Podcasts about diverge

Thai shares the backstory on why one of the world's premier GCs decided to launch innovation and investment platform Diverge, details how Diverge has developed a systematic process to discover, evaluate, operationally mobilize, and invest in AEC innovators, gives a pulse check on where the industry is at balancing the critical human element with advancements in robotics and AI automation, and finally shares what aspects Diverge is looking for when it comes to making investments directly into innovators they find a fit with.  

On today's show we are looking at a divergence between lumber futures prices and current lumber composite prices. These two graphs always tend to track each other, sometimes with a small delay. But the prices always follow the futures. However, this is a moment in time when the lumber futures are diverging. The week-to-week framing lumber composite price fell by 0.5% on June 27, 2025, declining to $422 per 1,000 board feet. This was the 12th consecutive week of declines, and the lowest price since October 2024. The falling prices reflect falling demand for lumber as construction starts continue their steady decline. Production also fell in response to the fall in demand. But the July Futures price is $615, September is $664 and November is $675. That's a 60% premium over the current spot price. Holding physical lumber (spot price) incurs costs. This includes warehousing, insurance, and the cost of capital tied up in inventory. Futures prices reflect these "carrying costs" that would be avoided by buying a contract for future delivery rather than purchasing the physical commodity today and storing it. Storing that lumber incurs interest costs if the inventory is financed. So part of the difference in price is explained by the cost of carrying physical inventory. There is anticipation of future increase in demand for new construction later this year and into next year. So the market is forecasting growth, even though the market is clearly experiencing a decline over the past 6 months. Finally, the trade war is anticipating supply side constraints as we have already seen a 6% decline in lumber from Canada entering the US. This is further anticipated to amplify as the trade dispute continues. This will make forecasting of construction costs more difficult for the foreseeable future in the US which will put downward pressure on new construction until the uncertainty is removed. ------------**Real Estate Espresso Podcast:** Spotify: [The Real Estate Espresso Podcast](https://open.spotify.com/show/3GvtwRmTq4r3es8cbw8jW0?si=c75ea506a6694ef1)   iTunes: [The Real Estate Espresso Podcast](https://podcasts.apple.com/ca/podcast/the-real-estate-espresso-podcast/id1340482613)   Website: [www.victorjm.com](http://www.victorjm.com)   LinkedIn: [Victor Menasce](http://www.linkedin.com/in/vmenasce)   YouTube: [The Real Estate Espresso Podcast](http://www.youtube.com/@victorjmenasce6734)   Facebook: [www.facebook.com/realestateespresso](http://www.facebook.com/realestateespresso)   Email: [podcast@victorjm.com](mailto:podcast@victorjm.com)  **Y Street Capital:** Website: [www.ystreetcapital.com](http://www.ystreetcapital.com)   Facebook: [www.facebook.com/YStreetCapital](https://www.facebook.com/YStreetCapital)   Instagram: [@ystreetcapital](http://www.instagram.com/ystreetcapital)  

AP correspondent Ed Donahue reports on what Senators are hearing from the Trump administration about Iran.

Kia ora,Welcome to Wednesday's Economy Watch where we follow the economic events and trends that affect Aotearoa/New Zealand.I'm David Chaston and this is the international edition from Interest.co.nz.And today we lead with news a relief rally is underway on Wall Street, responding to the delays in tariffs by the US on EU goods.But first, an update of the overnight dairy Pulse auction where prices for both SMP and WMP slipped although less than the futures market had suggested. The WMP was down -2.7% in USD from the prior week's full event, and a bit more in NZD. To be fair both prices had risen sharply since April but this pullback still leaves it in a rising trend despite today's adjustment.Data releases resumed in the US after their weekend holiday with durable goods orders pulling back in April after the unusually strong March gains. The pullback was largely in line with what was expected however, -6.3% lower than the prior month but up +2.7% from a year ago. Perhaps worryingly, excluding aircraft orders, nomn-defence capital goods barely budged in April, a sign that boardrooms remain skittish about future investment.That was matched by the Dallas Fed's May factory survey where activity was reported flat with a decline in new orders.But consumers seem happier, according to the Conference Board's May survey of consumer sentiment. But it was a survey taken before the latest US threats on the EU, so there is a sense of 'relief rally' here after the China tariff pullback. However, despite the month-on-month gain, this indicator is still tracking lower on the longer term, still lower than year-ago levels.Sentiment will be challenged again soon. There were a couple of housing indicators out overnight, and both recorded falls in American house prices. The FHA one was spun as an improvement, but it wasn't. The S&P/Case-Shiller one was a gain but a tiny one and the least since mid-2023.The bond market isn't feeling any better. The latest US Treasury 2 year auction, although as well supported as usual, brought a median yield of 3.90%, up from 3.74% at the prior equivalent event a month ago.And we can note that pricing for Trump Media shares, a marketplace that basically attracts investors who are supporters, is doing terribly. TMTG is down -11% today, down -33% so far this year, down more than -50% from a year ago. To rescue itself, it says it wants to raise US$2.5 bln to shift into crypto investing. It is an idea not going down well with shareholders.Across the border, core Canadian business activity is struggling a bit too. April wholesale trade was down -0.9% from March. That is kind of a lot for a one-month impact, one that records the initial tariff-war skirmishes.Across the Pacific in China, profits at industrial firms rose +1.4% in the first four months of 2025 compared to the same four months in 2024, picking up from +0.8% growth in the January–March period. For April alone, that was a rise of +5.2% from April 2024. Having noted that, April 2024 was a weak base. Still, given the trade challenges, and that China's factories are still very export oriented and vulnerable to trade war risks, this has to be seen as a good result in the circumstances.And we should start to keep an eye on China's carmakers. It is attracting increasing scrutiny because the economic fundamentals seem to be leaking away and quite fast. It could be another 'property development' industry failure, and could have just as large consequences if it wobbles too. They have no problem making cars, and good ones. But not only are they making more than the world needs, there are serious questions as to whether they can sell them for more than they cost to make.We should probably note that South Korean consumer sentiment jumped in May, rising back to levels that were common in November 2024 and prior. The ugly confusion period when its president went full-Trump and tried a palace coup (which resulted in impeachment, one that was upheld by the courts) is now behind it and Koreans are breathing easier. The rule of law won against a power grab. South Koreans will vote in a snap presidential election on Tuesday, June 3.And still in South Korea, they should join the CPTPP and diversify its trade as part of the bloc in the face of US uncertainties, a senior trade ex-minister is saying. (New Zealand runs a huge trade deficit with Korea.)In the EU, consumer and business sentiment basically held steady in May, according to the latest update. The trade wars are not yet unnerving the Europeans.The UST 10yr yield is now at 4.44%, and down -6 bps from yesterday.The price of gold will start today at US$3,302/oz, and down -US$38 from yesterday.Oil prices are down -US$1 at just over US$60.50/bbl in the US and the international Brent price is still just under US$64/bbl.The Kiwi dollar is down at 59.5 USc, a -½c retreat from yesterday at this time as commodity currencies are out of favour today. Against the Aussie we are down -20 bps at just on 92.3 AUc. Against the euro we are holding at 52.5 euro cents. That all means our TWI-5 starts today still just over 67.6 and down -30 bps from yesterday.The bitcoin price starts today at US$110,309 and up another +1.2% from yesterday. Volatility over the past 24 hours has been modest at just on +/-1.2%.Check back with us at 2pm for the RBNZ's May Monetary Policy Statement and OCR review. As you will knwo by now, 'everyone' expects a -25 bps cut. But the outlook from there is reasonably clouded, so Governor Hawkesby's analysis at 3pm is keenly awaited. We will have full coverage.You can get more news affecting the economy in New Zealand from interest.co.nz.Kia ora. I'm David Chaston. And we will do this again tomorrow.

