrianus Warmenhoven  (Defensive Strategist and Threat Intelligence Manager at NordVPN) in a wide-ranging conversation about privacy, security, risk, and compliance.Listen to learn:-How privacy and security are related-Who should make risk-based decisions-Regaining personal privacy in our increasingly connected world[Disclaimer] Before implementing any policies or procedures you hear about on this or any other episodes, make sure to talk to your legal department, IT department, and any other department assisting with your data security and compliance efforts.

Disclaimer: Before you listen any further. This podcast is hosted by two men who drink beer. There will be times when there is swearing, including the "F" word. If you are offended easily, best to turn off now. Also, we talk about and partake in alcoholic beverages and gambling.  What a week for the Big 10 Conference! The college football landscape as we know it continues to experience seismic shifts. Starting in 2024, the Big 10 will stretch from sea to shining sea with the addition of USC and UCLA.  When the news dropped, the entire world seemed shocked at the major coup Big 10 Commissioner Kevin Warren pulled off. However, if you went back almost a year ago, we discussed the possibility of it happening right here on the podcast.  In this edition of the Doc Talk Podcast presented by Betfred Sports, Dr. Rob Zatechka and Travis Justice dive further into what conference expansion looks like. We've said it before, and we will repeat it, it's not about what schools provide the best competition to the rest of the league. Instead, the school or region can bring the most eyeballs, which means more money.  How about the College Football Playoff? What will that look like? You may not like the answer, but our theory is to get ready for another division that separates the haves from the have-nots. So here's a hint, you want to be in the Big 10 or the SEC.  Betfred Sports presents the Doc Talk Podcast. It's here! The new Betfred Sports app is available in Apple and Google Stores. Register right now! New signups can bet $50 and get up to $250 in Free Bets. Variety of betting types, including straight bets, in-play wagering, parlay cards, teasers, and more. Promotions and Bonuses exclusively for online bettors. Variation of deposit methods with secure withdrawals. Betfred Sports is active in: Arizona Colorado Iowa Louisiana Pennsylvania If you have a gambling problem, call 1-800-BetsOff. Additionally, the Doc Talk Podcast is supported by: Husker Hounds Attorney Connor Orr HuskerMax (Podcast Distributor) Without all our sponsors, this podcast would not be available as often. Do you want to be part of the Doc Talk Podcast? Only one sponsorship left. For more information on reaching thousands of potential customers, please email us at doctalksports@gmail.com.  If you would like Travis and Dr. Rob to come to speak at your group events, send us an email at doctalksports@gmail.com for rates and availability.  Follow us on social media: Dr. Rob- Twitter-@doctalksports Travis-Twitter-@traviscreates   Like our page on Facebook. Please give this podcast episode a "like" and subscribe to it on whatever streaming service you listen on. Also, take the time to provide us with a review as it helps more people find us.

Disclaimer: Before you listen any further. This podcast is hosted by two men who drink beer. There will be times when there is swearing, including the “F” word. If you are offended easily, best to turn off now. Have you ever been to a kid's game-baseball, basketball, soccer, you name it, and a parent in the stands acted like Bo Pelini on the sideline? You have our permission to say sit down and shut up! In an unexpected start to this edition of the Doc Talk Podcast presented by Betfred Sports, Dr. Rob Zatechka and Travis Justice discuss a recent interview Travis did on his radio show with NCAA Basketball referee John Higgins. John recently officiated a 15-year-old AAU basketball game with his son when a player and a coach verbally assaulted him. You can read more about the altercation and listen to the interview by CLICKING HERE. If you witness something like this, you have our permission to tell a parent to sit down and shut up!   Travis was recently a guest on the No Block, No Rock Podcast. He told some good stories about his time covering Nebraska football, including when Coach Tom Osborne called him upset about a commentary that he had done.  Travis also sparked a nerve with many fans when he said NIL money for high school recruits was a big gamble. Dr. Rob and Travis dig in deeper to comment to understand what was said fully. It's a good debate that ends in some agreement.  Betfred Sports presents the Doc Talk Podcast. Bet Fred has operations in: Arizona Iowa Colorado Pennsylvania Lousiana (Retail only-located in the Paragon Casino, Marksville And we hope soon in Nebraska! Bet Fred will be launching a new Application later in June. So keep listening to this podcast for specials, promos, tickets, and more!  Additionally, the Doc Talk Podcast is supported by: Husker Hounds Attorney Connor Orr HuskerMax (Podcast Distributor) Without all our sponsors, this podcast would not be available as often. Do you want to be part of the Doc Talk Podcast? Only one sponsorship left. For more information on reaching thousands of potential customers, please email us at doctalksports@gmail.com.  If you would like Travis and Dr. Rob to come to speak at your group events, send us an email at doctalksports@gmail.com for rates and availability.  Follow us on social media: Dr. Rob- Twitter-@doctalksports Travis-Twitter-@traviscreates   Like our page on Facebook. Please give this podcast episode a "like," and make sure to subscribe to it on whatever streaming service you listen on. Also, take the time to give us a review as it helps more people find us.