Podcasts about fco

ENTREVISTA A FCO. JAVIER FERRÁNDEZ PINA7 DE ABRIL DE 2025TEMPORADA VII.Entrevista en los micrófonos de NO ME CAMBIES LA VIDA a nuestro abogado Fco. Javier Ferrández Pina. En nuestra sección ADISTANCIATe animamos a escuchar esta magnífica entrevista.

06 04 2025 02 Vivir Mejor Qco.Fco. Óscar Allende, director general de Vigilancia de la Dirección Nacional de Vigilancia Sanitaria (Dinavisa) by ABC Color

Andre Eckstein war im Stammtisch by Sparkasse Zollernalb zu Gast! Im Podcast spricht der Spielertrainer des FC Onstmettingen über die aktuelle Situation im Aufstiegsrennen in die A-Liga, seine ersten Monate beim FCO und seine Zukunftspläne. Viel Spaß mit der Folge! Unsere Links: Instagram Neckaralb: https://www.instagram.com/match.report.neckaralb/ Instagram Nördlicher Schwarzwald: https://www.instagram.com/match.report.nsw Instagram Zollernalb: https://www.instagram.com/match.report.zollernalb/ Facebook (Sport): https://www.facebook.com/MatchReport-583138828788902 Facebook (Fußball): https://www.facebook.com/match.report.fussball Facebook Zollernalb: https://www.facebook.com/match.report.zollernalb.bytequila Twitch: https://www.twitch.tv/matchreport LinkedIn: https://www.linkedin.com/company/76271113/admin/ Podcast: https://open.spotify.com/show/3T8uyQK4PqkM9ea25FZWvW Blog: https://matchreport.de/ Sportlerfrühstück ist ein Podcast von @Match.Report. sportlerfruehstueck@matchreport.de

ESTÁNDARES SEMANALES.-Tin Roof Blues.-VINILOS MÍTICOS DEL JAZZ..La historia de Benny Goodman.--JAZZACTUALIDADJOVEN BIG BAND SEDAJAZZ-IN BLOOM La historia de Benny Goodman es una película biográfica musical estadounidense de 1956, protagonizada por Steve Allen y Donna Reed , escrita y dirigida por Valentine Davies y estrenada por Universal-International . La película fue concebida como una continuación del éxito de Universal de 1954, La historia de Glenn Miller , que narra la vida de un popular director de orquesta.El joven Benny Goodman recibe clases de clarinete clásico de un profesor de música de Chicago. El director de orquesta Kid Ory le aconseja tocar el género musical que más le guste. Benny comienza su carrera profesional uniéndose a la banda itinerante de Ben Pollack . Más tarde, en Nueva York, donde su nueva banda recibe una tibia acogida, Benny conoce al amante del jazz John Hammond y a su hermana Alice. Lo invitan a la majestuosa casa de los Hammond para interpretar el Concierto para clarinete de Mozart . Alice teme que se sienta incómodo, pero su interpretación es impecable y Benny agradece su preocupación. Las actuaciones de Benny en un popular programa de radio los sábados por la noche hacen que Fletcher Henderson se ofrezca como voluntario para hacer algunos arreglos. En la costa oeste, el comienzo temprano del programa ha convertido la música de Benny en una sensación entre las generaciones más jóvenes. Forma un cuarteto con Gene Krupa en la batería, Teddy Wilson al piano y Lionel Hampton al vibráfono . El romance con la chica de sociedad Alice es desconcertante para la madre de Benny, pero para cuando su hijo toca en el Carnegie Hall , todo está bien y la Sra. Goodman ha invitado personalmente a su futura nuera a sentarse a su lado. Concierto en directo grabado el dia 22 de Julio de 2024 dentro de las sesiones organizadas por el colectivo Sedajazz en el centro cultural La Rambleta en Valencia. Una big band con un objetivo claro: aprender y enriquecerse de repertorios de las historicas orquestas de Jazz y de nuevos compositores y arreglistas. La Jove Big Band Sedajazz reúne jóvenes de distintas edades que se expresan con sus instrumentos y forman una unidad donde todos tienen su espacio. El repertorio combina standards y arreglos de grandes exitos de la historia del Jazz, bandas sonoras, funk, rock y latin jazz. Han colaborado musicos como Jesus Santandreu, Joe Magnarelli, Perico Sambeat, Chris Cheek, Rex Richardson, Toni Vaquer, David Pastor, Sole Jimenez, Andrea Motis, Rita Payes, Domisol Sisters, Vicente Macian, Pedro Iturralde, Voro Garcia, Toni Belenguer, Alexey Leon, Miquel Alvarez, Joan Saldana y Pepe Zaragoza entre otros. Actuaciones destacadas: Festival de Jazz de Valencia, Club Jamboree, Jazz a poqueta Nit Altea, Festival de trompeta en Maspalomas, Ciclo Conciertos Caja Burgos, Festival Jazzing Barcelona, Clasijazz Almeria, Festival Mar i Jazz, Sala Mutant Valencia, Festival Jazz Teruel, Festival Jazz Villareal, Festival big band Priego Cordoba, Concierto Benefico Payasospital Palau de les Arts, Cinema Jove Torrent, Porta Ferrada Girona, Ses Figuretes Ibiza, Dia Internacional del Jazz Alfafar, Jimmy Glass, festival El desenjazz Lliria, Teatro Principal Valencia, Auditorio Almeria, Palau de les Arts Valencia, Asejazz Sevilla, Festival Jazz Cadiz, Palau de la Musica Valencia. Han grabado varios discos: Sedajazz kids band, Groowin Up, Rumbo a New Orleans, Ramonets amb Sedajazz Kids Band, Mutant, Eclectic, y ahora In Bloom. Su repertorio incluye arreglos de Perico Sambeat, Fco. Blanco Latino, Dizzie Gillespie, Duke Ellington, Don Ellis, Jesus Santandreu, Toni Vaquer, Juan Saus, Martina Sabariego, Pau Baena, Santi Navalon. Proyectos realizados: Brasiliana (musica brasileña), Toni Vaquer (Louis Cole, Nirvana, Radiohead), Andrea Motis (Standards), Rita Payes (Cancionero Latino), conciertos para lindy hop, musica de la movida valenciana de los 80s con arreglos originales. Músicos Ximo Reillo y Samu Gil: Saxo Alto Selamawit Giner: Saxo y Clarinete Luis Coronado: Saxo Tenor Aurora Blanco: Saxo Baritono y Voz Josep Peiro, Oscar Lujan, Guillermo Cotanda, Pablo Martinez y Hugo Coronado: Trompetas Hadriel Benedito, Angel Ballester, Joan Fernandez y David Marti: Trombones Martina Sabariego: Contrabajo Pau Montalt: Bateria Miquel Alcaina: Percusion Latina Pau Baena y Nur Elmanchoud: Piano Venus Benedito y Naila Ferrandis: Voz Raquel Marti, Alba Gimeno, Aleksandra Bester: Violines Nehir Acansu y Marc Vidal: Violas Irene Simbor: Violonchelo Fco. Angel Blanco Latino: Direccion Featuring: Juan Saus (Saxo Alto) Creditos Diseño Grafico: Cristina Duran Sonido: Vicente Sabater Asistente de Sonido: Iñaki Ariste Asistente Produccion: Pedro Gallego Temas 1. Harlem air Shaft (Duke Ellington) 03:11 2. La Puerta (Luis Demetrio) 03:36 3. In Bloom (Nirvana) 08:59 4. La Muerte Despierta (Lucia Fumero) 07:45 5. Mean To Me (Fred E. Ahlert) 03:23 6. Whiplash (Justin Hurwitz) 11:45 7. F it up (Louis Cole) 05:54 8. Deseo Salvaje (Eddie Palmieri) 03:07 9. Too Darn Hot (Cole Porter) 04:24 10. Carinhoso (Pixinguinha) 06:36 11. The Evil Morty (Kazu Makino, Amedeo Pace, Simone Pace.) 08:09 12. Nobody else for me (Jerome David Kern) 03:51 13. Over The Rainbow (Harold Arlen) 05:31 14. Flor de Lys (Djavan) 04:25

En este episodio, de la mano de Marga De La Fuente, hablamos sobre el mayor encuentro de la restauración en España: Restaurant Trends 2025, organizado en el recinto ferial de IFEMA MADRID organizado por Marcas de Restauración (MDR) en colaboración con HIP - Horeca Professional Expo. Un evento imprescindible para los apasionados del sector, donde el conocimiento, la experiencia y la innovación se fusionaron para transformar cada aspecto del día a día en la restauración y su evolución. Exploramos de la mano de nuestros invitados este prestigioso encuentro, abordando entre otros temas: liderazgo empresarial, la innovación en este sector, estrategias de comunicación digital y la importancia y el valor de formar parte de una Asociación. ️ Nuestros invitados: Fco. Javier Herrero Velasco, Secretario General Institucional de Marcas de Restauración. Enrique Francia Romero, Presidente de FOODBOX y galardonado como Directivo del Año en Restaurant Trends 2025. Itziar Tamayo García, Responsable de la Comunicación Digital de Marcas de Restauración (MDR) de Restauración. ️ En nuestro especial "Patenta tu Éxito con Salud y Energía", la destacada psicóloga Susana Cantón nos revelará los beneficios psicológicos y emocionales de pertenecer a una asociación o colectivo para potenciar el éxito empresarial. Patrocinado por Marcas de Restauración (MDR)

ENTREVISTA A FCO. JAVIER FERRÁNDEZ PINA 3 DE FEBRERO DE 2025 TEMPORADA VII. Entrevista en los micrófonos de NO ME CAMBIES LA VIDA a nuestro abogado Fco. Javier Ferrández Pina. En nuestra sección ADISTANCIA Te animamos a escuchar esta magnífica entrevista.

Faith Organizer Kelley Fox and Executive Director Elaina Ramsey reflect on the past year and share FCO's strategic & pastoral priorities for 2025. From a year that asks to a year that answers (shoutout to Zora Neale Hurston), Kelley and Elaina discuss the necessity of caring deeply for ourselves and the movement, while also having the audacity to hope and live into the future we're longing for throughout these chaotic times in the U.S. Links to discussed content: New Year, New Offerings: faithchoiceohio.org/blog/new-year-new-offerings We Take Care of Each Other: faithchoiceohio.org/blog/we-take-care-of-each-other Self-Care as System Maintenance: www.instagram.com/p/DBrp_kcNqjk/?utm_source=ig_web_copy_link&igsh=MzRlODBiNWFlZA== Faith for Repro Training Center: faithchoiceohio.org/trainings Music by Korbin Jones

Temperaturas registradas no Brasil foram as mais altas desde 1961. Porto de Itajaí movimenta mais de 30 mil contêineres por mês. Agronegócio goiano receberá R$ 230 milhões em investimentos de fomento. Bahia anuncia investimentos acima de R$ 120 milhões para impulsionar agroindústria local.

ENTREVISTA A ALBA BALBOA Y FCO. JAVIER FERRÁNDEZ. 2 DE DICIEMBRE DE 2024. TEMPORADA VII. Entrevista en los micrófonos de NO ME CAMBIES LA VIDA a Alba Balboa y Fco. Javier Ferrández. Te animamos a escuchar esta magnífica entrevista.

ENTREVISTA A FCO. JAVIER FERRÁNDEZ PINA 7 DE OCTUBRE DE 2024. TEMPORADA VII. Entrevista en los micrófonos de NO ME CAMBIES LA VIDA a nuestro abogado Fco. Javier Ferrández Pina. En nuestra sección ADISTANCIA Te animamos a escuchar esta magnífica entrevista.

"La plata nos va a dar mucha alegría con una revalorización importante". ¿Y el oro? Fco. López MilánTras semanas de corrección a la baja por el posible rumor de la no bajada de tipos de interés, ¿cuál es el panorama del oro?En línea con los últimos datos publicados de creación de empleo en EEUU, "nos encontramos con un mercado laboral débil, más gente parada, consume menos, lo que afecta a la bajada de la inflación", lo que da a entender que se produzcan bajada de tipos de interés frente a los rumores de que no llegarán las bajadas de tipos, sostiene  Francisco Javier López Milán, CEO de Silvergold. Venimos de una situación donde la plata estaba muy infravalorada con respecto al oro, y pese a que el ratio dice que es el momento de vender la plata para comprar oro, desde Silvergold sostienen que todavía le queda mucho recorrido a la plata frente al oro. Apuesta fuerte por la plata, al igual que oro, pero a medio plazo, "porque va a dar mucha alegría". La plata está muy barata en comparación al oro, recomendable para la cartera de una persona que empieza a crear patrimonio, siempre combinando con pequeños lingotes de oro. #oro #tiposdeinteres #plata #inversion #economia #metal #mercados #bancoscentrales #europa #eeuu #divisas #silvergold #negociostv Si quieres entrar en la Academia de Negocios TV, este es el enlace:   https://www.youtube.com/channel/UCwd8Byi93KbnsYmCcKLExvQ/join Síguenos en directo ➡️ https://bit.ly/2Ts9V3pSuscríbete a nuestro canal: https://bit.ly/3jsMzp2Suscríbete a nuestro segundo canal, másnegocios: https://n9.cl/4dca4Visita Negocios TV https://bit.ly/2Ts9V3pMás vídeos de Negocios TV: https://youtube.com/@NegociosTVSíguenos en Telegram: https://t.me/negociostvSíguenos en Instagram: https://bit.ly/3oytWndTwitter: https://bit.ly/3jz6LptFacebook: https://bit.ly/3e3kIuy

Nearly ten years since the onset of the crisis in Yemen this discussion provided an in-depth assessment of the conflict over the past decade. Panellists examined the local origins of the war, the humanitarian catastrophe that has ensued, and the challenges for sustainable development given the prolonged violence. Regional dynamics fueling the crisis were also analysed, including factors related to the war in Gaza. With the March 2024 milestone approaching, speakers assessed stalled peace efforts and policy options for international stakeholders moving forward. Ahmed Al Khameri is the Team Leader for the FCDO-funded programme, The Yemen Support Fund at Chemonics UK. Most recently, he was the governance advisor under the DFID Yemen team leading DFID's stabilization and governance efforts. Marwa Baabbad is Director of the Yemen Policy Centre. She is a researcher and development consultant with over ten years of experience working in the fields of community engagement, gender, peace and security, and youth political inclusion. Andreas Krieg is Associate Professor at the School of Security Studies at King's College London and a Fellow at the Institute of Middle Eastern Studies. Andreas is the Director of MENA analytica – a political risk firm – that works on Yemen and the Horn of Africa. Greg Shapland is an independent researcher, writer and consultant on politics, security, resources and environment (including water) in the Middle East and North Africa (MENA). Greg is also a Visiting Senior Fellow at the LSE Middle East Centre. From 1979 until 2015, he served in the MENA Research Group in the FCO.

Olá.  Pecuaristas, em nosso BB Cast Agro de hoje vamos falar um pouco da cadeia leiteira no Brasil, atividade que contribui com a história e formação econômica do nosso País e hoje continua com grande contribuição para nossa economia, com uma projeção de participação no Valor Bruto da Produção Agropecuária de mais de R$ 60 bilhões em 2024.Atualmente, o Brasil conta com um rebanho de 17 milhões de cabeças e uma produção anual de leite em torno de 34 milhões de toneladas/ano. A produtividade média em nosso território e de 2.280 litros por vaca em todo seu período de lactação, mas temos oportunidade de avançar bastante nesse quesito, visto que a média de produtividade mundial gira em torno de 2.660 litros.Existem nas regiões Sul, Sudeste, Centro-Oeste e Nordeste matrizes com produtividades bem acima da média mundial, chegando a produzir 4.560 litros por vaca na lactação, sendo comparadas à produção da Nova Zelândia, o maior exportador de lácteos do mundo, o que demonstra que temos boa tecnologia de produção. Temos o orgulho de deter no Brasil uma excelente genética de animais leiteiros melhorados e adaptados para a produção em nosso território.Mas, como dito, temos um desafio para que essa excelência na produção chegue a todos os produtores de leite brasileiros, com o acesso às melhores genéticas, aplicação de tecnologias, melhoria no manejo de animais e pastagens e na gestão da sua atividade.E para auxiliar nesse processo, acontece em Brasília na sede da EMBRAPA, o 2° Fórum Nacional do Leite, promovido pela ABRALEITE, onde o pecuarista pode se atualizar sobre os acontecimentos da cadeia produtiva e avanços no melhoramento genético, inseminação artificial e fertilização in vitro, sistemas de ordenhas de alta tecnologia informatizadas e digitais, colares com sensores que captam informações dos animais, ferramentas que, quando utilizadas, vão auxiliar  na melhor tomada de decisões na fazenda. E o Banco do Brasil, que participou ativamente dessa evolução da pecuária leiteira em nosso país, continua junto dos pecuaristas, apoiando para construirmos o futuro e disponibilizando incentivos para que possam aplicar todas essas tecnologias em seu empreendimento. Consultem seu gerente e assistência técnica sobre os recursos disponíveis com as linhas de crédito InvesteAgro, FCO, Finame, Moderagro, PRONAF, Inovagro e Renovagro, e o custeio da atividade. Não deixem de consultar também os conteúdos disponíveis na plataforma Broto, acessando “broto.com.br” em seu navegador. Lá encontrará treinamentos, tecnologias e oportunidades com as empresas do setor. Os investimentos em melhoramento genético, gestão, recuperação e reforma de pastagens, manejo e bem-estar animal tem reflexo direto na redução de custos, aumento de produtividade e elevação da rentabilidade. Conte sempre com a assessoria especializada em agronegócios e com toda a equipe do Banco do Brasil. Fica a dica de crédito consciente e sustentável.

