Podcasts about Employment

In this Ask the Expert episode, HR expert Kathleen Hermacinski joins the show to discuss how candidates can assess an institution's approach to work-life balance without asking the question directly. She shares different ways to inquire about weekly rhythms, busy seasons, team support, and leadership modeling. Kathleen also explains what inconsistencies, vague answers, or “family” language may signal, and why observing the communication style during the search offers important clues.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Steve Selengut. Also known as The Income Coach. Here's a detailed summary of the episode:

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Steve Selengut. Also known as The Income Coach. Here's a detailed summary of the episode:

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Steve Selengut. Also known as The Income Coach. Here's a detailed summary of the episode:

On the first day of 2026, Minnesota will introduce a new benefit for most workers in the state.  It's a paid family and medical leave program that guarantees access to time off to bond with a new child, recuperate from a major medical issue or care for an ill family member. The program replaces a portion of someone's wage for a leave that can span weeks. Minnesota is the 13th state to go down this path, but its program is among the nation's most ambitious. MPR News host and politics editor Brian Bakst talks with his guests about eligibility criteria, how people can tap into the program and what they and their employers need to keep in mind.Guests:Dana Ferguson is a political reporter for MPR News.Greg Norfleet is the Paid Leave director for the Minnesota Department of Employment and Economic Development, also known as DEED.Justin Terch is a consultant with Terch and Associates, a human resources consulting firm. He is also president of the Minnesota State Council of the Society of Human Resource Management and he serves on the board of Essentia Health, a Duluth-based health care system that operates mainly in rural areas in the upper Midwest. For more information about Minnesota's Paid Leave program, visit: paidleave.mn.gov or call 844-556-0444 or 651-556-7777. The phone lines are staffed from 8 a.m. to 4:30 p.m. Monday through Friday, except holidays.

In exactly one month on Jan. 1, Minnesota will introduce a new benefit for most workers in the state. It's a paid family and medical leave program that guarantees access to paid time off; for new parents, to recover from a medical issue, or to care for a sick family member. It's a big change for Minnesota's employers — and the workers who can take advantage of it. Evan Rowe is the deputy commissioner of workforce services at the Minnesota Department of Employment and Economic Development. He joined Minnesota Now host Nina Moini to explain what you need to know before the launch.

Minister for Enterprise, Tourism and Employment, Peter Burke on how the government intends to approach tourism amid decreasing spend from foreign visitors.

Has flexible or remote work made work more fun and has the freedom made us happier? The nine to five has changed a lot of recent years; covid forced some business to adapt with working from a home a major shift. But it's not without its challenges, as the lines between work and home have blurred. Auckland University Social Scientist, Barbara Plester has been exploring these questions and spoke to Lisa Owen.

⭐️⭐️ Special thanks to our sponsor, Vanta AI. Get $1000 off at vanta.com/mydailybusiness  ⭐️⭐️The Subject Object Market will run 10am - 2pm AEDT THIS WEEKEND - Saturday 6th December at the Warrandyte Mechanics Institute, Cnr Yarra St and Mitchell Av, Warrandyte. In this quick tip episode, Fiona digs into a behaviour she sees all the time in small business — self-sabotage. From saying you want more media exposure to turning opportunities down because you “don't feel ready,” this episode is a reality check wrapped in encouragement. Fiona shares real examples, practical questions to ask yourself and why fear might be stopping you from the growth you're craving.What You'll LearnWhy so many small business owners unknowingly block their own opportunitiesThe difference between saying no because something isn't aligned and saying no because you're scaredHow to accept PR, podcast and media opportunities before you feel “ready”Simple questions to ask yourself to stop self-sabotageWhy feeling nervous is normal (even for experienced people) and how to act anywayHow small, brave yeses create visibility, connections and growthFollow IG @subject__object for more market information  Sponsored by Vanta AI: vanta.com/mydailybusinessConnect with My Daily Business:Instagram: @mydailybusiness_TikTok: @mydailybusinessEmail: hello@mydailybusiness.comWebsite: mydailybusiness.comResources mentioned:Vanta AIAI Monthly Chat Group for Small Business OwnersHow to Get Your Book Published course Join our AI Chat Group for small business ownersMy Daily Business courses - mydailybusiness.com/courses Special thanks to our sponsor, Vanta AI. Get $1000 off at vanta.com/mydailybusiness Want to get your #smallbusiness sorted in 2026? Check out our 1:1 business coaching packages from a one-off session to 6-months of coaching. Want to know more about AI and how to harness it for your small businesS? Join our new monthly AI chat for small business owners. You can join anytime at www.mydailybusiness.com/AIchat Try out my fave AI tool, Poppy AI here and use discount code FIONA. We also love Descript. Connect and get in touch with My Daily Business via our shop, freebies, award-winning books, Instagram and Tik Tok.

The Government has announced a new plan to combat declining spend by visitors.Peter Burke is Minister for Enterprise, Tourism and Employment, and joins Ciara Doherty to discuss.

Hora labora employment the good bad and ugly of the truth of a simple life in Christ.

Maybe there will be a pipeline in BC? Guest: Heather Exner-Pirot,  Senior Fellow and Director of Energy, Natural Resources and Environment at the Macdonald-Laurier Institute in Ottawa Are temporary foreign workers getting stuck by abusive employers? Guest: Catherine Connelly, Professor at McMaster Centre for Research on Employment and Work Weight loss drugs are changing portions at restaurants Guest: JoAnn McArthur, Founding Partner and President of Nourish Food Marketing The story of Santa's Postal Code Guest: Craig Baird, Host of Canadian History X Getting ready for Alcohol and the Sober Season. Guest: Dr. Sara McMullin - Assistant Professor of Psychology, Department of Psychology at Webster University, Take a break from booze this season Learn more about your ad choices. Visit megaphone.fm/adchoices

Singapore has seen a string of abrupt business closures — from Art Works to Twelve Cupcakes and Jollibean — leaving employees suddenly jobless and owed unpaid wages. These incidents highlight a recurring gap: when companies collapse without warning, what real protections do workers have, and what immediate steps can they take to safeguard themselves? Krist Boo, Senior Business Correspondent at the Straits Times & Ian Lim, Partner, TSMP Law Corporation and head of TSMP’s Employment & Labour team, join the Breakfast Show to unpack how current laws work, what recourse workers actually have, and the practical actions employees should take the moment a closure is announced.See omnystudio.com/listener for privacy information.

New Zealand's minimum wage is high by international standards, compared to our median wage. We're sitting at fifth in the world for minimum wage compared to the average, and commentators say change will be needed if we want to avoid "bunching" at the bottom of the pay scale. Money correspondent Susan Edmunds spoke to Ingrid Hipkiss.