In Shurtleff, Boston illegally censored Christian viewpoints by denying flying the Christian flag in a public forum open to “all applicants.” Constitutional expert, lawyer, author, pastor, and founder of Liberty Counsel Mat Staver discusses the important topics of the day with co-hosts and guests that impact life, liberty, and family. To stay informed and get involved, visit LC.org.

Join Dennis Voznesenski as he discusses with Kristina Clifton the recent decline in local cattle prices amid continued gains offshore.   Disclaimer:    Important Information   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”).  Before listening to this podcast, you are advised to read the full GEMR disclaimers, which can be found at www.commbankresearch.com.au.   No Reliance  This podcast is not investment research and nor does it purport to make any recommendations. Rather, this podcast is for informational purposes only and is not to be relied upon for any investment purposes.  This podcast does not take into account your objectives, financial situation or needs. It is not to be construed as a solicitation or an offer to buy or sell any securities or other financial products, or as a recommendation, and/or investment advice. You should not act on the information in this podcast.   The Bank believes that the information in this podcast is correct and any opinions, conclusions or recommendations made are reasonably held at the time given, and are based on the information available at the time of its compilation. No representation or warranty, either expressed or implied, is made or provided as to accuracy, reliability or completeness of any statement made.  Liability Disclaimer  The Bank does not accept any liability for any loss or damage arising out of any error or omission in or from the information provided or arising out of the use of all or part of the podcast.    

Pastor Mark Balmer preaches a message called "Two Roads Diverge" from Psalm 1.---Parkview Church exists to glorify God through the whole church forming whole disciples for the good of all people.Website: www.parkviewchurch.orgInstagram/Facebook: @parkviewchurchic

With the goal of revisiting the churches established on their first missionary journey, Paul and Barnabas find themselves in a dispute that results in them separating. Each found new partners and set out on the mission in different directions.

In this episode, I sit down with João Esteves, founder of DiVERGE Sneakers, a brand that's rewriting the rules of footwear from the ground up.   We discuss why customization matters, how DiVERGE puts the customer's individuality front and center, and what it truly takes to build a business rooted in purpose, not just profit.   João opens up about his entrepreneurial journey, including the emotional resilience required to stay the course and the people who believed in him when the business needed it most. From launching a brand inspired by a Robert Frost poem to becoming a B Corp committed to people and the planet, João shares how DiVERGE is challenging mass production and the wasteful norms of the fashion industry. We also dive into the brand's incredible social impact program that helps underprivileged youth design their own shoes and share their stories with the world.

Gold Continues To Diverge From Silver & Trade On Monetary Premium We're in the midst of one of the more fascinating days in gold and silver market history. As the gold futures are down $120, while silver is actually up 60 cents along with the stock markets. I'm not sure we've ever seen a divergence that extreme between the two metals before, and in today's show, Lynette Zang talks about how we're seeing gold trade at a monetary premium right now. To find out why, click to watch the video now! - To find out more about Lynette's business Zang Enterprises go to: https://www.lynettezang.com/ To find Lynette on twitter go to: https://x.com/TheLynetteZang - Get access to Arcadia's Daily Gold and Silver updates here: https://goldandsilverdaily.substack.com/ - To get your very own 'Silver Chopper Ben' statue go to: https://arcadiaeconomics.com/chopper-ben-landing-page/ - Join our free email list to be notified when a new video comes out: click here: https://arcadiaeconomics.com/email-signup/ - Follow Arcadia Economics on twitter at: https://x.com/ArcadiaEconomic - To get your copy of 'The Big Silver Short' (paperback or audio) go to: https://arcadiaeconomics.com/thebigsilvershort/ - Listen to Arcadia Economics on your favorite Podcast platforms: Spotify - https://open.spotify.com/show/75OH2PpgUpriBA5mYf5kyY Apple - https://podcasts.apple.com/us/podcast/arcadia-economics/id1505398976 - #silver #silverprice #gold And remember to get outside and have some fun every once in a while!:) (URL0VD) This video was sponsored by Silver Viper Minerals, and Arcadia Economics does receive compensation. For our full disclaimer go to: https://arcadiaeconomics.com/disclaimer-silver-viper-minerals/Subscribe to Arcadia Economics on Soundwise

