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We all love winners. We love hearing about the big wins and the perfect track records. It feels good. It feels safe. It instills us with a sense of trust. But I've been in business long enough to know that virtually all individuals who are long-term winners have had profound moments of failure from which they learned invaluable lessons. Those are the people I really want to hear from. They have the kind of knowledge we all need as we navigate through life. It's called wisdom. Surgeons have a saying: “If you've never had a complication, you haven't done enough surgery.” In my surgeon days, I had a handful of complications. Let me tell you—they are no fun. You stay up at night replaying things in your mind, trying to figure out how you could have done things differently—how you could have had a better outcome. Even when unavoidable, those complications teach you something you'll never get from textbooks. It's been no different for me when it comes to business and investing. But I take comfort in knowing that even the greatest investors of all time had their moments of failure and rose from the ashes stronger and wiser. Warren Buffett. Ray Dalio. Every big winner has a story of failure. And while it may be cliché to say that we learn best from mistakes, I truly believe it. The good news is that those mistakes don't have to be our own. Learning from other people's mistakes can be just as effective. This week's episode of the Wealth Formula Podcast is with Russell Gray—a guy many of you already know from his podcasting and radio career. Russ lived through 2008 up close. He took a beating, and he talks openly about what went wrong. But that period also changed the way he sees the world—in a good way. It changed how he thinks about risk, leverage, and what actually matters when things stop going up. That mindset is a big reason he's been successful since then. It's a conversation worth your time. Transcript Disclaimer: This transcript was generated by AI and may not be 100% accurate. If you notice any errors or corrections, please email us at phil@wealthformula.com. If you let the debt run, at some point you fall into a debt trap where the interest on the outstanding debt consumes all of the available discretionary income, and then you’re borrowing just to service the debt. Welcome everybody. This is Buck Joffrey with the Wealth Formula Podcast coming to you from Montecito, California. Before we begin today, I wanna remind you there’s website associated with this. Podcast called wealthformula.com. It’s where you will go if you would like to, uh, become more, uh, ingrained with the community, including getting on some of our lists such as the Accredit Investor Club. Of course, it is a new year and there are new deal flows coming through. Lots of opportunities that you won’t see anywhere else if you are a, an accredit investor, which means you. Make at least $200,000 per year for the last couple years with a reasonable expectation of doing so in the future. That’s 300,000 if you’re filing jointly or you have a million dollars of net worth outside of your personal residence. If you, uh, meet those criteria, you are an accredited investor. Congratulations. You don’t have to apply for anything, whatever, but you do need to go to wealthformula.com. Sign up for the Accredited Investor Club, get onboarded. And all you do at that point is look at deal flow, and if nothing else, you’ll learn something. So check it out. And who doesn’t want to be part of a club? Now let’s talk, uh, a little bit about today’s show. You know, um, we all love winners, right? We love hearing about big wins, the perfect track record. It feels good. It feels safe, gives us a sense of trust. But the thing is, I’ve been in business long enough to know that virtually all individuals who are, what you would call long-term winners, have had profound moments of failure from which they learned, um, invaluable lessons. So those are the people that I really like to hear from. You know, they have the kind of knowledge we all need that as we navigate through all of life, and it’s called wisdom. Um, surgeons, as you know, I’m an ex surgeon. Have a saying, if you’ve never had a complication, you haven’t done enough surgery. Uh, in my surgery days, I certainly, you know, had a handful of complications just like anyone else who did a lot of surgery. And, and lemme tell you, there, there are no fun, right? So you stay up at night replying things in your mind, trying to figure out how you could have done things differently, how you could have had a better outcome. And sometimes you realize that those mistakes were unavoidable, but. You still learn something from them. And in these cases, you always learn something that you’re not gonna get from the textbooks, just from reading something. And you know what, it’s been no different for me when it comes to business and, and investing, but I, I take comfort in the fact, uh, that even the greatest investors of all time had their moments of failure and arose from the ashes stronger and wiser. All you have to do is look up stories of Warren Buffet and Ray Dalio. And Ray Dalio basically lost everything at one point, uh, because he, you know, he had a macro prediction that went completely south. But listen, uh, the, the point I’m trying to make here is that every big winner, every big winner I know of as a story of failure. And while it may be cliche to say, you know what we learned best from our mistakes, I, I truly believe that. But the good news is that those mistakes don’t have to be our own, right? So you can learn from other people’s mistakes as well, and that can be just as effective. Uh, so this week’s episode of Well, formula Podcast is featuring a guy that you may know. His name is Russell Gray. Russ, uh, has been around a long time, uh, in the podcasting world. And radio. You know, he talks a lot. He’s talked many times to me at least about living through 2008. And you know what that was like, the beating he took and, you know, what went wrong? Uh, you know, it’s, it’s something that he talks about because, you know, he’s a successful guy and that period in time changed. You know, the way he sees the world, the way in which he behaves in that world. How he thinks about things like risk and leverage and you know, what actually matters when things stop going up. Uh, it’s a mindset thing and it’s important. Um, and we also obviously talk about other things as well, such as, uh, Russ’s current take on the economy. Uh, so anyway, it’s a, a good conversation and it’s one that you’re gonna wanna listen to, and we’ll have that for you right after these messages. 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Welcome back to Show Everyone. Today my guest on Wealth Formula podcast is Russell Gray. He’s a second generation financial strategist and, uh, you may know him from being a, the former co-host of the Real Estate Guy Radio Show, which is one of the longest running, uh, uh, radio shows of its time, uh, in the United States. He’s, he’s a founder of. Raising Capitalist project, which is an initiative focused on helping aspiring investors and entrepreneurs how to better understand how wealth is actually created and how uh, economic systems really work. Uh, he’s best known for his emphasis on real assets, cash flow, economic cycles, and preserving wealth and what he views as an increasingly fragile financial system. Welcome, Ross. How are you? Good buck, happy to be here. And, uh, proud of your success on your show. I remember way back at the beginning you were like, Hey, I wanna start a podcast. Yeah. Yep. You’ve done a great job. Yeah, it was an idea. I was like, here’s the idea. Start a podcast, build a community, all that kind of stuff. But it’s interesting. Uh, well, and let’s talk about what’s going on now. You’ve spent decades teaching people about, you know, real assets and cash flow. But lately your writings feel more focused on systems and and macro forces. So what’s changed? Has something finally become too big to ignore? Well, I think there’s two things you know personally, uh, most people who have heard of me or followed me know that 2008 wasn’t kind to me. I was in the mortgage business. I was very leveraged into real estate all over the place. Had my businesses for cash flow, had the real estate for equity growth. Believed that real estate was hyper resilient and gonna be the beneficiary of inflation. Didn’t understand the dependency on credit markets in both my business and my portfolio. And so that was a big mess, not doing, uh, a real SWOT analysis and understanding. And the third part of that, that was tough, is that I operated the business primarily on credit lines as well. So I had virtually no cash. And so when the credit markets seized up. Canceled my income, it canceled my credit lines and it evaporated my equity. And now all I had was negative cash flow on debt, on real estate. I couldn’t control. And so I looked at that and I said to myself, you know, I’m a pretty smart guy. I. Pride myself on paying attention. So obviously I’m not paying attention to the right thing. So I became obsessed with the macro, uh, picture and, and the financial system, which, you know, to me it’s, it’s the macro economy is what’s going on with, uh. Geopolitics and the energy and, you know, even policy, uh, that affects, uh, how well money can flow through the system. Both monetary policy from the Federal Reserve and fiscal policy from the government now today in the Trump administration trade policy. And so I began to pay attention to all those things, but from the standpoint of not how it was gonna affect the stock market, but how it was gonna affect the bond market and interest rates and the availability of credit, and how it was gonna affect Main Street. Directly and specifically now in terms of jobs and job creation are real wages. And so when I started really looking at all that, um, I, I, I realized that there were some things happening that were gonna be really good, and there were also some things that we needed to pay attention to. And these things move very slowly. So in 2010. I saw that coming outta the financial crisis, the Chinese were very upset with the United States about how much the Fed Balance sheet was expanding, and they were concerned about their very large investment in US dollar denominated. Bonds, and so they began creating bilateral trade agreements with Russia and many other countries to where they could begin this large process of de Dollarizing. Well, that was the first time I’d seen that movie, because it was the same thing that the Europeans did after they saw the Nixon default. Right? They began working on the Euro, which took ’em from 71, 72 when they started, maybe 74 when they started, but it took ’em till 99 to get it done. But you know, once they got it in place, over time, the Euro, the Euro has taken over 20% of global trade. You know, that’s market share from the US dollar. And so I saw this BrickX thing beginning to form. Uh, and then I saw the other thing on the macro that I thought was gonna be really good was in the jobs act, something you’ve benefited from as a syndicator, we. I wrote that report, new law breaks Wall Street Monopoly. And so, uh, even though I, I can’t tell you I was a big fan of Barack Obama, but he signed that legislation that happened on his watch. And I think it was fantastic because now it allowed Main Street syndicators, main Street Capital raisers to advertise for accredited investors and began to really, uh, level that playing field and open up Main Street, uh, to invest directly in Main Street. And so I met you in the syndication program that we put together with the real estate guys to coach real estate investors on how to become capital raisers to, to capitalize on that trend. So that’s, you know, kind of how I kind of became doing what I’m doing. And then when I decided, uh, just about 20 months ago to depart the real estate guys, I wanted to take some of the things that I originally set out to do when I first met Robert Helms way back in the day. And, you know, as relationships go, you know, he has his interest in the things that he wants to do, and I had my interest in things I came to do. And for a long time we were aligned well enough to continue to work together. But it got to a point where, for me, I, I wanted to go off in a different direction, and part of that was driven. By the, the death of my late wife. Uh, you had me on the show right after that happened to me, and I was going through this like, who am I? Why am I here? What am I supposed to do next? What do I really want to get done before I die? And so all of those things kind of informed my personal decisions to, to make a switch. And then of course, what’s going on in the