Welcome to GRCAM Monthly Virtual Interactive Conference, I'm your host Emmanuel Barbee. I am the Founder, President and CEO of (GRCAM) the Grass Roots Community Activist Movement. It does not matter how bad I would like to get my Christian business up and running in Chicago with out financial support from the Black Grassroots and the Global African Family then I am unable to do my God given assignment. For 34 years I have sacrifice my life trying to recruit like minded Black Americans in Chicago and online to work with me in turning my vision and plan to help improve Black Chicago and yet still to this day I am on first base this is unacceptable ladies and gentlemen.Global African Family if you are serious about me expanding my Christian business to the African continent then first please purchase my e-book and read my story. If you agree with my vision and plan to help improve Black Chicago then you will automatically become a GRCAM Member. Please help me get my revised book on the best seller's list so that the Black world would take our cause seriously. Secondly, encourage African Immigrants who live in the United States of America from 10 African nations: South Africa, Kenya, Ethiopia, Tanzania, Uganda, Angola, Liberia, Ivory Coast, Ghana and Nigeria to work with me. This will help speed up the process. The reason African Immigrants are able to reach their American dream is because of my ancestors who fought and died during the Civil Rights Era to help get African Immigrants, Afro-Caribbeans and other non-White Immigrant groups to come to this country. They have access to Education, Immigrant loans, Housing and Employment. The Vision of GRCAM is to build a bridge between the African American community and the African Immigrant community. Our main objective for Black Americans who become GRCAM Members is for them to heal from this Slave mentality imposed on our people by the White Supremacist Financial Elites. And for African Immigrants who become GRCAM Members to heal from this Colonized Mindset imposed on them by the White Supremacist Financial Elites. GRCAM Members will build the best African American business within the United States of America. The Grass Roots Community Activist Institute of Chicago. In GRCAI of Chicago, both groups will learn how to respect each other's culture, learn how to trust one another, learn how to do business with each other so that we can replicate this business model on the African continent. We want the Diaspora to invest in the people, the culture, help assist in building the infrastructure, and bring business development to Africa and viceversa for Native Africans to do international trade with our people within the low income African American community in order for their to be a win win situation for both groups.We host these Zoom Live Event on the last Saturday of the month in order to interact with our listeners and to raise funds for our film project (Hood Liberator Made In Chicago The War Against Willie Lynch Begins). We're using three crowd funding sites: GoFundMe, Buy Me A Coffee and PayPal Giving Fund. Our objective is to raise $250 thousand dollars then we will encourage GRCAM Members who are part of our Film Project Team to come to Chicago so that we can begin hosting auditions for a role in the film etc .. Once we get this film project fully funded and made I want to make sure that Sister Rena will be well taken care of then I plan on turning the business over to my management team and lead by example by applying for dual citizenship in South Africa. My focus is on legacy building. #NotAnother34Years #M1

Welcome to GRCAM Monthly Virtual Interactive Conference, I'm your host Emmanuel Barbee. I am the Founder, President and CEO of (GRCAM) the Grass Roots Community Activist Movement. It does not matter how bad I would like to get my Christian business up and running in Chicago with out financial support from the Black Grassroots and the Global African Family then I am unable to do my God given assignment. For 34 years I have sacrifice my life trying to recruit like minded Black Americans in Chicago and online to work with me in turning my vision and plan to help improve Black Chicago and yet still to this day I am on first base this is unacceptable ladies and gentlemen.Global African Family if you are serious about me expanding my Christian business to the African continent then first please purchase my e-book and read my story. If you agree with my vision and plan to help improve Black Chicago then you will automatically become a GRCAM Member. Please help me get my revised book on the best seller's list so that the Black world would take our cause seriously. Secondly, encourage African Immigrants who live in the United States of America from 10 African nations: South Africa, Kenya, Ethiopia, Tanzania, Uganda, Angola, Liberia, Ivory Coast, Ghana and Nigeria to work with me. This will help speed up the process. The reason African Immigrants are able to reach their American dream is because of my ancestors who fought and died during the Civil Rights Era to help get African Immigrants, Afro-Caribbeans and other non-White Immigrant groups to come to this country. They have access to Education, Immigrant loans, Housing and Employment. The Vision of GRCAM is to build a bridge between the African American community and the African Immigrant community. Our main objective for Black Americans who become GRCAM Members is for them to heal from this Slave mentality imposed on our people by the White Supremacist Financial Elites. And for African Immigrants who become GRCAM Members to heal from this Colonized Mindset imposed on them by the White Supremacist Financial Elites. GRCAM Members will build the best African American business within the United States of America. The Grass Roots Community Activist Institute of Chicago. In GRCAI of Chicago, both groups will learn how to respect each other's culture, learn how to trust one another, learn how to do business with each other so that we can replicate this business model on the African continent. We want the Diaspora to invest in the people, the culture, help assist in building the infrastructure, and bring business development to Africa and viceversa for Native Africans to do international trade with our people within the low income African American community in order for their to be a win win situation for both groups.We host these Zoom Live Event on the last Saturday of the month in order to interact with our listeners and to raise funds for our film project (Hood Liberator Made In Chicago The War Against Willie Lynch Begins). We're using three crowd funding sites: GoFundMe, Buy Me A Coffee and PayPal Giving Fund. Our objective is to raise $250 thousand dollars then we will encourage GRCAM Members who are part of our Film Project Team to come to Chicago so that we can begin hosting auditions for a role in the film etc .. Once we get this film project fully funded and made I want to make sure that Sister Rena will be well taken care of then I plan on turning the business over to my management team and lead by example by applying for dual citizenship in South Africa. My focus is on legacy building. #NotAnother34Years #M1

Send us a textJayne Amelia speaks with Jenny Serrano, a former foster youth  and now administrator at DCFS. Exiting foster care in the 1990s after spending six years in the child welfare system left an indelible mark on Jenny Serrano. Ill-prepared for the responsibilities that came with living on her own, she struggled.“After I left care, I was homeless, lived in a shelter and remained precariously housed until I finished graduate school,” Jenny said. “When I exited care, there weren't a lot of opportunities available or even a broad awareness of what youth needed.”Since that time, however, assistance for youth exiting care has evolved significantly, in large part due to input from Jenny and others with lived experience.Now a children services administrator with the Los Angeles County Department of Children and Family Services (DCFS), Jenny works tirelessly to support older youth and prepare them for the transition into adulthood.Jenny and her dedicated team of nine staff members in the Youth Development Services (YDS) Division manage a number of workforce initiatives through partnerships with other agencies that aim to help current and former foster youth gain job experience through subsidized employment and internships.For example, Jenny recalls a young mother who completed 400 hours of work experience as a recreation leader at a local city park through the Bridge to Work program. She was later hired full time by the program, allowing her to get her own apartment and purchase her first car.“Many of our youth are entirely responsible for their own financial well-being as soon as they exit care,” Jenny said. “Employment preparation and career exposure are essential to ensuring the success of young adults.”Although research shows that work experience prior to age 18 dramatically improves later employment outcomes, nearly 90 percent of foster youth in California do not have a job at age 17, according to the National Youth in Transition Database. Data further reveals that more than 40 percent of these young people are still unemployed when they turn 21.To address this issue, YDS employment programs provide youth with pre-work training in various soft skills, such as communication, attitude, teamwork and critical thinking, followed by paid work experience supervised by a case manager and an employer. DCFS also offers paid internships within the department, as well as project-based internships for academic credit.Earlier this year, Jenny and her team received an award from the Los Angeles County Quality and Productivity Commission for developing and implementing an automated referral system that links DCFS to a network of more than 40 job centers. Thanks to the team's ingenuity, the likelihood of future employment for current and former foster youth has greatly increased.Reflecting on her own experience, Jenny is motivated by the memory of one committed DCFS coordinator who supported her as she struggled to find her footing. “He always took my calls from payphones at odd hours and always had a pocket full of quarters to give me for my laundry,” she said. “I think of him and show up every day the way I wish more people would have showed up for me.”See bonusbabies.org to learn more about what we are doing and please donate to support us by making a 100% tax-deductible contribution. EVERY PENNY OF YOUR CONTRIBUTION GOES TO RECORDING AND PLATFORMING THESE STORIES. Yeah!IG@bonusbabiespodcastTW@BonusBabiesPodFB@BonusBabiesPodcast

