Podcasts about ESI

In this episode, I sat down with Ricky Williams, a seasoned elevator industry leader whose career spans engineering, sales, business development, and executive leadership. Ricky is currently serving as vice president of business development and sales at ESI. Over the years, he's built a reputation for combining technical knowledge with a practical people-centered leadership style. Ricky's perspective is shaped by decades of hands-on industry experience and a strong belief that understanding both people and field operations is key to long-term success.Chapters:00:00 Ricky's Current Role and Responsibilities05:09 Lessons from Early Career in Engineering07:39 Technology Evolution in the Industry10:32 Predictive Maintenance and Its Challenges13:23 Understanding Elevator Modernization16:31 Transitioning from Engineering to Sales18:13 Pros and Cons of Industry Consolidation20:36 Leadership Lessons and Team Collaboration23:30 The Future of Vertical Transportation Technology26:20 Reflections and Advice for the FutureResources:Subscribe: https://www.youtube.com/@elevatorcareers/ Submit a Topic Idea for the Podcast: https://elevatorcareers.net/ Connect With Us: linktr.ee/AllredGroupA Message From Our Sponsor: Looking for top-tier talent to join your team? Call The Allred Group for your elevator recruiting needs! With a deep network and unmatched industry expertise, we quickly connect you with skilled professionals who are ready to elevate your team.  Let us handle the hiring process, so you can focus on growing your business with the best in the industry. Reach out today, and let us help you take your business to new heights!To contact us go to: https://allredgroup.com

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Consultorio de Bolsa con Blackbird y Bolsas y Futuros, en el que Marc Ribes y Pepe Baynat analizan la jornada bursátil y el sentimiento de mercado. Con nuestros expertos analizamos los siguientes valores nacionales e internacionales que nos plantean los oyentes: La Pizarra En la Pizarra del Consultorio de Bolsa con Blackbird y Bolsas y Futuros, Sobre Blackbird Blackbird nace en 2012 como el sueño de sus fundadores Gisela Turazzini y Marc Ribes. Desde el primer día deciden construir el primer Broker mundial creado por Traders profesionales, para Traders. Como Traders profesionales sintieron la necesidad de darle al sector financiero, aquello que ellos tanto necesitaban operativamente. El sector financiero es un entorno complejo y lleno de conflictos de interés, poco transparente y carente de identidad propia. Blackbird vino para quedarse y posicionarse como el referente bursátil de habla hispana. Nuestro compromiso es utilizar su posicionamiento estratégico a favor del inversor. Gisela y Marc consolidaron su compromiso fundando Blackbird Broker, con ACAPITAL BB AV, SA como ESI regulada por la CNMV con el núm. 270, que junto con Blackbird Trading School y Blackbird Research nos posicionan como las empresas referentes en el sector del Trading en España y América Latina. Sobre Pepe Baynat Pepe es director de www.bolsasyfuturos.com. Analista independiente, especialista en particulares. «Si tienes un ahorro por pequeño que sea, deberías sacarle una rentabilidad adecuada». Cada día Baynat publica en su web su cartera personal de valores, con los movimientos que se han realizado y los stops de pérdidas o de beneficios, que se van actualizando a diario. Los oyentes pueden mandarnos al Consultorio de Bolsa con BlackBird y Bolsas y Futuros WhatsApp al teléfono 609 22 47 16. Si prefieren hablar directamente con los analistas y comentarles sus dudas, pueden contactarles en el número de teléfono 91 533 18 51.

En el consultorio de Bolsa con Marketsbets y Blackbird, Juan Carlos Costa y Marc Ribes analizan la jornada bursátil y el sentimiento de mercado. En el consultorio de Bolsa con Marketsbets y Blackbird, nuestros expertos analizan los siguientes valores nacionales e internacionales que nos plantean los oyentes: Sobre marc ribes Blackbird nace en 2012 como el sueño de sus fundadores Gisela Turazzini y Marc Ribes. Desde el primer día deciden construir el primer Broker mundial creado por Traders profesionales, para Traders. Como Traders profesionales sintieron la necesidad de darle al sector financiero, aquello que ellos tanto necesitaban operativamente. El sector financiero es un entorno complejo y lleno de conflictos de interés, poco transparente y carente de identidad propia. Blackbird vino para quedarse y posicionarse como el referente bursátil de habla hispana. Nuestro compromiso es utilizar su posicionamiento estratégico a favor del inversor. Gisela y Marc consolidaron su compromiso fundando Blackbird Broker, con ACAPITAL BB AV, SA como ESI regulada por la CNMV con el núm. 270, que junto con Blackbird Trading School y Blackbird Research nos posicionan como las empresas referentes en el sector del Trading en España y América Latina. Sobre juan carlos costa Como asesor financiero, gestor de fondos y analista de mercados, Costa destaca en su perfil: «Estudiando los mercados constantemente, buscando tendencias, realizando trading, realizando inversiones, estudiando empresas cotizadas, buscando rentabilidades. Sin buscar el Santo Grial en los programas automáticos trabajando sin cesar en estos desde el año 1995 hasta la actualidad, lo bueno es que lo de antes sigue funcionando, lo malo que suele haber poca confianza en los inversores. EAFI registrada para poder asesorar todo tipo de inversión, especializados en los mercados de valores, renta variable, futuros, materias primas y divisas.» En los consultorios de Bolsa de Cierre de Mercados, los oyentes pueden mandarnos WhatsApp al teléfono 609 22 47 16. Si prefieren hablar directamente con los analistas y comentarles sus dudas, pueden contactarles en el número de teléfono 915331851.

En el Consultorio de Bolsa Premium con Marc Ribes, de BlackBird Bank, en el que el experto analiza la jornada bursátil y el sentimiento de mercado. Marc Ribes analiza en el Consultorio de Bolsa Premium con BlackBird Bank los siguientes valores nacionales e internacionales que nos plantean los oyentes: Sobre BlackBird Bank BlackBird nace en 2012 como el sueño de sus fundadores Gisela Turazzini y Marc Ribes. Desde el primer día deciden construir el primer Broker mundial creado por Traders profesionales, para Traders. Como Traders profesionales sintieron la necesidad de darle al sector financiero, aquello que ellos tanto necesitaban operativamente. El sector financiero es un entorno complejo y lleno de conflictos de interés, poco transparente y carente de identidad propia. Blackbird vino para quedarse y posicionarse como el referente bursátil de habla hispana. Nuestro compromiso es utilizar su posicionamiento estratégico a favor del inversor. Gisela y Marc consolidaron su compromiso fundando Blackbird Broker, con ACAPITAL BB AV, SA como ESI regulada por la CNMV con el núm. 270, que junto con Blackbird Trading School y Blackbird Research nos posicionan como las empresas referentes en el sector del Trading en España y América Latina. Los oyentes pueden mandarnos al Consultorio de Bolsa de Cierre de Mercado sus consultas por WhatsApp al teléfono 609 22 47 16. Si prefieren hablar directamente con los analistas y comentarles sus dudas, pueden contactarles en el número de teléfono 91 533 18 51.