Tariff talk is giving markets a fit, unable to price equities or make reasonable earnings estimates amidst the on-again, off-again tariff threats. The Atlanta Fed's GDPNow economic forecasting tool predicts an imminent recession, which is fueling investor angst. However, the New York and St. Louis Feds' Nowcast economic forecasts predict continued economic growth in the first quarter. Confused? Lance Roberts & Michael Lebowitz explore the GDPNow and Nowcast models to understand the recent forecast divergences. How do these affect economic forecasts for 2025? How do they align with recession predictions vs growth outlook and the Federal Reserve interest rate outlook? What should investors do when presented with conflicting economic indicators, and how should you factor-in market uncertainty analysis? Also a look at the impact of Gold on the trade deficit, and a look at the Debt Ceiling and X-Date. SEG-1: Tariff Talk & Sentiment Shift SEG-2: Bear Porn Nirvana SEG-3: GDP Now & Nowcast Divergencies SEG-4a: Impact of Gold on Trade Deficit SEG-4b: The Debt Ceiling and X-Date Hosted by RIA Advisors Chief Investment Strategist Lance Roberts, CIO, w Portfolio Manager Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer ------- REGISTER FOR OUR NEXT CANDID COFFEE (3/29/25) HERE: https://streamyard.com/watch/Gy68mipYram2 ------- Watch today's full show video here: https://www.youtube.com/watch?v=qizvC5xxIX0&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=1409s ------- Articles mentioned in this report: "Is The Correction Over?" https://realinvestmentadvice.com/resources/blog/is-the-correction-over/ ------- The latest installment of our new feature, Before the Bell, "Tariff Talk Tatters Traders," is here: https://www.youtube.com/watch?v=vNacMxVvnQA&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our previous show is here: "Is the Risk of Recession Rising?" https://www.youtube.com/watch?v=uLfl-tzH17k&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=1984s ------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #EconomicForecasts #GDPNow #Nowcast #MarketOutlook2025 #RecessionOrRecovery #InvestingInUncertainty #TariffTalk #AutomobileTariffs #EconomicOutlook #MarketRisk #FinancialTalk #InvestingInsights #StockMarketRally #BullMarket #InvestingTips #MarketTrends #FinancePodcast #MarketRally #MarketSellOff #MarketCorrection #MarketBottom #MarketVolatility #StockMarketUpdate #MarketCorrection #StockMarketUpdate #MarketCorrection #Investing2025 #Tesla #Savanna Bananas #FinancialNews #EconomicOutlook #FinanceTalk #InvestingTrends #InvestingAdvice #Money #Investing

Tariff talk is giving markets a fit, unable to price equities or make reasonable earnings estimates amidst the on-again, off-again tariff threats. The Atlanta Fed's GDPNow economic forecasting tool predicts an imminent recession, which is fueling investor angst. However, the New York and St. Louis Feds' Nowcast economic forecasts predict continued economic growth in the first quarter. Confused? Lance Roberts & Michael Lebowitz explore the GDPNow and Nowcast models to understand the recent forecast divergences. How do these affect economic forecasts for 2025? How do they align with recession predictions vs growth outlook and the Federal Reserve interest rate outlook? What should investors do when presented with conflicting economic indicators, and how should you factor-in market uncertainty analysis? Also a look at the impact of Gold on the trade deficit, and a look at the Debt Ceiling and X-Date.   SEG-1: Tariff Talk & Sentiment Shift SEG-2: Bear Porn Nirvana SEG-3: GDP Now & Nowcast Divergencies SEG-4a: Impact of Gold on Trade Deficit SEG-4b: The Debt Ceiling and X-Date Hosted by RIA Advisors Chief Investment Strategist Lance Roberts, CIO, w Portfolio Manager Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer ------- REGISTER FOR OUR NEXT CANDID COFFEE (3/29/25) HERE: https://streamyard.com/watch/Gy68mipYram2 ------- Watch today's full show video here: https://www.youtube.com/watch?v=qizvC5xxIX0&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=1409s ------- Articles mentioned in this report: "Is The Correction Over?" https://realinvestmentadvice.com/resources/blog/is-the-correction-over/ ------- The latest installment of our new feature, Before the Bell, "Tariff Talk Tatters Traders," is here:  https://www.youtube.com/watch?v=vNacMxVvnQA&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our previous show is here: "Is the Risk of Recession Rising?" https://www.youtube.com/watch?v=uLfl-tzH17k&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=1984s ------- Get more info & commentary:  https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #EconomicForecasts #GDPNow #Nowcast #MarketOutlook2025 #RecessionOrRecovery #InvestingInUncertainty #TariffTalk #AutomobileTariffs #EconomicOutlook #MarketRisk #FinancialTalk #InvestingInsights #StockMarketRally #BullMarket #InvestingTips #MarketTrends #FinancePodcast #MarketRally #MarketSellOff #MarketCorrection #MarketBottom #MarketVolatility #StockMarketUpdate #MarketCorrection #StockMarketUpdate #MarketCorrection #Investing2025 #Tesla #Savanna Bananas #FinancialNews #EconomicOutlook #FinanceTalk #InvestingTrends #InvestingAdvice #Money #Investing

The US is to impose 25% tariffs on all cars made outside of the US effective on April 2ndTrump reiterated that reciprocal tariffs are also set for next week but stated they will be lenientUpdates which weigh on European equities with Auto names lagging, US futures mixed/firmerDXY mixed with GBP outperforming in an attempted recovery from Wednesday's action while JPY lagsEGBs and USTs diverge as they focus on growth and inflationary implications of the latest rhetoric respectivelyCrude benchmarks lower, TTF choppy, XAU gains and base metals slipLooking ahead, highlights include US GDP & PCE Final (Q4), Jobless Claims, Japanese Tokyo CPI, Banxico Policy Announcement, Speakers including BoEʼs Dhingra, Fedʼs Collins & Barkin, ECBʼs Schnabel, de Guindos & Lagarde, Supply from the USClick for the Newsquawk Week Ahead.Read the full report covering Equities, Forex, Fixed Income, Commodites and more on Newsquawk

O post Bancada gaúcha diverge sobre valores de MPs aprovadas para ajudar na recuperação do Estado apareceu primeiro em Conteúdo Brasil 2025.