Sub-Saharan Africa has a youth unemployment problem. The latest figures from the International Labour Organisation show more than one in five young people there are "NEET": Not in Employment, Education or Training. Structural issues like the lack of political stability in many countries and lagging infrastructure remain major barriers to high quality job creation. But the gig economy has been growing rapidly thanks to the proliferation of digital platforms. The The BBC's Wairimu Gitani reports.

Sub-Saharan Africa has a youth unemployment problem. The latest figures from the International Labour Organisation show more than one in five young people there are "NEET": Not in Employment, Education or Training. Structural issues like the lack of political stability in many countries and lagging infrastructure remain major barriers to high quality job creation. But the gig economy has been growing rapidly thanks to the proliferation of digital platforms. The The BBC's Wairimu Gitani reports.

What makes a job ethical? Who truly holds power in the workplace? And why does it matter now more than ever?Meet Dr. Travis Schatchner!Dr. Travis Schachtner's views on leadership and employment ethics are shaped by decades of hard work and personal experience. Growing up on a family farm in rural Wisconsin, he learned that all work has a basic value that should be respected.In his book, Employment Ethics: Redefining the Employer-Employee Relationship, Dr. Schatchner forms the foundation for a fresh perspective on modern work. For too long, ethical responsibility has been unfairly placed on workers, while employers-driven by profit and protected by power-often avoid accountability. This book challenges that imbalance by redefining employment as a transactional relationship, not a personal favor or moral crusade.Currently, he teaches Electromechanical Systems at Saint Paul College. When asked why he chooses to teach that instead of leadership or management he explains, “We have enough managers and wannabe leaders in the world; we need more people who can actually fix things.” Listen as Travis shares:The four core pillars of work ethic-and how they're often exploitedWhy employers are not inherently leaders-and shouldn't be treated as suchThe hidden cost of toxic and imbalanced workplace dynamicsWhat employer ethics are-their history and why they matterPractical tools for evaluating your current employment relationship...and so much more!Connect with Dr. Schatchner:Website: https://www.ftsleaders.comAdditional Resources:"Employment Ethics" by Dr. Travis Schatchner on AmazonListen to the Podcast, subscribe, leave a rating and a review:Apple: https://podcasts.apple.com/us/podcast/the-future-of-leadership-employment-ethics-w/id1614151066?i=1000738706400Spotify: https://open.spotify.com/episode/74Qd4EQu9DhlzgptpAR3x7?si=8uGbSb4kSgCNm2bWxOdkvQhttps://open.spotify.com/episode/74Qd4EQu9DhlzgptpAR3x7YouTube: https://youtu.be/cb_6_miXxKQ

The Canadian consensus on immigration cratered last year. In the fall of 2024, an Environics poll found that for the first time in a quarter century most Canadians felt there was too much immigration. Under former prime minister Justin Trudeau, the country experienced one of the biggest periods of immigration growth in its history, but after the shift in public opinion, the Liberal government reversed course. Despite big reductions to immigration levels, most Canadians still think rates are too high.Today, The Decibel is looking at how Canada's relationship with immigration significantly changed, what it's meant for the country and the people who have immigrated to it, and where we go from here.Tony Keller, Globe columnist and author of Borderline Chaos: How Canada Got Immigration Right, and Then Wrong, will walk us through what motivated Trudeau's dramatic changes to the immigration system and how they impacted the country. And then, Rupa Banerjee, professor and Canada Research Chair in Economic inclusion, Employment and Entrepreneurship of Canada's Immigrants, will explain the effect that whiplash-like changes to the system have had on recent immigrants and our economy.Questions? Comments? Ideas? E-mail us at thedecibel@globeandmail.com Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Eighty-year-old Ken McLeod started in the meat industry in 1962, when he was only 16. He spoke to Corin Dann.

Meta and Deloitte Ireland hosted a Llama for Good Hackathon aimed at empowering Irish NGOs to harness the power of AI for public good. The event, hosted at Meta's International HQ in Ballsbridge, brings together leading NGOs the Open Doors Initiative, Citywise Education and NOW Group to co-create innovative solutions using Meta's Llama AI model. 16 engineers from Deloitte Ireland and Meta will be working on Meta's Llama to develop workable AI prototypes designed to address real-world challenges faced by the participating NGOs, with potential AI solutions ranging from partnering mentors with mentees, to streamlining course delivery for inclusive education programs. Meta's Llama is a free, open source AI model that removes cost barriers and makes advanced technology accessible to NGOs of all sizes. By enabling organisations to build custom solutions tailored to their communities, Llama fosters local innovation and rapid problem-solving. Its efficient design allows deployment even on modest hardware, making it practical for NGOs with limited technical resources. The Open Doors Initiative connects jobseekers with experienced professionals, offering guidance, career advice, and pathways to sustainable employment. Much of this work is currently manual, limiting scale and efficiency. Through the Hackathon, they aim to explore how AI can automate mentor-mentee matching based on industry, experience, and professional goals. Citywise Education, which supports young people in underserved communities on their path to third-level education, is also exploring how to streamline its back-office processes and course delivery - using today's Hackathon as a first step. NOW Group supports neurodiverse people across Ireland with access to training, employment and community opportunities. Through the Hackathon, they aim to explore how AI can link currently siloed data - especially around the publicly available JAM Card - to better identify potential users and business partners and use insights to drive growth and impact. Opened by Minister for Enterprise, Tourism and Employment, Peter Burke, Anne O'Leary, Head of Meta Ireland, and Emmanuel Adeleke, Deloitte Ireland partner in Technology & Transformation, today's event will support NGOs in hands-on AI prototyping, and will feature dedicated AI fluency sessions designed to upskill participants and deepen their understanding of artificial intelligence. These sessions will ensure that all attendees, regardless of technical background, gain practical knowledge and confidence in applying AI tools like Llama to their missions. Opening the event Peter Burke, Minister for Enterprise, Tourism and Employment, said: "I am delighted to take part in today's Llama for Good Hackathon, hosted by Meta and Deloitte Ireland, aimed at actively developing new ways that AI can help NGOs deliver better services to the people and communities they support. Open-source technologies have strong potential to drive long-term innovation, economic growth and competition across our society. Ireland, as a key European digital leader, is building a future where AI is transformative and trusted. Today's event reflects the potential of this technology to create real world impact and positive change". Speaking at the event Anne O'Leary, Head of Meta Ireland, said: "Meta's Llama is a game-changer for NGOs. As an open source and free-to-use AI, Llama removes financial barriers and empowers organisations to innovate locally, building solutions tailored to their communities and missions. Our Llama models have been downloaded over 1.2 billion times, with real-world projects already making a difference - a massive endorsement of the potential for Meta's AI to drive innovation, economic growth, and competition. I'm very proud to see dynamic Irish NGOs like the Open Doors Initiative, Citywise Education and NowGroup benefit from Llama and wider industry expertise at today's Llama for Good Hackathon, and I look forward to seeing how the ideas...