La Commissione europea invita gli Stati membri a riprogrammare fondi di Coesione e Just Transition Fund per sostenere famiglie e imprese colpite dal caro energia, accelerando investimenti energetici a rapido impatto e misure per ridurre la dipendenza dai combustibili fossili. La proposta di Raffaele Fitto ha però sollevato critiche dal Comitato europeo delle Regioni, che accusa Bruxelles di usare i fondi di coesione come “bancomat di emergenza”, sottraendo risorse già impegnate allo sviluppo territoriale e alla transizione energetica. Il commento è di Gianni Trovati, Il Sole 24 OrePer gli elettrodomestici italiani l'unica salvezza è l'altagamma?Il mercato europeo degli elettrodomestici continua a crescere nei volumi ma perde valore, mentre i competitor asiatici conquistano quote di mercato grazie a prezzi più bassi. Nel 2025 i prodotti importati dall’Asia hanno superato quelli europei per quota di mercato. Il caso Electrolux di Cerreto d’Esi diventa emblematico: l’abbandono della produzione di alta gamma, più artigianale e redditizia, ha accelerato la crisi dello stabilimento. Operai e sindacati denunciano anni di tagli ai costi e scarsi investimenti in innovazione, mentre la produzione standardizzata viene spostata all’estero. Ne parliamo con Francesco Casoli, Presidente ElicaExport italiano: crescita a doppia cifra in Cina, Svizzera, Usa e India. Rallenta il Medio OrienteAd aprile l’export italiano extra-Ue cresce dell’11,3%, trainato soprattutto da Cina, Svizzera, Stati Uniti e India, con vendite che sfiorano i 28 miliardi di euro. Rallenta invece il Medio Oriente, ancora penalizzato dagli effetti della guerra dopo l’attacco Usa-Israele all’Iran: nel primo quadrimestre il calo verso l’area è del 16%. A sostenere il made in Italy sono soprattutto energia, beni intermedi e beni strumentali. Migliora anche l’avanzo commerciale con i Paesi extra-Ue, nonostante l’aumento del deficit energetico legato ai rincari delle materie prime. Interviene Marco Fortis, Vicepresidente Fondazione Edison e Co-Presidente Comitato Scientifico Fondazione Edison.

Sandrine travaillait 60 heures par semaine pour un résultat qui n'avançait pas. Gayané se laissait porter par les opportunités sans choisir sa direction. Marie-Alissandre était convaincue de pouvoir tout réussir seule.Aujourd'hui, elles ont toutes mis leur couronne. Et elles te racontent comment en partant toutes les trois du même endroit : le Challenge Next Level.Dans cet épisode, elles partagent leur passage dans le Mastermind Signature Le Wedding Gang avec des mots vrais, des chiffres réels, et cette énergie particulière qu'on a quand on sait enfin qu'on va le faire :— Pourquoi 16 ans d'expérience ne suffisent pas sans stratégie et comment Sandrine a atteint 80% de taux de signature en appel découverte — Ce que Gayané a gagné en apprenant à choisir sa direction plutôt que de se laisser porter— Le shift de mindset qui fait passer de "peut-être un jour" à "je sais que je vais le faire" — Pourquoi entreprendre entourée change tout même quand tu es déterminéeSi tu attends le bon signal pour te lancer, les voilà, tes trois signaux.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3574: ESI from ESI Money uses the classic board game Life to reveal timeless money lessons about debt, investing, luck, and consumer spending. He also highlights where the game gets personal finance wrong, helping parents turn family game night into meaningful conversations about wealth, career choices, and what truly matters beyond money. Read along with the original article(s) here: https://esimoney.com/how-the-game-of-life-teaches-personal-finance/ Quotes to ponder: "Stay (or get) out of debt, it's a financial killer." "Investing is a great way to make your money grow." "Control your spending, especially on expensive items that don't have any long-term value." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3574: ESI from ESI Money uses the classic board game Life to reveal timeless money lessons about debt, investing, luck, and consumer spending. He also highlights where the game gets personal finance wrong, helping parents turn family game night into meaningful conversations about wealth, career choices, and what truly matters beyond money. Read along with the original article(s) here: https://esimoney.com/how-the-game-of-life-teaches-personal-finance/ Quotes to ponder: "Stay (or get) out of debt, it's a financial killer." "Investing is a great way to make your money grow." "Control your spending, especially on expensive items that don't have any long-term value." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3574: ESI from ESI Money uses the classic board game Life to reveal timeless money lessons about debt, investing, luck, and consumer spending. He also highlights where the game gets personal finance wrong, helping parents turn family game night into meaningful conversations about wealth, career choices, and what truly matters beyond money. Read along with the original article(s) here: https://esimoney.com/how-the-game-of-life-teaches-personal-finance/ Quotes to ponder: "Stay (or get) out of debt, it's a financial killer." "Investing is a great way to make your money grow." "Control your spending, especially on expensive items that don't have any long-term value." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3573: ESI uses the classic board game Life to reveal surprisingly practical lessons about money, careers, debt, taxes, and family expenses. Through playful examples and personal stories, he shows how everyday financial decisions compound over time and why protecting your earning power matters more than most people realize. Read along with the original article(s) here: https://esimoney.com/how-the-game-of-life-teaches-personal-finance/ Quotes to ponder: "Your career is your greatest financial asset so be sure to protect it." "Going to college to get a good career is almost always worth the cost." "Life is centered around financial principles, some good and some bad." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3573: ESI uses the classic board game Life to reveal surprisingly practical lessons about money, careers, debt, taxes, and family expenses. Through playful examples and personal stories, he shows how everyday financial decisions compound over time and why protecting your earning power matters more than most people realize. Read along with the original article(s) here: https://esimoney.com/how-the-game-of-life-teaches-personal-finance/ Quotes to ponder: "Your career is your greatest financial asset so be sure to protect it." "Going to college to get a good career is almost always worth the cost." "Life is centered around financial principles, some good and some bad." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3573: ESI uses the classic board game Life to reveal surprisingly practical lessons about money, careers, debt, taxes, and family expenses. Through playful examples and personal stories, he shows how everyday financial decisions compound over time and why protecting your earning power matters more than most people realize. Read along with the original article(s) here: https://esimoney.com/how-the-game-of-life-teaches-personal-finance/ Quotes to ponder: "Your career is your greatest financial asset so be sure to protect it." "Going to college to get a good career is almost always worth the cost." "Life is centered around financial principles, some good and some bad." Learn more about your ad choices. Visit megaphone.fm/adchoices

