Podcasts about Everything Counts

Everything Counts is a bi-weekly podcast series that dives into money and financial wellness, hosted by 702's Motheo Khoaripe. Each episode unpacks practical aspects of personal finance-how to save, spend, invest, and make smart decisions to boost your financial well-being. In this episode, Motheo is joined by De Wet Taljaard (Technical Advisor at Investec Sustainable Solutions), Kirk Palmer (Director at Solafi), and Andrew Winstone (CEO at Energy LED) to tackle one of South Africa's hottest topics: solar power and energy efficiency for households. They break down the current state of the energy crisis in South Africa, the realities of Eskom, and the future of electricity. The panel shares actionable tips on how to reduce your energy bill; from switching to LED lighting to using your geyser smartly and choosing energy efficient appliances. The panel explains the different types of solar systems, the cost of solar panels for home and how to choose a solar system for your home. Whether you're ready to invest in solar or just want to make your home more energy efficient, this episode is packed with expert advice to help you make informed decisions and take control of your energy future. 00:00 Introduction 01:36 The current energy crisis in South Africa 03:05 The Energy Availability Factor (EAF) 04:28 The impact of power failures in municipalities 05:10 How to curb the cost of power failures in your home 05:50 How to use lights to reduce energy consumption and save costs 07:39 Energy efficient options to cut costs in the home 8:36 How to use the energy efficiency metric 09:14 Insulation in the home 10:24 Home solar system costs and the return on investment 12:49 Types of solar systems on the market and the costs involved 14:50 Maintenance and lifespan of solar systems 15:30 Choosing the right solar system 17:32 Sectional titles and body corporates 18:45 Compliance and safety considerations 20:10 Eskom direct connected customer requirements 21:20 Why registration is the responsibility of the business or homeowner 21:52 Meeting the requirements to get your system registered 22:17 Financing opportunities for solar systems 22:45 Funding solutions for Investec clients 23:18 Cape Town versus Johannesburg: feeding back into the grid 25:32 Energy saving tips 26:08 Increasing energy independence and savings for the future 27:20 How can you prepare for South Africa's growing water crisis? Listen to the whole Everything Counts series on Investec Focus Radio SA Investec Focus Radio SA

In this episode, Lieze-Marie Brink and Jacques Van Niekerk from the Investec Tax and Fiduciary team dive into the critical aspects of wills and estate planning in South Africa. They explore why having a will is essential, especially in ensuring your assets are distributed according to your wishes, and the importance of establishing trusts. Jump to topics of interest: 00:00 Introduction 01:00 Marriage and wills in South Africa 02:50 Life partnerships and wills 03:30 Divorce and wills 04:30 Estate planning after having children 05:30 Testamentary trusts and risk 09:00 Laws of intestate succession 10:30 Adding failing provisions to your will 12:30 The value of trusts and wills 15:00 Do you need an offshore will for offshore assets? 16:00 Example: UK-based investment 17:00 Example: Property ownership in France (forced heirship laws) 20:00 What happens if your beneficiaries move abroad? Listen to the whole Everything Counts series · Investec Focus Radio SA

In this episode, Lieze-Marie Brink and Jacques Van Niekerk from the Investec Tax and Fiduciary team discuss the key aspects of estate planning and drafting a will in South Africa. They cover what should be included in a will, how to get started, and the importance of updating it after major life changes. Jump to topics of interest 00:00 Introduction 01:30 Why wills are important 02:45 The cost of a will 03:35 What happens if you don't have a will 04:15 The laws of interstate succession 05:00 What makes a will valid in South Africa? 08:00 Where to start with drafting a will in South Africa 08:45 How often do you need to update your will 12:30 Consider your marriage regime when drafting your will 14:30 Religious provisions in your will 15:10 Joint wills 17:00 Will vs letter of wishes 19:00 Offshore assets and jurisdiction 21:30 Where should wills be kept? 23:00 The importance of talking to your loved ones about deceased estate administration Everything Counts podcast series · Investec Focus Radio SA

When planning your estate, understanding the tax implications on a deceased estate is crucial. In this episode of Everything Counts, we dive into estate duty, capital gains tax, income tax after death, and how trusts can help with tax efficiency and asset protection. Joining the discussion are: • Nikki Bush: Renowned speaker and author, who shares her personal journey of loss and resilience. • Lieze-Marie Brink: Legal and financial expert at Investec, providing crucial estate planning insights. • Navashni Rajkumar: Financial advisor dedicated to financial literacy and planning. Managing Taxes in a Deceased Estate · Investec Focus Radio SA

In this episode, Motheo is joined by Lieze-Mari Brink (from Investec's tax and fiduciary team), Nirvashni Rajkumar (an Investec financial adviser) and Nikki Bush (best-selling author and women's empowerment champion). They simplify the complexities of estate planning, outline the responsibilities of executors and they highlight the importance of having clear and detailed records. These are just some of the emotional and logistical challenges involved in winding up an estate. Their discussion also stresses the importance of having a well-prepared will, including letters of wishes, to help guide your loved ones and prevent conflicts. Keeping your records organised can make things much easier for your family when the time comes. Everything Counts is a bi-weekly podcast series that focuses on money and financial wellness. Hosted by 702's Motheo Khoaripe, each episode tackles various aspects of personal finance, including saving, spending, investing, pitfalls to avoid and tricks to succeed. The podcast aims to provide valuable information and expert guidance to help listeners improve their financial well-being. Key moments: 00:00 Introduction 01:56 Obtaining a death certificate 03:14 Timelines for wrapping up a deceased estate 05:06 Nikki Bush's experience with estate planning 07:53 Liquidity planning for your estate 08:50 How your marriage regime impacts your deceased estate plan 10:04 The value of a life insurance policy after death 11:06 Why estate planning is essential for everyone 11:47 The importance of having a financial advisor 12:14 The importance of sharing information with family in case of death 14:10 The quickest ways to wind up an estate efficiently 16:51 How to appoint an executor 17:45 The role of an executor in deceased estate administration 18:01 The complexities of nominating a family member as your executor 21:16 What should be in your will? 21:32 A will vs a letter of wishes 22:57 Organising your most important documents 25:22 Investec's Life File checklist 26:01 Critical documents to have on hand Investec Focus Radio · Listen to the full series · Investec Private Vault

Thinking of buying a new car in 2025? Before you make your next big purchase, get expert insights into the latest car trends, best models, and smart financing strategies. In this episode of Everything Counts, host Marius Roberts is joined by automotive insiders, Sean Nurse, Motoring Editor at AutoTrader and Editorial Director, Ian McLaren, from Car Magazine to unpack the biggest car trends for 2025. From how Chinese car brands are shaking up the market, and the evolution of SUVs to the growing appeal of used cars. This discussion covers everything you need to know before buying your next vehicle, including an insightful Q&A on the do's and don'ts of vehicle finance with Keshnie July, Investec Lending Product Owner. Timestamps: 00:00 Introduction: The biggest car trends for 2025 01:00 The most exciting new car models coming in 2025 03:00 Why SUVs and double cabs dominate South Africa's market 06:00 The impact of Chinese car brands on traditional manufacturers 10:00 Used vs new cars: Where's the best value for money? 14:00 Car financing trends: How interest rates impact affordability 18:00 Should you buy a car with a residual (balloon) payment? 22:00 The importance of considering total cost of ownership 25:00 The future of the auto industry and predictions for 2025 30:00 Wrap-up: What to consider before buying your next car Listen to the full series · Investec Focus Radio · Investec Vehicle finance

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In this episode of Everything Counts, we explore what it takes to be a skilled and considerate driver. Hosted by Marius Roberts, this episode covers essential tips for mastering the basics of driving, understanding road safety, and adopting defensive driving techniques. From handling traffic circles to navigating load-shedding-induced outages, we discuss the do's and don'ts of driver etiquette. Learn how to improve your awareness, maintain safe following distances, and react to unexpected situations on the road. Listen now to improve your driving skills and make the roads safer for everyone. Everything Counts is a bi-weekly podcast series that focuses on money and financial wellness. Hosted by 702's Motheo Khoaripe, each episode tackles various aspects of personal finance, including saving, spending, investing, pitfalls to avoid and tricks to succeed. The podcast aims to provide valuable information and expert guidance to help listeners improve their financial well-being. Timestamps: 00:00 Introduction: Why good driving is a journey 01:00 Driver etiquette: Trust and consideration on the road 02:30 The dangers of distracted driving 04:00 How to handle intersections and improve traffic flow 06:00 Understanding pedestrian crossings and their importance 08:00 Navigating traffic circles and indicating correctly 10:00 Dealing with malfunctioning traffic lights 12:00 The reality of stopping distances and speed limits 15:00 The importance of maintaining safe following distances YOU MIGHT ALSO BE INTERESTED IN: Get on the road with flexible vehicle finance from Investec Private Banking From your first set of wheels to a bigger family car. Your dream convertible, or an affordable hatchback. Whatever you're looking for, speak to your Private Banker about our flexible vehicle finance solutions at highly competitive rates. Listen to the full series · Full article · Learn more about our flexible vehicle finance solutions · Investec Focus Radio SA

Join Brian and Patrick on the Hard Compound. We take a look back at this great and surprising F1 2024 season. The quiet, steady greatness of Charles Leclerc. How Max Verstappen cemented his legacy as one of the greatest ever, maybe the greatest ever in F1. How Lando Norris found his will to win. Shocking moves by Lewis Hamilton, Carlos Sainz, Christian Horner, and Alpine. Plus, the best races, the best drivers, the worst drivers, and more. Text Brian or PatrickAnd as always, thank you for listening to everybody's most beloved father and son F1 podcast!

Embark on the ultimate road trip adventure with Everything Counts! In this episode, motoring expert, Marius Roberts shares essential tips for planning your next South African road trip, featuring insights from Layton Beard, head of Public Affairs at the Automobile Association of South Africa (AA), Johan Kriek, the founder of the Defender Trophy, a family friendly overlanding event for Land Rover Defender enthusiasts and Deon Venter, CEO of 4x4 Megaworld. Whether you're heading to the coast, exploring the Karoo, or venturing into the bush, this episode has everything you need to make your road trip unforgettable. Key moments: 00:00 Introduction 01:00 Common road trip mistakes and the importance of planning 03:00 The joy of scenic routes and exploring off the beaten track 07:00 Essential car safety checks before hitting the road 10:00 Insights from the Automobile Association on driver behaviour 15:00 The magic of overlanding: Tips for beginners 20:00 Farm stays and hidden gems in the Karoo 30:00 Fellowship forged by fire: The camaraderie of road trips YOU MIGHT ALSO BE INTERESTED IN: Get on the road with flexible vehicle finance from Investec Private Banking From your first set of wheels to a bigger family car. Your dream convertible, or an affordable hatchback. Whatever you're looking for, speak to your Private Banker about our flexible vehicle finance solutions at highly competitive rates. Listen to the full series · Read the full article · Vehicle Finance for you · Investec Focus Radio SA

Ivan Cleary is the most successful sports coach in Australia. A former Warriors coach, Cleary has led the Penrith Panthers to victory, claiming the NRL Grand Final four times in a row. He's now co-authored a book all about leadership and success, detailing, as Cleary puts it, what he's learned and how he leads. ‘Not Everything Counts but Everything Matters' reflects on the decades he's spent on both sides of the game, as both a player and a coach, his mental health, and the time he spent coaching the Warriors. He told Mike Hosking that he's enjoying every minute of the NRL success. “I was a head coach for 14 seasons, and also played for 11, so that's 25 years of being in the NRL before I experienced winning a premiership.” “It's been a long time coming.” LISTEN ABOVE See omnystudio.com/listener for privacy information.

Are you earning extra income through a side hustle or considering working abroad as a digital nomad? As the world of work evolves, the rise of side hustles, freelancing and remote work has introduced new complexities to tax obligations. Whether you're a freelancer, gig worker or digital nomad, understanding your tax responsibilities is crucial to staying compliant and optimising your earnings. In this episode, learn how to navigate your tax obligations in South Africa and beyond with insights from our experts, Bronwyn Trower, Co-Portfolio Manager at Investec Wealth & Investments, and Nicci Courtney-Clarke, Head of Tax at TaxTim. This episode is packed with useful tips for modern professionals managing new ways of working and multiple income streams. Everything Counts is a bi-weekly podcast series that focuses on money and financial wellness. Hosted by 702's Motheo Khoaripe, each episode tackles various aspects of personal finance, including saving, spending, investing, pitfalls to avoid and tricks to succeed. The podcast aims to provide valuable information and expert guidance to help listeners improve their financial well-being. Key Moments: 00:00 Introduction 01:00 Freelancers and tax obligations in South Africa 02:30 Why freelance taxes feel higher than salaried employees 04:00 The importance of keeping detailed financial records 07:00 Common mistakes freelancers make when they're filing their taxes 09:00 Tax implications of working abroad as a digital nomad 11:30 Dual Tax Agreements and their benefits YOU MIGHT ALSO BE INTERESTED IN: As an Investec client, you have access to a dedicated Investec financial adviser for your life insurance and investment needs. Our advisers provide objective advice with no additional fees or commissions. Ensuring transparency and trust. Experience clear advice with your trusted financial partner. Listen to the full series · Read the full article · Get tax-efficient financial products with Investec · Investec Focus Radio SA

In this episode of Everything Counts, we explored various tax-saving strategies available to South Africans. With insights from tax experts Nicci Courtney-Clark, head of Tax at TaxTim and Bronwen Trower, co-portfolio manager at Investec Wealth & Investments, we uncovered how you can optimise your tax savings in South Africa while remaining compliant. This episode is perfect for anyone looking to be more tax-savvy and keep more of what they earn. Everything Counts is a bi-weekly podcast series that focuses on money and financial wellness. Hosted by 702's Motheo Khoaripe, each episode tackles various aspects of personal finance, including saving, spending, investing, pitfalls to avoid and tricks to succeed. The podcast aims to provide valuable information and expert guidance to help listeners improve their financial well-being. Key moments 00:00 Introduction 01:00 Tax-free savings accounts explained 03:00 Retirement contributions and tax benefits 05:00 Tax considerations before retirement 06:00 Donation tax benefits and requirements 08:00 Home office deductions: What qualifies? 10:00 Understanding medical tax credits and expenses 13:00 SARS auto-assessments: Pros and cons 14:00 How to dispute an auto-assessment 17:00 Penalties for missing tax deadlines 18:00 Common tax-saving mistakes to avoid YOU MIGHT ALSO BE INTERESTED IN: As an Investec client, you have access to a dedicated Investec financial adviser for your life insurance and investment needs. Our advisers provide objective advice with no additional fees or commissions. Ensuring transparency and trust. Experience clear, unbiased advice with your trusted financial partner. Investec Focus Radio · Read full article · Listen to the full series

In this episode, we explore the future of sustainable, green homes and energy independence with insights from industry experts, Claudia Thompson, Sustainable Solutions Product Owner at Investec, Anastasia Delis, Soly Representative Managing Global Partnerships, and Mzwakhe Mntambo from Burgess Plumbing, who share their knowledge on how solar energy, water management, and smart technology are transforming properties into eco-friendly homes. Whether you're a homeowner looking to boost sustainability at home or a business owner aiming for energy efficiency, this episode offers practical guidance on navigating the evolving world of sustainable energy. Tune in to gain insights into the short- and long-term benefits of sustainability, from cost savings and increased energy independence to environmental responsibility. Everything Counts is a new bi-weekly podcast series that focuses on money and financial wellness. Hosted by 702's Motheo Khoaripe, each episode tackles various aspects of personal finance, including saving, spending, investing, pitfalls to avoid and tricks to succeed. The podcast aims to provide valuable information and expert guidance to help listeners improve their financial well-being. Key moments: 00:00 Introduction: The rise of sustainable living in South Africa 01:00 Trends in home sustainability: Local and international perspectives 03:00 The shift towards solar energy and backup water systems 06:00 How to be more sustainable at home - simple steps 08:00 The role of technology in managing home energy 10:00 Recycling and sustainable practices for homes 12:00 Understanding costs and financing for sustainable solutions 14:00 Choosing the right installer and avoiding common mistakes 17:48 Heat pumps and geysers 18:00 Sustainability considerations when buying property 22:00 Renewable energy finance 26:00 Predictions for the future of sustainability 28:00 The evolution of financial products to meet the increasing needs of sustainable assets YOU MIGHT ALSO BE INTERESTED IN: Investec Private Home Loan No two individuals are the same. That's why Investec will structure your home loan according to your needs and you'll benefit from market-leading interest rates. From application to approval and registration, your Private Banker will help you every step of the way. To find out more about the Investec Private Home Loan, visit our website and if you're an Investec client, get in touch with your Private Banker. Investec Sustainable Financing Ideal for family homes, apartments, rental properties, or holiday homes. Investec offers innovative and flexible sustainability finance for your property. The process is quick and efficient, and you'll be up and running in no time. To find out more about investec Sustainable Solutions, visit www.investec.com. If you're an Investec client, get in touch with your private banker. Investec Bank Limited is a licensed FSP. Terms and conditions apply. Investec Focus Radio · Investec Private Home Loan · Investec Sustainable Solutions

In this episode of Everything Counts, we discuss retirement planning and saving for your future self. Host Motheo Khoaripe is joined by Kate Robson (co-head of Investec My Investments) and Kgomotso Motloung (Investec financial adviser). The conversation covers setting retirement goals, calculating how much you'll need, and avoiding common financial mistakes. Whether you're in your 30s or nearing retirement, this episode offers valuable insights on how to prepare for a financially secure future. Everything Counts is a podcast series dedicated to exploring the ins and outs of personal finance. Hosted by 702's Motheo Khoaripe, each episode brings together financial experts to tackle crucial topics like saving, debt management, investing, and smart financial habits. The goal is to empower listeners with the knowledge and tools they need to achieve financial wellness. #RetirementPlanning #FinancialWellness #InvestSmart #SavingForTheFuture #InvestecPodcast #EverythingCounts #RetirementSavings #MoneyMatters #FinancialAdvice Key moments: 00:00 Introduction 01:20 Where to start with retirement planning 04:00 Calculating replacement ratios for retirement 05:36 The impact of inflation on your savings 06:47 Tactics to set you up for a comfortable retirement 10:58 Time as a key asset in retirement planning 11:17 Different retirement savings products explained 12:18 Should you cash out your pension fund when switching jobs? 17:33 Mistakes to avoid when reaching retirement 18:32 The benefits of living annuities and other preservation options You may be interested in: As an Investec client, you have access to a dedicated Investec financial adviser for your life insurance and investment needs. Our advisers provide objective advice with no additional fees or commissions. Ensuring transparency and trust. Experience clear, unbiased advice with your trusted financial partner. Investec Focus Radio · Listen to the full series

In this episode, we explore the newly implemented two-pot retirement system in South Africa. Our expert guests, Kate Robson (co-head of Investec My Investments), Nicolette Mashile (Financial Bunny), and Siphithi Sibeko (media spokesperson at SARS), unravel the complexities surrounding retirement savings. They discuss the implications of withdrawals, the importance of long-term savings, and unpack the tax considerations. Whether you're approaching retirement or just beginning to save, this episode offers crucial insights to empower your financial journey. Everything Counts is a podcast series dedicated to exploring the ins and outs of personal finance. Hosted by 702's Motheo Khoaripe, each episode brings together financial experts to tackle crucial topics like saving, debt management, investing, and smart financial habits. The goal is to empower listeners with the knowledge and tools they need to achieve financial wellness. KEY MOMENTS: 00:00 Introduction 01:30 Why was the two-pot retirement system introduced? 03:30 What is the two-pot retirement system? 05:30 What is the conversation around the two-pot retirement system? 08:45 SARS and the two-pot retirement system 10:45 Tax implications of withdrawing from your savings pot 15:30 Hidden fees in withdrawals from your savings pot 18:20 Case study: Nkosi's story 24:00 Understanding your own personal finance 26:00 Importance of a financial adviser 27:00 Understanding retirement savings Investec Focus Radio SA

In this episode of Everything Counts, we explore the financial and practical considerations of buying property for resale or as a holiday home. Motheo Khoaripe is joined by experts Keshnie July (Lending Product Owner at Investec), Hayley Ivins-Downs (Managing Executive for Real Estate at Lightstone Property), and Tsholofelo Mokoma (Property Practitioner at RE/MAX Horizon). They discuss the pros and cons, trends, and hidden costs of owning a second property. Whether you're an investor or considering a holiday home for leisure, this episode is packed with insights on market trends, legalities, financing, and tips to protect your investment. Key moments: 00:00 Introduction: Investing in a second property 01:00 Property ownership trends in South Africa 02:00 Renting vs holiday homes: Key trends 03:00 Financial impact of interest rates on rental properties 05:00 Location considerations for rental or holiday homes 07:00 Hidden costs of owning a second property 08:00 Legalities: What to ask your agent 10:00 Managing rental properties: Contracts and agreements 12:00 How to know if you're ready for a second property 12:30 Role of the bank and financing options Everything Counts is a bi-weekly podcast series that focuses on money and financial wellness. Hosted by 702's Motheo Khoaripe, each episode tackles various aspects of personal finance, including saving, spending, investing, pitfalls to avoid and tricks to succeed. The podcast aims to provide valuable information and expert guidance to help you improve your financial well-being. YOU MAY ALSO BE INTERESTED IN: Investec Private Home Loan No two individuals are the same. That's why Investec will structure your home loan according to your needs and you'll benefit from market-leading interest rates. From application to approval and registration, your Private Banker will help you every step of the way. To find out more about the Investec Private Home Loan, visit our website and if you're an Investec client, get in touch with your Private Banker. Investec Bank Limited is a licensed FSP. Terms and conditions apply. Investec Focus Radio SA

We see that everything does count in this walk with God toward the Celestial City. Are you like Abraham or like Lot in your walk with Jesus?

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In this episode of Everything Counts, we dive into the essential considerations when buying property in South Africa. Join Motheo Khoaripe as he hosts Keshni July, Lending Product Owner at Investec, and Tsholofelo Mokoma, Property Practitioner at Re/max Horizon. Together, they unpack the step-by-step process, from getting pre-approved to closing the deal on your dream home. Whether you're a first-time home buyer, upgrading from your current home, or downscaling, this episode provides valuable insights to help you make informed decisions. Don't miss out on expert guidance that will make your property-buying journey smoother and more successful! Key Moments: 00:00 Introduction to the Episode: What to consider when buying property 00:55 Why pre-approval is Important for homebuyers 02:45 Choosing the right property practitioner 03:35 Additional costs to budget for when buying property 05:20 Understanding affordability and setting realistic expectations 07:00 The impact of interest rates on property purchases 09:00 Preparing for property investment at different life stages 13:00 Step-by-step guide to making an offer and closing the deal 16:00. The importance of home inspections 18:00 Final steps: transfer, bond registration and moving In Everything Counts is a bi-weekly podcast series that focuses on money and financial wellness. Hosted by 702's Motheo Khoaripe, each episode tackles various aspects of personal finance, including saving, spending, investing, pitfalls to avoid and tricks to succeed. The podcast aims to provide valuable information and expert guidance to help you improve your financial well-being. YOU MAY ALSO BE INTERESTED IN: Investec Private Home Loan No two individuals are the same. That's why Investec will structure your home loan according to your needs and you'll benefit from market-leading interest rates. From application to approval and registration, your Private Banker will help you every step of the way. To find out more about the Investec Private Home Loan, visit our website and if you're an Investec client, get in touch with your Private Banker. Investec Bank Limited is a licensed FSP. Terms and conditions apply. Find out more about the Investec Private Home Loan · Full article · Listen to the full series · Investec Focus Radio SA

Era o triunfo da música electrónica nos eighties e o terceiro LP dos Depeche Mode, Construcion time again, de 1983, era o terceiro ano de vida da banda britânica. Depeche Mode | Construction time again (LP) | Everything counts | 1983

The rise in inflation globally has forced many central banks in leading economies to increase interest rates. Locally, the South African Reserve Bank has raised rates to 15-year highs since it began tightening policy in November 2021. As market dynamics shift and economic uncertainties loom, this week's insightful episode explores whether property is still a good investment. Motheo Khoaripe hosts Keshnie July, lending product owner at Investec, Hayley Ivins-Downes, Managing Executive for Real Estate at Lightstone Property, and Tsholofelo Mokoma, property practitioner at RE/MAX Horizon, to provide listeners with a comprehensive analysis of the current property landscape. They discuss the factors influencing property values, the impact of interest rates, and whether property still holds its place as a cornerstone of wealth-building strategies. This podcast is ideal for individuals interested in property investment, whether they are first-time buyers, experienced investors, or simply looking for expert opinions on the current property market. It caters to those who want to understand the impact of rising interest rates, market conditions, and regional trends on property investment decisions. Key moments: 00:00 Introduction 01:45 Is property still a good investment today? 03:47 Property price index 05:53 What to consider when purchasing a property? 07:09 Property investment landscape in South Africa by region 09:20 What are South Africans looking for in neighbourhoods to buy in? 10:26 How do interest rates impact property investment decisions? 12:03 Property trends in South Africa 2024 16:12 Rental vs purchase Everything Counts is a bi-weekly podcast series that focuses on money and financial wellness. Hosted by 702's Motheo Khoaripe, each episode tackles various aspects of personal finance, including saving, spending, investing, pitfalls to avoid and tricks to succeed. The podcast aims to provide valuable information and expert guidance to help you improve your financial well-being. YOU MAY ALSO BE INTERESTED IN: Investec Private Home Loan No two individuals are the same. That's why Investec will structure your home loan according to your needs and you'll benefit from market-leading interest rates. From application to approval and registration, your Private Banker will help you every step of the way. To find out more about the Investec Private Home Loan, visit our website and if you're an Investec client, get in touch with your Private Banker. Investec Bank Limited is a licensed FSP. Terms and conditions apply. Investec Focus Radio · Investec Private Home Loan · Full article

In this episode, Motheo Khoaripe dives deep into the financial dynamics that can make or break a relationship. Joined by financial consumer journalist, Maya Fisher-French and seasoned Investec financial advisor, Kgomotso Motloung, they explore how couples can navigate the often challenging conversations around money, financial planning, and shared goals. #RelationshipGoals #MoneyMatters #FinancialPlanning Tags: Relationships, Money Management, Financial Planning, Couples Finance, Podcast, Investec, Financial Wellness, Wealth Building Key Moments: 00:00 Introduction 01:00 How different financial values and goals can impact a relationship 02:38 Tips to identify the financial habits of a partner early in a relationship 03:59 What about your partner's finances should you know upfront 06:46 The significance of marital regimes and their financial implications 10:06 Planning for unexpected life events like disability or retirement 12:19 Strategies for saving for children's education without compromising other financial goals 18:15 Why it is important to consistently review your financial plans 19:02 The value of having a financial adviser: when you have extra cash/bonus/salary increase 20:03 Planning for death 22:33 Don't be nervous about approaching a financial adviser 23:44 What are the warning signs that indicate you are not consulting the right financial adviser? This episode is a must-listen for couples at any stage in their relationship, offering actionable guidance to strengthen their financial partnership while navigating the complexities of shared finances. Everything Counts is a bi-weekly podcast series that focuses on money and financial wellness. Hosted by 702's Motheo Khoaripe, each episode tackles various aspects of personal finance, including saving, spending, investing, pitfalls to avoid and tricks to succeed. The podcast aims to provide valuable information and expert guidance to help you improve your financial well-being. Investec Focus Radio SA

Are you a parent who wants to secure your child's education and future? Do you find it challenging to balance your financial well-being with providing for your kids? Well, we've got you covered! In this Savings Month-focused episode of Everything Counts, Motheo Khoaripe hosts parenting expert Nikki Bush and Investec Wealth Management specialist Kate Stannard, to delve into the world of money, savings, and raising financially savvy children. This episode is ideal for parents who want to strike a balance between providing for their children and securing their own financial future. We provide valuable insights and practical tips for parents who want to teach their children about money and savings. Key moments: 00:00 Introduction 01:33 The envelope system 04:55 When is the best time to teach your children about money? 05:30 Using the piggy bank system to teach your children about budgeting, saving and investing 07:03 How do you strike the perfect balance between investing in your kids' education and future, and investing to secure your wealth? 09:35 How do you structure your finances to save and invest for both yourself and your kids? 12:05 How do you strike the perfect balance between investing in your kids' education and ensuring your own peace of mind? 14:17 How do you make sure that your saving and investing efforts beat education inflation? 16:53 What products are great for when you are starting your saving and investing journey? 18:08 How to be a good money role model for your kids? 20:05 Are there alternative ways to save for your kids besides the traditional savings options? 20:44 Creative ways to get your kids to start saving and investing 22:05 What tax implications to consider when saving and investing for your kids 24:21 How do you teach kids the consequences of their financial decisions? Everything Counts is a bi-weekly podcast series that focuses on money and financial wellness. Hosted by 702's Motheo Khoaripe, each episode tackles various aspects of personal finance, including saving, spending, investing, pitfalls to avoid and tricks to succeed. The podcast aims to provide valuable information and expert guidance to help you improve your financial well-being. You might also be interested in: Investec My Investments Whether you're just starting or looking to enhance your wealth, Investec My Investments provides solutions tailored for you. Invest with as little as R1,000 per month and experience the benefit of Investec's global expertise. Chat to your Investec Financial Advisor today. Investec Bank Limited is a licensed FSP. T& Cs apply. SmartRate Plus 15-Day Notice Account | Investec There's a difference between having a dream and working towards a goal. Waiting for luck or making investments in you. There is a difference. Expect more than ordinary when you save in an Investec SmartRate Plus 15-day notice deposit. Earn 9. 06 percent annually effective, 8.7 percent nominal. Save with Investec from R100 000. Go to investec.com/smart. Investec is an authorised FSP. Terms and conditions apply. Investec My Investments · Investec savings accounts · Investec Focus Radio SA

Everything Counts is a new bi-weekly podcast series that focuses on money and financial wellness. Hosted by 702's Motheo Khoaripe, each episode tackles various aspects of personal finance, including saving, spending, investing, pitfalls to avoid and tricks to succeed. The podcast aims to provide valuable information and expert guidance to help you improve your financial well-being. July is National Savings Month! It is the perfect opportunity to assess your saving and investing strategies, set goals, and take steps toward building a secure financial foundation. Whether you are just starting your savings journey or looking to enhance your existing investments, saving and investing your money is always a good idea. In this episode Motheo is joined by Thabiso Masiela, co-head of My Investments at Investec and René Grobler, Head of Investec Cash Investments, to discuss this important topic. Skip ahead 00:00 Introduction 01:41 When did you start saving? Personal stories about money 03:29 What is the difference between saving and investing? 05:53 How do savings and investment strategies change as you progress through different life stages? 09:14 What percentage of a windfall should go to savings and investments? 11:26 Investing and saving strategies? 15:47 How do you structure a financial plan to balance saving and enjoying your money? 17:42 How do you stay disciplined in saving and investing for the long term? 20:21 Tactics to make sure you keep your money working for you 22:18 How do you weather financial uncertainties and avoid panic in saving and investing journey? 24:15 Top tips for successful saving and investing? You might also be interested in: Investec My Investments Whether you're just starting or looking to enhance your wealth, Investec My Investments provides solutions tailored for you. Invest with as little as R1,000 per month and experience the benefit of Investec's global expertise. Chat to your Investec Financial Advisor today. Investec Bank Limited is a licensed FSP. T& Cs apply. SmartRate Plus 15-Day Notice Account | Investec There's a difference between having a dream and working towards a goal. Waiting for luck or making investments in you. There is a difference. Expect more than ordinary when you save in an Investec SmartRate Plus 15-day notice deposit. Earn 9. 06 percent annually effective, 8.7 percent nominal. Save with Investec from R100 000. Go to investec.com/smart. Investec is an authorised FSP. Terms and conditions apply. Investec My Investments · Full article · Investec Focus Radio · SmartRate Plus 15-Day Notice Account | Investec

Everything Counts is a new bi-weekly podcast series that focuses on money and financial wellness. Hosted by 702's Motheo Khoaripe, each episode tackles various aspects of personal finance, including saving, spending, investing, pitfalls to avoid and tricks to succeed. The podcast aims to provide valuable information and expert guidance to help you improve your financial well-being. July is National Savings Month! It is the perfect opportunity to assess your saving and investing strategies, set goals, and take steps toward building a secure financial foundation. Whether you are just starting your savings journey or looking to enhance your existing investments, saving and investing your money is always a good idea. In this episode Motheo is joined by Thabiso Masiela, co-head of My Investments at Investec and René Grobler, Head of Investec Cash Investments, to discuss this important topic. Skip ahead 00:00 Introduction 01:41 When did you start saving? Personal stories about money 03:29 What is the difference between saving and investing? 05:53 How do savings and investment strategies change as you progress through different life stages? 09:14 What percentage of a windfall should go to savings and investments? 11:26 Investing and saving strategies? 15:47 How do you structure a financial plan to balance saving and enjoying your money? 17:42 How do you stay disciplined in saving and investing for the long term? 20:21 Tactics to make sure you keep your money working for you 22:18 How do you weather financial uncertainties and avoid panic in saving and investing journey? 24:15 Top tips for successful saving and investing? You might also be interested in: Investec My Investments Whether you're just starting or looking to enhance your wealth, Investec My Investments provides solutions tailored for you. Invest with as little as R1,000 per month and experience the benefit of Investec's global expertise. Chat to your Investec Financial Advisor today. Investec Bank Limited is a licensed FSP. T& Cs apply. SmartRate Plus 15-Day Notice Account | Investec There's a difference between having a dream and working towards a goal. Waiting for luck or making investments in you. There is a difference. Expect more than ordinary when you save in an Investec SmartRate Plus 15-day notice deposit. Earn 9. 06 percent annually effective, 8.7 percent nominal. Save with Investec from R100 000. Go to investec.com/smart. Investec is an authorised FSP. Terms and conditions apply. Investec My Investments · Full article · Investec Focus Radio · SmartRate Plus 15-Day Notice Account | Investec

Everything Counts is a new bi-weekly podcast series that focuses on money and financial wellness. Hosted by 702's Motheo Khoaripe, each episode tackles various aspects of personal finance, including saving, spending, investing, pitfalls to avoid and tricks to succeed. The podcast aims to provide valuable information and expert guidance to help you improve your financial well-being. In this episode leading financial consumer journalist, Maya Fisher-French and seasoned Investec financial advisor, Kgomotso Motloung are back and they dive deep into the world of debt management, offering invaluable insights and practical tips to help you pay off debt and start saving for a brighter financial future. Don't miss out on this episode packed with real-life examples. Whether you're a young professional or a seasoned investor, this podcast will equip you with the knowledge and tools to manage your debt effectively and pave the way toward financial freedom. Tune in now and take the first step towards a brighter financial future! Skip ahead 00:00 Introduction 01:03 What is debt? 02:37 Defining wants vs needs 04:39 The importance of an emergency fund 06:26 Getting yourself out of debt 08:39 How do you deal with extra money while you are in debt? 09:49 The importance of negotiating better interest rates 11:47 Personal loans 14:40 What you qualify for vs what you can afford 17:09 How credit scores work 20:38 The pros and cons of debt consolidation 23:30 Paying off debt vs saving 25:38 What is a survival budget and how does it work? You may be interested in: LifeStarter by Investec Life The life you're working towards is anything but ordinary, that's why we've designed extraordinary life insurance solutions to help you protect it. But we understand that managing competing responsibilities and financial pressures can feel like a balancing act. So, we've developed a product to kickstart your life insurance journey with us. Introducing LifeStarter by Investec Life. A complimentary life insurance package, made for you. LifeStarter by Investec Life · Investec Focus Radio

Everything Counts is a new bi-weekly podcast series that focuses on money and financial wellness. Hosted by 702's Motheo Khoaripe, each episode tackles various aspects of personal finance, including saving, spending, investing, pitfalls to avoid and tricks to succeed. The podcast aims to provide valuable information and expert guidance to help listeners improve their financial well-being. In this episode, we dive into budgeting and discuss how to manage your money better. Our expert guests, seasoned Investec financial advisor Kgomotso Motlaung and leading financial consumer journalist Maya Fisher-French, share their insights on budgeting and offer practical tips to help you take control of your finances. Whether you're just starting out or looking to improve your budgeting skills, this episode will provide the guidance you need to achieve your financial goals. Tune in now and start making every penny count! Skip ahead 00: 00 Introduction 01:12 Maya's budgeting story 03:12 Why is budgeting important to your financial wellness? 04:11 What are the characteristics of a good budget? 07:27 How important is discipline? 09:56 How important is having conversations with your family about your budget? 13:46 What portion of your income must you set aside to save? 15:49 How does your life stage determine your budget? 17:52 How can budgeting tools assist you? 18:47 How do you put aside money to splurge? 22:07 How do you make sure you keep to your budget? 24:11 What are some of the biggest mistakes people make when drawing up a budget? Full article · Investec Focus · Investec Focus Radio SA

Tener ambición en la vida es bueno, si no se convierte en esa codicia avariciosa que domina el mundo hoy. La búsqueda de un salario mejor, el lujo y la ascensión social consume la vida de muchos. La mayor parte de ellos no cree, sin embargo, que sea esclavo de ello, lo adore y sirva. El encuentro de Jesús con el corrupto cobrador de impuestos Zaqueo, nos muestra en este capítulo 19 de Lucas (vv- 1-10) que sólo un amor mayor puede librarnos del amor al dinero. James Taylor fue educado en una buena familia de Nueva Inglaterra. Su medio quiso hacer de él, "Una máquina para hacer dinero" (Money Machine 1970). "Todo cuenta" (Everything Counts 1983) habla del descubrimiento con la fama de la corrupción y avaricia corporativa por Depeche Mode, un grupo que José de Segovia conoció a algunos de sus miembros cuando iban al festival de Greenbelt en 1981. Fletcher era de una iglesia anglicana, cuando Vince Clark iba todavía a la iglesia y Martin Gore los acompañaba a encuentros cristianos como este. "¡Oh, buen Señor, dame una razón para levantarme y vivir!", ruega a Dios, el veterano cantante de soul y R&B, Barrence Whitfield con los Salvajes, en "Matar el tiempo" (Killing Time 2023). La llamada parábola de las minas (vv. 11-27) nos pregunta en qué estamos invirtiendo los dones y talentos que hemos recibido. La película que hemos escogido esta vez para hablar de la avaricia es un largometraje documental sobre el caso "ENRON: Los tipos que estafaron a América" (2005). Escuchamos escenas del film que comentamos con música de la banda sonora de Matt Hauser, Nicholas Britell para "La gran apuesta" (2012) y Nathan Larson para "Margin Call" (2011). La entrada de Jesús en Jerusalén (vv. 28-40) es puesta en música por Adrian Snell en "La Pasión" (Long Live The King) que hizo con la Royal Philarmonic Orchestra en 1980 (The Passion). Oímos en esta ocasión, la versión que hizo en vivo para la radiotelevisión protestante holandesa NCRV. Las palabras del Evangelio resuenan también en El Mesías de Haendel, adaptado al góspel, el rock y el soul en "El joven Mesías" (The Young Messiah 1982) con una impresionante voz afroamericana interpretando este tema. . El lamento de Jesús por Jerusalén y la purificación del Templo (vv. 41-48) nos muestran la incapacidad de la religión para cambiar al ser humano. No es extraño que "Esta discoteca solía ser una bonita catedral", canta Steve Taylor pensando en un club como Paradiso en Amsterdam, que era una iglesia antes. El hijo de un pastor bautista que se convirtió en el "enfant terrible" de la "música cristiana contemporánea" hizo esta canción para su segundo disco en 1985.

Everything Counts is a new bi-weekly podcast series that focuses on money and financial wellness. Hosted by 702's Motheo Khoaripe, each episode tackles various aspects of personal finance, including saving, spending, investing, pitfalls to avoid and tricks to succeed. The podcast aims to provide valuable information and expert guidance to help listeners improve their financial well-being. This podcast is perfect for individuals of all ages and backgrounds who are interested in managing their money more effectively and achieving their financial goals. Whether you're a recent graduate or someone looking to improve their financial situation, Everything Counts offers practical tips and insights to help you take control of your finances and secure your future wealth. In this episode, Motheo speaks to leading financial consumer journalist Maya Fisher French, and seasoned financial advisor from Investec, Kgomotso Motloung, about what financial wellness really is and what you need to do to obtain it. Skip ahead 00:00 Introduction 01:38 What is financial wellness? 03:35 Maya talks about her career move from stockbroker to journalist and how that impacted how she looks at money 05:32 Where do I start? 06:35 How do I approach a financial advisor? 09:18 Money personalities and their impact on my finances? 10:49 How do I structure my financial plan? 14:33 Why shouldn't I be ashamed about asking for help when it comes to my finances? 17:13 How do I calculate my net asset value? 18:01 Plan for when things go wrong 19:14 Where should I get advice from? 20:26 How should my budget work? 21:38 What habits will help me get my finances in order? 23:22 How do I think about insurance? Financial wellness insights · Private Banking for you · Investec Focus Radio SA

That's one of the biggest questions from parents looking into unschooling?It's what we talked about in April's Unschooling Question of the Month.And even after an hour of talking about it on the video (recording here) Sue Patterson shares even more about how unschooling provides everything your child will need! Free PDF mentioned on the Podcast:Follow-Up Unschooling ResourcesAcademic BundleUnschooling Guides to show you specifically how unschoolers learn The Basics (Reading/Writing/Math) plus the best-selling Everything Counts ebook as a bonus!Discounted Bundle hereRead the Transcript hereHow Do Unschoolers Learn What They Need?_____________________________________________________Reach out if you need help figuring out how unschooling can work for your family! You don't have to do this alone!www.UnschoolingMom2Mom.comLike what you're hearing? Want to buy Sue a cup of coffee? Now you can! Buy Me a Coffee Creating Confidence Membership Group Podcast listeners can join without the sign up fee - so use this link! Jumping Into Unschooling Course (for new unschoolers) Math WITHOUT Curriculum Course (for those worrying about unschooling math!) Private 1:1 Coaching with Sue Free Email List with weekly unschooling resources

Il est enfin là ! Première partie du hors-série consacré au concert de Depeche Mode à l'Accor Arena à Paris avec toute l'équipe de Depeche Pod !Message d'Enardan : mes excuses pour la qualité de mon micro, un petit dérèglage s'est produit. J'ai essayé de traiter le son du mieux possible pendant le montage. Le problème est depuis réglé, en espérant que cela ne va pas distraire votre écoute ! ;)---Au sommaire :Présentation du hors-série (00:02:40)Nos attentes avant le concert (00:04 :25)Avis sur le concert (00:14:21)La première partie de Suzie Stapleton (00:23:33)Concert, la setlist (00:28:40) :Intro (Speak to Me) (00:29:52)My Cosmos Is Mine (00:33:54)Wagging Tongue (00:41:21)Walking In My Shoes (00:47:24)It's No Good (00:51:33)Policy Of Truth (00:58:23)In Your Room (01:02:33)Everything Counts (01:06:36)-Happy Birthday Christian !- (01:10:06)Precious (01:11:42)Before We Drown (01:14:31)Strangelove (01:19:59)Somebody (01:23:43)Conclusion (01:28:12)----Crédits :Photo de couverture : YohanCouverture épisode : EnardanMusiques : YohanMontage : EnardanLes extraits musicaux proviennent des différents enregistrements d'Enardan et Philomena pendant le concert.---Sources et liens externes :Mother Of Earth (collaboration avec Dave Gahan)It's No Good (Single Tour 1998)Musique du pre-show : Flood par TaupePour nous retrouver : AcastDepeche Pod a rejoint le label Podcut ! Cliquez sur le lien pour découvrir les autres podcasts du label.Venez donner au Patreon pour le soutenir ! Hébergé par Acast. Visitez acast.com/privacy pour plus d'informations.

Where did all of the materials of the mishkan go? What is the meaning of the word mishkan? How was the mishkan "testimony"? What's up with censorship of Tanach? What is the message behind the prohibition of Kilayim? Learn the answers to all of this, and more, on this week's episode of Toras Chaim.  Toras Chaim: Meaningful Life Lessons from the Weekly Parsha, by Rabbi Elchonon Cohen.  Comments, questions and requests are welcome!  Instagram: @OvertimeCook or @Elchonon or via email: overtimecook@gmail.com

What matters when it comes to your search engine ranking? Google will tell you, but won't. Also: More cuts at Snapchat, LinkedIn is killing its Creator mode, and the bizarre new generative AI trend of non-consentually putting clothes ON people.Our Sponsors:* Check out Factor 75 and use my code todaypod50 for a great deal: https://www.factor75.com/* Check out Miro and use my code PODCAST for a great deal: https://miro.com/Privacy & Opt-Out: https://redcircle.com/privacy

On this week's episode, we talk about injuries galore, the Fast and the Furious franchise, competitors for Roman Reigns' title, and the lack of stories in AEW. Cheers and thanks for letting us penetrate your ears in 2023!

One of the ways in which the evil inclination gets a person to sin is by convincing him that he is only committing a small infraction and it's not such a big deal. But if we understand what a big deal it really is, we would never listen to that inclination. Every single mitzvah or averah carries so much weight. Even if a person would rampantly be sinning in one particular area, he can't imagine the value of one small improvement in that area. Rabbi Yaakov Edelstein related a story of a non-religious Jew who violated Shabbat in every way possible, but refused to smoke under any circumstances. He was a heavy smoker and that's why it was strange that he wouldn't smoke on Shabbat. He explained, when he was 20 years old, a soldier in the battlefield, his life was about to come to an end. He told Hashem he would never smoke on Shabbat again if He would save him. And miraculously, he got saved. This man lived until the age of 86 and had a wife and children and grandchildren. Although he never became religious, Hashem gave him 66 more years of life because of one partial acceptance of a mitzvah that he accepted upon himself. Everything counts. Our deeds affect the highest places in Heaven. We may not be able to see it now, but it is the absolute truth. Nothing gets overlooked. We are Hashem's prized possessions and every last thing that we do matters so much. A man whose name is Ben Tzion told the following story and wants the chizuk that people get to be a zechut for his father's refuah shelemah - Shmuel Tzvi ben Miriam. His father read a teshuva from Rabbi Belsky which basically said that a large number of the rolls being marketed today as mezonot are really hamotzi . It is obvious from the way they taste that they are considered regular bread. So he told his son Ben Tzion, he wants him to accept upon himself to wash and say hamotzi on those rolls which are really bread. He also said people search high and low for different segulot to earn parnasa and here we have clear ones directly related to eating bread, whether it is the way we wash netilat yadayim or the way we say birkat hamazon . Ben Tzion was inspired by his father's words and indeed accepted this kabala upon himself. It was very difficult as he is constantly on the go and doesn't have that extra time to wash and say birkat hamazon , but knowing how valuable it is, he makes himself do it. One day, his schedule was very hectic and he knew he was not going to have time to wash on his lunch. He had the sandwich prepared already and so he decided that just for that one time he was going to make an exception and be like everybody else and say mezonot . He figured it wouldn't be such a big deal to compromise just that one time. After all, he had been sacrificing so much until then to fulfill his kabala properly. So that day, he took the sandwich in the car and was going to eat it while driving from one appointment to the next. When he stopped at a red light, he picked up the sandwich to say the beracha and, just then, he heard honking from the car next to him. The other driver was motioning to him to roll down his window. That driver said, “I hope you are going to wash and say hamotzi on your sandwich. The zechut of netilat yadayim and birkat hamazon is unimaginable.” The light then turned and they both drove away. Ben Tzion was in awe. He had never seen this Jew before in his life and no one had ever commented before to him about which beracha he was going to say on his food. At that moment he realized how every single thing we do matters. There is no such thing as “I will just compromise this one time” Or, “What's the big deal, it's only once.” Not true. Every time is a very big deal and Hashem taught him that lesson in an unbelievable way. We should all take chizuk in valuing every mitzvah we perform and every averah that we hold ourselves back from doing.

Split this week into two shiurim. Ideas in the Shiras HaYam from the aspect of mercifulness shown to the Mitzriyim. Nothing is insignificant by Hakadosh Baruch Hu.

Pop trifft auf Klassik. Was Depeche Mode und Domenico Scarlatti miteinander verbindet. Hör mal rein! Diese Musikstücke hast Du in der Folge gehört: Domenico Scarlatti - "Sonate 8" // Domenico Scarlatti - "Sonate 32" // Domenico Scarlatti - "Sonate 126" // Depeche Mode - "Everything Counts" // Depeche Mode - "Everything Counts" // Wenn Du eine Idee oder einen Wunsch hast, zu welchem Thema Philipp unbedingt eine Playlist zusammenzimmern muss, dann schreib ihm ebenso eine Mail: playlist@ndr.de.

** Episode 47- Live on Electromagnetic Radio** ***ALL DEPECHE MODE EPISODE***                                              ***TRACKLISTING*** 1. To Have and to Hold 2. People Are People 3. Blasphemous Rumors (Single Mix) 4. New Dress 5. Something To Do 6. Strangelove (Single Mix) 7. Suffer Well 8. Sea of Sin (Tonal Mix) 9. Slow 10. Stripped 11. Walking in My Shoes 12. It's No Good 13. Fly On The Windscreen (final) 14. Clean 15. Waiting For The Night 16. Insight 17. Everything Counts (live) 18. Personal Jesus (acoustic) 19. Enjoy The Silence (Harmonium Mix) 20. I Feel You 21. Flexible 22. Shake The Disease 23. Route 66 (Beatmasters Mix)  

In our life with God on this earth, time is ticking.  There are no unimportant moments or days.  Everyone is precious and should be treated as such.  Everything counts!

So, after a bit of banter around what's in a name and “does Bobby have a legitimate job title?”, Tiff and I settled into a fascinating conversation around the inter-complexity of beliefs and behavior change.  Just like the conversation around the proverbial “what came first, the chicken or the egg?”, a popular debate in the self-help arena is “do beliefs influence our behaviors, or do our behaviors influence our beliefs?”  In short, yes.  Everything is interrelated and interlinked.  Our behaviors influence our neurobiology, and our neurobiology influences our behaviors.  All disciplines are interdisciplinary.  When it comes to understanding behavior it's more about “and” than “or”. We also tackled some other common questions such as:What is mindfulness?  What is the impact that our beliefs have on our behaviors and how can we change them?  We talked about emotional regulation, the root causes of perfectionism, and the value skepticism as well as other ism's.   Enjoy!   

Eric Lofholm is excited to bring you another FREE resource to maximize your business and personal results! Check in daily (Mon-Fri at 7:45am Pacific) for new messages and growth strategies. Midyear Planning Class is Today, June 14th! Calendar

When Moshe Rabbenu came to Midyan, he rescued the daughters of Yitro from the shepherds who were trying to drive them away from the well. Then he personally drew water for all of their sheep. When they went back home, Yitro asked them how they finished so fast. They told them, a man from Egypt saved them. Yitro then told them to go back and invite him to eat a meal. Years later, when Yitro met up with the Jewish People after Kriyat Yam Suf , the pasuk says Aharon and all the Elders went out and invited Yitro to partake in a big meal, and Rashi says Moshe Rabbenu was serving them. The Midrash Raba writes that because Yitro invited Moshe to eat a meal in his home, he was given the great honor of being served by the greats of the generation at a meal in his honor. This took place more than fifty years after Yitro invited Moshe to eat with him, and Rashi writes Yitro only invited Moshe because he was hoping that he would marry one of his daughters. Nonetheless, Hashem counted that as an act of chesed and paid him back many years later, and that was only a dividend of the mitzvah. The real reward is paid in the Next World. Look at how Hashem keeps track of every little deed a person does and He is ne'eman (trustworthy) to pay back for it. A man, Joe, told me that about twelve years ago he was very down about being older and not married. His friend, who we'll call Ralph, was trying to cheer him up. He gave him a lot of chizuk and hope and, eventually, he was the one who set up Joe with the girl that he married. Joe was grateful to Ralph for being there to give him chizuk and encouragement at his lowest point and, of course, for helping him to get married. Last year, Joe's son was in camp and, one day, he saw how the other children were bullying another boy. He felt so bad for that boy. This continued on every single day. Then, it was the boy's birthday, and not only were the other boys not being nice to him, they bullied him even more. It bothered Joe's son so much, he came home that afternoon and told his mother about it. His mother said, “Why don't you invite him over now? Maybe we'll take him out for ice cream for his birthday.” So he called up that boy, and he made plans for that afternoon. He saw how down that boy was, he encouraged him, he made him feel very special and he ended up becoming very good friends with that boy and eventually made him popular and no longer subject to being bullied. On that day, when he took him out for ice cream, his father Joe received a call from his old friend Ralph. Ralph said to him, “I'm calling you now to thank you. My son was so depressed today and your son gave him so much chizuk . He came home from your house a different boy.” At that moment, Joe said he had the chills. He told Ralph, “Remember how twelve years ago when I was at my low point you gave me chizuk . And now, my son was able to give your son chizuk when he was at his low point.” It's no coincidence that Joe's son was the one who had feelings of mercy aroused inside of him to help that boy. That was Hashem giving a dividend to Ralph for the good deed that he did years before. Everything we do counts, every good deed, every good thought. Hashem keeps track of the smallest things that we do and gives us benefits from them even decades later. The main reward for our deeds is in Olam Haba but for some mitzvot , we are able to enjoy the fruits of our deeds in this world as well.

From Tulum to Miami to Ibiza? With a bit of London thrown in there? You bet! Yes that's exactly what Kerol Garcia has been up to lately. Our Brazilian resident has been using the UK winter time to go away and recharge, reconnect with distant friends and play out some fine selections in a variety […]

Today Tuesday, February 22, 2022....2'sday :-)What could you do differently today? Some see this magical number day as an opportunity to reset..a second New Year.Is there something you would like to reset? To add or take away from your daily life in order to find more joy and fullness?Everything we do matters, you matter!The focus of today's episode is the following poem by Countee Cullen "THE TRUTH IS...EVERYTHING COUNTS.EVERYTHING.EVERYTHING WE DO AND EVERYTHING WE SAY.EVERYTHING HELPS OR HURTS;EVERYTHING ADDS OR TAKES AWAY... FROM SOMEONE ELSE." May your day today be everything you need it to be!

his week's episode is hosted by EVERYTHING COUNTS a duo that lives in Italian Switzerland composed by Toshka and Chris Leon. Their sound combines elegant progressive sounds with ethnic and melodic references. Their partnership began with the debut album in 2018, “The Bedouin“, released on the German 3000Grad Records, a label launched in 2008 by Mollno.Bass, an EP that still has a good feedback. In 2019 they released with Cosmic Awakenings the EP “Palenque“ with their Original Mix and the remix of well known Russian DJ Zuma Dionys, which had a great exploit, and the track “Amber“ with Diass's interpretation. Summer 2021 they released “Mbodiene“ on MoBlack Records, remix of Leo Guardo, Andile Mbili - Afraid on Wired label along being part of DJ Ravin's compilation named after the famous Buddha Bar Club - "Peace & Love & Summer”. Another successful release for them, also on MoBlack Records, which reached 180 thousand listens on Spotify, is the remix of "Mona Ki Ngi Xica" by the famous Angolan singer Bonga. On vinyl, two remixed versions of the song have been released: theirs and that of Pablo Fierro, guru of the African world. Meanwhile, there is also radio in their present: they collaborate with Pure Ibiza Radio with their Radio Show "Be with you", broadcast every Thursday from 5 pm to 6 pm. And it is precisely the radio that is the protagonist of their important collaboration that began in July with Rete 3, the most important radio station of The Italian Swiss Radio and Television, launched in 1988. They are air every Saturday of the month with their Radio Show from 10 pm to 11 pm. For Everything Counts, many future projects and collaborations in the process for 2021, as well as a great desire to return to bringing their music to clubs. Watch out for this duo, cause they are coming strong! Enjoy this Ethnic Tribal Latin journey with Everything Counts ! 01. Sam Shure - Mirage 02. Plaster Hands - Gipsy (Silvano Del Gado Remix) 03. Saliva Commandos - Back 2 Cuba 04. Manybeat - Happy Habanna 05. Simone Vitello / Live K Feat. Brigitte Wickens - Feeling Good 06. Leo Guardo feat Andile Mbili - Wenomkhubulwane (Da Africa Deep Remix) 07. Dj Crooked & Gumzito - Piece of my mind (Benny T Botswana Afro Mix) 08. Bora - Falling 09. Delum - Lobotomy 10. Alain Fenegas & Tomy Wahl - Hidden Love 11. Leo Guardo, Toshi - Sikhanyisele - REDOLENT This show is syndicated & distributed exclusively by Syndicast. If you are a radio station interested in airing the show or would like to distribute your podcast / radio show please register here: https://syndicast.co.uk/distribution/registration

Every small step you take is something worth celebrating... ESPECIALLY when it's hard. Let every step be evidence that you care, that you're trying, that your dream of you is real.Music: Newer Wave by Kevin MacLeod - standard license - Thank you Kevin!

Enjoy this week episode of Redolence Radio hosted by Dj & Producer MATT SAWYER progressive-melodic sounds with ethnical hints and nuances, steel battery and much 90s culture: Matt expresses himself musically towards this direction, giving birth to a recognizable and much researched sound. Everything Counts's remix of “Mbodiene” was recently released in 2021 on MoBlack Records, currently in Beatport Afro House's TOP100 and the song of the artist most downloaded on Traxsource. Two electronic tracks on BornToLive, “Spill The Tea” and “Semplify”, supported by Solomun and his Knowhat's “Tribalistars” remix branded Villahangar, played by Black Coffee in the Keinemusik Radio Show and included in the Spotify playlist created by the Keinemusik crew. 01. WhoMadeWho - Abu Simbel (Extended) / Cercle Records 02. Laroz - Close feat. Hellogoodbye / Redolent 03. Rampa - The Church / Circoloco Records 04. Matt Sawyer - Tribe / Diynamic 05. &me - Garden / Keinemusik 06. Celeda - Underground (Acapella) 07. Matt Sawyer - Spill The Tea / Born To Live 08. Jose Alves, Manybeat - Alma Solitaria / Supersonica 09. Seth Troxler - Lumartes / Circoloco Records 10. Knowhat - Tribalistars (Matt Sawyer Remix) / Villahangar 11. Dj Tomer, Ricardo, Nuzu - Anymore (Atmos Blad Remix) / Union Records 12. Notre Dame - Ewowe (Sasson Remix) / The Other Side of The Moon 13. Everything Counts - Over Me / Pipe & Pochet This show is syndicated & distributed exclusively by Syndicast. If you are a radio station interested in airing the show or would like to distribute your podcast / radio show please register here: https://syndicast.co.uk/distribution/registration