Emma Webb, author of Historic, exposes the untold history of Olga Gymnastics club and the Phelps family legacy. We break down the abuse scandal, the Whyte Review, Gymnasts for Change, and how survivors pushed British Gymnastics to finally reform. INTERVIEW We talk with Emma Webb (pseudonym), author of the new book Historic: The True Legacy of Childhood Sport - The Book Every Parent Needs to Read, a memoir detailing the trauma and abuse she endured under convicted child sex offender Brian Phelps, plus the aftermath of how the British legal system chose to protect abusers over children CHAPTERS (pre-auto inserted ads) 00:00 – Trigger Warning SA 01:03 – Brian Phelps' criminal charges and conviction   01:39 – The broader British gymnastics abuse reckoning   02:01 – Gymnasts for Change and the Whyte Review   02:36 – Restorative Program & the £15,000 split survivor offer   03:28 – How Emma first contacted GymCastic   03:44 – The long-term psychological and medical impact   04:10 – Doctors discovering internal injuries from childhood abuse   06:10 – Phelps' police interviews and his admissions   07:26 – Why survivors didn't pursue further prosecution   08:05 – Brian and Monica's life in France & public exposure   10:19 – Mapping all Olga locations & survivor triggers   11:05 – The pandemic pause and worsening mental health   11:33 – Discovery of the Phelps Legacy Club in 2022   12:10 – Multiple Phelps family members and their roles   12:22 – The "new" Renascence club operating despite convictions   12:28 – Timeline of Phelps fleeing & survivor disclosures   13:01 – A disturbing encounter: the club near Emma's son's bus stop   14:20 – Emma's decision: "Enough." Why she wrote Historic   15:06 – Reporting to the Whyte Review & British Athletes Commission   16:30 – Why reporting in the UK is a bureaucratic nightmare   17:36 – How reporting was mishandled & why systems fail   18:22 – How British Gymnastics and the council were complicit in Brian Phelps crimes 19:24 – Employment history: Phelps employed by the government & BBC   21:00 – Coaches and community "knew something was wrong"   21:14 – Other roles Monica and Brian held despite accusations   21:23 – The name "Renaissance" and why it matters   22:03 – How the club reopened after his release   22:45 – A fully avoidable tragedy: Phelps' first arrest in 1966   23:31 – Commonwealth Games cover-up to protect his career   24:34 – Royal audiences for Phelps & protected reputations   25:05 – The 10-year gap between his arrest and Emma meeting him   26:09 – How court attitudes toward sexual abuse haven't changed   27:03 – The Nik Stuart Foundation honoring Monica Phelps   28:13 – British Gymnastics leadership celebrating the Phelps family   29:29 – Video clip from the ceremony: denial of the Whyte Review   30:23 – Widespread knowledge in diving and gymnastics   32:03 – Comparing the Whyte Review to US investigations   33:25 – How the Whyte Review minimized sexual abuse   34:00 – Abuse in British Gymnastics: a larger pattern   35:55 – Non-sexual forms of abuse and lifelong harm   36:20 – Warning signs parents should not ignore   37:04 – Why the culture enables predators   38:17 – Parents' responsibility & due diligence   39:26 – Closed-door clubs & lingering dangers   40:39 – Male survivors vs. female survivors: unequal response   41:13 – How BG acted quickly for boys, not for girls   42:06 – Phelps' public statement denying Emma's reporting   43:29 – No mandatory reporting for the public in the UK   44:33 – Comparison to mandatory reporting vs good samaritan laws 45:05 – The UK protects money better than children   45:46 – How political leadership minimizes child abuse   46:12 – British boarding school culture & abuse   47:10 – What reforms are needed: national banned list & ombudsman   48:05 – Name changes allow offenders to disappear   48:14 – Hundreds of convicted offenders now untraceable   48:18 – How many survivors have come forward   49:01 – How many survivors known before the book   49:27 – Realizing past abuse only after adulthood   50:07 – Childhood context and normalization of abuse   51:01 – "Trust and Obey" culture at Olga and British school  52:53 – The moment Emma became a survivor, not a victim   53:30 – Returning to Olga decades later   54:01 – Parental responses and guilt   55:05 – What acknowledging PTSD unlocked   56:02 – How the trauma resurfaced during the pandemic   57:23 – Complex PTSD and real recovery work   58:07 – Finding effective PTSD support    TOPICS Read Whyte Review Investigation, a full independent review into the allegations of abuse in British Gymnastics How we got in contact with Webb after our Commentator Hall of Shame episode What moved Webb to write this book? How many times had Brian Phelps been investigated and was still allowed to coach? That time Monica Phelps (neé Rutherford) was still recognized at an award banquet and thanked her "partner" How can we convince parents to act quickly and take their children out of dangerous situations? Difference between how British Gymnastics treated male victims vs female victims? Should countries pass  mandatory abuse reporting laws similar to good samaritan laws? How she finally got help and finding a great therapist. Silver linings in her journey. What does justice look like for Emma. RELATED: GymCastic's Safeguarding checklist - questions everyone should ask a gym before signing up or working at a gymnastics club Historic book website  Brian Phelps diving when he should have been in jail BBC Gymnastics historical sex abuse case: Survivor claims 'catastrophic failures' Monica Phelps awarded at 2003 Nik Stuart Foundation Mike Swallow speaks against Whyte Review at Nik Stuart Foundation awards Olga Gymnastics / Renascence Club corporate documents British Gymnastics hired private investigator to track down survivors of judge British Gymnastics banned list  Report - Childhood trauma increases risk of MS SafeSport Training British Gymnastics Safeguarding  The Balance: My Years Coaching Simone Biles Aly Raisman book GymCastic Episodes Gymnastics Commentary Hall of Shame Aly Raisman Interview  British Ute Amelie Morgan Lady Lisa Mason Beth Tweddle Interview SUPPORT THE SHOW: Join Club Gym Nerd: https://gymcastic.com/club/ Headstand Game: https://gymcastic.com/headstand-plugin/ Forum: https://gymcastic.com/community/ Merch: https://gymcastic.com/shop/ NEWSLETTERS Sign up for all three GymCastic newsletters  RESOURCES Spencer's essential website The Balance Beam Situation  GIFs of the Week and Meet schedule with links. Gymnastics History and Code of Points Archive from Uncle Tim Behind the Scenes - all episodes  

In the fifth episode of the parent series of Career Choice: The Intelligent Way, Punam interviews Dr Sweta Adatia, an award-winning neurologist, founder of Mybraindesign, a career mapping tool based on neuroscience, and the author of the Future Ready Now book. They discuss the new careers that will emerge with the advancement of AI and technology, and how to prepare for the future job market.