At the Paris AI Action Summit on February 10-11, remarks by EU and US leaders indicated significant divergence on how to think about AI. But on balance, nations are moving decisively toward innovation and exploitation of this technology and away from containing it or restricting it. In this episode, Justin Hendrix surfaces voices from the Summit, as well as reactions and discussion on these matters at this year's State of the Net conference on February 11 in Washington, DC, including comments by Center for Democracy & Technology vice president for policy Samir Jain, Abundance Institute head of AI policy Neil Chilson, and former Biden administration assistant director for AI policy Olivia Zhu.

Welcome to the latest edition of Liquidity Link Live, your exclusive market analysis provided by Northern Trust Asset Management, one of the world's largest cash managers. Tune in each month to discover the very latest insights on the UK, Eurozone and US markets. This edition was recorded on the 6th February 2025.

Could plan fiduciaries violate their duty of loyalty to plan participants despite a prudent process?  A recent federal judge says yes. Nevin (Adams) & Fred (Reish) discuss. Participant-plaintiff (and pilot) Bryan P. Spence filed suit in the U.S. District Court for the Northern District of Texas in June 2023 against Defendants American Airlines, Inc., American Airlines Employee Benefits Committee, Fidelity Investments Institutional, and Financial Engines Advisors, LLC (he subsequently dropped the latter two).  The suit alleged that they “breached their fiduciary duties in violation of ERISA by investing millions of dollars of American Airlines employees' retirement savings[i] with investment managers and investment funds that pursue leftist political agendas through environmental, social and governance (‘ESG') strategies, proxy voting, and shareholder activism—activities which fail to satisfy these fiduciaries' statutory duties to maximize financial benefits in the sole interest of the Plan participants.” And now—following a four-day bench trial during which there was “testimony from multiple witnesses and examined numerous exhibits,” a review of the record in its entirety and where the Court “has observed the witnesses to assess their credibility and weigh their testimony”—that same Judge O'Connor has now determined what appears to be an unusual divergence.  So, what's going on with this case, and what does/should it mean for retirement plan fiduciaries?  Nevin (Adams) and Fred (Reish) discuss.   Episode Resources: Judge Says American Airlines 401(k) Fiduciaries ‘Blinded' by ESG Focus

Kia ora,Welcome to Friday's Economy Watch where we follow the economic events and trends that affect Aotearoa/New Zealand.I'm David Chaston and this is the international edition from Interest.co.nz.And today we lead with news China and Japan seem to be in the process of swapping places.But first, following a much better than expected rise in October, and driven by fast-rising credit card debt, the November American consumer debt levels corrected in November, falling -US$7.5 bln. Again, it was a sharpish pullback in credit card debt that drove the surprise November result. On the other hand, nonrevolving credit, which includes car loans and mortgages, saw a still-modest +2% rise, after small increases of +0.7% in October and +0.4% in September.There were announced job cuts involving 39,000 American workers in December, much lower than November and only marginally different to December a year ago. For the full year employers announced 761,500 job cuts, the most since 2020, and prior to that pandemic year, the most since 2009. In 2024, 134,000 of those cuts were in the tech sector. But in terms of the 160 mln US labour market, these announced annual cut levels are a truly tiny 0.4%.Across the Pacific in China, we noted yesterday that authorities there seem to have instituted a hard peg for the official yuan exchange rate to the USD. Now they have to defend that in open markets. Overnight they announced a massive ¥60 bln bill issue in Hong Kong in an effort to build demand for their under-pressure currency.The battle against deflation is far from over too. China's annual consumer inflation rate edged down to +0.1% in December from +0.2% in November, aligning with estimates and marking the lowest rise since March. It is now at a nine-month low. The latest result came amid a slight decline in food prices and a modest rise in non-food costs. But beef prices were down -13.8% for the year, lamb prices down -6.1%, and milk prices were down -1.6%.Meanwhile, producer prices fell by -2.3% in December from a year ago, but that was their softest fall in four months. It was the expected fall.And perhaps we should also note that, although there was little movement in the past 24 hours, the 30 year Chinese bond yield at 1.89% is now lower than the equivalent Japanese government bond at 2.30%. While it is not the case for other tenors, the shifting directions are the same - China down and Japan up. China is turning Japanese, and Japan is shifting out of its hard deflationary cycle.In Japan, wages rose +3% in November from the same month a year ago, rising from the +2.6% increase seen in October and higher than market forecasts of a +2.7% gain. However, real wages adjusted for inflation and a key indicator of consumers' purchasing power fell by -0.3% year-on-year in November.In India, they have downgraded their fast economic growth estimates. After growing +8.2% in the year to June 2024, they now say that will 'slow' to +6.4% in the year to June 2025. Apart from the pandemic period, that will be their slowest expansion in more than a decade. While these expansion rates are still high by any standard, the worrying component for them is the fast slowdown in private investmentFrom the EU there was some positive economic news. Retail sales volumes - that is, after considering inflation's impact - were up +1.5% in November and to their best level since September 2022.In the UK, there are bond yield shifts too, some of them sharp. Their 30 yr Government bond is up to 5.46%, their 10 year up to 4.88%. That is more than +100 bps higher than a year ago. In just the past month their 10 yr is up from 4.37%. These 10 year benchmark levels are higher than either New Zealand or Australian equivalents now, and the shift up has caught financial market attention.Australian retail sales rose +4.1% in November from the same month a year ago, a positive 'real' gain. They were up stronger than that national average in Victoria, Queensland, and Western Australia. But the were only up +2.9% in NSW.Australian exports rose to AU$43.8 bln in November from October in a recent rising trend and boosted by strong rural exports. But at that level they are still -5.0% lower than in November 2023. Imports were also lower in November from a year ago. And their merchandise trade surplus was -AU$4.5 bln lower than in November 2023.The rush to get product from China to the US is in full swing now and commanding a premium on containerised freight rates. Those routes saw a +13% jump last week, which pushed the overall market up +2% for the week. Freight rates for other key routes are not on the move however. This special situation is expected to reverse within the next two weeks, and the global trade system's immediate outlook is quite uncertain. Bulk cargo rates fell -8% last week, and are now back to levels that prevailed in the mid-1980s.And an update on the US East Coast and Gulf waterfront labour dispute. The automation issue is settled and another strike is averted. On balance, employers lost. Markets have repriced equities lower for listed port operators. So US waterfront costs will stay higher than in most other port jurisdictions.The UST 10yr yield is now at just on 4.69%, and up +1 bp from yesterday.The price of gold will start today at US$2669/oz and up +US$18 from this time yesterday.Oil prices are back up +50 USc from this time yesterday at just on US$74/bbl in the US while the international Brent price is now just under US$77.The Kiwi dollar starts today just under 56 USc and down -10 bps from this time yesterday. Against the Aussie we are unchanged at 90.3 AUc. Against the euro we are down -10 bps at 54.3 euro cents. That all means our TWI-5 starts today at just under 66.9 but really little-changed from this time yesterday.The bitcoin price starts today at US$94,218 and down -0.5% from this time on yesterday. Volatility over the past 24 hours has been modest at +/- 1.9%.You can find links to the articles mentioned today in our show notes.You can get more news affecting the economy in New Zealand from interest.co.nz.Kia ora. I'm David Chaston. And we will do this again on Monday.