Lynette and Stefanie open this week's third show by talking about some problems they're each having with their dogs. Then the ladies discuss kids being picky eaters and what a difference there is between good and bad pizza. After that, Stefanie talks about a new Netflix documentary series she's watching called The Program. Lynette and Stef finish off the show with a little Love is Blind talk.   And thanks for supporting today's sponsors: Get 20% OFF @honeylove by going to honeylove.com/FCOL #honeylovepodQuince.com/FCOL Follow us on all social media channels @FCOLpodcastWatch guest episodes on Youtube: Youtube.com/@FCOLpodcastJoin our Patreon page for an additional episode every week: Patreon.com/FCO

In this episode, I chat with Sam Peck and Liane Pelissier from Family Councils Ontario (FCO) You'll hear how they define the role of a family council within long term, care, as well as some misconceptions about the role of family councils, from both the home and family perspective. You'll also hear how FCO is focused on helping homes rebuild the trust between families and staff, as we continue to recover from the last few years. You'll also hear some interesting perspectives on conflict and ways to work through the frustration and misunderstandings to achieve more collaboration and partnership. Whether you work in a home or at the corporate level, or are a family or a family council member, this conversation will give you insights and clarity around the power of partnership with your family council.Here are the bio's for this episode's guests:Sam Peck, Executive Director Family Councils OntarioSam (she/her) is passionate about helping people and groups achieve their goals. In her 15 years with Family Councils Ontario (formerly Family Councils' Program) she has supported thousands of family members and long-term care home staff to improve their work to achieve the best possible outcomes and meaningful impacts. In her role as Executive Director, she focuses on building and maintaining relationships with funders, stakeholders, and interconnected organizations to carry out activities that support FCO's mission & develop strategies that enable the organization to create positive change within the long-term care sector.Sam holds an Honours B.A. from York University. A dedicated lifelong learner, she also holds Advanced Client-Directed Case Management and Volunteer Management post-graduate certificates from Humber College, Project Management Certificate from the University of Toronto, a Masters Certificate in Adult Training and Development from the Schulich Executive Education Centre, and is currently working on a Voluntary Sector Management Certificate from Ryerson University.In her spare time, Sam is an avid athlete, reader, volunteer, and sci-fi fan. Fun fact: she has 3 cats!Liane Pelissier, Client Services Manager with Family Councils Ontario. Liane has been with FCO for 2 years. She is passionate about Making a Difference and helping others, but most particularly those living, working and family members in LTC. She has 19.5 years of experience of working in a LTC home as a Resident and Family Services Coordinator, helping support residents and families as they transitioned into LTC. Part of her role was being the Staff Liaison for the home's Family Council. Her years of experience helped her to develop great skills in communicating with and supporting families, residents, and staff in LTC. Liane holds a background in Social Work. She is also Pieces and U-first Trained. She is a certified Gentle Persuasive Approach Coach through Behavioural Specialist of Ontario. Through the years she has gained knowledge, experience and training in Palliative Care, Customer Service and Person Centered Care Approach. Throughout her career in LTC she has been involved in Strategic Planning, Goal Planning, Accreditation and Ministry Compliance. In her personal life, Liane loves to spend time with her family creating memories.You can find Family Councils Ontario at www.fco.ngoYou can reach Sam at speck@fgo.ngo and Liane at Liane.Pelissier@fco.ngoYou can find out more about me and the work I do at DeborahBakti.com or email me at Deborah@DeborahBakti.com. I'd love to hear from you.

durée : 00:01:45 - "Laissez les passer !" - Réécoutez le si j'osais de ce vendredi où il est questions des agriculteurs en colère, de blocages d'autoroutes et de la Section Paloise, du Stadoceste Tarbais, du Stade Bagnérais, du FCO et du Pau FC

In conversation with Andrew Whitley, Balfour Project Chair.  From 2010 to November 2018 Charles Bird, OBE, was a Teaching Fellow at the Centre for the Study of Terrorism and Political Violence (CSTPV), University of St Andrews, Scotland, UK, and was Course Tutor for the Certificate and Advanced Certificate in Terrorism Studies. Between 1986 and 2010 he was a member of HM Diplomatic Service, specialising in the Middle East, conflict, post-conflict, terrorism and counter-terrorism issues. Postings included to the UAE (1988–92) with involvement in Desert Storm, Belgrade (1992–93) during the war in former Yugoslavia, Macedonia (1999) for the Kosovo crisis, Greece and Nigeria. During tours in the UK, his jobs included Deputy Head of Middle East Department, Head of South Asia Department, and leading the project that resulted in the formation of the interdepartmental (FCO, MoD, DfID) Stabilisation Unit, which co-ordinates the UK Government's post conflict reconstruction work in, amongst other places, Iraq and Afghanistan. In 2003 he was seconded back to the military and was on the staff of the General Officer Commanding Ist (UK) Armoured Division in Iraq, both during and for several months after the invasion. Between 2004–2008 he was on secondment to the MoD working on issues related to counter-terrorism.

this is a comedy ""podcast"" btw believe it or not. It is a joke, it is parody, it is satire. It is not serious; it is not meant to be taken seriously. I do not condone the physical harming or even light harassment of real estate agents in any way shape or form. Do not call, text, or email Jeffrey Doussan or Keller Williams of New Orleans. Do not write funny bad reviews on yelp or google or furnished finder. Do not send pipe bombs or bomb threats to his house or any of his listed properties. I mean it! If you do any of these things you will be banned from podcasts forever. Thank you enjoy the show. Looking at rentals is really fun cuz real estate agents and property managers are some of the most redacted and oblivious people you have to trust with your livelihood. Recently I had scheduled to see a place and the guy no showed, no contact I messaged and emailed him multiple times and 3 days later he texted "apologies out of town." He then proceeds to try to reschedule immediately for the next day at 11am I say can we do 2pm he says no we can't let's do Monday 2pm I say okay Monday 2pm he says great I say great and then he says actually we can do tomorrow Friday 2pm i say perfect cool then Friday at 11am he says you must think we're crazy but we're actually just short-handed can you do monday 2pm and then i showed up today Monday at 2pm and the guy is 10 minutes late, I text the guy and he said "oh Philip's not there?" Philip the minion shows up within 1 minute of me texting, Philip says haha it's good thing our office is right around the corner and he points to a building literally right behind the rental and gives me the dorkiest fcking smile and I want to drown Philip in a puddle. We go to open the door and he doesn't have the right keypad code. I stand around in the rain for about 5 minutes while he calls and texts people and then he's like oh we can just try the other side of the duplex and I asked if the other side is the same layout and price and furnishings and he said no so I said no and so we sat in the rain for another 5 minutes and he finally gets the code and we go in. It looks like the last tenant had just left, all the lights and tvs are on and trash cans full, poop splatters on the toilet and it smells like cat piss. Despite this, I message the property manager that I am interested and would like to move forward with my application and he likes my message and says nothing else. $1400/month. a few years ago, a property manager was stunned that I requested to inspect the house before signing a legal document that said we conducted an inspection and told me I was the first person to ever do so. He addressed me as "Gay bro" in a text and it was never acknowledged $1754/month 440 sq feet #italiano #realestateagent #propertymanagement When you were investing in real estate, I studied the blade. When you were having open houses, I mastered the blockchain. While you wasted your days at the bank in pursuit of equity, I cultivated inner strength. And now that the world is on fire and the barbarians are at the gate you have the audacity to come to me for rent.   It's free! Real estate! We're giving you land! It's free. We're giving you a house. It's real estate. Free. It's a free house for you, Jim. This is free real estate! You gotta bring furniture, but the house is free! Two bedrooms, no rugs. It's free! You unlock the door to your free house, we got you the real estate! It's a two bedroom house, its free, its got a pool in the back. I'm not carrying this around all day! It's for your house! Free real estate, I'll pee my pants. Jim, come get your damn land. It's a free house! Jim, I got real estate. Jim, does it get better than this? Jim! The house is free! Jim! The house is free! It's a free fucking house. It's free real estate!   Dis shitpost is conquered by Naily, along with Wacky Workbench, UmbraSnivy, whose ego will ensure this will stay near the top, Monster Jam: Urban Assault, Taco, because youtube is where the poop is, All character userboxes, Vsauce, people who wear band t-shirts thinking it's a brand, Palm Tree Panic Will Venable busting a move on top of the dougout with Mr. Met, the letters Q, A, K, H, P, and Y, Work That Sucker To Death by Xavier (ft. George Clinton and Bootsy Collins), George W. Bush, Jeb Bush, Crazy Hand, Ampullae of Lorenzini, my sword, my bow, and my axe, The Onion, Gregorio's Tightie Whities Company, Flipnote Hatena, The 1997 World Series, Jet fuel, someone who should have been the one to fill your dark soul with LIGH-GHT! That one annoying Mets fan who interfered with a live ball and gloated by waving his mitt at David Dahl, ʎɥdʎlƃnɹəɔ Cameradancer100 singing "Hit me baby one more time," George Carlin saves President Obama from bad Indie Mu sic, Lazytown, Mother 3, Quadrupedal Dolphins, The Miami Dolphins, Miami Heat, Miami Marlins, University of Miami's Basketball Team, 2001: A Space Odyssey, Space Jam, Guitar Hero Encore: Rocks the 80's, Samsung, Six Flags, Laffy Taffys, Donald Trump, Italian people who live in Japan and have the last name Baldelli, the italian knock off of baldis basics called baldellis basics, the real Baldi's Basics in Education and Learning, Supreme, LemonMouthTheCat, Flamer, "Don't You Evah" by Spoon, Carlos Guevara's Tweets that say "It's a good night" 90 percent of the time, the rest of Carlos Guevara's Tweets including the one where he got really really really mad because his food at Chili's was too cold or something (he even put a picture of his food with a caption saying "this angers me every time"), a runabout (She stole it! NO ONE WILL EVER KNOW!!!!!!!!!!!!) 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Invading bigs! 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Introduction Tom Fargione joined FEMA in 2009 and served as Team Leader (SES) for the National Incident Management Assistance Team Blue from 2017 until his retirement in April of 2023. Tom was responsible for ensuring the team had the capability and capacity to respond immediately and effectively to the worst disasters likely to befall the country. In this role, he regularly engaged with the FEMA response organization to develop and promulgate doctrine, policy, and procedures to support the Agency's mission to reduce suffering for all disaster survivors. Additionally, he is responsible for creating and maintaining a dialog with similar teams at the state and local level, and to participate in programs to continuously improve the Incident Management Team system at FEMA and elsewhere in the country as requested. Tom was previously the team's Operations Section Chief, charged with ensuring a synchronized, integrated, strategic, and tactical approach to federal response in support of survivor needs. Similar to this previous position, as Team Leader, Tom worked with other federal agencies and regional partners to assure operational integration and coordination through planning, training and exercise. Experienced in responding to incidents and threats throughout diverse geographic, cultural, and demographic areas – from NYC to the Pacific and Caribbean U.S. territories and commonwealths – Tom has worked several benchmark disasters while, including the 9/11 World Trade Center response, Hurricane Sandy, and the historic 2004 and 2017 hurricane seasons. During the 2017 Hurricane season, Tom managed the response for assigned states and territories during the 2017 hurricane season and served as the Operations Section Chief for Hurricane Sandy in New York. Mr. Fargione has supported FEMA disaster response in numerous key leadership positions including: Federal Coordinating Officer; Deputy Federal Coordinating Officer (FCO) for Response; Assistant FCO charged with overseeing and directing the Operations and Planning functions; Operations Section Chief; and Assistant Operations Chief for Planning (Planning Ops). Tom also spent six months as the Acting Regional Administrator for FEMA Region II (NY, NJ, PR, USVI) during the height of the COVID epidemic, and was the FCO for all 4 states. Tom has commanded significant numbers of responders (20,00+) utilizing the concepts of Unified Command and Unified Effort across a wide range of incidents including: wildfires; large vessel capsize; missing person searches; human and animal disease identification/control; landslides; dam failure; severe flooding; snow emergencies; bridge failure; hurricane relief; mass fatality incidents, and major police tactical operations. Before joining the National IMAT, Tom was the FEMA Region II IMAT Team Leader, where he was responsible for overseeing the development and maintenance of IMAT capability and capacity for the Region, including the development of deployment strategies that balanced response needs against the requirements for running the Regional Response Coordination Center. Tom has also participated as a subject matter expert on working groups charged with developing doctrinal manuals for the FEMA Qualification System, Incident Response and Incident Action Plans. In addition to his federal service, Tom has worked in various capacities as an emergency manager and first responder at both the state and local levels. Tom joined FEMA after serving as Deputy Director for Response for the New York State Office of Emergency Management and Incident Commander for New York State's Type 2 (All-hazard) Incident Management Team. Prior to his state and federal emergency management career, Tom served as a Police Officer for 31 years, spending 18 years in Special Investigations and 10 years in Critical Incident Management. Contact Information https://www.linkedin.com/in/tom-fargione-40a3a01b/

Ponemos voz, de nuevo, al más reciente artículo del camarada Marat @marat_jean27321 https://marat-asaltarloscielos.blogspot.com/2023/07/el-23j-y-los-sociopatas-que-votaran.html?m=1 Locución, edición y postproducción Jose M Corrales. Nota. Nos hemos saltado los primeros párrafos del artículo donde Marat recuerda al célebre ilustrador, dibujante, Fco. Ibañez, recientemente fallecido. t.me/EnfoqueCritico (https://t.me/EnfoqueCritico) debateafondo@gmail.com @EnfoqueCritico_ facebook.com/DebateAFondo facebook.com/josemanuel.corrales.750/ https://www.youtube.com/@EnfoqueCritico Instagram enfoquecritico Mastodon @EnfoqueCritico@masto.es

Gaúcha Hoje - Gaúcha Serra - Vanessa Spindler - Setur - São-Fco-de-Paula - RS - 12/07/2023 by Rádio Gaúcha