Consultorio de Bolsa con Blackbird y Bolsas y Futuros, en el que Marc Ribes y Pepe Baynat analizan la jornada bursátil y el sentimiento de mercado. Con nuestros expertos analizamos los siguientes valores nacionales e internacionales que nos plantean los oyentes: La Pizarra En la Pizarra del Consultorio de Bolsa con Blackbird y Bolsas y Futuros, Sobre Blackbird Blackbird nace en 2012 como el sueño de sus fundadores Gisela Turazzini y Marc Ribes. Desde el primer día deciden construir el primer Broker mundial creado por Traders profesionales, para Traders. Como Traders profesionales sintieron la necesidad de darle al sector financiero, aquello que ellos tanto necesitaban operativamente. El sector financiero es un entorno complejo y lleno de conflictos de interés, poco transparente y carente de identidad propia. Blackbird vino para quedarse y posicionarse como el referente bursátil de habla hispana. Nuestro compromiso es utilizar su posicionamiento estratégico a favor del inversor. Gisela y Marc consolidaron su compromiso fundando Blackbird Broker, con ACAPITAL BB AV, SA como ESI regulada por la CNMV con el núm. 270, que junto con Blackbird Trading School y Blackbird Research nos posicionan como las empresas referentes en el sector del Trading en España y América Latina. Sobre Pepe Baynat Pepe es director de www.bolsasyfuturos.com. Analista independiente, especialista en particulares. «Si tienes un ahorro por pequeño que sea, deberías sacarle una rentabilidad adecuada». Cada día Baynat publica en su web su cartera personal de valores, con los movimientos que se han realizado y los stops de pérdidas o de beneficios, que se van actualizando a diario. Los oyentes pueden mandarnos al Consultorio de Bolsa con BlackBird y Bolsas y Futuros WhatsApp al teléfono 609 22 47 16. Si prefieren hablar directamente con los analistas y comentarles sus dudas, pueden contactarles en el número de teléfono 91 533 18 51.

In this episode, Suzanne Spradley and Chase Cannon revisit the history and importance of the tax exclusion for employer-sponsored insurance (ESI) coverage. Suzanne takes us back to the 1940s to understand how the tax exclusion began. The two discuss the reasons for the longevity and stability of the ESI model and how it has impacted the accessibility and affordability of health insurance in the U.S. Suzanne closes by addressing a new U.S. Congressional proposal that could impact employers and the ESI model.

En el Consultorio de Bolsa Premium con Marc Ribes, de BlackBird Bank, en el que el experto analiza la jornada bursátil y el sentimiento de mercado. Marc Ribes analiza en el Consultorio de Bolsa Premium con BlackBird Bank los siguientes valores nacionales e internacionales que nos plantean los oyentes: Sobre BlackBird Bank BlackBird nace en 2012 como el sueño de sus fundadores Gisela Turazzini y Marc Ribes. Desde el primer día deciden construir el primer Broker mundial creado por Traders profesionales, para Traders. Como Traders profesionales sintieron la necesidad de darle al sector financiero, aquello que ellos tanto necesitaban operativamente. El sector financiero es un entorno complejo y lleno de conflictos de interés, poco transparente y carente de identidad propia. Blackbird vino para quedarse y posicionarse como el referente bursátil de habla hispana. Nuestro compromiso es utilizar su posicionamiento estratégico a favor del inversor. Gisela y Marc consolidaron su compromiso fundando Blackbird Broker, con ACAPITAL BB AV, SA como ESI regulada por la CNMV con el núm. 270, que junto con Blackbird Trading School y Blackbird Research nos posicionan como las empresas referentes en el sector del Trading en España y América Latina. Los oyentes pueden mandarnos al Consultorio de Bolsa de Cierre de Mercado sus consultas por WhatsApp al teléfono 609 22 47 16. Si prefieren hablar directamente con los analistas y comentarles sus dudas, pueden contactarles en el número de teléfono 91 533 18 51.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3000: ESI explores the uncomfortable reality behind the phrase “shirtsleeves to shirtsleeves in three generations,” questioning whether wealth can truly be passed down without destroying the drive and discipline that created it in the first place. Drawing from personal experience, he examines why so many families lose their fortunes over time and wrestles with the challenge of helping children financially without undermining their independence, work ethic, and long-term success. Read along with the original article(s) here: https://esimoney.com/pass-wealth-kids/ Quotes to ponder: "The first generation experiences a life of hardship and is determined to make something better for themselves." "70% of millionaires lose their wealth by the second generation" "In other words, people who support their adult children financially on a regular basis aren't really helping the kids, they are enabling them." Episode references: The Millionaire Next Door: https://www.amazon.com/Millionaire-Next-Door-Surprising-Americas/dp/1589795474 Learn more about your ad choices. Visit megaphone.fm/adchoices

En el Consultorio de Bolsa Premium con Marc Ribes, de BlackBird Bank, en el que el experto analiza la jornada bursátil y el sentimiento de mercado. Marc Ribes analiza en el Consultorio de Bolsa Premium con BlackBird Bank los siguientes valores nacionales e internacionales que nos plantean los oyentes: Sobre BlackBird Bank BlackBird nace en 2012 como el sueño de sus fundadores Gisela Turazzini y Marc Ribes. Desde el primer día deciden construir el primer Broker mundial creado por Traders profesionales, para Traders. Como Traders profesionales sintieron la necesidad de darle al sector financiero, aquello que ellos tanto necesitaban operativamente. El sector financiero es un entorno complejo y lleno de conflictos de interés, poco transparente y carente de identidad propia. Blackbird vino para quedarse y posicionarse como el referente bursátil de habla hispana. Nuestro compromiso es utilizar su posicionamiento estratégico a favor del inversor. Gisela y Marc consolidaron su compromiso fundando Blackbird Broker, con ACAPITAL BB AV, SA como ESI regulada por la CNMV con el núm. 270, que junto con Blackbird Trading School y Blackbird Research nos posicionan como las empresas referentes en el sector del Trading en España y América Latina. Los oyentes pueden mandarnos al Consultorio de Bolsa de Cierre de Mercado sus consultas por WhatsApp al teléfono 609 22 47 16. Si prefieren hablar directamente con los analistas y comentarles sus dudas, pueden contactarles en el número de teléfono 91 533 18 51.

En el Consultorio de Bolsa con BlackBird y Excella Capital, Marc Ribes y Javier González analizan la jornada bursátil y el sentimiento del mercado. Los expertos analizan en el Consultorio de Bolsa con BlackBird y Excella Capital los siguientes valores que nos plantean los oyentes: Sobre BlackBird Bank BlackBird nace en 2012 como el sueño de sus fundadores Gisela Turazzini y Marc Ribes. Desde el primer día deciden construir el primer Broker mundial creado por Traders profesionales, para Traders. Como Traders profesionales sintieron la necesidad de darle al sector financiero, aquello que ellos tanto necesitaban operativamente. El sector financiero es un entorno complejo y lleno de conflictos de interés, poco transparente y carente de identidad propia. Blackbird vino para quedarse y posicionarse como el referente bursátil de habla hispana. Nuestro compromiso es utilizar su posicionamiento estratégico a favor del inversor. Gisela y Marc consolidaron su compromiso fundando Blackbird Broker, con ACAPITAL BB AV, SA como ESI regulada por la CNMV con el núm. 270, que junto con Blackbird Trading School y Blackbird Research nos posicionan como las empresas referentes en el sector del Trading en España y América Latina. Sobre Javier González Javier es ingeniero de Teleco, MBA y AMP por el IE. Tiene una larga trayectoria internacional en el sector IT. Hace unos años le picó el virus de la inversión y desde entonces, se ha especializado en finanzas cuantitativas, sobre todo en trading algorítmico. Actualmente, desarrolla su actividad como advisor, trader independiente y fundador de CryptoForexSystems.com. Estrategias buy & hold, tendenciales, de cobertura, con staking.. Hay muchas opciones de inversión, tantas como personas. Te enseñamos a pescar, tú elige que caña utilizar. Javier González es ingeniero de Telecomunicaciones y trader independiente desde 2006. Programador de estrategias y sistemas de inversión de 2013, ha dedicado mucho tiempo y pasión a entender y buscar ventajas estadísticas en distintos mercados: Renta Vairable (ETFs, Acciones), Forex, y últimamente, más dedicado a crypto. Con afán de demostrar que las inversiones no son tan complicadas y que el mundo crypto no es tan horrible como lo pintan. En los consultorios de Bolsa de Cierre de Mercados, los oyentes pueden mandarnos WhatsApp al teléfono 609 22 47 16. Si prefieren hablar directamente con los analistas y comentarles sus dudas, pueden contactarles en el número de teléfono 915331851.