macro. Um, what I saw with Trump 1.0, what I saw in the Biden administration and those policies, and then what I thought would happen in Trump 2.0. And I did a presentation on this at the best ever conference in March of 2025, right after he’d been inaugurated. And, and so, uh, that, that’s kind of has me where I feel like there’s some real opportunity coming. Uh, there’s also some things we need to be aware of on Main Street. Yeah. So you’re bullish on Main Street in general, but you’ve been pretty cautious about the broader financial system. So, uh, what are the things that you’re worried about? Well, I, I think if you understand the way the financial system works, uh, it has a shelf life and that. It’s because it’s, it’s a system that is, depends upon ever increasing debt. Um, people say, I wanna pay the debt off, but if they, if they really understood the system, at least the way I think I understand it, uh, and I’m not alone in this, so it’s not something I just figured out on my own. But, um, you know. I, I don’t want to sit here and pretend like I’m the world’s foremost expert, but the way I understand the way the system works is that it, it requires ever increasing debt, and if we were to pay the debt off, it would collapse the system. So I think you waste a lot of time and energy and from a policy perspective, trying to argue about doing that. And I think that’s why it’s never, ever, no matter what administration, what politician, what mix of congress, what. Pressure there is everywhere globally. The system, the central banking system, the way it works globally, is designed to create ever increasing debt. So the, the flip side of that then is to let the debt run. And if you let the debt run, at some point you fall into a debt trap where the interest on the outstanding debt consumes all of the available discretionary income. And then you’re borrowing just to service the debt. Yeah, that’s about $1 trillion right now, by the way. Which is. Which is, uh, about the, the, the defense, uh, budget. Well, and I think that the bigger thing is when you look at, at the interest on the debt and mandatory spending, there’s virtually no room left after that. So if you’ve got, you’ve got the mandatory spending and you’ve got, um, debt service, you, you have very little room. So it’s not. Feasible either for two reasons. One is there’s just not enough discretionary room to be able to cut expenses enough to, to ever manage the debt. Number two, as I previously mentioned, if we were ever to effectively try to pay down the debt in any appreciable way, it would crash the the system. So the, the way I look at it is it’s, it’s, it’s got to be replaced. There’s going to be a great reset. I think the World Economic Forum was trying to set that up for the world, and they had an agenda. I’m, I’m not particularly fond of. Um, there’s been talk about creating a central bank digital currency, which I think is what, you know, the Federal Reserve and the, what I all call the wizards, uh, or the powers of B would prefer. Uh, but I think if you care about privacy and, and, you know, individual sovereignty, uh, and, and just personal freedom, um, I have a lot of concerns about a central bank digital currency. Um, I think the popularity of Bitcoin, uh, if it was, you know, and who knows what the. True origins were, but let’s just take it at face value. I think a lot of the people, at least that were the early adopters before it had the big price run up, was just a way to escape, uh, the system before it failed. And so you’ve got that. And then you’ve got, again, as I mentioned, the bricks and this global effort to de dollarize, which was I think really kicked off. After the great financial crisis and the massive expansion of the Fed’s balance sheet. And then I think picked up a little steam when we froze Russian assets and people began to see that the US might use the dollar and the dollar system, uh, for political instead of being neutral. And I think that picked up some steam. And, and so there’s, there’s both a geopolitical drive to. Uh, come up with a new system. There is, I think we’re at the end of a shelf life that some type of a new system is gonna have to be, uh, created. Uh, and, and then you look at what Donald Trump is doing and what he’s espousing. You know, let’s get rid of income taxes. Let’s get back to pulling in, uh, revenue from tariffs the way the country was originally founded. Uh, he’s talked about eliminating the IRS and going with an ERS, an external revenue service. There’s people that think that he might beat. Wanting to try to get back on some form of sound money, you know, coming out of, Hey, let’s audit the Fed, let’s audit the gold. I mean, let’s audit the gold. And, um, so, you know, we, you, you never know what what’s really gonna happen, but, but I think what we have to pay attention to are the signs that the system is beginning to break down. And one of those signs that I pay a lot of attention to is monetary, metals, gold and silver. I make a distinction between precious metals, which would also include platinum and palladium, and of course they’re strategic metals, but I just focus on monetary metals, which would be gold and silver, and gold and silver. We’re telling you that people would prefer to be the, the, the safe ha haven asset is no longer us treasuries, but, um, but, but gold and central banks have been driving a lot of it. This isn’t the retail market driving it yet. It, it’s really central banks have been accumulating. And so those are the ultimate insiders when it comes to currency. And if the insiders in the currency markets are repositioning into gold, uh, I’d, I’d call that a clue. Yeah, absolutely. Um. Yeah. You recently commented on the public criticism, president Donald Trump made toward, uh, uh, Peter Schiff. What stood out to you about that exchange? Maybe give us some background people. Not everybody knows who Peter is and, and, uh. And all that. So, yeah. Well, I mean, as you know, I’ve known Peter for 12 or 13 years and, uh, I had read his father’s work way back in the day. He is a very famous in the tax protestor world as somebody who just believed that income taxes were unconstitutional. And he resisted that and ended up going to jail for, died in jail as a matter of fact. And so that was, uh, I think sad. Um. But, but to me it felt like a little bit of being a political prisoner, but be that as it may, that’s how I got to know Peter. And so Peter is a guy that comes from the Austrian School of Economics and he believes in sound money. He believes in gold. He does not like Bitcoin. I’ve sat on panels the last two years with Peter, uh, in between him and Larry Lepard. And you know, Larry is a, a former gold guy. He’s still not opposed to gold, but he’s a hardcore sound money guy. But he likes Bitcoin. Peter hates Bitcoin and they get into it, and I usually sit in between ’em and try to keep things calm. Well, you know, so Peter ended up going on Fox and Friends, uh, I think on whatever it was, Friday the eighth I think it was, or whatever, whatever day that was. And he, he criticized Donald Trump’s spending. And, um, budget deficits and said that it would lead to inflation, and that’s a hot button for Trump. And so Trump, yeah. Uh, responded to him, uh, I think like four 30 in the morning on Saturday morning and called Peter, uh, a. Jerk and a total loser. Well, actually I saw it before Peter did, and so I took a screenshot and I texted it to him. I said, Hey, have you seen this? You know, maybe I’ll press is good press. And I think to a degree, maybe it has been me from, I understand Peter ended up on Tucker Carlson’s show as a result of that. So, but I made a video right after that because I, you know, there was a time when. I’m friends with Peter Schiff and I’m friends with Robert Kiyosaki. As you know, I, we introduced you to both those guys and, and at one point they didn’t like each other very much. They got into it ’cause, you know, and, and so we introduced ’em to each other and found that they had more in common than they, they didn’t. And I, I think that that would be true. Not that I’m in a position to introduce Peter to, to Donald Trump, but I think the way Peter is looking at it is true. Um, but there’s context and I think the context is super important. Now I’ve been studying Donald Trump as a businessman way before he was a presidential candidate or a politician, you know, before he was a polarizing guy, a pariah for some people. He, he was just this real estate guy. He’s good at marketing, he’s a real estate guy, and as you know. We got to know his longtime attorney, George Ross. And so I’ve had a chance to have conversations about what it was like working with Donald Trump, the real estate guy, and when he became a politician, I asked George, is he a crazy man? Does he shoot from the hip? And you know, I got a lot of reassurances that he is a sober sound. Methodical, self-disciplined guy and, and I think he uses the eroticism to keep people off balance as a negotiating tactic. And he writes about that in the art of the deal. So the context that I think that people need to have, and I’m not here to defend Donald Trump, the man. I’m not here to defend Donald Trump, the politician, but I look at the policies and what I think he’s up to in the context of realizing that we have a system that is fundamentally flawed and has to be remodeled. So to use a real estate, uh, metaphor, it would be like we have a hotel building that is very tired. It’s at the end of its life, it’s got to be remodeled, and so you can’t. Completely shut it down because it’s an operating business, so it’s gotta operate during the remodel. And so you begin to, um, reposition things and. You, you, you’re not gonna run optimally, so you’re gonna run some deficits while you’re doing the remodel. You’re gonna go into debt because you got a lot of CapEx to do, and during that period of time, your debt and deficits are gonna be a problem. But real estate guys look at debt and deficits not as a permanent condition. I think Peter is saying, Hey, you’re just running up debt and deficits. Well, in the short term he is. Honestly, I don’t think Trump is concerned about that. I think he’s focused on getting this remodel done, and part of that remodel was showed up in the last jobs report, right? We lost jobs to a degree, but they were government jobs, and what we got was a lot of gains in private sector jobs. Scott descent, his treasury secretary, has come out and overtly said, we are an administration for Main Street, not for Wall Street. So if you’re going to de financialize this economy and turn it back into a productive economy. You’re going to have to have policies that are gonna stimulate Main Street, and that’s, that’s the, the, the new units that you’ve rehabbed in your hotel that you wanna move people into. At the same time, you gotta move them outta the old units, which is people making money, trading claims on wealth instead of producing real goods and services, which is the financial ice economy. So it’s not about banking, it’s not about stocks, it’s not about Wall Street. You know, you need the stock market to stay up. But really what you need to do is you need to create production. And, and, and I think that’s fundamental. I think he understands we’re never gonna pay the debt off by cutting. We’ve got to keep the system running until we can get to some form of sound money. We’re actually paying the debt off as realistic, and then we have to earn so much money that the debt relative to our earnings shrinks. So it’s not paying down the debt, it’s paying down the percentage of GDP by growing GDP. And the presentation I did at best ever in March of 2025 was me explaining why I thought. His policies, were going to allow him to increase velocity and increase wages by cutting taxes, interest regulation, transportation costs, and, and again, that was six weeks into administration. That was theory. I’m gonna do a follow up in March of this year to say, okay, looking back when I gave the speech a year ago, what’s transpired, but I can already tell you a lot of the stuff that I thought he would do. He’s done. And I think that’s muting some of the inflation that his spending and deficits to Peter’s point are causing. And that’s why when this last CPI report came out, it wasn’t as ugly as everybody thought it would be. And, and this is when you don’t look at, when you look at it in the mono, you just look at one thing and Peter’s very fixated on this quantity of money theory. Then the expectation is that you print a bunch of money, you run a bunch of deficits, you’re gonna get inflation. And it’s just a. Equals B or A leads to B. But there are other nuances and I think Trump is looking at more like a real estate developer, which makes sense. ’cause that’s