Grain handling is essential—but hazardous—work. On this episode of Farm Safety Roundup, host Shaun Haney digs into grain safety blitzes with Bruce Christianson of Employment and Social Development Canada (ESDC) and Jay Remsik of Workplace Safety & Prevention Services (WSPS). Together, they break down what these inspections mean for federally regulated grain operations and how... Read More

⭐️⭐️ Special thanks to our sponsor, Vanta AI. Get $1000 off at vanta.com/mydailybusiness  ⭐️⭐️The Subject Object Market will run 10am - 2pm AEDT Saturday 6th December at the Warrandyte Mechanics Institute, Cnr Yarra St and Mitchell Av, Warrandyte. In this episode, Fiona shares why she is returning to more human, real world connection in her business and how creating a small local market has reminded her of the value of community, creativity and presence alongside AI. She talks through the stallholders, the process, the stretch, and why doing something in person can shift so much in both work and life.Listeners will learn:• Why in-person connection still matters in an AI-driven business• How community and place can shape business decisions• What Fiona discovered while organising her first collaborative market• Why stretching yourself publicly can build confidence and creativity• The value of experimenting, embracing imperfection and doing things offlineFollow IG @subject__object for more market information  Sponsored by Vanta AI: vanta.com/mydailybusinessConnect with My Daily Business:Instagram: @mydailybusiness_TikTok: @mydailybusinessEmail: hello@mydailybusiness.comWebsite: mydailybusiness.comResources mentioned:Vanta AIAI Monthly Chat Group for Small Business OwnersHow to Get Your Book Published course Join our AI Chat Group for small business ownersMy Daily Business courses - mydailybusiness.com/courses Special thanks to our sponsor, Vanta AI. Get $1000 off at vanta.com/mydailybusiness Want to get your #smallbusiness sorted in 2026? Check out our 1:1 business coaching packages from a one-off session to 6-months of coaching. Want to know more about AI and how to harness it for your small businesS? Join our new monthly AI chat for small business owners. You can join anytime at www.mydailybusiness.com/AIchat Try out my fave AI tool, Poppy AI here and use discount code FIONA. We also love Descript. Connect and get in touch with My Daily Business via our shop, freebies, award-winning books, Instagram and Tik Tok.

Employment lawyer Patrick Dolan of Conti and Dolan joins Jon Hansen on Your Money Matters to discuss holiday festivities in the workplace and the reason you should be asking why after being laid off. Plus, September job numbers and how AI will affect the workplace.

MobReady is connecting Aboriginal and Torres Striat Islander people with employment and training opportunities.

Jason Childs is a professor of economics at the University of Regina. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of 'For the 23%', host Dielle engages in a deep conversation with Eduek Brooks about the experiences of women of color in entrepreneurship. The discussion covers personal debt stories, the importance of mindfulness in spending, the concept of lifestyle creep, and the necessity of having a financial surplus. The speakers emphasize the need for intentionality in financial decisions and the mindset shifts required to achieve financial abundance. In this conversation, the speakers discuss the mental barriers that prevent individuals from pursuing their financial goals and the importance of financial awareness. 00:00 — Introduction 02:42 — Debt Stories and Financial Mindfulness 05:55 — Lifestyle Creep and Financial Awareness 09:51 — Intentional Spending and Living Within Means 14:50 — Understanding Surplus and Financial Goals 18:08 — Mindset Shifts for Financial Abundance 21:45 — Overcoming Mental Barriers to Success 23:37 — The Importance of Financial Awareness 27:52 — Investing: A Path to Financial Freedom 35:57 — Transitioning from Employment to Entrepreneurship 39:34 — Empowerment as a Woman of Color Business Owner Connect With: Eduek Brooks Website: twosidesofadime.com Instagram: @twosidesofadime Email: eduek@twosidesofadime.com For the 23% is the women of color business and entrepreneurship podcast hosted by multi-million-dollar entrepreneur Dielle Charon. Each week you'll learn how to grow your sales, money, and freedom so we can increase the 23% of business owners who are women of color. Website: forthe23percent.com Instagram: @forthe23percent Membership: forthe23percent.com/membership

Jack Janasiewicz and Brian Hess discuss the year's key market themes, the government shutdown and model portfolio positioning.

The Gavel Podcast is the official podcast of Sigma Nu Fraternity, Inc., and is dedicated to keeping you updated on the operations of the Legion of Honor and connecting you to stories from our brotherhood. To find out more from the Fraternity, you can always check out our website at www.sigmanu.org. Also consider following us on: Facebook | Instagram | LinkedIn | YouTube | FlickrHave feedback or a question about this episode? Want to submit an idea for a future topic you'd like to see covered? Contact the Gavel Podcast team at news@sigmanu.org. Hosts for this EpisodeChristopher Brenton - Beta Tau Chapter (North Carolina State) Alumnus and Sigma Nu Fraternity's Director of CommunicationsGuest for this EpisodeJoseph Ditto - Mu Beta Chapter (Alabama in Huntsville) Alumnus and Event Producer for Pixel Point, LLC, Sigma Nu Fraternity's A/V Partner for College of Chapters and Grand ChapterGeneral ResourcesRegistration for College of Chapters is an intensive, interactive program for our collegiate chapter and colony Commanders, focusing on chapter management, leadership, and core competencies.Prospective Member Referral - Do you know a young man who would be an ideal candidate for Sigma Nu? Please submit a membership referral.Employment and Staff Hiring Resources - If you are interested in learning more about working for the Fraternity as a consultant. Please visit the employment webpage for resources and access to the position application. The application deadlines are October 15 and March 1. Applications are accepted on a rolling basis. Contact Scott Smith at scott.smith@sigmanu.org for more information.Become a Volunteer - Learn more and take the next steps to become a volunteer for the Fraternity.Establish or Serve an Alumni Chapter - Learn more about how to help establish and maintain an Alumni Chapter.Organize an Alumni Club - Learn more about how to become engaged with or set up an Alumni Club.Donate to the Sigma Nu Educational Foundation - Give a gift to help advance the Fraternity's honorable Mission.

Nicola Willis and Carmel Sepuloni joined Morning Report this morning for the Weekly Political Panel; Regional Development Minister and NZ First Deputy Leader Shane Jones has been one of the strongest critics of regional government, previously saying there is "less and less of a justifiable purpose" for keeping regional councils under the new RMA system; The owners of a property prone to severe flash flooding are taking Auckland Council to court for designating their house safe to live in; There's very little wiggle room when it comes to the rights and regulations around annual leave, according to an employment law expert; Kiwis are knocking back more lower-alcohol beers, but it's less about the alcohol and more about their waistlines, says one expert.

There's very little wiggle room when it comes to the rights and regulations around annual leave, according to an employment law expert. Employment Lawyer Alison Maelzer spoke to Corin Dann.