Today we're going to introduce a game changer in the dental practice management software world...‍‍This is an innovative, all-in-one, cloud-based practice management software, and it offers an array of powerful features that are custom built for dentists by dentists ready to revolutionize the way you work. ‍If you are a start-up and decide to sign up with Oryx, they will NOT charge you a single dime, until you reached 200 active patients!⁠⁠They are partnering up with all startup practice owners and making sure you succeed, fast!⁠⁠ Click this link to schedule a FREE personalized demo and to see more on their exclusive deal!⁠‍‍‍Guest: Jay LetwatBusiness Name: SunbitCheck out Jay's Media:Website: https://sunbit.com/Email: jay@sunbit.com‍‍Other Mentions and Links:FicoBeyoncéT-MobileBurger KingCheesecake FactoryStarbucksVantageExperianiPadGimbelsTargetCare CreditLending ClubTerminatorEBITDA - earnings before interest, taxes, depreciation and amortizationFlip the Script - Oren Klaff‍Host: Michael Arias‍Website: The Dental Marketer Join my newsletter: https://thedentalmarketer.lpages.co/newsletter/‍Join this podcast's Facebook Group: The Dental Marketer Society‍‍My Key Takeaways:Expensive treatment plans can build a wall of resistance in a patient's mind. Be sure to address these fears, and provide customizable options for financing.Sunbit approves approximately 85% of patients who need care for financing options. That's more than double the average!Nobody budgets for a $3,000 dental procedure out of the blue. Be sure to stress that patients don't have to pay all of this at once!The credit approval system in the US has largely been untouched since the 60's. It is about time to update the process and allow more accessibility.The patients that are scared away by price will mostly likely never return. Having great finance options will help them feel safe and included!‍Please don't forget to share with us on Instagram when you are listening to the podcast AND if you are really wanting to show us love, then please leave a 5 star review on iTunes! [Click here to leave a review on iTunes]‍p.s. Some links are affiliate links, which means that if you choose to make a purchase, I will earn a commission. This commission comes at no additional cost to you. Please understand that we have experience with these products/ company, and I recommend them because they are helpful and useful, not because of the small commissions we make if you decide to buy something. Please do not spend any money unless you feel you need them or that they will help you with your goals.‍Episode Transcript (Auto-Generated - Please Excuse Errors)Michael: All right. It's time to talk with our featured guest, Jay Lewa. Jay, how's it going? Jay: Everything is great, Michael, how are you? Michael: I'm doing pretty good, man. I'm doing pretty good. I appreciate you coming on. If you don't mind me asking. I know, I know. But like for our listeners, where are you located?Jay: Based in, uh, Los Angeles. Based in Los Angeles. Yeah, that's where our headquarters are at. Michael: How are you liking this Jay: rain? It's kind of new to me, to be honest with you. I've, I've only been in LA for five, six years. Um, so it's new in the sense of la but like, I'm originally from the Midwest in Chicago, so it rains and snows and could snow in, you know, August could rain in, you know, March.So we used to kind of the four seasons here, people start to panic a little bit when the rain comes or when it gets cold. It's kind of funny, but, uh, but it's nice, it's fun. Yeah. Michael: Yeah, we do. Yeah, we, that happens a lot all the time, but Awesome man. Okay, so then tell us a little bit about your past, present.How'd you get to where you are today? Jay: Sure. So I've got about 20 years of experience, um, mainly on the technology disruption side. So I did a lot of consulting early on in my career. A lot of performance improvement, compliance work as well. Uh, then kind of moved along into the technology space and, and where I really have spent my time is in a lot of, um, startups or growing, uh, technology companies that have kind of passed the startup phase in which they have a unique technology and they need the ability to market that technology to the masses and, and typically, It's a company that, is really changing the game.It's really, really disruptive. So what I love to do and what I'm doing now at Sunbelt is we're taking a disruptive technology in the pay over time space. And what we're trying to do and what we're doing it successfully is gaining significant market share in many different vertical markets, including the one that I manage, which is, uh, the dental patient financing space.Michael: Okay, so break it down to me Sun Bit. I'm under the impression Sun Bit is a bank Jay: or no? No, we are, we are a technology company. So we have the, uh, technology that allows or enables folks to get approved at a very high level. the technology enables us to approve about 85% of all people that apply for financing.And, and if, I'm not sure how familiar or not you are with specific financing, but usually that number is in the 40% range, 35, 40% range. Particularly now in a, in a. Recessionary sort of environment, inflationary environment, it typically tops off at 30, 35%. We're more than double that. And a lot of it is really because of the technology that we use, a lot of ai, a lot of machine learning.Cuz at the end of the day, what we're really doing, it's basically a math problem, right? Because you go to a bank, when you're a small business, let's say, and you go for a loan, Most people get rejected for a loan, for, for many reasons, may maybe their, their overall credit isn't good. They haven't been in business that long because the bank doesn't wanna take a risk on you, right?Banks don't like taking risks. what we do is we're able, using our technology to provide folks all throughout the credit spectrum, you know, not so great credit. Mid-level credit, very high end credit. We're able to get all those folks the patient financing they need when they walk into that doctor office.And so we allow through the technology, more people to say yes to treatment. And that's ultimately what we're doing. We use, we have, uh, banks, that kind of administer the loans, but at the core, our focus is on the technology. Because it's really a technology problem, like, the ability to have someone who is, you know, a good person, but they may have subprime credit, Historically, those folks don't get credit, right? You go to to Target or Walmart or Nordstrom's or wherever. If you're subprime, you're not getting a credit card. When they ask you if you'd like to, you know, get a red card or get a Nordstrom card, right? What we're saying and what we're doing is we're enabling folks both at the low end of, of FCO and at the very high end, full spectrum.They can get the credit they need on the dental space as well as other verticals that we work with. And we're comfortable that we're going to get repaid and we do it in a fair and transparent way and cost effective for the patient or the customer. And you can only really do that. With like mathematical formulas, algorithms, ai, et cetera.This isn't, uh, you can't do it via spreadsheet like, like the banks do, and like some older, uh, patient financing companies that have been around for 30 years. Gotcha. Michael: Okay. So I know you wanted to show something, right? Like a demo? Sure. Real quick. Sure. Of course. Sure. The demo is for what? Like for the patient doing Jay: it?Right. So what we do, maybe I can explain it a little bit. So mm-hmm. What we do is we do point of sale financing. So let's say you, um, haven't been to the dentist in a few years. You go to the dentist, they give you a comprehensive oral exam, they say, Michael, thanks for coming in. Appreciate it. Here's a list of seven things our doctor, uh, the dentist thinks you need to get done.Right. And those seven things have. Each, you know, a treatment and a cost, right? And at the end it's like, let's say $4,000. And they say, well Michael, how would you like to pay for the $4,000? And you're like, holy cow, I didn't budget for that. I don't have $4,000 in my pocket. Cuz it doesn't matter whether you have great credit you, you make a lot of money in your job or you don't.No one budgets. For unexpected medical expenses, like you can't go on your personal Quicken and, and, and say, okay, 2024, I'm gonna budget $3,000 for dental. Doesn't work that way. So what happens is that patient generally either says no to the treatment that they need, or they do kind of like a partial kind of, you know, French menu sort of thing where they say, okay, I'm gonna grab maybe the cavities here.You know, I'll, I'll take this $500 treatment here. But the other $3,000 doesn't really hurt me so much today, so I'm gonna go home and then when it really hurts me, maybe I'll come back. Right. And that's dentistry for the last 50 years, What they call case acceptance. So the ability of, let's say you, you have those seven things and it costs $4,000 and let's say you're only able Michael to, um, pay for 400 of that.Well, your case acceptance is basically 10%, right? $400. Divided by the 4,000 that you should have, uh, that you was prescribed to you, right? Which is terrible, which means 90% of your needs are not met, right? Mm-hmm. And you're walking out the door and probably never coming back. So that's kind of historic dental.So what we do is the patient comes in, they get qualified very quickly, and we approve nearly nine out of 10 folks. Without doing any kind of hard credit check, we do a soft credit check and the process is very simple, very clean. we like to think that it's like an un refinancing sort of transaction.It's almost like buying a coffee at a Starbucks drive-through. We want the experience to be not the same experience you get at a bank or from some old time patient finance company that, you know, maybe may still do it on, on pen and paper. Okay? Mm-hmm. So, That's kind of the preface of, of what we do. and I can, I can show you the kind of the process, how it works, because it's very, very different than anything you've seen or folks in the dental market for the past 20, 30 years.They've generally never seen it, and they usually have a very positive reaction to it. Like, you know, where have you been all my life? And can we talk and, and, you know, use this at your, at your practice. Yeah. Michael: Could we see it? Could we see how it Absolutely. How it works and stuff. And so absolutely. For absolutely.Sure. Sure. Our listeners listening right now, if you want to go on the show notes below, you can watch the video version of it and we can see it right now. Sure. Jay: so right on my screen, you see iPad. Okay. And that's the iPad I have in my hand right now. Okay.So we provide this iPad. To every dental office, and it could be more than one iPad, just depends on how many people, what kind of patient flow you have. So the first thing the, office team does is they will select their name. Okay? So again, this is a demo. Michael, who do you wanna be today? Michael: Beyonce always.Jay: Excellent, excellent choice. Who? Who doesn't wanna be Beyonce after all? Come on. Yeah, you click on Beyonce, then you click scan card, then we take the driver's license. Right? And it doesn't matter which state it works in all states. On the back is a barcode, right? So you take that barcode and what I do is I just scan that baby right there automatically.What happens is, and again this is in real time, I'm not, you know, slowing it down, speeding it up, takes my home information. Patient types in their phone number and email. They continue and then you simply ask the patient, Hey patient, is this your updated info? They usually say yes. You click copy to form the patients a agrees to check their options. And just like that you've been approved for $6,100. This is the approval process. Wow. That's it. We're done. Okay? Mm-hmm. So now there's a ton of things that happen in the background, right? But that's invisible to the practice, invisible to the patient, right? And again, this kind of goes into how we're a technology and data company.So a couple things here. One, you were approved for 6,100, we're approving every single patient. With a FCO score of 500 or greater. So when you, when if in terms of F ICOs, 500 is a very, very low F ico, right? Mm-hmm. But we're able to approve them because of our unique and flexible model. If you approve from 500, it equates to typically 85 to 87% of all patients that apply. So going back to the dentist example, the the office example, you know that. Eight and a half outta 10 people that walk in the office have the ability to get qualified for finance and can get the treatment they need.So that case acceptance number I gave you before, whether it's 10, 20, 30, or 40%, it shoots up dramatically so they can actually walk out being happy because they're, you know, dental problems are solved. Okay. So the first thing, high approval, second thing, we never do a hard credit check. So in the us, typically when you are.you know, when I signed up for T-Mobile mm-hmm. They do a hard credit check, which impacts your credit. It's not fun. Right. We do a soft inquiry to get to this point. So all we do is, get basic information. It doesn't impact your credit score whatsoever, but the kicker is, even if you decide to move forward with the loan, we still do not do a hard credit check.So it has no impact. Your credit has no impact. If you apply or take the loan initially, which is again, very, very unique. And again, it kind of is because of our kind of technology backbone. And the last thing is we approve up to $20,000. So I'll just show you one more screen. Mm-hmm. So let's say for instance, your treatment plan is 2100 bucks.So you click 2100. And then what we have here is basically. A menu of options like, you know, burger King, have it your way. Other, partners of our, of ours call it the Cheesecake Factory Menu of options here, we usually have three to six options here, right? We highlight the one that's the most affordable.So, hey, patient, you don't have to pay $2,100 today. Again, sigh of relief, right? You can pay 48 months, 48 to over 48 months, 56 bucks. In this particular case, it's a dollar down payment. Again, eight APRs vary. It could be 0%, um, or higher. In this particular case, let's say it's 12.99, you see everything very clearly delineated.There's no tricks, there's no penalties. Uh, we don't do any kind of deferred interest. If you're familiar with that, maybe the patient wants 0%. We have 0% options too. And so the idea is, and they just kind of select what they want. They kind of go through, the process. Make sense. Go the z Michael: go to the zero present one real quick.Sure, no problem. Okay. Okay. Gotcha, gotcha, gotcha. So it, it all changes throughout the, you're not set with the percentage then? Jay: Correct. So the, the idea is, The patient gets to choose what's best for them, right? We don't wanna make a judgment call, right? We don't wanna be judgmental, period in life, right?We don't know what shoes the other person's sitting in, but particularly the dental office. I mean, you don't know whether somehow someone is dressed and, and we shouldn't be making that. Let's let the patient decide maybe they're comfortable with 121 bucks a month. But maybe they're not. Maybe $56 is more comfortable for them.We let them decide, and that's kind of the power of the solution. There's again, three to six unique offers that they're getting, and they choose what's best for them. That's kind of part of the secret. If you give a product that's customizable to the individual, They're gonna like it more, and oh, by the way, they're going to pay us back at a higher rate, right?Which lowers the defaults, which again allows us to loan to more people. here's something like I learned early on. So payday loans, right? Terrible, horrible, predatory, four, 500% terrible. Mm-hmm. Well, why? Why are they four or 500% It's not because the money costs four or 500%, right? I mean, you can get a loan from a bank now even with high interest rates.12%, 13%, right? But the reason is because maybe five out of 10 people don't pay it back. So the five that do pay it back are paying for the five that don't pay it back. So that's why the interest rate is high. But if you can create a product that's customizable down to the individual you have a greater amount of people that pay you back.It's kind of like a self-fulfilling thing. You can continue to loan to more and more people so that your approval rates continue to be higher and higher and higher and satisfy more patients. And that's been kind of our goal from day one. We want people to pay back. So we, have developed unique offers for every individual.Michael: Mm-hmm. Can they customize also the down payment due at Jay: checkout? Yeah. Yeah. So they can, for instance, you can, um, Let's look at here. Let's say they wanna lower the $56 a month. Let's say it's still too high. Mm-hmm. You would just go click here and say, okay, I wanna pay 500. What? What? I just wanna make sure remember the 56 30?Mm-hmm. So let's say they wanna make a $500 down payment, right? Because they wanna lower the monthly payments. You click update and then magically what happens? It's $42 a month. So totally customizable, and a lot of people do that, and we want them to do what's most comfortable for 'em. I don't wanna dictate what's best for them.I, I don't know what they want, but they know what they want. So let's give them the option. when you go to the Starbucks drive-through, do they tell you what coffee to get? No. You know, you can get 10 different variety, 20 different, uh, variations of a macchiato. That's why they're successful.Michael: Yeah. Interesting. Jay. Okay. so a couple questions I have when it comes to the technology, because you said this is new, right? Disruptive technology, nobody's doing it in the industry or, no, I mean, Jay: every, their, their patient financing has been around.For 25 years. but historically, even today, it's very much FICO driven. So if your FCO is 6 81, you get the credit you need. If it's 6 79, you get decline. It's like a straight number. Right? And there's companies that provide those numbers. There's. You know, uh, vantage, and there's various, you know, uh, Experian, TransUnion, et cetera, to provide the number.So most of the companies historically just do that. And there's not really any technology there, right? That's mainly how banks are like old school patient financing companies that have been around since like 1990. That's what they do. But, but think about this example. let's take you and I, today.Our FCO scores are six 50, right? Both of us, like it looks like we're the same, right? But what if a year ago, yours was 600 and mine was 700, Who's the greater risk? We're not the same. Six 50 is not the same. You're a much better risk than I am because you're on your way up, you're trending. And I'm on my way down.So our offers might be a bit different and they should be a bit different. We can't be treated the same. So we look at thousands of data points. It all basically, and we're not getting any kind of secret information. This is, we're doing a soft data inquiry, right? So we're getting kind of condensed data.and then we take that data and we use it to model basically we measure it against our, our AI model. And then it spits out the information. Okay, approve, not approve. If we're gonna approve them, how much are we gonna approve them for? What's the a p r? you know, then again, what's the e fee, if there's a down payment, et cetera.So it's that uniqueness that enables us to up with an offer that could be very different than someone else. So typically, a lot of the folks that we're approving people aren't touching with a 10 foot pole. Why? Because historically, if you're measuring things by fico, it's just not real accurate for installment loans of 18 months or 24 months.Mm-hmm. So we have confidence that we're gonna get paid back. And in terms of our, you know, numbers, people do pay us back, at great rates. So that's, I think, the difference. It's. Everyone is a bit different in the world. every American is different. When they apply for credit, they're different. And you have to have a product that takes that into consideration.We're not like just a score, right? We're, we're made up of, of thousands of different, you know, uniqueness characteristics, whether you're, I'm not talking