his background. Yeah, yeah, absolutely. It’s, I mean, and then the other just point to, to make there is that there is probably, um, now inflation’s a tricky thing, right? Like on the one hand you don’t want this riding up, but on the other hand, it actually helps with that debt. You’re, you’re basically eroding the debt by letting inflation ride a little bit higher at the same time. And I think the Trump administration knows that it’s a tricky thing to balance, but the goal is to, you know, get GDP pumping at, you know, four or 5%, but it’s gotta be real production buck. And that’s the difference, right? The old way of dealing with the debt was inflation. And, and I think people think that he’s using the old formula, but I don’t think he is. Well, I think it’s, I think, I think it’s definitely geared towards increasing real GDP, but I think in the process there’s probably, they probably care less a little bit. Of inflation riding up a little bit in the meantime. ’cause you’re still gonna have, I think he thinks he can mute it. I think he can mute it with lower taxes, lower interest expense, lower energy costs. And the energy is the economy. And from day one, that was the first policy. He’s, he’s aggressively gone after lowering energy costs because that has a, a, a ripple through, it just affects every area of the economy. And then the regulations in, in the last cabinet meeting. It was reported, the way I understood it, that for every regulation his administration passes, they’ve eliminated 48. So it’s actually, he’s removing the friction. And I think the bigger thing is, and I, and I was on a panel at Limitless, uh, this last summer, and TaRL, Yarborough was moderating the panel, asked the panelists what we were looking at that maybe other people weren’t looking at that. Um. You know, is, is a signal about maybe the direction it was. We, I, I can’t remember. This was a prediction panel and what I said was trade policy because everybody in finance spends all their time looking at the flow of money and trying to get in front of the flow of money. And we’re so used to the money coming from the Fed or coming from the treasury. So they’re gonna come from monetary policy or fiscal policy. And that’s what Peter’s doing. He’s looking at the Fed and he is looking at the treasury. And so what I’m looking at is not just the tariff income, which is relatively minor, but I’m looking at the trade deals, and those are published at the White House and there’s a couple trillion dollars of money that’s FDI, foreign Direct Investments coming right into Main Street. And it’s gonna build infrastructure. It’s gonna build factories. It’s good. And they tell you where it’s gonna be because they, they came back with the opportunity zones, which I thought they would do. Makes sense. It’s the way he thinks. And then taking those opportunity zones, the governors can say where in their state they want that money to go. Well, people on Wall Street don’t think geography ’cause they operate in a commodity world that trades on global exchanges. But real estate people. Geography matters a lot. So if I’m a Main Street person, I live on Main Street and I’m looking for Main Street opportunities, I wanna look where that money is going to be flowing in geographically. And then there may be opportunities in real estate or small businesses in those economies, and you can see it coming, but nobody talks about it. So I created Main Street Capitalist as a show to begin to talk about it. I still do the investor mentoring club, which is, you know. A premium thing where we get together every month and we talk about these things. And the point is, is that if you understand, I think what he’s doing, then you can, you can begin to paddle into position. And I think, again, I am really bullish if he loses inflation. If he loses to inflation, he’s cooked. He knows it. I think that that even the suggestion that Peter made that he was losing to inflation is what flared him up. And so I wasn’t trying to necessarily defend. Peter and I wasn’t trying to defend Trump, I was just trying to reconcile that it is possible that both guys could be right at the same time from their perspective. And so I, you know, I, I had one guy take exception because he felt like I was defending Trump, but for the most part, I got positive feedback on the video. I, I, I, you saw it. So you tell me. Did it make sense? Yeah, yeah, yeah. Absolutely. So when you look at today’s environment, everything going on, where do you think investors are most vulnerable? Um, I, I think that if you are very dependent upon, um, healthy credit markets, we could have a disruption. And that’s what happened to me. If Trump loses the inflation battle even for a little while, little be reflected in interest rates. And the challenge is right now that he is asked the Fed to quote unquote lower rates, but the Fed actually doesn’t like. Set rates, what they do is they set a target and then they manipulate markets to achieve those rates. And if, if people believe the fed, there’s a little bit of front running. So what’ll happen is the Fed will come out and go, oh, we’re gonna lower rates, which means bond prices are gonna go up. So they’re like, that’s great, let’s go buy a bunch of bonds, which drives rates down. So the Fed just by talking. Begins to move the market and then they hope that later on the Fed will buy those bonds from them at a profit to push rates down. Does that make sense? So, so when the last two times the Fed has raised rates in their target, the 10 year has responded in the opposite direction. Which means that the market is like not buying in, and the Fed is gonna have to step in. And when the Fed steps in, they do it by printing money out out of thin air. Now, the concern about that is that when they print the money out of thin air. If they’re replacing bonds on their own balance sheet, that’s kind of a circle and it doesn’t leak out into the economy. If they’re buying new issuance from the the treasury, then that money is gonna work its way through the government to to to main street. Now, the Trump administration can prevent some of that by keeping the money in the Treasury, for example, uh, Trump 1.0 left. The Biden administration with, I think over a trillion dollars in, in the treasury checking account, and Janet Yellen put that into the economy right away during the lockdowns, which immediately created extreme inflation because you muted production at the same time you goose. Uh. Purchasing power, you know? So anybody with like three ounces of economic understanding could have told you that that inflation was gonna come, it was gonna come hard, it was gonna come fast, and it was gonna be stickier than than you thought. ’cause once you let that money out in the economy, it’s out. It’s out and the only way to mute it is either to suck it back, which is very, very difficult, or to outproduce it, and it’s very hard to produce anything when everything’s in lockdown. So I think that, you know, those days are behind us. I think the policies that we’re embracing now are more. Pro productivity. And I think that even if the Fed does have to step in, as long as that money doesn’t leak out into the economy, and part of it is the treasury being able to throttle some of that, and the money that does go into the economy doesn’t go into stimulus, but goes into CapEx and infrastructure, that’ll actually, uh, create. Production. Then I think that, you know, this, this game plan that I think they’re trying to execute has a chance. And so I, I’m, I’m watching for it. And of course, to answer your question, what do we have to worry about that it doesn’t work? Right? If it doesn’t work, then inflation will show up. Interest rates will rise, credit markets will crash, it will take real estate values with it. And the hedge is really gonna be, what I’ve always talked about is gold. I started talking back in 2018 when we were the zero bound with interest rates. Hey, there’s only one way interest rates can go and that’s up. And if they go up fast, then that’s gonna crash bonds. So it would be smart, and that’s gonna take real estate equity with it. So it’d be smart when you have real estate equity and low rates to pull some of that equity out and move it into gold. And I called that my precious equity strategy. If I have a video I did at the Vancouver Resource Investment Conference in January of 2022, explaining that when you could still really execute on that, and I’m not saying that you couldn’t do it today, but it’s harder, but the people who did it back then, I mean, you know, they’ve, they’ve seen their gold almost triple. And at the same time, they were able to lock in interest rates that are, you know, a half what they are today. So when you see those mega trends and you can begin, and that’s the stuff I didn’t know how to do in 2006, 2007. I didn’t understand any of this stuff. The, the, you know, losing everything in 2008 forced me to become a hardcore student and then try to apply that to Main Street strategy. And so I think gold and real estate and debt, they all work really well together depending on where you are in the cycle. Do you think that Main Street investors may actually have some advantages in periods like this? Yes, a ton because I think what’s gonna happen is if we have a, um, a, a, a restructure of the financial system into something more responsible, which I think is either gonna be forced upon us or it’s gonna be done by design, and I hope we do it by design. But when that happens, then the days of just buying low and selling high and riding the inflation wave that goes away. And so now it’s gonna be very, very important to understand how to invest for. Productivity. So I call it, you know, buy low sell high trading as an acronym, B-L-S-H-T you. You can sound it out for yourself phonetically. And then the other one is poo, which is productivity of others. And I think that if people focus on investing in the productivity of others, which is what Main street investors, especially real estate investors, focus on, I think cash flow, real profits on small businesses, not speculating on. Uh, exit price or a company that’s gonna take a company public, everybody trying to tap into this giant flood of money that gets pre created from thin air in the banking system and in Wall Street. If, if, if people on Main Street will just start investing. Kind of what Kenny McElroy was doing going through 2008, just focusing on sound assets and good markets with good fundamentals. That cash flow and, and are run by good managers, whether it’s a business, an apartment building, a mobile home park, a self storage, residential assisted living doesn’t really matter. Invest in real businesses that produce real profits where you’re not overpaying for that production of income and especially where there’s some upside. Not to flipping out of the stock, but to actually growing the market share and growing the income. That’s what investing really should be. Wall Street has perverted it into just placing bets and riding a wave and trying to figure out where the money is gonna flow from the Treasury or for from Fed stimulus. And I think Main Street is gonna pick up on the new game sooner. And the good news is if you get good at playing that game, even if the system stays the same, you’re probably gonna do better off anyway. When you talk about buying, buying or investing into productive businesses, I mean, what, what’s the difference in your mind between investing in a private business versus investing in a, you know, a publicly traded business that’s run off, you know, dividends? Yeah, so I, I, I think that it could be okay if the dividend yield makes sense, but anytime you have a publicly traded security, it’s a highly liquid market, which means it’s gonna be volatile and the stocks become chips in the casinos where professional traders are just gambling all day long. And some of that gambling can create an impact on the stock, and it doesn’t matter to you if you’ve only bought it for production of income. Um. And so, uh, you know, I, I don’t think it’s bad. I’ve, you know, Peter’s always been an advocate of, uh, dividend paying stocks, and I think if you’re gonna be in the stock market, that’s what you want to do. I think the opportunity in a private placement in a small business is the opportunity not to have to pay the high multiples because it’s not a perfect market. It’s, it’s the same reason there’s so much more opportunity in real estate. If real estate could trade on an electronic exchange where. You know, millions of buyers could find it, and you could have perfect price discovery. It’s very difficult to find a deal, right? It’s very difficult. But we, if you buy a private business, you know there’s gonna be considerations. You, you deal with a, a owner. Who