In this episode, Dr. Yi Hao, director of education and assessment at the Virginia Commonwealth University School of Pharmacy, and Dr. Mallory Neal, director of industry and alumni engagement at Clemson University, discuss the “good enough for now” approach and what it means for professionals building careers in higher education. They talk about finding momentum without rushing, recognizing when adaptability turns into overload, and giving yourself room to pause without losing direction. Yi and Mallory also outline ways to identify skills worth developing, draw on campus networks, and use daily work as a source of growth. The conversation highlights practical steps that help early and mid-career professionals move forward with clarity and intention.

We live in a time of automation and robotics; the machines run the factories, and AI will soon take all the jobs. Yet, even today, there are certain niche jobs where only an animal will do. Comedian and biologist Simon Watt meets some of them and the people who train them, study them, and love them. He starts with a business of ferrets (yes, that is their collective noun) at the National Ferret School in Derbyshire, who have swapped rabbit holes and trouser legs for drain-clearing, rewiring, and laying fibre optic cables. Ferret Trainer James McKay demonstrates why they are perfect for the job, as he casually folds one trainee into a tight pretzel.Simon visits the HQ of Medical Detection Dogs, a training facility in Milton Keynes where dogs are being trained to sniff the tell-tale signs of a host of diseases. You may have heard of their 'cancer dogs', but it goes much further - epilepsy, malaria, Parkinson's, even Covid-19. Dr Claire Guest explains.Although we have no real idea exactly how dogs do what they do, AI may be on the cusp of solving this puzzle for us. Simon speaks to Dr Andreas Mershin from start-up Realnose, which is developing “electronic noses".Finally, Simon meets some real heroes - HeroRats, to be precise. Not the same species that haunts our sewers, these are African Giant Pouched Rats, and their job as landmine detection specialists is saving lives across Thailand, Mozambique, Cambodia and Zimbabwe. Dr Cynthia Fast from UCLA trains them for the job.Presenter: Simon Watt Producer: Emily Knight

In this solo update episode, host Beverly Williams reconnects with her audience to share important updates about the show, insights into current employment challenges, and a powerful message of resilience and collaboration.  As she prepares to relaunch Your Employment Matters across YouTube, Apple Podcasts, and her website, Beverly emphasizes her ongoing commitment to providing meaningful guidance to job seekers, workers navigating change, and anyone invested in professional growth. Key Points The podcast is transitioning to YouTube, and over 100 existing episodes are being prepared for the platform. New content will return after the first of the year, and the show will continue to be available on Apple Podcasts and youremploymentmatters.com Employment remains a critical, ever-evolving issue, and Beverly is committed to offering personal perspective along with insights from guests who have valuable employment journeys and lessons to share. A new collaborative project is underway, involving people of different ages, backgrounds, and work experiences—all contributing to create meaningful employment-related resources. Collaboration is essential, and Beverly highlights the “three Cs” that make it effective: Communication, Coordination, and Cooperation. She encourages listeners to be intentional about who they work with and to cultivate a personal brand rooted in reliability, punctuality, and integrity. Everyone has value, and listeners are reminded to acknowledge those who help them, stay curious, and build relationships that expand their knowledge and opportunities. Practical encouragement for job seekers: While job loss is painful, your skills, talent, education, and knowledge remain yours. Beverly urges listeners to consider marketable skills, skilled trades, and fields less likely to be displaced by AI as viable, rewarding career paths. Beverly closes with a heartfelt reminder that while the job market may shift, your inherent value and ability to grow never changes. As Your Employment Matters enters its next chapter, she encourages listeners to stay connected, stay hopeful, and stay proactive. Her message is clear: with the right mindset, collaboration, and personal accountability, new doors will always open. Learn more about your ad choices. Visit megaphone.fm/adchoices

⭐️⭐️ Special thanks to our sponsor, Vanta AI. Get $1000 off at vanta.com/mydailybusiness  ⭐️⭐️What if one simple question could transform your entire business in 2026? In this episode, Fiona is sharing the exact question she asks every potential client that reveals the three things you should focus on to create real, meaningful change.Instead of trying to fix everything at once (we've all been there!), this episode will help you identify the THREE specific things that would make the biggest impact on your business over the next 12 months. We're talking real, actionable focus - not just growth for growth's sake.You'll discover:• The magic wand question that cuts through the noise• Why focusing on just 3 things beats a 47-item to-do list• Real examples of game-changing answers from other business owners• The three-perspective framework for choosing your priorities• How to turn your answers into your 2026 business planWhether it's confidence in marketing, launching that new category, or finally systemizing your processes - this episode will help you get crystal clear on what actually matters.Perfect timing as we head into the new year. Grab a pen and get ready to focus.  Sponsored by Vanta AI: vanta.com/mydailybusinessConnect with My Daily Business:Instagram: @mydailybusiness_TikTok: @mydailybusinessEmail: hello@mydailybusiness.comWebsite: mydailybusiness.comResources mentioned:Vanta AIOrygenHow to Get Your Book Published course Join our AI Chat Group for small business ownersMy Daily Business courses - mydailybusiness.com/courses Special thanks to our sponsor, Vanta AI. Get $1000 off at vanta.com/mydailybusiness Want to get your #smallbusiness sorted in 2026? Check out our 1:1 business coaching packages from a one-off session to 6-months of coaching. Want to know more about AI and how to harness it for your small businesS? Join our new monthly AI chat for small business owners. You can join anytime at www.mydailybusiness.com/AIchat Try out my fave AI tool, Poppy AI here and use discount code FIONA. We also love Descript. Connect and get in touch with My Daily Business via our shop, freebies, award-winning books, Instagram and Tik Tok.

Immerse yourself in captivating science fiction short stories, delivered daily! Explore futuristic worlds, time travel, alien encounters, and mind-bending adventures. Perfect for sci-fi lovers looking for a quick and engaging listen each day.

If you're a veteran, or happen to know one, you might be familiar with the work of DAV - Disabled American Veterans. One of the major missions that they focus on is connecting veterans with work, especially as we deal with rising unemployment around the country. They've got a nationwide virtual job fair coming up later on this month, and Dan Clare, DAV's Chief Communications and Outreach Officer, joins the show with the details.See omnystudio.com/listener for privacy information.

Find us at www.crisisinvesting.com   In this episode, Doug Casey and Matt discuss various questions from their subscribers. Topics range from the impact of AI on jobs, the enduring value of businesses that AI cannot replace, and the economic implications of universal basic income. They also delve into the 'skyscraper effect' as a predictor of financial downturns in places like Punta del Este, Uruguay. The discussion then shifts to the future prospects of commodities like gold, silver, uranium, and rare earths, and the potential geopolitical impacts of China's dominance in rare earth processing. Other subjects include the state of Uruguay as a plan B destination, particularly in the context of moving there post-pandemic, and the broader implications of transitioning to a war economy. Lastly, they touch on the progress of Doug's 'Higher Ground' novel series and share insights on monetary metals and rare earth mining investments. 00:00 Introduction and Subscriber Questions 00:18 Impact of AI on Business and Employment 01:20 Universal Basic Income and Future of Work 06:53 Embracing AI and Technological Advancements 07:50 Skyscraper Effect and Real Estate Market 13:14 Crisis Investing Sentiment on Commodities 18:17 Rare Earths and Global Production 21:45 Higher Ground Novels and Future Plans 23:24 Monetary Metals and Gold Lending 24:19 The Value of Gold and Counterparty Risk 25:09 War Economy and Its Implications 28:34 US Foreign Policy and Venezuela 32:15 Uruguay: A Step Back in Time 39:20 Plan B Destinations in Europe 43:17 Concluding Remarks and Future Plans