Consultorio de Bolsa con Blackbird y Bolsas y Futuros, en el que Marc Ribes y Pepe Baynat analizan la jornada bursátil y el sentimiento de mercado. Con nuestros expertos analizamos los siguientes valores nacionales e internacionales que nos plantean los oyentes: La Pizarra En la Pizarra del Consultorio de Bolsa con Blackbird y Bolsas y Futuros, Blackbird nace en 2012 como el sueño de sus fundadores Gisela Turazzini y Marc Ribes. Desde el primer día deciden construir el primer Broker mundial creado por Traders profesionales, para Traders. Como Traders profesionales sintieron la necesidad de darle al sector financiero, aquello que ellos tanto necesitaban operativamente. El sector financiero es un entorno complejo y lleno de conflictos de interés, poco transparente y carente de identidad propia. Blackbird vino para quedarse y posicionarse como el referente bursátil de habla hispana. Nuestro compromiso es utilizar su posicionamiento estratégico a favor del inversor. Gisela y Marc consolidaron su compromiso fundando Blackbird Broker, con ACAPITAL BB AV, SA como ESI regulada por la CNMV con el núm. 270, que junto con Blackbird Trading School y Blackbird Research nos posicionan como las empresas referentes en el sector del Trading en España y América Latina. Sobre Pepe Baynat Pepe es director de www.bolsasyfuturos.com. Analista independiente, especialista en particulares. «Si tienes un ahorro por pequeño que sea, deberías sacarle una rentabilidad adecuada». Cada día Baynat publica en su web su cartera personal de valores, con los movimientos que se han realizado y los stops de pérdidas o de beneficios, que se van actualizando a diario. Los oyentes pueden mandarnos al Consultorio de Bolsa con BlackBird y Bolsas y Futuros WhatsApp al teléfono 609 22 47 16. Si prefieren hablar directamente con los analistas y comentarles sus dudas, pueden contactarles en el número de teléfono 91 533 18 51.

Jolanta i Valdis Dundenīki (Dundenieki) jau vaira nakai 30 godus turpynoj i kūp Zīmeļlatgolys pūdnīceibys tradicejis. Obi stuodoj placu pi placa sovā darbneicā Bolvu nūvodā, sagloboj autentiskū Latgolys keramikys rūkrokstu laikā, kod amatnīceibā jau ir īguojuse industrializaceja i modernuos dizaina tendencis. Jolanta jau 40 godu struodoj ari ar bārnim Bierzpilī i Gaigalovā. Latgolys pūdnīku dīnu nūskaņuos saruna par pūdnīceibys byušonu iz prīšku, i par muola breinumainū puortapšonu, kas ir naatjama Jolantys i Valda Dundenīku dzeivis sastuovdaļa, kas „tur i nalaiž vaļā”. „Nasagrib īt koč kaidā modernā vierzīnī, vairuok pīsaista tys tradicionalais, kas ir aizsuokts jau pošā suokumā. Pamati caur Jolantu, juos praksis školuotuoju Pīteri Iruku, vysys gudreibys jis īlyka ari manī, tys varbyut ir īspaiduojs,” soka Valdis i Jolanta papyldynoj: „Praksē struoduoju, vuicejūs pi Pītera Iruka. Maņ cīši patyka juo stiļs, juo izsmolcynuotī i graciozī dorbi. Gribūt ci nagribūt, saguoja tai, ka mes pajamam nu sovu školuotuoju ari sovūs dorbūs koč kū leidzeigu.” Valdis stuosta, ka saprast, kai „saīt tī greizī pūdi” var viņ tod, kod pats cylvāks paraudzeis atsasēst pi rypys i paraudzeis vyrpuošonys procesu. Ka kaids „palīk modernuoks, tys ir tikai normali, ka tei dzeive mainās, koč kaidys vierteibys ari mainās, bet nikur jau tys nav pagaiss. Vysod ir cylvāki, kam tys patiks. Laikmets īvīš sovys korekcejis, i izvēle ari ir tova, voi pīstruoduot pi komercialuo, voi palikt tradicionālajā, tok tai nabyus nikod, ka vīta paliks tukša,” puorlīcynuots Valdis. Struodojūt ar bārnim, Jolanta redz, ka „mozajim bārnim pateik, i cīši iņteresej darbuotīs ar muolu. Raugu apzynuot Latgolys latvyskuos muokslys pamatvierteibys, i radeit iņteresi par jūs saglobuošonu.” Dorbs ar muolu prosa pacīteibu, tok Jolantai i Valdim Dundenīkim tys ir sirdsdorbs: „Kod esi ar muolu, tu esi taids, kai pats ar sevi i labi jiutīs. Esi boguots cylvāks, kam muols ir zemis zalts. Bez loba goreiguo stuovūkļa, tu navari pūdus taiseit. Muols pajam, īvalk tevi, tu aizmiersti par vysom problemom.”

En el Consultorio de Bolsa Premium con Marc Ribes, de BlackBird Bank, en el que el experto analiza la jornada bursátil y el sentimiento de mercado. Marc Ribes analiza en el Consultorio de Bolsa Premium con BlackBird Bank los siguientes valores nacionales e internacionales que nos plantean los oyentes: Sobre BlackBird Bank BlackBird nace en 2012 como el sueño de sus fundadores Gisela Turazzini y Marc Ribes. Desde el primer día deciden construir el primer Broker mundial creado por Traders profesionales, para Traders. Como Traders profesionales sintieron la necesidad de darle al sector financiero, aquello que ellos tanto necesitaban operativamente. El sector financiero es un entorno complejo y lleno de conflictos de interés, poco transparente y carente de identidad propia. Blackbird vino para quedarse y posicionarse como el referente bursátil de habla hispana. Nuestro compromiso es utilizar su posicionamiento estratégico a favor del inversor. Gisela y Marc consolidaron su compromiso fundando Blackbird Broker, con ACAPITAL BB AV, SA como ESI regulada por la CNMV con el núm. 270, que junto con Blackbird Trading School y Blackbird Research nos posicionan como las empresas referentes en el sector del Trading en España y América Latina. Los oyentes pueden mandarnos al Consultorio de Bolsa de Cierre de Mercado sus consultas por WhatsApp al teléfono 609 22 47 16. Si prefieren hablar directamente con los analistas y comentarles sus dudas, pueden contactarles en el número de teléfono 91 533 18 51.