cares about his customers, who cares about his team, maybe would be willing to carry back the way you would if you were buying a, a, a piece of property from somebody that cares about their neighbors or whatever. I mean, there’s, there’s, there’s a lot more humanity in it. There’s a lot more room for negotiation in it. And a lot of times there’s a lot more room to have control. So, you know, one of the adages with real estate that real estate investors like is, I’m gonna buy an asset, one that I understand, two that I can control. And so when you buy a stock, like a dividend paying stock, you, you might understand the business, you may not understand completely the. Uh, market dynamics that drive the stock price. But as long as the dividends are there, that can be okay, but you don’t have any control. When you actually go buy a small business, you have a, a degree of control. Now, if you’re a passive investor buying into a syndication, then you still have a little bit more, um. Relationship, you have a little bit more insight. You maybe have a voice. You may know the people that are making the decision and running the company personally. So it’s the same thing. You know, you Buck is a syndicator. When you go do a deal, your investors know you. They have a personal relationship with you. Go buy stuff in the stock market and mutual fund managers and investor. You don’t have a relationship with that fund manager and I think that’s worth something if you have a voice right. So we’ve, we’re talking a little bit about credit markets, um, volatility, you know, interest rates. Are they gonna go down like, you know, Donald Trump would like to see, and you know, we’ve got a new fed share coming, all that kind of thing. How should investors be thinking about leverage and risk right now? I, I think the adage with real estate, uh, I mean, sorry, with leverage is always the same, is, um, you know, manage cash flow. I, if, if you use leverage to speculate, that could be a real problem. And whether you did it. Do it for real estate like I did by having very thin or negative cash flow and making that up someplace else and believing that somehow, you know, rents or appreciation are gonna do it. Or buying a non-income producing asset with borrowed funds hoping it’s gonna go higher. I think that would be dangerous, but I think if you fundamentally use debt as a tool. Based on cash flows and you use conservative cash flows, you know, so the debt service coverage ratio, you know, if you have $10,000 a month going out in debt service, make sure you have at least, you know, $12,000 a month coming in on income or above. Then that’s how you begin to build resiliency into your portfolio. And the other thing is don’t borrow long to invest short, right? So your duration matters a lot. We were talking about this before we hit the record button, and I think what happens is people. Uh, make a mistake when they try to operate like a bank. ’cause banks lend short and invest long. And the only reason they get away with it is because they have the Federal Reserve Bank system backstopping them. But you don’t have that as an individual, so you better to do the opposite. Um, if you can match the durations, that’s perfect, right? ’cause then you know what your interest expense is for the, for the duration of the investment. And once you lock in the spread, then you just have the counterparty risk of the, whoever is responsible for creating that income stream that’s gonna service the debt you use to control the asset. And then it just comes down to underwriting and then recourse. And if you feel comfortable with the underwriting and you feel comfortable with the recourse, and you’ve got spread and you’ve locked in a, a duration. Um, that, that is compatible, then that can be a, a, a fairly safe way to use debt. And if interest rates work against you, then you’re okay. And if interest rates work for you, you might be able to refinance your debt and actually increase your spread, but you don’t need it to happen to be successful. Let’s talk a little bit more about what you’re doing right now. So in the past year, you’ve launched, um, several new initiatives. You had masterminds via platforms. Tell us a little bit about this and, and a little bit more what, what you’re trying to accomplish. Well, you know, after losing my wife, um, you, you go through this. Period of time of like figuring out, okay, life is short. What do I want to get done before I left die myself. And so, um, after thinking about that, I went back to really what I came to do when I first met Robert Helms and got involved in the real estate guys. And so I just kinda went back to home base and. Then the other thing is now I’ve got 17 grandchildren, and so I’m thinking a lot less like a father, more like a, a grandfather, a founding father. And, um, and so I’m thinking about what the world is gonna be like in 40, 50, 60 years, and what can I do to plant a seed that will make that world better for my grandchildren? And so I, I did a couple things. One is, um, after I left the real estate guys, we were going through a merger with Ken McElroy, George Gammon and Jason Hartman to create, um, a mastermind group, which we did. And I, I was CEO of that for the. The year during the merger. And that took up some time. And the second thing I decided to do, uh, ironically, it was after a conversation I had with Charlie Kirk. I had a conversation with Charlie Kirk. I said, Hey, I’ve got this idea to help, uh, K through 12 get involved in, in capitalism by starting businesses or working with businesses. Their parents start, and I explained to him the model. He goes, I love it. I want to help you. And so that encouraged me. And then I had a follow up meeting in January of 20. 24 with Mark Victor Hansen, and he really encouraged me. And so with the strength of those two endorsements, I go, you know, I’m gonna do this. And so, uh, I left the real estate guys in, um. March, late March of 2024, and in the summer of 2024, I, I launched the Raising Capitalists Foundation, and people can learn more about that by going to raising capitalists plural.org. And I, I literally launched it at Freedom Fest on July 13th, 2024 and five minutes before I took the stage, Donald Trump got shot. Always remember where I was and how distracting it was, but I did record that presentation and it’s on the website, and so it explains the model. But in, in short, it’s pairing, um, or it’s, it’s putting parents who are in what Kiyosaki, uh, rich Dad would call the E-Class employees. And, uh. Put them under a mentorship program with experienced entrepreneurs and investors to help them start a business, a side hustle. They need the money and they need a mentor. And so then they, um, it can create a situation where their children can come to work for them in the business. And today, information Society, you know, there’s a lot of things kids can do where they learn real life skills, um, working with their parents. So that’s what the Raising Capitalist Foundation is all about. Then I launched two shows. Uh, in 2025, uh, one is I literally just launched like a week ago, and that’s. That Donald Trump video was really the first one that I put out, the Donald Trump versus Peter Schiff video on YouTube. I haven’t even started the podcast side of it. Um, and in on September 27th, uh, on pray.com, I started, uh, another show that, that one’s called the Main Street Capitalist. So if you go to YouTube and look at the Main Street capitalist, you’ll, you can find me there. And then the other one I created was the Christian capitalist. And I kind of went back to, you know, my, my core roots of realizing when I started looking at. Where the country was at, John Adams said that, um. Our Constitution was designed for a moral and religious people and is really wholly inadequate for any other, and so I thought, you know what? I’m I, I’m going to do that because my experience as a, as a Christian businessman is that I find that sometimes the stuff I get in church is more consumer oriented, and it doesn’t, it’s more employee oriented. I, I don’t. And, and then the other part of that is I created a, a ministry called Fellowship, a Christian capitalist, which is really about helping people put purpose into their business and then, you know, express their faith. Love your neighbor. Through their business. And so I’ve got all these different initiatives going and then I created the Main Street Media Network because I wanting to reach youth. I hired a YouTube coach and I said, look, I want to create content to encourage youth. He goes, that’s great. You can’t do it. You’re too old, he said, so what you need to do is find young people you can mentor and teach them the things that you’ve learned and let them teach it in their own words and they’ll reach their generation better than you. So with Main Street Media Network, I’m I, I’ve got. Two guys that I’m apprenticing right now, but I’m gonna be adding a lot more. Um, one, one young man is 20 years old, the other one is 26 years old. And, uh, I just came back from the Turning Point USA event where we had a broadcast booth and they were conducting interviews and I did the New Orleans Investment Conference. And so these guys are sitting down with Peter Schiff, Robert Kiyosaki, Mike Maloney, Ken McElroy, you know, you, you know what that did for you, buck with your show. You know, you, you met all these people through us and then you. We’re able to build upon that and create a very credible show. So I’m doing that for these guys that are in their twenties with the idea that they will be able to reach a generation of people. Uh, I call it putting Boomer Wisdom in Gen Z mounts. I mean, they get to process it and it gets to be their own. And I’m helping them build financial podcasts that actually make the money and is the foundation of, in this case, they’re both capital raisers of their capital raising business. I got all these different things going, but I’m doing it through leaders, so I’m not trying to do all things myself. Yeah, yeah. Um, but I’m building out an ecosystem to accomplish all these goals and so far so good. It’s a lot. Sounds working like a young man, man, man. I’ll tell you that. I know, I know. Wow. I I thought you were gonna slow down after you. No, I’ve actually, I put my, I put, I put my foot on the gas. I, I’ve probably never worked, uh, harder. Um, but I, I think I’m working smart, you know, so I’m hiring coaches and I’m bringing in, um, leaders and going through all that EOS and organizing to scale stuff. Sounds good. Well, always a pleasure, Russ. Um, make sure not to be a stranger to have you on again, um, you know, in a few months and figure out where you’re going with all this stuff. All the new things that you’ve accomplished, but it’s, uh, it’s great to see you. Well, happy to be here, proud of you. Uh, keep up the good work and keep educating people. Thank you. You make a lot of money, but are still worried about retirement. Maybe you didn’t start earning until your thirties. Now you’re trying to catch up. Meanwhile, you’ve got a mortgage, a private school to pay for, and you feel like you’re getting further and further behind. Now, good news, if you need to catch up on retirement, check out a program put out by some of the oldest and most prestigious life insurance companies in the world. It’s called Wealth Accelerator, and it can help you amplify your returns quickly, protect your money from creditors, and provide financial protection to your family if something happens to you. The concepts here are used by some of the wealthiest families in the world, and there’s no reason why they can’t be used by you. Check it out for yourself by going to wealthformulabanking.com. Welcome back to the show everyone. Hope you enjoyed it. As always, Russ, uh, is, uh, you know, he’s, he’s got a lot of wisdom. He is the guy you really wanna listen to. And I would encourage you to follow his work anyway. Uh, just pivoting back, you know, to where this economy is and all that. I think for me personally, it’s about allocating capital in a market that is a, uh, is certainly losing value in its dollars. And, um, and I think that we’re gonna continue to see that. Speaking of that, make sure if you haven’t, as I mentioned before, sign up for the Accredited Investor Club. Go to wealthformula.com, go to investor club, as we have plenty of those types of things that are hedging against inflation, um, saving taxes in terms of tax mitigation strategies, that kind of thing. Check it out. That’s it for me This week on Well Formula Podcast. This is Buck Joffrey signing off. If you wanna learn more, you can now get free access to our in-depth personal finance course featuring industry leaders like Tom Wheel Wright and Ken McElroy. Visit wealthformularoadmap.com.