about finance, but just in general, we're all different. Mm-hmm. So you need to have kind of a scoring system, a mathematical model that takes that into, into consideration.Michael: now when it comes to, when it comes to this, I know you mentioned soft data, our data pools mm-hmm. And what's behind the soft Jay: data pool? So basically how it works is.These credit agencies basically charge money, right? To companies that would like to pull your data. Of course, it's with your authorization. So I, I don't know if you remember on, on the iPad there's clear authorization that says you, you know, agree to having your, uh, credit soft pulled. So basically it's like a condensed credit file.Mm-hmm. Okay. So, If you get that condensed credit file, that soft inquiry, it doesn't have any impact on your credit score, If you get a hard credit check, which by the way, nearly all the patient finance companies use, why do they use it? Because it has much more granular data, And they basically take the granular data, they feed it into their kind of limited model and, and they say approve or not.Our technology takes the condensed, takes the more limited data, and then we feed it into our proprietary model, and it gets us to an answer that's satisfactory such that we don't need the hard credit check. And oh, by the way, hard credit checks are terrible. Like, like if you're, you know, if you're buying a house or an apartment.it hurts you, it's questionable in terms of how much and and how long it's, it hurts you on in terms of your report. Mm-hmm. But it clearly hurts your credit for a period of time. So we avoid that. We avoid the friction in the office staff because of that. And again, they're regular people, just like the folks that are walking in.They don't wanna offer a product or service that's going to hurt their patients. Right. That's just not human nature. So it reduces the friction. So when they use, um, you know, when they're working with us, you know, some that working with, you know, with the iPad, they can be comfortable that it's only a soft inquiry.And so that helps us get a lot more utilization than, than the company that they used before. You know, we got to their office. Yeah. Does that makes sense? Michael: Yeah, that makes a lot of sense. I know a lot of the times like. When, I remember when I was trying to build up my credit, like it was in the 600 s and I'm like, oh man, I, any little thing, hard inquiry.Oh yeah, you get outta there, right? Like, I didn't want that Jay: terrible Yeah. Kind of thing. Yeah. Like, I'm, I'm like, I'm like paranoid. Like I, I have, you know, um, those free credit services and I look on the report because you, you wanna check it like you, you, or if you're in the process of buying a house or whatever, or a car, you, you don't want your hard credit check.But even if you're not, like in general, there's really no reason like, When I, I was telling a story when I got to, when I moved to LA and I went to the T-Mobile store, they took down my information and before they even asked me what package I wanted, they were like, oh, we need your social security number cuz we need to do a hard credit check.And I'm like, why? Why do you do a hard credit check when you don't even know what, what I want? Like what if I want prepaid? Mm-hmm. Like, I'm gonna, I would maybe pay you the cash. Now, that's not what I wanted, but they're like, no, we have to do a hard check. It's like, no, well you really don't. Just that they don't have the technology in place to kind of determine the credit worthiness of that customer.And we do. So that's why, it's a soft inquiry and we're, I believe, the only company that does it throughout in terms of the app, the, uh, approval process. And then when they actually take the loan. Still, no, our credit check. Wow. Michael: Okay. So I never thought about that, Jay. I always thought it was like a people problem instead of a technology problem when it came to like being approved.Jay: It's not, it's, it's, it's, I'll tell you, it's like a co it's a complex math problem, right? It's like this guy who has a six 10 fico, let's say has a job she has a job, they have money in their checking account, But based on historical, credit worthiness standards, They are not getting any credit card whatsoever, right?Because it's been told by them that it's not happening. But we look at it very differently. Like if it's a $2,000 installment loan and it's over 24 months, the question is, does this person have a hundred dollars? And they're checking account every month cuz we're pulling out of their checking account.And the answer is generally yes, but it goes against. All the kind of the credit, decisioning that's been going on since like 1950. I mean, I brought something here, which kind of cool. So you're, you're from the West coast. This is a credit card application. There's a store called Gimbals based in, I believe, Philadelphia.Open in 1880, close in like 1987. This is actually, we kind of see it here. This is actually a credit card application from 1967. Pristine condition. Okay. Yeah. So what's interesting about it is if you look at the question that's kind of small, prince, I'll read, if you look at the questions, the same questions of what's your income, do you rent versus own?Are you married versus single? this is 1967. So what have credit card companies and patient financing companies done? All they've done, this is the same 1967 application. They've just digitized it. They're asking the same questions. I guarantee you, if you go to an office that has another patient financing solution or you go to Target or you go somewhere else, they're going to ask you married versus single.What's your income rent versus zone? These are questions literally 60 years old, and they're still asking, this is basically what you see today is digitized. So it's, there's like a lack of innovation that has taken place that actually hasn't taken place, right? And, and specifically patient financing in 30 years.Literally nothing. Literally nothing. And so what we're doing is we're focusing on the technology and solving the math problem. And helping a heck of a lot more people get approved and get the dentistry they need. And that's why we're growing so rapidly. Gotcha. Michael: So then I like that part where you light bulb, I mean like it, it opened my eyes.It's true. It, we just put it on a computer and now we're kind of like presenting people and we don't really see the need to change until you kind of showed us the demo. I have a question. True. When it comes to the risk on this, let's just say, okay, six 10, right, credit score, I'm gonna pay you back. And then we do the sun bit thing and then we're like, okay, boom, I'm gonna pay 58 something.He pays the first one, then he kind of skips on the second one, third one, oh no, it's starting to go down, right? It doesn't look good. Who runs the The risk there? Jay: So. we do non-recourse loans, which means we take full risk. let's say you're, you're, you're at the dental office and you do a, a $2,000, uh, transaction for, I dunno, bridge, crown, et cetera.Two days later, we send those funds to the office, then we sit back and we wait for the patient to pay Huss if they don't pay for whatever reason. That's my mistake. You guys are sitting on the money within two business days and we will never claw back those funds. So we, we are taking the risk.And as you can imagine, that being said, you know, we have a very heavy duty data analytics, you know, risk fraud, et cetera, group that manages this risk. And obviously there's a lot of, Techniques that we use in the process to kind of minimize this. But we also have a huge collection group. So we have a customer, uh, care center, 160 people in Las Vegas.Our employees, we manage it top to bottom and we call it like collections with kindness. So it's really, really important for us. To maintain those relationships because we have al also customers that are fixing their cars, uh, getting a new set of tires, new batteries, and those same cu customers are our dental customers as well.So there's a lot of, cross vertical, uh, customers. We have even more when you think about it. Remember, we're not, we're not financing powerboats, right? It's not like someone goes and says, I'm gonna buy a $30,000 powerboat and then I'm not gonna pay it. Right? These payments on average could be 70, 80, 90, a hundred bucks a month.So generally when that's the case, plus the process is good. It's very clear they, you know, we only work with, you know, great partners. they may be late by a day or two, so we'll call them up and say, Hey, what's going on Very nicely. And generally no one wants to ruin their credit for 70, 80, 90 bucks.Mm-hmm. A month. Now, if it's a $30,000 power boat, That's kind of a different calculus, right? You may want to say, I want the powerboat and I don't wanna pay for it. Right? And it kind says okay, kind of. I understand kind of the logic there. I don't agree with it, but I understand it. But in dentistry and auto and the other verticals we're in, typically it's, it's high frequency, lower dollar, monthly payments, and generally people are paying them uhhuh.Michael: That makes a lot of sense. So then, Into practice. Let's just say somebody's listening and they're like, oh, cool. Sun bit. Right? I'm gonna check 'em out. I'm gonna try it. But they already have like Care, credit, lending Club, Verity, right? All these other ones. Is this just another add-on? Like do we just add it on?Or what do you recommend? Do we take others? Would it even make sense to have other ones on anymore? Cause we have some bit. Jay: Yeah. It wouldn't because we, we like to say we are the waterfall because we're approving folks from 500. So every single patient that has a 500 FICO and higher. We're approving. So again, it's 85 to 87% generally.So that's higher than all those solutions combined. Right. Even if you kind of stack 'em up. Mm-hmm. Um, so when we go to an office, we believe, and I think it's been proven by, you know, we've got 9,000, uh, locations in dentistry that we believe we have the best. Financing product out there for patients, bar none.the process is better. The approvals are better. So if an office has multiple products, well, here's a question. I mean, if they have multiple products, why do they have multiple products? Right? It's like, it's the old saying, like, if you have two quarterbacks, you have no quarterbacks, right? They have, they have four products.Cause they had one, right? And then they had two didn't work, then they had three. It didn't work and they had four. They use us and generally they eliminate everything. that they typically use in the results are better because we're eliminating a lot of friction. The office staff loves the tool we have.we have a appreciation program for the offices as well. We have a Sun Beast program, which, you know, they can get, you know, uh, for just doing the regular course of their work. They can get, you know, gift cards, et cetera. Uh, we also do some fun stuff as well, but in, in general, we are the primary financing provider of all the offices that we're in.Michael: Gotcha. Sun Beast is the appreciation program. Correct, correct. Oh, okay. And that's with like the Jay: practices? Correct. So we have, right. So if you think about it, you know, we're, we, we've got right now 40, I, I wanna say 50,000 sun beasts because we have an application and, and then when we train an office, they download the application and then we, you know, send them cool things like they're just different promotions and things like that.They can learn that we have like a, you know, a sun bit tip of the week, things like that. We want to. Train appropriately so that the office team members are really, really comfortable. We also wanna make it fun. Like we don't wanna be, you know, the boring finance company. Like we wanna be the guys that are helping people doing it the right way, not charging any crazy fees or anything like that.We don't do any kind of, you know, deferred interest. we think we can be the good guys, be profitable, and, Help a lot of patients get the treatment that they need. Gotcha. Michael: What are the, what are Jay: the fees? So the fees in, in general, they're risk based. I won't go over like in detail, but in general, the fees are pretty much the same, very, very similar on a blended basis as what they're paying today.The difference is they're gonna get double the amount of approvals and. They're gonna have more people apply. So it's very common that they see our practices and our groups and our DSOs. We've got, you know, large groups, mid-size groups, single location groups. Um, it's very common that we see three x four x, five x, the amount of production with Sun Bit.Then whatever they're using today, because again, it's so easy in the high approvals, but the cost is basically about the same as what they're paying today. Michael: Gotcha. Yeah. And I noticed like it's never, that's never really the issue when it comes to like, uh, presenting or when it comes to accepting this, right?Like let's just say, yeah, I'll take some bit, right? Or I'll take another third party. What's the issue is more like the patient's accepting it, right? And the one barrier is like, oh my gosh, you're not approved. You can't, even if you wanted to accept that, you can't. Right. So that's a barrier lifted with some bit, both.In your experience, what's the best way we could present this to a patient? Jay: It's a great, that's a great question. That's a great question. It's something that we, we talk about quite a bit in our training. So what we like to say is, Have the iPad, do the talking, right?Show them the product, say, hey, you know, when you go through the treatment plan, you know, you do the comprehensive oral exam, you do the treatment plan, you're sitting down with the tc and the TC generally says, or the office manager says, Hey, You know, it's $2,500, but you don't have to pay everything today.Let me get you qualified. Takes 30 seconds. No hard credit check again. Cuz what happens is it's such a pressurized experience and it's happened to me too. Like even like prior, prior to Sunbelt, family member needed some significant dental work. It was like seven, $8,000. And you're like, you gasp. You're like, oh, man, that's like crazy, right?Mm-hmm. It's not cheap. It's, it's not getting cheaper. It's getting much more expensive. So what happens is the person goes with, you know, sits down with the tc, they hear that number. All of a sudden there's like a wall, right? There's a wall that's built. It's panic. You're, you don't know what to do on one hand, you need to get the work done.On the other hand, it's a crap load of money. And you're like, what do I do here? And you've stopped paying attention to whatever that other person is saying because all you're thinking about is the, the little thoughts in your head, like, how am I gonna pay for this, right? Mm-hmm. And again, it doesn't matter if you're making 300,000 a year, a hundred thousand a year, 50,000, it doesn't matter.It's a lot of money, right? No one budgets for this. So when the TC can put the patient at ease and say, Hey, I know this might be a, a large sum, but hey, you don't have to pay for everything Today. We have a patient financing solution that approves, 85, 80 7%, let me walk you through. It takes 30 seconds, no hard credit check.And then usually what happens is there's like a sigh of relief. The wall gets removed, there's a bit more openness, right? It's, it is very much like human psychology or, and it's, and that's what I've kind of, it's, it's very interesting and. The wall gets, uh, broken down and the patient is able to communicate clearly with the TC and the TC with the patient.And once they do, they show the demo or they show the the iPad. It's a very easy, simple, understandable process. And, and that's generally the best way to do it. just want to kind of let the iPad do the talking. Yeah, I like that. And present it. But you gotta, you gotta present it like it doesn't, we can't approve loans.If the iPad isn't presented right or if, yeah, you have to basically understand that hey, 40 to 50% of patients that walk in the door have less than a thousand dollars in their checking account, right? Mm-hmm. And if you wanna truly help patients, right? This is a huge impediment to case acceptance, right?Like money. So if you can help them, then help them with this. You can get them more treatment, which is I think, the goal of everyone that's working in the office. Including the, the Michael: dentist. Mm-hmm. Yeah. Yeah. It is the goal. I mean, but that's the thing we have to remember, like to present it right. Um, all the time to the patient.Yeah. But I like what you said, how, how it's human psychology. It's true. Even if get approved, cuz for example, let's just say you have the cash and you don't get approved. Sure. You, you're, you're in a negative flow now, right? You're like, of course. Of course. I didn't get approved. That's what I thought.You know what? I'll, I'll, let me talk, talk to my husband, my wife about it. You know what I mean? I'll get back to you, blah, blah, blah. But when you're approved and you're like, oh, I never get approved. I'm approved. Jay: Exactly. Wow. Look, Michael, I've seen people cry. Mm-hmm. Tears of joy when they get approved.I've seen it multiple times. I've gotten hugs before and like, it's, it's very weird. Like it's, it's, it's a beautiful thing, but it's very strange for it to happen because it's so infrequent. But you understand, We're not doing brain surgery here. Let me just put that out in front.But we are helping people with their oral health, which, which impacts the rest of their body, And if we can help people, Full spectrum of folks that normally can't get helped. It's amazing. And you're right there. There's two sets of what happens here. They get approved and they generally haven't gotten approved before.In some cases, they're super happy, but the alternative is in the past, when they get declined from other providers, they do not come back to the office. You know, it's like the Terminator when he says like, I'll be back. Yeah. He never comes back to the coffee shop at the end. And you remember he, he never comes back.Mm-hmm. Right. So it's, it's kind of a gr it's, it's really a gratifying thing that you wanna help these folks, and this is a great tool for case acceptance, you know, increasing the production of the office and helping patients get the treatment that they need. Michael: By any chance, Jay, do you have any like, stats on how this has improved, like any specific practices, you know what I mean?Of course. Jay: Yeah. I mean, we have, we have lots of case studies. I mean, we've, we've seen cases of, you know, ebitda, Significant ebitda, uh, improvements, significant production case acceptance. We've seen sometimes 30, 40%, uh, increases. significant. Um, because again, if you're offering something that approves nearly everyone, you're going to get great results, right?Because keep in mind, from the office perspective, if you offer and someone gets declined, just like the patient won't come back, the office staff. Won't offer it anymore. So that's what's typically happened. So there's, you know, there's, there, there, you know, a large competitor out there that's been around forever, but a lot of people don't use it because they have, been declined.You know, the office has declined folks, so they just stop offering it. But, so even though they've stopped offering it, that doesn't mean that the patients walking in the door don't have needs. Right. They of course have needs, you're just not offering it to them. Michael: Interesting, interesting. Okay, so Where can we reach out to you if we have any questions or concerns? Sure. Jay: So, um, the best way is, uh, sun.com, slash dental. can also email me. So I manage the dental practice at sun j y sun.com and happy to, help anyone that, whether it's, again, whether it's a single practice, you know, single practitioner, Multiunit group or large d s o we work with, um, all of them.again, we wanna help people. We wanna do it the right way. And, and really that's why we're, we're growing at the rate that, that we are. Michael: Nice. Awesome. So guys, that's all gonna be in the show notes below, so definitely reach out to Jay and Jay. Thank you for being with us.It's been a pleasure and we'll hear from you soon. Great. Thank you Jay: very much, Michael. Appreciate being on.‍‍