In this fascinating conversation with Dr. Elana Stein Hain we develop and challenge a creative and meaningful theory that compares Yosef's life trajectory to the figure of Kayin. Chazak, chazak, v'nitchazek! Our Shemot series titled, 'First Principles of Nationhood,' begins next week. If you live in Israel, come to our SPECIAL 200th episode EVENT in Meshek 48 on motzei shabbat, January 18 . Registration available on the Matan website. This week's episode has been sponsored in loving memory of Chaim Givati, Chaim ben Sarah V'Chai by his family on his first yahrzeit. To donate to Matan or sponsor a podcast episode, visit the Matan Website's DONATE page: https://www.matan.org.il/en/donatenow/

In this episode, Dr. Finlayson-Fife joins Tina Gosney of the "Coaching Your Family Relationships" podcast to discuss some of the challenges that parents face when their child steps away from family faith traditions and how parents can best support and love their children, even when their worldviews diverge.

From the open to the close, “Closing Bell” and “Closing Bell: Overtime” have you covered. From what's driving market moves to how investors are reacting, Scott Wapner, Jon Fortt, Morgan Brennan and Michael Santoli guide listeners through each trading session and bring to you some of the biggest names in business.

The false gospels diverge from the true in how they view the Law, Christ's life and death, and God's grace. Sermon Outline:I. Counterarguments against the false gospel (v. 17-18).II. Your relation to the Law and to Christ (v. 19-20).III. The proper place of God's grace and Christ's death (v. 21).

Send us a text We head to our Favorite Craft Beer bar, Hop Station and interview some random patrons and Michiana Native, MMA Fighter Mr Snuggles!! He is coming off a Victory just recently and decided to sit down with us and drink and have great conversations!!Drinks Drank: Cereal Killer by 2 Toms Brewing, Riawakamania IX by Hop Butcher for the World, and Diverge by Gnosis BrewingBeer Flights, Dive Bar Reviews and Top Shelf Fantasy Draft are the SegmentsShouts out to our sponsors:Hop Station Craft Beer Bar!Niles Brewing Company Theme Song by Lost Like Lions Remember to drink responsibly and if you need help, please reach out to someone if drinking is a problem.Don't forget to rate us 5 stars wherever you listen, it helps us a bunch!Drunk with Buds Merch!!! Click Here! Stay sexy.https://linktr.ee/drunkwithbudspodcastADULTALYTE!! Use our discount code: DrunkWithBuds for 20% OFF YOUR ORDER! Adultalyte is a new hangover cure for hangxiety, headaches, and fatigue! CLICK HERE! And use our discount code at checkout.COASTALO'S SODA! Urban Artifact has made a soda that has 5 MG of Hemp-Derived THC per can. It's also Gluten Free, vegan and has zero alcohol. CLICK THIS LINK to order some NOW and get it sent straight to your DOOR! Get whiskey that you've never had sent to your door on a quarterly basis with BLIND BARRELS. CLICK HERE and use our promo code "DRUNKWITHBUDS" for 10% off your subscription! Buy us a beer! Click the link below and support the show for 5$  Support the show

Politics can dominate headlines without creating meaningful consequence for financial markets. Escalating military action in the Middle East is an example. Investors are likely to focus on consequences for oil prices and safe-haven flows, which seem muted for now. The success of the far-right in Austria's weekend elections may be a larger investor concern. The global trend toward prejudice politics risks disrupting global trade and capital flow in the near term, and undermining the benefits of technological change in the longer term.

If Vice President Kamala Harris succeeds in taking President Joe Biden's place as the Democrats' 2024 presidential nominee, she may seek to craft a more assertive environmental agenda than her current boss has. POLITICO's Kelsey Tamborrino breaks down how Kamala Harris' climate ambitions could exceed Biden's. Plus, Senate Energy Chair Joe Manchin and ranking member Sen. John Barrasso struck a deal on a bill to update permitting rules to speed the development of energy infrastructure.   For more news on energy and the environment, subscribe to Power Switch, our free evening newsletter: https://www.politico.com/power-switch And for even deeper coverage and analysis, read our Morning Energy newsletter by subscribing to POLITICO Pro:  https://subscriber.politicopro.com/newsletter-archive/morning-energy   Kelsey Tamborrino is a reporter covering clean energy for POLITICO. Josh Siegel is an energy reporter for POLITICO.  Nirmal Mulaikal is a POLITICO audio host-producer.  Annie Rees is the managing producer for audio at POLITICO. Gloria Gonzalez is the deputy energy editor for POLITICO.  Matt Daily is the energy editor for POLITICO.