Two engineers walked away from the safe path and built an icon. That's the spark behind AMG's journey from late-night tuning to a seat at Mercedes' top table, and author Matt DeLorenzo brings the full story to life with factory access, rare photos, and details that rarely leave the archives. We dive into the early moonlighting years, the audacious 300 SEL 6.8 “Red Pig” that shocked Spa in 1971, and how race wins turned a side hustle into the performance heartbeat of Mercedes-Benz.Matt helps us connect the dots from privateer sedans to the Hammer era, where a V8-stuffed E-Class redefined fast luxury for the U.S. market. We talk about German touring car glory, the first co-developed C 36, and the strategic moves that led Mercedes to buy AMG outright. Inside Affalterbach, the one-man-one-engine philosophy still stands, with each builder signing their work. That culture of accountability and craft underpins halo cars from the SLS Gullwing to the AMG GT, proving AMG can design from a clean sheet, not only tune.There's a fascinating twist next door: HWA, Hans Werner Aufrecht's outfit, building GT race cars a stone's throw from AMG's campus. It keeps competition central to the brand's identity, reminding us that stopwatch data still shapes the street. We round out the show with a practical review of the 2025 Kia Telluride—trims, towing, real-world fuel economy—and a nod to Marco Andretti's retirement, a closing chapter in a storied racing surname.If you love motorsport history, engineering craft, and the stories behind badges that actually mean something, this one's for you. Hit follow, share it with a fellow car nut, and leave a quick review to tell us your favorite AMG moment.Be sure to subscribe for more In Wheel Time Car Talk!The Lupe' Tortilla RestaurantsLupe Tortilla in Katy, Texas Gulf Coast Auto ShieldPaint protection, tint, and more!Disclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you.---- ----- Want more In Wheel Time car talk any time? In Wheel Time is now available on Audacy! Just go to Audacy.com/InWheelTime where ever you are.----- -----Be sure to subscribe on your favorite podcast provider for the next episode of In Wheel Time Podcast and check out our live multiplatform broadcast every Saturday, 10a - 12nCT simulcasting on Audacy, YouTube, Facebook, Twitter, Twitch and InWheelTime.com.In Wheel Time Podcast can be heard on you mobile device from providers such as:Apple Podcasts, Amazon Music Podcast, Spotify, SiriusXM Podcast, iHeartRadio podcast, TuneIn + Alexa, Podcast Addict, Castro, Castbox, YouTube Podcast and more on your mobile device.Follow InWheelTime.com for the latest updates!Twitter: https://twitter.com/InWheelTimeInstagram: https://www.instagram.com/inwheeltime/https://www.youtube.com/inwheeltimehttps://www.Facebook.com/InWheelTimeFor more information about In Wheel Time Podcast, email us at info@inwheeltime.com
Weclcome back to EV News Daily, and welcome to our new series where we go deep into one particular EV, called The Spec Sheet. And today it's the turn of the Mercedes-Benz GLC with EQ Technology—a vehicle that represents a significant jump forward for Stuttgart's approach to electric mobility. Unlike previous EQ models that carried distinct names and styling, this GLC shares its nameplate with the combustion-powered version while riding on an entirely different platform purpose-built for electric drive. This marks Mercedes' previously announced departure from the standalone EQ brand identity toward a unified approach where electric and internal combustion variants coexist under familiar model names. Stay tuned to discover: · How Mercedes' new MB.EA platform architecture delivers both efficiency and performance · The technical innovations behind the GLC's 443-mile WLTP range capability · Why this model represents the centerpiece of Mercedes' largest product offensive in company history The GLC holds particular significance as Mercedes-Benz's global best-selling model. By electrifying this cornerstone SUV, the company is making a clear statement about its electric future while maintaining design continuity that existing customers will instantly recognize. And more importantly for a brand which saw pushback from S-Class and E-Class buyers towards the change in direction with the EQS and EQE respectively, Mercedes-Benz will hope this is an easier sell to their fans.
Lynelle Johnson runs E Class Outboards a company based in Kiama that builds and sells battery powered electric outboard motor kits. Gabriela Cabral talks to Lynelle as part of her weekly program The Shop Around the Corner, supporting local businesses, Tuesday mornings at 9am. Recorded 9.7.25
Scaling with Heart: Francisca [Kika] Escobar Bascur Escobar on 2X/3X Growth, Shopify, and the Power of Connection Sponsors The Jason Cavness experience is brought to you by Breeze Docs. Request for Proposals AKA RFPs, can be very challenging for Small & Medium-sized Businesses. Breeze Docs, the RFP response platform of choice for SMBs across North America, uses AI to help companies quickly complete RFPs, security questionnaires, and other important business documents. If you'd like to start winning more RFPs and reduce completion times by up to 80 percent, visit breezedocs.ai to book a demo. By mentioning the Jason Cavness Experience, you will qualify for a free upgrade from Breeze Solo to Breeze AI+ valued at $6,000. Follow the Breeze at www.breezedocs.ai Sign up for free upgrade here https://www.breezedocs.ai/rfp-response-software-jason-caveness CavnessHR: Seattle's Got Tech on Wednesday, July 30 at Seattle Chamber of Commerce. RSVP: https://lu.ma/v8ihldrg Go to www.thejasoncavnessexperience.com for the podcast on your favorite platforms Kika's Bio Kika helps businesses sell more and scale smarter. Founder of The Kickass Company and Sell With Kika, she's trained over 250,000 people and is one of the top voices in eCommerce across Latin America. Kika is a leading voice in eCommerce and Business throughout Latin America. She's the Co-Founder of TheKickass Company, a strategic business partner for brands that want to build or create an eCommerce business that actually works (not just in theory). Through this work, she has helped dozens of companies expand their footprint, grow their sales, and scale smarter both in local and international markets. She's also the founder of Sell With Kika, her U.S.-based consulting brand focused on eCommerce strategy, business development, and connecting U.S. companies with Latin America's growing market. In addition to this, she also co-founded Loadingplay, a tech company that automates the omnichannel experience, and led the creation of MDA (Market Development Associate) an initiative built in collaboration with Shopify to develop and strengthen the local eCommerce ecosystem in Chile, with more than 3.000 people participation in over 26 in person events. A Business Engineer with over 19 years of experience in commercial strategy and sales, Kika has advised hundreds of businesses and trained more than 250,000 people through workshops, masterclasses, and public programs. She also teaches eCommerce at the MBA Tech Program at Universidad Andrés Bello (UNAB) and at eClass, where she helps professionals and business owners take their digital strategies to the next level. She believes that when a business knows “How to Sell”, everyone wins because selling more creates opportunity, jobs, and momentum. Her approach is simple and powerful: know your customer deeply, show your product as the solution they're already searching for, and make it easy for them to buy from you. Kika is a TEDx speaker, author of the handbook “How to Build an eCommerce” for the Santiago Chamber of Commerce, and a frequent speaker at top industry events like eCommerce Day, Fashion Online, and Digitaliza tu Pyme. Who is Kika Escobar Her latest recognitions include being named “Genia del Año en eCommerce 2023” and receiving the “Emprendedora de Impacto” award from UDD in 2024, acknowledgments that reflect her impact, passion, and leadership in shaping the future of eCommerce across the region. We talk about the following and other items Kika's Passion for Sports and Travel The Kickass Company: Building Shopify Websites Choosing the Right Sales Channels Key Performance Indicators (KPIs) in E-commerce The Art of Selling Knowing Your Customer Public Speaking Tips and Overcoming Fear MCing the Korean Startup Group Event Exploring Business Opportunities in Seattle AI in E-commerce Personalization Advice for Aspiring Entrepreneurs Emerge Lab Women's Initiatives Chilean Culture and Misconceptions Favorite Places in Chile Chilean Startups and Entrepreneurs VC and Investment Landscape in Chile Business Advice for US Companies in Chile E-commerce Trends in Latin America Balancing a Busy Schedule Dealing with Entrepreneurial Highs and Lows Social Media Strategy Future Plans and Goals Kika's Social Media LinkedIn: https://www.linkedin.com/in/mar%C3%ADa-francisca-escobar-bascur/ TikTok: https://www.tiktok.com/@kikaescobarbascur The KickAss Website: https://thekickass.cl/ Instagram: https://www.instagram.com/kikaescobarbascur/ Company Instagram: https://www.instagram.com/thekickass_co/ Kika's Advice “Screw it, let's do it. Take action instead of overthinking. Ask, “What's the worst that can happen?” and plan how you'd handle that outcome. Shift from Gap to Gain (Dan Sullivan's The Gap and the Gain): Gap: Comparing yourself to an ideal keeps happiness out of reach. Gain: Measuring progress against where you started builds confidence. Daily Gain habit: End each day by writing three wins big or small (e.g., waking up early, finishing laundry). Gratitude rewires your brain to spot opportunities, not deficits. See life as a bowl of opportunities. Treat every success or setback as a chance to learn and grow. Mindset is a personal choice, open to everyone no matter their starting point.
第一代Ssangyong Chairman或許你平時不會想到它,但在90年代,它不僅有著與賓士W140 S-Class頗為接近的外觀,E-Class的底盤、直6引擎、5速自排變速箱等。讓它外在、內涵均有著濃濃的”賓味”,再加上夠吸引人的價,它在台灣銷售開紅盤,甚至不少人還直接改標,讓它看起來更接近W140 S-Class。第一代”椅子人”在台曾經有哪些故事?一起來聽Celsior詳細道來! CELSIORS Youtube頻道:https://www.youtube.com/@CELSIORS -- Hosting provided by SoundOn
In dieser Folge von HealthCareBrain diskutieren Lennart,Kerstin mit Ihrem Gast Vanessa Herbst über die zentrale Rolle von Stammdaten im Gesundheitswesen. Sie beleuchten die Herausforderungen und Mindestanforderungen an Stammdaten, die Bedeutung einer einheitlichen Nomenklatur und die Notwendigkeit eines effektiven Stammdatenmanagements. Zudem wird die Warengruppenanalytik und der Einsatz von E-Class als Standard diskutiert, um eine bessere Datenanalyse und -verwaltung zu ermöglichen. Zudem wird die Rolle von Branchenstandards und die Qualität von Stammdaten im Gesundheitswesen thematisiert. In dieser Episode diskutieren Vanessa , Lennart und Kerstin über die Herausforderungen im Gesundheitswesen, insbesondere im Hinblick auf die Einführung des Unique Device Identifier (UDI) und die Notwendigkeit eines effektiven Stammdatenmanagements. Sie beleuchten die Bedeutung von Standards und dieImplementierung der E-Rechnung, um Prozesse zu optimieren und die Effizienz in Krankenhäusern zu steigern. Die Gesprächspartner betonen die Notwendigkeit einer Zusammenarbeit zwischen verschiedenen Institutionen, um die Herausforderungen im Gesundheitswesen zu bewältigen.
In this episode of the evo India Podcast, Editor Sirish Chandran and Assistant Editor Aatish Mishra bring you the latest updates from the Indian automotive world. Kicking things off is Aatish, who tells us everything about the new Kia Syros, the comfort on offer and how it has knee room similar to that in the E-Class. Sirish talks about the Defender Octa which he drove in the vast landscape of South Africa, the fun and the joy of driving it off the road. They also touch upon the G 63 AMG and the new electric G 580, and how the Camry makes for a good value for money, luxury sedan at a ₹50 lakh budget. Hear the full podcast and get your weekly dose of all things automotive!
www.iotusecase.com#TRANSPARENCY #DOKUMENTATION #DATENSTANDARDISIERUNGWie wirken sich neue EU-Regulierungen auf Unternehmen aus, und welche Rolle spielen standardisierte Produktdaten in der digitalen Transformation? In dieser Folge des IoT Use Case Podcasts spricht Ing. Madeleine Mickeleit mit Thorsten Kroke, Managing Director von ECLASS e.V., und Stefan Willms, CEO von morphe, über die Herausforderungen und Chancen der European Union Deforestation Regulation (EUDR), die Bedeutung qualitativ hochwertiger und harmonisierter Stammdaten und die Rolle von Standards wie ECLASS für eine zukunftssichere Lieferkette. Folge 155 auf einen Blick (und Klick):(10:32) Herausforderungen, Potenziale und Status quo – So sieht der Use Case in der Praxis aus(19:38) Lösungen, Angebote und Services – Ein Blick auf die eingesetzten Technologien(32:20) Übertragbarkeit, Skalierung und Nächste Schritte – So könnt ihr diesen Use Case nutzen Zusammenfassung der PodcastfolgeDie steigende Relevanz standardisierter Produktdaten stellt Unternehmen vor neue Herausforderungen – besonders im Kontext der European Union Deforestation Regulation (EUDR). Diese verlangt einen transparenten Nachweis über die Herkunft von Materialien entlang der gesamten Lieferkette, um Nachhaltigkeitsziele zu erreichen und regulatorische Anforderungen zu erfüllen. Ein zentrales Thema der Diskussion ist die Notwendigkeit semantischer Standards wie ECLASS, die eine einheitliche Struktur für Produkt- und Materialdaten schaffen. Fehlen solche Standards, führt das zu ineffizienten Prozessen, manuellem Datenmapping und fehlender Interoperabilität zwischen Systemen. Lösungen wie der Digital Product Passport (DPP) und die Asset Administration Shell (AAS) ermöglichen es, Produktinformationen über den gesamten Lebenszyklus hinweg strukturiert zu erfassen und bereitzustellen. Neben der Einhaltung regulatorischer Vorgaben ergeben sich für Unternehmen durch den Einsatz standardisierter Stammdaten auch wirtschaftliche Vorteile: Automatisierter Datenaustausch und strukturierte Datencontainer sparen Zeit und Kosten. Die Experten betonen, dass Digitalisierung nicht nur eine Pflichtaufgabe ist, sondern auch eine Chance bietet – insbesondere in Zeiten von Fachkräftemangel, steigenden Effizienzanforderungen und Nachhaltigkeitszielen. Wer mehr über erfolgreiche Implementierungsstrategien, Best Practices und technische Lösungen erfahren möchte, findet in dieser Folge wertvolle Einblicke aus der Praxis. -----Relevante Folgenlinks:Madeleine (https://www.linkedin.com/in/madeleine-mickeleit/)Thorsten (https://www.linkedin.com/in/thorsten-kroke-650500196/)Stefan (https://www.linkedin.com/in/stefanwillms/)Leitlinien der EU-Kommission zur EUDR (https://www.ble.de/DE/Themen/Wald-Holz/Entwaldungsfreie-Produkte/Leitfaden/Leitfaden_node.html) Entwaldungsfreie Lieferketten (https://www.bmel.de/DE/themen/wald/waelder-weltweit/entwaldungsfreie-Lieferketten-eu-vo.html)Jetzt IoT Use Case auf LinkedIn folgen
Driving the Mercedes-Benz CLE Coupe today – the German companyrationalizing its coupe and cabriolet line-up last year – the previous C and E-Class coupe and cabriolet replaced by the CLE 200 and 300 coupe and cabriolet– now both four-cylinder mild hybrids. I drove the CLE 300 4MATIC coupe at$124,900 plus on-road costs – powered by a 2-0-litre turbo petrol engine mated toa nine-speed automatic assisted by a 48-volt mild hybrid system, and unlike thetwo-wheel drive CLE 200, drive goes to all four wheels. The CLE Coupe sits on astretched wheelbase - a most handsome and beautifully appointed luxury twodoor Coupe – the body accentuated by a pronounced shark nose, bonnet powerdomes, a front and rear apron and side sills. The interior a knockout, with largecentre screen, a configurable 12.3 instrument cluster, a head up instrumentdisplay and very sculptured and supportive front seats in high grade leather – therear seat cramped with difficult access and for the most part the CLE 300 is bestdescribed as a comfortable two-seater. Disappointments, a lack of buttons forclimate and audio controls and the slider controls on the steering wheel forvolume and cruise control frustrating to use. Drive details next. I’m David BerthonSee omnystudio.com/listener for privacy information.
- Trump Tariffs and EV Policy Could Damage U.S. Auto Industry - $50 Billion To Move Auto Production to U.S. - EU OEMs Paying Chinese For ZEV Credits - Will VW Hit Its Cost Cutting Goals? - Tesla Brand Value Shrinks By $15 Billion - Mercedes E-Class Safest Car Tested by Euro NCAP - Volvo EX90 Priced At $80,000 - Polsestar 7 Will Be Made in EU - Ford Reimburses Dealers for L3 Chargers - Brembo and Michelin Cut Braking Distances
- Trump Tariffs and EV Policy Could Damage U.S. Auto Industry - $50 Billion To Move Auto Production to U.S. - EU OEMs Paying Chinese For ZEV Credits - Will VW Hit Its Cost Cutting Goals? - Tesla Brand Value Shrinks By $15 Billion - Mercedes E-Class Safest Car Tested by Euro NCAP - Volvo EX90 Priced At $80,000 - Polsestar 7 Will Be Made in EU - Ford Reimburses Dealers for L3 Chargers - Brembo and Michelin Cut Braking Distances
MotorTrend's Ed Loh & Jonny Lieberman sit down with President & CEO of Mercedes-Benz North America, Dimitris Psillakis! Dimitris discusses the E-Class winning MotorTrend's 2025 Car of the Year, the Introduction of the Electric G-Class, current hurdles for EV adoption, Level 3 Autonomous Driving with Mercedes-Benz Drive Pilot, Formula 1, innovations in AI, and how to balance the transition to the Software Defined Vehicle era!0:41 - About our guest, Dimitris Psillakis.5:09 - Celebrating the E-Class: MotorTrend's 2025 Car of the Year!7:26 - The Electric G-Class: A New Era of Off-Roading.16:42 - Narrative Change in EV adoption.19:46 - Changing Customer Mindsets: From Range Anxiety to Charge Anxiety.25:31 - Balancing the Transition to Software Defined Vehicles.35:32 - Level 3 Autonomous Driving with Mercedes-Benz's Drive Pilot.40:08 - Performance and Electrification in AMG.46:54 - The Impact of Formula 1 on Sales.52:40 - Transitioning from Lewis Hamilton to New Drivers.55:20 - Challenges of the Mercedes-AMG ONE.58:07 - AI Innovations.01:03:00 - Brand Value in Global Markets.01:04:20 - Personal Insights and Future Directions.
Mercedes-Benz had a problem: convertible and coupe variants of almost every car model. While this is good for folks that want an S-Class coupe, or a C-Class cabriolet, it does add complexity to the portfolio. While more options are always better for the end-user, the Mercedes-Benz is shrinking some of its coupe and convertible options and rolling out a one-size-fits-all replacement. Cleverly dubbed the CLE-Class, this cabriolet or coupe-only machine fills the void from its C and E-Class stablemates and still gives Mercedes-Benz shoppers a comfortable, stylish cruiser. Powering the base-model CLE 300 is the 2.0-liter turbocharged I4 that makes 255 hp and 295 lb-ft of torque. Stepping up to the CLE 450 nets you the ‘Benz mild-hybrid 3.0-liter I6 that cranks power up to 375 hp and 369 lb-ft of torque. On this episode of Quick Spin, Autoweek executive editor Tom Murphy hops behind the wheel of the 2024 Mercedes-Benz CLE 450 and puts it through its paces. Murphy takes you on a guided tour of the CLE 450 and highlights some of its features before taking you along on a live drive review. Adding to these segments, Murphy chats with host Wesley Wren about the Mercedes-Benz CLE, its place in the ‘Benz lineup, and why it exists. Closing the show, the pair break down what makes the CLE 450 special.
Vanguardia ademLatam es un espacio liderado por la profesora de la Academia de Emprendedores, fundadora de Joogahogar.cl, Carola Hidalgo. Invitada: Nicolás (Nico) Shea, fundador Cumplo. Contexto: Nico Shea es el autor intelectual y primer lider de Startup Chile, una política de gobierno que posicionó a Chile en el mapa de la innovación mundial. Fundó además G100, Asech, Eclass y hoy dedica sus energías a hacer crecer la fintech Cumplo. Ha estudiado en universidades prestigiosas, como Standford y Columbia y hoy, lo tenemos en la sala de clases para que nos cuente sobre su vida como emprendedor e inspire a quienes nos escuchan. Principales temas desarrollados: Resiliencia, empoderamiento, liderazgo, propósito, escalabilidad, innovación y emprendimiento. Sobre Vanguardia ademLatam: espacio de entrevistas que nace con el objetivo de conocer a mentes que están construyendo el futuro desde el presente a través de sus iniciativas, empresas o investigaciones. Este contenido es parte de la 4ta Temporada de Academia de Emprendedores en ADN 2024, con Leo Meyer, espacio de capacitación continua radial que apoya a miles de personas para que puedan gestionar mejor sus emprendimientos y pymes. En Instagram somos @ademlatam | En Linkedin somos ademLatam | En Youtube somos Canal ademLatam | Directorio de los profesores en Sitio Web IMPORTANTE Si quieres visibilizar tu marca durante la clase revisa esta información Si quieres realizar una donación para premiar el trabajo de Academia de Emprendedores puedes hacerlo acá --- Support this podcast: https://podcasters.spotify.com/pod/show/ademlatam/support
In this episode, Pastor Nic sits down with Liz Reasa, a member of the Adult Christian Education committee at High Point, to discuss a class that A.C.E. is doing alongside the Rule of Life sermon series. For more information about Rule of Life, visit highpointchurch.org/ruleoflife. Engage & Equip is a resource designed to help form substantive disciples for the local church.Find more episodes at [highpointchurch.org/podcast](http://highpointchurch.org/podcast)Music: HOME—We're Finally Landing, Nosebleed, If I'm Wrong ([https://midwestcollective.bandcamp.com/album/before-the-night)](https://music.midwestcollective.us/track/were-finally-landing)
旅行車一直有其擁護者,它不僅空間大、空間變化靈活,同時還保留了房車優異的行路性。現款W214 E-Class有著4950mm、幾近5米的大車身,當然行李空間也有不凡表現,在5人乘坐模式下行李空間就已高達615公升,後座椅背打平後更高達1830公升。除此之外,E200 Estate底盤調校上較著重於舒適性,開起來又什麼樣的fu?來聽麥克怎麼說? 玩車誌網站:https://carfun.tw/>) -- Hosting provided by SoundOn
先說明,這次試駕的E200 Luxury算是”犯規”車,因為它是台”火力展示車”,所以把W214 E-Class目前能選的全部滿上,光是選配金額就高達一百多萬,其中包括氣壓懸吊、後軸轉向等系統全選上了,因此操控上會比真實的E200好上一些,話雖如此,我們還是可以透過它深入了解W214 E-Class的本質,以及面對宿敵BMW 520i它又有哪些優勢?來聽Michael和島叔怎麼說? 玩車誌網站:https://carfun.tw/
KVMR News Director Cláudio Mendonça talks with youth advocate, DJ, and KVMRx program director, Jai Hanes, about a new local initiative of his called P.E.A.C.E. Class.
The ultra-luxurious Toyota Century is now available as an SUV, and we have all the details. We also have highlights from IAA Mobility 2023, AKA the Munich Motor Show. We discuss the Mercedes-Benz Concept CLA-Class EV, Volkswagen ID. GTI, BMW Vision Neue Klasse concept, the new Mercedes E-Class All-Terrain, and more.
Mercedes-Benz E-Class首次出現四圓燈是在W210車型上,推出後受到市場熱烈的迴響,而其下一代車型於2002年誕生,同樣延續四圓燈的造型設計,但線條變得更優雅。不僅是國外,W211 E-Class在國內同樣受到市場歡迎,至今仍有不少車況極佳的”活體”在路上奔馳。本次專輯分三集,第三集我們聊W211在對岸的投產故事及W211在全球一些與眾不同的行銷手法,請慢用! CELSIORS Youtube頻道:https://www.youtube.com/channel/UCo3IxZ-cdzucOFOOY3CBe1w
Mercedes-Benz E-Class首次出現四圓燈是在W210車型上,推出後受到市場熱烈的迴響,而其下一代車型於2002年誕生,同樣延續四圓燈的造型設計,但線條變得更優雅。不僅是國外,W211 E-Class在國內同樣受到市場歡迎,至今仍有不少車況極佳的”活體”在路上奔馳。本次專輯分三集,第二集我們聊W211在台灣的延革,請慢用! CELSIORS Youtube頻道:https://www.youtube.com/channel/UCo3IxZ-cdzucOFOOY3CBe1w
Mercedes-Benz E-Class首次出現四圓燈是在W210車型上,推出後受到市場熱烈的迴響,而其下一代車型於2002年誕生,同樣延續四圓燈的造型設計,但線條變得更優雅。不僅是國外,W211 E-Class在國內同樣受到市場歡迎,至今仍有不少車況極佳的”活體”在路上奔馳。本次專輯分三集,第一集我們先從W211在國外的市場狀況談起,並逐漸將重點拉回台灣,請慢用!
Have you always wanted to create and sell digital products online? This training is the ideal starting point! Find out more at: https://cryptotrainingreview.com/an-introduction-to-jason-fladlien-the-100-million-webinar-man/ Women on Amazon City: Camberwell Address: 11/59 Athelstan Road Website https://danhollingstheplanreview.com/ Phone +61405406403 Email regina@womenonamazon.com
雖說從現今角度來看Mercedes-Benz W210 E-Class的四圓燈造型帶著復古風的造型相當討喜,但在當時它可算是該廠在造型上的一大突破,和先前W124保守的風格有著極明顯的不同,一推出後深獲全球市場的肯定,連帶影響之後的W211、四個方型頭燈設計的W212等車款。W210 E-Class除了外型外還有什麼魅力讓全球車迷們趨之若騖?這次將分三集,分別針對其開發歷程、台灣、全球市場的故事娓娓敍述,本集我們著重W210小改款後在台灣的故事,請慢用! CELSIORS Youtube頻道:https://www.youtube.com/channel/UCo3IxZ-cdzucOFOOY3CBe1w
雖說從現今角度來看Mercedes-Benz W210 E-Class的四圓燈造型帶著復古風的造型相當討喜,但在當時它可算是該廠在造型上的一大突破,和先前W124保守的風格有著極明顯的不同,一推出後深獲全球市場的肯定,連帶影響之後的W211、四個方型頭燈設計的W212等車款。W210 E-Class除了外型外還有什麼魅力讓全球車迷們趨之若騖?這次將分三集,分別針對其開發歷程、台灣、全球市場的故事娓娓敍述,本集我們著重W210在台灣市場前期的點滴,請慢用! CELSIORS Youtube頻道:https://www.youtube.com/channel/UCo3IxZ-cdzucOFOOY3CBe1w
雖說從現今角度來看Mercedes-Benz W210 E-Class的四圓燈造型帶著復古風的造型相當討喜,但在當時它可算是該廠在造型上的一大突破,和先前W124保守的風格有著極明顯的不同,一推出後深獲全球市場的肯定,連帶影響之後的W211、四個方型頭燈設計的W212等車款。W210 E-Class除了外型外還有什麼魅力讓全球車迷們趨之若騖?這次將分三集,分別針對其開發歷程、台灣、全球市場的故事娓娓敍述,請慢用! CELSIORS Youtube頻道:https://www.youtube.com/channel/UCo3IxZ-cdzucOFOOY3CBe1w
Mercedes-Benz isn't joking with its battery-electric endeavors. The company is rolling out a full line of battery-electric products that are analog to its internal-combustion portfolio. The '23 Mercedes-Benz EQE and its AMG equivalent fill the battery-electric space for E-Class devotees to make the step toward electric motors and away from internal combustion. Launched last year, the EQE sedan borrows the same styling conventions as the more expensive EQS and follows the established trend of having a hopped-up AMG variant. Starting at the EQE 350+, you'll get a rear-drive battery-electric E-Class. Moving up to the EQE 4Matic nets you two motors, and the EQE 500 nets you even more power from those motors. Topping the range is the AMG EQE, which throws 617 hp and 738 lb-ft of torque to the wheels and launches you to 60 mph in 3.2 seconds. On this episode of Quick Spin, Autoweek's executive editor Tom Murphy hops behind the wheel of the '23 Mercedes-Benz EQE 350 4Matic and the '23 Mercedes-AMG EQE. Murphy takes you on a tour of the EQE 350 and highlights his favorite features. Later, Murphy takes you on a live drive review of this battery-electric ‘Benz. While chatting with host Wesley Wren, Murphy talks about the differences between his experiences with the standard EQE 350 and the Mercedes-AMG EQE. Murphy and Wren also discuss how the cars perform, their respective prices, and more. Closing the show, the pair breakdown what makes the AMG EQE and the EQE 350 special.
Hey all Eclass here and I am talking about things that can kill your dreams. Are you standing in the way of your dreams? --- Send in a voice message: https://podcasters.spotify.com/pod/show/ericka-haskins/message Support this podcast: https://podcasters.spotify.com/pod/show/ericka-haskins/support
Kickball for adults is becoming popular, so we spoke to P.E. teachers and asked in they still play kickball and dodgeball in class. Morning Mixers shared the various places they locked themselves out. We also spoke with Mixers who were attacked by a swarm of bees. Learn more about your ad choices. Visit podcastchoices.com/adchoicesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Kickball for adults is becoming popular, so we spoke to P.E. teachers and asked in they still play kickball and dodgeball in class. Morning Mixers shared the various places they locked themselves out. We also spoke with Mixers who were attacked by a swarm of bees. Learn more about your ad choices. Visit megaphone.fm/adchoices
Its cool to issue tigger warnings but it seems like you can't say anything anymore without people being so damn triggered!!!! Eclass with my unpopular opinion segment --- Send in a voice message: https://podcasters.spotify.com/pod/show/ericka-haskins/message Support this podcast: https://podcasters.spotify.com/pod/show/ericka-haskins/support
- EVs Headed For 50% Global Market Share - Stellantis Offers UAW Buyouts - GM Cruise Now Operates 24/7 In San Francisco - Lucid Readies Its First SUV - GM to Drop Chevy Bolt - Fisker Gets EU Ok to Sell Cars - Tesla Testing Chargers for All in China - Toyota bZ3 Uses BYD Tech - BMW i5 Uses Eye Gestures - Mercedes Unwraps New E-Class - Bosch Buys U.S. Chip Plant
- EVs Headed For 50% Global Market Share - Stellantis Offers UAW Buyouts - GM Cruise Now Operates 24/7 In San Francisco - Lucid Readies Its First SUV - GM to Drop Chevy Bolt - Fisker Gets EU Ok to Sell Cars - Tesla Testing Chargers for All in China - Toyota bZ3 Uses BYD Tech - BMW i5 Uses Eye Gestures - Mercedes Unwraps New E-Class - Bosch Buys U.S. Chip Plant
Review can be found on Eclass
- Shareholders Sue Tesla Over FSD - Stellantis Buys a Copper Mine - Range Rovers Can't Get Insurance - EV Sales Slow in China - Lithium Prices Could Plummet - Nissan Adding More EVs - New Ford Ranger This Summer in the U.S. - U.S. Pedestrian Fatalities Up 5% - Mercedes E-Class Gets Eye-Popping Features
- Shareholders Sue Tesla Over FSD - Stellantis Buys a Copper Mine - Range Rovers Can't Get Insurance - EV Sales Slow in China - Lithium Prices Could Plummet - Nissan Adding More EVs - New Ford Ranger This Summer in the U.S. - U.S. Pedestrian Fatalities Up 5% - Mercedes E-Class Gets Eye-Popping Features
The Automotive Troublemaker w/ Paul J Daly and Kyle Mountsier
We've got that Friday feeling as we cover what's going on in some current and future plants across the US. We also talk about the new model from Mercedes that let's users engage…TikTok. We'll also cover some airline results that sound all too familiar. There is increased attention on manufacturing plants these days as Dealers are searching for the ‘new normal' regarding getting the inventory they need, getting too much inventory, and being able to offer their customers tax incentive dollars toward a new EVAudi CEO Markus Duesmann said the company is considering building a factory in North America in order to take advantage of the generous Inflation Reduction Act incentives. Audi has committed to building only EV's by the year 2026 and does not currently produce any in the US meaning it's customers are not eligible for the $7500 tax creditParent company Volkswagen's plant in Chattanooga, Tennessee, began producing the ID.4 last year and is shooting for 90,000 EVs in 2023Duesmann said it is possible that Audi and VW have some sort of joint effortFord announced it will be extending the downtime of its Louisville plant making the refreshed Escape and Corsair to March 6th as they battle a software issue in the center cluster. Next week will be the 4th week the plant has been downThe plant's building chairman, Brandon Reisinger, told employees they believe they have solved the software problem and will begin installing the fix broadscaleThis comes on the heels of a story we covered earlier this week about GM idling their Indiana truck plant to manage inventoryMercedes Benz announced that their new E Class will be loaded with sophisticated new features only to be enjoyed by the upper crust of society. Namely, enhanced voice control, smart lighting, a Superscreen, a selfie cam, TikTok, and Zoom.The new “Superscreen”, combines the large central touchscreen with a second display in front of the passenger where the passenger can stream video content According to the Verge article “Depending on the car's equipment, a selfie and video camera is mounted either in the gauge display or on top of the dashboard, and the E-Class will offer both Zoom and Webex by Cisco video conferencing, the Vivaldi web browser, and even TikTok. “Airlines seem to be taking a page out of the Auto Industry's playbook as they are posting record profits in decreased sales numbers. Just a year ago, they were losing billionsA combination of factors includingGet the Daily Push Back email at https://www.asotu.com/ JOIN the conversation on LinkedIn at: https://www.linkedin.com/company/asotu/ Read our most recent email at: https://www.asotu.com/media/push-back-email Share your positive dealer stories: https://www.asotu.com/positivity ASOTU Instagram: https://www.instagram.com/automotivestateoftheunion
W124 E-Class當年在台灣賣得還不錯,總代理引進速度自然也積極不少。W124在前、中期時車型標示是將數字放在前面、英文字在後面,例如200E、300E,不過在1993年後期車型推出後則改成我們所熟悉英文字+數字,例如E200、E280、E320。W124在台灣還曾出現過5門旅行車和敞篷車,這兩款車時至今日有哪些地方需要注意?為什麼?來聽Celsior怎麼說?
代號W124的E-Class通常大家會將它區分為早期、中期、後期三個階段,上一集內容著重於前期,本集我們將重點擺在中期和4Matic。1992年W124曾進行引擎動力的更換,重點在於引擎改為多氣門型式、供油型式由機噴改為電噴,但由於外型內幾乎沒有更動,因此判斷上有些不易,當然,如果想蒐藏最好建議是以電噴引擎為主。另外,W124當年曾少量引進4Matic四傳系統,但過來身份的Celsior確極力不建議,為什麼?
[รวมมาให้แล้ว! กว่า 100 กองทุน E-Class (ทุก บลจ.) รวมลงทุนได้ 3 ล้านบาท!] ติดตามรายการ 'ลงทุนนิยม' กับ ผู้ริเริ่มแนวคิด 'ใช้แรงทำเงิน ให้เงินทำงาน' เฟิร์น ศิรัถยา อิศรภักดี
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Kicking it about goals; having goals, settling goals, and accomplishing goals --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/www.kickinitwityogirlz.com/message
Alex Johnson, Athletic Director at Prescott Junior High (Modesto, CA), joins host Scot Bertram to discuss what a P.E. class should look like today, how to encourage students to be excited about physical education, and why the class should be a priority.See omnystudio.com/listener for privacy information.