Keith Weinhold and Ken McElroy discuss the impact of rising mortgage rates on the commercial real estate market.  They talk about the foreclosure of a Houston real estate investment firm, and the need for syndicators to anticipate changes in interest rates and have capital reserves in place.  The speakers predict that high-rise commercial office buildings will be the first domino to fall in the commercial real estate market.  They also discuss the potential fallout from the expiration of commercial debt and the upcoming Limitless Expo event in Scottsdale, Arizona. Resources mentioned: Show Notes: www.GetRichEducation.com/452 Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Find cash-flowing Jacksonville property at: www.JWBrealestate.com/GRE Invest with Freedom Family Investments. You get paid first: Text ‘FAMILY' to 66866 Attend the Limitless event, June 15th-17th: LimitlessExpo.com $22M Office Building to Convert to Multifamily: https://www.loopnet.com/learn/deal-of-the-month-22m-office-teardown-makes-way-for-multifamily/2115617288/ Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  Top Properties & Providers: GREmarketplace.com Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Keith's personal Instagram: @keithweinhold   Complete transcript:   Keith Weinhold (00:00:02) - Welcome to GRE. I'm your host Keith Weinhold last year's spiking of the Fed funds rate caused banks to fail this year and last year's. Doubling of mortgage rates is causing commercial real estate to fail this year. Why is it happening? How bad is it with commercial real estate and how bad will it get? That's the topic of today's conversation with Ken McElroy on Get Rich Education.   Speaker 1 (00:00:27) - Taxes are your biggest expense. The best way to reduce your burden is real estate. Increase your income with amazing returns and reduce your taxable income with real estate write-offs. As an employee with a high salary, you are devastated by taxes. Lighten your tax burden. With real estate incentives. You can offset your income from a W2 job and from capital gains Freedom. Family Investments is the experience partner you've been looking for. The Real Estate Insider Fund is that vehicle, this fund investing real estate projects that make an impact. And you can join with as little as $50,000. Insiders get preferred returns of 10 to 12%. This means you get paid first. Insiders enjoy cash on a quarterly basis and the tax benefits are life changing. Join the Freedom Family and become a real estate insider. Start on your path to financial freedom through passive income. Text family to 6 6 8 66. This is not a solicitation and is for accredited investors only. Please text family to 6 6 8 66 for complete details.   Speaker 2 (00:01:36) - You are listening to the show that has created more financial freedom than nearly any show in the world. This is Get Rich Education.   Keith Weinhold (00:01:59) - Welcome to GRE from Montreal, Quebec to Monterey, California across North America and spanning 188 nations worldwide. I'm Keith Wein. Hold in your listening to Get Rich Education. Real estate investing is our major here. Minors are in both wealth mindset and the economics of real estate. That's what the matriculated graduates with here at G R E. You can think of an interest rate as how much it costs you to use money and to help you understand the preeminence of the cost of money. Let's you and I step back together for a second. If you go buy apples at the supermarket and Apple cost increase affects you. If you go buy a gallon of paint at Home Depot, a paint cost increase affects you. And if you go buy an acre of raw land, a land cost increase affects you. But rising interest rates mean that there was an increase in your money cost and you use money to buy those very apples paint or raw land.   Speaker 1 (00:03:04) - And now you begin to realize how interest rates touch and percolate into every single thing that you buy as a consumer or as an investor. And we know that interest rates are not currently high. Historically, yeah, you heard that right now that's not much consolation to those that are in trouble. But the Fed funds rate is about 5% and all year here the mortgage rate on an only occupied home has stayed between a range of six and 7%. Actually, mortgage rates are a little low. Their 50 year average is about seven and a half percent. Well, so then what's the problem? Well, the problem is not what are indeed historically normal rates. It's that rates rose so fast last year. You look at a graph and they climbed a wall. In fact, it's unprecedented, at least in you and i's lifetime to have them rise that fast. Just last year alone, mortgage rates spiked from 3% up to 7%. Economists estimate a 56% chance that they indeed are going to raise the Fed funds rate again. Yep. There is another meeting. Just next week, let's learn about commercial real estate deals blowing up with Ken McElroy.   Speaker 1 (00:04:28) - I'd like to welcome back longtime real estate investor influencer and multi-time bestselling real estate author and G R E podcast guest regular. Really? Hey, it's the return of Ken McElroy. How's it going Ken?   Speaker 3 (00:04:40) - Great Keith, how are you? It's good chief. Terrific. Great to see you in Arizona too recently.   Speaker 1 (00:04:45) - Yeah, that's right. We were just together in Arizona a few weeks ago, both there and everywhere across the United States, we know that residential loans are for the one to four unit space where those properties typically have long-term fixed interest rate debt, 15 to 30 years. The five plus unit department space is tied to commercial lending even though it's residential property and they often have variable rate debt for a shorter term. And commercial loans are where the trouble is in this world of higher mortgage rates. And a few months ago it made a lot of news in our world, Ken, that a Houston real estate investment firm that was at one time one of the city's largest landlords with $500 million worth of multifamily. They got foreclosed on and launched 3,200 apartments at the time. And one major reason were these floating interest rates that rose so much and rents couldn't keep up proportionately and more deals are going belly up like that. So Ken, tell us about what you are seeing out there now in regard to rising mortgage rates affecting the commercial lending market.   Speaker 3 (00:05:45) - Well, it's true. Obviously we all know that the Fed raise rates 10 times, so they were obviously fighting inflation. So if you bid around this business enough to know, know, you should have known that the Fed usually increases rates when inflation goes high. And so it is one of the tools that they use to kind of tampering 'em down inflation because that, no, the Fed is more concerned about inflation than interest rates because you obviously inflation affects everyone. So yeah, if you're in the real estate space, you might feel like you're being picked on. But the truth is, it's not surprising to anybody who's been around that they use this interest rate increases as a mechanism to lower inflation or the masses. So some of those mistakes that were made, I think it was Arbor, you have to go back to the experience of the syndicator. They elected not to buy interest rate caps and have other kinds of protections around those assets. And unfortunately, you know, some of those investors that invested in those assets, those were things that maybe weren't very clear to them. Uh, we're not exactly sure of all the details, but what's gonna happen next Keith, is we're going to start to see there's gonna be a big division of the experience versus the inexperience, I would guess   Speaker 1 (00:07:08) - A divergency, yes, of course that Fed has that dual mandate of full employment and stable prices since they're still doing pretty well on the employment. They want to get stable prices and the way to get a handle on that is to continue to raise rates. And when the Fed raise rates essentially from zero to five in just about a year, things are going to break. And we're talking about right now what is breaking first in the real estate space. And you mentioned a syndicator, when one buys an apartment building, oftentimes they get what's called a value add project, this renovation stage. And during that time they often have this variable interest rate debt. So often we are talking about apartment syndicators here, sponsors that put the deal together and what the syndicator essentially does is buy the apartment, renovate it, raise the rent, and then they cash it out to investors by either selling it or refinancing it at a higher value. And right here, these are the people that we're talking about that are in trouble due to their rates being jacked up.   Speaker 3 (00:08:07) - That's exactly right. I think you always have to anticipate a change in interest rates, whether they're up or they're down. And I think a lot of times people just always believe that they would stay as is. And I think that was obviously a flaw in their thinking and a flaw in their strategy. The other one of course is capital reserves. You know, cash, you have to have all these things in place. It looked to me from the article, the articles and the, and the different pictures and and things I've seen that they may have run into the problems on the management side as well. And you know, so there's a number of issues that I could see potentially that affected them. And I actually am hearing others kind of stories around this Keith as well. The first domino really to fall I think is gonna be some of these highrise commercial office buildings.   Speaker 3 (00:09:01) - That would be my guess because in a very different scenario where a lot of the folks that own those and maybe were in those, a lot of those tenants are deciding that they don't want their people to come back. Maybe they're doing a work from home model or the people that work for them decide that they don't wanna be back or whatever scenarios there are. There's definitely a lot of vacancies. I was looking today, you know, we're looking at pretty high uh, vacancies in la we're looking at very high vacancies in San Francisco, Portland, Seattle, New York. When I'm talking about high, I'm talking about unprecedented. We're talking about 30, 40% in many cases and in some cases even more so we know that if you have a vacancy that high, you're definitely not paying the debt. And so there's all kinds of these big landlords that are actually defaulting on their loans of those commercial office buildings.   Speaker 1 (00:10:01) - Now we're talking about vacancy in the office space there and we think really in our residential world, of course people think of you as a multi-family guy, but you also are in, you know, self stores in some other spaces. But we just think about the crux of the problem and how that's centered on residential. Maybe you can just talk to us, Ken, about exactly the details of the problem or maybe you have an example from a case study and just what that, that structure looks like for those in trouble.   Speaker 3 (00:10:29) - Why would I be concerned about it? Is, is probably a really good question. And the reason is is because don't forget, we all go to banks for stuff. So if it's an auto loan, a residential loan, a commercial loan or a business loan, it's still a financial institution and it's all connected even though we might only be going for one piece of that. And so as the commercial paper starts to default and starts to make its way into these large regional, smaller community banks, then what's going to happen is the underwriting criteria is going, they're gonna pull back because they don't care. They just know that they're taking water in the boat and they're in trouble. So, so that's why I look at it, you know, obviously, but you have to look at the real estate, the landscape completely, and you realize that, you know, while you might be just doing one piece of that, there are lot and these banks are connected out in the community in many, many, many ways, right?   Speaker 1 (00:11:30) - Yeah, that's it right there. Maybe people, some don't think about just a complete seizure and a reluctance to want to extend loans at all if they have enough on their books that are in trouble,   Speaker 3 (00:11:40) - Right? So that's why I'm looking at it from the multi-family standpoint as well, because we're already seeing underwriting criteria or in other words, banks are saying we're gonna give you less 50% loan to value, 55% loan to value. So why would that be? The reason is is that you know, they're looking at their, just like you would be and and all your personal assets that you have, stocks, bonds, gold real estate, whatever it is, business, each one is performing differently. A bank looks at it exactly the same way. So if something's happening over here that's negative, it's affecting over here and it's shining a light on the whole thing. And so we're already seeing a tougher underwriting. And what that means is that means that you're gonna have to come up with more money for down payments. And of course the banks are gonna be very cautious about any kind of lending if it's on a single family, if it's on a multi-family, if it's on a residential or retail or industrial or office buildings or self storage or whatever it might be. It we're all connected. And so that's what I think is gonna be hitting us is we're gonna be in a debt and a credit crisis here in the next 18 months.   Speaker 1 (00:12:54) - So there could be downward pressure on loan to value ratios, your bank wanting you to put more skin in the game so that they are less exposed and you are more exposed there. So we're talking about maybe new purchases oftentimes in that discussion. What about those that have a loan? Maybe the interest rate has gone higher, they want to refinance it. You know, a lot of times we talk about cash out refinances is something that we want to do when equity accumulates, but could this be an environment for cash in refinances with a lot of these commercial loans?   Speaker 3 (00:13:29) - Yeah, so we've done a couple cash in personally. Yeah. So what does that mean entirely? So what happens is, well let's say you had a load at three and now of course they're over five. Well our rate caps hit us at five, but we still don't forget, we went from three to five. So that little bit of piece was expensive for us even though we had a cap though, recap is simply just an insurance policy on the original purchase, that's all. So we're like okay, that cost us about 20 grand a month on this one property as an example,   Speaker 1 (00:13:59) - The rate cap below   Speaker 3 (00:14:00) - The rate cap below the rate cap purchase was less, but the three to 5% that increase in the mortgage payment was about 20,000 a month. Okay, so call it 250,000 for the year for one asset. So you're like, uh oh. I went from having great cash flow to having a lot less cash flow because my rate went out now it hit the cap. Well I was protected but it still went up 2%. So we started to take a look at what would it cost for us to fix this rate and it was uh, about a million bucks for a cash in. So we did it, we said let's do a million dollar cash in, fix the rate because I'm also afraid of future rate increases. So that $1 million that we put in to fix the rate at 5.2%, we know it's a four year payback or 250,000 times four is a four year payback.   Speaker 3 (00:14:52) - So it's a four year loan. But really what we're doing is we're hedging the entire time and of course we have that cashflow coming out each and every month. And the beauty of that E as you know, is what you do is you hedge the upside. You can always re refinance on the doubt. And all I was trying to do was protect that thing from when the recap expired, what's usually caps for two or three years, let's say. I didn't wanna be in a position where it was, you know, six or seven or something. So that's why we did it. We were just protecting against the future. And these are the kinds of things that you can do if you've been in the room before, you know what I mean? You, if you have the experience and and you see these kinds of things happening, you could take action to help yourself and help your investors. And that is clear that the arbor had not set up their loans that way. They had not set up their cash that way and they perhaps weren't looking at some of those things critically like that.   Speaker 1 (00:15:49) - Anna and I were each active real estate investors through the global financial crisis. So we know a crisis well, we see what each crisis is a little different when we talk about hedging ourselves against the crisis. Can you talk about rate caps, which is basically this insurance that one can buy to put a cap on how high their rates can go. If you go ahead and buy a property to 3% interest rate and you have a 2% rate cap, that means your cap cannot exceed 5%. So therefore if rates go up to 7%, you're kind of in the money.   Speaker 3 (00:16:19) - That's exactly right. And so it's clear to me that they didn't buy those cap, by the way, they're not the only one. There are others. And so if you shine the light on the multifamily industry, there's a fair amount of people that didn't do that either, not just them. And also there's other people that don't have the cash perhaps like the million dollars that we used to do a cash in. And so they're going out to their investors to try to preserve the asset. The crazy thing about it, as you know is we're still very under supply and on a housing stamp. Yeah, the fundamentals of the apartments are actually good though we're still seeing a a little bit moderate red growth and we're hitting theis and the occupancies are good. The apartment industry is not in any kind of crisis. The one thing that's changed is the cost of debt has got up a lot.   Speaker 1 (00:17:14) - Why don't we talk about that some more and just how bad is it going to get Ken, maybe through the perspective of just how much commercial debt is about to expire.   Speaker 3 (00:17:24) - If you google this, you'll see that there's about 1.4 trillion expiring by the end of 2024. So that's a lot . And so what has to happen is, Keith, let's say you all bought something. Well actually there's already examples. If you Google, there's an office tower that was appraised and valued at 250,000,002 years ago and it just traded at 70 as an example. Wow. So there's a big, big haircut there, right? So first of all, all the equity on that original deal gone wipe down and then the that 70, all that does is cover part of probably the debt. So some bank somewhere took it in the shorts, you know, on that deal. And so that is a good segue to say what happens is anything that was purchased, let's say in uh, call it one to three years ago, is subject to massive valuation change.   Speaker 3 (00:18:23) - And if they have a situation where they're trying to do a cash out refi and they're not going to be able to, if they have a situation where they're going to sell, they're not going to be able to because the value of that asset is probably 20 to 30% less than it was just two years ago. So what's going to happen is if they can wait, they might be able to wait it out. If rates go down like everybody's hoping it will, or cap rates go back down like everybody's hoping it will, then you're going to be fine. The issue is going to be the maturities and when they hit,   Speaker 1 (00:19:01) - There's a 20 to 30% loss in value as we know at a 75% loan to value loan. Yes, that is a complete wipe out of the equity. Ken, when we think this through, of course apartments have debt that someone is holding onto and apartments also have equity that someone else is holding onto and equity could be held by. It's not just investors in a syndication, it's also a pension fund or a family office. And if these go under, we have to think about those ramifications of course, but we think about equity that's held by LPs limited partners, which are those individuals that invest in a syndication. What do you think that LPs should do? What kind of situation are they in? I mean are syndicators communicating with their LPs and letting them know things like, hey, there just isn't gonna be a distribution this quarter and I don't know about next quarter either or, how's that communication been?   Speaker 3 (00:19:52) - So it's hard to know. Obviously if you read the article about Arbor, there was not much and a lot of the investors were surprised. It's interesting though, cuz if you really dial into it, there's no way that they were making distributions for a long time as the things were defaulting. So there must have not been distributions on those assets for some time. That would be obviously a red flag. So I think that some syndicators are probably communicating very, very well. But in this particular case, that wasn't happening because of what some of the people were saying in the article that had invested with them.   Speaker 1 (00:20:31) - And when you're talking about Arbor, you're talking about that group in Houston that I brought yeah, up earlier. That's really become sort of like the poster child for what's coming can often that might make one think like the LP that invests in someone else's syndication that might make a savvy investor wonder, well gosh, I wonder if there's going to be a contagion effect. Even if a syndicator shows me a deal and that one particular deal looks really good, does that syndicator have other deals behind him that are blowing up and could affect this good deal that looks good in front of me right now. So what are your thoughts about any sort of contagion effect that way? Are you seeing any of that out there?   Speaker 3 (00:21:08) - It's certainly possible. I know that a lot of it's gonna be based around the debt itself. So if somebody got a deal like we did like two years ago or one year ago that put fixed rate debt on it, not a problem. So you have to take a look at the maturity of the debt. There's a lot of people that have bought properties that where they assumed alone in the commercial space you can assume something, people are still doing deals, you know, so if you could step into somebody else's loan at three, three and a half percent, let's say you're not gonna have a default issue, you're not gonna have a debt issue where the debt's gonna go up while you bought something, it's fixed. And that was kind of the whole point. As you know, I've been telling people to get in fixed straight debt for two years. If you go back and look at my videos, I probably said it a hundred times, getting fixed straight debt, getting fixed straight debt, getting fixed straight debt because you have to know what your debt payment is month to month to month for a long period of time. You don't want a fluctuating variable number. And so the people who didn't do that, the people that in my opinion were inexperienced and didn't by caps, this is the result of that.   Speaker 1 (00:22:23) - We've been talking a lot about problems here. Of course the flip side of any problem is an opportunity. You are an excellent opportunist. You just talked about situations where apartment values could be down 20 or 30%. So are you seeing opportunity, especially with respect to apartment buildings and what's going on coming ahead?   Speaker 3 (00:22:43) - We looked at four deals on Tuesday, we've been in opera on one of 'em. So to your point, if somebody's sitting on some assets and they need cash for ones that aren't doing well, for example, they might sell a couple of the good assets. And what's a good asset? A good asset would be something that's highly occupied and is stable and has fixed rate debt and it's something that you can easily underwrite, easily buy, and you know it's gonna be like clipping a coupon moving forward. That would be what I would call a good asset purchase. And those are definitely hitting the market. So I mean, you think about your own portfolio, you know, at any given time you're looking at the winners and you're looking at the losers, sometimes you have to sell a winner to pay for some of the losers. So we're starting to see some good assets hit the market.   Speaker 3 (00:23:32) - That might be great. They help somebody that's um, in a situation that might need cash for something else. So that is exactly what does happen. That is what's happening. So we're gonna be all over those issues and try to snap up some of these really, really nice assets. Another really good opportunity is going to be on brand new class A apartments that are just now being completed. So you know, as you know on a new construction deal, you do not get fixed straight debt because there's no asset. It doesn't exist. So you have a land, you have to build it until it's considered in service, which means you have all the occupancy certificates and it's blessed and the city says, okay, it's all ready to move it. That's in service. And until that point you can't put fixed rate debt on anything. So there's going to be this many opportunities on assets that are under construction that are in trouble because of these high interest rates. People that come in with all cash, for example, are going to be able to buy some of those properties. What I would guess at under replacement costs, it's going be a very exciting time moving forward for buying perhaps real trophy assets or assets up that people have already done a lot of work on or under what they're worth.   Speaker 1 (00:24:51) - That could be a good niche to exploit. You're listening to get Resu education. We're talking with Ken McElroy about trouble in the commercial lending market and how that affects real estate. Warren, we come back. I'm your host Keith WeHo with J W B Real Estate Capital. Jacksonville Real Estate has outperformed the stock market by 44% over the last 20 years. It's proven to be a more stable asset, especially during recessions. Their vertically integrated strategy has led to 79% more home price appreciation compared to the average Jacksonville investor. Since 2013, JWB is ready to help your money, make money, and to make it easy for everyday investors, get started@jwbrealestate.com slash gre. That's jwb real estate.com/gre. GRE listeners can't stop talking about their service from Ridge Lending Group and MLS four 2056. They've provided our tribe with more loans than anyone. They're truly a top lender for beginners and veterans. It's where I go to get my own loans for single family rental property up to four plexes. So start your pre-qualification and you can chat with President Chaley Ridge personally. They'll even deliver your custom plan for growing your real estate portfolio. start@ridgelendinggroup.com. This is peak prosperity's. Chris Martinson, listen to Get Rich Education with Keith Wein old and don't quit your daydream.   Speaker 1 (00:26:33) - Welcome back to Get Education. We're talking with Ken McElroy, longtime influencer and very successful author, A great influencer in the real estate space. And can you hit mentioned some other sectors outside of the residential and the apartment space earlier, and we look at potential problems or opportunities outside of residential and we think about what's happening to office space. You touched on that earlier, that's probably about the worst real estate sector I can imagine in their high vacancy rates, hotels and retail and warehouses, which actually think about one sector as doing pretty good since the pandemic and online shopping really lifted the warehouse sector. But do you really have any other thoughts about those sectors, how commercial loans affect them or any good opportunities in those outside of residential?   Speaker 3 (00:27:24) - As everyone knows, you know, when you buy a home, they look at your FCO score, right? They look at your credit and they look at you or me as the person paying that home as they should. When you move to the commercial side, they look to the asset. So they're very, very different. One's an individual. Another one is the actual asset. So as these asset values go down, as interest rates go up, I think that anything that's going to need any kind of a loan and the next year or two is going to have a problem from an asset value standpoint. Because what we were all used to in the last 10 years were these value add. So you'd buy something and then you would improve it and it would be worth more money at the credit and debt markets were stable, you know, so you could go, uh, you had a very calculated model where you can go put new debt on there and scoop that out and do a cash out refi that's gone right now because the values are down and of course the cash out refi option is off the table.   Speaker 3 (00:28:30) - So th those are the real problems that people face moving forward. So that could be all kinds of things. It could be retail, it could be industrial, it could be multi-family cuz everything is impacted even though we've had high cracy and red growth in some of those areas. If you're a seller that has a 3% loan and you're trying to sell it to somebody like us who's a buyer, we're probably at six or seven. We're looking at cash flow very differently than they are when our debt costs are almost double. So we're not gonna be able to pay that price. And so that's what the debt, rising debt costs have done. If the income, any expenses are the same, but the debt costs are double, then we as buyers can't afford to pay that. So therefore the prices that we're we can afford to pay are gonna be a lot less. And so that's actually what's happening   Speaker 1 (00:29:26) - And what we think of as perhaps ground zero for problems in the real estate market. I think office first comes to mind, you've talked about office vacancy rates in many American cities being really high earlier, it was a particularly noteworthy stat that was released not long ago that in New York City they have 26 Empire State buildings worth of empty office space. So we talk about all this open office space with more of the work from anywhere crowd and this dearth of residential housing. You know, can you experience, do you learn about very many office buildings being viable for tear down and conversion into residential? Or is that not feasible very   Speaker 3 (00:30:07) - Often? Yeah, so that's the million dollar question. What are we gonna do with these big, big office buildings? And think about this, Keith, let's say it's a 50 story building, which is a very common building all over the place and it's got 20 or 30% occupancy. My guess is, you know, what do you do? Like you have to wait until it's a hundred percent vacant, obviously before you can even do something. So what's going to happen is the banks are actually gonna be taking these back, the banks are gonna be managing these and they're gonna have to figure that out. And the only way to take down an office building is if it's a hundred percent vacant. And even then it might not be worth it because let's don't forget, you step into the shoes on day one of the property taxes of the utilities of the insurance, regardless if it's full or not in order to maintain it.   Speaker 3 (00:30:59) - So there's an operating cost that exists whether there are people in it or not. And so you have to be careful that you're not catching a falling knife. You know, like, I mean if somebody said to me, I'll give you this vacant office building or a dollar, I probably wouldn't take it because unless I had some kind of a solution for the, uh, on the income side. So I'm not saying I wouldn't, but you have to have a solution on the income side to cover your operating expenses. Otherwise you're just gonna be writing checks just like the person before you   Speaker 1 (00:31:34) - That is so well explained on the difficulty of making a conversion feasible from office to residential. Well, if you're like me, you read a lot of Ken McElroy's books like the ABCs of Property Management, the ABCs of Real Estate Investing. Can I read the Return to Orchard Canyon on a beach in India a little over three years ago? Actually, I love that more recent book from you and you have a great live in-person event coming up really soon where the audience can come to see you at a bunch of other speakers. It's a fantastic event. It's a second year, you're doing it, it comes up really soon here in Scottsdale. Tell us about it.   Speaker 3 (00:32:15) - Thank you. It's, I cannot be more excited, especially what's happening right now. It's called Limitless and uh, it's at limitless expo.com. So it's just limitless expo.com. But kicking off the very first day is Joseph Wang, who wrote a book called Central Banking 1 0 1 and he is good. He used to work in New York for the Fed and is going to talk specifically about what's the Fed going to do in the second half of the year in 2024 based on all the things that he did on the open markets desk for the Fed. So that's gonna be very exciting. We've got Chris Martinson as well talking right after him, got kiosaki. We have a whole bunch of people around entrepreneurship and um, kind of side hustle stuff just to try to figure out what the heck is happening and what could we be doing to protect ourself moving forward.   Speaker 3 (00:33:11) - So this is really, this year in particular is a not to miss year because these are things that all of us are trying to figure out. I don't have a crystal ball just like anyone does, and I'm studying like crazy to try to figure out what's happening next. We've got 45 speakers all coming to try to help us understand what we can do next. Chris boss, who's, uh, wrote the book, never Split the Difference. If you guys haven't read that book, you need to read that book. He's the hostage negotiator in the world and he works for the FBI and Harvard. And, and his talk is going to be how to negotiate during troubled times because these are going to be real things, Keith, real things that are happening. You know, when there's a debt maturity or a loan coming up or you have problems with your limited partners or, or whatever it might be, this is the room you wanna be and that's the talk you want to hear. Chris is gonna be there, I'm gonna do a podcast with him. He is gonna do a book signing, so it's really fun. It's gonna be Thursday, uh, the 15th, the 16th or the 17th of June. And uh, it's right in Scottdale, Arizona.   Speaker 1 (00:34:21) - Janice Prager will be there as well. And yeah, it seems like you just keep adding speakers. Okay, I wanna talk to you. Last month it was 40 speakers, now it's 45. So you, you have a buffet that you can sample there as an audience?   Speaker 3 (00:34:34) - We do. I can't wait to meet Dennis Prager. I, I've been to his compasses in la I, I'm a big fan of, you know, his messaging and, and what he, he has a billion downloads last year, A billion with a B. That's incredible. So he's getting to be there. I just think it's like the who's who, right? It's tweet thought   Speaker 1 (00:34:52) - 100%. You can get started@limitlessexpo.com. Can I and our audience have benefited from your knowledge for years? Thanks so much for coming back onto the show.   Speaker 3 (00:35:02) - Yeah, my pleasure. Always great to be on   Speaker 1 (00:35:10) - Most of those speakers at the Limitless event. Were guests here on G R E, so you'll probably find a lot of residents there, including Chris Voss who was the FBI's lead hostage negotiator. He was on the show with us here twice you'll remember. And yeah, you'll remember that pretty fondly  because it was entertaining the first time Chris was here back in episode 331, how the World's Best negotiator and I, Chris Voss did a mock face off in negotiating the purchase of a fourplex building. But getting back to imploding apartment syndications, they aren't just blowing up deals and blowing up investors, but also blowing up banks when the borrower cannot repay the loan. And banks have to take back apartment buildings and office buildings unlike, which is actually pretty unusual in a way that they need to take back apartment buildings. I mean, everyone understands how the work from anywhere movement created, the office space decline, but there is quite a demand for all residential types, single family homes and condos and trailers and apartments.   Speaker 1 (00:36:17) - But it's those resetting rates that blow up apartments despite the demand for people to wanna live there. So what this does, it makes banks more conservative with lower rent values being delivered, lower rent to value ratios also coming on the way. I would expect more of that ratcheting down. And for more people wanting to refi from a variable rate to a fixed rate, you know those syndicators they have got to put cash in in order to meet that lower loan to value ceiling will well capitalize syndicators. They can do that and others can't. Syndicators might very well be asking for capital calls from their investors then for their investors to help fund that cash in refi to keep those deals alive. The timeline for when you should expect a lot of this activity are from the peak 2021 and early 2022 deals that had short-term debt on them.   Speaker 1 (00:37:17) - They are going to face resetting rates late this year and into 2024. You probably noticed that just beyond the halfway point in the chat with Ken. I pivoted from talking about problems to discussing opportunity and the opportunity being that others might sell a good apartment deal because they need the cash to get out of that deal so that they can go take those funds and perform a cash in refi and shore up one of their other deals and get that other deal into fixed rate debt. Most modern offices, you know, they simply cannot be adapted over to residential uses due to their wide and deep floor plates that restrict natural lighting to only the perimeters. And because of the overhauls required to run mechanical and electrical and plumbing to individual residential units in the rare office building where conversions are possible, that sort of thing is wildly encouraged by everyone, developers and brokers and all kinds of governmental bodies.   Speaker 1 (00:38:19) - In fact, there was recently a sale of a 150,000 square foot office building in Orange, California oranges between Anaheim and Santa Ana. It's sold for 22 and a half million dollars and it's planning to be converted from office to residential. But yeah, multi-family conversions like that, they just aren't common. And the full story about that from LoopNet is in the show notes for you today. We've been discussing the difference between one to four unit properties and five plus unit multi-family apartments today. The difference in lending is really what makes all the difference. So those larger apartments bought with variable rate debt, say one to three years ago, they are problematic where the one to four unit space instead stays shielded with long-term fixed interest rate debt. Next week here on the show, you're gonna meet our new investment coach at GRE Marketplace. You have heard this person on the show before. I'll introduce you next week. Yes, we're adding a second one to keep up with demand for you. Until then, I'm your host Keith Wein. Hold, don't quit, it's your daydream.   Speaker 4 (00:39:31) - Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial, or business professional for individualized advice. Opinions of guests on their own information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of Get Rich Education LLC exclusively.   Speaker 1 (00:39:59) - The preceding program was brought to you by your home for wealth building. Get rich education.com.  