In this episode, Kathy Jones and Liz Ann Sonders discuss the latest stock market rotations and the Federal Reserve's evolving stance on interest rates.Then, Liz Ann Sonders is joined by Peter Atwater. She and Peter delve into the concept of the Confidence Map, exploring how confidence influences decision-making and risk perception in investing. They discuss the role of sentiment in investment decisions, the impact of social media on market behavior, and the importance of portfolio construction that considers investor sentiment. The conversation also touches on the K-shaped economy, highlighting the widening economic divide and its implications for society.Peter Atwater is the author of The Confidence Map: Charting a Path from Chaos to Clarity.On Investing is an original podcast from Charles Schwab. For more on the show, visit schwab.com/OnInvesting. If you enjoy the show, please leave a rating or review on Apple Podcasts.Important DisclosuresThis material is intended for general informational and educational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions.All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed.Past performance is no guarantee of future results.Investing involves risk, including loss of principal. The comments, views, and opinions expressed are those of the speaker and do not necessarily represent the views of Charles Schwab.Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors. Lower rated securities are subject to greater credit risk, default risk, and liquidity risk.All names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security.Diversification and rebalancing strategies do not ensure a profit and do not protect against losses in declining markets.Rebalancing may cause investors to incur transaction costs and, when a non-retirement account is rebalanced, taxable events may be created that may affect your tax liability.Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. Forecasts contained herein are for illustrative purposes only, may be based upon proprietary research and are developed through analysis of historical public data.The policy analysis provided by Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.The book The Confidence Map: Charting a Path from Chaos to Clarity is not affiliated with, sponsored by, or endorsed by Charles Schwab & Co., Inc. (CS&Co.). Charles Schwab & Co., Inc. (CS&Co.) has not reviewed the books and makes no representations about its content.(1125-CU1A) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

With the eminent close of one year and start of another, it's a time when many of us start to take stock of where we are in life and where we want to go next. 

Leber's hereditary optic neuropathy ain't the only thing the recipient of the Student of the Year award from the Governor's Committee on Employment of People with Disabilities plans to conquer. He's the president of the Auburn chapter of the National Society of Black Engineers. He's had cybersecurity internships galore. And for the past year, he's served as a research and development engineer at the McCrary Institute for Cyber and Critical Infrastructure Security. Yes, despite losing much of his sight, this senior in computer science and software engineering says he can now "see the larger picture, one that shows I can do anything I put my mind to.” Ladies and gentlemen, Aidan Anderson.

This week, Johnny had a life-changing dining tip, there was a cozza with a muzza (cop with a moustache), and the Thang Gang received some surprisingly useful potato information. Hear Johnny on Radio X every weekday at 4pm across the UK on digital radio, 104.9 FM in London, 97.7 FM in Manchester, on Global Player or via www.radiox.co.uk

This week's blogpost - https://bahnsen.co/4og2etf Understanding the Kyle Busch vs. Pacific Life Insurance Controversy In this episode of the Thoughts On Money Podcast (Tom), host Blaine Carver, joined by Sarah Leitzke, The Bahnsen Group's Director of Risk, discusses Kyle Busch's lawsuit against Pacific Life. The conversation covers the roles and importance of life insurance, how it can be both beneficial and detrimental, and the complexities involved in different types of life insurance policies. Sarah elaborates on the mismanagement and misleading marketing in the Busch case, highlighting issues such as unpaid premiums, policy lapses, and the consequences of an improperly managed Indexed Universal Life (IUL) policy. The episode encourages listeners to carefully examine financial advice, consider the qualifications of their advisors, and understand the intricate details of their insurance policies. 00:00 Welcome to the Thoughts On Money Podcast 00:09 Meet the Hosts: Blaine and Sarah 00:47 Understanding the Role of Director of Risk 01:46 Kyle Busch vs. Pacific Life: An Overview 02:06 The Metaphor of Insurance: Tools for Good or Harm 04:23 Breaking Down the Kyle Busch Case 07:26 Marketing and Mismanagement in Insurance 11:06 Term vs. Permanent Insurance: Key Differences 17:18 The Impact of Employment on Insurance Premiums 21:00 The Importance of Trustworthy Advice 29:24 Inside The Bahnsen Group's Risk Department 33:14 Final Thoughts and Takeaways Links mentioned in this episode: http://thoughtsonmoney.com http://thebahnsengroup.com

The Republic of Angola celebrated fifty years of independence on November 11, 2025. On this episode, we analyze the evolution of the labor and employment laws of the country, as well as the challenges that Angola faced and currently faces as an independent nation. Subscribe to our podcast today to stay up to date on employment issues from law experts worldwide.Host: Nuno Gouveia (email) (Miranda Alliance)Guest Speaker: Adail Cardoso (email) (Miranda Alliance - Fátima Freitas Associados / Angola)Support the showRegister on the ELA website here to receive email invitations to future programs.