Welcome back to the lounge. This episode is speaking on how we can build on existing systems but use methods to ensure they are impactful and stand the test of time. We conclude our conversation with Shétu Rose, Co-CEO and Co-founder, Diverge Finance Cooperative. An international nonprofit veteran with 20 years of financial management experience, Shétu is a co-founder and co-CEO at Diverge. Her path in finance includes accounting and leadership roles in NGOs and nonprofits across Europe, West Africa, and the U.S.A. Connect with SistasLetsTalk: Video Podcast here Website: www.Sltpodcast.com Facebook: facebook.com/sistasletstalk Instagram: instagram.com/sistas_letstalk Subscribe and listen to the Sistasletstalk Media Podcast HERE:

NGO vs Buisiness; which is the solution to poverty? This week we bring you our conversation with Shétu Rose, Co-CEO and Co-founder, Diverge Finance Cooperative An international nonprofit veteran with 20 years of financial management experience, Shétu is a co-founder and co-CEO at Diverge. Her path in finance includes accounting and leadership roles in NGOs and nonprofits across Europe, West Africa, and the U.S.A. Connect with SistasLetsTalk: Video Podcast here Website: www.Sltpodcast.com Facebook: facebook.com/sistasletstalk Instagram: instagram.com/sistas_letstalk Subscribe and listen to the Sistasletstalk Media Podcast HERE:

On today's Off & On The Clock, Pete, Jon, and Nez discuss the fast fast draft meta, where Fantasy Life projections differ from ADP, and strategy for The Sprint contest on Underdog Fantasy.

The growing divergence between corporate bonds and equities could signal two things, according to our market guest, and neither of them is particularly good. Plus, investors are starting to question travel stock multiples as prices begin to crack. We'll check in with the CEO of one of the largest global hotel brands. And we're tackling stock splits in 3 Buys & A Bail with KKM's Jeff Kilburg.

Allan Small, senior investment adviser at IA Private Wealth  Learn more about your ad choices. Visit megaphone.fm/adchoices

Commodities rising across the board, as oil, metals, and agricultural prices all climb. But as those all head higher, rates continue to fall. What the moves could be saying about the market. Plus Eli Lilly's Alzheimer's treatment raising some eyebrows at the FDA. What regulators are flagging, and how it could impact the future of the drug. Fast Money Disclaimer

Welcome to Real Life... Church for Everyone. As we gather this week both in-person and remotely, join us, with Jim Miller. and today's message entitled, "Two Roads Diverge." TODAY'S MESSAGE "The Sermon on the Mount, Jesus' most famous sermon, is a counter-cultural, counter-instinctive introduction to the principles of a whole new world. Following Jesus changes everything, and nowhere is it more clear. Today Jesus calls us make a decision." WE WELCOME YOU... ...each week, join us via our Sunday Sermon podcast, on online broadcast on Facebook & YouTube every Sunday morning, or in person at Real Life | LA. Visit reallife.la to learn more, request prayer, or to connect directly with someone at Real Life. May God bless you in miraculous ways today!

Today's Topics:1. Sound Signature Review 6.146 – the Mercy Pluto on the CZ 452 16-in .22LR bolt-action. This is the technical discussion of the white paper published last week! (00:13:42)2. Sound Signature Review 6.147 – the Combat Application Technologies CAT/JL/A1. The CAT JL on supersonic .308. Introductory discussion of this advanced system, and a first-look at the CAT SNIPER2 technology. (00:57:28)3. Sound Signature Review 6.148 – the Combat Application Technologies CAT/MOB/A1. The CAT MOB on the HK MP5. Introductory discussion of this extremely interesting system, and a first-look at another CAT technology; DiVerge. (01:16:46)Sponsored by - High End Armament Technology, Top Gun Range Houston, Legion Athletics, and the PEW Science Laboratory!Legion Athletics: use code pewscience for 20% off your first order and double points!Ammo from True Shot: Click Here! (use code pewscience for $20 off the A-Zone program)Magpul: Use code PSTEN to receive $10 off your order of $100 or more at Magpul

First: One nominee is talking to voters in a must-win swing state, while the other is inside a courtroom in a must-win criminal case.  Plus: "An obstacle to peace." That's how Chuck Schumer describes Benjamin Netanyahu, calling for new elections in Israel  And: Former Treasury Secretary Steve Mnuchin says if Congress forces TikTok's Chinese owner to sell, he wants in.  Learn more about your ad choices. Visit podcastchoices.com/adchoices

Spilling the tea on some hard situations I have experienced in terms of friendships. I have learned so much and I hope that this revelation, call to action and loving wisdom challenges you to evaluate your friendships and most importantly pray for the courage, words and timing with yours. God says there is a time for everything and even in friendships there can be an end. Be blessed. 

In this week's episode of the Coin Stories News Block powered by Bitdeer (NASDAQ: BTDR), we cover the major headlines related to Bitcoin and global finance: Bitcoin Retakes $1 Trillion Market Cap  Bitcoin and Gold ETF Flows Diverge Spot Bitcoin ETFs Could Surpass Gold ETF Market Cap Joe Kernen Defends Bitcoin Against SEC Chair Gensler on CNBC  Research Concludes 51% Attack of Bitcoin Network is “Unfeasible”  Julian Assange Faces Possible Extradition    ---- References mentioned in the episode:  Bitcoin Eclipses One Trillion Dollar Market Cap Coinbase's Retail Trading Volume Still 85% Off Peak  Bitcoin ETFs See Record-Breaking Inflows Fred Krueger Predicts Bitcoin ETFs Will Surpass Gold ETFsCoin Stories Interview with Col. Douglas Macgregor Joe Kernan Debates Gary Gensler on CNBC US Treasury Debunks Claim Bitcoin Used By Terrorists  Research Paper Concludes 51% Attack is “Unfeasible” Andreas Antonopoulos Describes 51% Attack  Julian Assange Speaks on Bitcoin from 2014 Julian Assange Faces Possible Extradition Stella Assange Gives Bitcoin Amsterdam Keynote ---- The News Block is powered exclusively by Bitdeer Technologies Group (NASDAQ: BTDR), a publicly-traded leader in Bitcoin mining that stands alone as the only vertically-integrated, technology-focused Bitcoin mining company. Learn more at www.bitdeer.com.  ---- This podcast is for educational purposes and should not be construed as official investment advice. ---- #money #Bitcoin #investing

This week Dr. Donut & The Dingus discuss their own "Two roads diverged in a yellow wood" decision that changed the whole course of their lives.  You're Welcome.THE ROAD NOT TAKEN by Robert FrostTwo roads diverged in a yellow wood,And sorry I could not travel bothAnd be one traveler, long I stoodAnd looked down one as far as I couldTo where it bent in the undergrowth;Then took the other, as just as fair,And having perhaps the better claim,Because it was grassy and wanted wear;Though as for that the passing thereHad worn them really about the same,And both that morning equally layIn leaves no step had trodden black.Oh, I kept the first for another day!Yet knowing how way leads on to way,I doubted if I should ever come back.I shall be telling this with a sighSomewhere ages and ages hence:Two roads diverged in a wood, and I—I took the one less traveled by,And that has made all the difference.