En el programa de hoy, enviamos a nuestra unidad móvil a la Parroquia de San Bartolomé, lugar en el que se está celebrando el Septenario al Stmo. Cristo de la Expiración. En la iglesia nos atiende el Hermano Mayor de la Cofradía, Luis Vera, para repasar la actualidad. Hablamos después con D. Fco. Javier Díaz, párroco de Santa María Madre de la Iglesia y presidente de la comisión gestora que rige a la Cofradía de Caridad y Salud desde el pasado mes de enero. Nos cuenta lo vivido en estas últimas semanas, cómo se está preparando la cofradía de cara a la próxima Semana Santa, y cómo ve el futuro de esta joven hermandad. Además repasamos la actualidad cofrade, la agenda y el tiempo de tertulia, en el que ponemos el foco en el control de acceso a la Santa Iglesia Catedral durante el pasado Miércoles de Ceniza y en los cambios de itinerarios para este año 2023.

No episódio 156 do JKCast, José Kobori responde as dúvidas dos alunos sobre Grande Posição do Free Float Atrapalha? Distribuir Dividendos Acima do Lucro Líquido? EBITDA x FCO. ------------------------------------------------------------------------------------------------------

¿La publicidad subliminal funciona realmente? En el este capítulo nos acompañó Fco. Javier García Socio Director de desarrollo de proyectos en BAG y Damian Pasquini V.P. de Marketing en AMAPRO para hablarnos sobre este tema que ha sido polémico en muchas ocasiones por el rechazo que ha generado en los consumidores.

Mojo Vision, a company that has been leading the way in AR contact lens technology for over a decade, just announced that they're shifting gears to focus on commercializing their MicroLED technology with significant short-term market potential! Imagine being able to revisit your musical preferences from 2023 with Spotify's Playlist in a Bottle. Meanwhile, German antitrust watchdog is taking Google to task over their data processing terms and giving users more choice over their data and finally, did you know that in most of Apple's product advertisements, the time shown on the device's screen is 9:41 AM? Find out the hidden meaning behind this time in our latest article! Don't miss out on these exciting updates in technology.00:00 - Intro02:12 - AR-Kontaktlinsen von Mojo Vision auf Eis gelegt - Fokus auf MicroLED08:08 - Google users not given sufficient choice over its data processing, says German antitrust watchdog16:54 - Give Yourself a Musical Surprise in January 2024 With Spotify's Playlist in a Bottle25:10 - iPhone (1. Generation) – WikipediaSummary:Mojo Vision, a company that has been working on AR contact lenses for more than a decade, announced that it is shifting its focus to commercializing its MicroLED technology, which the company sees as having significant short-term market potential. The company plans to slow down its work on the contact lens, which it had been developing for use in the medical sector and ultimately for everyday use. Mojo Vision had been aiming to bring the contact lens to market by around 2025. The company cited a lack of investors in a difficult economic environment as the reason for the shift. Mojo Vision is laying off 75% of its employees as a result of this change.The German antitrust watchdog has issued a preliminary statement of objections to Google over its data processing terms and plans to require the company to give users more choice over what it does with their information. The Federal Cartel Office (FCO) has been investigating Google's terms of service for processing user data since May 2021, and has found that users are not given sufficient choice over how their data is collected and connected across multiple services, and not enough choice over whether their data is used for ad targeting. The FCO plans to require Google to change their terms to give users more choice over their data. Google will have an opportunity to comment on the objections, and a final decision on the matter is expected this year.Spotify has launched a new interactive in-app experience called Playlist in a Bottle that captures the users' current musical preferences and lets them revisit their 2023 self one year later. The users have to ensure that their Spotify mobile app is up to date, pick a time capsule, answer a series of song-inspired prompts, seal their musical time capsule and share a personalized card on their social channels. The experience is live starting today in 27 markets and 18 languages for both Free and Premium users across iOS and Android devices. However, the experience will end on January 31, so users are encouraged to participate before then.In most of Apple's product advertisements, the time shown on the device's screen is 9:41 AM. This is because, on January 9, 2007, Steve Jobs introduced the iPhone to the public for the first time at a MacWorld event in San Francisco at 9:41 AM. According to a former senior Apple executive, the time 9:41 AM is deliberately displayed on every screen of Apple products as a reminder of the product's introduction. The executive also states that each keynote presentation session by Apple starts exactly 40 minutes past the hour and that after the first generation iPad was introduced, they changed the time to 9:41 AM across all products. The article also notes that this practice is still being followed by Apple for its newest product advertisements and that the company still respects the significance of the number 9:41 AM as the "embryo of their success".Our panel today>> Tarek >> Chris >> Henrike >> Vincent Every week our panel of technology enthusiasts meets to discuss the most important news from the fields of technology, innovation, and science. And you can join us live!https://techreview.axelspringer.comhttps://www.ideas-engineering.io/https://www.freetech.academy/https://www.upday.com/

In Episode 166, we discuss skiing in Iraq and Afghanistan with Ashley Hartz and James Willcox from Untamed Borders, as well as ice swimming in Samoens with Cathy Munro.   The Ski Podcast is sponsored by Les 3 Vallées - the largest ski area in the world SHOW NOTES James was last on the podcast in March 2021 when we discussed skiing in Afghanistan Ashley is based in Snoqualmie in Washington State, USA Patrick Thorne is the author of 'Around the World in 50 Pistes' and was on the podcast in Episode 162 (3:45) Alex Irwin from 150 Days of Winter reported from Courchevel, France (5:30) Dave Burrows from SnowPros Ski School reported from Courmayeur and Pila in the Aosta Valley, Italy (6:30) Keith Webb reported from Badhofgastein in Austria (10:00) Gethin James reported from Cairngorm Mountain in Scotland (11:44) Gethin joined us for Episode 162 to tell us about skiing in Solden  Find out about the new Rannoch chairlift at Glencoe Mountain  Ashley tells us about skiing in Iraq (13:15)  The Hamilton Road links Iraq and Iran (15:15) Korek ski resort in Iraq has 200m of groomed pistes (16:30) Find out about Free to Run (23:00) The 6th Choman Winter Festival took place in 2022 (24:30) https://www.youtube.com/watch?v=CiD8ckLY054 The Iraq Ski Rally was set up by Untamed Winters (26:30) Check the latest FCO advice on Iraq (29:45) Untamed Borders helped with the logistics for Michael Palin's programme ‘Into Iraq' recorded for Channel 5 (30:00) Try Battleface travel insurance for cover in destinations like Iraq (30:30) Listen to our special episode about skiing in Afghanistan (33:00) Read about the Afghan Sports Trust (35:00) The World Ice Swimming Championships are taking place in Samoens in January 2022 (40:00) You can follow Iain @skipedia and the podcast @theskipodcast on social media

Politicians in the UK are careful about how the official aid budget is spent. The money is expected to meet the needs of refugees coming to Britain, as well as helping people in regions affected by war, food shortages and natural disasters. In such circumstances, the government intends to slash aid to China. In this podcast, aid commissioner Sir Hugh Bayley discusses how the decision was reached with Duncan Bartlett, Editor of Asian Affairs magazine.

Pierre Mathévet, vétérinaire (VetAgro Sup 1985) et président de Tirsev, au

★ Join the Ramblings of a Sikh YouTube Channel ★ ★ Support this podcast on Patreon ★ ★ Buy this podcast a coffee ★ You can see a full time stamped breakdown of the conversation below. 00:00 - Teaser 00:20 - Introduction 01:26 - Family history and background 04:59 - What do you remember from October 31st 1984? 08:15 - Would the genocide have taken place even if Indira Gandhi was not assassinated? 14:36 - How did your research help bring to the front a bigger picture? 18:34 - To what extent are the police and the army involved & how did Sikhs who were in these forces act? 21:53 - How and why do things come to a stop towards November 3rd? 23:58 - Was the genocide just targetted to Delhi? 24:09 - What role does the media play in the immediate decade or two in supporting a particular narrative? 29:11 - Do you expect we'll ever know the true extent of what actually took place? 32:54 - Which high ranking officials were involved? What did they do? Was Sajjan Kumar essentially a sacrificial lamb from the perspective of the state? 39:03 - What role did Gyani Zail Singh play? 43:28 - Are the British involved? What do arms deals have to do with 1984? 46:36 - Any idea what documents were removed by the FCO from the National Archives in 2016, could it possibly include the British reconnaissance report from Sri Harmandir Sahib? 48:30 - Has anything new come to light that changes the narrative since you published your book? 53:09 - Truth, Justice & Reconciliation: what do you think should happen? 58:32 - How did the research impact you? 01:03:43 - Conclusion 01:04:36 - Outro 01:04:54 - Next Month's Podcast Trailer

Students at all levels and institutions were invited to this careers panel where practitioners in various Middle East-related fields will talk through their career paths. Reza Afshar is the Executive Director of Independent Diplomat, a non-profit non-governmental organisation founded in 2004 by British former diplomat Carne Ross to give advice and assistance in diplomatic strategy and technique to governments and political groups. Previously, Reza was head of the team responsible for Syria policy at the UK's Foreign and Commonwealth Office (FCO). During his time at the FCO, Reza also served as head of the Middle East, Asia and Europe Team at the UK Mission to the United Nations (2009 to 2012). He was awarded an OBE in 2012 for his work as lead negotiator on Libya in the UN Security Council. During his 13 years of service, Reza also worked on Iraq (2003-2004), Zimbabwe (leading the UK Foreign Office's crisis team in 2008), and negotiated new arms control protocols relating to cluster munitions and landmines. Hind Hassan is an award winning international correspondent for VICE News covering conflicts, humanitarian crisis and the biggest developing stories from around the world. Since joining VICE News, Hassan has reported on wars and uprisings across the globe including the post-ISIS legacy in Syria, Lebanon's blast demonstrations and the battle over Nagorni-karabakh where her team became the first journalists to independently confirm the use of cluster munitions against civilians in Azerbaijan. Most recently Hassan travelled to Ukraine where she documented war crimes and the devastation caused by Russian bombs in the city of Kharkiv, just 30 kilometres from the Russian border. She was also part of a team that investigated the essential oil industry's frankincense supply chain, uncovering allegations of abuse made against a multi-million dollar American wellness company. Hassan embedded with the Taliban in Afghanistan just months before the group's takeover of Kabul and was on the ground in Jerusalem and Gaza ahead of the military offensive on the Strip. Prior to joining VICE News, Hassan worked as a reporter for Sky News. Ahmed Tabaqchali is a Visiting Fellow at the LSE Middle East Centre and a capital markets professional with over 25 years' experience in US and MENA markets. He is the Chief Strategist of the Asia Frontier Capital Iraq Fund. Ahmed is a Senior Fellow at the Institute of Regional and International Studies (IRIS), and non-resident Senior Fellow with the Atlantic Council - Iraq Initiative. He is a board member of Capital Investments, the investment banking arm of Capital Bank-Jordan. Previously, he was former Executive Director of NBK Capital, the investment banking arm of the National Bank of Kuwait, Managing Director and Head of International Institutional Sales at WR Hambrecht + Co., Managing Director at KeyBanc in London and Director & Head of Capital Markets & Institutional Sales at Jefferies International in London. He started his career at Dean Witter International in London. At the LSE Middle East Centre, Ahmed is researching Iraq's economy and political economy with a specific focus on the economic aspects of the relationship between the GoI (Government of Iraq) and the KRG (Kurdistan Regional Government). Michael Mason is Director of the LSE Middle East Centre. He is also Associate Professor in the Department of Geography and Environment and Associate of the Grantham Research Institute for Climate Change and the Environment. His research interests encompass environmental politics and governance, notably issues of accountability, transparency and security.

"I find it interesting how poorly understood the food system is by politicians in the UK," says Karen Betts, Chief Executive of the Food and Drink Federation (FDF). "Food manufacturing is something we need to educate them on better. We're often hidden away and out of view, but what goes on in our industry is absolutely vital." Karen took on the role at the FDF in December 2021 and what a time to do it. Since her appointment, the food industry has faced enormous challenges, including inflation, a fuel crisis, and the global effects of the war in Ukraine, not to mention the fallout from the Coronavirus pandemic. But she is well-placed to face those challenges, with a CV that is as intriguing as it is impressive.  She is a former lawyer and has had posts including: ambassador to Morocco, positions in the Cabinet Office and the Joint Intelligence Committee, and senior jobs in industry, recently as Chief Executive of the Scotch Whisky Association. So what is her vision for the FDF? What are her priorities amongst a plethora of challenges for the industry? And how will she go about affecting the change she believes is needed? Karen tells the Food Matters Live podcast she wants to work with the UK's new prime minister to tackle the biggest issues. On inflation and energy prices, she says: "It would be really good to see a new prime minister really grip the economic issues and come up with a coherent and sensible plan.  "The country and industry needs to have a clearer idea from government about how they think we can all collectively best cope. Businesses are doing everything they can now.  "But we want to put businesses in a strong position where they can focus on growing and thriving into the future." Karen says sustainability and health are ongoing issues for the food and drink industry, with the pressure on to play a responsible role in helping to make food a "source of health, not ill-health". She says labour shortages are a big concern for many and wants to see the issue confronted "long-term". "If we are in an employed economy now," she says. "How do we use automation, technologies, and digital to help us overcome labour shortages and become more productive?" Listen to the full episode to find out what keeps her up at night when she thinks about the food and drink industry, her view on the potential loss of the Groceries Code Adjudicator, and what she sees as the challenges and opportunities of Brexit. Karen Betts OBE, Chief Executive, Food and Drink Federation Karen Betts joined the Food and Drink Federation as Chief Executive in December 2021.  Prior to this, Karen was the Chief Executive of the Scotch Whisky Association for four years.  While she was there, she steered the UK's largest food and drink export industry through the UK's departure from the EU, a trade war with the US which targeted Scotch Whisky with import tariffs, and through the COVID-19 crisis and recovery.   She led the industry's engagement in the UK's new, independent trade policy and renewed trading relationships with partners around the world to the benefit of Scotch Whisky exports, alongside overseeing a review of the industry's environmental policies, which drove the agreement of new and stretching industry-wide sustainability targets.  And under her leadership, the industry committed to a Diversity and Inclusion Charter and to work together more effectively on drawing a wide of people, with a diverse set of skills and backgrounds, into the industry. Prior to joining the SWA, Karen was a diplomat in the Foreign and Commonwealth Office for 16 years, where she held a variety of posts in London and overseas. Latterly, she was British Ambassador to Morocco and non-resident Ambassador to Mauritania.  Prior to that, Karen was Counsellor to the British Embassy in Washington, and held roles at the UK's Permanent Representation to the EU in Brussels and the British Embassy in Baghdad.   In London, she served in the Cabinet Office and the Joint Intelligence Committee, as well as in several roles in the Foreign Office. Before joining the FCO, Karen was a lawyer at Clifford Chance, working in London and Hong Kong.  She studied law at the College of Law in Guildford and history at St Andrews University.  Karen is an Adviser to the UK Government's Board of Trade and received an OBE in the Queen's birthday honours in 2022 for her services to international trade.

De la mano de Fco. Javier Ortiz nos adentraremos en los fantásticos cuadros de Nicolás Roerich, descubriendo las enseñanzas del Agni Yoga en ellos ocultos, Enseñanza que plasmó Elena Roerich (amanuense del Maestro Morya) en numerosos libros. Nuesto Correo de Contacto: laruedadelmisterio2010@gmail.com © La Rueda del Misterio

Justin Booth-Clibborn, CEO/Executive Producer of world renowned creative design & animation studio PSYOP. Justin is a leading figure in our commercial production community, and what a treat to have him on the podcast.   Justin started his career as an account executive for 5 years in London advertising agencies FCO and DFSD/Bozell, but quickly moved on to became a freelance commercials producer, director, and assistant director. In 1996, Justin left London for Los Angeles where he directed music videos, and worked as a freelance producer, 1st AD, and visual effects/post production supervisor on music videos and commercials.   Check out this KFC spot we chat about and more work at my website, www.jordanbrady.com or www.pysyop.com of course.    Romcom "Diamond In The Rough" streams on the Creator+ platform starting now! Please support my wife filmmaker Jeannette Godoy's romcom debut. It's "Mean Girls" meets "Happy Gilmore" and crowds love it. Here's the trailer.   Next Commercial Directing Bootcamp is January 7th, 2023 in Los Angeles. Save $100 if you've completed either of my Masterclass or Shadow online courses.   Online Commercial Directing Masterclass as well as my Commercial Directing Shadow course have received 100% 5 star reviews. Plus we do a free filmmaker consultation call with either course. Win a chance to shadow me on a real shoot! DM for details.   Check out the new Commercial Director Mega Bundle for serious one-on-one mentoring and career growth. It's everything and more.   Thanks,   Jordan    This episode is 70 minutes.   My cult classic mockumentary, “Dill Scallion” is online so I'm giving 100% of the money to St. Jude Children's Hospital. I've decided to donate the LIFETIME earnings every December, so the the donation will grow and grow. Thank you!

Justin Booth-Clibborn, CEO/Executive Producer of world renowned creative design & animation studio PSYOP. Justin is a leading figure in our commercial production community, and what a treat to have him on the podcast. Justin started his career as an account executive for 5 years in London advertising agencies FCO and DFSD/Bozell, but quickly moved on to became a freelance commercials…

The Foreign, Commonwealth and Development Office (FCDO) was created by the merger of the Foreign and Commonwealth Office (FCO) and the Department for International Development (DfID) in 2020. Since then, the department has implemented a substantial cut to the UK's aid budget, dealt with the foreign policy implications of Brexit, handled the UK's presidency of the G7 and the COP climate conference, and responded to the Taliban takeover of Afghanistan and the Russian invasion of Ukraine. But has the merger of the FCO and DfID been a success? Are the prime minister's objectives being achieved by the FCDO? Does the department have good relations with the rest of government? And what lessons does the FCDO need to learn to ensure it can achieve the UK's global priorities? To discuss all this we were joined by: Sir Alan Duncan, former Minister of State at DfID and FCO Sarah Champion MP, Chair of the International Development Committee Lord McDonald, former Permanent Under Secretary at the FCO Stephanie Draper, Chief Executive Officer at Bond This event was chaired by Tim Durrant, Associate Director at the Institute for Government. #IfGFCDO

CW4 Daniel T. Archer entered the Army in October of 2001 as an airframe electrician technician.  Following Basic Training, AIT and Enlisted Green Platoon, he was assigned to the Fco 1st BN 160th Special Operations Aviation Regiment (Airborne) .  In October of 2002, CW4 Archer was selected to attend Warrant Officer Candidate School and Army Initial Entry Rotorcraft Training at Fort Rucker Alabama.  CW4 selected Apache Longbows as his airframe of choice out of flight school.After Flight school CW4 Archer was assigned to Renegade Troop, 4/3 ACR.  In early 2005, CW4 deployed to Operation Iraqi Freedom and flew AH64Ds primarily over the Baghdad and Mosul areas of operation, culminating in 598 Combat flight hours in the AH64D. In 2006 CW4 Archer PCS'd to South Korea to serve as a company Instructor Pilot in the Longbow.  In 2008 he was assigned to the 204th MI BN as a C-12U pilot.In 2009 CW4 Archer Assessed and was selected for training at 4th BN 1st CIG. During his time in 2nd BN CW4 Archer held many jobs to include Company Standardization Pilot, BN Standardization Pilot and Senior Warrant Officer. CW4 Archer has accumulated over 6800 flight hours, 2500+combat flight hours, 1200+ imminent danger hours and has deployed overseas 27 times, 25 times with 1st CIG over the last 12 years in the organization. CW4 Archer holds 8 different type ratings and is an FAA Pilot Examiner Designee.CW4 Archer deployed in support of SOUTHCOM, CENTCOM, PACOM, EUCOM, and AFRICOM, participated in multiple Operations to include IRAQI FREEDOM, ENDURING FREEDOM, INHERIANT RESOLVE, and numerous classified contingency missions directed by the National Command Authority.Masada Tactical The premier self protection training company, combining Israeli tactics and American disciplines.Combat Iron Apparel

This event was the launch of three papers authored by Courtney Freer and Spyros Sofos of the LSE Middle East Centre as part of the Global Transitions Series, a research output from PeaceRep – the Peace and Conflict Resolution Evidence Platform funded by the UK Aid from the UK Foreign, Commonwealth & Development Office (FCDO). 1. Qatar and the UAE in Peacemaking and Peacebuilding by Courtney Freer 2. Peacebuilding in Turbulent Times: Turkey in MENA and Africa by Spyros Sofos 3. MENA Regional Organisations in Peacemaking and Peacebuilding: The League of Arab States, Gulf Cooperation Council and Organisation of Islamic Cooperation by Courtney Freer. Courtney Freer is Provost's Postdoctoral Fellow at Emory University in Atlanta, Georgia and Visiting Fellow at the LSE Middle East Centre. Previously, Courtney was Assistant Professorial Research Fellow at the LSE Middle East Centre. From 2015-2020, Courtney was a Research Officer for the Kuwait Programme at the LSE Middle East Centre. Her work focuses on the domestic politics of the Gulf states, particularly the roles played by Islamism and tribalism. Her book Rentier Islamism: The Influence of the Muslim Brotherhood in Gulf Monarchies, based on her DPhil thesis at the University of Oxford and published by Oxford University Press in 2018, examines the socio-political role played by Muslim Brotherhood groups in Kuwait, Qatar and the United Arab Emirates. She previously worked at the Brookings Doha Center and the US–Saudi Arabian Business Council. Spyros Sofos is a Research Officer on the LSE Kuwait Programme project 'Ecologies of Belonging and Exclusion: An Intersectional Analysis of Urban Citizenship in Kuwait City.' Spyros's research explores the intersection of societal insecurity, identity and collective action and, to date, it has focused on Turkish politics and society, nationalism and populism in Europe and the Middle East, urban citizenship in the Middle East, European Muslim identities and politics, and the theory of populism. His latest book Turkish Politics and ‘The People': Mass Mobilisation and Populism published by Edinburgh University Press explores the emergence of populism in contemporary Turkey and its genealogy as a tradition of action and discourse. His other publications include Nation and Identity in Contemporary Europe published by Routledge, Tormented by History: Nationalism in Greece and Turkey published by Oxford University Press, and Islam in Europe: Public Spaces and Civic Networks published by Palgrave. Greg Shapland is a Visiting Fellow at the LSE Middle East Centre and an independent researcher, writer and consultant on politics, security, resources and environment (including water) in the Middle East and North Africa (MENA). His entire career has been focussed on the Middle East and North Africa, whether as a commercial representative, university lecturer or government official (in the Ministry of Defence, Cabinet Office and FCO). From 1979 until 2015, he served in the MENA Research Group in the FCO. He was also Head of Research Analysts from July 2010 to July 2013. During his time with the FCO, Greg served in British Embassies in Saudi Arabia, Egypt and Tel Aviv and in the Consulate General in Jerusalem. Since leaving the FCO, Greg has worked on post-conflict stabilisation, Israeli-Palestinian relations, inter-state and intra-state water disputes and the impact of climate change in the MENA region. He is currently working on a book on the politics and geography of the MENA region.

"Gruff" Jove Big Band Sedajazz: Eclèctic (Sedajazz Records, 2022) Fco. Blanco “Latino”, Juanito Saus, Roque Garcia, Xavi Maldonado, Angela Blanco, Aurora Blanco, Nino Villanueva, Jose Luis Rodrigo, Josep Peiró, Oscar Lujan, Laura Martí, Nur El Manchoud, David Martí, Juan Martí, Angel Ballester, Joan Fernandezm Albert Climent, Hadriel Benedito, Eva Serrano, Bernat Cucarella, Hugo Barrio, Mika Gimenez, Amin El Manchoud, Ximo Reillo, Jose Reillo. El tema es una composición de Perico Sambeat. ¿Sabías que? Jove Big Band Sedajazz es una formación que se crea a partir de la Sedajazz Kids Band. Es una formación de Big Band con veintitrés músicos, entre los que hay chicos y chicas de distintas edades. El grupo está dirigido, y muy bien, por Francisco Blanco Latino. En la grabación hay, además del tema de Perico Sambeat, versiones de temas de Charles Mingus, Oliver Nelson, Jimmy Giuffre (el clásico "Four Brothers"), Duke Ellington (el inmortal "Caravan"), Horace Silver o del director del grupo. El disco se grabó en las alquerías de Sedajazz los días 8 y 9 de mayo de 2021. El tema aparece en el disco con el título "Gruff". No obstante, en la tienda de Sedajazz se pueden comprar los arreglos para Big Band y en los vídeos disponibles en la web de la Jove Big Band Sedajazz: ambos se refieren al tema como "Gruf". En la tienda de Sedajazz refiriéndose a la partitura de "Gruf" se indica: es un tema de ritmo funk con subdivisión ternaria, con solos monocordes y reminiscencias del Soul y el hip hop. Es imprescindible que la sección rítmica se mueva fluida en el estilo. Profundamente enraizada en la más pura tradición de la big band, abre nuevos caminos hacia estilos más contemporáneos y funciona como fusión de estilos y puente entre generaciones. Sólo se me ocurre añadir: amén, porque el grupo a lo largo de todo el disco suena magníficamente. © Pachi Tapiz, 2022 Ver y escuchar Jove Big Band Sedajazz Eclèctic: "Nocturnal Flight" https://youtu.be/0imeDXZmlKE En anteriores episodios de JazzX5/HDO/LODLMA/Maltidos Jazztardos/Tomajazz Remembers… https://www.tomajazz.com/web/?p=61176 Más información sobre Jove Big Band Sedajazz https://www.jovebigbandsedajazz.com/en/home/ Más información sobre JazzX5 JazzX5 es un minipodcast de HDO de la Factoría Tomajazz presentado, editado y producido por Pachi Tapiz. JazzX5 comenzó su andadura el 24 de junio de 2019. Todas las entregas de JazzX5 están disponibles en https://www.tomajazz.com/web/?cat=23120 / https://www.ivoox.com/jazzx5_bk_list_642835_1.html. Las sugerencias, quejas, felicitaciones, opiniones y el contacto en general en jazzx5 @ tomajazz.com También por WhatsApp en el teléfono de contacto. JazzX5 y los podcast de Tomajazz en Telegram En Tomajazz hemos abierto un canal de Telegram para que estés al tanto, al instante, de los nuevos podcast. Puedes suscribirte en https://t.me/TomajazzPodcast. Pachi Tapiz en Tomajazz https://www.tomajazz.com/web/?cat=17847

Mark Galeotti discusses Russian perceptions of war and conflict. The differences between what is considered "war" vs "conflict" and how this changes between the military and civilian security establishments. In addition, the war in Ukraine is discussed. Discussion of Russian notions of future warfare tend, for understandable reasons, to focus on the debates within the military, which are then embodied in doctrine, tactics and procurement decisions. These debates are important, but also much more accessible, given the degree to which they are played out and arbitrated within the military press. However, there is an intertwined, if much less accessible debate within the civilian national security establishment – notably the intelligence services and the Security Council secretariat – which is at least of equal importance. While informed by the defence establishment's debate and sharing many of its assumptions, it is different, not least in its greater willingness to think in terms of open-ended and non-military conflicts, in which over warfighting may play a limited, episodic or essentially theatrical role. In this presentation, Dr Galeotti will address both sets of perceptions and consider the practical and political implications of this divide within Kremlin thinking on warfare. In light of current events, the original planned lecture was amended to include coverage of the ongoing war in Ukraine, Russian thinking about it, and potential outcomes. Dr Mark Galeotti is CEO of the consultancy Mayak Intelligence as well as an Honorary Professor at University College London School of Slavonic and East European Studies. He is also a senior research associate with RUSI, the Council on Geostrategy and the Institute of International Relations Prague. A widely published specialist on Russian security issues, Dr Galeotti has taught, researched, and written in the United Kingdom, the United States, Russia, the Czech Republic and Italy. Educated at Cambridge University and the London School of Economics, he has been a senior research fellow at the FCO, head of the history department at Keele University, professor of global affairs at New York University, head of the IIR Prague's Centre for European Security, and a visiting faculty member at Rutgers-Newark (USA), MGIMO (Russia), and Charles University (Czech Republic). His most recent books include The Weaponisation of Everything (Yale, 2022), Russian Political War (Routledge, 2020) and The Vory (Yale, 2018).

No episódio 119 do JKCast, José Kobori e Eddie Kobori responderam às perguntas dos ouvintes sobre Etanol e Petróleo, Renda Fixa, Spread Bancário, Ebitda e FCO. ------------------------------------------------------------------------------------------------------

In Episode 90 we discuss skiing in Turkey, the Beijing 2022 Paralympics, taking the train to Austria and how to choose your rental ski boots. Iain was joined ‘live' by regular guest Mike Richards, Katie Crowe from Battleface Travel Insurance and Al Morgan from SkiKitInfo and ‘down the line' by Paralympian Millie Knight and Yvonne Rosenstatter from Salzburgerland. SHOW NOTES Iain is travelling to Andermatt and Aletsch Arena in Switzerland You can buy Iain a coffee at www.buymeacoffee.com/theskipodcast There's still the chance to vote for us in the Sports Podcast Awards Find out more about skiing in Wales in Episode 65 You can buy your ski travel insurance at Battleface Travel Insurance Check the latest FCO rules on travel using their Sherpa travel tool All fully-vaccinated British travellers will be allowed into the European Union without tests Children 6-18 who have not been fully vaccinated will also be allowed to travel into EU countries provided that they have a negative pre-departure PCR test Grant Shapps, the Transport Secretary, is pressing to scrap the UK PLF by the Easter holidays Andy Butterworth from Kaluma Travel reported from St Anton in Austria Dave Burrows from SnowPros Ski School reported from Morgins in Switzerland Mike travelled to Turkey in January and stayed at the Ovit Mountain Lodge You can view all of Mike's excellent photos on his Instagram account Mike moved on to the ski resort of Palandoken and Ejder 3200 He also skied in Sarikamis Yvonne Rosenstatter is from SalzburgerLand Tourism Board You can find out about the direct Malmo to Austria service here Iain is the founder of Ski Flight Free Find out about the Nightjet train service from Paris to Austria Intersport Ski Hire is Iain's go-to ski hire company You can buy a Superfeet footbed here Millie Knight's racing guide is Brett Wild Check Millie's impressive record on her website Kirsty Young finished 5th in the Big Air at Beijing Mia Brookes is a young talent – look out for her in 2022/23 GB Snowsport are still publicly hoping to become a ‘Top 5 Nation in snowsports' Dave Ryding took 2nd in the Slalom in Garmisch Listen to our Dave Ryding lockdown interview               You can buy Iain a coffee at www.buymeacoffee.com/theskipodcast There's still the chance to vote for us in the Sports Podcast Awards   Reviews Reviews/comments are always welcome via Apple Podcasts, Spotify, social media or email to theskipodcast@gmail.com Nick D: "Great work, best ski podcast”   I also enjoy all feedback about the show, so please do email. You can follow me @skipedia and the podcast @theskipodcast. 

This episode highlights so many amazing botanicals! Join us, Drip & Drop, for an episode centering on hydrosols! From incorporating them into the bath, into cocktails and even into a gel-based formula to help soothe symptoms of singles. Come along for the ride as we obsess over Lemon Verbena and revisit our Full Moon Aster Hydrosol (with a shout-out to Lois, who was gifted a 2-ounce bottle of the magical Aster for taking up our FCO challenge!). Further along, take out your bottles of conifer essential oils such as Pinyon Pine and Citrus oils such as Sweet Orange to lift the mood and spirit to support overall health during the darker days as we get closer and closer to the Winter Solstice. Do we seem to always bring up the notion that a genuine and authentic essential oil should smell like a symphony and take you on an aromatic journey? Maybe so, but we hope that notion stays with you for a long time as you seek out essential oils from different suppliers and geographies. Stay in-touch with questions and comments at irreverentaromatherapy@gmail.com!

How many times can we possibly mention fractionated coconut oil (FCO) in an episode? Tune-in to find out! The first person to send us an email noting how many times we mention FCO in this episode will receive a bottle of our special Full Moon Aster Hydrosol! On a more serious note, this episode features the perennial topic of "less is more." Less essential oils = a big impact whether you're adding oils to a beard or face oil, smelling the oil and more. Other topics include the importance of carrier oils, finding fresh topics to share and another recurring topic of going beyond the aroma of an essential oil in aromatherapy.

In this episode we talk to Philipp Heller, expert on mergers, antitrust and competition to elaborate on why game theory is relevant to merger analysis. We discuss how game theory can help predict effects of market consolidations for some of the most prominent examples in recent years. While the intended merger of Vonovia and its largest rival Deutsche Wohnen, which would have formed the largest residential-property company in the whole of Europe, was recently rejected by shareholders, the German Federal Cartel Office (FCO) gave its blessing to the transaction. We explain some ideas from game theory that are useful for antitrust authorities like the FCO when analysing this and other mergers.    Philipp Heller is an Associate Director at NERA Economic Consulting. There he has focused on topics such as cartel damages litigation, national and international merger notifications, and regulatory procedures. Previously Philipp completed his PhD in Economics at Humboldt University of Berlin.

This special episode of the War & Diplomacy Podcast Series is a recording of an event that was hosted on 16 June 2021. This discussion, led by the Deputy-Director Dr Thomas Mills, highlights aspects of Alistair Burt's career as an MP and a minister in the Foreign Office. The conversation details several notable diplomatic events that took place during his tenure in office. About Alistair Burt: Recently appointed Pro-Chancellor of Lancaster University, Alistair Burt was a member of parliament for over 30 years, representing the constituencies of Bury North and North East Bedfordshire. He served in the government of Margaret Thatcher as Parliamentary Private Secretary to Kenneth Baker and in John Major's government as Parliamentary Under-Secretary of State at the Department of Social Security. Having returned to parliament in 2001, he served in various opposition roles, including Assistant Chief Whip and Deputy Chairman of the Conservative Party. Following the 2010 election, Alistair Burt was appointed by David Cameron to serve as a minister in the Foreign and Commonwealth Office with responsibility for the Middle East and North Africa. After a period as a minister in the Department of Health, he was appointed by Theresa May in 2017 as a Minister in both the FCO and Department for International Development, again with responsibility for the Middle East and North Africa region. Alistair Burt stood down from parliament at the 2019 election, having had the Conservative whip withdrawn in September of that year for his opposition to Brexit policy, only for it to be restored the following month. Alongside his current role at Lancaster, Alistair is a Council member of the European Council on Foreign Relations and a Distinguished Fellow at the Royal Institute for Strategic Studies.

Automation is a big deal in the contact centre world! The tools we need and use, often at a significant cost, are supposed to make our front line agents more productive at the right time, the customers' life easier and the FCO's cost reduction programmes successful. But… is this really what happens? Our guest expert today, Clive Elleforde will share insights and considerations with you, digging deep into his vast experience in automation and a comprehensive understanding of the impact voice automation has on customers and businesses alike! Links Clive Elleforde on LinkedIn: https://www.linkedin.com/in/cliveelleforde/ Web: Sovran AI https://www.sovranai.com/ Marianne on Linkedin: https://www.linkedin.com/in/marianne-rutz/ Rutz Consulting Website: https://rutzconsulting.com/   This Podcast is produced by: Andrew Madden Photography & Media Production

Volvemos a la carga con una Fosa clásica, y lo hacemos retomando los programas en los que analizamos la SERIE de Star Wars. Y es que volvemos con un análisis de The Mandalorian muy especial (y espacial). Esta vez no analizaremos la primera serie de acción real de Star Wars desde el punto de vista de la historia de la saga. Tampoco desde el punto de vista de la mitología o del Viaje del Héroe de Campbell. En esta ocasión entraremos en detalle en el análisis científico de la serie, tanto de la temporada 1 como de la reciente temporada 2. ¿Qué es ciencia y qué es ciencia-ficción en la serie de Favreau y Filoni? ¿Cuáles son los aspectos reales o futuribles desde el punto de vista científico y cuáles son simplemente fantasía en esta space opera? Para este análisis contamos con un invitado de otra galaxia. Y es que vuelve a La Fosa del Rancor Francisco García de Quirós, Director Técnico (CTO) de EMXYS, empresa alicantina dedicada al diseño y fabricación de sistemas electrónicos para aplicaciones espaciales. Francisco es Ingeniero de Telecomunicaciones por la Universidad Politécnica de Valencia, así como Doctor en Ingeniería Aeroespacial por la Universidad de Glasgow. Y por si fuera poco, es profesor del Departamento de Ciencia de Materiales, Óptica y Tecnología Electrónica de la Universidad Miguel Hernández (Elche). Todo un lujo poder contar de nuevo con él. En esta Fosa tratamos diversos temas y aspectos que hemos visto en las dos primeras temporadas de la serie. El profesor Gª de Quirós nos explicará, desde el punto de vista científico de 2021, si es posible el sistema de rastreo genético con el que Mando encuentra a Grogu, o si es funcional y realista los jet pack de los mandalorianos. Debatiremos sobre la posibilidad de la ingravidez de la cuna de Grogu o de lo realista que una nave pueda despegar de un planeta sin propulsores verticales. Y no sólo eso, también hablaremos de inteligencia artificial en droides de combate o astromecánicos (y si cumplen o no las Leyes de la Robótica de Asimov en la saga), los sistemas de clonación kaminoanos y del Remanente Imperial de Moff Gideon serán temas a tratar, así como las reliquias tecnológicas, la tecnología implementada o la asistencia gravitacional para viajes espaciales. Y del beskar, analizaremos también el acero mandaloriano, ¿realidad o ficción? Montado y editado por Alejandro Buyo. En esta ocasión se reúnen varios de nuestros maestros foseros para este podcast científico y espacial: Fernando Martínez, Carlos de la Torre 'El Mega' y Alejandro Buyo, con Ángel Rodríguez 'El Angedor' y Josemi llevando los mando de la Razor Crest. Un podcast hecho por fans y para fans. Este es el camino. El camino de la Fosa. No dejéis de soñar con galaxias muy lejanas y que la Fuerza os acompañe, ¡siempre! Timeline: 0:00:00 Inicio 0:00:49 Presentaciones 0:09:21 Análisis científico de las temporadas 1 y 2 de The Mandalorian con Fco. Gª de Quirós 2:07:37 Despedidas www.lafosadelrancor.com

Free Guide: Fall Faves Product Guide + Full Show Notes HERE! #1 Solidify a Morning Routine Waking up at the same time every day Let some natural light into your room Drink a (500ml) glass of water upon waking Make your bed Exercise Meditate APPS: Headspace+ Insight Timer "Eat your frog" BOOK: Eat That Frog! by Brian Tracy #2 Take Care of Your Skin dōTERRA's Hydrating Body Mist w/Beautiful Blend Shop for products here! #3 Boost Your Immune System w/a Fall Detox BOOK: Gut: The Inside Story of Your Body's Most Underrated Organ by Giulia Enders Simple + Gentle "Detox/Cleansing" Methods: Lemon water (or 1-2 drops of dōTERRA citrus oils: Grapefruit, Lemon, Lime, Wild Orange) How much water should you be drinking? Half your body weight in ounces of water daily. EXAMPLE: If you weigh 128 lbs, drink 64 oz (or 8 cups) of water. If you have 16 oz of caffeinated bevy, add an additional 16 oz (64+16) or 80 oz of water that day (10 cups) Eat cleaner Dry Brushing I have this dry brush, but I like this onefor travel. "Oil Upgrade" In a 60 ml (2 oz) spray bottle combine: 30 drops each: cypress, eucalyptus, rosemary, and frankincense Top off with FCO (fractionated coconut oil) and spray directly onto dry brush bristles before dry brushingShop for oils here! Detox Bath Recipe Mix 1 cup epsom salts + 1 cup baking soda and 10 drops each of Lavender, Frankincense + Copaiba essential oilsShop for oils here! dōTERRA On Guard Collection #4 Practice Mindfulness Thoughts Movement Eating Daily Tasks/Behaviours #5 Get Out In Nature Fall Faves Product Guide