Our Chief Global Economist Seth Carpenter and Global Cross-Asset Strategist Serena Tang return to conclude their two-part episode on 2026 outlooks and explain why the market environment is turning in favor of risk assets, especially U.S. stocks.Read more insights from Morgan Stanley.----- Transcript -----Seth Carpenter: Welcome to Thoughts in the Market. I'm Seth Carpenter, Morgan Stanley's Global Chief Economist.Serena Tang: And I'm Serena Tang, Morgan Stanley's Chief Global Cross-Asset Strategist.Seth Carpenter: Yesterday, Serena, we discussed our views on the global economy, and today I'm going to turn the tables on you and start asking you questions about our market outlook and how to invest across regions and across asset classes.It's Tuesday, November 18th at 10am in New York.Alright, Serena in 2025, global markets rode some significant volatility driven by tariffs, policy uncertainty. Things went up, they went down. Equities ultimately outperformed bonds as rate cuts began. But cross-asset strategy depended so much on identifying correlations, opportunities – all in a world that is still adapting to the new geopolitical dynamics and what seemed like evolving rules.So, with that backdrop, could you just broadly tell us what the investment strategy should be in 2026?Serena Tang: We think 2026 will be a strong year for risk assets as you have unusually pro-cyclical policy mix that's supportive of earnings. And that frees up markets to shift the focus from global macro concerns, which of course have dominated this year, to more micro asset specific narratives. Particularly those related to AI CapEx investment.And I think such a constructive environment really calls for a risk on tilt. We recommend equities over credit and government bonds, with a preference for U.S. assets.Seth Carpenter: Okay. I think last year we had some preference, at least for U.S. equities. Are there any other big rotations versus more of the same that you really want to highlight for folks?Serena Tang: In terms of, I think the strategy outlook itself, a big shift has been what we think drive investor focus the most. Our strategy mid-year outlook had focused heavily on global macro risks, right? Especially those, I think, emanated from trade tensions, which you alluded to earlier.I think this time around as the distribution of outcomes on tariffs, I think, has become a bit narrower, it's very much more about asset specific stories. And yes, you know, to your point about being, bullish on U.S. equities, we've maintained that view this time round and believe that U.S. equities can generally do better than rest of world.As you know, Mike Wilson, a colleague and chief U.S. equity strategist, he has a price target of 7800 for the S&P 500 index …Seth Carpenter: Wow.Serena Tang: Beating the expected returns from other regional equities by like quite a bit. So that's not changed. But I think that with this backdrop of post cyclical policy combo lifting U.S. earnings, we've also turned more bullish on high-yield corporate credit – that is bonds which are riskier.I think very much like U.S. equities, we believe that the asset class can benefit from the combination of monetary deregulation policy. But there's also like a very interesting technical component there, which is, as we expect, a surge in investment grade issuance to fund AI related CapEx. I think the high-yield market will be more insulated from this, which means outperformance versus higher quality corporate bonds.Seth Carpenter: Got it. Okay. So, as you're coming up with these strategies and these recommendations in lots of ways, it just relies on forecasting. And I have to say I'm sympathetic to how hard forecasting is, especially when it comes to the future. In our economic forecast, we also included a bunch of different alternate scenarios because I just see that much uncertainty in the global economy.So, with that as a backdrop, nothing is for sure. But where would you say your highest conviction calls are when it comes to investing in 2026?Serena Tang: Well, as I mentioned, we like U.S. equities and that remains a very high conviction call for us. [I] sort of dug through the details of that already. And so, I want to turn to a[n]other high conviction view, which is curve steepening. We see pretty material U.S. treasury curve steepening over the next year. I think even as a macro strategist, actually expect yields at least in the backend to be mostly range bound. And this steepening will be very much driven by what happens in the two-year point – I think as markets continue to, we think, underpriced, future Fed easing and growth slow down tail risks.Seth Carpenter: So that's super helpful in terms of the places where you're convicted. Let me be perhaps a little bit unfair because nothing is in fact certain. And so, if there are things that we feel pretty sure about, there've got to be things where we're either not sure or parts of the market that really pose the most risk.So, if I asked you then, where do you see the biggest risk for investors in markets next year, what would you say?Serena Tang: So, one of them really is AI investment cycle abruptly ending. And this has been a topic of huge debate in all of the investor meetings that we've had over the last several weeks. Because the idea is you have a sharp pullback in investment in the next 12 months, which could trigger a pretty cascading effect. And of course that would likely pressure U.S. equities, I think given hyperscalers index weight. But could weirdly enough benefit IG credit by reducing issuance, which has been the main driver of wider spreads in our forecast. But I think the other risk here actually is if animal spirits run a bit too hot. Underlying our equities over credit over rates allocation is some revival in animal spirits, but it's not the kind of irrational exuberance that marks the end of cycle in our view.Given, I think there's still rational belief in that policy triumvirate that we touched on earlier, that can still be supportive of risk. But you know, I think if sentiment does overheat then our allocation tilt towards cyclicals and beta would be wrong. And historically late cycle expansions see investment grade outperforming high yield inequities, with bonds eventually leading returns.The last risk, I think, to our asset allocation, is really the Fed. Either the FOMC not easing further over the next 12 months or if it changes its reaction function. And I think both of those will have very different implications of what happens to the front end of the yield curve. So, my question to you, Seth, is what do you see as the probability around both of those scenarios?Seth Carpenter: Look, with the data that we have before the government shut down, it was clear there was a tension. Spending by households, spending by businesses was strong. Employment data were getting weaker and weaker, and the Fed has decided to start cutting to err on the side of insulating against further deterioration in the labor market.So, one thing that could upend our forecast is that the real signal is from the spending. Spending stays strong, the labor market eventually catches up to the stronger spending, and we start to see job gains come back. If that happens, especially with inflation now running notably above the Fed's target, I just don't really think we're going to get anywhere near the number of rate cuts that we forecast or that are already priced into market. So, you'd have to see a reversal.How likely is that you can't rule it out? I'd say 20 percent or something like that. Maybe a little bit more. On the other hand, to the downside. I wonder if what you're getting at a little bit is there's going to be some turnover in the personnel at the Fed. And do we have to worry about a fundamentally different reaction function from the Fed going forward and cutting rates aggressively, even if the macro considerations don't warrant? Is that really what you were getting at?Serena Tang: Yes. I think that has been the question on the forefront of investors' minds…Seth Carpenter: Yeah, I think that's a real question. The way I look at it is Chair Powell is in charge of the Fed now. His term goes through May of next year. And so, until we get to the middle of next year, I don't really think there's any fundamental change in how the Fed does business. But it really does seem like we're going to have a new Fed chair in June of next year. But even there, we have got to remember that the committee is a committee and that's how policy is decided. And so, if there was a new chair who really, really, really wanted to take policy in a truly unorthodox way, I also don't think that's really feasible over the second half of next year – because there just won't have been that much turnover in terms of the personnel of the Fed. That's how we're looking at it for now. I really don't think that latter version of the world is a big risk. That said, I'm going to throw it back to you [be]cause I always have to get the last word.You talked about asset classes, bullish on U.S. equities. We talked about high yield bonds; we talked about some of the risks that markets have to face. But one thing I didn't hear – and we do have a global investor base – Is about currencies and specifically the dollar.So, this time last year, the team made a pretty bold call that the dollar would depreciate a great deal. And here we are and the dollar has come off a lot on net over this year. That stabilized a little bit. Maybe not for the whole year [be]cause that kind of forecasting is hard for currencies. But what do you see over the next few months called the next half year for the dollar? Is it going to continue the trend or do you think we should see a reversal?Serena Tang: So, we do think the dollar will continue its trend downwards from here to the middle of next year. And I know, I know. There's been a lot of discussion, there's been a lot of debate around whether the dollar has basically stopped where we are. But the thing is, you know, going back to what you mentioned around the path for growth in the U.S. and unemployment in the U.S. – if we do see softer economic data in the first half of next year, that can drive the dollar downwards. In fact, we're once again, more bearish than consensus on the dollar by the middle of next year.Seth Carpenter: Got it. All right. That's super helpful. Serena, thank you so much for taking the time to talk with me today and let me ask the questions of you.Serena Tang: Always a pleasure, Seth.Seth Carpenter: And thank you for listening. If you enjoy Thoughts on the Market, please leave us a review wherever you listen and share the podcast with a friend or a colleague today.

Paul Gregory recounts how his father, Pete Gregory, first met Lee Harvey Oswald in June 1962 after being contacted by the Texas Employment Office. Oswald, recently returned from three years in Minsk, sought work utilizing his Russian language skills. Pete, a fluent Russian speaker, tested Lee and, finding his Russian fluent but grammatically poor, wrote a letter supporting him. Later, Paul met Lee and Marina and proposed taking Russian lessons from Marina to practice with a native speaker. The Oswalds were very poor, living off Lee's tight $56 weekly earnings. Marina eventually earned $35 for the lessons, which she considered a fantastically large amount of money. Guest: Paul Gregory.