The Egyptian regime would hardly shed any tears if Hamas – which they view like the outlawed Muslim brotherhood – was destroyed. Yet Cairo is threatening to abrogate the historic peace treaty with Israel if the IDF goes through with its planned invasion of Rafah and takeover of the Philadelphia corridor along the frontier. Ruth Wasserman Lande, a former member of Knesset and deputy ambassador to Egypt and today a research fellow at the Misgav Institute for National Security, said that Israel needs to beef up its strategic dialogue with Egypt. She outlined to reporter Arieh O'Sullivan some of Israel's leverages it can exercise with Egypt. (photo: Tsafrir Abayov/AP)See omnystudio.com/listener for privacy information.

Adriana Fernandes repercute os principais acontecimentos econômicos na coluna Põe na Conta, no Jornal Eldorado, de 2ª, 4ª e 6ª, às 7h35.See omnystudio.com/listener for privacy information.

Sermon Series: John: Life in His Name | Passage: John 6:59-71

BECOME A FANDJ Brian Maier is on FaceBook, TwitterSOUNDCLOUDStream to mobile devicesAPPLE PODCASTSPodcast downloads available post release date1. Elohim, Walker & Royce, Glass Petals - Stop Time2. Mayor Levi, Brandon Vendetta - Alone3. Hugo Cantarra, Taim - What Did You Say4. Yotto - Fire Walk5. Delirium - Silence (Stone/Pete K Mix)6. Moon Boots - Come Back Around (Romain Garcia Mix)7. Above & Beyond - Black Room Boy (Kasablanca Mix)8. Robyn, JODA - Closer (Simon Doty Mix)9. Quiver, Dave Seaman - Liquid Nights10. MAXI, James - Don't Care Anymore11. Swedish House Mafia, Adriatique - Moth To A Flame12. Enamour - Ruby13. Harry Diamond - Home (Extended Mix)14. Tinlicker - Nothing Without You15. Fioretti - Soave16. UOAK - Scent of Wood (Bound to Divide Mix)17. Sasha, Because of Art - Fused18. Trance Wax - Rhythm of the Night19. Manuel Saharan - Feel Alright (Fred Everything Mix)20. Marsh - Hymn (Cattaneo & Simply City Mix)21. Lauren L'aimant - Tears22. Kasablanca > - Hold Me Close23. My Friend - Great White Buffalo24. Paul Thomas - Lumineux25. CRi, Bob Moses - Hanging On (CRi Remix)26. Andhim - Branka27. Elderbrook - Tied To You (Yotto Mix)28. Above & Beyond - Screwdriver (Jono Summer of '95 Mix)29. Franky Way - Alone30. D-Formation, GRAZZE - The Sun & The Sky  31. Simon Doty, My Friend - Am I The Only One?32. Dosem, My Friend - Blue Marble33. Vintage & Morelli - Away34. Jamie Stevens - The Rip (Paul Deep Basement Remix)35. Dilby - Trippin'36. Oliver Koletzki - Stay Until The Light (Biesmans Mix)37. Estiva - On The Line38. Prada - The Return39. Tinlicker - Starchaser40. Sebastian Sellares - Epiphany In The Woods (Simply City's Mix)

Like people, businesses grow and change over time. Sometimes the shape that takes no longer fits the lifestyle of the people running the business. Today, we're sharing some important updates to The Product Boss, why they are happening, and what you can learn from them.Resources:Learn about about Minna's next journey at CueTheClarity.comConnect:Website: theproductboss.comInstagram: @theproductbossMentioned in this episode:HubspotGet Started for Free with Hubspot CRM!HubSpot CRMImperfect ActionListen to Imperfect Action, hosted by Steph TaylorImperfect Action

In this week's edition of the Bloomberg podcast, a Bloomberg Intelligence analyst discusses the findings and impacts of his research:  Peak Oil Demand Delayed, Energy Transition to Slow -- Salih Yilmaz lays out the results of a survey anticipating delays in peak oil demand and electric-vehicle adoption. Boeing 2024 Outlook: Maximizing Recovery With Deliveries -- George Ferguson says the 737 Max is the key to Boeing's turnaround.     Deep Dive: Global Auto Profits Split; China Gains as EU, US Fall -- Steve Man lays out the diverging paths for the world's automakers as EVs change the game. Deep Dive: Sizing Generative AI's Trillion-Dollar Market -- Mandeep Singh digs into how AI will ripple through every segment of the technology sector. Regional Banks' Book Values — Herman Chan breaks down the numbers The Bloomberg Intelligence radio show with Paul Sweeney and Alix Steel podcasts through Apple's iTunes, Spotify and Luminary. It broadcasts on Saturdays and Sundays at noon on Bloomberg's flagship station WBBR (1130 AM) in New York, 106.1 FM/1330 AM in Boston, 99.1 FM in Washington, 960 AM in the San Francisco area, channel 119 on SiriusXM, www.bloombergradio.com, and iPhone and Android mobile apps. Bloomberg Intelligence, the research arm of Bloomberg L.P., has more than 400 professionals who provide in-depth analysis on more than 2,000 companies and 135 industries while considering strategic, equity and credit perspectives. BI also provides interactive data from over 500 independent contributors. It is available exclusively for Bloomberg Terminal subscribers. Run BI .  See omnystudio.com/listener for privacy information.