In this episode, I chat with Tina and Jordan, the founders of Editorial Stock Images (ESI). We talk about why the word "stock" tends to make designers cringe, what's actually possible when stock imagery is done well, and how they built ESI to give creative service providers access to assets that feel emotional, editorial, and real.>> Sign up here for ESI and use code BETTER15 and get 15% off your membership!Guest Name: Tina Loszewska & Jordan AulinGuest Website: editorialstockimages.comGuest Social: @editorialstockimagesLinks:The Design Minimind - My 1:1 coaching program for designersDownload my FREE Creative Direction Figma Template (includes 4 audio trainings as well)Become a member of Editorial Stock images and use code “BETTER15” to receive 15% off your membership.Enjoy 1 month of Showit FREE with my code “HelloJune” when you sign up.*Get 30% off of your HoneyBook subscription - The CRM I use in my studio.*Earn $100 after you run your first payroll with Gusto, my payroll and compliance software.*Get 50% off your first year of Flodesk, my email marketing software.**Some are affiliate links which means I may earn a commission.Connect With Us:Our Free Facebook CommunityOur WebsitePodcast InstagramHello June Creative InstagramThe Design MinimindJoin The Creative Diaries (my email list)Tags: designer, design, brand design, brand identity design, design studio, design business, graphic design, brand designer, better podcast, brand designer podcast, logo design,

En el Consultorio de Bolsa con Marc RIbes y Daniel Santacreu los expertos analizan la jornada bursátil y el sentimiento de mercado. Marc Ribes, de Blackbird y Daniel Santacreu analizan los valores En la Pizarra del Consultorio de Bolsa, Sobre BlackBird Bank BlackBird nace en 2012 como el sueño de sus fundadores Gisela Turazzini y Marc Ribes. Desde el primer día deciden construir el primer Broker mundial creado por Traders profesionales, para Traders. Como Traders profesionales sintieron la necesidad de darle al sector financiero, aquello que ellos tanto necesitaban operativamente. El sector financiero es un entorno complejo y lleno de conflictos de interés, poco transparente y carente de identidad propia. Blackbird vino para quedarse y posicionarse como el referente bursátil de habla hispana. Nuestro compromiso es utilizar su posicionamiento estratégico a favor del inversor. Gisela y Marc consolidaron su compromiso fundando Blackbird Broker, con ACAPITAL BB AV, SA como ESI regulada por la CNMV con el núm. 270, que junto con Blackbird Trading School y Blackbird Research nos posicionan como las empresas referentes en el sector del Trading en España y América Latina. Sobre Daniel Santacreu Más de 20 años invirtiendo en bolsa. Co-autor del libro «Así me hice trader». Colaborador y blogger en numerosas webs de referencia en bolsa. Dedicación exclusiva a los mercados financieros desde hace más de 10 años. Seriedad, rigor y profesionalidad. Los oyentes pueden mandarnos al Consultorio de Bolsa sus consultas a través de WhatsApp al teléfono 609 22 47 16. Si prefieren hablar directamente con los analistas y comentarles sus dudas, pueden contactarles en el número de teléfono 91 533 18 51.

Learn how to sponsor the Seven Figure Medicare Agent Summit:https://sevenfiguremedicareagentsummit.com/Welcome to the Seven Figures or Bust Podcast — the show built for ambitious insurance agents who refuse to think small. Hosted by Christian Brindle, this podcast dives into Medicare strategy, business building, industry updates, compliance changes, mindset, leadership, and everything it really takes to scale to seven figures and beyond.Whether we're breaking down CMS changes, reacting to industry news, interviewing top-performing agents, or sharing real-world lessons from the front lines, the goal is simple: help you grow a sustainable, profitable insurance business the right way.If you're serious about winning in the Medicare space and building long-term freedom, you're in the right place. Let's get to work.

This week, the hosts review Homegoing by Yaa Gyasi, a sweeping multi-generational novel that traces the descendants of two half-sisters from 18th-century Ghana into the modern era. One sister, Effia, lives above the dungeon of Cape Coast Castle; the other, Esi, is imprisoned below and sold into American slavery. From that pivotal separation, the book follows their children and grandchildren across centuries, continents, and systems of power. Through alternating chapters, Gyasi explores the legacy of slavery, colonialism, identity, belonging, resilience, and generational trauma. Each descendant wrestles with the inherited shadows of the past, from plantations and Jim Crow to migration, incarceration, and cultural disconnection. The hosts unpack the book's structure, thematic depth, and emotional resonance, reflecting on how history lives in individual lives long after its origins. It's a layered, compassionate conversation that centers legacy, memory, and the ways personal story intertwines with collective history. Cheers!Please be advised this episode is intended for adult audiences and contains adult language and content. We are expressing opinions on the show for entertainment purposes only. Dedication: To our patrons as always!! We love you! Moni & Kat: To the ancestors, old and new!About the  Book: :https://www.penguinrandomhouse.com/books/533857/homegoing-by-yaa-gyasi/Title: Homegoing Author: Yaa Gyasi Genre: Historical Fiction Published: 2016 (Moni states 2026 in error) Pages: 320 (first edition)About the Author:https://en.wikipedia.org/wiki/Yaa_GyasiYaa Gyasi is a Ghanaian-American novelist. Her work, most notably her 2016 debut novel Homegoing and her 2020 novel Transcendent Kingdom, features themes of lineage, generational trauma, and Black and African identities.WikipediaBorn: 1989 (age 37 years), Mampong, GhanaParents: Kwaku Gyasi, Sophia GyasiEducation: Stanford University, Grissom High School, University of IowaAwards: PEN/Hemingway Award, Audie Award for Literary Fiction & Classics, American Book AwardF.A.B. Episodes mentioned on the show:https://www.spreaker.com/episode/GreatGatsbyEpisodehttps://www.spreaker.com/episode/-review-of-ketera-of-punishment-island-on-netflix--56231879**Stranger than Fiction:

Learn how to sponsor the Seven Figure Medicare Agent Summit:https://sevenfiguremedicareagentsummit.com/Welcome to the Seven Figures or Bust Podcast — the show built for ambitious insurance agents who refuse to think small. Hosted by Christian Brindle, this podcast dives into Medicare strategy, business building, industry updates, compliance changes, mindset, leadership, and everything it really takes to scale to seven figures and beyond.Whether we're breaking down CMS changes, reacting to industry news, interviewing top-performing agents, or sharing real-world lessons from the front lines, the goal is simple: help you grow a sustainable, profitable insurance business the right way.If you're serious about winning in the Medicare space and building long-term freedom, you're in the right place. Let's get to work.

AdBlock Plushttps://chromewebstore.google.com/detail/adblock-plus-free-ad-bloc/cfhdojbkjhnklbpkdaibdccddilifddb?hl=esI don't care about cookieshttps://chromewebstore.google.com/detail/i-dont-care-about-cookies/fihnjjcciajhdojfnbdddfaoknhalnjaQué negocio crear: https://quenegociocrear.comConviértete en un supporter de este podcast: https://www.spreaker.com/podcast/marketing-digital--2659763/support.Newsletter Marketing Radical: https://marketingradical.substack.com/welcomeNewsletter Negocios con IA: https://negociosconia.substack.com/welcomeMis Libros: https://borjagiron.com/librosSysteme Gratis: https://borjagiron.com/systemeSysteme 30% dto: https://borjagiron.com/systeme30Manychat Gratis: https://borjagiron.com/manychatMetricool 30 días Gratis Plan Premium (Usa cupón BORJA30): https://borjagiron.com/metricoolNoticias Redes Sociales: https://redessocialeshoy.comNoticias IA: https://inteligenciaartificialhoy.comClub: https://triunfers.com

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 1914: ESI shares five practical strategies for reclaiming overlooked time, like lunch breaks, waiting periods, and holidays, to make consistent progress on your side hustle. From pairing podcasts with daily routines to turning unused vacation days into growth sessions, these tips reveal how small, intentional changes can lead to long-term results. Read along with the original article(s) here: https://esimoney.com/ten-ways-find-time-side-hustle/ Quotes to ponder: "You take your waiting time and turn it into productive time." "Before long you'll be able to approve your own vacation days." "Let me suggest that you take your unused vacation days each year and use them to build your side business." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 1914: ESI shares five practical strategies for reclaiming overlooked time, like lunch breaks, waiting periods, and holidays, to make consistent progress on your side hustle. From pairing podcasts with daily routines to turning unused vacation days into growth sessions, these tips reveal how small, intentional changes can lead to long-term results. Read along with the original article(s) here: https://esimoney.com/ten-ways-find-time-side-hustle/ Quotes to ponder: "You take your waiting time and turn it into productive time." "Before long you'll be able to approve your own vacation days." "Let me suggest that you take your unused vacation days each year and use them to build your side business."

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 1913: ESI dismantles the common excuse of “not having time” by revealing how most people can reclaim hours each day through intentional lifestyle shifts. From cutting TV and social media to waking up earlier, he outlines practical strategies that helped him build multiple side hustles, even with a demanding schedule. Read along with the original article(s) here: https://esimoney.com/ten-ways-find-time-side-hustle/ Quotes to ponder: "I don't buy that. Very few people literally ‘don't have the time.' What most who say this mean is ‘I don't want to make the time.'" "Just think what you could accomplish with 365 extra, focused hours in a year!" "I look up and an hour is gone. So I set limits and only allow myself to look at it twice a day for 15 minutes each." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 1913: ESI dismantles the common excuse of "not having time" by revealing how most people can reclaim hours each day through intentional lifestyle shifts. From cutting TV and social media to waking up earlier, he outlines practical strategies that helped him build multiple side hustles, even with a demanding schedule. Read along with the original article(s) here: https://esimoney.com/ten-ways-find-time-side-hustle/ Quotes to ponder: "I don't buy that. Very few people literally 'don't have the time.' What most who say this mean is 'I don't want to make the time.'" "Just think what you could accomplish with 365 extra, focused hours in a year!" "I look up and an hour is gone. So I set limits and only allow myself to look at it twice a day for 15 minutes each."

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3391: ESI highlights how even a modest boost in annual salary growth, just 1%, can translate into millions more over a career when invested wisely. By breaking down salary scenarios and compounding returns, he proves that strategic career growth isn't just valuable, it's transformative for building wealth and achieving financial independence. Read along with the original article(s) here: https://esimoney.com/the-value-of-growing-your-career-is-worth-millions-more-than-i-thought/ Quotes to ponder: "Even if you only earn 1% more than average, you end up with over a million dollars more!" "If you plug along and are willing to accept 'average' for your career/income, you're potentially missing out on millions of extra dollars during your lifetime." "If you can grow your income faster than average (most people) and invest the difference at a reasonable rate over a working lifetime (or even any decent length of time) the difference is amazing and worth millions." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3391: ESI highlights how even a modest boost in annual salary growth, just 1%, can translate into millions more over a career when invested wisely. By breaking down salary scenarios and compounding returns, he proves that strategic career growth isn't just valuable, it's transformative for building wealth and achieving financial independence. Read along with the original article(s) here: https://esimoney.com/the-value-of-growing-your-career-is-worth-millions-more-than-i-thought/ Quotes to ponder: "Even if you only earn 1% more than average, you end up with over a million dollars more!" "If you plug along and are willing to accept 'average' for your career/income, you're potentially missing out on millions of extra dollars during your lifetime." "If you can grow your income faster than average (most people) and invest the difference at a reasonable rate over a working lifetime (or even any decent length of time) the difference is amazing and worth millions." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3391: ESI highlights how even a modest boost in annual salary growth, just 1%, can translate into millions more over a career when invested wisely. By breaking down salary scenarios and compounding returns, he proves that strategic career growth isn't just valuable, it's transformative for building wealth and achieving financial independence. Read along with the original article(s) here: https://esimoney.com/the-value-of-growing-your-career-is-worth-millions-more-than-i-thought/ Quotes to ponder: "Even if you only earn 1% more than average, you end up with over a million dollars more!" "If you plug along and are willing to accept 'average' for your career/income, you're potentially missing out on millions of extra dollars during your lifetime." "If you can grow your income faster than average (most people) and invest the difference at a reasonable rate over a working lifetime (or even any decent length of time) the difference is amazing and worth millions." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3833: ESI shares how small, consistent actions taken daily can lead to major achievements over time, whether in wealth building, health, relationships, or personal goals. By breaking big dreams into manageable steps and tracking progress, you can transform long-term aspirations into real, measurable success. Read along with the original article(s) here: https://esimoney.com/make-small-progress-every-day/ Quotes to ponder: "It's not much each day, but slow, steady progress adds up big-time over a long period of time." "Any goal you have (within reason) is achievable if you follow one simple rule." "You have to work at it over a long period of time, do something regularly and make a bit of progress every day." Episode references: The 7 Habits of Highly Effective People: https://www.amazon.com/7-Habits-Highly-Effective-People/dp/1982137274 Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3833: ESI shares how small, consistent actions taken daily can lead to major achievements over time, whether in wealth building, health, relationships, or personal goals. By breaking big dreams into manageable steps and tracking progress, you can transform long-term aspirations into real, measurable success. Read along with the original article(s) here: https://esimoney.com/make-small-progress-every-day/ Quotes to ponder: "It's not much each day, but slow, steady progress adds up big-time over a long period of time." "Any goal you have (within reason) is achievable if you follow one simple rule." "You have to work at it over a long period of time, do something regularly and make a bit of progress every day." Episode references: The 7 Habits of Highly Effective People: https://www.amazon.com/7-Habits-Highly-Effective-People/dp/1982137274 Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3833: ESI shares how small, consistent actions taken daily can lead to major achievements over time, whether in wealth building, health, relationships, or personal goals. By breaking big dreams into manageable steps and tracking progress, you can transform long-term aspirations into real, measurable success. Read along with the original article(s) here: https://esimoney.com/make-small-progress-every-day/ Quotes to ponder: "It's not much each day, but slow, steady progress adds up big-time over a long period of time." "Any goal you have (within reason) is achievable if you follow one simple rule." "You have to work at it over a long period of time, do something regularly and make a bit of progress every day." Episode references: The 7 Habits of Highly Effective People: https://www.amazon.com/7-Habits-Highly-Effective-People/dp/1982137274 Learn more about your ad choices. Visit megaphone.fm/adchoices

Esi Eggleston Bracey is the Chief Marketing and Growth Officer of Unilever. Esi joined the company in 2018 and has served as President of Unilever USA and CEO of Personal Care in North America. Prior to this, she led their $5 billion Beauty & Personal Care portfolio for North America as EVP and Chief Operating Officer which included responsibility for brands such as Dove, TRESemmé, Suave, Vaseline, Degree, Axe and more. There's a reason why this is a brand building masterclassEsi has been recognised with many industry awards including being named as one of Forbes World's Most Influential CMOs, a Forbes Entrepreneurial CMO 50, Women's Wear Daily Marketer of the Year, ADCOLOR Legend, Ad Age Vanguard Award and more.Timestamps00:00 - Intro00:54 - From P&G to Unilever, Esi's career journey03:09 - How important is breadth of experience as a marketer04:54 - How to increase your marketing budget07:45 - Why Esi has growth in her title and not just Chief Marketing Officer08:36 - The most surprising thing about running 400 brands10:37 - What skills do marketers need to be successful today?12:08 - Esi's thoughts of AI in marketing17:14 - How to win the hearts of your consumer19:48 - Unilever's SASSY framework for winning hearts and minds21:45 - Why we buy more when we feel more23:27 - The secret behind the groundbreaking Dove marketing26:45 - Why Uniliver are spending 50% of media on social and 20x spend on creators29:18 - How the Vaseline Verified campaign took off30:37 - Unilever's framework for successful social media campaigns32:29 - Applying the SASSY Framework to innovation35:19 - Unilever's collaboration with Crumbl Cookies37:42 - How Unilever uses AI39:45 - Which Unilever brand would Esi buy?41:46 - The power of consistency42:43 - How do you nurture the next $1b portfolio brand

Navigating the Complex World of Civil Procedure: Discovery and Its ImpactThis conversation provides a comprehensive overview of discovery in law, focusing on the rules and strategies essential for law students preparing for exams and practicing attorneys. It covers the scope of discovery, the tools available, mandatory disclosures, the importance of expert testimony, and the implications of electronically stored information (ESI). The discussion also delves into the attorney-client privilege and work product doctrine, as well as the potential sanctions for failing to comply with discovery rules. The conversation concludes with practical exam strategies and reflections on the justice system's approach to truth and proportionality.In the realm of civil litigation, discovery is often where the real battle is fought. As law students and practitioners alike know, the Federal Rules of Civil Procedure, particularly Chapter Five, can make or break a case long before it reaches the courtroom. This blog post delves into the critical aspects of discovery, offering insights and strategies to navigate this complex terrain.Understanding the Scope and ProportionalityThe foundation of discovery lies in Rule 26B1, which governs the scope of what can be requested. Historically, discovery aimed to eliminate trial by ambush, ensuring full disclosure. However, the rise of electronically stored information (ESI) has transformed the landscape, leading to a paradigm shift in 2015. The focus has shifted from mere relevance to proportionality, requiring that requests be non-privileged, relevant, and proportional to the needs of the case.The Six Factors of ProportionalityTo determine proportionality, courts consider six factors: the importance of the issues at stake, the amount in controversy, the parties' relative access to information, the parties' resources, the importance of the discovery in resolving the issues, and whether the burden or expense of the proposed discovery outweighs its likely benefit. Understanding these factors is crucial for any legal professional navigating discovery disputes.The Role of Privilege and Work ProductTwo critical shields in discovery are attorney-client privilege and the work product doctrine. While privilege protects confidential communications between a lawyer and client, work product safeguards materials prepared in anticipation of litigation. These doctrines are essential for protecting sensitive information and ensuring a fair adversarial process.Sanctions and ComplianceFailure to comply with discovery rules can lead to severe sanctions under Rule 37. From exclusion of evidence to default judgments, the consequences of non-compliance underscore the importance of adhering to discovery obligations. Understanding the nuances of these rules is vital for avoiding costly mistakes.As you prepare for exams or practice law, remember that discovery is not just about gathering information—it's about strategy, compliance, and understanding the rules that govern the process. By mastering the intricacies of discovery, you can effectively navigate the legal landscape and achieve favorable outcomes for your clients.Subscribe now to stay updated on the latest legal insights and strategies.TakeawaysDiscovery is crucial for case outcomes.Understanding proportionality is key in discovery.The burden of proof lies with the resisting party.Mandatory disclosures streamline the discovery process.Interrogatories help clarify facts and contentions.Corporate depositions require thorough preparation.ESI has transformed litigation practices.Attorney-client privilege is easily waived.Work product doctrine protects legal strategies.Sanctions enforce compliance with discovery rules.law school, discovery, civil procedure, bar exam, legal education, attorney-client privilege, ESI, sanctions, legal strategy, exam preparation

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3320: ESI pulls back the curtain on his biggest financial missteps, from reckless early spending to investing in high-fee mutual funds and getting burned by an uninsured bank. With hard-earned humility and clear-eyed reflection, he shows that even serious money mistakes can still lead to long-term success, offering listeners a reassuring reminder that it's never too late to turn things around. Read along with the original article(s) here: https://esimoney.com/my-worst-money-mistakes/ Quotes to ponder: "I had no budget and absolutely no savings. I was making a fortune after all, why did I need to save?" "If I had loosened up a bit and been willing to accept properties with a 9% return, I'd probably have twice as many properties as I do now." Episode references: Beating the Street: https://www.amazon.com/Beating-Street-Peter-Lynch/dp/0671891634 Vanguard Index Funds: https://investor.vanguard.com/investment-products/mutual-funds Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3320: ESI pulls back the curtain on his biggest financial missteps, from reckless early spending to investing in high-fee mutual funds and getting burned by an uninsured bank. With hard-earned humility and clear-eyed reflection, he shows that even serious money mistakes can still lead to long-term success, offering listeners a reassuring reminder that it's never too late to turn things around. Read along with the original article(s) here: https://esimoney.com/my-worst-money-mistakes/ Quotes to ponder: "I had no budget and absolutely no savings. I was making a fortune after all, why did I need to save?" "If I had loosened up a bit and been willing to accept properties with a 9% return, I'd probably have twice as many properties as I do now." Episode references: Beating the Street: https://www.amazon.com/Beating-Street-Peter-Lynch/dp/0671891634 Vanguard Index Funds: https://investor.vanguard.com/investment-products/mutual-funds Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3280: ESI shares how smart real estate investments funded his early retirement, showing how cash purchases, renovations, and professional management turned properties into high-yield, low-effort income sources. He outlines the key advantages of real estate, from strong returns and reliable retirement income to creativity and flexibility, while stressing the importance of focusing on cash flow over appreciation. Read along with the original article(s) here: https://esimoney.com/why-you-should-invest-in-real-estate/ Quotes to ponder: "I net approximately 10% a year and my places have appreciated 45% to boot." "I spend about two hours a month managing them, and they account for 70% of my retirement income." "The worst thing I did: didn't buy enough. I would have had twice the number of places and currently be making a fortune." Episode references: The Book on Rental Property Investing: https://www.amazon.com/Book-Rental-Property-Investing-Passive/dp/099071179X The ABCs of Real Estate Investing: https://www.amazon.com/ABCs-Real-Estate-Investing-Investors/dp/1937832031 How to Invest in Real Estate: https://www.amazon.com/How-Invest-Real-Estate-Beginners/dp/1947200984 Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3279: ESI shares how real estate investing transformed his financial life, from acquiring multiple rental units to retiring at 52 without touching his savings. While acknowledging the hassles of property management, he explains how the rewards, steady income, appreciation, and financial independence, can far outweigh the drawbacks for those willing to explore the opportunity. Read along with the original article(s) here: https://esimoney.com/why-you-should-invest-in-real-estate/ Quotes to ponder: “Hahahahaha! I hear you, real estate is not for everyone. On the plus side, Real Estate was the main reason I retired at 52.” “I think everyone needs to at least know enough about real estate to consider it as an investment option.” “I wasted all that time being limited by my own beliefs/fears when I could have been buying a place each year and building up a fortune.” Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3247: Many millionaires regret not diving into real estate investing earlier, missing out on cash flow, appreciation, and financial freedom. ESI highlights how a delayed financial education and lack of work-life balance often lead to deeper personal and monetary consequences, lessons that offer valuable foresight for anyone building wealth. Read along with the original article(s) here: https://esimoney.com/the-five-biggest-millionaire-regrets/ Quotes to ponder: "I regret not getting into the housing market in San Francisco. I could have purchased something to live in back in 2010 when I moved here." "I would have studied personal finance more and not hired a financial advisor." "My work/life balance in my 30's is one of the reasons my first marriage didn't work out." Episode references: John Bogle's writings (Bogleheads Guide to Investing): https://www.amazon.com/Bogleheads-Guide-Investing-Taylor-Larimore/dp/1118921283 The Millionaire Next Door: https://www.amazon.com/Millionaire-Next-Door-Surprising-Americas/dp/1589795474 Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3246: ESI shares powerful lessons from high-net-worth individuals who look back and wish they had taken smarter steps earlier in life. From missed savings windows to passed-over career opportunities, these millionaire regrets offer a rare and honest blueprint for building wealth and avoiding common pitfalls that even the affluent aren't immune to. Read along with the original article(s) here: https://esimoney.com/the-five-biggest-millionaire-regrets/ Quotes to ponder: "I would have saved more as soon as I graduated from college, and I would have invested entirely in index funds." "Time is the most important thing in the context of money, and I lost or blew 10 years of time and money." "I should have been more open to changing jobs rather than being loyal to companies that didn't return the loyalty." Learn more about your ad choices. Visit megaphone.fm/adchoices

This week, Liberty and Danika discuss How to Survive Camping, Extinction Capital of the World: Stories, Tantrum, and more great books! Subscribe to All the Books! using RSS, Apple Podcasts, or Spotify and never miss a book. Sign up for the weekly New Books! newsletter for even more new book news. Book Riot is hiring a digital content specialist! If you love books and know the ins and outs of social media strategy, and especially social video, consider joining the team. Find details and apply by August 22, 2025, at riotnewmedia.com/careers. Use code BOOKRIOT to get an exclusive 60% off an annual Incogni plan at https://incogni.com/bookriot This content contains affiliate links. When you buy through these links, we may earn an affiliate commission. Books Discussed On the Show: How to Survive Camping: The Man With No Shadow by Bonnie Quinn Extinction Capital of the World: Stories by Mariah Rigg Automatic Noodle by Annalee Newitz  Tantrum by Rachel Eve Moulton People Like Us by Jason Mott Mad Sisters of Esi by Tashan Mehta The Magician of Tiger Castle by Louis Sachar The Hounding by Xenobe Purvis For a complete list of books discussed in this episode, visit our website. Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3207: ESI explores the idea of “moderate and selective frugality,” contrasting it with the extreme frugality of the Amish as described in Money Secrets of the Amish. He emphasizes seeking value over the lowest price, spending intentionally on what brings joy, and balancing frugality with a focus on growing income. This thoughtful approach encourages financial freedom while still enjoying life's pleasures. Read along with the original article(s) here: https://esimoney.com/moderate-and-selective-frugality/ Quotes to ponder: "Use it up, wear it out, make do or do without." "Moderate means that I like to be frugal to a point, but I won't go so far as to buy something cheap simply because it's the best price." "Feeling gratitude for our ability to pay for things vs being bitter over money spent is a great sign that we are evolving in our relationship with money." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3179: ESI reveals the unsettling truth behind many so-called financial advisors, showing how little expertise some bring to the table, and how much it could cost you. With real-world locker room eavesdropping and a compelling breakdown of AUM fees, this piece empowers you to take charge of your own finances and avoid being sold instead of served. Read along with the original article(s) here: https://esimoney.com/financial-locker-room-talk/ Quotes to ponder: "It's really a sales job more than anything." "They call me a financial advisor because it sounds better but I'm really mostly an insurance salesman." "There's no reason you can't be your own money manager and be quite good at it." Episode references: Morningstar on Actively Managed Funds vs. Index Funds: https://www.morningstar.com/lp/active-vs-passive Vanguard Total Stock Market Index Fund (VTSAX): https://investor.vanguard.com/investment-products/mutual-funds/profile/vtsax Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3143: ESI breaks down the path to financial independence using a simple scale to evaluate your earning, saving, and investing skills, from disaster to excellent. He argues that success in one area can't compensate for failure in another, and that most people should aim for excellence in earning or saving, since investing is rarely a true strong suit. His insights reveal how balanced, realistic self-assessment can accelerate your journey to FI. Read along with the original article(s) here: https://esimoney.com/working-esi-scale-financial-independence/ Quotes to ponder: "There are almost as many ways to hit FI as there are moves in a chess match." "To reach FI at any reasonable age, you need to be at least neutral on all of them." "I don't think anyone is excellent at investing. I think 'good' is about all most of us can strive for realistically." Episode references: The Bogleheads' Guide to Investing: https://www.amazon.com/Bogleheads-Guide-Investing-Taylor-Larimore/dp/1118921283 Learn more about your ad choices. Visit megaphone.fm/adchoices