It's already proving a very busy September for artificial intelligence (AI) regulation, with tech billionaires meeting US lawmakers, the EU wrangling over a landmark law and the UK concerned that AI might end life as we know it.

On this week's episode of Currently Reading, Kaytee and Roxanna are discussing: Bookish Moments: new library cards and new projects Current Reads: so many books we convinced each other to read Deep Dive: tropes that we usually like, but might diverge into something we hate The Fountain: we visit our perfect fountain to make wishes about our reading lives As per usual, time-stamped show notes are below with references to every book and resource we mentioned in this episode. If you'd like to listen first and not spoil the surprise, don't scroll down!  We are now including transcripts of the episode (this link only works on the main site). The goal here is to increase accessibility for our fans! *Please note that all book titles linked below are Bookshop affiliate links. Your cost is the same, but a small portion of your purchase will come back to us to help offset the costs of the show. If you'd prefer to shop on Amazon, you can still do so here through our main storefront. Anything you buy there (even your laundry detergent, if you recently got obsessed with switching up your laundry game) kicks a small amount back to us. Thanks for your support!*   . . . . 2:16 - Our Bookish Moments of the Week 3:30 - Roxanna's Substack The Purpose Project 3:36 - Roxannathereader on Instagram 8:31 - Current Reads 8:52 - Again, Rachel by Marian Keyes (Roxanna) 8:58 - Rachel's Holiday by Marian Keyes 12:44 - Maybe You Should Talk To Someone by Lori Gottlieb 15:06 - Sushi for Beginners by Marian Keyes 15:44 - Beneath the Swirling Sky by Carolyn Leiloglou (Kaytee) 18:25 - Currently Reading Patreon 21:38 - The Perfumist of Paris by Alka Joshi (Roxanna) 21:46 - The Henna Artist by Alka Joshi 21:49 - The Secret Keeper of Jaipur by Alka Joshi 27:08 - The Scent Keeper by Erica Bauermeister 28:11 - I Feel Bad About My Neck by Nora Ephron (Kaytee) 32:13 - Open Book by Jessica Simpson (Roxanna) 38:47 - The Monsters We Defy by Leslye Penelope (Kaytee) 38:53 - Back of Beyond Books 41:02 - Portrait of a Thief by Grace D. Li 42:26 - Deep Dive: Two Tropes Diverge In A Wood 43:30 - Happiness for Beginners by Katherine Center 43:32 - Again, Rachel by Marian Keyes 43:33 - The Shell Seekers by Rosamunde Pilcher 44:07 - The Nest by Cynthia D'Aprix Sweeney 44:08 - Pineapple Street by Jenny Jackson 45:26 - Maame by Jessica George 45:54 - Sea Change by Gina Chung 47:16 - Notes From A Young Black Chef by Kwame Onwauchi 47:44 - Open Book by Jessica Simpson 51:44 - Search by Michelle Huneven 51:51 - House of Brede by Rumer Godden 53:25 - The Monsters We Defy by Leslye Penelope 54:07 - The Mermaid, The Witch and the Sea by Maggie Tokuda-Hall 54:14 - Immortal Longings by Chloe Gong 56:25 - City of Brass by S.A. Chakraborty 58:00 - Nora Goes Off Script by Ananbel Monaghan  1:00:10 - Wish You Were Here by Jodi Picoult  1:01:13 - Life of Pi by Yann Martel 1:01:25 - Gone Girl by Gillian Flynn 1:03:21 - Meet Us At The Fountain 1:03:53 - I wish everyone would check out the William Hannah Notebook (Roxanna) 1:03:54 - William Hannah Limited 1:07:14 - Filofax 1:08:06 - I wish I could give out staff picks like a bookstore employee (Kaytee) 1:09:07 - The Scent Keeper by Erica Bauermeister 1:09:08 - The Perfumist of Paris by Alka Joshi Connect With Us: Meredith is @meredithmondayschwartz on Instagram Kaytee is @notesonbookmarks on Instagram Mary is @maryreadsandsips on Instagram Roxanna is @roxannatheplanner on Instagram currentlyreadingpodcast.com @currentlyreadingpodcast on Instagram currentlyreadingpodcast@gmail.com Support us at patreon.com/currentlyreadingpodcastand www.zazzle.com/store/currentlyreading  

BP's quarterly profit plummets 70 percent; Toyota reports record quarterly profit; U.S. job openings total 9.6 million; X, formerly Twitter, sued nonprofit that combats hate speech To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

O presidente da Câmara, Arthur Lira, segue com intenção de votar a Reforma Tributária nesta semana. Segundo o deputado, o assunto será colocado em discussão no plenário da Casa hoje.   O Papo Antagonista, comandado por Felipe Moura Brasil, comenta as negociações envolvendo o texto, a novela em torno da provável saída de Daniela Carneiro do Ministério do Turismo do governo Lula e muito mais. Ser Antagonista é fiscalizar o poder.  Aqui você encontra, em nossos programas, os bastidores do poder e análises exclusivas.  Assine o combo O Antagonista + Crusoé  https://bit.ly/assineoantagonista Inscreva-se e receba a newsletter:  https://bit.ly/2Gl9AdL Você pode entrar em contato conosco pelo e-mail:  assinante@oantagonista.com Confira mais notícias em nosso site:  https://oantagonista.uol.com.br/ https://crusoe.uol.com.br/ Acompanhe nossas redes sociais:  https://www.fb.com/oantagonista​ https://www.twitter.com/o_antagonista ​https://www.instagram.com/o_antagonista https://www.tiktok.com/@oantagonista_oficial No Youtube deixe seu like e se inscreva no canal: https://www.youtube.com/c/OAntagonista

Today's lesson: “Before you shut off new sources of information and converge on an end result, take time to diverge. Expand your horizons, expose yourself to diverse influences, and collect anything that resonates with you.” Tiago Forte is the author of “Building a Second Brain: A Proven Method to Organize Your Digital Life and Unlock Your Creative Potential.”

Goldman Sachs profits fell due to weakness in investment banking; Bank of America's profits grew mostly thanks to higher interest rates on consumer loans; Home builders remained cautious in March; Supreme Court takes up religious discrimination claim against Postal Service To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices